Mutual Funds

[financial advisor]

hey mr financial advisor how can i launder money i have lots cumming

from our sources jueteng b4 it was closed but cant keep them from

prying regulators pm me your advice

<{POST_SNAPBACK}>

 

 

sent you PM already.

[financial advisor]

Hi financial adviser,

 

Last year the equity market is really doing well in the Philippines but this year it is kind of just maintaining.  I notice that equity market is really doing well in the asian market.  Could you give

me some advice on what equity market will perform well

 

thanks

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JAPAN has good prospect or outlook for next year. China and Philippines also.

[scooby91]

not sure if this OT.. but anyone here familiar with options, futures, or forex trading?

[saturn]

I was wondering if anybody here invests in UITF?  Currently I'm looking at Banco de Oro's UITF, Sunlife  and Philam Mutual funds.  The BDO Peso Bond UITF only started this april and has earned 9%, annualized that's 18%.  Sunlife's Peso Bond only earned 8% last year (this year ba ano yield nila), which is why I'm thinking of investing in BDO, even if they have a yearly trust fee it would still give better returns as they have better performance.

<{POST_SNAPBACK}>

Base on data derived from icap.com, for risk sensitive individual I suggest you invest in an uitf for 1 year in Sunlife prosperity bond fund. Sunlife has a proven track record in the world not only in the Philippines.

[THUG]

both are equity funds.....i don't think it is called a BPI Index fund.....they have a name for it....maybe am wrong

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its Philippine Index Fund.. not BPI Index Fund, though it is owned by www.bpitrade.com

 

.. it is based on an index.. index funds are select stocks but are not actively managed by a fund manager.. thus you pay lower fees..

[THUG]

20% a month? maybe 20% a year....if a month yan stay away from it...pangloloko yan

I have invested in 3 types na funds:

 

one sa Bond Fund (this earned me about 8%+/yr...time deposit is about 6%(less 20% with holding tax)

 

one sa Mixed(Bond and Equity) (this earned me about 23%/year) the return is base on before the gloriagate scandal

 

the last one sa equity: (b4 the scandal i was earning about 28%/year)....

 

have never checked how much i have loss so far pero am pretty sure i am still ahead.

 

Analyst was expecting a bull run sana this year....but the opposition derailed it.....am hoping that we could recover from all this scandal so i can recover may paper loss.....

 

Philequity is a good fund it exactly follows the movement of the PHISIX.....it might be a good time to invest in one right now

 

other fund managers: sunlife, Philam...both of this have dollar deonminated bonds too....my dollar bonds earned me about 5% tax free for last year.....time deposit should be around 2% (less 7.5% with holding tax)

One more thing: If you decide to put your money in a mutual fund make sure your horizon is on the long term basis......specially if you invest in an equity mutual fund.....and if you are investing in an equity na fund....make sure you are ready to lose that money

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merong 20% a month na fund..yung funds ng mga bumbay.. 5/6.. 5/6 is 20% a month....

[bRIX]

i'm looking where to invest my 200k... it's extra money that i'm not planning to spend for a long time. i'm deciding if i should put it to another mutual fund or a UITF. any idea?

[magnus]

why don't you try sa stock market? anyway i'm kinda in the same situation as you are. if merong nagbigay ng advice i PM mo rin sa akin ha?

 

thanks

 

i'm looking where to invest my 200k... it's extra money that i'm not planning to spend for a long time. i'm deciding if i should put it to another mutual fund or a UITF. any idea?

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[saturn]

i'm looking where to invest my 200k... it's extra money that i'm not planning to spend for a long time. i'm deciding if i should put it to another mutual fund or a UITF. any idea?

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It is better to have fund managers manage your 200k. Your money will be pooled together with other investors. You don't have to keep track of your investment every day. I suggest you go to a rep*table fund manager from Sunlife, Philamlife or Banco de oro. They offer different kinds of placements base on your risk appetite. In my experience, The bond fund always outperforms the yields or interest that an ordinary investor puts in a time deposite or money market.

[Guest fhoryou]

Going to Mutual Funds is risky. You don't have control over your investment. It takes a long time to get your ROI.

 

Magnus is right Stock Market is much better. I rather risk investing in stock market.

 

In a month you can double your money. Just think how Bill Gates became a Billionaire after releasing Windows 98. It was that time he was buying stocks when the stock trend was going down, meaning everyone was selling. That time Bill Gates was buying, buying companies like Apple, Hotmail and other companies.

 

At the end of the year 2001 Bill Gates was a Billionaire.

 

That is why we have a workshop that teaches you to get into investment without any capital.

[Guest fhoryou]

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[aportonista]

excuse me guys. im a bit ignorant but interested in your topic. got a few question here..

 

what is mutul fund. how does it work?

UITF? how does it work?

investing in stock market? how?

 

help?

[Guest wackeen]

excuse me guys. im a bit ignorant but interested in your topic. got a few question here..

 

what is mutul fund. how does it work?

UITF? how does it work?

investing in stock market? how?

 

help?

<{POST_SNAPBACK}>

 

ang hirap ng tanong mo, pero subukan natin.

 

imagine na bibili ka ng isang square meter ng lupa. yun ay parang isang share in one company. you buy it for a certain price and you can choose to sell it later kung tataas ang value. of course, puede din bumaba ang value. the share represents a bit of ownership of the company kaya you as a shareholder will get a share of the profits of the company. yun ang dividend. so basically kikita ka sa stocks by buying low and then selling high, plus by getting annual dividends (pero maliit lang yun).

 

the problem with stocks is that you follow the fortune of a single company, in a single industry. that's why investors are advised to diversify and buy from several companies/industries para pag nagka-crisis in one company hindi madadamay lahat ng pera mo. pero to put your money in several stocks, dapat marami kang pera. plus yung mga brokers wont let you buy just one share (just like you cant buy one square meter of land).

 

mutual funds and UITF's basically sell 'units' of their funds. parang shares din yun except that the money they pool doesnt go into financing the operations of a company, what they do is take the pooled (therefore large) amount of money and act as one investor. sila na ang magda-diversify para sa iyo at magreresearch kung saan maganda ilagay ang pera. obviously aside from good results kailangan tiwala ka na talagang iniinvest nila ang pera mo sa stock market or in government treasuries at di ginagamit sa pyramiding, pautang sa casino, drugs or smuggling, etc.

 

ewan ko kung nakatulong iyan. dagdagan na lang nung iba.

[magnus]

as of sa mutual funds, regulated yan ng SEC. so me rules kung saan pwede at di pwede ma invest ang fund. so medyo tiwala ka na sa humahawak ng pera. i guess magkakatalo nalang kung sino mas magaling mag manage ng pera at investments at sa risk tolerance kaya some mutual funds are higher yielding than others.

 

now anybody could explain in simple terms ano difference ng Mutual fund at UITF? i'm into mutual fund already. meron akong nakiting FAQ about UITF pero sumasakit ulo ko sa kakabasa di ko pa maintindihan ano essensially difference sa mutual fund.

 

ang hirap ng tanong mo, pero subukan natin.

 

mutual funds and UITF's basically sell 'units' of their funds. parang shares din yun except that the money they pool doesnt go into financing the operations of a company, what they do is take the pooled (therefore large) amount of money and act as one investor. sila na ang magda-diversify para sa iyo at magreresearch kung saan maganda ilagay ang pera. obviously aside from good results kailangan tiwala ka na talagang iniinvest nila ang pera mo sa stock market or in government treasuries at di ginagamit sa pyramiding, pautang sa casino, drugs or smuggling, etc.

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[saturn]

as of sa mutual funds, regulated yan ng SEC. so me rules kung saan pwede at di pwede ma invest ang fund. so medyo tiwala ka na sa humahawak ng pera. i guess magkakatalo nalang kung sino mas magaling mag manage ng pera at investments at sa risk tolerance kaya some mutual funds are higher yielding than others.

 

now anybody could explain in simple terms ano difference ng Mutual fund at UITF? i'm into mutual fund already. meron akong nakiting FAQ about UITF pero sumasakit ulo ko sa kakabasa di ko pa maintindihan ano essensially difference sa mutual fund.

<{POST_SNAPBACK}>

UITF (Unit investment trust fund) is actually a mutual fund. UITF is a new term in which the net asset value per unit is computed as mark to market, meaning that the net asset value is actually what it is worth on a particular day, so the navpu changes in accordance to a gain or a loss of a particular fund on a daily basis. I believe that the Central bank have informed all investment houses and banks to shift to a mark to market valuation and have set a deadline on September of 2006.

[taklesa]

do you know which banks sells philippine index fund, at kung magkano ang minimum? is it Php denominated ba?is there a maximum?

 

Sorry sa dami ng tanong ha, bago lang ako sa pag-invest sa pinas.

 

its Philippine Index Fund.. not BPI Index Fund, though it is owned by www.bpitrade.com

 

.. it is based on an index.. index funds are select stocks but are not actively managed by a fund manager.. thus you pay lower fees..

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[Ryuji23]

I really want to invest this year but my only concern is wala akong kakilalang broker :cry: of CFA :mtc:

[magnus]

try mo BPI Trade... hanapin mo lang sa internet good luck!

 

I really want to invest this year but my only concern is wala akong kakilalang broker  :cry: of CFA  :mtc:

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[Guest fhoryou]

A simple explaination of mutual funds and stock market.

 

Stock market is what we call paper assets. I'll explain that later.

 

I haven't been to stocks yet but I have someone helping me with this and reading a lot about it.

 

Here is the explanation:

 

Imagine mutual funds just like "paluwagan" and openning an account in a bank. Just imagine you deposit an amount of money like Php 10,000. Then you get an interest rate according to the trend of the market just like you get an interest for your money deposited in a bank. The difference with a bank and mutual funds is that it follows the market trend. If the trend is good or going up then you get that 10% for each month, or depending on the deal, then you get that total interest at the end of the year where you can pull out your money with interest, just like withdrawing. Example the trend is good and at the end of the year your Php 10,000 is Php11,595.

 

The risky part here is that if the trend is going down you lose some of this money or you lose it. That is why you don't have control over your mutual funds.

 

 

The stock market is very much the same as the mutual fund, you invest money in a company. Just like making a depost.

The good thing here is you have a control but there are risk. The risk becomes less when you know how to read and deal with trends.

If the trend is good your money may double or triple and then you get the money if your money when double by selling it. Its just making a withdrawal once you see your money double or tripled in value. If the trend is bad you also loose money but the good thing here is that you can take over when things go bad unlike mutual fund you have no control until it reaches a year.

 

How to take control? There is no definite way how to take control. The concern here is how to read trends. If the trend is turning bad then you make a stop at a certain point so you won't loose money and can even have a chance to sell it out at bit higher price.

 

Lets say you invest Php10,000 in a stock then it goes up after 2 weeks lets say it became Php12,000. You have a choice to let it grow or get the money. If you let it grow then it can go to Php 24,000 but if it is going down then you can make a stop at Php12,500 so at least you get Php500 extra or profit.

 

I hope this give you an idea. There is more than one way to get away. If you know how to read and make deals and its always a win win in stock market. So even the trend is going down you can win and get away with a profit. You can sell, buy, stop and other stuff.

[Guest fhoryou]

A tip.

 

If you want to invest try seek companys listed in DTI then research on them.

 

Look at their background, see if this company survives even the market is bad.

 

Its also be best you try your hand in small companies first. If this company is been there for 3 years or 5 years and not loosing to much in stocks and get back on track then it could be a good investment.

 

The best way to go to stocks is you get into building your business first then you understand the trend then when you understand the trend go to real estate and understand another trend. Then that is where you hit the stock market. Its much easier to understand the trend and understand the company trend.

[strutbar]

A tip.

 

If you want to invest try seek companys listed in DTI then research on them.

 

Look at their background, see if this company survives even the market is bad.

 

Its also be best you try your hand in small companies first. If this company is been there for 3 years or 5 years and not loosing to much in stocks and get back on track then it could be a good investment.

 

The best way to go to stocks is you get into building your business first then you understand the trend then when you understand the trend go to real estate and understand another trend. Then that is where you hit the stock  market. Its much easier to understand the trend and understand the company trend.

<{POST_SNAPBACK}>

 

 

bossing,

what if may nakita na akong prospect na company to invest with?

whats next?

 

do i need a broker?

paano po ang servcie fee nila?

 

thanks

[financial advisor]

FOR DAILY UPDATES OF NAV or PERFORMANCE of all the mutual fund in the phil..

 

www.pse.org.ph, at the left portion go to mutual funds

 

http://www.yehey.com/finance/default.aspx, click on mutual funds somewhere in the middle part

 

www.icap.com.ph, go to facts and figures

 

 

FOR UITF info, you can visit

 

http://www.pinoyexchange.com/forums/showthread.php?t=239600

[Guest fhoryou]

bossing,

what if may nakita na akong prospect na company to invest with?

whats next?

 

do i need a broker?

paano po ang servcie fee nila?

 

thanks

<{POST_SNAPBACK}>

 

 

There is a lot of things to do.

Investigate and research more.

 

If you are really into this try going to seminars and workshops for stock markets.

 

We do have a workshop that is called CashFlow 101. This for January 22 and in February we have an international workshop of the same thing for 3 days.

 

This workshop is design to help you understand of the incomes taught in Rich Dad Poor Dad, by Robert Kiyosaki, and his other books. You can check this out in http://www.richdad.com, our website is http://www.richdadasia.com.

 

Here you will understand the deals and how stock market works. This January 22 is only a one day event. If you want details you can email me at ggbuid@hotmail.com or ggbuid@yahoo.com.

 

I also suggets other books like E-Myth, The Next Millionaire and Habits of 7 hightly effective people. You can all find these books in any bookstore; actually national bookstore, powerbooks and fully booked.

[magnus]

or try things out and learn!

[m8kufilgud]

2005(Jan-Dec) Philam Funds Performance

(Fund, NAV, YTD)

Bond 2.2724 12.28%

Balanced 5.6803 14.78%

Equity 203.18 15.19%

Dollar Bond 1.3334 9.69%