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Stocks Vs. Mutual Funds Vs. Uitf Vs. Pre-need


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  • 2 weeks later...

HI guys,

 

I would like to ask what you think is the best investment strategy which is a one time deposit stuff for an amount of about 50K.

 

would it be better for me to go for banks or would it be better for me to go for philam or sunlife?

 

I am also willing to try the high risk types which are supposedly yield higher interest

 

Thanks in advance!

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  • 1 month later...

ano ba ang epekto sa NAV ng isang open ended MF kung biglang madami ang na dagdag na shares meaning madaming nag invest? parang malamang mapipigilan ba pag taas ng NAV? ano naman kaya epekto pag may nag labas na maraming pera sa MF mag improve kaya ang NAV?

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  • 1 month later...
ano ba ang epekto sa NAV ng isang open ended MF kung biglang madami ang na dagdag na shares meaning madaming nag invest? parang malamang mapipigilan ba pag taas ng NAV? ano naman kaya epekto pag may nag labas na maraming pera sa MF mag improve kaya ang NAV?

 

Actually the behavior of the NAV really depends on what the market does and how the fund manager deals with it. Only when there are unusually excessive purchases or sales of MF shares could there be an effect on the NAV. Even then, the movement of the NAV could be down or up. If the MF has a lot of investible funds, then they might get better investment outlets. On the other hand, if there are excessive withdrawals, the fund manager may be forced to sell off at a loss the securities held by the MF.

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yung sa redemption talaga ako na tu turn off sa mga mutual funds dito sa pinas unlike sa lets saudi pag labas mo sa banko kuha mo na pera mo kung gaano ka bilis mag pasok ng pera ganun din pag labas. dito sa pinas ang daming ka badingan ng financial institutions. sana maawa sila sa mga investors.

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yung sa redemption talaga ako na tu turn off sa mga mutual funds dito sa pinas unlike sa lets saudi pag labas mo sa banko kuha mo na pera mo kung gaano ka bilis mag pasok ng pera ganun din pag labas. dito sa pinas ang daming ka badingan ng financial institutions. sana maawa sila sa mga investors.

 

That's because the NAV is usually determined only at around 3 to 4pm. By that time, the banks have already closed their doors.

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  • 2 weeks later...

Guys if you would just know how ForEx trading is works and the potential income from it.

you will realize that it is much better than stock trading and buying mutual funds.

 

 

Although forex is the largest financial market in the world, it is relatively unfamiliar terrain to retail traders and investors.

Until the popularization of internet trading a few years ago, FX was primarily the domain of large financial institutions,

multinational corporations and secretive hedge funds. But times have changed, and individual investors are hungry for information on this fascinating market.

 

 

For questions and queries about online ForEx trading just pm me or contact me at 09** *** ****

 

Public posting of contact numbers on the board is not allowed. Please refer to the Posting Primer for your guidance. Thank you. - DarkAngel

 

 

Sincerely

Victor Garcia

 

Performance Foreign Exchange Corporation (eforex-asia.com)

The Enterprise Center, Tower 2, Mezzanine

6766 Ayala Ave., cor. Paseo de Roxas, Makati City

Edited by DarkAngel
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Guys if you would just know how ForEx trading is works and the potential income from it.

you will realize that it is much better than stock trading and buying mutual funds.

 

 

Although forex is the largest financial market in the world, it is relatively unfamiliar terrain to retail traders and investors.

Until the popularization of internet trading a few years ago, FX was primarily the domain of large financial institutions,

multinational corporations and secretive hedge funds. But times have changed, and individual investors are hungry for information on this fascinating market.

 

 

For questions and queries about online ForEx trading just pm me or contact me at 09** *** ****

 

 

 

Public posting of contact numbers on the board is not allowed. Please refer to the Posting Primer for your guidance. Thank you. - DarkAngel

 

 

Sincerely

Victor Garcia

 

Performance Foreign Exchange Corporation (eforex-asia.com)

The Enterprise Center, Tower 2, Mezzanine

6766 Ayala Ave., cor. Paseo de Roxas, Makati City

 

I used to know a Victor Garcia who once worked for Far East Bank. Are you the same person?

Edited by DarkAngel
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  • 6 years later...
  • 6 months later...
  • 1 month later...

FREE Online Seminar by J3 PATINO,RFP (Registered Financial Planner)

 

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Na-experience mo na ba makasakay sa financial roller coaster?

 

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Tapos sa susunod na lingo eh balik ka sa dati at BITIN ka ulit sa pera.

 

Yung panahon na natutuwa ka na dahil may savings ka na.

Tapos may mangyayari nalang at kakailanganin mong gastusin ang pinaghirapan mong savings?

 

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Pili ka nalang sa 4 options when it comes to your results...

 

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That online seminar series was meant to be just the "awakening" course.

Pang-pa gising lang talaga siya sa mga walang malay tungkol sa pera.

 

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"hyper-convenient" and "super-profitable"

 

>> Video 4: Practical Investing

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3zfyGiqTOPHP.qP&b=K7rZ56baYWeXWOuqQYVg_Q

 

Investing isn't just about the money.

It's about what you can do with the money after.

 

It's about more dreams being fulfilled.

It's about more beautiful memories being created.

It's about more people being loved.

 

 

 

>> Video 4: Practical Investing

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3zfyGiqTOPHP.qP&b=K7rZ56baYWeXWOuqQYVg_Q

 

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>> Video 5: Taking the Leap

 

ACTION STEPS that show you the EXACT steps you need to take

to get START in the world of the stock market.

 

Here's what you'll get in the video:

an instructional guide on how to get started and create and account

an inside tour of COL's website

a downloadable 1-page resource and action guide (super valuable!)

With these things you're be all set to get started and take the leap.

You're already mentally, emotionally and intellectually ready.

 

 

The only thing left is for you to actually do it

So take the Leap and you'll be able to Invest Within the Week!

 

>> Video 5: Taking the Leap

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3rfc.cL5yPHP.qP&b=Lg1xyuVcXYlGXdLBEGsBpw

 

This is the last video in the online seminar series.

 

9) What is your gameplan for becoming wealthy?

 

Do you have a structured approach to budgeting your money?

Is your budget aligned with your real life goals?

Or Is it just budgeting, for bugeting's sake?

 

Do you understand how you should use the different financial tools

based on your unique goals and financial objectives?

Or are you investing just because 'sabi maganda daw'...

 

Are you confident that if you keep doing what you're doing now...

that you will be able to achieve your goals in life?

Or is it just "blind-optimism", na puno ng "sana" or "bahala na".

 

>> Learn how to create a financial gameplan here.

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3zUa5tAJNboK2qP&b=D8b1rnpsFLbjt4AtZ0zExg

 

These are hard questions to answer.

Masakit sa ulo, kasi serious topic talaga eh.

But this email is only for people who are serious about their goals...

 

If you're SERIOUS about creating a better life for yourself and your loved ones...

If you want to LEARN how to World of Money works...

If you want to KNOW how you can achieve financial freedom, step-by-step...

If you want to be CONFIDENT in your daily money decisions...

 

Then Its highly recommend that you get Game of Wealth Premium Seminar.

It is an online seminar, with 8-hours worth of comprehensive content about:

 

Wealth Mindsets, Saving Techniques, Budgeting, Getting Out of Debt,

Insurance, Healthcare, Mutual Funds, UITFs, Equities, Bonds, Tithing,

Fate Funding, Gamification, Passive Income, Real Estate, Network Marketing

and so much more....

 

The bottom line is, after going through the online program...

you will ensure that EACH peso you spend, and EACH activity you engage in

will bring you closer to your financial goals and aspirations.

 

>> Details of the seminar can be found here

 

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10) Many people know that they SHOULD be investing.

Some people know HOW to invest already.

But only very few are ACTUALLY investing.

 

This problem really bothered me, so I thought about it.

For some reason there are "things" that hold people back.

Things that we know exist, but can't quite figure out and overcome.

 

Investing is not only about the money. Nor is it about knowing how to do it.

 

There are 3 specific barriers that must be overcome.

 

Psychological Barriers

Personal Barriers

Social Barriers.

To the few who are already investing, it was by CHANCE on how they overcame these barriers.

But to most, an active effort must be done to overcome them.

 

 

 

>> Overcoming the Barriers to Investing

 

 

 

There's a segment there where my fellow investors share their experiences.

You'll get to learn all about it in the video.

 

If you know "something" has been holding you back with investing...

You'll find it here in this video. Watch it, and break free!

 

If you're already one of the few who have started to invest,

this will motivate you to keep doing what you're doing.

 

>> Overcoming the Barriers to Investing

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=42TQv_Ku1PHP.qP&b=XE7s5E0E84OAAPAz6Egx2g

 

11) > Q&A Session Video Training

 

http://www.stockmarketforpinoys.com/learn/qa-session

 

This Q&A video contains 80+ mins worth of amazing content.

We talk about stock market crashes, and what to do about them.

We talk about other investments like Mutual Funds, UITF's and VULs as well.

and sooo many more.

 

>> Q&A Session Video Training

 

http://www.stockmarketforpinoys.com/learn/qa-session

 

12) "The most expensive money mistakes are the ones you have no idea you're making."

 

Article Link: 3 HIDDEN Costs of Being Financially Ignorant

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3ynXXzQnlioK2qP&b=sIGuK4yuQljWWizNBtQ.qA

 

 

By the way, you can also forward this article to friends and family.

After all, the game of wealth is a TEAM GAME.

The more you're surrounded by financially successful people,

the more you'll be sticking to your commitments and goals.

 

Just click the link below to read the article:

>> 3 HIDDEN Costs of Being Financially Ignorant

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3ynXXzQnlioK2qP&b=sIGuK4yuQljWWizNBtQ.qA

 

13) In this blog article you can learn how he was able to start investing,

with a meager P11,500 per month salary, while supporting 2 kids.

 

>> Continue reading his story here.

 

http://www.stockmarketforpinoys.com/?p=1610

 

14) In this Q&A video we talked about:

Family and Money

Being a "Slave to Money"

Dealing with Foreign Currency

SSS and GSIS (and how the pension is a SCAM!)

Estate Planning 101

VUL vs. Mutual Fund + Term Insurance

and much more!

 

Youtube Link here:

 

15) Lets REVIEW:

 

Video 1: The Goals of Investing

Link: http://www.stockmarketforpinoys.com/learn/goals-of-investing

 

Video 2: Basics of the Stock Market

Link: http://www.stockmarketforpinoys.com/learn/basics-of-the-stock-market/

 

Video 3: Investing Strategies

Link: http://www.stockmarketforpinoys.com/learn/strategies-of-investing/

 

Video 4: Practical Investing

Link: http://www.stockmarketforpinoys.com/learn/practical-investing/

 

Video 5: Taking the Leap

Link: http://www.stockmarketforpinoys.com/learn/taking-the-leap/

 

Bonus Video: Overcoming Barriers to Investing

Link: http://www.stockmarketforpinoys.com/learn/barriers-to-investing/

 

Bonus Stock Market Q&A Session

Link: http://www.stockmarketforpinoys.com/learn/qa-session

 

 

16) May ipon ka ba?

Nakakapag ipon ka ba?

 

The skill of saving money is SO IMPORTANT!

It's the building block to all forms of wealth.

Without savings, you can't invest.

Without savings, you can't start a business.

And even if you manage to borrow money for the business,

if you can't manage that money well, you'll be buried under debt!

 

So if you're someone who has still trouble saving...

I uploaded a short video for you in Youtube.

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=43yHFcoLC5oK2qP&b=AWDoPm1GHH._NiWDppdGVA

 

Link: How to Save Money

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=43yHFcoLC5oK2qP&b=AWDoPm1GHH._NiWDppdGVA

 

17) In the big picture... investing is actually EASY to do.

It just becomes DIFFICULT if you're not yet ready to invest.

 

Link: 7 Things You Need to Have Before Investing

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3wb8I9P8gvHP.qP&b=BIinhRP_BwflJqKBsOI.xQ

 

Do you think you can build a 3rd floor

if you haven't started building the 1st and 2nd floor?

Of course it's going to be tough

because you still don't have a solid foundation.

 

Investing works in the same way.

You first need to have a solid foundation.

If you want investing to be easy for you.

Otherwise, it's going to be difficult, unsustainable and even impossible.

 

 

Link: 7 Things You Need to Have Before Investing

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3wb8I9P8gvHP.qP&b=BIinhRP_BwflJqKBsOI.xQ

 

So you build a good financial foundation

for your current and future investments.

 

18) Money is always being associated

with greed, materialism and other bad stuff.

(Thanks to all the bad, evil and greedy people out there...)

 

But have you ever heard of the term "Holy Money"?

Do you believe that money CAN be holy?

 

Watch the video: Holy Money

 

19) There is a poverty conspiracy going around.

It's the reason why many Filipinos are poor,

while only a few people are able to achieve real wealth...

 

It's been going around for a very long time.

And even the people you love the most, and your closest friends

can actually be spreading this conspiracy.

 

Read all about it here:

"10 Popular Sayings on Money - That You Should NEVER Believe"

http://www.stockmarketforpinoys.com/?p=526

 

Right now, a lot of people are getting "enlightened" with this article.

In the same way, people were probably "awoken" when they read Noli Me Tangere or El Filibusterismo.

But this time, it's about fighting the Pinoy poverty conspiracy.

 

Read all about it here.

"10 Popular Sayings on Money - That You Should NEVER Believe"

 

http://www.stockmarketforpinoys.com/?p=526

 

20) Do you have a crystal clear understanding

on how financial products work?

How they differ? What's their purpose?

How to use them?

 

If it's unclear to you, then you can start learning today!

I created a video about Insurance vs. Investments

(Very basic, very simple, just about 6 mins long)

 

Click here to watch the video:

Insurance o Investment?

http://youtu.be/5ebRIgwy1iI

 

21) Here's a short that can reassure you

of your long-term investing strategy in the stock market:

Video Link: Stock Market Update from the Chairman

http://www.stockmarketforpinoys.com/trc/videoupdates/

 

22) "The Stock Market WON'T Make You Rich"

 

It's kind of k*ll-joy and depressing isn't it?

 

But do I agree with it?

 

Absolutely.

 

>> Click here to learn why.

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=44ldbyLS9YHP.qP&b=nnkSCWAeLd7lrJJEpCas0g

 

In this latest article, you will learn about the proper expectations

you should have as you invest in the stock market.

This way, you can set realistic and achievable goals,

while understanding what else you have to learn

in order to achieve your financial goals.

 

Click the following link to read the article:

 

>> Why the Stock Market Won't Make You Rich (and What To Do About It)

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=44ldbyLS9YHP.qP&b=nnkSCWAeLd7lrJJEpCas0g

 

23) Click the link below to watch the Q&A Videos:

http://pinoymoneyacademy.com/game-of-wealth/bonuses/qa-sessions/

 

Also, the Resource Guide is also ready for download.

 

Click the link below to download the Resource Guide:

http://pinoymoneyacademy.com/game-of-wealth/bonuses/resource-guide/ ‎

 

24) When you shared the stock market with your friends and family,

What kind of reaction did you get?

 

Did they STOP you because it was risky?

Did they ASK you to teach them?

Or did they simply didn't care?

 

" 5 Stock Market Myths

and how to answer/overcome them as well "

 

Youtube Video Link: Top 5 Stock Market Myths

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3zNBmRXR9oHP.qP&b=z5wSRdUOVGQJp4upNmtOdw

 

In this video, you can really help

clarify the misconceptions about the stock market.

 

And in the off-chance that you're still not yet investing...

Then this video can remove some the most common obstacles.

 

Youtube Video Link: Top 5 Stock Market Myths

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3zNBmRXR9oHP.qP&b=z5wSRdUOVGQJp4upNmtOdw

 

25) WARNING!

 

Are you familiar with the social status trap?

This is the (DANGEROUS) belief that by climbing the social ladder,

you are also improving your financial stability.

 

This wrong belief is the reason why many people are poor.

Because they buy things that will only make them FEEL or LOOK rich.

But actually have a negative impact to their wealth.

 

I shot a very quick video about it here:

Youtube Link

 

(This video is just 5 mins long, but the lessons you're learn will last for a lifetime.)

 

26) Last April 2014 was one of the biggest IPO's in the country.

Double Dragon (DD) spiked to 50% gain during its first day

rose further to 135% gain 30 days later,

and by May 14, it had already rose to 263% gains!

Triple digit gains in such a short amount of time!

 

Now, its good that people are making money,

these events can also make a lot of people GREEDY and STUPID.

That's why I felt the need to create this video about IPOs,

so you have a REALISTIC sense of both the benefits and risks of IPOs.

 

Here's the Youtube Link:

 

(Sorry to have to be KJ about all this fast/hot/quick money)

But responsible investing is much more important that emotions.

 

27) Do you think you are financially fit?

 

Actually there is no standard test for that - but these articles

could give you a good idea of where you are already.

 

Here are the links:

 

Test #1: 7 Financial Milestones to Reach Before You Hit 30

(Have you reached these milestones?)

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3weiy5ULWnoK2qP&b=4NormIBMULZF2PL2umrIHA

 

Test #2: 17 Things Yuppies Need to Know to Win the Game of Money

(Can you guess these 17 things?)

 

http://clicks.aweber.com/y/ct/?l=F_7O2&m=3weiy5ULWnoK2qP&b=oZYAFfMAVwcA_9FNesKg5Q

 

28) Let me ask you a quick question - which would you rather have?

a.) 2 FREE Cute Puppies OR

b.) Money enough to pay for 4 years of college in a premier university?

 

Of course B is the obvious choice!

But do you know that a LOT of people choose A?

And they do it over and over and over again as well?

 

This financial error is due to the lack of understanding

of the concept of OPPORTUNITY COST.

Simply put, its the opportunity lost when you decide to buy one thing over another.

 

In this new video, you will learn how seemingly small, and harmless choices,

can actually hold us back from our most important goals in life.

Find out how it happens and how to prevent it by clicking here.

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3u.mvB9MfkHP.qP&b=549docCHJbI80p4p5W26jA

 

Lot's of small but powerful lessons in this video!

 

which would you rather have?

2 FREE Cute Puppies OR Money enough to pay for 4 years of college in a premier university?

 

http://clicks.aweber.com/y/ct/?l=9UM_.&m=3u.mvB9MfkHP.qP&b=l1zBnx1_Mn.TeaPlngu3Mg

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  • 1 year later...
  • 4 months later...
  • 2 weeks later...

My friend has an investible fund now of about P500k, what advice can I give him as to where he can invest it?

 

Would appreciate any advice. Thanks.

 

the best investment is a business. if the cash holder is not keen on a business, get a partner and start one. if still not interested, invest in stocks, but better know what you are getting in to. if still not interested then get a time savings account, if still not interested, get into mutual funds. (mutual funds are prone to mismanagement) make sure you can pull out your investment anytime at market rate. remember you let other people use your money, they profit, they give you pennies. when their chosen vehicles falter, you take all the losses.

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HI guys,

 

I would like to ask what you think is the best investment strategy which is a one time deposit stuff for an amount of about 50K.

 

would it be better for me to go for banks or would it be better for me to go for philam or sunlife?

 

I am also willing to try the high risk types which are supposedly yield higher interest

 

Thanks in advance!

 

no point. try to learn about interest rates po. the more options you have the better you can choose for yourself. when money is working for you, remember to take note of risks. uulitin ko risks. so try to learn the risks of your chosen vehicle of investment. study the process and computations and better yet talk to one of their clients, what did he do and what did he get. experience is the best teacher of all, especially kung experience ng iba, para hindi u na uulitin ang mali ng iba.

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hindi ko alam kung ano ung PRE-NEED (isipin ko na lang insurance yan)

 

Pooled Funds: (MF,UITF,ETF)

 

Mutual fund- yoko nito.

 

UITF - gusto ko ito, lalo na index fund or index based stocks, bakit? namomonitor using PSEI at no holding period at deretso pa sa settlement account mo.

 

ETF(FMETF) - yoko nito, mahina volume, kung magttrade ka nito maganda 100k lang

 

Direct Stocks - trader/investor ako eh

 

Insurance - syempre ang gusto ko ung walang kasamang investment or ung hindi VUL

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Mutual fund is the winner for me, for someone just passively investing. They do minimize excessive trading but for a reason -- to minimize costs that in turn, keeps fees low for the customers.

Mf fees na alam ko:

Entry fee (nireremove dpende kung saan ka kukuha)

Management fee ( kasama na sa navpu)

Exit fee

 

Suggestion: use a broker than investing directly to the company..

 

Example: sunlife mf, use a broker to remove entry fee and to have a control on your portfolio

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