What investment is ideal for 100k PhP?

[retsuyaken]

Dahil sa pagiging todo kuripot ko sa aking buhay eh nakaipon po ako ng ganoong amount ng cash. Ayaw ko naman na ilagay lang lahat sa bank savings account yun kasi maliit lang ang return. May alternative investments po ba kayong pwedeng irecommend sa akin? Ako po ay nag-aaral pa rin ngayon at hindi employed. Salamat po sa maisusuggest nyo.

[Walter]

Mutual fund.

[steer]

Dahil sa pagiging todo kuripot ko sa aking buhay eh nakaipon po ako ng ganoong amount ng cash. Ayaw ko naman na ilagay lang lahat sa bank savings account yun kasi maliit lang ang return. May alternative investments po ba kayong pwedeng irecommend sa akin? Ako po ay nag-aaral pa rin ngayon at hindi employed. Salamat po sa maisusuggest nyo.

try ROPxx bonds purchased through banks.

minimum investment P5,000.

annual interest at around 5% net, interest rates vary depending on market situation.

principal and interest protected if you complete the term.

you have option to sell early for additional profit.

inquire at your preferred bank if they offer this product.

xx stands for maturity year. for example ROP25 would mean that the bond would mature on year 2025.

[_Qwerty_]

pagibig housing bonds.. guaranteed 8% per annum for 5 years.. so 40% in 5 years.. tax free..

[1997]

buy and sell ng sasakyan.. yan ang ginawa ko dati.. wala pa ako sasakyan nun... binigay lang sa aken ng Mother ko yung sasakyan... then nung nakabili na ako ng 2nd hand na sasakyan binenta ko na yung sasakyan na binigay sa aken then binigay ko yung money sa Mother ko.. ok naman ang kita minsan break even minsan kita ng konte... pero may sarili na akong kotse at marami akong natutunan about car maintenance..

1st car ko noon is a Kia Pride LX na nabili ko sa 55t... 10t ang nilaan ko sa Maintenance(Mga Belts and etc....) then after 4 months nabenta ko siya ng 75t...

[A121]

SDA sa BPI mas ok kesa time deposit. hehe

[uls]

aman pagadian

hehe

[Starex_Gold]

SDA sa BPI mas ok kesa time deposit. hehe

Okay din yang SDA ng BPI, pero nakulangan pa ako.. O masyado lang greedy?

[tanoshi]

SDA sa BPI mas ok kesa time deposit. hehe

whats SDA sir?

[Richardson Chan]

Investment? How old are you? If you are single, still studying, I suggest spend the 50K, then the other half, Savings account, then enroll on BPI's Mutual Funds, with automatic investments monthly, 10K monthly, para Cost Averaging. Safest.

Safest? I get what you mean but I wouldnt say that when talking about investments. Risk and return are proportional. Cost averaging doesnt make one's investment "safest". But it reduces risk. BTW, i'm waiting for november so I could start investing again. Choosing between BDO's EIP (Equity Fund) and BPI's RSP (Odyssey Funds). BDO doesnt require 10k up front though.

Spend 50K, wala lang, para di ka magsawang magsave, ako, nagsawa kaagad eh, kasi puro nalang ako save, wala ng fun. :D

True, true, true. :D

[1D4LV]

mutual fund din ako.
actually, i had 100k last year.... invested it sa variable life insurance para hitting two birds in one stone. protection and investment.
after a year, the value increased from 100k to 120k.

20% per year is not bad after all.

[chua_riwap]

agree ako rito sa mf.
yung mf ko sa bpi malaki na itinaas.

[slapz]

Yep, mali nga yung term ko na safest. Safer pala dapat. :D

Basta, kung single pa at di pa kataasan ang sahod, don't save more than 20%, you'll hate your life.

If you are earning like 10k a month, okay na siguro 1k na savings, 1k saRSP. The rest, expenses at pang konting luho. Ehehe!

It's different if you are earning 100k, dapat diyan 20% savings, 20% riskier investments, para may thrill. Ahaha!
60k a month is more than enough for moderate lifestyle, and a 1m+ car. Ehehe!

[confused shoes]

Have some readings, here.

https://www.colfinancial.com/ape/Fin...L_MAIN.asp?p=0

[timrev]

Mutual fund.

panu ba ito? mukang ok nga to kaya lang di ako marunong...

try ROPxx bonds purchased through banks.
minimum investment P5,000.
annual interest at around 5% net, interest rates vary depending on market situation.
principal and interest protected if you complete the term.
you have option to sell early for additional profit.
inquire at your preferred bank if they offer this product.
xx stands for maturity year. for example ROP25 would mean that the bond would mature on year 2025.

anung bank ba ok? my meron kami account sa PNB, Metrobank, Chinabank, 2 BDO - payrol namin hehehe taz 1 joint account sa BDO, checking account sa maybank

pagibig housing bonds.. guaranteed 8% per annum for 5 years.. so 40% in 5 years.. tax free..

panu bato? magkano invesments? ang budget lang sana for that 120k

SDA sa BPI mas ok kesa time deposit. hehe

[Ry_Tower]

Ito maganda din if matuloy. Puwede kaya P100K dito?

BDO, BPI eye Philippines

[_Qwerty_]

eto sir basahin nyo..

2012 Pagibig Housing Bonds for only P5,000 : PinoyMoneyTalk.com – Make Money Online, Stocks, Forex, Mutual Funds Philippines

mababa na pala ngayon.. 4.8% na lang.. pero ok pa din kesa banko..

[_Qwerty_]

so for 120T at 4.8% 5 years lockup..

4.8% x 5 = 24%

120T x 24% = 28,800 for 5 years

minimum yan.. kasi kung hindi mo kukunin yung interest per year.. isasama yun sa principal..

[uls]

Ito maganda din if matuloy. Puwede kaya P100K dito?

BDO, BPI eye Philippines

finally magkakaroon na ng ETF dito

[Ry_Tower]

finally magkakaroon na ng ETF dito

Okay kaya talaga ito Uls if ever? This 2 are very strong banks IMO kasi kaya tempting indeed.