Investment Survey

**earthlyken** · February 12th, 2016 08:23 PM

Hello Guys,

Good evening, just want to get have a survey for possible investment.

Scenarios:

You have extra 2 Million pesos for investment, where will you invest?

1. Bank Time Deposit.
2. Uber Taxi / Grab Taxi.
3. Food franchise.
4. Condo and have it rent out.
5. Invest in a Micro lending business.

As of now, my choice is #4.

TIA

**machine.pistol** · February 12th, 2016 08:33 PM

My comment on no. 4. It's costly to maintain a condo unit. And the return recovery period is too long.

Taxi business with 3 or 4 units is not ok. Sakit ulo sa driver and mulcters. Plus expensive upkeep if you don't have garage and mechanic.

Time deposit interest is too low.

I'd probably just put it in bonds. I'm a risk averse person. That's why it's my choice.

**XTO** · February 12th, 2016 09:23 PM

ibili ko ng lote yan.

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**earthlyken** · February 12th, 2016 09:46 PM

Originally Posted by XTO

ibili ko ng lote yan.

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Hi Sir XTO,

Buy a Lot worth 2Million then sell it for a higher price?

parang condo lang...but a condo, have it rent out then after couple of years benta..kumita kapa monthly + patong sa selling price.

**earthlyken** · February 12th, 2016 10:01 PM

Originally Posted by machine.pistol

My comment on no. 4. It's costly to maintain a condo unit. And the return recovery period is too long.

Taxi business with 3 or 4 units is not ok. Sakit ulo sa driver and mulcters. Plus expensive upkeep if you don't have garage and mechanic.

Time deposit interest is too low.

I'd probably just put it in bonds. I'm a risk averse person. That's why it's my choice.

Hi Sir,

tried investing sa sunlife financial,

first couple of months (3 to 6 months), tumaas siya ng 15k to 25k na kita...then after that, pababa ng pababa na siya...to the point na mababa na siya sa capital na pinasok ko...

nag antay ako ulit ng morethan 1 year then yung tumaas siya ng 3k, pull out kona agad...

nakakatakot sa stocks mag invest pag wala ka talaga alam, kagaya ko..

**EQAddict** · February 12th, 2016 10:02 PM

Originally Posted by earthlyken

Hi Sir XTO,

Buy a Lot worth 2Million then sell it for a higher price?

parang condo lang...but a condo, have it rent out then after couple of years benta..kumita kapa monthly + patong sa selling price.

I agree with #4 as I also follow that strategy. Capital appreciation with some monthly cash rental returns. I know there are better strategies but this one works for me. Though where you buy is very important.

**earthlyken** · February 12th, 2016 10:36 PM

Originally Posted by machine.pistol

My comment on no. 4. It's costly to maintain a condo unit. And the return recovery period is too long.

Taxi business with 3 or 4 units is not ok. Sakit ulo sa driver and mulcters. Plus expensive upkeep if you don't have garage and mechanic.

Time deposit interest is too low.

I'd probably just put it in bonds. I'm a risk averse person. That's why it's my choice.

when you say "It's costly to maintain a condo unit" what do you mean about it sir? are you referring the association dues?

**XTO** · February 12th, 2016 11:15 PM

Originally Posted by earthlyken

Hi Sir XTO,

Buy a Lot worth 2Million then sell it for a higher price?

parang condo lang...but a condo, have it rent out then after couple of years benta..kumita kapa monthly + patong sa selling price.

A 2 lot worth a million each is another option because its much easier to sell. I prefer lot instead of condo. Ang condo kasi hindi sa iyo ang lote only the unit. Also mahirap makipag deal sa administrator in case may pagagawa ka. Dami kuskos balungos.

Yes, location will make a real difference. Daming condo ang gaganda sa mata while vacant but once occupied di mo mapipili neighbors mo -wala na atrasan.

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**dishcom** · February 12th, 2016 11:28 PM

Mahirap mag hanap ng investment... syempre gusto natin yung safe na malaki ang kita..
.
Hindi ko ma rerecommend ang condo sir.. matagal bumalik ang puhunan plus pag nababakanti ang unit e tuloy tuloy ang monthly due mo.. kung paupahan din naman ang papasukin mo. Bumili ka na lang ng lot at doon ka mag pa tayo ng paupahan....

**earthlyken** · February 13th, 2016 12:14 AM

Originally Posted by dishcom

Mahirap mag hanap ng investment... syempre gusto natin yung safe na malaki ang kita..
.
Hindi ko ma rerecommend ang condo sir.. matagal bumalik ang puhunan plus pag nababakanti ang unit e tuloy tuloy ang monthly due mo.. kung paupahan din naman ang papasukin mo. Bumili ka na lang ng lot at doon ka mag pa tayo ng paupahan....

Magandang suggestion din yan sir, kaso after buying a lot, you also need to build a structure for rent..

hinde ata kakasya yung 2M dun...