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Investing in MUTUAL FUNDS

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Wynn

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Reply #105 on: Nov 07, 2006, 02:58 PM
^ what an advise! a good one by the way ;)  just remember however to check from time to time your fund don't rely on fund managers alone.  


Mike QC

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Reply #106 on: Nov 07, 2006, 05:36 PM
Thanks wynn.  yup of course you'll have to check your funds' performance din naman periodically specially if you're in the high risk categories and/or sectors such as aggressive growth funds and small-caps.  You can sleep tight for 5 to 10 years if you got those US large caps & index funds ;)


wintan2006

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Reply #107 on: Nov 08, 2006, 10:41 AM
                      Correct kayo dyan wynn and Mike,that's why i invested in mutual fund kasi I work and don't have time to check the performance everyday unlike in stocks.I have a friend who managed a kindergarten school before and at the same time invested in stocks,syempre dapat alagaan nya stocks nya,then one day namulat na lang sya na unti unting kumukonti ang students nya kasi naging pabaya na sya.Then she decided to sell her school  :-[Kasi  di na sya naka focus sa work nya.


richmond

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Reply #108 on: Nov 19, 2006, 11:43 AM
So happy there is a forum that is informative about mutual funds, though mostly in the Phils.  very interested in dollar-denominated mutual funds, too.  Plan to invest substantial funds in pesos and dollars.  would like to know what funds offers some sort of protection against losses, like insurance coverage, etc.  Played the stock market from 1995 up and got burned in the '97 asian financial crisis.  

For dollars, would be happy to net 7% and with pesos, net of 15%.  will continue to read suggestions and then decide with at least 2 or three funds to invest- to further spread the risk.  More power and back to watching the Manny-Pacquia fight.  More power to you all!!!


eeyore91833

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Reply #109 on: Dec 13, 2006, 11:00 AM
Hi! Grabe! ang dameng experts on investm,ents dito. I don't have a single investment except for my online buisness (selling online). I hope someone can help me regarding my questions.

I am still confused on where I should invest 10,000 pesos. Should I invest right now even if its just a small amount? Or should I wait when I have a larger amount? Would it be better to invest in the Kabuhayan Fund or with  Sunlife?

It would be ok with me if the money is not withdrawable withn a certain period.

Please help... :)

Thank you in advance



spiderman

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Reply #110 on: Dec 13, 2006, 02:03 PM
Ako naman, Im planning to get P10k from my Bonus this month... Id like to start from it. And since location wise, malapit ako dito sa Sunlife office nila sa Makati. I'd try to invest it with their Bond or something...

And im planning to put add na lang quarterly, (hopefully 5k).



Well, hopefully Im on the right track.


investorsportal

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Reply #111 on: Dec 13, 2006, 05:10 PM

It is always very better to start early than late, meaning at a young age rather than at a later age, due to the power of compounding.  It is also better to start somewhere than nowhere at all  :-D

I'm very proud of spiderman and eeyore91833 who are already thinking of saving for their future ( I hope!)

Please do remember tho, that the funds you're both thinking of are in the arena of mutual fund which doesn't guarantee returns of your investment. Your participation is valued using the Net Asset Value Per Unit (NAVPU), which is market-determined and computed using the daily mark-to-market valuation of net assets divided by the number of outstanding units.  The fund's risk lies in this method, because it causes the NAVPU to fluctuate everyday, making investments held by the fund to gain or lose on any trading day.

Sounds tiring??? Well, you have to know what you are getting into or else if something should not go as you've wanted it to be, you'll be the first one to cry foul and curse the guy who introduced you to this programs. I bet you  :hihi:

Please look up or search "Mutual Funds" on the net for clearer understanding.


Katya

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Reply #112 on: Dec 18, 2006, 08:32 PM
Hi guys! First post ko 'to dito although I've been reading the thread for the past 2 days. Thanks for the very informative discussion.

May question ako...Gusto ko sanang mag-invest ng P100K in mutual funds starting January.  Pinag-pipilian ko ang Sun Life Bond Fund, Philam Bond fund at PhilEquity.  Advisable ba na i-divide ko yung P100K sa kanilang tatlo - for example, P25K sa Sun Life, P25K sa Philam, at P50K sa PhilEquity? O mas mabuti kung sa isang company lang ako mag-invest?

Isa pang tanong based on your experience - between Sun Life, Philam at PhilEquity, ano ang pinaka-convenient pagdating sa additional investment? Kasi, after the initial investment, balak ko sanang magdagdag ng P5K a month. Gusto ko sana yung convenient - yung pwede lang i-deposit yung money sa isang bank at hindi ka na kailangan makipag-meet sa account officer.  Any ideas?

Thank you ulit sa advice nyo!  :azn:


investorsportal

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Reply #113 on: Dec 19, 2006, 07:49 AM

hi, Katya, there are some banks offering 20%per annum guaranteed and tax free on your 100K, and pay out of interest is done on a monthly basis. So, in effect, your earned income earns more than 20%pa.  While mutual fund is not guaranteed and fluctuates according to the market.  There's also entry and exit fee everytime you put in or take out. 

Why don't you consider putting it in a medium term financial portfolio and watch as you maximize growth on your earned income?


lowije_dapogs

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Reply #114 on: Dec 19, 2006, 08:39 AM
katya, may mga collecting banks naman ang ibang Mutual funds..  in my case, i just got the other month, yung philequity and sa first metro save (metrobank subsidiary). yung philequity, pede mo ideposit na lang sa equitable pci, pag nagconfirm ka na interested ka thru their email, makakareceive ka na ng mga prospectus and application from them (they will send you thru mail) in a few weeks. pwede ka ng makipag-usap thru phone and cellphone sa agent and kung gusto mo ngang thru bank deposit na lang, just tell them and they will give you their epci account no. iconfirm mo na lang sa kanila na nagdeposit ka na thru phone and fax to them the deposit slip. after that, kailangan mo ipadala sa kanila yung original ng deposit slip and requirements/docs and application form. remember to leave a file copy of all the papers you submitted, ixerox mo lahat... pag nareceive na nila yun, ime-mail naman sayo yung provisional receipt and the OR, sabay na usually... just take note, mejo mataas ang sales load ng philequity...

yung sa 1st metro save & learn naman, sa metrobank syempre ang account nila. mas mabilis ang transaction ko sa kanila, kasi downloadable ang prospectus and application forms, and they allow you to send thru fax yung mga requirements (halos parehas sa philequity - IDs, accomplished forms, deposit slip, etc)... nagkamisunderstanding lang dahil after ko magdeposit at magfax sa kanila, hinihintay ko ng isend nila yung receipt, sila naman hinihintay ako isend yung original docs ko, so i had to call them... pero after nun, i received the OR na after a few days.

first time ko rin magventure sa ganitong investment and yung mga advice and posts nila fqiz and ibang PMTers ang talagang nakapagconvince sakin to get into it.. di rin ako comporme sa mga savings sa bank kasi sobrang baba at bagal ng paglaki (if at all!), parang mas malaki ang nawawala sayo keeping it there... yung sa savings and loan association naman sa trabaho, ok rin dahil tax-free at mas mataas ang rate, pero hindi kasing-laki ng mga mutual funds, or even UITFs kaya mas naencourage talaga ako... mejo magririsk ka lang ng konti dahil nga nagffluctuate ang NAV...

bottomline, tama na muna ang mga luho sa ngayon. kailangan puwersahin ang sarili na mag-ipon, dahil nagkakaedad na rin tayo... ;)




« Last Edit: Dec 19, 2006, 09:19 AM by lowije_dapogs »


gnober

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Reply #115 on: Dec 19, 2006, 03:05 PM
hello guys!

ive been interested with mutual funds for the longest time. philequity sana ako mag-i invest dati kaso lang when i checked their website http://www.philequity.net/, nakuuu... na TURNED-OFF ako! Top ten donts ata ng website nandun na. Imagine, a multi million company w/ an amateurish website.. Grr nakaka turnoff talaga. Pero gusto ko sana sa kanila kasi matagal na sila sa industry, at laging matataas yields nila.

--> meron bang may-alam ng sales load nila at kung magkano (front, back, no-load)

yung sunlife equity naman, gusto ko din kasi mukhang professional talaga, even the website (deal maker/breaker to me ata 'toh ah). tapos you can keep track of your investment via internet pa. malinaw din sa site nila kung ilang % yung kukunin nila depending on your investment preference (front,back,no-load).

kanina nung nagcheck ako ng mutual fund companies, meron na palang bago.. First Metro Save and Learn Equity Fund. Yung YTD nila 67%.. Wow! Na-doble investment mo! Kahit na sabihin nating 15% kaltas dyan sobrang laki pa din ng tubo mo..

So ngayon, 3 na pinagpipilian ko: Philequity (baguhin nila website nila sa kanila nako..hehe), Sunlife and the new MS&LEF (baguhan palang 'to.. any feedback?).


lowije_dapogs

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Reply #116 on: Dec 19, 2006, 06:19 PM
gnober,

kung nabasa mo post ko sa itaas^, you'll know that i have investments sa philequity at metrosave... pangit talaga ang website ng phileq, pero low profile naman talaga ito compared sa kanyang multi-million rivals. mejo mabagal din ang response nila, kasi ipapadala pa sayo yung prospectus and application forms by mail (unlike sa iba na downloadable na sa site nila) but as you said, matagal na sila sa business at very steady ang performance nila, pang-masa rin kasi ang minimum investment nila, unlike sunlife and others na 20k-50k ata... i dont know if i remember it right, pero 3.5% ata ang sales load nila.

sa metrosave naman at 2% ang sales load nila. 1 year pa lang halos ito kaya normal lang na maging ganyan kataas ang ROI, at very reputable din ang fund managers kaya di ka mashadong kakabahan... pero tulad ng madalas i-advice ng mga PMT experts, dapat tignan nga yung long term performance, kaya dapat mo pang bantayan ito. so far, so good naman...

yung sunlife, yan actually ang 1st candidate ko nung nagpplano pa lang ako mag MF dahil gusto ko ang reputation and reliability nito as an insurance investment company. pero last minute nagbago ako ng isip, kasi nga, kailangan pumunta dun sa office nila in person to apply at wala akong time to do that...

btw, may ginawa ng thread on MF list in the philippines, if you want more details on each MF, tignan mo na lang din dito:

http://www.pinoymoneytalk.com/forum/index.php?topic=4791.0


« Last Edit: Dec 19, 2006, 06:25 PM by lowije_dapogs »


Katya

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Reply #117 on: Dec 20, 2006, 02:16 AM
Quote
hi, Katya, there are some banks offering 20%per annum guaranteed and tax free on your 100K, and pay out of interest is done on a monthly basis. So, in effect, your earned income earns more than 20%pa.  While mutual fund is not guaranteed and fluctuates according to the market.  There's also entry and exit fee everytime you put in or take out. 

Why don't you consider putting it in a medium term financial portfolio and watch as you maximize growth on your earned income?
Really? Wow, I didn't know there was this option.  Would you know which banks offer this kind of product?  I hope BPI has one.  I e-mailed them because they offer Personal Fund Management and since my account is in BPI,  maybe they can help me. I'll ask the account officer if they have this kind of account.

Quote
katya, may mga collecting banks naman ang ibang Mutual funds..  in my case, i just got the other month, yung philequity and sa first metro save (metrobank subsidiary). yung philequity, pede mo ideposit na lang sa equitable pci, pag nagconfirm ka na interested ka thru their email, makakareceive ka na ng mga prospectus and application from them (they will send you thru mail) in a few weeks. pwede ka ng makipag-usap thru phone and cellphone sa agent and kung gusto mo ngang thru bank deposit na lang, just tell them and they will give you their epci account no. iconfirm mo na lang sa kanila na nagdeposit ka na thru phone and fax to them the deposit slip. after that, kailangan mo ipadala sa kanila yung original ng deposit slip and requirements/docs and application form. remember to leave a file copy of all the papers you submitted, ixerox mo lahat... pag nareceive na nila yun, ime-mail naman sayo yung provisional receipt and the OR, sabay na usually... just take note, mejo mataas ang sales load ng philequity...
Thanks! That's good to know. Malaking bagay sa 'kin yung convenience ng pag-deposit sa bank account.  And it's perfect na Equitable PCI yung bank nila because our payroll account is there so I can easily transfer from my salary to the philequity fund. Now I'm also considering First Metro Save. Mukhang okay din sila.

Quote
ive been interested with mutual funds for the longest time. philequity sana ako mag-i invest dati kaso lang when i checked their website http://www.philequity.net/, nakuuu... na TURNED-OFF ako!
I had the exact same reaction!  :laugh: But then I realized na mas low profile nga sila compared to their other counterparts. Still, I'm interested in investing in philequity since very good naman yung performance nila.  I also noticed na mas mabagal nga ang response time nila.  I e-mailed Sun Life, Philam and Philequity all at the same time to inquire about their products.  Sun Life and Philam already replied.  Yung Philequity wala pang sagot.

Based on first impressions, mukhang okay talaga ang Sun Life.  I like their website a lot (medyo critical din ako dito) and I read in the newspaper that their planning to put up Sun Life Financial Stores nationwide.  Parang "one-stop shop" where the interested investors can inquire about their different products - mutual funds, pre-need plans and life insurance.  They have 2 stores so far in QC and Greenhills and their Makati store is opening soon.  When they replied to my inquiry, they gave me the exact address of their Sun Life Financial stores in QC and Greenhills.  I might try to drop by and see what it's like.

Philam also replied right away.  They asked for my mailing address and their going to mail me their brochures ASAP.   Then, if I want to meet with one of their financial officers, I can just call the girl who e-mailed me to set an appointment.

I haven't heard from Philequity yet. Although one of their offices in Makati is near my office so I can drop by anytime to inquire.

« Last Edit: Dec 20, 2006, 02:20 AM by Katya »


nailbiter

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Reply #118 on: Dec 20, 2006, 09:34 AM
between Sun Life, Philam at PhilEquity, ano ang pinaka-convenient pagdating sa additional investment? Kasi, after the initial investment, balak ko sanang magdagdag ng P5K a month. Gusto ko sana yung convenient - yung pwede lang i-deposit yung money sa isang bank at hindi ka na kailangan makipag-meet sa account officer.  Any ideas?

Katya, I believe you could do this with all three. But you'll have to send the company a copy of the deposit slip or transaction record, if I'm not mistaken.

pangit talaga ang website ng phileq, pero low profile naman talaga ito compared sa kanyang multi-million rivals. mejo mabagal din ang response nila, kasi ipapadala pa sayo yung prospectus and application forms by mail (unlike sa iba na downloadable na sa site nila) but as you said, matagal na sila sa business at very steady ang performance nila, pang-masa rin kasi ang minimum investment nila, unlike sunlife and others na 20k-50k ata...

...

yung sunlife, yan actually ang 1st candidate ko nung nagpplano pa lang ako mag MF dahil gusto ko ang reputation and reliability nito as an insurance investment company. pero last minute nagbago ako ng isip, kasi nga, kailangan pumunta dun sa office nila in person to apply at wala akong time to do that...

Actually, P10,000 ang minimum investment sa Sunlife. P5,000 minimum for additional investments.

We're all looking for convenience and ease. But there is a reason Sunlife insists that first-time investors talk to a mutual fund representative.

From their website:

"We believe that new investors need to thoroughly understand the benefits and risks of investing in mutual funds. In order to ensure this, some required forms for first time investors are available only through your Sun Life Mutual Fund Representative or from the Head Office. If you are planning to invest in the Sun Life Prosperity Funds for the first time, we encourage you to see your Sun Life Mutual Fund Representative."

Uninformed investors can be quite a force, as has happened with UITF bond funds in April-June of this year when prices dropped after the rise of interest rates. Panic selling ensued, driving prices further and further down.

Mutual fund and UITF investors must be properly advised of the nature of these products, to enable them to choose a fund that can match their risk appetite.

Really? Wow, I didn't know there was this option.  Would you know which banks offer this kind of product?  I hope BPI has one.  I e-mailed them because they offer Personal Fund Management and since my account is in BPI,  maybe they can help me. I'll ask the account officer if they have this kind of account.

Katya, investorsportal is actually referring to rural banks. Search his previous posts, he mentions one specific bank he's referring to.


investorsportal

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Reply #119 on: Dec 20, 2006, 02:54 PM

Katya, nailbiter is right, I am referring to rural banks, one of which is Bank of East Asia where I have placed my own money in their bank time-deposit. The contact person is consultant Jimmy Lucero whose ad is <jimmylucero@yahoo.com> You might want to get more info. They give 20% per annum interest Tax-Free on a 5-year program (as mandated by Bangko Sentral). At any rate your 100,000 is very much within the PDIC insurance coverage (PDIC max. coverage is 250,000 per account/name).


 


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