money Where To Invest 200k?

[black cat]

Government t-bills is the safest. Ang alam ko they are issuing now eh.. try mo mag-ask around.

 

The interest depends on the principal amount and maturity date.

[justinapay]

get a franchise of a food business

[Immortal666]

Thanks for the reply, people. To provide a bit of closure to the topic I opened, let me tell you how we invested the 200k. We chose the safest route and it was through a 3-month time deposit. After that is over, we'll move the money to another bank who offers a higher TD interest rate. Ganun na lang siguro for now.

[parbust3r]

which bank and at what gross interest rate?

[Immortal666]

which bank and at what gross interest rate?

 

BDO at 2.25%. However, after the three months is over, we'll move the money to China Bank who has an interest rate at 3.5%.

[Google]

My mom just sold a piece of our land for 200K and she intends to keep it as money for when she grows older. I told her it wouldn't be wise to have it just sit in a bank earning 1% interest. I was telling her to invest in Mutual Funds but she was thinking of putting the money in a time deposit. I'm not that knowledgeable in Mutual Funds to convince her otherwise. Can you give suggestions on what would be the best way to invest the money and hopefully earn some interest on it?

 

 

ipautang mo sa akin, ibabalik ko after one year with 10% interest.

pangdadagdag ko lang sa kapital ko. hehehehe.

[occam]

BDO at 2.25%. However, after the three months is over, we'll move the money to China Bank who has an interest rate at 3.5%.

 

Why not skip BDO altogether and just go immediately to Chinabank where the rate is higher?

[UncleCrank]

Banks like DBP, Metrobank, BDO etc are offering Retail Treasury Bonds. I'm not sure if it's only up until today (July 25) or if it's till the end of July. Minimum of 5,000 pesos. 3year RTB has a gross interest rate of 8.5% while 5year RTB is at 9%. This is a low risk investment since the govt is the one lending your money thru banks. Interest is paid quarterly so it gives you liquidity.

[joss]

medyo malaki nga lang sa PNB tresury bills min nila 100k maganda lang dun pag bili mo ng tbills ang babayaran mo ay 100k mo less yung rate.. in other words pag nag mature yung t bills mo 100k parin pero ang ipinasok mo na pera lets say 10% ang rate di 100-10= 90k lang ang kinuha ng bangko sa iyo eh di may 10k ka pa... may pang gastos ka na di ka na mag hihintay ng mahabang panahon para sa interest. 10k pwede mo na i invest yan... dont worry pag nag mature ang tbills mo balik sa iyo ang 100k mo. yan ang kagandahan ng tbills lol ....parang may advantage ang ganito satingin ko,10k pwede na rin pang mutual funds yun .sa 100k mo may 100k ka na tbills at 10k mutual funds parang naging 110k yung 100k mo instantly ... pero sa ngayon mababa pa ang rates at you have to consider yung tax din pala.. nag hihintay nga ako tumaas ng konti sana ang rates. may mas mataas naman ROI na pagkakakitaan, ito naman tbills pang ano lang ito para lang sa mga walang magawa sa pera lol....

[Immortal666]

Why not skip BDO altogether and just go immediately to Chinabank where the rate is higher?

 

The money was credited to our BDO bank account. Tinamad na kami i-withdraw so dun muna kami nag-open ng TD.

[muffin]

ipautang mo sa akin, ibabalik ko after one year with 10% interest.

pangdadagdag ko lang sa kapital ko. hehehehe.

 

ako din! if you want, you can lend it to me for 10% per anum interest..i have a very profitable business... check my signature link number 2. that's my business...

Edited July 27, 2008 by muffin

[joann287050]

3.5% interest rate for Time Deposit in banks are good enough since it has low risk. you may also opt to place your money in a cooperative as they can offer a higher interest rate for TDs than that offered by banks and not subject to tax. Only con is that depositor is not insured by the PDIC so better place money in a cooperative that you know and trusts (or on one which you have connections with its members/officers). :upside:

 

happy saving!

[sxy_shandy]

@Immortal

You never did say kung ilang taon na mom mo at kung talagang extra lang yung 200k. Para klaro kayo sa time horizon... ok naman sa time deposit kaso kung matagal mo naman pala kayang hindi galawin, baka mas mabuti pang sa mutual fund nga. Sayang din ang sanang kikitain niyo. O di kaya merong single-pay na investment products. Wala bang ibang investments? Kasi kung time deposit at savings na yung iba niyong assets tapos bonds pa uli, sobrang conservative na, hindi na kayo nakinabang sa 'diversification'.

[joss]

kumg di ako magkamali 70 na nanay niya lol.

[dragonite]

in a businessman point of view,

 

if you're going to invest 200k, you must at least earn 4k a month or 2%,

 

because banks can give you 2% monthly if you deposit your money to their bank.

 

in one year time, your money should increase by 24% or 48k minimum.

Edited September 27, 2008 by dragonite