Author Topic: Investing in MUTUAL FUNDS (Part 3) (Read 115362 times)

mamee · « **Reply #750 on:** May 29, 2012, 09:31 PM »

Quote from: goldengoose on May 28, 2012, 03:19 AM

pero gusto kong malaman kung advisable bang maginvest regularyl regardless of whether mababa o mataas ang NAVS? yung agent kasi ng philamfund sabi mas ok kung maglumpsum habang mababa kesa magpeso cost averaging. how about you guys...what are your investing styles? :-)

Kung may pera ka para mag lump sum - why not?

But, personally I like cost averaging to keep the discipline of investing. Mahirap na, baka maibili ko na naman ng bag yun pera.

Quote from: allanmm13 on May 28, 2012, 05:03 AM

Kelangan ba talaga everyday?
Been topping up on my MFs monthly for many years now and during quarterly review ko lan nasisilip ang NAVPS..

Nope, hindi kelangan everyday pero gusto ko nakikita ko yun navps everyday.

Quote from: goldengoose on May 28, 2012, 03:53 PM

pero tingin nyo, what is the ideal amount of money that we should put in an mf? i know it depends on a person's needs pero kung kayo ang tatanungin...how much and how many percent of a person's cash savings should be invested in an mf? thanks so much!

Wala akong idea how much ideally pero sa ngayon atleast 10% ng income ko ay hinati ko between equity and balanced funds.

Quote from: xyphrus on May 28, 2012, 11:40 PM

@ Golden / Mamee - Nung bago pa lang ako sa mutual fund, everyday din ako nagmomonitor ng NAVPS. Pinipilit kong timing-an. Maglalagay ako kung kelan mababa. Kaso katagalan parang nakaka-praning din yung panay ang tingin at monitor. Biruin mo you'll be doing this for the long term.

xxx Kung gusto mo naman sa mutual funds ka muna since newbie ka pa talaga sa ganitong mga investments. Better talk to an agent para ma-explain sayo how mutual fund works. Personally, I think mas advisable ang mutual fund kapag medyo newbie ka pa lang. Parang mas mahirap kase ang stock dahil sarili mo itong diskarte, unlike sa mutual fund na may fund manager na nagma-manage ng pera mo.

Hindi ko naman balak mag timing sa market kasi talaga lang every last week of the month ako nagta top up (after ko makuha ang sahod ko)

Nagkakataon lang minsan (or, itinataon ko?) na magbabayad din kami sa wedding supplier namin kaya isinasabay ko na rin ang (2nd in a month) top up.

@rencabs - tama po si xyphrus - kung newbie kayo, mas maganda na mag mutual fund muna kayo para makasubok muna sa pag taas baba ng equity

xyphrus · « **Reply #751 on:** May 30, 2012, 12:50 AM »

@ mamee - ah, ok. Natataon lang pala talaga. And hilig mo lang din tumingin ng NAVPS everyday.

By the way, OT question, what do you mean palang wedding supplier nyo? May business ka ba related to weddings?

@ golden - hindi ko actually ma-compute kung ilang percentage eh. Basta every month nagse-set ako ng particular amount to invest in my MF. Pero tingin ko nasa 5-10% siguro. Kalat-kalat din kase mga investments ko. So yung savings ko hati-hati na sila, kasama na dun yung MF. Diversify your portfolio ika nga nila. Pero yung MF ko talaga ang ginagawa kong regular. I always see to it na nakakapag-additional ako every month.

Actually ang plano ko talagang lagyan regularly is Equity and Fixed Income. Mas ok kase for me kung isang aggressive type at isang conservative. But since I started investing na rin directy sa stocks, so yung Balanced na lang ang nilalagyan ko instead of Equity. Kase yung Equity sa stocks din naka-distribute eh. So kung meron nakong direct investment sa stocks, parang parehas na din kung may Equity pa ko monthly. Maganda iba-iba para mas diversified yung investments ko.

And also, i-consider mo din kung kelan mo ba kakailanganin yung pera. Like kung mga 2 yrs from now gagamitin mo na yung pera, then sa Fixed Income or Bonds ka maglagay regularly. Kung mga at least 5yrs, dun ka sa Balanced. Kung mga 10yrs pataas, sa Equity or di kaya buy some shares directly sa stock market. Take note though that all of these are just my views and opinions on how I manage and diversify my portfolio. Different person may vary depending on his/her risk appetite.

mamee · « **Reply #752 on:** May 30, 2012, 02:40 AM »

^Wedding supplier kasi ikakasal ako ulit - same guy... aka Church wedding!

PMT Forum · « **Reply #752 on:** May 30, 2012, 02:40 AM »

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goldengoose · « **Reply #753 on:** Jun 02, 2012, 10:18 PM »

thank you xyphrus for the reply :-) fixed income is the same as bond mf, right? iba lang ang tawag? or is it a different mf altogehter? thank you!

mxherr5 · « **Reply #754 on:** Jun 03, 2012, 10:55 AM »

Pretty much sir. Plus may mga ibang fixed income na may
holdings of preferred shares.(UCPB if Im not mistaken)
and meron silang loans to other companies.

pilgrimpanda · « **Reply #755 on:** Jun 17, 2012, 08:15 PM »

Hi guys, first time to post here. This year I decided to really REALLY be more responsible with my finances. Thankfully I've saved enough emergency funds so I can finally start investing more. Meron na rin ako actually ALFM Growth Fund and UITF sa BPI pero hindi ko sila pinapansin. Hinahayaan ko lang talaga, which is not good hehe, but buti nalang kumita na naman yung capital ko. Anyway I'm planning to get another MF, this time pure equity sana. Can you suggest kung ano mas ok, FAMI or PhilEquity? Mas ok in terms of fund performance, and in terms of gaano kadali or kabilis mag top up, at magredeem ng funds. I don't need to touch the fund within 5 years naman, but just in case kelangan ko lang magredeem. Thank you guys!

kithe · « **Reply #756 on:** Jun 17, 2012, 10:29 PM »

Try mo Sun Life Mutual Funds..

pilgrimpanda · « **Reply #757 on:** Jun 18, 2012, 10:08 AM »

^Talaga? Why SunLife and not FAMI or PhilEquity?

mxherr5 · « **Reply #758 on:** Jun 19, 2012, 01:41 PM »

Kasi taga Sunlife po sya =D
I'd go with FAMI out of the 3 kung performance lang pag uusapan

homebasedinvestor · « **Reply #759 on:** Jun 19, 2012, 07:47 PM »

Quote from: pilgrimpanda on Jun 17, 2012, 08:15 PM

Hi guys, first time to post here. This year I decided to really REALLY be more responsible with my finances. Thankfully I've saved enough emergency funds so I can finally start investing more. Meron na rin ako actually ALFM Growth Fund and UITF sa BPI pero hindi ko sila pinapansin. Hinahayaan ko lang talaga, which is not good hehe, but buti nalang kumita na naman yung capital ko. Anyway I'm planning to get another MF, this time pure equity sana. Can you suggest kung ano mas ok, FAMI or PhilEquity? Mas ok in terms of fund performance, and in terms of gaano kadali or kabilis mag top up, at magredeem ng funds. I don't need to touch the fund within 5 years naman, but just in case kelangan ko lang magredeem. Thank you guys!

I invested in Philequity and so far ok naman, maganda ang returns para s akin, di ko lang maramdaman talaga yun kita kasi sa ngayon napupunta lang s 3.25% n fee, meron din sila statement pinapadala s email every end of the month. Sobrang convenient din yun payment/deposit option kasi pwede s mga ebiz/western union, you can check their website too for your reference. Hope this helps.

hon3ybunch · « **Reply #760 on:** Jun 22, 2012, 11:39 AM »

hello po sa lahat! newbie here.. kaka-introduce lang po sa akin yung Mutual funds and i am very interested in investing here... comment lang po kung anong company ang "the best" when in comes to investing in mutual funds especially stock/equity? any success stories here? thanks po.

missreese · « **Reply #761 on:** Jun 22, 2012, 02:06 PM »

Quote from: mxherr5 on Jun 19, 2012, 01:41 PM

Kasi taga Sunlife po sya =D
I'd go with FAMI out of the 3 kung performance lang pag uusapan

lol oo nga naman hehe.

freefront · « **Reply #762 on:** Jun 23, 2012, 12:45 PM »

Quote from: kithe on Jun 17, 2012, 10:29 PM

Try mo Sun Life Mutual Funds..

kithe- just received notice for the annual stockholders meeting. Tinatamad ako himayin yung proposal na ibaba ang par value ng bond fund from Php 1.00 to Php 00.10 (?). What possible advantages/disadvantages would that bring?

kithe · « **Reply #763 on:** Jul 12, 2012, 11:14 AM »

Quote from: freefront on Jun 23, 2012, 12:45 PM

kithe- just received notice for the annual stockholders meeting. Tinatamad ako himayin yung proposal na ibaba ang par value ng bond fund from Php 1.00 to Php 00.10 (?). What possible advantages/disadvantages would that bring?

Hi, freefront..

Advantage of the proposal na ibaba ang par value ng bond fund from 1 to 0.10 ay para less cost of taxes both for the company and stockholders...

Wala naman daw disadvantages sa mga stockholder..

Actually, bond fund na lang ang di pa naibaba, both equity fund and balanced fund are reduce na ang par value..

mxherr5 · « **Reply #764 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...?