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June 13th, 2017 11:39 PM #21My last top up was from around September 2016, and until now it has gained around 15% (ballpark). That is just from one mf, I have others and some uitf too. I have some funds that is still on negative for more than a year. That mf tracks the PSE index, so as long as the index rises, I know my money is earning. If it goes down (sale!) time to put more money that higher than usual)
It is quite difficult for me to compute my total gains as I did cost averaging (monthly top ups) since I started investing. What matters to me is I have paper gains and still have some time to let it be, no need to use the money right now.
In investing, time is your best friend. Start young. You can start with at least 5k to test the waters and minimum 1k per top up. Each funds, different risks, different rules, different costs.
Last 2014, one of security bank's uitf gained freaking 50%.
P.S. Don't buy VULs. Learn to invest and take control of your hard earned money.
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June 14th, 2017 12:03 AM #22
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June 14th, 2017 12:04 AM #23
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June 14th, 2017 12:19 AM #24I was going to ask that question too, index funds and/or dividend funds looks pretty good, added with the monthly top up and cost averaging whenever there's a dip in prices, thats a great idea
makaipon nga ng bala at gawin ko din to after gumalaw si fed and bsp sa tightening nila hehehe
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June 14th, 2017 10:39 AM #25
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June 14th, 2017 10:50 AM #26I have investments on stocks (currently trying daily trading).
I also have a UTIF (equity or stock-based din) - mejo nagahaman kasi pinili ko yung may 17% gain sa 1st quarter ng 2017 hahaha
BUT MIND YOU, in stocks (or stock-based UITF/Mutual fund) you may lose money unless you play safe and put it blue chips (i.e. big stable companies like ayala, san mig, etc) for the long run.
You can try stocks. Daming online trading platform ngayon. Andali lang. I use COL Financial.
Start with a small amount (maybe 10K). Look at the current trends and buy those on increasing price trend. Sell pag kumita na. Sa simula, ganyan kasimpleng system muna then aral na lang as you go on tulad ko.
You can buy-and-sell on a daily, weekly, montly or whatever time period you want.
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June 14th, 2017 04:16 PM #27
If the P2M is free cash, are you interested in opening up a Mang Inasal franchise? P14M is the required investment so we need 5 more tsikoteers! Paging EQ.
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June 14th, 2017 05:14 PM #28Which is better Mutual Funds or UITF?
Also in terms of returns, which returns higher? Though some depends on the PSEi
Which bank has the best UITF and what is/are those that has high gains?
I already asked EastWest, Security Bank and BPI(glitch(??) issue however investments arent affected) about UITFs and those investments with insurance like BPI - Philam and Security Bank- FWD.
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June 14th, 2017 05:15 PM #29
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June 14th, 2017 05:25 PM #30How about BDO life? May nakapag try na?
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