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

[mark_t]

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.

[tidus1203]

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...

[mark_t]

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.

[uls]

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

[uls]

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

[mark_t]

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

[tidus1203]

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...

[uls]

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

[tidus1203]

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"...

[mark_t]

We simply see things differently.