Let's say you have 25K US Dollars. Saan mo ba sya e invest?

[jeanpierre]

Ako sa trust fund or dollar bonds. Di ko nga lang alam if maganda ang ROI.

[nmtin]

muhe package comes with a money manager to guide you how to invest.

[empy]

i would put

1/3 in US Treasuries (lower return but virtually risk-free)

1/3 in a combination of global stock indices (e.g. the US Dow/S&P500, the Japanese Nikkei and the Euro FTSE) so i can have the better long-term returns from stocks pero medyo diversified.

tapos yung 1/3 pang "sugal" ko - put it in some high risk but also super high return investments - like investing in a particular hot tech stock, or being a silent partner in a business venture, etc. (note: hindi ako pupunta sa casino )

i wouldn't invest in currencies or commodities kasi wala akong alam dun

[chakovsky]

Ako maghahanap ng kamaganak o kakilala na nasa military - yung may AMSLAI or AFSLAI. Nasa 18-20% pa ata interest rates nila per annum with dividends given every quarter. The rest I will just keep as dollars sa bank - at least the dollar is a more stable currency.

[van_wilder]

as usual business... hehehe...

[AC]

yan din po iniisip ko.. ano pong business maganda for young pipol? early 20s?
and not much puhunan.. iniisip ko sana.. food smtn eh.. hehe

[wildthing]

half it trustfund or time deposit, half i-invest ko sa negosyo...but I also agree with m54 ideas...

[Tacoma_34]

invest my ass sasakit pa ulo ko.

[empy]

invest my ass sasakit pa ulo ko.

thanks for adding value to this discussion

[spiff]

i would put them in ROP bonds... pretty good yield. getting to be more and more stable. hoping from a credit upgrade this year.

invest my ass sasakit pa ulo ko.

wow.... what will you do with your money then? shove it up your a**?!?

[zero]

ako siguro...
sa buy and sell ng kotse or sa real estate.

[Chip]

blue chip stocks. kahit mabagal ang growth pero virtually risk free.
AFPSLAI is a very good idea too. gusto ko nga maki-ride dito e kung may kamag-anak lang ako.

[ILuvDetailing]

Same as M54's advise...

[BlueBimmer]

same as ILD's advice

[moneywhiz]

same as bluebimmer's advice =)

[niky]

AFPSLAI's deposit ceiling has dropped to around 3million. Also, interest has gone done from a high of 22% to around 18% or lower this year. It's a good investment, though, and you have the option of receiving the dividends quarterly. I know someone who's getting 250k a month in dividends. :D

25k dollars=1.3million

I'd put 500k pesos in AFPSLAI, and 500k in various long term time deposits at different banks. I'd consider investing the 300k in a small business or food franchise. Buy and sell is a bit risky, and I don't want the money to sit around too long. But heck, I could just use that money to fix the house and make a dp on a second car for my wife.

[jeanpierre]

blue chip stocks. kahit mabagal ang growth pero virtually risk free.
AFPSLAI is a very good idea too. gusto ko nga maki-ride dito e kung may kamag-anak lang ako.

I invested in stock market before when our market index was still hovering close to 3,000 points. Max gain I've got was 45K in 2 days. Pero nabawi rin cause I bought some stocks that I ended up keeping for the long term kasi biglang nag crash ang market. Lugi kung ibenta. But one oppurtunity na kumita sana ako ng malaki sa stock market is when I bought 10M worth of shares of an oil player (Omico) for 0.003 cents/share. Observe ko kasi that time, malimit nilang pag laruan. I kept it for 2 months pero walang activity, naging impatient kaya I sold the shares. A month after I sold the shares, naging active sya uli and the price per share has gone up to 0.045 cent/share. Man, para akong natunaw at inis na inis talaga ako sa sarili ko time na yon. Imagine, yong 30K na puhunan ko sana ay naging 450K na! But then to calm myself, inisip ko na lang na hindi siguro para sa akin.Di ko pa time to hit the jackpot..he..he..he

[jim]

I think you should do more research on AFPSLAI. Malaki nga pa-interest nyan pero maraming umuutang dyan na hindi nila nababayaran. Baka magaya yan sa AMWSLAI at iba pa na nalugi tapos yung mga may pera 10K per month lang ang pwede nilang i-withdraw until makuha nila lahat yung pera nila. Just an info pero I'm not discouraging those who want to invest.

[mrpink]

i'd invest in something more tangible than stocks and bonds .. parang hindi real wealth para sa akin yung stocks .. i'd rather put up a small business .. kahit na paupahan lang ng taxi dahil hindi lang ako makikinabang dito .. makikinabang yung driber, pasahero, kotong pulis .. kahit mas maliit yung kita .. dami mo affected na tao ..

[Meinldrummer]

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