Results 21 to 30 of 30
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February 26th, 2007 09:21 AM #21
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.
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Verified Tsikot Member
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- Nov 2006
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- 82
February 26th, 2007 09:30 AM #22Try 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
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February 26th, 2007 01:38 PM #23
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February 26th, 2007 01:49 PM #24
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.Last edited by XTO; February 26th, 2007 at 05:36 PM. Reason: typo
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Tsikoteer
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February 26th, 2007 05:09 PM #25good info ito ah. have always thought na pinakamataas ung bigay ni BDO.
may website ba PSbank?
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February 26th, 2007 07:12 PM #26
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February 26th, 2007 07:41 PM #27
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..
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February 27th, 2007 10:25 AM #28
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.
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February 27th, 2007 12:15 PM #29
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February 27th, 2007 12:21 PM #30
Did some independent research and decided to go with the white pearl crystal.... para maiba naman. ...
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