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Category Archives: Savings and Personal Finance

Where should I invest?

What’s a good investment program? Where should I invest? You probably are one of the many who keep on asking the same questions. Dr. Noet Ravalo, former Chief Economist of the Bankers Association of the Philippines, says: “It depends.” That is, it all depends on

How to maximize bank deposits, government bonds

Original article by Dr. Noet E. Ravalo, former Chief Economist of the Bankers Association of the Philippines, published on Philippine Daily Inquirer’s Business section: If you are asking yourself how to invest your modest family savings, while generating, at the same time, some return without

What’s the difference: Bonds vs. Stocks vs. Pooled Funds?

If you’re wondering what the differences are among various investment options such as Stocks, Bonds, and Pooled Funds, here’s a short and easy primer for you. If you want a more detailed discussion of these investment products, head over to our article on Time deposits, stocks,

How to spot fake money

Do you know what makes a Philippine Peso bill a fake? If you don’t, these pointers from the Bangko Sentral ng Pilipinas (BSP) on how to spot fake currency will definitely come in handy. Genuine currency notes are a bit rough in texture while counterfeit

Don’t just save money, save it wisely!

Your cash today will have a smaller value in the future if you don’t guard against inflation. It pays to save and keep some money for the future — you’ll be prepared and won’t need to borrow when unexpected emergencies come up, and you’ll have

Test: What type of investor are you?

Here’s a simple, six-question test to check what type of investor you are. Don’t worry, there are no right or wrong answers. Your score is simply an indication of how you balance risk and opportunity. The corresponding meaning of your score illustrates a suggested mix

UITFs vs. Mutual Funds

Both are pooled funds. Both offer higher returns compared to banks but also are not risk free. Both are measured in terms of the net asset value per unit (NAVPu) or share (NAVPS). So what’s the difference between UITFs and Mutual Funds? A unit investment