Time Deposit Rates

[rage515]

just want to share

time deposit

has a very minimimal risk

that retiree people should do

because they cant afford to lose investment anymore

[Charlemagne2008]

Bank interest rate is always lower than the inflation rate, it means that at the end of the year even your money earns interest your puchasing power is less because of higher inflation.

 

For me I rather invest in stocks, even it is risky the return is also high, just minimize your risk if your investing in stocks.

[wallace]

What bank offers the highest monthly time deposit interest?

[Dr_PepPeR]

What bank offers the highest monthly time deposit interest?

 

As of yesterday it looked like Bank of Commerce, Planters Development Bank and Export Bank. Thrift and Rural banks offer much higher rates but then...

[mykel1]

Thrift and Rural banks offer much higher rates but then...[/b][/color]

 

I could definitely agree doc...

 

As of now, Trust placements and Bancassurance products of banks are being preferred investments

by bank clients over the regular time deposits for the "better" yields they could give

[b1gbeauty89]

money market funds and fixed income funds are not, imho.

 

 

So how does mutual funds, money market and fixed income funds worked? Pls enlighten us thanks

[Dr_PepPeR]

So how does mutual funds, money market and fixed income funds worked? Pls enlighten us thanks

 

Click on the link on my signature for FAQs about UITFs, they work just like mutual funds.

[cleanpinoy]

may magandang time deposit service ang bpi. sanctioned by bangko sentral. almost 5 % interest rate per annum

[coricsbaby]

magkanu ba minimum kapag magttime deposit..and minimum span of time

[silverapollo]

banks with high interst rates be cautious kasi they need depositors. to be safe try to check the stability ng bank kahit mababa eh sure ka na di magsasara. although kng dami ka extra time deposit mo na lang. yung tipong pangmatagalan ang term.

i would suggest business ka na lang. mlaki risk but malaki din ang return. be sure you know the business. whatever business di mo dapat gagamitin yun for your day to day expenses.

[teasoy216]

in view of the volatility of the financial institution, what is the better alternative for money makers?

[bmwlover]

Hirap talaga ngayon sa financial instruments.

 

Tama si silverapollo. Mas malaki ang returns ng entrepreneurship. Lalo na pag 50%+ ang contribution margins mo.

 

Pero importante rin na may savings ka. "Don't put your eggs in one basket."

 

Long-term time deposit with compounding interest ang safest intsrument. Pero mahirap tong laruin. Slow burn talaga. Better watch out for inflation too.

 

Pag mutual funds, hit or miss din. Parang stock market din kasi. Earnings depend on number of shares and share value.

 

I still have to investigate UITFs though.

[Dr_PepPeR]

in view of the volatility of the financial institution, what is the better alternative for money makers?

 

Either go short term now and wait to see where rates will go or if you have the long term horizon, get a five year corporate note or tier two from a reputable institution for the income tax exemption.

[barrysaint]

Sunlife gives very competitive rates for investments. been with them for the last 10 years

[kamandag7]

i have a sunlife uitf seens last year as of now negative 25% in my investment ..

 

the bdo are offering short term papers of bdo 5.14% net to 5.4% net they are giving

 

much compare to sda of other bank ......

Edited October 9, 2008 by kamandag7