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  1. Join Date
    Oct 2007
    Posts
    1,324
    #61
    Quote Originally Posted by tidus1203 View Post
    Buying an individual BOND and holding it to maturity, YES...

    But buying a BOND FUND where your NAV is tied to the price of the bonds held by the fund could go down if people start selling the bonds to cash in their profits...
    How much is the minimum placement to buy an individual BOND?

    We are talking about Bond Fund with a buyer profile
    of holding it atleast 3 years and an option to encash in 24 hours.
    A buyer who is just starting to build his estate.
    A buyer who is only capable to save a minimum of 5,000 or
    10,000 a month.
    A buyer who knows nothing about treasury bills and stock broking.

    In MF where the individual bond where your NAV is tied has
    Matured many times over in this time frame.

    It will be YES TO BOND FUND.
    Last edited by mark_t; October 1st, 2010 at 09:49 AM.

  2. Join Date
    Feb 2008
    Posts
    14,181
    #62
    Yeah it has a 3 year investment profile as recommended by the banks, but who said you can't withdraw it after 6 months?

    And remember the bonds has a market value. Even if the fund holders don't withdraw and the bonds fall in value in the market when foreign investors for example had made enough money and decided to sell the value of the bonds held by the fund will go down as MARKED-TO-MARKET and the NAV will fall consequently...

    Individual bonds participation? Depende eh... Meron P100K lang, meron P1M. Meron ding ROP's which are USD bonds as low as $5000 meron ding $10,000... Iba iba eh...

    Pero kung P10K lang meron mo, seriously just buy an equity fund... Pero not now as I said market is too hot...

  3. Join Date
    Oct 2007
    Posts
    1,324
    #63
    Actually you can withdraw the next day if you like.

    People continue to earn that 10 thousand pesos extra every month.
    It should not leave them out of opportunities for investment.

    And opportunities in mutual fund investments.
    This individual MF investors becomes the fund holders
    and the risk of all of them or a substantial of them
    deciding to sell would be so great it will be ondoy proportion.

    Savings are always long time holdings.
    And if 10k ang kaya per month ang i save.
    I still recommend bond fund as you said the market is too hot.

    At the end of the year it will cost average.
    Last edited by mark_t; October 1st, 2010 at 10:17 AM.

  4. Join Date
    Nov 2005
    Posts
    39,081
    #64
    Quote Originally Posted by mark_t View Post
    Bond fund can never be considered hot.

    It is like time deposit at guaranteed yield.
    tidus was referring to local equities

    i was also referring to local equities when i said how much more "kill" will there be

    we werent talking about bonds

  5. Join Date
    Nov 2005
    Posts
    39,081
    #65
    the guy sounds exactly like a Sunlife mutual fund salesman

    same old sales pitch

    dami nag o-offer nyan dito

    hey, if you wanna invest in Phil. govt bonds, go buy the bonds

    no need to go thru those bond funds
    Last edited by uls; October 1st, 2010 at 10:22 AM.

  6. Join Date
    Oct 2007
    Posts
    1,324
    #66
    Just sharing my thoughts. Convenient sa akin ang set up
    ng mutual funds and I am not selling it. It so happen that I like the thread
    starter also placed savings in sunlife.

    I thought you were refering to mutual funds.
    I just happen to have interest in it. And I have not heard yet a
    mutual fund salesman talk. I bought because I like the concept
    from what I read.

    My apologies, Akala ko pareho tayo ng pinag uusapan na Fund.
    And small time lang ako to be buying directly.
    Kung nagkamali kami ni bonglisa sa pagpunta sa mga funds
    hayaan mo kami at ma realize din namin yan.

    Salamat
    Last edited by mark_t; October 1st, 2010 at 11:05 AM.

  7. Join Date
    Feb 2008
    Posts
    14,181
    #67
    Quote Originally Posted by uls View Post
    the guy sounds exactly like a Sunlife mutual fund salesman

    same old sales pitch

    dami nag o-offer nyan dito

    hey, if you wanna invest in Phil. govt bonds, go buy the bonds

    no need to go thru those bond funds
    Right and funds charge some kind of management fee which saps the NAV of the fund... Buying directly is the way to go. Personally I never have money in funds I always buy directly maging debt or equity securities man...

  8. Join Date
    Nov 2005
    Posts
    39,081
    #68
    Quote Originally Posted by mark_t View Post
    Kung nagkamali kami ni bonglisa sa pagpunta sa mga funds hayaan mo kami at ma realize din namin yan.
    hindi po nagkamali si bongliza if he just braved thru the downturn

    bongliza:
    11-22-2008, 09:11 AM

    I invested my little savings to SUNLIFE Balanced Fund a couple years ago. Now, I have check my investment and woooow... am losing almost 40% already. I dunno what to do next whether to withdraw and absorb the loss or just keep it and pray that it can recover somehow someday. Need your opinion guys... pinagpawisan ko talaga yung money na yun..
    me:
    11-22-2008, 09:42 AM

    yep just hang in there
    Last edited by uls; October 1st, 2010 at 11:59 AM.

  9. Join Date
    Feb 2008
    Posts
    14,181
    #69
    In bongliza's case he bought high and then the fund tanked so now he is what we traders call "IPITS"... So mukang no choice sya but to just wait...

    You are not wrong by investing in a fund but by telling people to go in now you are just making another bongliza. Baka meron nanaman "IPITS"...

  10. Join Date
    Oct 2007
    Posts
    1,324
    #70
    We simply see things differently.

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To withdraw or not to withdraw(My SUNLIFE Balanced Fund)