Saang bangko magandang mag timedeposit ng pera?

**1D4LV** · February 26th, 2007 09:21 AM

Originally Posted by Zeus

Mag variable life fund ka na lang sa Manulife

Mataas na ang interest, insured ka pa

same here.... but, tanong ko muna... gano katagal mo plano itago ang pera mo? kung panandalian lang, just go for the usual time deposit accounts. i think the average rate these days is 2.75% annually. less 20% tax pa yung interest mo.

kung medyo iniisip mo na mga 3 to 5 years, then mag variable life fund ka na lang... life insurance companies offer these products.

**huangyenhao** · February 26th, 2007 09:30 AM

Try PSBank

i just inquired last week, they have this offer for 5 yrs long term TD and you get 5.5% net interest (tax free) unlike 2% (gross) something for other banks.

minimum is P20K

**Zeus** · February 26th, 2007 01:38 PM

Originally Posted by driven

if you intend to let your time deposit to stay for a long period of time without doing anything with it... i can send you an illustration of a money accumulating savings fund showing an attractive rate of return na medyo secured din at the same time. if ok with you, please PM me your email so i can send the file to you for your reference.

Tama

Expert si Driven dito

15 to 20% interest, insured ka pa

**XTO** · February 26th, 2007 01:49 PM

Rural Bank gives around 8% anually. Para iwas kaba wag mo palampasin
ng 300K per account para sagot ng PDIC.
PS Bank gave us a 7.*% annual interest pero upon maturity
ngayong Feb naging 2.*% na lang kaya we shifted it to short
term na lang Mababa daw talaga. Nagkaroon pa sila 3 years ago
nung double your money kaya lang wala na ngayon.

**squatt3r** · February 26th, 2007 05:09 PM

good info ito ah. have always thought na pinakamataas ung bigay ni BDO.
may website ba PSbank?

**shadow** · February 26th, 2007 07:12 PM

Originally Posted by happy_gilmore

kung medyo iniisip mo na mga 3 to 5 years, then mag variable life fund ka na lang... life insurance companies offer these products.

paano ang laro dito? bakit kaya nila mas mataas na interest rate cmpared sa bank? san nila invest yun pera?

**_Qwerty_** · February 26th, 2007 07:41 PM

try government bonds.. may pag-ibig housing bonds.. fixed 8% p.a. walang tax sa interest..

for 1M investment, that's Php40K semi annual interest..

**Galactus** · February 27th, 2007 10:25 AM

I have a 5-year TD with PS Bank (Prime TD). Opened it last Sept. 2004, and I was lucky enough that the rate then was 9% p.a. That time, pinakamataas ang sa Planters Bank (9.5%, 5 years), so my wife opened one as well. Since 5 years sya, net na yung interest, since exempt sya from withholding tax.

Both offered monthly interest accrual, but you have to open a savings account para dun papasok yung interest mo (Zero sa Planters Bank, P100 sa PS Bank). PS Bank also offered a free credit card, and loan facility (90% of your TD), pero hindi ko na inavail.

Nowadays, pinakamataas pa rin ang Planters Bank (6.5%) for 5-year TD.

Depending on your risk tolerance, you can invest in a variety of securities. But safest pa rin ang T-Bills and T-Bonds, then TD's, especially kung below 250k, kasi covered siya ng PDIC.

**1D4LV** · February 27th, 2007 12:15 PM

Originally Posted by shadow

paano ang laro dito? bakit kaya nila mas mataas na interest rate cmpared sa bank? san nila invest yun pera?

insurance companies invest the money (which are pooled from other subscribers) in government bonds, treasury bills, equities, foreign bonds and stocks. depends on what bond type you get with the life insurance. may low risk, may high risk.

**BlueBimmer** · February 27th, 2007 12:21 PM

Originally Posted by Galactus

I have a 5-year TD with PS Bank (Prime TD). Opened it last Sept. 2004, and I was lucky enough that the rate then was 9% p.a. That time, pinakamataas ang sa Planters Bank (9.5%, 5 years), so my wife opened one as well. Since 5 years sya, net na yung interest, since exempt sya from withholding tax.

Both offered monthly interest accrual, but you have to open a savings account para dun papasok yung interest mo (Zero sa Planters Bank, P100 sa PS Bank). PS Bank also offered a free credit card, and loan facility (90% of your TD), pero hindi ko na inavail.

Nowadays, pinakamataas pa rin ang Planters Bank (6.5%) for 5-year TD.

Depending on your risk tolerance, you can invest in a variety of securities. But safest pa rin ang T-Bills and T-Bonds, then TD's, especially kung below 250k, kasi covered siya ng PDIC.

exempted pala sa withholding tax pag 5yrs na TD? so if 6.5%, non fluctuating na rate na yan for 5yrs?

wow matanong nga...