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Men's Lifestyle => Family, Friends and Society => Topic started by: vir on October 27, 2011, 02:55:35 PM

Title: Mutual funds
Post by: vir on October 27, 2011, 02:55:35 PM
aware ba kau sa mutual funds, would you consider investing your money into this?

let me know your thoughts..

or sino yung may mga investment na dito? can you tell more about it?

thanks in advance!
Title: Re: Mutual funds
Post by: pong on October 27, 2011, 03:17:29 PM
nope. not now. sabog ang stock market eh. kung maliit lang ang puhunan, doon ka sa government funds. in the long run, maganda ang movement ng mutual funds, unless, malaki ang capital inflow mo.
Title: Re: Mutual funds
Post by: vir on October 27, 2011, 03:44:07 PM
ah ganun ba?..pano yung sa government funds, bale ano yung difference?
Title: Re: Mutual funds
Post by: pong on October 27, 2011, 04:11:28 PM
siyempre, dahil gobyerno: risk-free. at dahil si noynoy presidente, nagkaroon na ng risk wahaha!!!

kidding aside, sa mutual funds kasi, ida-diversify yung pera mo into different interest-yielding securities mapa-money market, stocks, hedges, etc. kaya lang hindi ka sigurado sa pera mo. meaning, bahala yung broker mo kung saan ilalagay ang pera mo. magbabayad ka pa ng annual fee. hehe

pag government funds, wala ka masyado babayaran, sure ka pa.
Title: Re: Mutual funds
Post by: vir on October 27, 2011, 07:51:56 PM
wow impressive!..yun nga din takot ko sa mutual funds,it's either lumaki ng husto ang pera ko or mawala ng tuluyan..napaka risky talaga kaya pinagiisipan ko mabuti..

now my question is, pano ako magiinvest sa government funds,san ako magsisimula?sino kokontakin ko?..hehehe..dami tanong..

by the way, may investment ka ba sa government funds?
Title: Re: Mutual funds
Post by: pong on October 27, 2011, 10:08:39 PM
wow impressive!..yun nga din takot ko sa mutual funds,it's either lumaki ng husto ang pera ko or mawala ng tuluyan..napaka risky talaga kaya pinagiisipan ko mabuti..

now my question is, pano ako magiinvest sa government funds,san ako magsisimula?sino kokontakin ko?..hehehe..dami tanong..

by the way, may investment ka ba sa government funds?

basa ka ng diyaryo sa business section. pag nag-auction ang bureau of treasury ng government bonds, ayun. sunggaban mo na. kaya lang. may advantage pag depositor ka ng bangko na authorized depository agent ng BOT. kasi pag hindi, hala, maraming mas mapera ang bibili ng gov't bonds.

multiples of P5,000 ang bonds so ok na yun. kung may 10k ka, bilhan mo na.

meron akong Treasury Bills eh :)  ayoko ng stocks. one time, nag-IPO ang cebu pacific. P125 ang price. P77 na lang yata ngayon. lugi :(
Title: Re: Mutual funds
Post by: vir on October 28, 2011, 02:37:03 PM
thanks a lot for the info pareng pong!..alam ko na gagawin ko, may nakausap akong taga sunlife kahapon..tatandaan ko mga advice mo..
Title: Re: Mutual funds
Post by: pong on October 28, 2011, 03:20:40 PM
thanks a lot for the info pareng pong!..alam ko na gagawin ko, may nakausap akong taga sunlife kahapon..tatandaan ko mga advice mo..

sure thing! makati boy ka ano?
Title: Re: Mutual funds
Post by: vir on October 28, 2011, 03:49:59 PM
thanks a lot for the info pareng pong!..alam ko na gagawin ko, may nakausap akong taga sunlife kahapon..tatandaan ko mga advice mo..

sure thing! makati boy ka ano?

oo..pakalat kalat lng ako dito makati..hehe..
Title: Re: Mutual funds
Post by: geo on January 11, 2012, 11:17:52 AM
i just want to add na ok ang government bonds. Sureball na may balik ang investments mo kasi its government. Since its a risk-free investment the rate is very low. Remember from finance 101 "the higher the risk, the higher the return. the lower the risk, the lower the return." Although mutual funds are A-okay to invest, hindi rin naman ganun kataas ang return on capital.
Title: Re: Mutual funds
Post by: enzoafterdark on January 11, 2012, 03:49:40 PM
hmm amazing guys so now i know

may nagtanong din saken na taga sunlife sabi ko lang il think about it hehehe

pero seriously now im beginning to understand how to practically manage your money. the other day kasi some financial manager told me na if you want make use of your stagnant money invest in mutual fund but hesitant ako i just have one question though pano ko malalaman na authorized depositry yun bank?
Title: Re: Mutual funds
Post by: geo on January 11, 2012, 04:25:12 PM
The main reason na konti lang ang yumayaman dito sa pilipinas is bec yung orientation nating mga pinoys. Parati sinasabi ng magulang natin na mag-aral ng mabuti para makakuha ka ng magandang trabaho. Hindi naman ikaw ang yumayaman. Yung boss mo ang yumayaman. Chinese culture dictates that you should be your own boss.

Another thing, majority of filipinos they only know one kind of investment and that is putting it in the bank. Walang yumayaman sa kakarampot na interest sa bank.
Title: Re: Mutual funds
Post by: pong on January 11, 2012, 05:13:24 PM
^good observation, geo, and welcome to the club!


mmm... isa pang magandang observation ay ganito. pag pinoy ang nalugi, mag-isa siyang malulugi. at pag nalugi, ayaw na niyang mamuhunan. at mahilig tayo sa biglang balik. sa english, immediate return. kaya naman patok ang sari-sari store. isang bagay na rin na hindi talaga tayo pinagpala sa simpleng math. minsan nao-overlook ng mga pinoy ang mga expenses kesa sa income.

ang mga chinese, bukod sa magaling mag-cost analysis at forecast, iba ang samahan nila. kaya nga sila may chamber of commerce. pag nalugi ang isang negosyo, asahan mong may magpapahiram sa kanila ng puhunan. kaya kung mapapansin, lumalago ang negosyo dahil nagtutulungan sila sa isa't-isa. at wala sa culture nila ang manakbo ng utang, or gumastos nang walang kawawaan.

Title: Re: Mutual funds
Post by: geo on January 11, 2012, 05:24:56 PM
thanks pong.

tama ka. When it comes to business orientation, iba tlaga sa chinese. Takot sa risks ang mga pinoy. Although medyo shaky pa mag invest ngaun, pero those who take the risks now sila yung biglang yaman naman kapag nakabawi ang world market.
Title: Re: Mutual funds
Post by: pong on January 11, 2012, 09:31:17 PM
hindi pa maganda mag-invest ngayon. mmm... 4,600+ ang PHISIX eh, highest level kanina. magulo pa ang europe at pag nanalo si obama sa 2012 elections chances are, shaky rin ang stock market.

best bet for now: currency market.
Title: Re: Mutual funds
Post by: geo on January 12, 2012, 09:43:08 AM
Hmmm. hindi ba risky rin currency market? Meron kasi mga big upswings sa currencies paminsan-minsan. Pero syempre    iba-iba naman ang preference ng tao. May mga tao na risk-takers. May iba naman na risk averse.

If kakastart mo plang siguro kumita ng pera, its best to invest sa low risk-low return muna. Baka naman kasi ang taas-taas agad ng pangarap mo na yaman bigla. :) Pinaghihirapan yun. :P (with a few exceptions siguro :P)
Title: Re: Mutual funds
Post by: pong on January 12, 2012, 11:05:51 AM
highest risk is putting up a business. bakit? malaki ang kailangang investment capital, at matindi ang red tape. mahigpit ang regulasyon sa pasweldo at pagre-remit ng vat, plus independent audit. 3 1/2 years pa bago ka maka-breakeven. problema mo pa ay yung expertise (OK, magha-hire ako ng expert, so another investment).

isa pa, overvalued na lahat ng bagay ngayon. isa na lang ang undervalued: mga sarili natin. mag-invest tayo sa sarili natin, after all, hindi naman lahat ng pera sa mundo ay magiging atin. mabubuhay pa rin naman tayo nang bastante hangga't kuntento tayo. masyado lang tayong aligaga sa pera o magkaroon ng pera dahil either sa tindi ng inggit sa mga may sariling kotse, sariling bahay o nakakapunta sa ibang bansa; pero kung susuriin hindi naman pamemera ang misyon natin sa mundo.

sobrang off-topic na HAHAHA. regarding sa topic, kumita ako sa Yen exchange. sobrang tumaas. naaliw lang ako. yung Euro, hindi ako gaanong naka-settle dahil wala akong liquid investment para ipambili. wag masyado tumingin sa US Dollar, masyadong palasak. although may forecast ako na pag tatanga-tanga ang gobyerno: babagsak ang peso.
Title: Re: Mutual funds
Post by: geo on January 12, 2012, 11:26:59 AM
^ pano ba yang currency market? san ba ako makakahanap ng info about dyan?
Title: Re: Mutual funds
Post by: enzoafterdark on January 12, 2012, 02:36:01 PM
ayus namiss ko yun ah - bastante!

i agree with pong madami lang talagang aligaga

never satisfied. never contented. never freed. weh?  ???
Title: Re: Mutual funds
Post by: vir on January 18, 2012, 05:56:42 PM
nagsama sama ang mga accountant! hahaha..
Title: Re: Mutual funds
Post by: pong on January 18, 2012, 11:31:54 PM
^ pano ba yang currency market? san ba ako makakahanap ng info about dyan?

gaya ng binanggit ko sa iyo: sa bloomberg, CNBC, diyan. HS pa lang ako nasubaybayan ko ang stock market. nung Sept 11, 2001, naglubugan lahat ng stock market. kung may pera lang ako noon, 800% na ang kinita ng pera ko ngayon. in a span of 10 years. isipin mo yun?!

OK, OnT na. Mutual Funds. Inquire lang kayo sa BDO Capital or BPI Asset Management. Minimum investment, depende. Pero isipin niyo, kung maghuhulog kayo ng 10,000 buwan-buwan nang walang mintis, in 10 years may P2.5M na kayo. masaya yan. may retirement savings na.
Title: Re: Mutual funds
Post by: enzoafterdark on January 19, 2012, 03:23:28 PM

magbuo na kaya tayo sa pgg na asset management and financial analysis team

para lahat ng members may chance yumaman and after 20 years magka reunion tayo..siguro lahat tayo bastante na nun pag nagwork yun program hahaha
Title: Re: Mutual funds
Post by: pong on January 19, 2012, 06:03:56 PM
^ OK, may financial awareness committee na dapat tayo. The table is now open for nomination of the Chairman  ::)
Title: Re: Mutual funds
Post by: joshgroban on January 19, 2012, 11:33:46 PM
^ pano ba yang currency market? san ba ako makakahanap ng info about dyan?

gaya ng binanggit ko sa iyo: sa bloomberg, CNBC, diyan. HS pa lang ako nasubaybayan ko ang stock market. nung Sept 11, 2001, naglubugan lahat ng stock market. kung may pera lang ako noon, 800% na ang kinita ng pera ko ngayon. in a span of 10 years. isipin mo yun?!

OK, OnT na. Mutual Funds. Inquire lang kayo sa BDO Capital or BPI Asset Management. Minimum investment, depende. Pero isipin niyo, kung maghuhulog kayo ng 10,000 buwan-buwan nang walang mintis, in 10 years may P2.5M na kayo. masaya yan. may retirement savings na.

pero hirap na rin magtrust sa bangko these days di ba... ang sikat ngayon lugi na bukas..
Title: Re: Mutual funds
Post by: geo on January 20, 2012, 09:13:27 AM
I still believe stable pa rin naman mga banks here in the phil.
Title: Re: Mutual funds
Post by: pong on January 20, 2012, 10:39:59 AM
ang pessimistic naman ni daddy. isa pa, kung takot sa bangko, may treasury bills naman. risk-free. may auction na pala ang government. 10-year bonds, 5.75% interest rate. share ko lang
Title: Re: Mutual funds
Post by: enzoafterdark on January 20, 2012, 10:46:59 AM
gawa na kayo committee para makapaginvest yun mga young guns ng maayos at para umasenso tayo lahat  :D
Title: Re: Mutual funds
Post by: geo on January 20, 2012, 11:03:49 AM
Tsaka hindi naman papabayaan ng BSP yan malugi mga big banks natin. If one of the big banks here will close, kawawa naman Phil economy... :p Mahirap na nga, lalo pang hihirap...
Title: Re: Mutual funds
Post by: enzoafterdark on January 20, 2012, 01:26:58 PM
ang hirap nga


hirap na hirap na din ako intindihan yun monetary thingy sa topic na to hahaha  ;D
Title: Re: Mutual funds
Post by: geo on January 20, 2012, 01:32:23 PM
mga financial accounting/finance graduates ang makakapagexplain sa iyo nito ng maiigi.
Title: Re: Mutual funds
Post by: enzoafterdark on January 20, 2012, 01:47:32 PM

hahaha ok lang brad. naiinitindihan ko naman just playin'  ;D

hahaha  ;)
Title: Re: Mutual funds
Post by: geo on January 20, 2012, 01:56:36 PM
ergo

financial management graduates pala.
Title: Re: Mutual funds
Post by: enzoafterdark on January 20, 2012, 01:58:50 PM

hahaha  ;D
Title: Re: Mutual funds
Post by: pong on January 27, 2012, 12:08:43 PM
just an update:

tumaas ang peso against USD to 42.85 (baka gusto niyo lang makipagsapalaran -- it could drop to 44 sometime this year)

meanwhile, not good for the stock market -- mahal pa.

Title: Re: Mutual funds
Post by: geo on January 27, 2012, 12:40:44 PM
weaker peso or should I say "stronger dollar"

Wag mo sabihing malakas ang PISO...Humihina lang ang dollar...-my prof use to say.
Title: Re: Mutual funds
Post by: enzoafterdark on January 28, 2012, 12:23:00 AM
^ hahaha dami talaga non-believer na pwede talaga yumaman pilipinas  :D

pero sabi ng hsbc financial projections by 2050 Philippines will be the 16th world's largest economy
Title: Re: Mutual funds
Post by: vir on January 30, 2012, 01:44:14 AM
^ hahaha dami talaga non-believer na pwede talaga yumaman pilipinas  :D

pero sabi ng hsbc financial projections by 2050 Philippines will be the 16th world's largest economy

2050 pa? sana abutan ko pa yan.. at pang 16 plng?.. haayyy..
Title: Re: Mutual funds
Post by: Chris on January 30, 2012, 11:13:23 AM
yung dati kong gf, ang hilig mag ganito at magaling sya maglaro ng stocks. I remember nakabili sya ng DSLR (Nikon D90) which is worth 50K+ at that time dahil sa kinita nya dito. Astig diba? haha.
Title: Re: Mutual funds
Post by: mangkulas03 on January 31, 2012, 12:29:59 AM
mutual funds... a.k.a. paluwagan

LOL
Title: Re: Mutual funds
Post by: enzoafterdark on January 31, 2012, 12:32:08 AM
paluwagan ng mga mayayaman hahaha kaya ba mutual funds ang tawag? hehehe

astig sir chris eh di siguro ngayon mas marami na syang nabili since kumikita pala sya sa mutual fund?
Title: Re: Mutual funds
Post by: sirako on February 08, 2012, 11:23:09 PM
paluwagan ng mga mayayaman hahaha kaya ba mutual funds ang tawag? hehehe

not necessarily, for as low as 5k, you can invest isa mutual fund.

OT : Mutual funds are pooled investments, it means that the money came from different people and collected under co. or instituitions at iniinvest nila un in different financial instruments like bonds, stocks, money market atbp. One of the advatage of investing in investing in mutual fund ay hindi mo na kailangan i-monitor ung investment mo kasi ung co. na ung may bahala na magpalago ng pera mo. for more info try to visit mutualfundphilippines.com.  :) ;D :)


Title: Re: Mutual funds
Post by: vir on February 12, 2012, 05:36:36 AM
paluwagan ng mga mayayaman hahaha kaya ba mutual funds ang tawag? hehehe

not necessarily, for as low as 5k, you can invest isa mutual fund.

OT : Mutual funds are pooled investments, it means that the money came from different people and collected under co. or instituitions at iniinvest nila un in different financial instruments like bonds, stocks, money market atbp. One of the advatage of investing in investing in mutual fund ay hindi mo na kailangan i-monitor ung investment mo kasi ung co. na ung may bahala na magpalago ng pera mo. for more info try to visit mutualfundphilippines.com.  :) ;D :)




tama..kaya ako di ko na alam kung ano na nangyayari sa pera ko,bahala na sila..inexplain nila saken pero di ko pa rin maintindihan,hahaha..
Title: Re: Mutual funds
Post by: macpena on February 28, 2012, 11:08:27 PM
Gusto ko tong TOPIC na to!  :D

Kung papano YUMAMAN.

Madami pa kong gustong matutunan about sa Mutual Funds, Stocks, Bonds. Kaya magpost pa kayo, sige na.  ;)

Sabi nga ni Robert Kiyosaki, "Lack of money is root of all evil"
Title: Re: Mutual funds
Post by: geo on February 29, 2012, 03:01:34 PM
Try reading Rich Dad and Poor Dad and Cash Quadrant...
Title: Re: Mutual funds
Post by: nevinct on March 06, 2012, 03:19:29 PM
I invested a bit of my savings two years ago in a mutual fund, as of now 25% increase na. That's quite modest, pero still more than what any time deposit / bank interest could give me.

The best time to start investing is after you have your emergency fund set (2-3 months worth of salary). just make sure that you won't need to touch your investments for a few years and it will grow eventually.
Title: Re: Mutual funds
Post by: geo on March 07, 2012, 09:32:16 AM
Most of us ganito ang equation pagkatanggap ng salary nila.....

Salary-expenses-luho=pag may natira savings...

When it should be...

Salary-savings-expenses=ang natira luho.....

Savings is 10-20% of your salary... :)
Title: Re: Mutual funds
Post by: noyskie on March 07, 2012, 11:41:59 AM
So ibig sabihin, tama lang pala sinasave ko ngaun, which is around that percentage.

Mahina lang ako mag stash for emergency fund, pag liquid funds kasi mabilis kong gastusin... hehehe...
Title: Re: Mutual funds
Post by: geo on March 07, 2012, 11:54:38 AM
some would say na dapat kasama din sa equation na yan ung emergency funds.
Title: Re: Mutual funds
Post by: Peps on March 07, 2012, 11:57:04 AM
yung nakukuha ko lang yearly yung sine save ko hehe
Title: Re: Mutual funds
Post by: geo on March 07, 2012, 12:00:36 PM
let me make a guess? dividends?
Title: Re: Mutual funds
Post by: Peps on March 07, 2012, 12:08:30 PM
ayoko na sana sabihin yung term ano ano kasi tsini tsismis nung isa :P
Title: Re: Mutual funds
Post by: noyskie on March 07, 2012, 12:27:51 PM
tsk! yaman talaga mi peps...
Title: Re: Mutual funds
Post by: vladmickk on May 28, 2012, 09:59:13 AM
Tanong ko lang, what's the best time of the year para mag invest sa mutual fund or sa uitf?
Title: Re: Mutual funds
Post by: nevinct on May 29, 2012, 03:42:20 PM
^ short answer: the present.

Very hard to predict the market so cost averaging works for me rather than a one time big time investment splurge. for example you have 100k to invest; splitting it into 5 months deposit of 20k each or 10 months deposit of 10k per month would (roughly) negate the constant up and down price changes.
Title: Re: Mutual funds
Post by: vladmickk on May 30, 2012, 08:40:58 PM
^salamat po sir nevinct. Additional pa po, worth it po ba ang mutual fund as a passive investment? Kung sa 100k, gaano po ba kalaki ang roi in 2 to 3 years based on experience?
Title: Re: Mutual funds
Post by: kaloy on August 09, 2012, 10:54:01 PM
Worth it naman, kasi may return ka for sure. Mababa nga lang compared to stock market. Just remember, "The higher the risk, the higher the return."

Low ang risk ng MF kasi Fund Manager ang may hawak ng portfolio mo. Whereas in Stock Market, ikaw ang may hawak ng portfolio mo. Pwde kang masunog anytime kung di ka marunong magTrade.lol Pero pwede ka din naman manghingi ng tips sa broker mo para alam mo ang bibilhin mo.hehe

Ayon kay FAMI, as of today, 36.14% ang projected 3yr-return nila. Bale FV(Future Value) = 100,000 (1 + .3614) Kung sa stock market mo yan ininvest, for sure mas malaki ang kita mo dyan. Let's take PGOLD as an example. PGOLD closed at 11.00php on its first day, but now, it closed at 27.75php. That's more than 100% return in less than 10 months. October last year pa lang nagIPO si PGOLD ha. At 2 months ago binili nya si S&R at Parco. Which means maganda ang future ng company.hehe At pag maganda ang company, chances are, gaganda sya sa mata ng investors at tataas ang price nya.hehe But thats just my two cents. I'm no expert. Hindi din po ako nag major in Business. :)
Title: Re: Mutual funds
Post by: jordanforextrading on March 09, 2018, 12:35:41 PM
Hi gusto ko lang po mag share ng experience ko sa inattendan ko na seminar libre po sya at talagang maraming matutunan tungkol sa Forex trading (https://www.learntotrade.com.ph) dito sa pilipinas. Kahit sa maliit na investment lang po ay malaki na ang maari nyong kitain dahil matututo po kayo kung paano din maging successful sa larangan ng forex trading dito sa ating bansa.
Title: Re: Mutual funds
Post by: bugnutin99 on March 20, 2018, 09:00:29 PM
Uy interesting to ah. Meron silang workshop every 2-3 weeks. May sched sila sa BGC (aside sa iba ibang sites sa Luzon) though di ko na check yun exact dates pero iba iba sya ng oras.