Investment Query :help:

**dreamur** · June 14th, 2017 11:18 PM

Originally Posted by EQAddict

Lol. Need to own the land if youre gonna be a franchisee. If not then youre just working for/at the mercy of the landlord. Its a good idea until you realize youre really working for : 1) the franchisor and 2) the landlord.

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That is actually one of the concerns. The lease (and the yearly escalation) is causing a spike in the feasibility study resulting to longer ROI. Buti pa ang master siomai or potato corner kahit foodcart business pinipilahan.

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**dreamur** · June 14th, 2017 11:18 PM

Originally Posted by minakamaganda

How about BDO life? May nakapag try na?

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Tried both BPI and BDO VUL offers and both flopped.

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**PrinZel25** · June 15th, 2017 09:29 AM

Originally Posted by dreamur

Tried both BPI and BDO VUL offers and both flopped.

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How come both flopped?

VULs for both are BPI Philamlife and BDO life right?

**dreamur** · June 15th, 2017 09:56 AM

Originally Posted by PrinZel25

How come both flopped?

VULs for both are BPI Philamlife and BDO life right?

I dont have the exact details but it is affected by the recent plunge in the local stock market. BDO is Prudential Life. The last time I checked, both were below the expected returns after 2 years. Need to keep the investment for at least 5 years to get a good ROI. Of course there is the life insurance coverage but I wont get to enjoy it.

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**Lew_Alcindor** · June 15th, 2017 09:59 AM

Originally Posted by PrinZel25

hahahaha true. :D

which brought you more profits MF or UITF? hehe

Yung MF ko before kumita na sobrng liit.

Yung UITF ko, negative/loss as of yesterday. But it was positive the week before. It is an equity UITF (aggressive kasi based sa stock). But it just on its 2nd month of so. So hindi pa dapat mag-panic.

Meron ding mga bond-based stocks. Mas safe yun kaso mas mababa kita.

BTW, kung hindi ako nagkakamali UITF or MF can be based on stocks, bonds or both.

**PrinZel25** · June 15th, 2017 10:21 AM

Originally Posted by dreamur

I dont have the exact details but it is affected by the recent plunge in the local stock market. BDO is Prudential Life. The last time I checked, both were below the expected returns after 2 years. Need to keep the investment for at least 5 years to get a good ROI. Of course there is the life insurance coverage but I wont get to enjoy it.

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sabagay, insurance is gone once you pulled out all your money on those VULs.

recommended nga din nila more than 5 years before mag withdraw.

**PrinZel25** · June 15th, 2017 10:22 AM

Originally Posted by Lew_Alcindor

Yung MF ko before kumita na sobrng liit.

Yung UITF ko, negative/loss as of yesterday. But it was positive the week before. It is an equity UITF (aggressive kasi based sa stock). But it just on its 2nd month of so. So hindi pa dapat mag-panic.

Meron ding mga bond-based stocks. Mas safe yun kaso mas mababa kita.

BTW, kung hindi ako nagkakamali UITF or MF can be based on stocks, bonds or both.

saang bank ka kumuha ng MF mo at UITF? tapos anong equity UITF kinuha mo kasi yung ibang banks daming equity offerings