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


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#1 Talley

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Posted 29 August 2006 - 10:28 AM

If you are confused about which investment instrument is right for you, consider attending the First Financial Planning Expo this weekend at the S.M. MegaTrade Hall. It will be from September 1 to 3 and all industries will be represented.

For those who are interested about learning how to choose between stocks, mutual funds, UITF's and pre-need plans, consider attending my talk on personal financial planning on September 2 from 1030 a.m. to 1230 p.m. It will be entitled Financial Planning for Non-Financial People and I will be explaining how all of those investment instruments work as well as what the inherent risks of each instrument are. Lastly, I will be showing how you can select which instrument is right for you.

There is a 20 peso fee to enter the Expo though the talk itself will be for free and open to everyone.

Hope to see you people there.

Carpe Noctem.

#2 miggs101

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Posted 29 August 2006 - 11:26 AM

Can you save 5% of your annual income, im into investments, if you are intested pm me or txt me at 09166402972, dont let your money be stuck in banks if you want to beat up inflation rate, invest your money in different ways and save for your future and the future of your love ones

#3 gzorros

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Posted 16 September 2006 - 02:08 PM

Stock pa rin - for newbie, passive, long-term investor buy the major blue chips specially Meralco, San Mig, PLDT etc. Buy a couple of shares from time to time (average over a period of months/years).

For tsupitero - well that would be another story.

#4 Dr_PepPeR

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Posted 17 September 2006 - 01:08 AM

Can you save 5% of your annual income, im into investments, if you are intested pm me or txt me at 09166402972, dont let your money be stuck in banks if you want to beat up inflation rate, invest your money in different ways and save for your future and the future of your love ones


Please post what you are offering here.

Stock pa rin - for newbie, passive, long-term investor buy the major blue chips specially Meralco, San Mig, PLDT etc. Buy a couple of shares from time to time (average over a period of months/years).

For tsupitero - well that would be another story.


Would not recommend stocks for a newbie. A couple of shares? You will have to go through a broker and they will definitely not accept your account for a couple of shares. That kind of strategy is very long term and should only be done if you will not need the return for a very long time, as in you are doing this for your children or grandchildren.

Edited by Dr_PepPeR, 17 September 2006 - 01:21 AM.


#5 mrsharpeye

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Posted 03 October 2006 - 08:27 PM

There's more into stocks. Beside, you really have to have a big capital to buy shares for the so-called blue chips. But, stocks is diffenitely worth to invest in. :D

#6 pogi1119

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Posted 28 November 2006 - 11:21 PM

nterest rates are presently at an all time low. This means Money Market and Bonds UITFs may be steadily slow going up even if they are Mark to Market

Thus you may want to consider Mixed Funds UITF's. 50-50 up to 70-30 mix of Fixed Income and Blue Chips Stocks, depending on the bank. IF you have been monitoring the stock market, particularly the index (which is affected by the Blue Chips) then you will be quite comfortable with this. If you are not the stock market type or have limited knowledge, suggest you first ask people who do.

The reward potential is great here but you must also know how to manage your risk: Meaning knowing when to come in, how long to stay, when to get out, and how long to wait before going in. This is kinda like playing stocks but on a very general level as you are consdiering the average of the Blue Chips and lest you forget, the the Fixed Income funds which actually comprise the majority of the said Balanced Funds.

Lastly considering the PSE Index's "very interesting" movements for the past weeks, you may want to consider investing in the Index Funds, which only a few banks offer. Here you are considering the index fund's movements ONLY.

#7 yehoshua

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Posted 29 November 2006 - 01:33 AM

Hi im planning to invest all my earnings next year... and i need advice on what to invest and when to invest.
My first idea is to buy government fund but if you can give me some good ideas on where to invest,that would be great.

I hope while im studying here in the philippines,im also earning big cash at the same time...

Dr.Pepper you seem to know everything about investment.. Can you help me sir.. I wanna be successfull jst like you :)

:mtc: :mtc: :mtc:


#8 Dr_PepPeR

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Posted 30 November 2006 - 05:02 PM

Hi im planning to invest all my earnings next year... and i need advice on what to invest and when to invest.
My first idea is to buy government fund but if you can give me some good ideas on where to invest,that would be great.

I hope while im studying here in the philippines,im also earning big cash at the same time...

Dr.Pepper you seem to know everything about investment.. Can you help me sir.. I wanna be successfull jst like you :)

:mtc: :mtc: :mtc:


First you will have to determine your objective. Is it to save up for a big purchase, for retirement, for high income etc. What is your time horizon? What is your risk appetite? How familiar are you with the investment instruments available to you?

#9 yehoshua

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Posted 01 December 2006 - 02:40 PM

[quote name='Dr_PepPeR' date='Nov 30 2006, 05:07 PM' post='3936047']

First you will have to determine your objective. Is it to save up for a big purchase, for retirement, for high income etc. What is your time horizon? What is your risk appetite? How familiar are you with the investment instruments available to you?
/quote]

My goal is to have high income,i hope i can achieve this in a year...i prefer those with minimum risk.
Im not that familiar with any type of investment..maybe some good advice might help

Thanx Dr. Pepper :thumbsupsmiley:


#10 preacher

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Posted 06 December 2006 - 03:30 PM

Doc pep, I'm interested in these types of investments as well. I'm looking to have something between a high income to long term investment for retirement. I'm not familiar at all with any financial investment instruments what so ever and I also have a moderate risk tolerance. Hope you can help me out. you got pm btw. :P thanks!

#11 Dr_PepPeR

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Posted 07 December 2006 - 10:56 AM

Doc pep, I'm interested in these types of investments as well. I'm looking to have something between a high income to long term investment for retirement. I'm not familiar at all with any financial investment instruments what so ever and I also have a moderate risk tolerance. Hope you can help me out. you got pm btw. :P thanks!


Would be glad to help you sir, I'll see you today at 11:30am.

#12 preacher

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Posted 08 December 2006 - 07:59 AM

Would be glad to help you sir, I'll see you today at 11:30am.


It was a pleasure to meet you doc! thanks for enlightening me with regards to uitf's and it's mechanics.
I'll probably take your advice and put it away for a couple of months first.

#13 Dr_PepPeR

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Posted 09 December 2006 - 01:09 AM

It was a pleasure to meet you doc! thanks for enlightening me with regards to uitf's and it's mechanics.
I'll probably take your advice and put it away for a couple of months first.


And it was likewise my pleasure to meet a gentleman such as you sir. Unfortunately interest rates are at an all time low these days so keep your placements short, most likely until the first quarter of next year. If something happens on the political front soon, then all bets are off.

#14 hard_core

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Posted 25 December 2006 - 05:58 PM

very intersting group.
ill drop by to see what's new and hope to be part of your group...

happy holidays

#15 qrich_23

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Posted 14 February 2007 - 09:16 PM

any new developments hir? try unit linked investments from PRULIFE UK..dey r d 1st insurance company 2 offer variable life contract hir in the phils. backed by the fund managers from singapore. PM me for more details.

#16 loafer

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Posted 28 May 2007 - 02:20 PM

Best investment right now is the stock market.

#17 jerzz

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Posted 28 May 2007 - 03:33 PM

If you are confused about which investment instrument is right for you, consider attending the First Financial Planning Expo this weekend at the S.M. MegaTrade Hall. It will be from September 1 to 3 and all industries will be represented.


Hello Talley:

Masyado pa itong matagal, paki text na lang ako pag malapit na.

I don't want to miss this.

See you all hopefully


#18 VentureMaker

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Posted 04 June 2007 - 10:50 PM

It depends on your investment's time horizon and your appetite for risk. Stock are more volatile but have great growth potential.

#19 wek1012

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Posted 07 June 2007 - 12:13 AM

can someone enlighten me about fees of uitf vs mutual funds. medyo nalilito lng ako. is sales load of mutual funds a one time thing or charged even when you make additional investment. also are they taxable? which is better investment assuming uitf A and mutual B will give a similar YTD return .

#20 Dr_PepPeR

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Posted 30 July 2007 - 12:31 PM

can someone enlighten me about fees of uitf vs mutual funds. medyo nalilito lng ako. is sales load of mutual funds a one time thing or charged even when you make additional investment. also are they taxable? which is better investment assuming uitf A and mutual B will give a similar YTD return .


I'm not quite sure how often the sales loads of mutual funds are charged, I would say it would depend on the mutual fund. Most of the MFs I know charge it only on the initial investment. UITFs do not charge sales load if they are banks, since they rely on their branch network and their own advertising budget for the sales cost. Most funds whether an MF or UITF pay the final withholding tax on their investments so the income realized should be net of taxes. I will inhibit myself from discussing which is the better investment since I was the one who started a UITF thread.




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