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June 9th, 2016 01:17 PM #11
Shell IPO has been delayed over and over since 1997. After Pandacan's close the IPO rumor mill stirred up again. But in reality, it's not something to get your hopes up for. Shell on a global level is downsizing, could pull out of up to 10 countries. PH is one of the strongest Asian markets so not likely, but that doesn't mean that capex will not be cut.
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June 9th, 2016 01:29 PM #12
Having invested in all of your options, I would say that the most liquid would be UITFs and stocks. UITFs are far easier to manage - just invest monthly and let compounding and the economy do its magic.
For stocks, you have the flexibility to buy and sell different stocks at different times. However, depending on how much money you'll put in regularly, you might not be able to diversify as broadly as with UITF. For example, you invest 10k a month, and want to buy PLDT shares. At 2k per share and a minimum of 5 shares, you consume your entire 10k budget on one stock. Then next month you buy some other stocks to balance out your portfolio, so in effect, you don't really get to maximize cost-averaging because you're buying different stocks at different times with potentially different market trends.
I could go on, but bottomline:
- Minimal effort, decent returns: index UITF
- Significantly more effort, marginally better returns (or worse, if you suck): stock market
UITFs also have lower management fees than VULs. 1.5% is standard, unlike with VULs where they're not as transparent with their management fees, and you're really not earning until the 10th year or so. Also, the returns of my VUL (invested in equity) aren't up to par with the index.
As Benjamin Graham says - index funds are the best tool for the average joe to reap the benefits of a growing economy without having to pour in too much effort.
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June 9th, 2016 05:53 PM #14I just buy Stocks.. and I manage dami ng online trading ngayon. Start ka lang ng 50K and buy few stocks in diff company
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June 9th, 2016 08:42 PM #15
I also manage my stocks online (COL), but UITFs are still much, much simpler.
Just open the app, transfer money to your UITF, then done. Repeat next month. Redeem money when needed. Takes less than a minute.
For stocks, I watch out for buy below prices and target prices. I also have to constantly compute the number of stocks of each company I buy to have a balanced portfolio, while taking into consideration my budget constraints vis a vis the minimum board lots of each company. It takes more time, maybe an hour a month, plus the effort I spend researching about what companies to buy.
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June 9th, 2016 09:19 PM #16
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June 9th, 2016 09:25 PM #17
Cost averaging. You don't buy all at one point. I bought last year when it was at 7800 but of course I was also able to buy when it was below 7000 so all in all there are still gains.
And in 5 years, even if you buy high (relative to that year's lows), it's still highly likely that you'll end up positive. Unless of course there's an economic downturn (inevitably happens every decade or so), in which case just hold on for another year or two and you should be fine.
Timing the market can lead to potentially bigger returns (i.e. if you cashed in 100% last year before the slump then reinvested when it was at 6500) but in the long term you really cant predict and even if you just left your money untouched you'd still be positive by now anyway. Noone ever really successfully and consistently predicts where the market is going.
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Verified Tsikot Member
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June 18th, 2016 03:59 PM #20Gusto ko din sana sa Stocks pero sa mga payo ng mga expert dito like sir Jut703 mukhang mas ok sa akin sa ngaun ang Mutual Funds at UITFS.. Medyo nalilito lang ako sa dalawa kasi sa BPI dun ang bank ko tapos kapag nag-inquire ako agad ang offer yung BPI-Philam(mutual funds ba ito?). May isa na din kami ni misis yung sa dollar.. Salamat sa mga matyagang nagtuturo dito.. Laki talagang tulong..
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