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Where To Invest 200k?


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#21 Google

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Posted 25 July 2008 - 10:31 AM

My mom just sold a piece of our land for 200K and she intends to keep it as money for when she grows older. I told her it wouldn't be wise to have it just sit in a bank earning 1% interest. I was telling her to invest in Mutual Funds but she was thinking of putting the money in a time deposit. I'm not that knowledgeable in Mutual Funds to convince her otherwise. Can you give suggestions on what would be the best way to invest the money and hopefully earn some interest on it?



ipautang mo sa akin, ibabalik ko after one year with 10% interest.
pangdadagdag ko lang sa kapital ko. hehehehe.

#22 occam

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Posted 25 July 2008 - 03:21 PM

BDO at 2.25%. However, after the three months is over, we'll move the money to China Bank who has an interest rate at 3.5%.


Why not skip BDO altogether and just go immediately to Chinabank where the rate is higher?
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#23 UncleCrank

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Posted 25 July 2008 - 04:52 PM

Banks like DBP, Metrobank, BDO etc are offering Retail Treasury Bonds. I'm not sure if it's only up until today (July 25) or if it's till the end of July. Minimum of 5,000 pesos. 3year RTB has a gross interest rate of 8.5% while 5year RTB is at 9%. This is a low risk investment since the govt is the one lending your money thru banks. Interest is paid quarterly so it gives you liquidity.

#24 joss

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Posted 26 July 2008 - 10:25 AM

medyo malaki nga lang sa PNB tresury bills min nila 100k maganda lang dun pag bili mo ng tbills ang babayaran mo ay 100k mo less yung rate.. in other words pag nag mature yung t bills mo 100k parin pero ang ipinasok mo na pera lets say 10% ang rate di 100-10= 90k lang ang kinuha ng bangko sa iyo eh di may 10k ka pa... may pang gastos ka na di ka na mag hihintay ng mahabang panahon para sa interest. 10k pwede mo na i invest yan... dont worry pag nag mature ang tbills mo balik sa iyo ang 100k mo. yan ang kagandahan ng tbills lol ....parang may advantage ang ganito satingin ko,10k pwede na rin pang mutual funds yun .sa 100k mo may 100k ka na tbills at 10k mutual funds parang naging 110k yung 100k mo instantly ... pero sa ngayon mababa pa ang rates at you have to consider yung tax din pala.. nag hihintay nga ako tumaas ng konti sana ang rates. may mas mataas naman ROI na pagkakakitaan, ito naman tbills pang ano lang ito para lang sa mga walang magawa sa pera lol....

#25 Immortal666

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Posted 26 July 2008 - 10:59 AM

Why not skip BDO altogether and just go immediately to Chinabank where the rate is higher?


The money was credited to our BDO bank account. Tinamad na kami i-withdraw so dun muna kami nag-open ng TD.

#26 muffin

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Posted 27 July 2008 - 03:43 PM

ipautang mo sa akin, ibabalik ko after one year with 10% interest.
pangdadagdag ko lang sa kapital ko. hehehehe.


ako din! if you want, you can lend it to me for 10% per anum interest..i have a very profitable business... check my signature link number 2. that's my business...

Edited by muffin, 27 July 2008 - 03:43 PM.


#27 joann287050

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Posted 29 July 2008 - 08:32 PM

3.5% interest rate for Time Deposit in banks are good enough since it has low risk. you may also opt to place your money in a cooperative as they can offer a higher interest rate for TDs than that offered by banks and not subject to tax. Only con is that depositor is not insured by the PDIC so better place money in a cooperative that you know and trusts (or on one which you have connections with its members/officers). :upside:

happy saving!

#28 sxy_shandy

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Posted 04 August 2008 - 11:40 PM

@Immortal
You never did say kung ilang taon na mom mo at kung talagang extra lang yung 200k. Para klaro kayo sa time horizon... ok naman sa time deposit kaso kung matagal mo naman pala kayang hindi galawin, baka mas mabuti pang sa mutual fund nga. Sayang din ang sanang kikitain niyo. O di kaya merong single-pay na investment products. Wala bang ibang investments? Kasi kung time deposit at savings na yung iba niyong assets tapos bonds pa uli, sobrang conservative na, hindi na kayo nakinabang sa 'diversification'.

#29 joss

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Posted 05 August 2008 - 07:08 AM

kumg di ako magkamali 70 na nanay niya lol.

#30 dragonite

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Posted 28 September 2008 - 03:55 AM

in a businessman point of view,

if you're going to invest 200k, you must at least earn 4k a month or 2%,

because banks can give you 2% monthly if you deposit your money to their bank.

in one year time, your money should increase by 24% or 48k minimum.

Edited by dragonite, 28 September 2008 - 03:57 AM.


#31 Immortal666

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Posted 03 October 2008 - 11:44 AM

kumg di ako magkamali 70 na nanay niya lol.



Oy hindi a. 57 pa lang ang nanay ko. Extra lang talaga yung 200K. Nalagay na namin sa TD and pa-end na sya ngayong October. Ie-extend ata ng mom ko for another 3 months.

#32 HOT PAPA

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Posted 03 October 2008 - 07:49 PM

Oy hindi a. 57 pa lang ang nanay ko. Extra lang talaga yung 200K. Nalagay na namin sa TD and pa-end na sya ngayong October. Ie-extend ata ng mom ko for another 3 months.



since your money is with BDO, inquire about their PMMF(peso money market fund) wherein you earn minimal interest daily and you can opt out any day without any preterm charges.......

#33 Guest_serenity12_*

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Posted 03 October 2008 - 09:36 PM

in a businessman point of view,

if you're going to invest 200k, you must at least earn 4k a month or 2%,

because banks can give you 2% monthly if you deposit your money to their bank.

in one year time, your money should increase by 24% or 48k minimum.


Are you sure about your math, sir? Sure banks can give you 2% but its on a per annum basis, I think. I haven't heard of any bank that would give you 24% return in a year ;)

#34 Dr_PepPeR

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Posted 04 October 2008 - 01:50 AM

Are you sure about your math, sir? Sure banks can give you 2% but its on a per annum basis, I think. I haven't heard of any bank that would give you 24% return in a year ;)


If a bank is willing to give you 2%/month or 24% per annum, be afraid... be very afraid....

#35 HOT PAPA

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Posted 04 October 2008 - 06:23 PM

If a bank is willing to give you 2%/month or 24% per annum, be afraid... be very afraid....


yeah! very very d a n g e r o u s, maybe its 2% per annum & not 24%.......

#36 silverapollo

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Posted 05 October 2008 - 07:12 PM

i agree be careful kasi the higher thre interest na bigay ng bank the less stable it is....yung 24% pang mga nagpapautang yan..
clear nyo lang kung yung 200k ba ay extra or pedeng inegosyo... or savings for the future....
maganda pa rin business na alm nyo patakbo... yung kakaiba dapat....

#37 kamandag7

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Posted 09 October 2008 - 05:34 PM

right now the stocks are down you can invest on comodity like oil or mining 10% a year isnt bad at all.

but you have to monitor the stocks that you are investing......or better put in a td w/c have low

risk & little interest will be earn .


#38 rapturousone

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Posted 13 October 2008 - 05:44 PM

My mom just sold a piece of our land for 200K and she intends to keep it as money for when she grows older. I told her it wouldn't be wise to have it just sit in a bank earning 1% interest. I was telling her to invest in Mutual Funds but she was thinking of putting the money in a time deposit. I'm not that knowledgeable in Mutual Funds to convince her otherwise. Can you give suggestions on what would be the best way to invest the money and hopefully earn some interest on it?


last july, a 5-year retail treasury bond with a 9% yield was offered. it is still below inflation rate but offered a better return (with a lot less risk) than other instruments. keep your eye out for something safe like that. it is not sexy but sometimes plain jane investments (especially in a highly volatile market) will be better for you. if you want to give mutual funds a try, i suggest that you do not put all of your money in a mutual fund. you can lose it all. given that your mom seems to be counting on the Php200K for her retirement, safe is the way to go....but please, take it out of the savings account that gives a 1% return! ask your bank manager what your bank has to offer.

by the way, good for you that you're thinking about your mom! :thumbsupsmiley:

#39 rapturousone

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Posted 13 October 2008 - 05:54 PM

by the way, if rtbs are no longer availabe, you may want to look at special deposit accounts that have yields in excess of 6% per annum but with holding periods of less than 5 years.

#40 joss

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Posted 03 November 2008 - 08:32 PM

kumusta na ang 200k mo na dag dagan na ba hehehe




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