Where Do You Invest Your Savings?

[badsekktor]

Real estate or business expansion or startup

[EQAddict]

i dont have any businesses but I invest in Real estate.

[ano727]

i dont have any businesses but I invest in Real estate.

Which kind if I may ask? We can learn from your experience. Thanks.

[EQAddict]

Condos and land from good developers. No black magic here

I probably realized this too late ----- but Pre-selling is the ABSOLUTE BEST time to buy especially if its from a Triple-A developer (Ayala, Rockwell). Condos typically take 4-5 years to build. When they announce it for pre-selling, buy already if you can. . These guys raise their prices every quarter by about 2.5%. Then there is a big kick once the units are ready for turn over. If you want to 'flip' the units then you're in for an excellent return. I dont flip though as Im looking for steady cash flow (hopefully) from rentals. The asset (the condo unit) will be some sort of cash storage for me. Its not super liquid but your principal would have steadily grown and is relatively very well protected. Again its gotta be a Triple-A developer.

Land in Nuvali is also a good investment. Yes, no one is really building there right now but a lot of rich families are land banking for their kids, etc. Investments there are enjoying great returns and the secondary market for lots is very very hot.

So come in early and get in early. prices will most likely rise every half of the year (if even by a few % points). If you are taking advantage of a lay-away plan, the gains from the financial leverage can be huge. Also, dont bite of more than you can chew.

[jhnkvn]

For our family, we try to maintain a 70% investments and 30% liquid ratio. By investments, we're mostly into equity markets as I suck at bond markets and so does my brother. These comprises of stocks and funds. By liquid assets, these are mainly money market funds, cash in bank, and in short-term treasury bills and time deposits.

Personally, my savings are all managed by moi in my equity portfolio. Some of you might have noticed but I do not invest locally because two things (1) valuations are sky high (2) tax avoidance of off-shore funds.

I do not invest in VULs because (1) we don't believe in life insurance (2) we're liquid enough to pay for incidental occurrences. So instead of throwing the money to Sun Life and Co. I simply funnel them back to my portfolio.

Also, anything that gets 2% from my average returns annually is a no-no *cough* VULs *cough*. That's like starting out each and every year with a -2% handicap. If I were to give advice: lowest possible expenses please. I still have inflation to beat after all.

Truthfully, time is your best friend. Your second best friend is compound interest.

[badsekktor]

Real estate or business expansion or startup

In my experience, real estate is a good investment if the property can earn. I try to avoid gated subd or condos since taxes and maintenance fees eat your profit.

It is best if you could get an agricultural or commercial lots. Just make sure you still have funds for development.

[glenn manikis]

Dito...

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[lowslowbenz]

Bisyo
Babae
Luho

joke ..........

[Ry_Tower]

Bisyo
Babae
Luho

joke ..........

Alin dyan ang joke?

[greenlyt]

Bisyo
Babae
Luho

joke ..........

yowwn! master talaga!
dami mo ng napa gradweyt boss?
may lawyer, cpa, nurse.....

[baludoy]

cemetery lots in reputable/upscale memorial parks. everyone dies and most everyone still wants their own personal hole in the ground

[yokknekk]

cemetery lots in reputable/upscale memorial parks. everyone dies and most everyone still wants their own personal hole in the ground

wala ka pang babayarang amilyar...

[wezz_zzew]

cemetery lots in reputable/upscale memorial parks. everyone dies and most everyone still wants their own personal hole in the ground

Maganda nga investment yung ganyan kasi mas mabilis magmahal ang mga lupa sa ganyan kumpara sa house and lot. Mahirap nga lang ibenta pag gusto mo na dahil ang mga tao masyadong mapamahiin. Ayaw pangunahan yung mangyayari pa lang.

Gaya ni LSB, babae, alak, sugal lang ang naiisip ko pag may hawak na pera. Y.O.L.O. Enjoying life habang nandyan pa. I just make sure lang na hindi ko napapabayaan pamilya ko.

Yung iba ko savings nasa secret hiding place na hindi pwede makita ni misis.



I may be stupid, but I am not a fool.

[glenn manikis]

Yung joke lang....

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[frenchtower]

Bitcoin :-)

[n_spinner06]

How do you invest in stocks? Ive always wanted to try this. Is investing in equities via sunlife for example the same as investing in stocks or is that mutual fund and is an entirely different product?

[jut703]

How do you invest in stocks? Ive always wanted to try this. Is investing in equities via sunlife for example the same as investing in stocks or is that mutual fund and is an entirely different product?

You can open an account in Citisec Online (COL Financial), in their office in Ortigas. Then it's all online from there.

Investing in Sunlife is investing in a mutual fund - someone else manages your money and invests it for you, for a fee. You can opt to invest on your own, for higher returns, in exchange for more effort on your part.

[n_spinner06]

You can open an account in Citisec Online (COL Financial), in their office in Ortigas. Then it's all online from there.

Investing in Sunlife is investing in a mutual fund - someone else manages your money and invests it for you, for a fee. You can opt to invest on your own, for higher returns, in exchange for more effort on your part.

I've heard of col financial. Sorry for the noob question, but but i don't appreciate the difference of going the col financial route. Col will also manage the funds for me right so parang sunlife lang din o yung mga inooffer sa banks?

[jut703]

I've heard of col financial. Sorry for the noob question, but but i don't appreciate the difference of going the col financial route. Col will also manage the funds for me right so parang sunlife lang din o yung mga inooffer sa banks?

No bro, you manage your stocks. You choose which stocks to buy, when to buy, and how much to buy. You also choose when to sell. Broker fees of COL are much lower than management fees of banks/insurance companies.

[n_spinner06]

No bro, you manage your stocks. You choose which stocks to buy, when to buy, and how much to buy. You also choose when to sell. Broker fees of COL are much lower than management fees of banks/insurance companies.

Ok thanks...there's the rub. I don't have an idea which stocks to buy. Hahaha. But this is really interesting. Will read up more on it. Thanks again!😀