mutual fund

[Retz]

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

[MrGunn]

Choosing the fund depends on your risk appetite and your financial objective, and your comfort levels. Thats why choosing a competent financial adviser who can guide you with these funds is very important. The adviser must recommend funds that will suit you and your objectives. I've been investing with my financial adviser for 11 years now, and I also started young. The returns were good enough that I was able to buy my own condo now and also my SUV. May pang retirement na rin ako, plus I got to set up mutual fund accounts, stock market accounts, and also invested in business. I started investing with just 50,000, just to give you an idea of what a good financial adviser can do for you. If you want, pm me so I can recommend you to him.

[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.

[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:

[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:

[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.

[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]

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.

[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.

[d'flash]

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.

i got greedy when i bought that car deym when woud be the best time for me to have this MF? 3rd quarter of 2013? i can save up to 10k per month,

[_Qwerty_]

wala naman yata.. di kasi ako yung nag open.. inquire ka na lang sa PNB..

im interested to invest my 30k for PNB High Dividend Fund, is there any charges/payment upon applying for this?

[usong725]

Meron din ako nito. BDO Equity Fund (formerly EPCIB Equity Fund).

based sa research ko from Jan 1 (263.716/nav) to Jul 27 (316.3215/nav), ito yung pinakamalaki ang return, 19.95%. or 52.61/nav profit sa mga equity funds dito sa atin.

badtrip lang at nung na-approve yung application ko after just a few days, naging 320+ per nav.

right now, nasa 345+/nav na. So nag increase ng around 9k+ yung 120k na investment ko. or 8% in just 4 months.

sana tuloy tuloy parin pag taas. hehe

[1D4LV]

i got greedy when i bought that car deym when woud be the best time for me to have this MF? 3rd quarter of 2013? i can save up to 10k per month,

at that rate, at the 7th month. pero ang maipapasok mo is yung savings mo on that 7th month, which is 10k...
ang problem, walang MF na 10k. treasury bills pwede pa hanggang maka build up ka ng 100k.

[yebo]

meron. sunlife 10k lang ang starting, then 5k ang additional.

[1D4LV]

meron. sunlife 10k lang ang starting, then 5k ang additional.

o ayun.... meron pala...

[MrGunn]

Philam mutual funds din 5,000 lang minimum to start.

[japkame20]

sa mga initial investment ng mf equity funds, add ko lang:

FAMI 5,000; sales load is 2% (to be deducted on your investment amount)
para walang exit fee, holding period is 6 months
Philequity 5,000; sales load starts at 3.5% (to be deducted on your investment amount)
but if hundred thousands ang invested amount, mas mababa sales load
para walang exit fee, holding period is 2years

Regarding sa sun life mf, may option sila na walang sales load but you must not redeem your shares within 5years from the date of investment
You can also opt for the 2% sales charge up front so that you may redeem your shares anytime you want to

Pwede naman din sa uitf, sa banks naman yun. Walang sales load and shorter holding period. At par ang performance with the mf companies.

[sysop]

japkame20: MaxiLink Plan po yata yung sinasabi mo na naka lockin ng 5yrs sa Sun Life. Actually itong plan na ito ay hindi naman talaga naka lockin. Pwede ka pa din mag withdraw kung gusto mo, may charge nga lang.
Ang charges kapag nagwithdraw ay

5% sa 1st year,
4% sa 2nd,
3% sa 3rd,
2% sa 4th at
1% sa 5th year.

Pero ang kagandahan naman dito sa MaxiLink wala charges sa start ng investment mo unlike sa ibang plan na nasa una ang charges na 5% agad.

500k nga po pala minimum investment dito sa MaxiLink ng Sun Life.
Maganda po ang returns dito sa MaxiLink kasi yung client ko na naglagay lang ng 500k last February 18, 2013, as of first week of March almost 510k na ang fund nya, wala pang 1month yun. Tapos yung client naman ng manager ko na nag invest ng 10M last December 2012, as of this month nasa 11M na ang fund nya.

[rollyic]

can anyone give us info about this: ALFM Funds

are they good?

[yebo]

500k nga po pala minimum investment dito sa MaxiLink ng Sun Life.
Maganda po ang returns dito sa MaxiLink kasi yung client ko na naglagay lang ng 500k last February 18, 2013, as of first week of March almost 510k na ang fund nya, wala pang 1month yun. Tapos yung client naman ng manager ko na nag invest ng 10M last December 2012, as of this month nasa 11M na ang fund nya.

same lang din ng yield ng ordinary mutual fund nila yan. 10k/500k = 2% in one month.

i just widrew my mf yield from mid january to last week (2+ months, 6 figures yield :D ), perfect timing na naman, pse down 4.8% since last week. will reinvest it 1st week april. tubo lang kinuha ko iniwan ko yung principal, up or down naiiwan yun dun.