[wiggy]

With the current global crisis, europe, US job unemployment, china's manufacturing decline, somehow a bearish market. Will the current levels of peso MF continue to decline? I'm planning to open a BDO-UITF, though I'm still determining if its the "right" time. Buy low.

Please share your thoughts, thanks.

[allanmm13]

With the current global crisis, europe, US job unemployment, china's manufacturing decline, somehow a bearish market. Will the current levels of peso MF continue to decline?

If it will decline, you can start.
If it will stay flat, you should start also.
If it will go uptrend, you should have started nung declining.

What you see in the news are all perception of the near not the long long term.
Kasi pwede pa ring mag bago ang perception once another boom/bust "event" will happen in just another time in the future.

[DonT]

Anytime is a good time to invest...as long as you do not have any deadlines for redeeming your funds. Kung 5 to 10yrs and investment horizon mo..it should not be any problem. Mag equity ka na. he he.

[mamee]

If it will go uptrend, you should have started nung declining.

 

[wiggy]

If it will decline, you can start.
If it will stay flat, you should start also.
If it will go uptrend, you should have started nung declining.

That's the uncertainty of it all. Its just that for me I'd rather buy at an upcoming up trend or in an early uptrend than in a mid-down trend that will take you to an uncertain low. Well that's just me, given that one can at least determine the trend technically or by fundamentals.

Mag equity ka na. he he.

Meron na po, nagbbalance lang ng risk kaya dagdag ako ng MF.

[allanmm13]

That's the uncertainty of it all. Its just that for me I'd rather buy at an upcoming up trend or in an early uptrend than in a mid-down trend that will take you to an uncertain low. Well that's just me, given that one can at least determine the trend technically or by fundamentals.

"I have 60 professional analysts on my investment department doing research about TA and FA. We have Bloomberg terminals that i paid to get updated news before an ordinary people will know them. Yet, SOMETIMES, i still failed to find the trend" - words from veteran Pinoy Portfolio Manager, during his wealth management workshop here in Dubai

Good luck for those who wanna predict the trends.
Will leave that to my fund manager in my chosen MFs.

[ferrariEverest]

^ predicting a trend is pretty easy, if u know how.
usually, the difficult part is riding it... and riding it as best as u can.

by the way, most people don't know that meron ding disadvantage ang funds/fund manager.
aside from yielding power to someone na hindi FIRST priority ang financial well-being mo.... to put it succinctly.... mahirap imaniobra ang malaking bapor.

individual traders and big fund/institutional managers -- each got + & -

I'm planning to open a BDO-UITF, though I'm still determining if its the "right" time. Buy low.
Please share your thoughts, thanks.

i think you are self-reliant enough. holistically, i think u will do much better trading for yourself.

[wiggy]

by the way, most people don't know that meron ding disadvantage ang funds/fund manager.
aside from yielding power to someone na hindi FIRST priority ang financial well-being mo.... to put it succinctly.... mahirap imaniobra ang malaking bapor.

individual traders and big fund/institutional managers -- each got + & -

True, MF are generally safe, less risk. But in investing: low risk, low return; high risk, high return. It will all depend on your risk appetite. No offense to MF holders (I am a MF holder as well). Its just that all investment vehicles have pros and cons, we choose and enjoy the kind of risk that we want.

i think you are self-reliant enough. holistically, i think u will do much better trading for yourself.

I'd like to continue trading stocks but for now I really don't have all the time because of my work plus while waiting/studying for a good business deal/opportunity,  I'll park it under a new MF muna.

[allanmm13]

by the way, most people don't know that meron ding disadvantage ang funds/fund manager.
aside from yielding power to someone na hindi FIRST priority ang financial well-being mo.... to put it succinctly.... mahirap imaniobra ang malaking bapor.

Yup.. This is correct, lalo na in US settings. Just go to Morning Star research and you will find out how super lousy the performance of the majority of the fund managers vs the benchmark. Probably sa sobrang dami ng MFs there (compared to the number of equity stocks), napaka laki ng volatility ng markets nila just to beat each other's performance.  Dagdag mo pa yung exotic and other financial instruments that keep disrupting their markets.

Sa Pinas naman its quite different scenario, makikita mo kagad sa pifa.com.ph which fund manager are beating the PSE benchmark. Medyo mas maganda pa financial framework sa Pinas since mas nauna nagka crisis here ('97), thus nauna tayo nag adjust bago pa yung '08 crisis.
 

individual traders and big fund/institutional managers -- each got + & -

Yes, this is correct.. Kaya either find a niche kung san tayo pwede.
I dont believe that we can be an Investor and a Trader at the same time. Meron, for sure, na lalamang sa profile pag dating sa capital market.

Isa pang observation, if we will do MFs.. Dont do labas-masok sa MFs, then doing trending,etc, kasi ang fund manager na gumagawa noon sa loob ng fund itself. Para kasing minamage mo ang fund manager mo by doing that. Eh dapat work natin is to INVEST. Sayang ang fees na binayaran sa fund manager kung ginagawa mo yung siya ang dapat na gumagawa



For stocks, you can do that kasi ikaw ang nag-seself manage for your own portfolio.
Note: I burned some equity before ako napunta sa MFs.
Kaya i find out hindi ko forte ang direct stocks, i just settle in my MFs, ever since.  

[guy17]

Yup.. This is correct, lalo na in US settings. Just go to Morning Star research and you will find out how super lousy the performance of the majority of the fund managers vs the benchmark. Probably sa sobrang dami ng MFs there (compared to the number of equity stocks), napaka laki ng volatility ng markets nila just to beat each other's performance.  Dagdag mo pa yung exotic and other financial instruments that keep disrupting their markets.

Sa Pinas naman its quite different scenario, makikita mo kagad sa pifa.com.ph which fund manager are beating the PSE benchmark. Medyo mas maganda pa financial framework sa Pinas since mas nauna nagka crisis here ('97), thus nauna tayo nag adjust bago pa yung '08 crisis.
 Yes, this is correct.. Kaya either find a niche kung san tayo pwede.
I dont believe that we can be an Investor and a Trader at the same time. Meron, for sure, na lalamang sa profile pag dating sa capital market.

Isa pang observation, if we will do MFs.. Dont do labas-masok sa MFs, then doing trending,etc, kasi ang fund manager na gumagawa noon sa loob ng fund itself. Para kasing minamage mo ang fund manager mo by doing that. Eh dapat work natin is to INVEST. Sayang ang fees na binayaran sa fund manager kung ginagawa mo yung siya ang dapat na gumagawa



For stocks, you can do that kasi ikaw ang nag-seself manage for your own portfolio.
Note: I burned some equity before ako napunta sa MFs.
Kaya i find out hindi ko forte ang direct stocks, i just settle in my MFs, ever since. 

sir ano magandang mf mag invest? nag try lang ako ng rtb last feb.. nag invest ako 1M.. meron pa ako xtra money pero nilagay ko sa time deposit, which is sobrang baba ng interest umabot lng ng 3100 hehe.. kakapikon

[hon3ybunch]

Hi everyone!

I'm a newbie and quite interested in mutual fund investment. I did a thorough research on this and already made a decision that I'll invest in sunlife of canada. The question is....WHEN IS THE RIGHT TIMING TO INVEST??? Since I am leaving abroad and will go home for a vacation on the Jan. 2007, that would be the time that I might invest. Is that a good time to invest?

Any tips, info, advice would be most appreciated. Thanks!


 :eek:xiaomei :confused:

for me, anytime.. as long as you are committed and disciplined enough on your investments.

[pepper]

Hi! we're planning to invest sa MF any suggestions what's d "best company" ? Since starter plang kami medyo confuse pa tlga kung UITF ba or MF ang best way na pasukan s investment,,,long term prefered namin,, any advice? thanks a lot...

[homebasedinvestor]

Hi! we're planning to invest sa MF any suggestions what's d "best company" ? Since starter plang kami medyo confuse pa tlga kung UITF ba or MF ang best way na pasukan s investment,,,long term prefered namin,, any advice? thanks a lot...

Hi pepper,

Wag ka na malito, follow your heart, kasi ako nag decide ako based s researh ko at kung ano yun gusto ko, if you want you can try philequity, punta k s website nila www.philequity.net and decide if you will like them, if you like dealing with the bank at meron k account s kanila mas ok din kasi transfer k n lang ng transfer, hope this helps.

[kithe]

Here are the list of MF companies;

ATR- Kim Eng Equity Opportunity Fund – www.mutualfund.com.ph
DWS Deutsche Philippine Equity Fund, Inc.
First Metro Save and Learn Equity Fund – www.fami.com.ph
Philam Strategic Growth Fund, Inc. – www.philamfunds.com
Philequity Fund, Inc. – www.philequity.net
Philequity PSE Index Fund Inc.
Sun Life Prosperity Phil. Equity Fund, Inc. – www.sunlifefunds.com
United Fund, Inc.
Index Funds
Philippine Stock Index Fund Corp.
Balanced Funds
ALFM Growth Fund, Inc.
First Galleon Family Fund, Inc.
First Metro Save and Learn Balanced Fund Inc.
GSIS Kinabukasan Fund
MFCP Kabuhayan Fund – www.mutualfund.com.ph
Optima Balanced Fund, Inc.
Philam Fund, Inc. – www.philamfunds.com
Sun Life Prosperity Balanced Fund, Inc. – www.sunlifefunds.com
Sun Life Prosperity Dollar Advantage Fund, Inc. – www.sunlifefunds.com

[freefront]

Has anybody tried backtesting an MF if it conforms to TA? I mean, TLs, just like true love, shouldn't be discriminatory and should apply to all animals. Right?