money Where To Invest 200k?

[Immortal666]

kumg di ako magkamali 70 na nanay niya lol.

 

 

Oy hindi a. 57 pa lang ang nanay ko. Extra lang talaga yung 200K. Nalagay na namin sa TD and pa-end na sya ngayong October. Ie-extend ata ng mom ko for another 3 months.

[HOT PAPA]

Oy hindi a. 57 pa lang ang nanay ko. Extra lang talaga yung 200K. Nalagay na namin sa TD and pa-end na sya ngayong October. Ie-extend ata ng mom ko for another 3 months.

 

 

since your money is with BDO, inquire about their PMMF(peso money market fund) wherein you earn minimal interest daily and you can opt out any day without any preterm charges.......

[Guest serenity12]

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.

 

Are you sure about your math, sir? Sure banks can give you 2% but its on a per annum basis, I think. I haven't heard of any bank that would give you 24% return in a year

[Dr_PepPeR]

Are you sure about your math, sir? Sure banks can give you 2% but its on a per annum basis, I think. I haven't heard of any bank that would give you 24% return in a year

 

If a bank is willing to give you 2%/month or 24% per annum, be afraid... be very afraid....

[HOT PAPA]

If a bank is willing to give you 2%/month or 24% per annum, be afraid... be very afraid....

 

yeah! very very d a n g e r o u s, maybe its 2% per annum & not 24%.......

[silverapollo]

i agree be careful kasi the higher thre interest na bigay ng bank the less stable it is....yung 24% pang mga nagpapautang yan..

clear nyo lang kung yung 200k ba ay extra or pedeng inegosyo... or savings for the future....

maganda pa rin business na alm nyo patakbo... yung kakaiba dapat....

[kamandag7]

right now the stocks are down you can invest on comodity like oil or mining 10% a year isnt bad at all.

 

but you have to monitor the stocks that you are investing......or better put in a td w/c have low

 

risk & little interest will be earn .

[rapturousone]

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?

 

last july, a 5-year retail treasury bond with a 9% yield was offered. it is still below inflation rate but offered a better return (with a lot less risk) than other instruments. keep your eye out for something safe like that. it is not sexy but sometimes plain jane investments (especially in a highly volatile market) will be better for you. if you want to give mutual funds a try, i suggest that you do not put all of your money in a mutual fund. you can lose it all. given that your mom seems to be counting on the Php200K for her retirement, safe is the way to go....but please, take it out of the savings account that gives a 1% return! ask your bank manager what your bank has to offer.

 

by the way, good for you that you're thinking about your mom! :thumbsupsmiley:

[rapturousone]

by the way, if rtbs are no longer availabe, you may want to look at special deposit accounts that have yields in excess of 6% per annum but with holding periods of less than 5 years.

[joss]

kumusta na ang 200k mo na dag dagan na ba hehehe

[Dr_PepPeR]

by the way, if rtbs are no longer availabe, you may want to look at special deposit accounts that have yields in excess of 6% per annum but with holding periods of less than 5 years.

 

SDAs have a gross of 6.187% p.a. and are only available in 14 days and 30 days tenor at the moment.

[papamo21]

SDAs have a gross of 6.187% p.a. and are only available in 14 days and 30 days tenor at the moment.

 

Sir Quick question.. What exactly is this Special Deposit Accounts (SDA), and where can one be able to invest in SDAs?? Also, u said they are available in 14 days and 30 days? Do u mean one can invest their money in such SDA accounts and can withdraw their money right away in 14 or 30 days?? and the 6.187% p.a., kinda confused.. Can you please explain , sir??

 

Thanks in advance!

[Dr_PepPeR]

Sir Quick question.. What exactly is this Special Deposit Accounts (SDA), and where can one be able to invest in SDAs?? Also, u said they are available in 14 days and 30 days? Do u mean one can invest their money in such SDA accounts and can withdraw their money right away in 14 or 30 days?? and the 6.187% p.a., kinda confused.. Can you please explain , sir??

 

Thanks in advance!

 

Quoting from my post on the Time Deposit thread:

 

SDA stands for Special Deposit Account offered by the Bangko Sentral ng Pilipinas to Banks who in turn offer it to their Treasury or Trust clients. The tenors are in 14 days and 30 days only. This facility was intended to siphon off excess liquidity from the market by offering relatively higher rates so as to be attractive to investors. In your case you are probably a branch client that booked you under a trust arrangement with BDO. BDO trust then invested your funds (together with their other trust clients) with the Bangko Sentral's SDA. In fact, the interest rate of the SDA is 6 percent something but you only get 5 percent something because of the withholding tax and trust fees. You can consider it a secure investment because, well, it's a deposit with the Bangko Sentral.

[mmp0gi]

In the stock market!

[kaitaro]

anung bank po pwede kumuha ng tbills at kung magkanu kailangan po?