Author Topic: CitisecOnline EIP or Mutual (Read 6005 times)

vike · « **on:** Feb 02, 2012, 11:02 PM »

Ano po ang mas maganda sa CitisecOnline EIP at Save and Learn Balanced Fund (SALBF) kung balak ko po mag-invest for 2-4 years?Ano po ang mai-aadvice nyo po given po ang current economic status po ng ating bansa?

Kung sakali po na pareho po silang kikita, saan po ang mas mataas na kita kung kukuhanin ko po sya in 2-4 years?

Salamat po

Decoder · « **Reply #1 on:** Feb 03, 2012, 02:30 AM »

vike ... it depends

kasi sa COL EIP ikaw mismo ang pipili ng sarili mong stocks, so if di mo alam bibilhin mo baka "slow" yung pagtaas ng value ng stocks mo. i say slow kasi in time naman lahat tumataas ang value unless may financial crisis like 2008 almost a year bagsak lahat stocks.

Sa Mutual Funds kasi may fund manager na nagmemaintain so lagay ka lang money then sila na bahala mag-invest. Perfect ito kung limited pa knowledge mo sa stock market and wala kang time magmonitor.

Pero i know most of the people here will agree na mas malaki kikitain mo sa stock market basta bihasa ka.

vike · « **Reply #2 on:** Feb 03, 2012, 10:11 PM »

Ano po kaya ang mas maganda pag 2-4 year term lang po?

kd · « **Reply #3 on:** Feb 07, 2012, 04:10 AM »

... i sugggest citiseconline EIP is best....

i started just last year.... best to attend their seminars. Best thing is to educate ourselves on what is this all about. Usually me mga recommended company .. Go with Big companies to invest with...

why? .. kasi .. ang ROI ko for this year is 13% plus (bank cant give u this much).... now i got 4 portpolio... maganda

ang ROI

so ang projection ko ... my second year will be better.

Keyboardcontrol · « **Reply #4 on:** Feb 07, 2012, 01:42 PM »

NON OF THE ABOVE! PUCHA TICKER NA LANG PUMAPALYA PA SA CITISECONLINE! SA IBA NA LANG KAYO!

semikotne · « **Reply #5 on:** Jun 05, 2012, 01:10 PM »

Quote from: kd on Feb 07, 2012, 04:10 AM

... i sugggest citiseconline EIP is best....

i started just last year.... best to attend their seminars. Best thing is to educate ourselves on what is this all about. Usually me mga recommended company .. Go with Big companies to invest with...

why? .. kasi .. ang ROI ko for this year is 13% plus (bank cant give u this much).... now i got 4 portpolio... maganda ang ROI so ang projection ko ... my second year will be better.

Hello Sir, do they have seminar videos posted online na pede panoorin? Also, I'm interested to join Mr. Bo Sanchez truly rich club but before that basa basa lng tlga muna aq to gain knowledge kasi target ko by next month mka-join na q sa EIP ng Citisec. thanks

mamee · « **Reply #6 on:** Jun 05, 2012, 08:06 PM »

^Marami sa youtube - search mo COL EIP.

Bakit next month pa? Ayaw mo ngayon?

kimerran · « **Reply #7 on:** Jul 03, 2012, 07:58 PM »

New COL Financial Website

teodorec · « **Reply #8 on:** Jul 09, 2012, 02:09 AM »

Quote from: Keyboardcontrol on Feb 07, 2012, 01:42 PM

NON OF THE ABOVE! PUCHA TICKER NA LANG PUMAPALYA PA SA CITISECONLINE! SA IBA NA LANG KAYO!

May bago na sila ngayon web "www.colfinancial.com", medyo may mga inconsistency pa pero maaayos din nyan.

J3Patino · « **Reply #9 on:** Aug 07, 2012, 01:25 AM »

Hi Vike,

Strong recommendation ko is mag EIP ka muna with COL - since at least yun mag hands-on access ka to information. And hands-on ikaw din gagawa. Kapag ikaw hands on ang gumagawa, mas natututo ka.

Ang tendency kasi si mutual fund is place then leave it. In the end, hindi ka naging mas magaling na investor. Ang natutunan mo lang is paano magbigay ng pera sa ibang tao (sa company selling mutual funds).

Good luck sa iyong pagiinvest

kiko2007 · « **Reply #10 on:** Aug 07, 2012, 02:08 AM »

if you have time and patience to study stocks, mag citisec k instead of mf.

i think less ang charges pag direct sa stock brokers. plus, the knowledge you gain in understanding how the market works is a big bonus. if di ganun ka big deal ang learning and ala ka time to learn investing in stocks, go for mf.

allanmm13 · « **Reply #11 on:** Aug 07, 2012, 03:39 AM »

Quote from: J3Patino on Aug 07, 2012, 01:25 AM

Ang tendency kasi si mutual fund is place then leave it. In the end, hindi ka naging mas magaling na investor. Ang natutunan mo lang is paano magbigay ng pera sa ibang tao (sa company selling mutual funds).

I guess we need to understand that MF was never design to be "profiteering" vehicle kung icocompare siya sa stocks. SEC has regulations to make MF to stay on its predefined objectives.
If you want Transparency, go for stocks. If you want Diversification and Leveraging(from other people expertise), you can go for MF.

Normally, lalo na sa karamihan sa ating Pinoy, hindi ganun kalakihan ang pwede iinvest in regular dahil we are getting it from our salary. Kung asa 5K ang kaya mo iinvest, you have a dilemna of concentrating your funds into 1-2 stocks. While sa MF, me portofolio of companies na pinili ang fund manager and his research team.

But since MF is an investment company, it has expenses to sustain its operations and stay profitable na kinukuha from its INVESTORS like ordinary pinoy na tulad ko + from income from its holdings.

BTW, sa investing you can be magaling, as in super galing (tulad ng isang fund manager) but be smart also by using other people's expertise (OPE) on your advantage.

Note: investing in Mf has no guarantee, even of their past historical returns.

pmtmember · « **Reply #12 on:** Aug 07, 2012, 07:10 AM »

better put your money on MF while you study stocks

Taipanwannabe · « **Reply #13 on:** Aug 07, 2012, 07:51 AM »

pmtmember can you put the stock trend/ analysis of LRI in your blog. I wnat to see the progress. last july 31 i saw it was top gainer on the 8th place, yesterday i saw it a wowing top 6 gainer..

Burndvinyard · « **Reply #14 on:** Aug 07, 2012, 02:35 PM »

Why 2-4 years? And why 2-4 years only?

If this is your first time to invest, i suggest you put your hard-earned cash either in mutual funds or UITF first. And then continue with your learning journey about investing in the Philippine capital market.

On the other hand, COL Financial's EIP may also fit into your mid-term goals. But if you do open an account with COL, I suggest that you select only the biggest companies and highly-recommended stocks in your regular monthly/quarterly investment for the next 5 years, at least.