bdo is offering smic dollar deposit 5 years . minimum of 20k$ at rate of 5.75% to 6% net per annum
every 6 months interest pay out. not bad coz T-bill 3yrs. pesos is 4.6% net
guess you're comparing apples with oranges here ... one is peso denominated while the other is in USD. Further, the tenors are not at par with each other. The benchmark for a 5 year peso rate should also be in the vicinity of 6% ... but that is for G/S. For peso corporate probably another 200 -250 bps so most likely the comparative yield is around 8.50% vs 6% respectively.
Interests:beach, travel, sports, margarita, sangria, books, hanging out with fun people
Posted 11 May 2011 - 02:43 PM
The interest rate of ayala homestarter bond is compounded
For 3 years... Not the previous post of mine that are not compounded...this kind of bonds are not bad considering 5k as a starter....
Not a bad investment, if you plan to buy an ayala land. But if not, 4% is still pretty low compared to putting your money in stock market.
I have actually been thinking about your post for some time. I saw ANVAYA COVE in Morong, Bataan and I so love it there. The beach is just so pristine. But it's so expensive. I wonder if it's a wise buy. AFraid it might turn out like Pico de Loro or other condos near beaches na nag deteriorate over time.
try mutual funds. fund experts see that the equities will outperform fixed income in the next 3 years. ytd of equity laden funds are doing bet. 11% to 13% as of this writing. here's how the equities fund performed the last 3 years:
2009 - 47% net
2010 - 55% net
2011 - 3% net (fund managers adopted a wait and see attitude last year)
2012 - 13% net ytd
minimum investment is only P10,000.
holding period is only 6 mos.
These mutual funds are managed by PAMI. (Philam Asset Management, Inc.)
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