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Best ways to save money for child's future?

shiseido · 21 · 4422

shiseido

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on: Jan 25, 2012, 02:13 PM
hello mga peeps ask ko lng po mga tips from all of you bout ways of saving for child's future/ college fund? 


ferrariEverest

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Reply #1 on: Jan 25, 2012, 02:20 PM
ilang taon na yung bata?
habang lumalaki sya, turuan mo na sya unti unti mag-save at magnegosyo.

para sayo, pag-aralan mo ang ibat ibang pwede paglagyan ng pera (bank products, insurance, online & offline business, stocks/forex/options, etc)

Good Luck!


shiseido

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Reply #2 on: Jan 25, 2012, 02:25 PM
1 year old palang siya.  how about un time deposit ok din kya?


BFXGeneralConsultant

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Reply #3 on: Jan 25, 2012, 02:30 PM
1 year old palang siya.  how about un time deposit ok din kya?

Mag TIME DEPOSIT KA NA.. habang naghihintay...
...turuan ang bata paano magsave ng pera at paano ang tamang pagpapadami ng pera..
kapag ready na time deposit..meron na sya idea at lalo pa nya ito mapalago.. lalo pa aasenso..

Respectfully yours,
BFXGeneralconsultant


ferrariEverest

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Reply #4 on: Jan 25, 2012, 02:34 PM
ok ang time deposit kaso maliit ang returns, unless mejo malaki ang ipapasok mo sa TD.
saka ang pangit sa TD matagal yung terms (yung iba taon para mejo malaki ang interest).

magbasa pa po kayo para mapili nyo yung bagay para sa family nyo at lifestyle&personality nyo.
madami pong threads/subforum dito na pwede nyo pagkunan ng ideas.
if ever u get interested in forex trading, head on over to the forex trading subforum. u can also PM me if u have related questions.

btw, pwede rin pala sa real estate. nakalimutan ko banggitin kanina.


BFXGeneralConsultant

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Reply #5 on: Jan 25, 2012, 02:37 PM
ok ang time deposit kaso maliit ang returns, unless mejo malaki ang ipapasok mo sa TD.
saka ang pangit sa TD matagal yung terms (yung iba taon para mejo malaki ang interest).

magbasa pa po kayo para mapili nyo yung bagay para sa family nyo at lifestyle&personality nyo.
madami pong threads/subforum dito na pwede nyo pagkunan ng ideas.
if ever u get interested in forex trading, head on over to the forex trading subforum. u can also PM me if u have related questions.

btw, pwede rin pala sa real estate. nakalimutan ko banggitin kanina.

Yes, anything that meets your lifestyle..
Thanks Sir FE for additional info..

Respectfully yours,
BFXGeneralConsultant


DonT

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Reply #6 on: Jan 25, 2012, 03:03 PM
Due to this..napa calculate tuloy ako.

For example:

If I had 100,000 pesos when my child was born in year 2000, and I just left it under my pillow, that 100,000 will now be worth  58,296 pesos due to inflation. Nearly half.

But If I invested it in a Stock or Fund which grew like the PSE index...it would have grown to 213,136 pesos instead.

If I deduct the effect of inflation, it will still be 154,840 pesos. Thats ~ 5.5% annual return. Not Bad.

Base on this...maganda talaga mag invest long term sa stocks.


ferrariEverest

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Reply #7 on: Jan 25, 2012, 03:08 PM
d natin alam kung ano magiging future movement/performance ng stocks.
it might not be as 'good' kumpara dati... a few years/decades from now.

saka that's assuming extra money mo lang yung P100k, kaya d mo siya gagalawin mula year2000.
realistically, konti lang ang may extrang P100k. dba nga yung iba walang ipon or d alam kung pano magsubi ng pera.


DonT

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Reply #8 on: Jan 25, 2012, 03:12 PM
d natin alam kung ano magiging future movement/performance ng stocks.
it might not be as 'good' kumpara dati... a few years/decades from now.

saka that's assuming extra money mo lang yung P100k, kaya d mo siya gagalawin mula year2000.
realistically, konti lang ang may extrang P100k. dba nga yung iba walang ipon or d alam kung pano magsubi ng pera.
True...Kaya nga po..example...kasi nung yr 2000....negative 200K ata ako nun..Ha ha ha.


drogonville

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Reply #9 on: Jan 25, 2012, 03:14 PM
mag tabi ng 100 per day or 3k per month or 36k per yr, tapos naka time deposite or savings account na lang


ferrariEverest

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Reply #10 on: Jan 25, 2012, 03:21 PM
True...Kaya nga po..example...kasi nung yr 2000....negative 200K ata ako nun..Ha ha ha.
hahaha. i like your attitude, mukhang masayahin kayong tao.  :D
ok lang yang may negative. ako rin may ganyan dati, mas malala pa. hahaha :D
stepping stones yang mistakes, kaya pwede tayo ngumiti :)

Post Merge: Jan 25, 2012, 03:22 PM
mag tabi ng 100 per day or 3k per month or 36k per yr, tapos naka time deposite or savings account na lang
depende yan Sir sa kinikita ng tao.
kung kaya lagpas P100 per day, mas maganda..


lupin

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Reply #11 on: Jan 25, 2012, 03:27 PM
hello mga peeps ask ko lng po mga tips from all of you bout ways of saving for child's future/ college fund? 
Ang sa kid ko (4yrs old), nilalagay ko sa BDO UITF(equity) 5K/monthly yong EIP ata tawag nila dun. If God willing and I can do this consistently for 16 years, tama lang pang college nya.


ferrariEverest

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Reply #12 on: Jan 25, 2012, 03:31 PM
Ang sa kid ko (4yrs old), nilalagay ko sa BDO UITF(equity) 5K/monthly yong EIP ata tawag nila dun. If God willing and I can do this consistently for 16 years, tama lang pang college nya.
i sincerely hope hindi lang yang UITF ang paglalagyan nyo ng pera for 10+years.
find other instruments to invest in. or iba pang negosyo.
in short, continue to study & look for better returns. MF/UITF returns are far from the best.


DonT

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Reply #13 on: Jan 25, 2012, 03:47 PM
Ang sa kid ko (4yrs old), nilalagay ko sa BDO UITF(equity) 5K/monthly yong EIP ata tawag nila dun. If God willing and I can do this consistently for 16 years, tama lang pang college nya.
Looks Feasible...base sa rough estimate ko..you'll have 2M by that time...400K tuition per year should be fine. Dapat isa lang anak nyo sir.


lupin

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Reply #14 on: Jan 25, 2012, 03:52 PM
Sir FE thank you, I appreciate your concern. I'll do look/study for the best way to maximize the use of my money but for now I think this a good enough for my situation.

@Sir DonT, Oo give and take that I'll continue this route with 10% annually it will be like 2.7M but that time and tuition fee for those expensive Uni's will be like 600-800K, sana maging scholar tong mga kids ko. :)

 Dalawa sila, so I will do one BDO and BPI for the other.


 


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