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Investing in MUTUAL FUNDS

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Katya

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Reply #120 on: Dec 20, 2006, 08:11 PM
^Thanks! I'll check that out too.


part_timer_lang

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Reply #121 on: Dec 22, 2006, 11:07 PM
Sa mga nabanggit na MFs and other similar products/programs, ano po iyong may pinakamababang minimum?


nailbiter

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Reply #122 on: Dec 23, 2006, 09:43 AM
For GSIS members, minimum initial investment for the Kinabukasan Fund is at P1,000. For the rest, per our running "Philippine Mutual Funds List" Project, it's at P5,000. Check the list as there are several funds meeting this. Two pages pa lang naman yung thread. :)
« Last Edit: Jan 06, 2007, 01:37 PM by nailbiter »


alkansya

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Reply #123 on: Dec 24, 2006, 02:38 PM
basic question po ulit mula sa isang newbie

sa libro ni colayco, paulit-ulit niyang sinasabi ang mutual funds, compounding interest at long term investments for retirement, 10 hanggang 20 years ang tinutukoy niya.

how exactly will i earn from mutual funds, sabi sa previous messages, you earn only if you redeem; so kikita ako pag naibenta ko ang aking mfs nang mas mataas sa presyong nakuha ko, at kadalasan, maganda ang presyo after so many years na? tama po ba ang pagkakaintindi ko?

ibig bang sabihin, i will repeatedly go through the cycle of buying at any time, redeeming when the navps is high and buying again to reinvest my money.

kasi kung retirement ang habol ko, dapat ba pag mataas na ang navps, at ang kita ko ay way above the inflation rate na, dapat bang magbenta na ako?

ngayon naman kung ibinenta ko ang mf's ko at kumita nga ako, ano naman ang gagawin ko sa perang napagbilhan ko assuming wala naman akong gastos na pagggamitan nito?  ibibili ko ba ulit ito ng mf's? e di dapat hintayin ko munang bumaba ang presyo bago ako bumili para may saysay ang pagkakabenta ko at tunay na tumubo ako. tama ho ba? 
 

maraming salamat in advance


part_timer_lang

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Reply #124 on: Dec 24, 2006, 04:16 PM
For GSIS members, minimum initial investment for the Kinabukasan Fund is at P1,000. For the rest, per our running "Philippine Mutual Funds List" Project, it's at P5,000. Check the list as there are several funds meeting this. Two pages pa lang naman yung thread. :)

Thanks ms. nailbiter.  :)
OT: Medyo dami na ako contribution sa GSIS, sa iba naman :D


nailbiter

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Reply #125 on: Dec 24, 2006, 10:03 PM
sa libro ni colayco, paulit-ulit niyang sinasabi ang mutual funds, compounding interest at long term investments for retirement, 10 hanggang 20 years ang tinutukoy niya.

how exactly will i earn from mutual funds, sabi sa previous messages, you earn only if you redeem; so kikita ako pag naibenta ko ang aking mfs nang mas mataas sa presyong nakuha ko, at kadalasan, maganda ang presyo after so many years na? tama po ba ang pagkakaintindi ko?

ibig bang sabihin, i will repeatedly go through the cycle of buying at any time, redeeming when the navps is high and buying again to reinvest my money.

kasi kung retirement ang habol ko, dapat ba pag mataas na ang navps, at ang kita ko ay way above the inflation rate na, dapat bang magbenta na ako?

ngayon naman kung ibinenta ko ang mf's ko at kumita nga ako, ano naman ang gagawin ko sa perang napagbilhan ko assuming wala naman akong gastos na pagggamitan nito?  ibibili ko ba ulit ito ng mf's? e di dapat hintayin ko munang bumaba ang presyo bago ako bumili para may saysay ang pagkakabenta ko at tunay na tumubo ako. tama ho ba? 

Think of your target income in a given span of years. Monitor your fund's performance, see if it can still meet your objectives and let that guide your decision. Kung confident ka sa fund management and you can see na consistent naman ang performance, then just let it ride. Redeem when you're ready, when you need the money, or when you think you have enough for what you've been saving up for.

May nagtanong sa akin via PM kung gaano ka-crucial ang agent sa pagkuha ng MFs. Dito ko na lang siguro sagutin para may input din ang iba. :)

It depends on the investor, sa tingin ko. If you're a seasoned investor and you can shop around for yourself, kudos to you. But if these things are new to you and perhaps the only  long-term investment you're aware of before this are time deposits, it may be better to discuss your goals with an agent. Because you really have to be informed about the risks, find out which fund suits your objectives, tipong ganyan. You need to be properly coached so you know what you're getting into, what you should expect to get out of it, how to go about it. While there are countless resources and references online, who can verify whether you've properly processed the available information? Fyi, you have to pass an SEC Certification Exam to become an Investment Company Representative, just as you need to pass an exam to become a certified insurance agent, kaya hindi rin simpleng gawain yan. :)

@ms. part_timer_lang, you're welcome. Haha, "ms. nailbiter" ka diyan, tigilan mo ako. :harhar:


alkansya

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Reply #126 on: Dec 25, 2006, 12:22 PM
guys,

thank you very much, palinaw na nang palinaw.

pwede ba pa explain lang how one earns dividends sa mf's? so the compounding interest will come from the dividends and the increasing navps?

so kung may extra 10t ako every month and resolve to religiously put that in mf's in the next 20 yrs, tapos on yr 21 decide to redeem, assuming hindi babagsak sa kangkungan ang ekonomiya ng inang bayan nating mahal, am i almost definite to have profits on my money that will definitely beat the inflation rate?

maraming salamat, pasensiya na kung makulit, ganun talaga ang mga tumatanda :)


lowije_dapogs

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Reply #127 on: Dec 27, 2006, 01:59 PM

that's right alkansya, dapat daw talaga ang kuning mga investments e yung mas malaki ang interest kesa sa inflation rate para sure kang meron kang profit habang nakaipit ang pera mo sa kanila... for instance, kumuha ka ng 10,000 shares with P1.00 NAV today, so P10,000 bale yung initial deposit mo... at tumaas ang NAV ng P1.00 yearly. so yung sinasabi mong 20 years na ganung steady (modest) performance, means the NAV by year 2026 is at P20, multiply that by the number of shares you bought (10,000)... the redeemable amount would be P200,000... straight up computation yan ha wala pang compounding. of course, di naman saktong NAV x no. of shares ang mawiwithdraw mo dahil may mga babayaran ka pa rin na taxes chuva. yun dapat siguro ang dapat pa ring idiscuss dito, anu-anong deductions ang ikakarga sa kinita mo at magkano talaga ang magiging net profit mo after the deductions. baka may gustong mag-discuss nito sainyo jan... gusto ko ring malaman... :confused:





nailbiter

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Reply #128 on: Dec 28, 2006, 08:59 PM
On your question, alkansya, as I mentioned in the UITF thread, depende sa company yon kung magde-declare sila ng dividends, depende sa kita nila. And the policy of how dividends are paid may differ, too. Pwedeng idiretso sa investors, pwedeng idagdag sa shares.

lowjie_dapogs, actually, bawas na ang taxes sa NAV. Kaya siya net asset value. Ang mababawas na lang ay yung exit fee o redemption fee. Most funds, if you redeem after a given period, say two years for example, waived na ang redemption fee. Our "Philippine Mutual Funds List" Project thread shows the sales and redemption fees for several mutual funds. You can check the figures there.


alkansya

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Reply #129 on: Dec 31, 2006, 07:00 PM
so, without the dividends, you do not enjoy the great wonder of compounding interest?  meaning from the time you bought your funds up to the time you redeem, kung walang dividends, you redeem the same number of shares pero yun nga with a higher navps than the original navps that you bought them?  without the benefit of dividends, just with the increasing value of navps with time, enough na ba yun to beat inflation?

kung may dividends naman, that means dumadami ang shares ko, PLUS tumataas pa navps with time, so aside from having higher nav per share e mas madami pa share ko, tama? that one i can see compounding interest at work, pero my nagging concern nga e, pano kung walang dividends, will the increase in navps be that substantial, like aabot kaya yun ng 20% kung iwan ko lang ng 10 -15 years?

balak ko kasi magtabi ng pakonti-konti buwan-buwan, (yung di naman masakit sa bulsang amount) yung tipo bang set it and forget it kind of thing, tapos balikan na lang after some time.

tama ba itong iniisip ko?

thank you sa mga replies, happy new year to all!!!!


nailbiter

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Reply #130 on: Jan 01, 2007, 10:52 AM
Compounding talaga ang interest ng MFs, alkansya, with or without the dividends. Whether or not you earn enough to beat inflation depends on the performance of your fund, your holding period, the inflation rate at the time of redemption. Pero kung long-term naman ang investment mo, you may well achieve that.

A target of 20% in 10 to 15 years is very sound. Several funds can outperform that figure in a year.

Magtabi at magpasok ng pakonti-konti buwan-buwan, yung sigurado kang di mo gagalawin o kakailanganin for some time, okay na plano yan.


anthony11

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Reply #131 on: Jan 02, 2007, 08:46 PM

 question po, let say mag i invest ako sa MF ng 5k with a sales load of 2 percent, ito lang ba babayaran ko or may other hidden charges pa? thx  :angel:


the_killer_b

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Reply #132 on: Jan 04, 2007, 06:17 AM
Hi po, newbie here! Thanks for all the info on MF. Sobrang helpful ng forum na toh. Hope i can invest na the soonest.  :angel:


lx638

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Reply #133 on: Jan 04, 2007, 10:42 AM
ewan ko kung tama tong question ko, for example i have 10k. since may entry fees, wise ba maglagay muna ng 5k (assuming 5k is minimum initial), and then saka ipasok ung next 5k? im asking this kasi iniisip ko magtipid pa sa fees. hihihihi does it make sense or pareho rin lng ang kalalabasan or minimal difference lng?

tas, how often ka ba pede bumili ng shares? monthly? weekly?

and usually gano katagal ung process pag mag-iinvest (orientation-application-approval)? pangit kasi schedule ko sa work. mon-fri work, night shift. kaya wala talaga akong free time na nagfo-fall sa business day.

if you're generous enough, pede nyo pa ako pm ng mga sagot.
thanks
« Last Edit: Jan 04, 2007, 10:47 AM by lx638 »


wintan2006

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Reply #134 on: Jan 04, 2007, 11:17 AM
                 sent you pm na ;)


 


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