Treasury Bills / Bonds Investment -help me to understand.

[uls]

Okay. Just like Axa they are affiliated with Metrobank right?

yes exactly

[Deestone]

yes exactly

yeah so normally they have agent inside their bank in this case fwd agent inside security bank so I can go directly to them.

[uls]

yeah so normally they have agent inside their bank in this case fwd agent inside security bank so I can go directly to them.

yep

--------------

[dreamur]

pagka ganito intact ba yung principal. mababalik sa iyo ng buo after 5yrs?

That is my understanding but I did not pursue. Better ask for the fine prints lang to be sure.

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[Gumusut_Amige]

yeah so normally they have agent inside their bank in this case fwd agent inside security bank so I can go directly to them.

just got an insurance with them thru FWD recently.
pero medical insurance naman sya payable in 5 years, i choose the semi-annual terms para medyo makatipid ng konti. medyo mabilis ang transaction dahil matagal ko ng plano ito at kilala ni misis yung agent + BM.
will try to inquire more para naman sa investment pag nakaluwag-luwag ng time.

pagka ganito intact ba yung principal. mababalik sa iyo ng buo after 5yrs?

in my case yes... actually kung magkano ang hinulog mo yung ang babalik.

[papi smith]

It looks like with the increasing interest rates, they were able to craft new policies where they give you a decent regular return on your money like bonds and use the difference to pay for the insurance premium. It's like a bond on steroids [emoji23]

[Deestone]

I ask the FWD agent inside SB regarding Peso Nitro and she mentioned to me that the Principal after 5yrs will depend on the market condition so not guarantee your principal money will be intact after 5yrs. Also, the quarterly payout of 1.45% is not guaranteed. What I like about this the principal amount you can withdraw it anytime within the 5yrs period but you will get some deductions but after 5yrs there will be no more deductions should you opt to withdraw your money but then again the principal amount is not guaranteed. This is so far what I know. In case the FWD insurance company closes, your money will be gone?

[uls]

^^^

yes hindi guaranteed coz they invest in stocks

pano pag bagsak ang stocks at the time you want your principal back

-

In case the FWD insurance company closes, your money will be gone?

yes

coz it's a separate company (insurance company)

hindi covered ng PDIC

[Mask Rider Blac]

It's funny when insurance companies cannot guarantee their own existence.
So many years ago I was surprised the insurance company was no longer charging for the monthly premium. Nagsara na pala. Philippine Prudential Insurance, not true to it's name.

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[uls]

It's funny when insurance companies cannot guarantee their own existence.
So many years ago I was surprised the insurance company was no longer charging for the monthly premium. Nagsara na pala. Philippine Prudential Insurance, not true to it's name.

Sent from my CPH1911 using Tsikot Forums mobile app

haha

they should have bought protection from reinsurers

[uls]

even that massive AIG almost went out of business if they weren't bailed out

[Deestone]

^^^

yes hindi guaranteed coz they invest in stocks

pano pag bagsak ang stocks at the time you want your principal back

-



yes

coz it's a separate company (insurance company)

hindi covered ng PDIC

I see so if invested in stock this is considered high risk. I'm now thinking if I should push through with this minimum is Php1M. I don't know the history of FWD Insurance if it is stable or what.

[uls]

I see so if invested in stock this is considered high risk. I'm now thinking if I should push through with this minimum is Php1M. I don't know the history of FWD Insurance if it is stable or what.

yes coz stock prices can fall

like now below 6000 ang PSE index

it was above 8000 some years ago

isipin mo ano nangyari sa mga equity mutual fund

[boybi]

^^^

yes hindi guaranteed coz they invest in stocks

pano pag bagsak ang stocks at the time you want your principal back

-



yes

coz it's a separate company (insurance company)

hindi covered ng PDIC

So hindi din pala sasagutin ng ka-tie up na bank, like Security Bank for FWD?

[uls]

So hindi din pala sasagutin ng ka-tie up na bank, like Security Bank for FWD?

nope

labas na ung bangko diyan eh

once you withdraw money from savings (insured by PDIC) and hand it to an insurance company (outside the bank)

[papi smith]

A little better than Metrobank's offer...

[Deestone]

A little better than Metrobank's offer...

Yeah good enough for less than 2yrs around 4%net they offered me this when I ask them if they have other investment.

[uls]

Yeah good enough for less than 2yrs around 4%net they offered me this when I ask them if they have other investment.

tataas pa interest rates

be patient

[Deestone]

tataas pa interest rates

be patient

Yep... I'm turning down FWD Peso Nitro because of the high risk so im looking for a better alternative.

[uls]

Yep... I'm turning down FWD Peso Nitro because of the high risk so im looking for a better alternative.

i mean if you want to invest in bonds, wait ka lang coz newer bonds will have higher interest rates

hindi pa tapos ang central bank rate hikes