Mutual Funds

[magnus]

^ ingat ka lang pagpunta mo sa investment companies kasi baka ma convince ka nila agad maglagay ng pera. not that pangit product nila or malulugi ka, its just you being able to make the proper decision with your own free will and without pressure (redundant na ata)

 

^^ anyway simple concept ng mutual fund, kung mag invest kasi ito ang problema:

 

1. common tao is not knowledgable how to invest in stocks, etc and how to paly the money to make it earn

2. common tao do not have much money for minimun investment (bonds for example requires 100K and tbills 10K and to buy PLDT stock you need at least 32K - last time i check)

3. you are not sure if they guy you entrust your money is reliable.

 

mutual fund solve these problems by:

 

1. a competent fund manager will handle the money. they know how to invest in stocks, bonds etc and they do research about market conditions

2. many of people will contribute/pool their money

3. mutual funds are heavily regulated by SEC. meaning there are guidelines where a fund manager can put the money so that it will be 'safe'. for example a fund manager cannot put the money in extremely speculative stock

 

hope that helps

[joss]

Meron na ba magandang phisix index fund ?

[Dr_PepPeR]

i think the difference between mutual funds and uitf is the intitution thats managing the funds..

mutual funds are a good place to start with... since you can place to as small as 5k.. and you can monitor daily performance through icap.com.ph. but if your into mutual funds usually your into long term, and when your into long term... make sure you know your risk appetite..

 

These are the differences between UITFs and Mutual Funds:

 

1. Prerequisites to issuance of authority to sell.

 

Mutual Fund - Registration under Investment Company Act (ICA) of 1960; Registration of shares to be sold to the public as required by the Revised Securities Act; Filing of a Registration Statement & Prospectus of the Fund.

 

UITF - Only institutions authorized to engage in trust business are allowed to operate a UITF; UITF operate under a written Declaration of Trust approved by the board of directors of the trustee and a copy submitted to BSP.

 

2. Supervisory/ Regulatory Agency.

 

Mutual Fund - Securities and Exchange Commission (SEC)

 

UITF - Bangko Sentral ng Pilipinas (BSP)

 

3. Participants in the Fund.

 

Mutual Fund - Stockholder with rights and obligations as provided in the Corporation Code

 

UITF - Trustor whose rights and obligations are defined in the Trust Agreement.

 

4. Documents Issued.

 

Mutual Fund - Depository Receipt for Payments/ Stock Certificates.

 

UITF - Written Trust Agreements / Certificate of Participation

 

5. Handling of Operations/ Management of the Funds.

 

Mutual Fund - Independent Fund Manager as required by SEC.

 

UITF - Trust Department of banks and other authorized Non-Bank Financial Institutions.

 

6. Purchase Price

 

Mutual Fund - Based on Net Asset Value Per Share (NAVPS) at time of subscription.

 

UITF - Determined by a formal method of participation valuation established in the DOT of the UITF.

 

7. Withdrawability.

 

Mutual Fund - Shares in the mutual fund are redeemable anytime; Although redemption is available at anytime, the mutual fund has up to 7 banking days to make payment on redemptions.

 

UITF - Terms of withdrawal provided in the trust agreement. Banks may pay within 1, 2 up to 7 days or more after notice of redemption.

 

8. Fees.

 

Mutual Fund - management fee ranging from 0.5% to 2% p.a; Sales charge ranging from 0 to 5%

 

UITF - Trust Fees – 0.5% to 1.5% plus Other Expenses

[Alex_Corvis]

Meron na ba magandang phisix index fund ?

 

Right now I only know 2 offering Phisix index fund

 

and IUTF at BPI and Philequity index fund

[extreme1]

Guys if you would just know how ForEx trading is done and the potential income from it.

you will realize that it is much better than stock trading and buying mutual funds.

 

 

Although forex is the largest financial market in the world, it is relatively unfamiliar terrain to retail traders and investors.

Until the popularization of internet trading a few years ago, FX was primarily the domain of large financial institutions,

multinational corporations and secretive hedge funds. But times have changed, and individual investors are hungry for information on this fascinating market.

 

 

For questions and queries about online ForEx trading just pm me or contact me at 09** *** ****

 

 

Public posting of contact numbers on the board is not allowed. Please refer to the Posting Primer for your guidance. Thank you. - DarkAngel

 

 

Sincerely

Victor Garcia

 

Performance Foreign Exchange Corporation (eforex-asia.com)

The Enterprise Center, Tower 2, Mezzanine

6766 Ayala Ave., cor. Paseo de Roxas, Makati City

Edited February 4, 2008 by DarkAngel

[Guest lustfortravel]

Meron na ba magandang phisix index fund ?

 

 

Right now I only know 2 offering Phisix index fund

 

and IUTF at BPI and Philequity index fund

 

my take on this - the equity funds where the portfolio managers are the ones who decide on the mix would most probably do better since their goal is normally to beat the index. you must remember that funds that track the index only mirror exactly the ratio invested in the companies that comprise the phisix. it's a no-brainer. the equity funds that perform best are the ones with the fund managers who are able to show their wisdom and experience in choosing the mix of stocks to invest in, to be able to maximize returns.

Edited January 14, 2008 by lustfortravel

[joss]

my take on this - the equity funds where the portfolio managers are the ones who decide on the mix would most probably do better since their goal is normally to beat the index. you must remember that funds that track the index only mirror exactly the ratio invested in the companies that comprise the phisix. it's a no-brainer. the equity funds that perform best are the ones with the fund managers who are able to show their wisdom and experience in choosing the mix of stocks to invest in, to be able to maximize returns.

maganda kasi pag index dapat mura ang management fee kasi pwede di na mag trade abangan na lang ang health ng market , mababawasan ng malaki yung management fee, atsaka based sa mga data di naman malayo yung perf ng index fund compared sa karamihan ng mutual funds. No brainer talaga kasi kung gagamitin mo brain mo di mo talaga malalaman ang mangyayari bukas hehehe diyos lang ang nakaka alam kung ano mangyayari bukas kaya yung mga fund manager na magagaling na sinasabi ninyo wala yan . No choice lang talaga kaya kailan ko mag invest sa mutual fund kasi yan ang uso ngayon hahaha. Fund manager cmon , dapat nga pag nagkamali sila dapat bayad din sila para masaya.

 

pansin ko lang maliit ang pse kaya karamihan ng stocks na hawak ng fund manager ay phisix .

[Guest lustfortravel]

maganda kasi pag index dapat mura ang management fee kasi pwede di na mag trade abangan na lang ang health ng market , mababawasan ng malaki yung management fee, atsaka based sa mga data di naman malayo yung perf ng index fund compared sa karamihan ng mutual funds. No brainer talaga kasi kung gagamitin mo brain mo di mo talaga malalaman ang mangyayari bukas hehehe diyos lang ang nakaka alam kung ano mangyayari bukas kaya yung mga fund manager na magagaling na sinasabi ninyo wala yan . No choice lang talaga kaya kailan ko mag invest sa mutual fund kasi yan ang uso ngayon hahaha. Fund manager cmon , dapat nga pag nagkamali sila dapat bayad din sila para masaya.

 

pansin ko lang maliit ang pse kaya karamihan ng stocks na hawak ng fund manager ay phisix .

 

 

you don't have to invest in mutual funds kasi "uso" sya. you have to fully understand the product before you can invest in it.

 

just my two cents as an investor . i think dr. pepper would be the expert on this subject. would you care to comment, sir?

Edited January 19, 2008 by lustfortravel

[joss]

1997 ako nagsimula mag invest sa mutual fund , 4 months bago yung asian financial crisis . Palagay ko di pa uso ang mutual fund sa pinas nung panahon na yun, pero dapat in tayo sa financial hehehe kaya dapat tayo mag invest , jan ka matututo . mapapansin mo puro whats up ang nasa isip mo hehehe

[Dr_PepPeR]

you don't have to invest in mutual funds kasi "uso" sya. you have to fully understand the product before you can invest in it.

 

just my two cents as an investor . i think dr. pepper would be the expert on this subject. would you care to comment, sir?

 

I am hardly an expert sir but there is a wide array of Mutual Funds and UITFs out there, In an environment where fixed income rates are very low, there may be potential gains for short term trading of bonds and stocks, which is essentially what a good fund manager is supposed to do. So if you consider that an index fund simply mirrors the performance of an index, then you will never get better returns that what the general market does. So in my view, get a fund where the fund manager is more or less active in taking trading positions. The potential for better returns are there, of course together with the attendant risks.

[boy popoy]

anyone have any recommendations on equity funds with good track records?

[yan7181]

how will the recent crash of the stock market affect mutual funds or UITF?thanks.

[joss]

how will the recent crash of the stock market affect mutual funds or UITF?thanks.

may binili ako mf ang navs niya 1.03 after 2 months ,nung nag asian crisis ng 1997, naging 0.6 na lang ang navs. Yung nangyayari ngayon wala pa yan, wala pa nga nag su suicide hehehe.

[Google]

how will the recent crash of the stock market affect mutual funds or UITF?thanks.

 

 

probably i can relate on this in terms of mixed equity - conservative bond market.

i got one from BDO pero minimal investment lang. diversed kasi ang investment ko.

last december 12, the nav is 2,477.31/unit.

ngayon 2,101.16 na lang per unit. somehow, it peaked last december 27, 2007 with a value of 2,511.23/unit but since January 8, 2008, it started to slide down. this is the effect of the stock market crash related to the US economy.

 

but for conservative funds which are invested in philippine government securities, although minimal ang increase, hindi na fluctuating.

from december 11, 2007, i got it from BDO at 1,193.97 per unit. now its around 1,201.00 per unit.

 

how will the recent crash of the stock market affect mutual funds or UITF?thanks.

 

 

probably i can relate on this in terms of mixed equity - conservative bond market.

i got one from BDO pero minimal investment lang. diversed kasi ang investment ko.

last december 12, the nav is 2,477.31/unit.

ngayon 2,101.16 na lang per unit. somehow, it peaked last december 27, 2007 with a value of 2,511.23/unit but since January 8, 2008, it started to slide down. this is the effect of the stock market crash related to the US economy.

 

but for conservative funds which are invested in philippine government securities, although minimal ang increase, hindi na fluctuating.

from december 11, 2007, i got it from BDO at 1,193.97 per unit. now its around 1,201.00 per unit.

[joveyb]

probably i can relate on this in terms of mixed equity - conservative bond market.

i got one from BDO pero minimal investment lang. diversed kasi ang investment ko.

last december 12, the nav is 2,477.31/unit.

ngayon 2,101.16 na lang per unit. somehow, it peaked last december 27, 2007 with a value of 2,511.23/unit but since January 8, 2008, it started to slide down. this is the effect of the stock market crash related to the US economy.

 

but for conservative funds which are invested in philippine government securities, although minimal ang increase, hindi na fluctuating.

from december 11, 2007, i got it from BDO at 1,193.97 per unit. now its around 1,201.00 per unit.

 

 

 

 

probably i can relate on this in terms of mixed equity - conservative bond market.

i got one from BDO pero minimal investment lang. diversed kasi ang investment ko.

last december 12, the nav is 2,477.31/unit.

ngayon 2,101.16 na lang per unit. somehow, it peaked last december 27, 2007 with a value of 2,511.23/unit but since January 8, 2008, it started to slide down. this is the effect of the stock market crash related to the US economy.

 

but for conservative funds which are invested in philippine government securities, although minimal ang increase, hindi na fluctuating.

from december 11, 2007, i got it from BDO at 1,193.97 per unit. now its around 1,201.00 per unit.

 

Of course higher risk brings higher return and also higher loss. Lesser risk like bond brings lesser return and lesser loss.

But now the world economy is in topsy turvy state. So trade with caution.