kakashisensei

One piece of advise, never never never go into something that you don't fully understand what you are going in to. Stock investing needs some time learning, so better start learning now if you want to invest in stocks.

One broker that offers online transactions is Citiseconline. I've attended one of their seminars. You'll need at least 25,000 to start.

Ang rule of thumb lang nung isang financial advisor - you invest in stock market with something you can live without. To make it short, you're ready to loose your investment at any time without you going berserk.

Why not go with Equity Fund via Mutual Funds? It's actually the same, diversified pa. Where can you start investing P5,000 where you can have a piece of PLDT, Ayala, BPI, SM etc. You can't do that in stocks but only in MF.

As would any financial adviser would say, if you got 200k in your hand. I'd suggest you put it in at least 2 baskets - one would be mutual funds, bank and maybe VUL.

Mutual funds - for growth over time

Bank - for emergency purposes

VUL - for protection and growth over time

Hi there. I'm actually a Mutual Fund Representative from Sunlife -

RE: question kung di ba matatalo ang 5k mo, straight answer is pwede. Altho the chances are very small. With mutual funds kc, for example equity fund. The fund is invested in companies composing or around 10 companies or more like PLDT, Ayala, SM, BPI, Metrobank etc.

For you to loose 100% of your investment, it will only mean that all of these companies have closed down which is very unlikely, maliban na lang in cases of war or armageddon.

Re: is it risky to invest in mutual funds? Answer is depends on your risk appetite. There are less risky mutual funds like Bond Funds where your money is invested in the Republic of the Philippines. Bale utang ng RP un, and will always have the capability to pay, not unless RP declares bankruptcy. Downside lang is, xempre lower potential income but definitely higher than banks. With risk kc, always follow the rule - ' the higher the risk, the higher the potential earnings'. Always ask, are you after the growth of your money - go for equity funds. After the security of your money - go for bond funds or money market funds.

Re: magkano ba ang kita sa mutual funds? Answer is, there is no guaranteed interest unlike banks. Naka dependent kasi xa sa market. As with Sun Life, equity funds performance in the last 5 years is around 93%, balance funds - 74%, bond funds - 35%. Definitely better than banks kung natutulog lang din money mo.

Should you have other questions, I'm very much willing to answer.