Mutual Funds

[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

<{POST_SNAPBACK}>

 

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?

<{POST_SNAPBACK}>

[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?

<{POST_SNAPBACK}>

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]

CASHFLOW 101 ® WORKSHOP

 

Ready to build your nest egg? What if you can retire in 5 years?

 

Do you want to:

 

* Improve your personal cash management?

* Know the secrets to successful businesses and investments?

* Learn effective negotiation and communication?

* Make the most of your hard-earned savings?

* Gain knowledge on starting your business?

* Understand what RISK really means?

* Be aware of opportunities to increase your current cash flow?

* Realize being able to give more back to the community and society?

 

You might have heard of the CASHFLOW 101® from the book Rich Dad, Poor Dad, the No. 1 bestseller authored by Robert Kiyosaki, who created it to bridge the learnings from his bestseller to our experiences in the real world.

 

CASHFLOW 101® costs around PhP 15,000, and workshops in Southeast Asia are usually priced between $250-$450. It is with great privilege that we are able to let the Philippine public access this powerful educational tool at a very affordable price of only eight hundred pesos (PhP 800)!

 

The next session will be held on January 22, 2006, Sunday, 12:30-5:30pm at the Exportbank Plaza (formerly Urban Bank Plaza), Sen. Gil Puyat (Buendia) corner Chino Roces (Pasong Tamo)., Makati City. Last day for reservation and payment is on January 18. We may also offer special sessions for interested companies and institutions. Do contact me at +63 915-788-2126 or email me at ggbuid@yahoo.com or ggbuid@hotmail.com for inquiries and ticket reservations. Student discounts may apply.

 

This workshop is brought to you by Laurus Enterprises, the official CASHFLOW® group in the Philippines, as certified by Rich Dad's Training ( S.E.A .) Pte Ltd, authorized by Robert Kiyosaki and CASHFLOW Technologies, Inc. (USA) with the *exclusive* rights to conduct Rich Dad activities in Southeast Asia.

 

The Rich Dad mission is one of education and empowerment. It is only through awareness, education and action that people everywhere can take control of their lives and make the choices that will enable them to become financially free. We invite you to this opportunity for everyone to get together to learn and grow.

 

 

 

You may want to pass this information to your family, friends and colleagues who can benefit from this program.

 

 

 

"To elevate the financial well-being and develop the entrepreneurial spirit of the Filipino people"

 

 

 

P.S. RICH DAD ASIA, LIVE IN MANILA! on February 24-26, 2006. For more details, visit Rich Dad, Poor Dad (Asia) or Rich Dad, Poor Dad.

[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.

<{POST_SNAPBACK}>

[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..

<{POST_SNAPBACK}>

[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:

<{POST_SNAPBACK}>

[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.