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Investing in MUTUAL FUNDS

a_lacsa · 294 · 123014

Ping

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Reply #90 on: Jun 07, 2006, 08:45 PM
oo nga, sino pwede mag bigay ng Tutor 101 re First Metro? 


@nailbiter, diba mother mo ba ang connected sa SunLife Investment?  Ok ba or advisable ba if months lang ang placement?


 :rolleyes:


nailbiter

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Reply #91 on: Jun 08, 2006, 08:10 AM
Sa MFs? To really make it worth your while, it's better to leave it longer than a few months. Lalo na pag shaky ang market. May sales load din kasi so maigi, pakitain mo muna. May isang option sa Sunlife na exempt na sa exit fee pag lagpas two years na yung investment. Choice mo naman upon buying the MF kung gusto mong front-end o back-end yung sales load.



kahel

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Reply #92 on: Jun 22, 2006, 04:17 PM
Ay grabe!  :eek:  Nakikisakay nga lang kami sa MF ng sister-in-law ko.  BUmagsak pa lately.  Sana gumanda na ang takbo ng market para mahatak na ulit.


Mike QC

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Reply #93 on: Jun 22, 2006, 07:32 PM
Well, that's the way it is in MFs at volatile din sila. It also depends which type(s) you have.  Ito ngang mga sa akin based on my experience, minsan loss talaga yung iba by year-end BUT the succeeding years naman either nakabawi or sobrang bawi naman.  Basta kailangan lang talaga pag MF's you gotta make sure your goal is long term at hindi yung 1 or 2 years lang (make it at least 10 years or longer as much as possible) and of course you should be highly diversified.  At dapat DON'T panic kung may loss ka.... I even increase my NAVs pag bear ang market.  (For example... If I have been investing $100 per month, I would make it $200 per month during bear markets). Just imagine itong mga sa akin since 1993 pa ako nag start and I was really young during that time and now I'm reaping the rewards for my patience and perseverance.  I quit working since I was 32.  I'm not saying that I am rich because I am NOT. Ang masasabi ko lang is I am comfortable enough & more relax now with my life and got more quality time for my family and myself.  Remember, the ideal life is you should make the money work for you instead of you working for the money.   


gr8collector

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Reply #94 on: Jul 04, 2006, 04:53 PM
thats the way to go Mike.  Passive income is the best kind of income.  Dapat talaga pag mutual funds long term and thinking ng investors.  historically speaking, kikita ka talaga dito compared kung nakatulog ang savings nyo sa bank.  there is a bit of a risk factor though pero IMO maliit lang. 
I myself just keep enough cash in the bank for 3 months living expenses and the rest kung saan saan ko na inilalagay (UITFs, MFs, HYIPs, MAs).  I just make sure na diversifies para kung meron man lang bumigay, madami and sumasalo.


pinkguitar

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Reply #95 on: Sep 18, 2006, 01:41 PM


any updates on mutual funds, guys?  :confused:


FutureGizmo

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Reply #96 on: Sep 18, 2006, 02:11 PM
Anong klaseng update po ang hanap mo sa mutual funds, pinkguitar? ;) Ang performance ng mutual fund ay depende sa mutual fund company at sa klase ng mutual fund investment under that company. You can download the updated returns of mutual funds in the country in the INQ7 Money site.


Pyramus

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Reply #97 on: Oct 16, 2006, 01:06 PM
Interesting ... nakaka enganyong mag-invest any recommendation sa stable & reputable MF company?


Pyramus

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Reply #98 on: Nov 06, 2006, 12:49 PM
Hi guy's im interested to invest sa MF under kabuhayan fund.  I'll be coming back to phils. this wednesday kase so i'm planning to personally dropby the office at makati.
Pero was planning to invest at s small value first.  Tanong ko lang po kase di ko pa try invest s mga offshore investments na ito once i invested in this small amount does it mean na i need to invest monthly with the same value? or can I suddenly increase the investment a few months later?  Do i need also to pay monthly what would happen if i suddenly stop few months and reinvested again after a few months?  Pasensya na po hingi lang po ng guidance.  :confused:


FutureGizmo

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Reply #99 on: Nov 06, 2006, 01:33 PM
Most mutual funds (MF) in the Philippines offer one-time investment deposits that do not require reinvestments. That is, investing in installments is your choice, you can choose not to reinvest after you have made your initial investment. Just ask the MF what their policy is regarding additional investments. Some MFs require that you submit a signed form when you make an investment so if you reside outside of the country, you will have to mail the signed form or ask a proxy to submit it on your behalf.


xiaomei

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Reply #100 on: Nov 07, 2006, 12:32 PM
Thanks FutureGizmo for the sound advice :clap:

Mmmm, can't wait to go back home and invest....and I'm really glad I found this website. Just registered the other day pero I learned a lot na from the postings of the other members :clap:

BTW, to nailbiter, I read that your mom is an agent of Sunlife, how can I contact her? I'm in south of China right now and will go home on Jan. 2007 for a vacation.

xiaomei


nailbiter

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Reply #101 on: Nov 07, 2006, 12:41 PM
I'll PM you her e-mail address. I can give you her office and/or mobile number too if you would prefer to talk to her in person. Kindly PM me your name mo so I can tell her to expect to hear from you.


Pyramus

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Reply #102 on: Nov 07, 2006, 01:32 PM
Thanks FG for the info... kahit papaano medyo naintindihan ko na konti mechanics ng mutual funds.  How about dividend? How do you acquire the dividend base sa performance ng fund. How do we profit in case we invest in mutual funds do we just need to sell our shares at higher NAV to profit either gain or loss  :confused: Or there is an annual profit sharing distributed to investors?  


nailbiter

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Reply #103 on: Nov 07, 2006, 01:39 PM

How do we profit in case we invest in mutual funds do we just need to sell our shares at higher NAV to profit either gain or loss  :confused:


Yes, Pyramus, that's it. Until you redeem/sell your shares, unrealized pa yung gain/loss on your purchase price.


Mike QC

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Reply #104 on: Nov 07, 2006, 02:19 PM
Guys para hindi kayo paulit-ulit, go to page 4 of this thread about the mechanics of mutual funds which I outlined previously.  Investing in MF's should always be long term (preferably no lower than 5 years and the best is 10 years or more talaga) otherwise it's USELESS.  Don't just focus on the local market only because you will be at the mercy of the highly volatile philippine market, economy, inflation, the value of the peso, politics and so forth.  Go international too and be highly diversified..... again by categories & sectors.  Don't pay much attention on those fees and the volatility of the stock/bond market.  Kung pwede, close your eyes then wake up after 5 or 10 years and see how your investments have grown 10-fold (depending on the performance of your fund)......that's the way it works here.  Kaya nga merong fund managers kasi sila na ang bahala sa investments nyo.  ;)          


 


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