[mpot]

guys, 100k for 3 months.. any advise where to park the money?
money market , balanced or equity?

[DonT]

Depends on your risk apetite and the % of your 100K against your total portfolio...

If you ask me..at this moment i'll go for Equity...100K

[Leonzky]

Why 3 months? It seems that you'll need it in 3 months. less risk go for bond. but if you won't need the whole 100,000 then invest the difference on Equity or Balanced depending on your risk appetite and with the 3 months horizon UITF would be the choice.

[mpot]

i'll give it to my mom as christmas gift.. just like to invest it somewhere baka kumita pa
Post Merge: Sep 14, 2011, 05:00 PM

Depends on your risk apetite and the % of your 100K against your total portfolio...

If you ask me..at this moment i'll go for Equity...100K

do you have equity fund at bdo? just like to ask lang how much na naging interest mo.. just to give me some idea lang.. thanks for the advice anyway

[DonT]

I got around 17% this year. Anyway, you have to know when to buy and sell.

If its for a gift, then i don't see why you can give her the UITF Equity Certificate as a gift...its as good as cash. Just tell her, that its better to redeem her gift when the navpu is high...coz if it is down...the value of her gift is smaller.

The only problem is that, if you placed the fund, you need to be the one to redeem it also.

[freefront]

^ Easy. Just tell her to command you to go to redeem NOW! when she wants it out of there. With the advice of course to time it when navpu is higher. But with anybody who tried this stuff--- it is counterintuitive. 3 mos. is too short a time.

[tops5450]

I got around 17% this year. Anyway, you have to know when to buy and sell.

aba talo mo pa sir ang LBc bank. Pa burger sir

[DonT]

aba talo mo pa sir ang LBc bank. Pa burger sir

Hindi no...sila guaranteed returns..yung sa akin..hindi guaranteed. Naka timing lang po.

[mpot]

Anyway, you have to know when to buy and sell.

can you enlighten me on this one, is it simply as if mataas yung navpu its safe to redeem your investment?..
Post Merge: Sep 14, 2011, 07:01 PM

^ Easy. Just tell her to command you to go to redeem NOW! when she wants it out of there. With the advice of course to time it when navpu is higher. But with anybody who tried this stuff--- it is counterintuitive. 3 mos. is too short a time.

if the 3 mos time is too short, what can you suggest? thanks..

[freefront]

TD. Eto walang kang idedeliver na linya sa pelikula na-" isang daan sana yan kaya lang..."

ASk about SDA, maybe.

[mpot]

haha... i have td and ang liit kasi ng interest but anyway, pwede din thanks..

[freefront]

^You know what? Your mom might get excited with the thought of managing her own trust account. Try drawing her out on the topic. She might have the ken for it.

[Leonzky]

From a recent experience, start her out with bond fund.

I have a client who placed her pension on a savings account and was complaining of the measly interest from the bank. She was enticed by her daughter to try MF and now her fund will theoretically yield more than 1% in less than a month. Now she wants to try Balanced fund but I am the one trying to convince her to stay with bond as with the recent stock performance.

[mjtfernandez]

Money market since most money market holdings are less than 1 year. If you go otherwise, you might run in the risk of losing your money when you need it. What we are after for is the time (you need the money in 3 months) not the return anyway.

[mpot]

^You know what? Your mom might get excited with the thought of managing her own trust account. Try drawing her out on the topic. She might have the ken for it.

i doubt.. she just want TD.. safe daw kasi..
Post Merge: Sep 15, 2011, 04:54 PM@ mjtfernandez.. if we will talk about returns, best would be equity? followed by balanced then money market? am i right?
Post Merge: Sep 15, 2011, 04:59 PM@ Leonzky thanks for that info.. im not aware sa stock performance eh..