mutual fund

[yebo]

for those funds with insurance, i used to have one of those before (sun solution 5). you are actually paying for insurance premiums and investing in mutual funds at the same time. THE YIELDS ARE SMALLER BECAUSE YOU ARE ALSO PAYING FOR INSURANCE PREMIUMS! if you are single and do not need insurance then stay away from this. even if you have already paid all the premiums you will still be earning less since the insurance eats up most of the yields of your investment. these funds (example, sunlife and manu life insurance) only yield around 8-13% per year, compared to the 60+% that a mutual fund with Sunlife, BPI or Philam will yield.

remember that insurance is only for those who need it. if you do not need insurance then why pay?

[d'flash]

for those funds with insurance, i used to have one of those before (sun solution 5). you are actually paying for insurance premiums and investing in mutual funds at the same time. THE YIELDS ARE SMALLER BECAUSE YOU ARE ALSO PAYING FOR INSURANCE PREMIUMS! if you are single and do not need insurance then stay away from this. even if you have already paid all the premiums you will still be earning less since the insurance eats up most of the yields of your investment. these funds (example, sunlife and manu life insurance) only yield around 8-13% per year, compared to the 60+% that a mutual fund with Sunlife, BPI or Philam will yield.

remember that insurance is only for those who need it. if you do not need insurance then why pay?

strongly agree, 60+% PA that's really great, im still single. my choices are Sunlife mutual fund, BPI equity value fund or PNB high dividend fund,

[d'flash]

thank you mga boss, yebo qwerty and 1d4LV

[d'flash]

BPI EQUITY VALUE FUND

im currently inquiring with BPI.

[1D4LV]

for those funds with insurance, i used to have one of those before (sun solution 5). you are actually paying for insurance premiums and investing in mutual funds at the same time. THE YIELDS ARE SMALLER BECAUSE YOU ARE ALSO PAYING FOR INSURANCE PREMIUMS! if you are single and do not need insurance then stay away from this. even if you have already paid all the premiums you will still be earning less since the insurance eats up most of the yields of your investment. these funds (example, sunlife and manu life insurance) only yield around 8-13% per year, compared to the 60+% that a mutual fund with Sunlife, BPI or Philam will yield.

remember that insurance is only for those who need it. if you do not need insurance then why pay?

bro yebo, i may have to disagree politely on the opinion that if you are single, you do not need life insurance.
life insurance is also for the protection of your income that you may lose if you get incapacitated or prematurely die. the latter is specially true if you are the breadwinner.

sorry dude... just voicing out my opinion.... not to flame.

i've seen young single people who just went to their insurance coverage when they got sick and had families whose single working child died.

[av8or5]

bro yebo, i may have to disagree politely on the opinion that if you are single, you do not need life insurance.
life insurance is also for the protection of your income that you may lose if you get incapacitated or prematurely die. the latter is specially true if you are the breadwinner.

sorry dude... just voicing out my opinion.... not to flame.

i've seen young single people who just went to their insurance coverage when they got sick and had families whose single working child died.

IMO: i have to side Mr. Yebo...sabi nga ninya..if your young and dont need insurance..then stay away from MF with insurance..kasi its true...the return won't be as high kasi nga you pay for the premium of the insurance.

for the Thread starter...he will get into MF because he wants to grow his extra money..so...ang goal is to increase his capital/net worth...at a young age...and be it MF is for his extra funds...go for MF without insurance..i bet naman his regular work covers life insurance.....

This was also taught sa business school I went to..why invest in life insurance at a young age when you dont have dependents....its a waste of money..use that money to invest in other ways to increase net worth...for me..if single ka...life insurance will just be given to your..lets say parents..if okay naman parents mo financially...then..no need for that..just use the money wisely and invest it where you have a potential for more growth..

if you did well with your investments..then buy a separate insurance.

again..its my opinion lang.

[Retz]

Gaano ba ka safe or risky sa pag invest sa mutual fund?

[1D4LV]

Gaano ba ka safe or risky sa pag invest sa mutual fund?

afaik, there are three kinds:

a) The conservative types - normally yields around 8% PA.
b) The balanced types - normally yields around 15% PA.
c) Equity types - normally yields around 22-25% PA.

in investing, the higher the yields, the higher the risks.

[Retz]

afaik, there are three kinds:

a) The conservative types - normally yields around 8% PA.
b) The balanced types - normally yields around 15% PA.
c) Equity types - normally yields around 22-25% PA.

in investing, the higher the yields, the higher the risks.

Ang laki na rin sir sa conservative types compared to bank deposits. Kung may extra cash lang ako, sa negosyo kasi umiikot ang pera.

[1D4LV]

Ang laki na rin sir sa conservative types compared to bank deposits. Kung may extra cash lang ako, sa negosyo kasi umiikot ang pera.

pero sa negosyo, medyo may ROI kang inaantay and you have to consider:

- salaries
- utilities
- rent
- supplies

kaya dapat sa unang taon, medyo mahaba haba ang pisi mo.

[CVT]

Gaano ba ka safe or risky sa pag invest sa mutual fund?

It is as safe/risky as your reflection on the mirror, bro...

17.6K:santa:

[d'flash]

thank you guys for your inputs, it really really helps. and yes my company already covered my life insurance and so as my parents, maybe 1st quarter of 2013 ill go for MF, but for i know im still reading/studying about this. need more knowledge before i invest my money, i just bought my car this 2012 1st quarter, for 2013 im planning to have my investment.

[1D4LV]

thank you guys for your inputs, it really really helps. and yes my company already covered my life insurance and so as my parents, maybe 1st quarter of 2013 ill go for MF, but for i know im still reading/studying about this. need more knowledge before i invest my money, i just bought my car this 2012 1st quarter, for 2013 im planning to have my investment.

one of the golden rules of investment is before you invest dapat may liquid savings ka good for 6 months. yung excess of that, yun ang iinvest mo.
if you do not have savings pa, build mo muna yun.

[CVT]

For those who'd like to go into this,- in one of my 'limited' engagements with mutual funds,- between Philamfund and Sunlife,- mas malaki ang return ng equity fund ng Philamfund, at mas malaki ang return ng balanced fund ng Sunlife...

Now, if the market slips,- then you are with it... No surprises here, please.

17.6K:santa:

[d'flash]

For those who'd like to go into this,- in one of my 'limited' engagements with mutual funds,- between Philamfund and Sunlife,- mas malaki ang return ng equity fund ng Philamfund, at mas malaki ang return ng balanced fund ng Sunlife...

Now, if the market slips,- then you are with it... No surprises here, please.

17.6K:santa:

currently i'm choosing between PNB and BPI equity value fund. i'll consider philamfund also, how will i know if the fund manager is good?

and i will start at 40k, and if it turns well, ill add 10 after 2 months.

[yebo]

Now, if the market slips,- then you are with it... No surprises here, please.

17.6K:santa:

that is why you also have to monitor the stocks and bonds market. don't just rely on the fund managers as they can not park your money in another fund type even if they wanted to. if you need to move it, or even cash it in and park it in a time deposit account, you will need to do it yourself.

i lost close to $40k in 2009 from my US mutual fund, just because i forgot my damned PIN and it took me a month to get a new one. kaya local na lang ako ngayon kahit na tumaas pa ang US stocks market. at least e madali lang puntahan mag-withdraw in case sh!t happens again.

[CVT]

that is why you also have to monitor the stocks and bonds market. don't just rely on the fund managers as they can not park your money in another fund type even if they wanted to. if you need to move it, or even cash it in and park it in a time deposit account, you will need to do it yourself.

i lost close to $40k in 2009 from my US mutual fund, just because i forgot my damned PIN and it took me a month to get a new one. kaya local na lang ako ngayon kahit na tumaas pa ang US stocks market. at least e madali lang puntahan mag-withdraw in case sh!t happens again.

I also experienced the downturn in 2009(?), when almost all of my profit were eroded... Malaki pa naman ang placements ko sa Sunlife at Philamfund....

Hintay lang hanggang bumalik ulit ang market....

Kaya if you invest money here,- dapat extra money siya na hindi mo gagalawin for quite some time...

17.6K:santa:

[rollyic]

can anyone give us info about this: ALFM Funds

are they good?

[Razerboy]

Long term is very risky. Think twice

[StockEngine]

Long term is very risky. Think twice

Long term is actually doing fine. Which long term fund are you mentioning about?