Author Topic: Investing in MUTUAL FUNDS (Part 3) (Read 112591 times)

mxherr5 · « **Reply #765 on:** Jul 12, 2012, 03:43 PM »

Really? That means the taxes paid by the fund is somehow related
to the par value?

If that's the case, why don't all mutual fund start at 0.1?

Also, I thought changing the par value would also change the
NAV and your number of shares? Parang stock split pero mukhang
hindi kasi ang NAV ng equity is still the same...?

george88 · « **Reply #766 on:** Jul 12, 2012, 08:43 PM »

Sir mxherr d mo ako pinansin

mxherr5 · « **Reply #767 on:** Jul 15, 2012, 12:31 PM »

Ayan na sir.. may hinahanap kasi ako pero hindi ko nahanap eh haha

investor_des · « **Reply #768 on:** Jul 17, 2012, 11:15 PM »

Hi everyone, newbie in this forum.. I have an existing MF with ATR Kim Eng and their customer service is very good plus i have online monitoring of my account with them.. However, there are other fund managers like PAMI who has online monitoring too bit the performance is a lot better in 1, 3 and 5yrs.. unfortunately i've send numerous emails to PAMI but no one has responded to my email yet.. is their customer support usually poor? Is there anyone here who has PAMI MF? do you mind if I get ur agent's email add so I can direct my transactions with a specific agent and to help me get started? Im currently here in Singapore kc kaya I cn only communicate with them through email.

Thanks in advance for the response

God bless you all

357 · « **Reply #769 on:** Jul 18, 2012, 07:44 PM »

Quote from: investor_des on Jul 17, 2012, 11:15 PM

Hi everyone, newbie in this forum.. I have an existing MF with ATR Kim Eng and their customer service is very good plus i have online monitoring of my account with them.. However, there are other fund managers like PAMI who has online monitoring too bit the performance is a lot better in 1, 3 and 5yrs.. unfortunately i've send numerous emails to PAMI but no one has responded to my email yet.. is their customer support usually poor? Is there anyone here who has PAMI MF? do you mind if I get ur agent's email add so I can direct my transactions with a specific agent and to help me get started? Im currently here in Singapore kc kaya I cn only communicate with them through email.

Thanks in advance for the response God bless you all

You can send email to Mr. Gerry-O Landazabal ( Gerry-O.Landazabal@aia.com ). He is working at main office of Philam Asset Management, Ayala, Makati. Actually, he is my agent to my Philam Strategic Growth Fund.

Hope will help.

investor_des · « **Reply #770 on:** Jul 19, 2012, 09:03 AM »

thank you so much! will send him an email asap

God bless!

naya · « **Reply #771 on:** Jul 21, 2012, 09:04 AM »

Sa mga matagal nang investors sa mutual funds offered by BPI, BDO or Sun Life, meron na ba sa inyo na imbes na nag-earn yong invested amount ninyo after 6 months or a year ay nabawasan?

Prospective MF investor pa lang po ako. Thanks

joshlegaspi · « **Reply #772 on:** Jul 21, 2012, 09:49 AM »

Question, for those who has agents sa PAMI, sunlife, etc mutual funds, may mga corresponding comm charges that you pay? Or u buy and sell based on the day's navps?

All my MFs and UITFs kasi are with bpi, and i just monitor, buy and sell shares thru expressonline. The price per share is same whether you buy or sell, so there are no overriding costs. Yung fees are alredy internal to d management fees incurred calculated sa daily navps

Post Merge: Jul 21, 2012, 09:51 AM

Quote from: naya on Jul 21, 2012, 09:04 AM

Sa mga matagal nang investors sa mutual funds offered by BPI, BDO or Sun Life, meron na ba sa inyo na imbes na nag-earn yong invested amount ninyo after 6 months or a year ay nabawasan?

Prospective MF investor pa lang po ako. Thanks

Yes of course, especially if ur MF are invested sa equity. Ive seen my MF investment almost half durin d 2008 financial crisis

naya · « **Reply #773 on:** Jul 21, 2012, 10:39 AM »

joshlegaspi, thanks a lot....

Pero on paper lang yon? Pag hindi mo naman winidro ay mababawi rin yong invested amount? O lost money na talaga...

kithe · « **Reply #774 on:** Jul 21, 2012, 11:00 AM »

Quote from: joshlegaspi on Jul 21, 2012, 09:49 AM

Question, for those who has agents sa PAMI, sunlife, etc mutual funds, may mga corresponding comm charges that you pay? Or u buy and sell based on the day's navps?

All my MFs and UITFs kasi are with bpi, and i just monitor, buy and sell shares thru expressonline. The price per share is same whether you buy or sell, so there are no overriding costs. Yung fees are alredy internal to d management fees incurred calculated sa daily navps
Post Merge: Jul 21, 2012, 09:51 AM
Yes of course, especially if ur MF are invested sa equity. Ive seen my MF investment almost half durin d 2008 financial crisis

You have 2 options for sales load or charges, this is for Sun Life MF;

Option A, front load, you will be charge upon investment, no charges upon redepmtion or withdrawal, no holding period

Option B, back end load, zero load, but you have to lock in your investment for 5 years, you will be charge if you redeem within 5 years..

mxherr5 · « **Reply #775 on:** Jul 21, 2012, 03:23 PM »

@naya,

Same experience with josh.. during the financial crisis parang
20% ang paper loss ko.

@ josh,
BPI lang ang may truly no load mutual fund.
Sunlife gaya sabi ni kithe may option B.
Ang iba, may sales load.. titirahin ka pa on 2 fronts

May front end sales load, kung bibili ka or mg iinvest ka
at may back end, kung ireredeem mo na.

Ang front end, ay nka base sa amt. The bigger the amt
the smaller the fee
Ang back end, ay nka base sa duration ng investment mo,
after x number of months/years, wala nang back end fee.

357 · « **Reply #776 on:** Jul 21, 2012, 09:10 PM »

Tanong lang...., bakit hindi kasama sa businessworld online ang mutual fund ng insular life especially ang equity fund nila? Kung titingnan ang performance halos magkadikit sa Philam Strategic Growth fund.

Salamat sa replies.

mjtfernandez · « **Reply #777 on:** Jul 21, 2012, 10:27 PM »

Hindi po Mutual Fund ang Insular Life Funds. VUL Funds po ito and governed by the Insurance Commission not the SEC.

naya · « **Reply #778 on:** Jul 22, 2012, 05:41 PM »

mxherr5, thanks!
So kahit may paper loss siya, pabayaan ko lang, at baka mabawi niya in several months or a year? Iwidro ko lang yong investment ko if yong price per share niya is equal or more sa pinambili ko? Thanks again...