equity fund...

[Retz]

may konting technical rebound. we'll see in the days to come....

[the_wildthing]

A generic equity fund should at least mirror the Phisix index, if not better. If it performs worse than the Phisix in the last 2 years, Hindi maganda ang allocation ng fund. Malamang Hindi maganda ang track record ng fund manager. Again, years dapat ang comparison hindi daily movement. You should at least compare the performance of several equity funds available to you.

Pag nag mature na ang mutual fund market sa Pilipinas Baka magkaroon na ng ibang types of equity fund, like growth vs. income, or small cap vs. mid cap.

[badkuk]

i read some articles about BPI launching an index(PSEi) tracking fund.

The thing about equity funds is that you have to time your buys and sells, much like what you do trading stocks. If your equity fund gains 5% on Monday, technically you haven't earned it yet, you have to sell it to realize the gains. Then on Tuesday it goes down -10%, and *then* you sold it, you lose money.
It's not like your traditional bank deposit account were you get a guaranted "interest rate", and your interest is credited and cannot be lost.(i put the double quotes on "interest rate" because,really what's 1.5 - 1.85% per annum?)


Take a look at the fund performances; hindi porke "professionally managed" e immune ka na sa losses. Basically you have a group of people betting on a couple of stocks; if they bet right, then good, you should get at least at par with the index performance. If they bet big(e.g. stock they bought went down), your fund can actually lose money.

One other thing: buying into a fund doesn't free you from monitoring the stock market or the fund. There's money to be made and lost depending on when you bought or sold the equity fund.

[the_wildthing]

Mutual funds aren't the right vehicle if you are looking into trading in days or weeks. Mutual funds are meant to be long term investments. Stocks on the other hand, as well as ETFs (not available in PSE I believe) are meant for trading.

[uls]

Take a look at the fund performances; hindi porke "professionally managed" e immune ka na sa losses. Basically you have a group of people betting on a couple of stocks; if they bet right, then good, you should get at least at par with the index performance. If they bet big(e.g. stock they bought went down), your fund can actually lose money.

yes syempre stock mutual funds can lose money. anyone investing in stock mutual funds thinking high returns are guaranteed is delusional

when you're putting money in stock mutual funds you're going up the risk pyramid

[boybi]

Are ROP bonds good? Someone wants to sell me ROP bonds in USD. Guaranteed 5% dividend per annum, given every 6mos.

Maturity 24yrs from now, yield of around 120%.

[Retz]

^

afaik bonds/government securities guaranteed by the philippines is seemingly safe.

[uls]

boybi

Philippines Government Bonds | Philippines Government Bonds Yields

[boybi]

boybi

Philippines Government Bonds | Philippines Government Bonds Yields

^

afaik bonds/government securities guaranteed by the philippines is seemingly safe.

So will you recommend it?

[uls]

i would wait for newer issuance

bumaba ang prices ng Phil. govt bonds coz of the EM selloff

newer issuance could have higher interest rate

[boybi]

But tumataas ang USD.

[tagalnasaabroad]

Or consider corporate bonds..

Ayala Land May Offer 25-Year Tenor in $486 Million Bond Sale - Bloomberg

[boybi]

Is that good?

[cast_no_shadow]

Sa mga may equity sa bdo, nag pull-out ba ba kayo?

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[CLAVEL3699]

Sa mga may equity sa bdo, nag pull-out ba ba kayo?

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hindi... magrebound nya a matter of months.... hintay hintay lang...

[Monseratto]

Yesterday was a good day to buy...may kita ka ngayon sana...hehehe. Market up by 208 points.

[Retz]

^

naku sir mon, baka bumaba na naman yan next week. ganon trend eh tataas bahagya taops bagsak.

[cast_no_shadow]

Laki ng talo ko pag nag out ako. Hopefully mag rebound nga.

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[yebo]

tataas ulit yan, mga december ok na yan ulit. na-wipe out na yung kinita ko since february, sayang din. pero di rin naman ako in-out, basta nilagay ko na dun wala na alisan. pag nakalayas na yang mga foreign raiders na bwisit tataas din yan ulit. maayos ang fundamentals e, nag-panick lang kasi yung mga foreign fund managers. in fact bibili ako pag bumaba pa.

[tagalnasaabroad]

tataas ulit yan, mga december ok na yan ulit. na-wipe out na yung kinita ko since february, sayang din. pero di rin naman ako in-out, basta nilagay ko na dun wala na alisan. pag nakalayas na yang mga foreign raiders na bwisit tataas din yan ulit. maayos ang fundamentals e, nag-panick lang kasi yung mga foreign fund managers. in fact bibili ako pag bumaba pa.

Mismo..! People are panicky but it all boils down to paper losses..stay cool, be a gallant spectator, be thrilled with the ups & downs..here's something to help you how to stay calm in times of market turbulence..

https://retirementplans.vanguard.com...ingcalmbearmkt

tomorrow i'll catch up 'Man of Steel' in 3D at the nearest cinema.