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What do you think about this?

mon116ph · 10 · 2196

mon116ph

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on: Jan 15, 2012, 07:03 PM
Now I learn the value and importance of money,too bad Im stupid and late na akong nag aral about investing.Gladly Pinoymoneytalk changed my attitude.

Now what do you think about this:

I got money (capital contribution & savings) in our company cooperative.

Last year my total savings & cap.contribution peg to 50K and I got P 3,200 dividend (for twelve months that my money was deposited in the coop).

Ayos lang ba itong itong kita ng pera ko sa cooperative? Or do I need to put my money in other mutual fund or UITF offered by different institutions.

Do you think that 50K with a P 3,200 is a decent income per annum compared to other instruments?

Right now I doubled my savings and cap.contribution and still waiting for the annual dividend report?

Do you think good investment ba itong ginawa ko or mag-aral pa ako about mutual fund and UITF dahil mas malaki ang paglago ng pera ko compared sa Coop savings.

Sorry talaga po napaka newbie ko lang sa investing at ngayon ko palang pinag aaralan ang in and outs ng MUTUAL fund and UITF at the age of 32 years old.

Help naman po.


moto461

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Reply #1 on: Jan 15, 2012, 09:32 PM
6.4% dividend.. not bad.  pwde PM mo sakin name ng Coop para mag invest din ako...   TIA   


Archcavalier

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Reply #2 on: Jan 16, 2012, 04:34 AM
3200 per annum. for me honestly not good.

Better you save your money and place in Mutual Funds.

Then again you have to look at your appetite.

Where do you want to be? (what is your goal, 1,2,3,5 or 10 year goal)
Where do you want to go? (short term, medium term, long term, only source of income, retirement fund)
How much are you willing to lose? (Can you stomach the fluctuation?)
How do you find bankruptcy? (worst case scenario, you may lose everything including the cloths at your back)

you also have to consider you.

Your Job, Your Health, Your children, Your next meal perhaps.

Then only decide how much you are willing to spend.

I suggest you get to know more about the instrument, the companies that offer those instrument then only decide.

At the end of the day, its your money its entirely up to you.



bauer

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Reply #3 on: Jan 19, 2012, 10:58 PM
Your risk is high investing your money in a coop fund and your return is low.

It's better to get a uitf or mutual fund. Your risk is lower compared to coop but the potential return is higher


The_Capitalist

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Reply #4 on: Sep 11, 2012, 05:35 PM
There are a lot of cooperatives that yield higher than 6% annually. But 6% is NOT that bad at all compared to the interest rate offered by banks.

There is always risk and the risk is the same whether they are cooperatives, businesses, UITF or mutual funds.  

All of them have their OWN SET of risks. And all of them hinge on STRONG ECONOMIC FORCES.
  
Note that SOME UITF and mutual funds perform satisfactorily but others DO NOT.

Take your time to study all of them well.  Invest your money where they will yield more NOT less. And ALL of them are good investment vehicles.

I'm a member of a cooperative with a 9-13% annual returns.  Way back then, the annual return is 25%.  I blame the economy.  I have also invested in a business that yield me 15% annual returns for a five-year period.

There is so much you can do and so much opportunity.
  
« Last Edit: Sep 11, 2012, 05:38 PM by The_Capitalist »


pmtmember

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Reply #5 on: Sep 11, 2012, 09:03 PM
ok na yan for a start. Pag medyo malaki na money mo pwede ka mag diversify sa other vehicles.


Sans

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Reply #6 on: Sep 11, 2012, 09:06 PM
Better late than never to start learning about personal finance. The fact that you are willing to learn and to ask for help already puts you ahead of so many others who only think they know how to handle money :)

I agree with Archcavalier's advice, and would like to add that it is important for you to have an emergency fund before thinking at all about investing. More so if you have family depending on you. If you have debts, pay them off as soon as possible.

Don't be blinded by promises of high returns. Remember, the higher the return, the higher the risk.


freelancer_babe

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Reply #7 on: Sep 11, 2012, 09:33 PM
mon116ph,

why not diversify your investments? instead of choosing one over the other?

pwede namang may money kang invested sa coop. tapos you have money invested rin sa mutual funds and/or UITF. that way if coop gets into trouble, may huhugutin ka pa sa mutual funds and/or UITF.

sabi nga don't put all your eggs in one basket! very much true in investing.

so you have funds that are high yield, and funds that are just performing ok.

yung sa coop mo, it's not too high, assuming that P3,200 is your yearly dividend. A little over 6% ang interest - just a bit over the current inflation rate (3.8% on August 2012).

actually madali lang aaralin sa UITF and mutual funds because you have fund managers doing the investing for you. intindihin mo lang yung mga fees, and that there are different flavors of UITF and mutual funds - high risk-high return, balanced and conservative ones.


theEdge

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Reply #8 on: Sep 11, 2012, 10:01 PM
mon,kung titignan mo sa short term maliit ang 6.4% lalo na at maliit pa capital natin (50k).just dont expect big returns from that .dapat tayong maliliit pa ang capital ang view natin dapat long term para magamit natin ang power of compound interest.if you compound your capital (50K) adding same amount annually for 30 yrs compounded at annually at 6.4 % alam mo ba after only 30 yrs magkano na yan?4,835,681.57!yan ang pera mon!isa pa mas risky ang cooperative dahil maliit lang capitalization nyan compared sa isang mutual fund or uitf na billions ang capital.
« Last Edit: Sep 11, 2012, 10:04 PM by theEdge »


The_Capitalist

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Reply #9 on: Oct 02, 2012, 01:12 PM
I agree with theEdge about the power of compounding interest.  You may apply that with stocks, UITF, mutual funds and other investment vehicles.  

But be prepared for the BEAR.  I hope its always a BULL.

With cooperatives, you cannot exercise the power of compound interest. You may apply ONLY UP TO THE AMOUNT of subscribed capital share of the cooperative, beyond that NOTHING MORE.  

Steady income? Yes.
Compounding? No.

Secondly, the capitalization of cooperatives are SMALL.  Simply because the CDA and the Philippine Cooperative Code of 2008, as far as I know, LIMITS that capitalization.  Why so?  Because cooperatives may apply for TAX EXEMPTION.

What if the cooperative goes way beyond the allowable capitalization?  Then they will NO LONGER reap the benefits of being tax-exempt and under the Law that cooperative is now TAXABLE and will be treated like any other investment vehicle that is also taxable i.e. mutual funds, UITF etc.
« Last Edit: Oct 02, 2012, 04:23 PM by The_Capitalist »


 


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