mutual fund

**Retz** · December 12th, 2012 10:06 PM

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

**MrGunn** · December 12th, 2012 10:22 PM

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** · December 13th, 2012 08:28 AM

Originally Posted by Retz

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** · December 13th, 2012 08:54 AM

Originally Posted by yebo

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** · December 13th, 2012 08:56 AM

Originally Posted by Retz

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** · December 13th, 2012 09:09 AM

Originally Posted by 1D4LV

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** · December 13th, 2012 09:17 AM

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** · December 13th, 2012 09:34 AM

Originally Posted by Retz

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** · December 13th, 2012 09:35 AM

Originally Posted by 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.

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** · December 13th, 2012 09:54 AM

Originally Posted by 1D4LV

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,