Treasury Bills / Bonds Investment -help me to understand.

[papi smith]

I did call my bank. What they have right now is Security Bank 1.5yrs at 5.3% gross and Aboitiz Equity Ventures 3.5 and 7yrs with a minimum placement of Php3M for both.... 6.5% and 7.5%.

Swak na yang 7.5% sa rate na hanap mo, did you ask how much net? Kasi if tax lang 6% net ok na sa akin, but then they have fees pa.

[dreamur]

Short term corp bond. 1.5 yrs lang, 4.14% net. P1M minimum.





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[uls]

SECB inviting all clients

[Deestone]

Swak na yang 7.5% sa rate na hanap mo, did you ask how much net? Kasi if tax lang 6% net ok na sa akin, but then they have fees pa.

Yes probably around 6% net it is okay but then again minimum placement is Php3M but I can just placed around Php1.5 - 2M right now.

[papi smith]

6% net is already very good for me. Back when I was still starting my LOI retirement fund, 6% was very low for me, the average rate that time was 8% for corporate bonds, unfortunately all of those matured already, so I'm doing an average of less than 5% right now.

[Deestone]

6% net is already very good for me. Back when I was still starting my LOI retirement fund, 6% was very low for me, the average rate that time was 8% for corporate bonds, unfortunately all of those matured already, so I'm doing an average of less than 5% right now.

Yes if you know of any other offer that is at least Php2M or below minimum placement similar rate let me know.

[papi smith]

Maswerte ka pala, assured na allocation mo if you get 3M, a broker informed me of this just now and allocation is not guaranteed although 50k lang minimum. Indicative 7 year rate is 7.29 - 7.74% gross, no other fees other than 20% wht. Net of 5.83 - 6.19% p.a.

Anyway, you can wait for the upcoming SMC bonds, P60B yun so baka maluwag ang allocation.

[Deestone]

Maswerte ka pala, assured na allocation mo if you get 3M, a broker informed me of this just now and allocation is not guaranteed although 50k lang minimum. Indicative 7 year rate is 7.29 - 7.74% gross, no other fees other than 20% wht. Net of 5.83 - 6.19% p.a.

Anyway, you can wait for the upcoming SMC bonds, P60B yun so baka maluwag ang allocation.

So I can still put in Php2M but no assurance for my allocation is that it?

[papi smith]

Try to ask Metrobank, baka mas mababa sa kanila.

[Deestone]

Try to ask Metrobank, baka mas mababa sa kanila.

Okay I will ask other banks about this. Thank you.

[Deestone]

Maswerte ka pala, assured na allocation mo if you get 3M, a broker informed me of this just now and allocation is not guaranteed although 50k lang minimum. Indicative 7 year rate is 7.29 - 7.74% gross, no other fees other than 20% wht. Net of 5.83 - 6.19% p.a.

Anyway, you can wait for the upcoming SMC bonds, P60B yun so baka maluwag ang allocation.

For the SMC Ph60B, indicative rate is much higher than Aboitiz offer (5.83 - 6.19% p.a.)? if it will be much higher I will wait. Btw, I did ask other banks some do not know about this only 1 bank did offer me Aboitiz and minimum is only Php50K not Php3M.

[papi smith]

No pricing yet for the SMC bonds, but I guess it can only be at par or higher than AEV.

[Deestone]

No pricing yet for the SMC bonds, but I guess it can only be at par or higher than AEV.

okay. those bonds offered by SMC or AEV are this safe? since this is not covered by PDIC.

[papi smith]

They have risks...

Security check

[papi smith]

A snapshot of the article above....

[babkalakal]

about allocation. in my experience with security bank yung mga blue chip tulad ng smc rare nabibigay yun full amount na requested mo sa dami ng gustong magpasok din ng investment.

[papi smith]

So papaano kung magpa reserve ka ng minimum which is 3M, maghahanda ka ng cash na ganyang kalaki, tapos denied ka pala? Will they be willing to give you a lesser allocation than the minimum?

[dr. d]

They have risks...

Security check

alas,
the words used are too industry-specific.
hindi ko gets.

[papi smith]

Ok lang yan Doc, made ka na naman eh [emoji857]

[papi smith]

https://www.sanmiguel.com.ph/storage...dratebonds.pdf