[naldcagape]

Where can I buy bonds now? What's the normal placement amount and yields? I hope there are high-quality bonds in the market.

[koraparoko]

Try mo sa PNB pare

[DonT]

I think the minimum nowadays is 1M...if not 5M. Returns are prolly around 5 to 6%..for 5yrs.

Alternatively..mag MF or UITF ka na lang.

[GoodSteward]

Try mo habol BDO Tier 2, kung sa tingin nyo feasible, sa bdo mismo, hannggang this week nalang ata, 6-6.5% daw rate 10 years, with call option of 5 years, minimum is 500K....

[DonT]

^Yup..with the impending threat of a Financial turmoil in 2012...this will be a good place to invest.

[naldcagape]

Thanks for the options. I will look into these.

[lifeinsurance]

Another option is a variable unit-linked life insurance policy, aka, VUL, which typically allows you to select the type of fund (e.g. 100% bonds) while offering you protection benefits. If you don't have 1M or 5M, your option is to go with pooled funds such as VUL, MF, or UITF. Plus, you take advantage of the scale that these funds have (some of them manage billions worth of bonds), and the skill of the fund managers (they typically have years of experience in dealing with bonds that they can fall back on).

[naldcagape]

Another option is a variable unit-linked life insurance policy, aka, VUL, which typically allows you to select the type of fund (e.g. 100% bonds) while offering you protection benefits. If you don't have 1M or 5M, your option is to go with pooled funds such as VUL, MF, or UITF. Plus, you take advantage of the scale that these funds have (some of them manage billions worth of bonds), and the skill of the fund managers (they typically have years of experience in dealing with bonds that they can fall back on).

i know you want to promote your stuff and that's not bad but please read the forum rules and stay on topic. if i wanted info on life insurance, i would've asked for it.

[scion02b]

Try mo habol BDO Tier 2, kung sa tingin nyo feasible, sa bdo mismo, hannggang this week nalang ata, 6-6.5% daw rate 10 years, with call option of 5 years, minimum is 500K....

^Yup..with the impending threat of a Financial turmoil in 2012...this will be a good place to invest.

Quite the contrary... in case there would be a financial  turmoil and BDO will be affected (as financial institutions are likely interconnected), investing on Tier 2 bonds may be very risky.  Tier 2 bonds is a form of subordinated debt; it has even lower priority than bank depositors.

[DonT]

Quite the contrary... in case there would be a financial  turmoil and BDO will be affected (as financial institutions are likely interconnected), investing on Tier 2 bonds may be very risky.  Tier 2 bonds is a form of subordinated debt; it has even lower priority than bank depositors.

We must try first to understand what Tier2 bonds are. And our banks in the country are not the same as in US or Europe. They are far more conservative.

[lifeinsurance]

i know you want to promote your stuff and that's not bad but please read the forum rules and stay on topic. if i wanted info on life insurance, i would've asked for it.

It's on topic. You were talking of buying bonds, and someone else mentioned MF and UITF as an alternative if you don't have the minimum amount, and I pointed out VULs as an alternative too since all three MF, UITF, and VULs have bond funds.

Also, I would recommend looking at these:
List of Government Securities Dealers as of February 17, 2011 - these dealers trade in treasury bills and bonds
What are Treasury Bills - this has a listing of some banks with contact numbers of their treasury dealing departments

[ms_practicality]

There are others who offer a fixed rate corporate bonds at 5, 7 and 10 years with different interest rates. I'd like to know if it is still subject to withholding tax? TIA

[bauer]

^ yes all bonds are subject to witholding tax as a standard but there are exemptions i cant give any details here because professionals in tax needed to earn their keep.

[geloboy1184]

^ yes all bonds are subject to witholding tax as a standard but there are exemptions i cant give any details here because professionals in tax needed to earn their keep.

Sir bauer, can you PM details? thanks and more power!

[nanashi]

One of the exemptions are Corporate Bond with 5 years and 1 day up maturity.