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February 24th, 2007 08:15 PM #11
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February 24th, 2007 08:41 PM #13Natatandaan ko years ago na nagtaas ng rate ang Orient Bank kaya naglagay ng konting pera ang tatay ko pero di nagtagal nagsarado yong bangko, ewan ko lang kung nakuha pa yong pera. Ano bang habol ng mga depositors pag nagsarado ag isang bangko. Yong cousin ko PHP800K ang nakadeposit sa bangkong yon.
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February 24th, 2007 10:41 PM #14
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.
Last edited by driven; February 24th, 2007 at 10:58 PM.
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February 24th, 2007 11:28 PM #16[SIZE=2]Siguro now d lng dapat itanong kung which bank may mataas n rate pro yung matatag din. siguro now pinaka maganda eh Banco de Oro...member of SM group of company. isa p eh BPI Family Bank of course Ayala Group.. wag k masyado rely s ganda ng rate kasi d sure kung magsasara sya at kung pano mo mahahabol ang pera mo. wag k rin papasok s bank n may k pyramiding ang set-up mahirap n. don k basta s laging matatag...kung may 800K k s bank ang PDIC insured lang eh 100K; yon lng makukuha mo s PHILS. DEPOSIT INSURANCE CO.
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February 25th, 2007 08:51 AM #18walang investment vehicle na walang risk sa capital. the higher the risk, the higher the return. BPI matatag nga pero sa time deposit nila, pinakamataas na ang 2% p.a., and this is only if you invest more than 250K. e ang insured lang ng PDIC ay up to 250K. you can try sun life. maganda ang projections nila. pero pag tiningnan mong mabuti, nakasulat sa policy nila na "all investment risks are assumed by the investor" or something like that. you can also try rural banks. sa isang kilala kong rural bank, sa 1M deposit, 10% p.a. ang interest rate nila. but then again, hanggang 250K lang ang insured ng PDIC.
urban bank nga na malaking banko, biglang nagsara. may kakilala ako 15M ang total deposit niya doon. ewan kung may nailabas siyang pera bago nag-bank run.
IMHO, if you're 100% risk averse, dig a hole and place your money there. that's the only way na siguradong walang risk sa capital. otherwise, everything else is a game of chance and of managing varying levels of risk.
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February 25th, 2007 05:26 PM #19sorry s pag post wrong amount ha... nahalata tuloy matagal n me ala s pinas...hehehe
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February 26th, 2007 03:44 AM #20
PS Bank mas mataas yung rates kesa mga malalaking banks... family savings bank kasi ang classification. di naman siguro tataob yun kasi subsidiary ng Metrobank.
Somewhat expected from a rushed car from a first time carmaker
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