Mutual Funds, Bond, Treasury Bills etc.

[niwde11]

niwde11; First country bank still offer that

and they also offer the car buy back promo

Parang kung bibili ka ng cash na sasakyan sa halip na full cash ang ibayad mo 20 percent lang then let other bank finance the remaining 80 percent.

Tapos iyong 80% na cash mo eh invest mo sa kanila. They will take care of your monthly payment sa banko na inutangan mo then after 5 yrs eh bigay pa nila sayo ang 80% na cash na ininvest mo. Medyo magulo ba eto paliwanag sa primer nila eh hehehe.

www.firstcountryfinancial.com

medyo iwas ako sa ganyang banko. high risk masyado yata yan especially TD. although narinig ko na yung about the car. sa dealer ba nakapangalan yung car during loan or sa firstcountry. sorry kung medyo OT.

[qman]

medyo iwas ako sa ganyang banko. high risk masyado yata yan especially TD. although narinig ko na yung about the car. sa dealer ba nakapangalan yung car during loan or sa firstcountry. sorry kung medyo OT.

nakapangalan sa bank na nag finance ang first county lang ang magbabayad ng monthly bale.

[rider]

aside from first bank mentioned ano pa ang meron ganun ???
yung tipo 10-20 percent ang return

sa stocks ok , pero rsiky

[boybi]

several banks offer UITF. and rates of UITF can go as high as 30% per annum.

[oldblue]

ako din namimili ng mga bangko. we experienced a bank closure once mga late 90's. isang rural bank. buti na lang deposit namin na-cover ng PDIC kahit more than 100k yun deposit. peromas kawawa yun mga kasama namin oldies na tig 1M ang deposit, matagal pa bago nila makukuha buong sum ng pera nila, and that's only principal. wala na interest. nag-liquidate ang BSP ng assets noon rural bank kaya nabayaran yun depositors, took 'em almost 8 years to repay.

bdo is quite aggressive these days. perhaps bec. of the public perception that SM malls are being constructed town after town.

[empy]

you guys are talking about a huge range of assets here from a risk perspective.

t-bills are guaranteed by the central bank and are almost risk free

hedge funds are a lot like playing the lottery (but with better odds )

everything else is somewhere in between.

potential investors need to really take a good hard look at what their risk aversion is - if you're somebody who needs to cash out in 5 years or else hindi makakapag-college ang anak nyo, i'd strongly advise against investing in a hedge fund, or even stocks unless you're highly diversified. these CD's, money market funds, or t-bills might be your best bet.

now if you're young, single and are willing to gamble, sige na sa mga hedge funds. just be aware that you have a chance to lose it ALL.

a final note on hedge funds:

take a long hard look at the fund manager. do you have a good reason why you should entrust your money with him, versus a finance company, a bank or even yourself? does he have the knowledge and connections? what's his track record in good times and bad times - the bad times is important, because any moron could have made 100% in 1999 and 2000 just by buying a few internet stocks...the real question is, how did he do in 2003?

[oldblue]

ang sarap pala trabaho ng isang fund manager. pano ba maging ganun? sniffing where the money is ...

now I know why this broker friend of mine is opening up a franchise shop of his own almost every 2 months in the malls and in the provinces. target nya ngaun year na'to 15 shops at 3M++/shop. kaya pala may parati may mini-office sya sa bawat branch. galing ah! tatambay na nga ako sa brokerage firm nila sa tektite. hirap lang kasi 8am-12am trading time, kung kelan dami ginagawa sa work.

[slip-slick]

instead of starting a new thread, dito na lang ako post..

i have a time deposit with BDO in the amount of 6000 usd, which will be maturing very soon. right now, i am not satisfied with the interest rate. i would like to ask for opinions as to what is the best way to go about investing my 6000 usd out of all the investment services BDO offers. i can do away with 1 year maturity periods since ive set this money for investment use only.

http://www.bdo.com.ph/Investment_Business/

thanks.

[the_wildthing]

Some things to ask yourself when investing:

1. How long are you planning to make it earn without taking it out?
2. In an emergency, is this something you would pull out?
3. How much risk can you take? Are you affected by the daily movement of the value of your investment or are you looking at the long term growth potential?

Questions like these (and more) are asked by your financial advisor to find what sort of investment is right for you.

[Eismann]

Sensya na ngayon ko lang nabasa 'tong thread na 'to.....Mr. Colayco is not really endorsing Philequity is he? I was studying local fund managers here and it seemed pare-pareho halos lahat...though Philam and Philequity ang parang napipili namin for the mutual or balanced funds. Yung sa BDO, maganda yun at almost 12% per annum.

[mazdamazda]

pansin ko lang... ang baba ng interest rate for dollar placements/deposits? why so?

[1D4LV]

pansin ko lang... ang baba ng interest rate for dollar placements/deposits? why so?

not just for USD, but even for pesos. I think the 31 day TD now just averages 3% P.A. may mga taxes pa yun, so mga net is around 2-2.25% P.A.

bond (mutual) funds are also down (based on my investment with Sunlife). Got it for around 1.78/share last month, now its around 1.70/share.... tsk tsk tsk.

stock market is also down.....
real estate is also down...
t-bill rate is also small.

i think that the only feasible investment nowadays is to buy lots of dollars and put it under your bed. last week USD to PHP is around 52.50, now its around 52.80, or about to breach 53.00.

or invest in overseas stocks relating to fuel/gasoline.

[ILuvDetailing]

Bagsak mga UITFs ng BDO ngayon...

[BlueBimmer]

im satisfied with peso TD rates, RCBC gave me 6.75% PA..kulelat lang sa dollar TD * only 3% PA...gusto ko na rin ilipat sa ibang investments..ang baba sobra ng dollar TD

[badkuk]

actually madami namang banks nag ooffer ng 6.5-7% per annum, kaso nakatali ka for 5 years. actually earlier this year it went up to 8%

a lot of people got burned by UITFs recently, isa na dun si ma. what i don't quite understand is that the UITF supposedly invests in bonds and treasury bills. if that's the case, dapat mas stable di ba?

but then again, aren't fixed income instruments being traded na rin, parang stocks? dahil kaya dito kaya naging volatile?

[BlueBimmer]

actually madami namang banks nag ooffer ng 6.5-7% per annum, kaso nakatali ka for 5 years. actually earlier this year it went up to 8%

a lot of people got burned by UITFs recently, isa na dun si ma. what i don't quite understand is that the UITF supposedly invests in bonds and treasury bills. if that's the case, dapat mas stable di ba?

but then again, aren't fixed income instruments being traded na rin, parang stocks? dahil kaya dito kaya naging volatile?

ang maganda sa bigay ng RCBC sakin is 6.75% * 60 or 90days depending on the duration i want, same rate pa rin.

layo sa 5 yrs hehe

[slip-slick]

ang maganda sa bigay ng RCBC sakin is 6.75% * 60 or 90days depending on the duration i want, same rate pa rin.

layo sa 5 yrs hehe

6.75% is for a dollar TD? are TDs also insured by PDIC, upto to 250K or $ equivalent?

[BlueBimmer]

6.75% is for a dollar TD? are TDs also insured by PDIC, upto to 250K or $ equivalent?

bro for peso TD yun...dollar TD they only gave me 3%, also 60 or 90 days. sabi nila taas na raw un..metrobank is only giving less than 2% lang..

[james00112233]

ok bang mag-invest ngayon sa mutual funds?

[slip-slick]

for my dollar time deposit, im only getting 1.5% p.a. at BDO.