PMT Forum
Do you want to make money today? :)

where and how can I buy treasury bills/bonds?

proudtobepinoy · 28 · 25228

proudtobepinoy

  • Forum Master 400
  • ***
    • Posts: 406
    • Likes Received: +0/-0
I'm just a small time investor and I'm not confident and brave enough to invest in risky assets like stocks so I just find conservative and less risky alternatives like Mutual funds (specifically bond or money market funds), and time deposits

I am also planning to invest in treasury bills but problem is
I'm not sure where to inquire and buy
Are there brokers for T-bills like in stocks?
Has anyone tried buying t-bills from banks (like Bank of Commerce, BDO, Metrobank, or Philippine Veterans bank) are the bank staff/tellers knowledgeable enough when you inquired about t-bills or they just gave you a blank stare?

Please answer
thank you


Market_Market

  • PMT Jedi 2000
  • ****
    • Posts: 2,006
    • Likes Received: +1/-0
I inquired at Metrobank for Treasury Bill (or Treasury Notes).
The minimum is 1 million pesos.    :(


bella_cor

  • Probie
  • **
    • Posts: 19
    • Likes Received: +0/-0
wala akong makausap na bank branch officer na knowledgeable sa BPI and BDO. nung tinanong ko sila, nagtanong din sila sa manager tapos yung manager pinatawag lang sila sa phone. so ako, never mind nalang. next time ko na pag-aaral pag kelangan ko na maging conservative type.


GoldTrader

  • Guest
Philippine National Bank has treasury bills and bonds. I think their minimum is 400k. I can refer you to their treasury department, if you like. I have a friend there. I can refer you to her.
« Last Edit: Apr 11, 2012, 04:53 PM by GoldTrader »


decapolis

  • Forum Tambay 200
  • ***
    • Posts: 253
    • Likes Received: +0/-0
Treasury Bills are really expensive.

Try to invest in Retail Treasury Bond or RTB, minimum is 5k only. You can invest higher as long as it is divisible by 5k.

PM me for more info ;)


FutureGizmo

  • Admin
  • *
    • Posts: 5,077
    • Likes Received: +5/-0
The target clientele of Treasury Bills are institutional investors or high networth individuals who can place large amounts. For a more "affordable" alternative, go for Retail Treasury Bonds or RTBs. Minimum is indeed P5,000 and is offered in most local banks in the Philippines (assuming, of course this is during the RTB offering period).

Some related reading: How to invest in Retail Treasury Bonds (RTB)


mokoy222

  • Forum Tambay 200
  • ***
    • Posts: 264
    • Likes Received: +2/-0
ang liit ata ng rates ngayon eh malaki lang ng konti sa 2% hindi pa yan kasali ang 20% tax kaya posible papalo ito sa 1% pataas


jenxent

  • Forum Master 400
  • ***
    • Posts: 451
    • Likes Received: +0/-0
ang liit ata ng rates ngayon eh malaki lang ng konti sa 2% hindi pa yan kasali ang 20% tax kaya posible papalo ito sa 1% pataas

sir magkano po ba nag prevailing rate ng rtb ngayon?


mamee

  • Forum Tambay 150
  • ***
    • Posts: 173
    • Likes Received: +0/-0
^same question.

Treasury Bills are really expensive.

Try to invest in Retail Treasury Bond or RTB, minimum is 5k only. You can invest higher as long as it is divisible by 5k.

PM me for more info ;)

Available pa ba ngayon? Saan makakabili nun tig 5k lang? :hihi:


kithe

  • PMT Idol 1000
  • ****
    • Posts: 1,084
    • Likes Received: +2/-0
^ meron naman po sa mutual fund, like gs fund or bond fund.. It is not guaranteed but you can have a return of 7-8%.. 5k lang minimum.. Sa bank mas higher ang required deposit.. :)


mamee

  • Forum Tambay 150
  • ***
    • Posts: 173
    • Likes Received: +0/-0
^Hi, Kithe! :)

Yes, balak ko rin ang bond mutual fund (I have both equity and balanced sa FAMI). But, yun hindi mutual fund - meron ba ganun na 5k minimum lang? Kahit hindi 5k, kahit 10k etc basta less than 50k. :hihi:


kithe

  • PMT Idol 1000
  • ****
    • Posts: 1,084
    • Likes Received: +2/-0
Yes, meron sa sunlife mf, bond and gs fund.. Ask mo sa fami baka meron sila bond fund.. :)


pmtmember

  • PMT Idol 1000
  • ****
    • Posts: 1,441
    • Likes Received: +0/-0
check mo sa website pifa.com.ph kasi makikita mo mga companies doon and kung sino meron bonds. Yong treasury bills I think sa bank


janjanidol

  • Newbie
  • *
    • Posts: 2
    • Likes Received: +0/-0
Eh Anu ba ung bonds? curious lang po....nakakayaman ba yan..kasi kung oo yan na lang din ang gagawin ko.... :thankyou:


pmtmember

  • PMT Idol 1000
  • ****
    • Posts: 1,441
    • Likes Received: +0/-0
Eh Anu ba ung bonds? curious lang po....nakakayaman ba yan..kasi kung oo yan na lang din ang gagawin ko.... :thankyou:

it is a type of mutual fund for the conservative investors. It may give you a good gain than banks usually offer but sometimes you may also lose some money. Lesser yong risk dito kaysa stocks pero lesser than reward compared sa stocks.

Share ko lang tong sa investopedia:

Bond/Income Funds
Income funds are named appropriately: their purpose is to provide current income on a steady basis. When referring to mutual funds, the terms "fixed-income," "bond," and "income" are synonymous. These terms denote funds that invest primarily in government and corporate debt. While fund holdings may appreciate in value, the primary objective of these funds is to provide a steady cashflow to investors. As such, the audience for these funds consists of conservative investors and retirees. (Learn more inIncome Funds 101.)

Bond funds are likely to pay higher returns than certificates of deposit and money market investments, but bond funds aren't without risk. Because there are many different types of bonds, bond funds can vary dramatically depending on where they invest. For example, a fund specializing in high-yield junk bonds is much more risky than a fund that invests in government securities. Furthermore, nearly all bond funds are subject to interest rate risk, which means that if rates go up the value of the fund goes down.

Read more: http://www.investopedia.com/university/mutualfunds/mutualfunds1.asp#ixzz22OPb4kmv


ferrariEverest

  • VIP 5500
  • *****
    • Posts: 5,569
    • Likes Received: +4/-0
No, bonds are NOT mutual funds.

you are specifically referring to Bond FUNDS which are mutual funds/UITF that are invested in bonds.


kithe

  • PMT Idol 1000
  • ****
    • Posts: 1,084
    • Likes Received: +2/-0
^tama po si sir fE..

Kaya lang po kung sa bank ka bibili, medyo may kalakihan ang kanilang required fund or deposit..
Pero kung limited ang fund mo, may other options ka nman, like mutual fund, may bond fund at gs fund na pwede ka mag invest.. :)


happyknappy

  • Forum Master 300
  • ***
    • Posts: 333
    • Likes Received: +0/-0
@mamee, regarding RTB ang mga bangko ay may ibat ibang initial investment..

a year ago I've tried RTB with Allied Bank... initial is 50k with quarterly return of 500+ pesos.

note na may Withholding tax na 20% ang mga ganito..

btw @TS, attend ka ba ng shareholders meeting ?
« Last Edit: Aug 03, 2012, 10:26 AM by happyknappy »


proudtobepinoy

  • Forum Master 400
  • ***
    • Posts: 406
    • Likes Received: +0/-0
Have you guys seen the latest RTB commercial?
here: http://www.youtube.com/watch?v=AX19WXD1mnE
This vid is not mine though

Nakita ko lang siya sa TV
eh do you guys think that the government is starting to target small time investors and the general public?
What do you think about this commercial?





GoodSteward

  • VIP 3500
  • *****
    • Posts: 3,985
    • Likes Received: +4/-0
Have you guys seen the latest RTB commercial?
here: http://www.youtube.com/watch?v=AX19WXD1mnE
This vid is not mine though

Nakita ko lang siya sa TV
eh do you guys think that the government is starting to target small time investors and the general public?
What do you think about this commercial?


Im just worried if yun sa lower end ng society natin assuming cannot grasp the concept of time deposit, paano pa rtb...

Pero this funny and catchy...:) Direct to the point, delivered its message in 30secs...


MadSweeney

  • Probie
  • **
    • Posts: 13
    • Likes Received: +0/-0
Have you guys seen the latest RTB commercial?
here: http://www.youtube.com/watch?v=AX19WXD1mnE

Nice ad :) Napadaan sa thread na ito para silipin ang bond market sa pinas.

Meron bang kumukuha sa inyo ng mga free online courses tungkol sa finance gaya ng sa http://venture-lab.org/finance/? Ang topic this week ay tungkol sa bonds.


Burndvinyard

  • Forum Tambay 100
  • ***
    • Posts: 136
    • Likes Received: +0/-0
Nice ad :) Napadaan sa thread na ito para silipin ang bond market sa pinas.

Meron bang kumukuha sa inyo ng mga free online courses tungkol sa finance gaya ng sa http://venture-lab.org/finance/? Ang topic this week ay tungkol sa bonds.

Yup, there are lots of webinars and online courses offered by Stanford. But lately i'm more hooked up with Coursera. They have an upcoming 10-week course on Personal Financial Planning. For FREE. :-)


Rothschild

  • Forum Master 300
  • ***
    • Posts: 369
    • Likes Received: +0/-0
wala akong makausap na bank branch officer na knowledgeable sa BPI and BDO. nung tinanong ko sila, nagtanong din sila sa manager tapos yung manager pinatawag lang sila sa phone. so ako, never mind nalang. next time ko na pag-aaral pag kelangan ko na maging conservative type.
BPI and BDO ay hindi masyado accommodating to sell T-bills kasi they prefer that you invest sa mga funds nila (MF, UITF) and then sila mag-invest sa T-bills... The rest of the commercial banks are accomodating


Zeidren

  • Junior Member
  • **
    • Posts: 25
    • Likes Received: +0/-0
Does anyone know the rates for retail treasury bonds? May be someone bought recently? :) Or can we use these rates from ADB: https://asianbondsonline.adb.org/philippines.php

Does the bank charge processing fees? Around how much?

Btw, I saw in metrobank website that their minimum for RTBs is now 500k (yeah, malaki pa rin pero pwede na kaysa 1M).
https://www.metrobank.com.ph/treasury_product.asp

Also, for those considering bond funds, research their fees first (trust fee, custodian fee, xxx fee).
For metrobank products ( https://www.metrobank.com.ph/trust_product.asp ), it is around 1% to 2.5%. For example, kung 1.5% yung fees nila at 3.5% ang yeild/rate ng underlying instrument, 2% nalang napupunta sa iyo as investor. Almost half of the income goes to the institution. I believe other institutions are charging around the same fees, better get the direct RTBs if you can afford it.


freefront

  • VIP 4500
  • *****
    • Posts: 4,885
    • Likes Received: +9/-0
RTB? Retail nga yan, so why minimum of 500K? Sa DBP/LDB dati, 5K minimum, sa BPI 25K, tapos tranches of 5K ang subsequent investments. Nineteen ewan naman yang info ko. Siguro 25-50K ang initial investment nowadays?

Published sa newspapers or may banners sa harap ng banks pag may offering. Kung friendly ka sa bank employees, they'll holla at you :)


jcruze057

  • Forum Tambay 100
  • ***
    • Posts: 119
    • Likes Received: +0/-0
possible ba na umabot sa 7% per yr ang interest ng treasury bills?


jerics

  • Senior Member
  • **
    • Posts: 52
    • Likes Received: +0/-0
depende sa market yan..
check nyo every monday afternoon for tbills


http://treasury.gov.ph


IGX

  • Forum Champion 700
  • ****
    • Posts: 761
    • Likes Received: +2/-0
Wala ba discussion about the SMC Bonds na 7.4% ang interest? Anyone getting one?


 


PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • Doni_megaworld: Good Morning! who's online?
    Today at 07:34 AM
  • Doni_megaworld: Hi Guys, who's online?
    Yesterday at 03:08 PM
  • Doni_megaworld: good morning! who's online?
    May 28, 2020, 08:47 AM
  • Doni_megaworld: good morning guys!
    May 27, 2020, 09:47 AM
  • Doni_megaworld: work work
    May 26, 2020, 02:47 PM
  • Niel Jhacoubs: What's good in this afternoon?
    May 26, 2020, 02:01 PM
  • Doni_megaworld: agreed
    May 25, 2020, 03:30 PM
  • Niel Jhacoubs: @lyndrey depende siguro sa seller, so kung mag order kayo online much better na kilala niyo at trusted
    May 25, 2020, 02:29 PM
  • Doni_megaworld: kumusta? sino mga online?
    May 24, 2020, 03:24 PM
  • lyndrey: Do not buy PPE online. Either expensive overpriced or totally damaged or cannot be used
    May 24, 2020, 01:37 PM
  • lyndrey: Online Scammers/online shopping cheats are active with stay at home regimen.
    May 24, 2020, 01:34 PM
  • Niel Jhacoubs: @razee22 Parang di na po nacoconvert into money ang load po.
    May 12, 2020, 04:07 PM
  • razee22: any advised or recommendation?
    May 12, 2020, 11:16 AM
  • razee22: Paano po ba iconvert ang load into money like Paypal, Paymaya or Gcash?
    May 12, 2020, 11:15 AM
  • razee22: paano po ba iconvert ang load into money? Paypal or Gcash
    May 12, 2020, 11:14 AM
  • Niel Jhacoubs: Hellooooo, okay lang ba kayo dyannnn?
    May 11, 2020, 11:40 AM
  • theimprobableone: hi
    May 05, 2020, 11:37 AM
  • freelance_treasure_hunter: hello all...
    Apr 28, 2020, 04:26 PM
  • Niel Jhacoubs: Can someone save me?
    Mar 24, 2020, 01:39 PM
  • Niel Jhacoubs: I'm tired.
    Mar 24, 2020, 01:39 PM
  • Victorvargas: Hello sa lahat po new lang po dito. Hope na marami matutunan ako about business.
    Mar 21, 2020, 09:43 PM
  • Niel Jhacoubs: Yoh, its been a while.
    Mar 17, 2020, 10:33 AM
  • demi07: Hello everyone! New in pinoymoneytalk :)
    Mar 14, 2020, 01:24 PM
  • theappswitch: Hi!
    Feb 25, 2020, 03:14 PM
  • mike2020: hi po sa inyo lahat
    Feb 23, 2020, 11:52 PM
  • Jayjayqwe: hi po
    Feb 19, 2020, 11:27 PM
  • tirs d pip: hello
    Feb 18, 2020, 02:32 PM
  • Ace1105: Hello sa lahat...  :hello:
    Feb 07, 2020, 09:46 AM
  • FREYAHYARA: Anyone knows where Ig shops like styledom.ph, thriftme, instashoppeavenu and the likes get their items for selling. Would like to venture in the same business but would like to know where and who the suppliers are
    Jan 28, 2020, 09:38 PM
  • Niel Jhacoubs: To bpc85 kung nakalagay ang inyong names sa beneficiary list ng iyong ama kay may makukuha po kayo.
    Nov 28, 2019, 02:18 PM
  • Niel Jhacoubs: Hellooooo, its been a while. :)
    Nov 28, 2019, 02:16 PM
  • miakashidou31: hi , meron po ba ditong nagta transfer sa paypal?
    Nov 05, 2019, 01:46 PM
  • whennedy: good noon po
    Oct 18, 2019, 12:04 PM
  • edzlpdac: goood day po sa lahat!
    Oct 12, 2019, 03:37 PM
  • bpc85: ask lng sana ako kung may makukuha ba kami ng Mama ko at ako or mga kapatid ko sa benepisyo ng aming Ama bilang membro ng AFPSLAI. thank you po.
    Sep 27, 2019, 12:52 PM
  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM