coldfussion Posted January 6, 2006 Share Posted January 6, 2006 ano ba magandang kunin na trust fund sa BDO kasi iba iba pala yun eh...any advise... Quote Link to comment
financial advisor Posted January 7, 2006 Share Posted January 7, 2006 There are diff funds to choose from depending on your risk profile and investment objective, you can go to http://www.bdo.com.ph/Investment_Business/ or call BDO Call CenterMetro Manila: 631-8000Domestic Toll-Free: 1-800-10-6318000International Toll-Free : (IAC)+800-8-6318000E-mail: callcenter@bdo.com.ph Quote Link to comment
coldfussion Posted January 9, 2006 Share Posted January 9, 2006 mr. advisor if i'm going to ask you what kind of trust fund will you get in bdo?...and why?... Quote Link to comment
xircom Posted January 10, 2006 Share Posted January 10, 2006 Our company has this savings account wherein employees are encouraged to deposit (or ride on). It currently grosses 11% and nets 9% per annum. I have chosen an option of giving a minimum of 5K monthly and letting it stay there for at least 5 years. Do you think this would be a good alternative to investing in mutual funds or should I just proceed with my plans of pursuing mutual funds? What do you think guys? Quote Link to comment
THUG Posted January 10, 2006 Share Posted January 10, 2006 Our company has this savings account wherein employees are encouraged to deposit (or ride on). It currently grosses 11% and nets 9% per annum. I have chosen an option of giving a minimum of 5K monthly and letting it stay there for at least 5 years. Do you think this would be a good alternative to investing in mutual funds or should I just proceed with my plans of pursuing mutual funds? What do you think guys?<{POST_SNAPBACK}> there are a couple of mutual fund/trust fund that nets you over 15% per annum.. ..its a waste of time and money if you put part of your salary in your company deposit which earns only 9% per annum.. equity funds are the best.. (but risky) so learn to know how to trade stocks if you are into equity funds.. and note that there are even individual stocks that appreciates 25% per year.. so 9% is a measly appreciation.. Quote Link to comment
scooby91 Posted January 11, 2006 Share Posted January 11, 2006 I got Philequity when it was doing only P2.0+year on year.. equity funds are inflation defensive...But you also have to have an over-all investment plan (asset allocation).for off-shore funds checkout www.fundsupermart.comits based s'pore (where they claim there's no capital gains tax!) Quote Link to comment
Guest wackeen Posted January 11, 2006 Share Posted January 11, 2006 there are a couple of mutual fund/trust fund that nets you over 15% per annum.. ..its a waste of time and money if you put part of your salary in your company deposit which earns only 9% per annum.. equity funds are the best.. (but risky) so learn to know how to trade stocks if you are into equity funds.. and note that there are even individual stocks that appreciates 25% per year.. so 9% is a measly appreciation..<{POST_SNAPBACK}> well the advantage of the employee thrift plan is that there is a low entry barrier, basically no fees, and easy withdrawals. so it is not quite a waste of time, after all most people keep their savings in regular deposit accounts where they earn nearly 0%. compared to that the company deposit plan is a big step up. Quote Link to comment
financial advisor Posted January 12, 2006 Share Posted January 12, 2006 Our company has this savings account wherein employees are encouraged to deposit (or ride on). It currently grosses 11% and nets 9% per annum. I have chosen an option of giving a minimum of 5K monthly and letting it stay there for at least 5 years. Do you think this would be a good alternative to investing in mutual funds or should I just proceed with my plans of pursuing mutual funds? What do you think guys?<{POST_SNAPBACK}> May I ask what are the fees associated after netting 9% fom 11%?So you are teeling us that the minimum you can invest per month is P5k, correct? What happens of you are no longer connected with the company? Quote Link to comment
financial advisor Posted January 12, 2006 Share Posted January 12, 2006 ..IF(sorry typo) you are no longer connected with the company? Quote Link to comment
financial advisor Posted January 12, 2006 Share Posted January 12, 2006 mr. advisor if i'm going to ask you what kind of trust fund will you get in bdo?...and why?... <{POST_SNAPBACK}> It depends on your risk profile...and how long you intend to "park" your money... The BDO Fixed Income Fund and BDO Bond Funds(Php and $)are suitable for individuals who are risk tolerant and who consider investment time horizons greater than 1 year. The BDO Balanced Fund is suitable for individuals who are risk takers and who understand investments in equity markets... Know what is your investment objective..how much risk can you take( to achieve your deisred returns) and for how long... You can contact BDO Trust 631-9309, 634-7450, 635-0316or BDO Call Center 631-8000or visit any BDO branch, they will be able to assist you personally in determining which fund is suitable for you.. Quote Link to comment
IIVI Posted January 12, 2006 Share Posted January 12, 2006 Isa sa mga considerasyon ninyo sa mutual funds ay iyong mga fees nila. Basahin maige ang prospectus nila lalo na ang mga fees bago mag-invest. May-ibat-ibang klaseng fees tulad ng: Sales Loads (including Sales Charge (Load) on Purchases and Deferred Sales Charge (Load)) Redemption Fee (merong iba na malaki ang ipapatong kung early redemption) Purchase Fee Exchange Fee Account Fee Management Fees (kahit negative ang ipapatong pa rin) Other Expenses Hindi pa kasali ang taxes diyan! Quote Link to comment
financial advisor Posted January 13, 2006 Share Posted January 13, 2006 Isa sa mga considerasyon ninyo sa mutual funds ay iyong mga fees nila. Basahin maige ang prospectus nila lalo na ang mga fees bago mag-invest. May-ibat-ibang klaseng fees tulad ng: Sales Loads (including Sales Charge (Load) on Purchases and Deferred Sales Charge (Load)) Redemption Fee (merong iba na malaki ang ipapatong kung early redemption) Purchase Fee Exchange Fee Account Fee Management Fees (kahit negative ang ipapatong pa rin) Other Expenses Hindi pa kasali ang taxes diyan! <{POST_SNAPBACK}> Proceeds from mutual funds are exempted from the comp*tation of gross income under the COMPREHENSIVE TAX REFORM PACKAGE(CTRP) of 1998..meaning your investment is TAX-FREE. Quote Link to comment
xircom Posted January 13, 2006 Share Posted January 13, 2006 May I ask what are the fees associated after netting 9% fom 11%?So you are teeling us that the minimum you can invest per month is P5k, correct? What happens of you are no longer connected with the company?<{POST_SNAPBACK}> As far as I know, no associated fees when withdrawing. No 5K is not the minimum investment, minimum investment is at least 500 monthly. The 5K per month is my own option. I can also put a lump sum of money (with no monthly contribution). If you're no longer connected with the company then the principal plus your earnings will form part of your separation fee. In addition, no minimum period for your investment. I've known guys who withdrew their money after just 2, 3 months since they need cash at that time. Quote Link to comment
financial advisor Posted January 13, 2006 Share Posted January 13, 2006 As far as I know, no associated fees when withdrawing. No 5K is not the minimum investment, minimum investment is at least 500 monthly. The 5K per month is my own option. I can also put a lump sum of money (with no monthly contribution). If you're no longer connected with the company then the principal plus your earnings will form part of your separation fee. In addition, no minimum period for your investment. I've known guys who withdrew their money after just 2, 3 months since they need cash at that time.<{POST_SNAPBACK}> I see..That's a good deal..for only P500 a month..and no holding period..how about taxes?and do you know who handles and manages the fund and where is it invested?thank you Quote Link to comment
THUG Posted January 13, 2006 Share Posted January 13, 2006 well the advantage of the employee thrift plan is that there is a low entry barrier, basically no fees, and easy withdrawals. so it is not quite a waste of time, after all most people keep their savings in regular deposit accounts where they earn nearly 0%. compared to that the company deposit plan is a big step up.<{POST_SNAPBACK}> why would you want to have easy withdrawal anyways when you are after investment? ATM savings account are for convenience but they do offer any sensible interest earnings.. also, fees are quite small when you consider it for the long term say over 5 years.. which is common in equity funds.. the 3500 peso entry fee for an equity fund for every 100k investment is nothing, when your 100k earns 15k every year.. compare that to the thrift fund that only earns 9k every year.. 15k-9k= 6k! so you actually lost 6k in just a year with that thrift plan.. also.. what are the risk when putting your money in an employee thrift plan? what hapens if the company loses money or close down? those are the things you have to consider.. Quote Link to comment
THUG Posted January 13, 2006 Share Posted January 13, 2006 It depends on your risk profile...and how long you intend to "park" your money... The BDO Fixed Income Fund and BDO Bond Funds(Php and $)are suitable for individuals who are risk tolerant and who consider investment time horizons greater than 1 year. The BDO Balanced Fund is suitable for individuals who are risk takers and who understand investments in equity markets... Know what is your investment objective..how much risk can you take( to achieve your deisred returns) and for how long... You can contact BDO Trust 631-9309, 634-7450, 635-0316or BDO Call Center 631-8000or visit any BDO branch, they will be able to assist you personally in determining which fund is suitable for you..<{POST_SNAPBACK}> I assume BDO Equity trust fund is invested mostly on Henry Sy companies like SM Investments, SM Prime Holdings, SM Development Corporation.. so mostly its real-estate related.. Quote Link to comment
ala_ey Posted January 15, 2006 Share Posted January 15, 2006 Any ideas about PRU managed and bond fund? Quote Link to comment
scooby91 Posted January 15, 2006 Share Posted January 15, 2006 I assume BDO Equity trust fund is invested mostly on Henry Sy companies like SM Investments, SM Prime Holdings, SM Development Corporation.. so mostly its real-estate related..<{POST_SNAPBACK}> check out the "prospectus" or its equivalent... all funds should have this.. its hsould include list of stocks it currnetly holds, list of directors of the fund. etc... Quote Link to comment
financial advisor Posted January 16, 2006 Share Posted January 16, 2006 BDO BALANCED FUND TOP EQUITY HOLDINGS (Top 5)(As of December 31, 2005)-------------------------------------------------------------------------------- Issue -------------------------------------------------------------------------------- Php Price (Dec 29, 2005) -------------------------------------------------------------------------------- % of Portfolio -------------------------------------------------------------------------------- PLDT 1,835.00 14.17% BPI 54.50 6.67% MWC 6.20 6.20% FPH 49.00 6.08% SMPH 7.90 5.79% -------------------------------------------------------------------------------- FIXED-INCOME HOLDINGS (As of December 31, 2005)-------------------------------------------------------------------------------- Issue -------------------------------------------------------------------------------- Yield -------------------------------------------------------------------------------- Maturity -------------------------------------------------------------------------------- % of Portfolio -------------------------------------------------------------------------------- Phil FXTN 7.67% 09/26/06 6.14% Phil FXTN 7.95% 12/16/06 5.86% Phil FXTN 8.74% 10/24/07 2.34% Phil FXTN 5.93% 04/03/06 2.27% Phil FXTN 7.49% 08/09/06 1.87% OR BETTER YET...http://www.bdo.com.ph/uitf_bf.html *** Take note that this is a Balanced Fund which is a combination of BOTH EQUITIES and GOVT SECURITIES Quote Link to comment
wjc-934 Posted January 17, 2006 Share Posted January 17, 2006 mga pre, what can you say about Sun Life Prosperity Balanced Fund? ok ba talga ito? i want to invest my money here Quote Link to comment
radome888 Posted January 19, 2006 Share Posted January 19, 2006 May pwede ba na mag labas ng comparative yield ng mga funds especially yung mga funds ng mga banks, I find it hard to compare kasi ang daming naglalabasan ngayon. Quote Link to comment
coldfussion Posted January 25, 2006 Share Posted January 25, 2006 sino-sino na ba naka pag invest na sa uitf ng BDO?...ano ba maganda kunin dun for starters?... Quote Link to comment
warhead Posted January 26, 2006 Share Posted January 26, 2006 May pwede ba na mag labas ng comparative yield ng mga funds especially yung mga funds ng mga banks, I find it hard to compare kasi ang daming naglalabasan ngayon.<{POST_SNAPBACK}> check out Business Mirror's financial section. Quote Link to comment
George Estregan Lives Posted January 26, 2006 Share Posted January 26, 2006 KOnting promo lang, mga boss. Kung may time kayo, manood kayo sa channel 4 bukas, 6PM. Ita-topic sa program na GSIS Members HOur ang GSIS Mutual Fund (aka, GSIS Kinabukasan Fund). Open itong MF na to sa lahat, although GSIS members can put in as low as P1,000 initial capitalization and P500 for additionals. Non GSIS members can also invest with P5,000 and P1,000 additionals. I think balanced fund to, and last year, nakakuha to ng yield na 14%. Quote Link to comment
joveyb Posted January 28, 2006 Share Posted January 28, 2006 Hi mutual fund experts, I need your advise. I just bought Php 200k worth of BDC fixed income fund. Have I made the right choice? Quote Link to comment
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