teban Posted March 30, 2008 Share Posted March 30, 2008 Guys i need info here. baka may alam kayu na bank (preferrably the bigger ones) na may mga time deposit offering with the highest rate. ang principal amount is around 50K. Thanks! Quote Link to comment
Google Posted March 31, 2008 Share Posted March 31, 2008 TD rates are almost the same with the commercial banks. I think most of them are now on 1.6-1.7 PA. now if you would try to keep the money for long term (let's say for 5 years), try PSB's time deposit. sila ata ang may pinakamataas na rates ngayon at 8% PA for 5 years. the hitch is that you cannot get your money for you to enjoy the 8% PA for five years. its better if kung long term TD ang hanap mo, i mutual funds mo na lang, or treasury bills. Quote Link to comment
Bitoy Posted March 31, 2008 Share Posted March 31, 2008 TD rates are almost the same with the commercial banks. I think most of them are now on 1.6-1.7 PA. now if you would try to keep the money for long term (let's say for 5 years), try PSB's time deposit. sila ata ang may pinakamataas na rates ngayon at 8% PA for 5 years. the hitch is that you cannot get your money for you to enjoy the 8% PA for five years. its better if kung long term TD ang hanap mo, i mutual funds mo na lang, or treasury bills. Going down din yung mutual funds ngayon. Any other option? Quote Link to comment
engrlee Posted March 31, 2008 Share Posted March 31, 2008 kung time deposit sa banks. pinakamalaki na makuha mo 5% per annum. mutual funds naman may risks. mag tayo ka na lang kaya ng casa. dami mo pa customer Quote Link to comment
teban Posted March 31, 2008 Author Share Posted March 31, 2008 hey bro engrlee saan ung 5% per anum na to mataas na ito ah. ang alam ko meron offer ang BPI special time deposit daw 4% per month its with the government tapos lockin period lang is 1 month. ang problem lang dito is 100K ung min investment. Bro google, ung 8% ba na sinasabi mo sa PS Bank un? Thanks! Quote Link to comment
Google Posted April 1, 2008 Share Posted April 1, 2008 Going down din yung mutual funds ngayon. Any other option? money market funds and fixed income funds are not, imho. Quote Link to comment
Google Posted April 1, 2008 Share Posted April 1, 2008 hey bro engrlee saan ung 5% per anum na to mataas na ito ah. ang alam ko meron offer ang BPI special time deposit daw 4% per month its with the government tapos lockin period lang is 1 month. ang problem lang dito is 100K ung min investment. Bro google, ung 8% ba na sinasabi mo sa PS Bank un? Thanks! yes, its with PSB afaik. but as i've mentioned earlier, you cannot get your money back within the 5 year holding period. your better option is, what i've said earlier, are money market funds, fixed income funds or treasury bills. Quote Link to comment
spadon Posted April 15, 2008 Share Posted April 15, 2008 My portfolio of funds have the following yields right now, at the height of volatility: Money Market Fund 3.9% pa netBonds and Fixed Income 6% pa netGovernment Securities 3% pa netBalanced Fund 10.45% pa net I have held the funds for just a little over a year. Not bad considering the current situation. Quote Link to comment
Guest lustfortravel Posted April 17, 2008 Share Posted April 17, 2008 My portfolio of funds have the following yields right now, at the height of volatility: Money Market Fund 3.9% pa netBonds and Fixed Income 6% pa netGovernment Securities 3% pa netBalanced Fund 10.45% pa net I have held the funds for just a little over a year. Not bad considering the current situation. i hope this already takes into account the front or back end fees - sometimes, only the performance of the fund is shown but what they don't tell you is that their fees are not yet imputed in the quoted returns. Quote Link to comment
spadon Posted April 21, 2008 Share Posted April 21, 2008 i hope this already takes into account the front or back end fees - sometimes, only the performance of the fund is shown but what they don't tell you is that their fees are not yet imputed in the quoted returns.Yes, I took note of those "management and administrative fees" and netted these charges out by computing actual returns using NAVpu x units. As you probably know, NAVpu is the sum of the market value of the fund's assets less its liabilities and expenses (including management fees and taxes). You are right, the published fund performance may not reflect net returns after management fees and taxes. Compute actual returns using NAVpu x units held. Para hindi tayo OT, time deposit rates have not improved despite the highly volatile equity market or have they already? Quote Link to comment
Dr_PepPeR Posted April 22, 2008 Share Posted April 22, 2008 Export Bank is offering Special Savings at a gross rate of 4.5% from 30 - 59 days. Quote Link to comment
redshirt Posted April 22, 2008 Share Posted April 22, 2008 Export Bank is offering Special Savings at a gross rate of 4.5% from 30 - 59 days.Wow. That's pretty big. How much would the minimum investment be? Is export bank stable? Quote Link to comment
Google Posted April 24, 2008 Share Posted April 24, 2008 Wow. That's pretty big. How much would the minimum investment be? Is export bank stable? special savings is a form of time deposit. so that means it is still subject to withholding taxes. export bank is stable. the reason why they are just quiet and quite unheard of in the market is because their focus is corporate banking, not consumer banking. Quote Link to comment
ignotus Posted April 24, 2008 Share Posted April 24, 2008 maybe what you meant was "RETAIL BANKING" consumer banking is lending, which is one of export bank's LOB Quote Link to comment
spadon Posted April 27, 2008 Share Posted April 27, 2008 BPI Special Savings Account offers 3.8% pa net for 30-45 days, 100K minimum placement. Special savings accounts are now all over the place, probably a better alternative to park your funds short-term while waiting for the volatility to pass. Quote Link to comment
rage515 Posted June 22, 2008 Share Posted June 22, 2008 just want to sharetime deposithas a very minimimal riskthat retiree people should dobecause they cant afford to lose investment anymore Quote Link to comment
Charlemagne2008 Posted June 22, 2008 Share Posted June 22, 2008 Bank interest rate is always lower than the inflation rate, it means that at the end of the year even your money earns interest your puchasing power is less because of higher inflation. For me I rather invest in stocks, even it is risky the return is also high, just minimize your risk if your investing in stocks. Quote Link to comment
wallace Posted August 21, 2008 Share Posted August 21, 2008 What bank offers the highest monthly time deposit interest? Quote Link to comment
Dr_PepPeR Posted August 22, 2008 Share Posted August 22, 2008 What bank offers the highest monthly time deposit interest? As of yesterday it looked like Bank of Commerce, Planters Development Bank and Export Bank. Thrift and Rural banks offer much higher rates but then... Quote Link to comment
mykel1 Posted August 22, 2008 Share Posted August 22, 2008 Thrift and Rural banks offer much higher rates but then...[/b][/color] I could definitely agree doc... As of now, Trust placements and Bancassurance products of banks are being preferred investmentsby bank clients over the regular time deposits for the "better" yields they could give Quote Link to comment
b1gbeauty89 Posted August 27, 2008 Share Posted August 27, 2008 money market funds and fixed income funds are not, imho. So how does mutual funds, money market and fixed income funds worked? Pls enlighten us thanks Quote Link to comment
Dr_PepPeR Posted September 3, 2008 Share Posted September 3, 2008 So how does mutual funds, money market and fixed income funds worked? Pls enlighten us thanks Click on the link on my signature for FAQs about UITFs, they work just like mutual funds. Quote Link to comment
cleanpinoy Posted September 3, 2008 Share Posted September 3, 2008 may magandang time deposit service ang bpi. sanctioned by bangko sentral. almost 5 % interest rate per annum Quote Link to comment
coricsbaby Posted September 19, 2008 Share Posted September 19, 2008 magkanu ba minimum kapag magttime deposit..and minimum span of time Quote Link to comment
silverapollo Posted September 27, 2008 Share Posted September 27, 2008 banks with high interst rates be cautious kasi they need depositors. to be safe try to check the stability ng bank kahit mababa eh sure ka na di magsasara. although kng dami ka extra time deposit mo na lang. yung tipong pangmatagalan ang term. i would suggest business ka na lang. mlaki risk but malaki din ang return. be sure you know the business. whatever business di mo dapat gagamitin yun for your day to day expenses. Quote Link to comment
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