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Investing in MUTUAL FUNDS

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nailbiter

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Reply #285 on: Jul 07, 2007, 03:43 PM
He's a good speaker, very effective. Thank you for sharing. :thankyou: I wanted to watch the videos for myself because I was worried na baka may overpromise. Pero wala naman mali sa figures na binigay niya, actually napaglito mo lang yung sample story ng nag-invest ng 20K for 6 years don sa 50M projection. Possible din naman yung 50M projection niya, ang binigay lang naman niyang detail e daily investment of a certain amount to get to the target in a given time period. Kulang nga lang ang variables. Projection lang naman yon, pero mabuti nang linawin natin at baka mag-expect tayo nang mas malaki. Kahit pahapyaw, nasabi naman niya in his talk na returns are not guaranteed. Ang subject nga naman ng talk niya is to impress upon the listeners the need to "create multiple income streams" and that there are in fact other ways to save money than keeping it solely in the bank. But since here we're specifically talking about mutual funds, kailangan natin i-emphasize kung ano ang realistic expectations natin at kung anu-ano ang kaakibat na risks. :)


Jayzone

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Reply #286 on: Jul 07, 2007, 04:03 PM
yeah thats true kasi nga naman as a beginner like me eh ganun nga magiging expectations hehehe ung mga pabiglabigla without taking enough information kaya maraming naloloko..ako nga naloko na sa kagustuhan makaabroad nawala nag 50thou ko huhuhu pro God is good kasi mas maraming blessing na dumating after na ma 123 ako hehehe Thanks again for the MUTUAL FUND achuchu dami ko tlgang natutunan..sige paguwi ko maginvest na siguro ako kasi mas maganda kung ako mismo pupunta sa mga office nila.pag online kasi d ko kabisado since d naman ako ganun kagaling sa computer hehehe..by the way pano po nila nacocompute ung mga market value..ano nagiging basehan nila at nakakapag arrive silang amount na ganun..i mean how did they come up with that kind of price...as in mga pera po ba lahat ung nakalist sa mga stock market?i mean lahat po ba un eh literaly Pera


nailbiter

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Reply #287 on: Jul 07, 2007, 06:33 PM
Yung total assets ng fund (cash, bonds, stocks, anuman) less taxes, fees, other expenses divided by the number of shares in the fund, don nakukuha ang NAVPS (net asset value price per share).


h3nry

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Reply #288 on: Jul 07, 2007, 07:21 PM
 :D
Hello Po... bago lang po ako dito.. plan ko kasi mag-try sa mutual funds..
I heard it matagal na pero.. it seems to be me very risky.. until I meet my officemate and we both discussed this mutual funds...
pero mas gusto ko pang mag-research about it..
I have few questions:
Whats the good initial investments.? I plan to invest 10T pesos muna.. pero i worried about sales loads and charges.. Bakit may mga extra charges and baka hindi healthy to invest into smaller amounts..
« Last Edit: Jul 14, 2007, 12:23 PM by nailbiter »


the.oracle

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Reply #289 on: Jul 07, 2007, 07:59 PM
h3nry, any amount that you can afford to invest in MF's is good enough.  If you have access to MF's abroad you can find some with no loads. But if you only plan to invest here in the Philippines, wala kang choice but to pay commission kasi as far as i'm concerned parang lahat yata nf MF dito ay may load (correct me if i'm wrong).  I don't think you should be worried about sales load and charges because if you're in for long term investing and if the MF fund manager is good naman, mababawi mo lahat ng charges nila.  Happy investing!


nailbiter

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Reply #290 on: Jul 07, 2007, 08:23 PM

lahat yata nf MF dito ay may load (correct me if i'm wrong).  


No load funds: Sun Life Prosperity Money Market, Philippine Stock Index Fund, Ayala Life Fixed Income, Dollar and Euro Bond Funds.

the.oracle is right, h3nry. Basta kumikita ang fund mo, madaling mababawi ang sales load.


sardonyx

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Reply #291 on: Jul 08, 2007, 06:52 PM
Taken after the basic accounting equation: Assets - Liabilities = Total Capital (Total Capital or Shareholders' Equity which is further composed of the company's common stock/preferred stock issued and outstanding and retained earnings)

Kaya yung total capital or net worth is divided by the total number of shares outstanding to come up with the NAVPS (net asset value per share).
« Last Edit: Jul 13, 2007, 07:38 PM by nailbiter »


yellowminded

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Reply #292 on: Jul 09, 2007, 03:30 PM

I plan to invest 10T pesos muna.. pero i worried about sales loads and charges.. Bakit may mga extra charges and baka hindi healthy to invest into smaller amounts..


if sales loads are a big deal to you the way they are to me, you could look into unit investment trust funds (UITF) which has its own thread here in these forums. They do not have sales loads.

IMHO, mutual funds and UITF's are quite comparable in terms of their performances in the past couple of years. but don't take my word for it. do your homework and know the risks. UITFs still do charge management fees like mutual funds do. a comparative assessment of the fees from the different companies is a pretty good exercise. you can also check their financial statements to assess how much money they spend to make money for you.

hth. :)


nailbiter

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Reply #293 on: Jul 11, 2007, 10:27 AM
Thread now locked for reaching 20 pages. New thread here.
« Last Edit: Jul 14, 2007, 12:32 PM by nailbiter »


 


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