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How will you earn in MF?

ras · 34 · 8164

ras

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on: Jun 11, 2014, 05:22 AM
I inquired about Metrobank's wealth builder UITF yesterday (Initial investment is 5k+monthly 1.5k for 2 years). I was told that I will only earn if I redeem my investment and if the NAVPU is higher than when I started my UITF. Earning is not the same as Time deposit wherein interest/earning accumulate and it gets bigger as time goes by. Now for my question, does MF earns the same way as UITF?


LiveLoveInvest

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Reply #1 on: Jun 11, 2014, 08:59 AM
yup!

i'll quote this from somewhere.

Example:
Amount to be invested = 10,000
Navps as of today ( example lang ) = 2 pesos per share
Total shares bought on stated navpu = 5,000 shares

After 5 years umakyat ang navps to 5 pesos per share
Knowing na meron kang 5,000 shares
5,000 shares x 5 = 25,000

25,000 - 10,000 = 15,000 ( capital gains) * this is your kita


ras

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Reply #2 on: Jun 12, 2014, 12:22 AM
Thanks po LiveLoveInvest for the answer.
Medyo na naliliitan kasi ako sa NAVPU ng wealth builder UITF. Tapos parang ang tagal pa tumaas base dun sa report nila. though I know past/present performance will not indicate future performance. At tingin ko mas maganda sa MF.
I'm planning to invest in FAMI SALEF. However, Been looking around trying to weight the differences, advantage and disadvantage of their other products like SALBF, and money market. Figuring out which will give me higher returns in a span of 2-3 years.
yup!

i'll quote this from somewhere.

Example:
Amount to be invested = 10,000
Navps as of today ( example lang ) = 2 pesos per share
Total shares bought on stated navpu = 5,000 shares

After 5 years umakyat ang navps to 5 pesos per share
Knowing na meron kang 5,000 shares
5,000 shares x 5 = 25,000

25,000 - 10,000 = 15,000 ( capital gains) * this is your kita


ras

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Reply #3 on: Jun 12, 2014, 02:28 AM
Just to clarify, in MF and UITF, NAVP S/U goes up and down means you are going through paper loss and gain unless you sold your share or unit. Thanks!


LiveLoveInvest

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Reply #4 on: Jun 12, 2014, 11:43 AM
Just to clarify, in MF and UITF, NAVP S/U goes up and down means you are going through paper loss and gain unless you sold your share or unit. Thanks!

Yup!


LiveLoveInvest

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Reply #5 on: Jun 12, 2014, 11:46 AM
Thanks po LiveLoveInvest for the answer.
Medyo na naliliitan kasi ako sa NAVPU ng wealth builder UITF. Tapos parang ang tagal pa tumaas base dun sa report nila. though I know past/present performance will not indicate future performance. At tingin ko mas maganda sa MF.
I'm planning to invest in FAMI SALEF. However, Been looking around trying to weight the differences, advantage and disadvantage of their other products like SALBF, and money market. Figuring out which will give me higher returns in a span of 2-3 years.

If you're time horizon for your investment is within 2 to 3 yrs i would suggest balanced fund mf. Like philam fund inc of philam and salbf of fami.
How about both for diversification and comparison as to which can give a higher return in 1 yr then place all on the one that yielded better gains.


richpulubi

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Reply #6 on: Jun 12, 2014, 12:59 PM
More than 10 years ago, I buy philam and sunlife mf's.  I was one of the pioneer clients of First Metro live and learn.  I also bought prudential mf's. 

But I found out about five years ago that uitf's are better cuz the performance is the same, but there is no salesload and some have no or veryy short lock-in periods.  And so, I've sold all my mf's and just buy uitf's.

Even Salve Duplito says uitf's are better in her show in ANC On the Money..


richpulubi

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Reply #7 on: Jun 12, 2014, 01:14 PM
I inquired about Metrobank's wealth builder UITF yesterday (Initial investment is 5k+monthly 1.5k for 2 years). I was told that I will only earn if I redeem my investment and if the NAVPU is higher than when I started my UITF. Earning is not the same as Time deposit wherein interest/earning accumulate and it gets bigger as time goes by. Now for my question, does MF earns the same way as UITF?


Why are you looking at wealth builder of metrobank?  I buy metrobank's equity fund, and recently just sold some(since there is only 90 days lock in).  Yield to date is about 15.7%, that's just six months, tapos wala pang kaltas ng salesload!
« Last Edit: Jun 12, 2014, 01:16 PM by richpulubi »


LiveLoveInvest

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Reply #8 on: Jun 12, 2014, 02:21 PM
More than 10 years ago, I buy philam and sunlife mf's.  I was one of the pioneer clients of First Metro live and learn.  I also bought prudential mf's. 

But I found out about five years ago that uitf's are better cuz the performance is the same, but there is no salesload and some have no or veryy short lock-in periods.  And so, I've sold all my mf's and just buy uitf's.

Even Salve Duplito says uitf's are better in her show in ANC On the Money..

Im not quite familiar with first metro live and learn  :hihi: care to tell the rest of the story?  :thankyou:


richpulubi

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Reply #9 on: Jun 12, 2014, 02:30 PM
Im not quite familiar with first metro live and learn  :hihi: care to tell the rest of the story?  :thankyou:

Ay, save and learn pala.  When First metro was kinda new, they had such a crappy website.  But, they had pictures of nuns promoting the fund.  It was somehow connected to certain educational establishments.  That's why I bought.


ras

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Reply #10 on: Jun 13, 2014, 03:03 AM
Why  wealth builder of metrobank? Well, thought it'll be good to open my way into investing and the initial investment is also low and doable for me to get my feet wet into investing. Hopefully by next week i'll get to decide if I'll go with UITF or MF, equity or balance fund. Thank you so much for all the response. I'm considering all the details you all mentioned, especially the sales load, and the yields to date.
Why are you looking at wealth builder of metrobank?  I buy metrobank's equity fund, and recently just sold some(since there is only 90 days lock in).  Yield to date is about 15.7%, that's just six months, tapos wala pang kaltas ng salesload!


mxherr5

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Reply #11 on: Jun 13, 2014, 08:48 AM
^
I'd just educate myself online and make sure I know what
I'm doing instead of relying on an agent selling mutual funds.

You save yourself the sales load plus you learn about
investing.

If you do decide to go with UITF, you'd be better off
with BDO's UITF as they have what's called an EIP.
Its like an installment plan :D

BDO: 1,000 initial investment(Technically 0)
Wealth Builder: 5,000

BDO: 1,000 subsequent investment
Wealth Builder: 1,500 subsequent investment

BDO: 1% fee
Wealth Builder: 2.5% fee

BDO: Bond, Balanced and Equity Funds
Wealth Builder: Just Bonds

So after educating yourself, you might find that equity
funds is what you should invest in, with BDO you'd have
almost all fund types(you can also choose money market
but its 10k instead of 1k per investment)


richpulubi

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Reply #12 on: Jun 13, 2014, 11:03 AM
^
I'd just educate myself online and make sure I know what
I'm doing instead of relying on an agent selling mutual funds.

You save yourself the sales load plus you learn about
investing.

If you do decide to go with UITF, you'd be better off
with BDO's UITF as they have what's called an EIP.
Its like an installment plan :D

BDO: 1,000 initial investment(Technically 0)
Wealth Builder: 5,000

BDO: 1,000 subsequent investment
Wealth Builder: 1,500 subsequent investment

BDO: 1% fee
Wealth Builder: 2.5% fee

BDO: Bond, Balanced and Equity Funds
Wealth Builder: Just Bonds

So after educating yourself, you might find that equity
funds is what you should invest in, with BDO you'd have
almost all fund types(you can also choose money market
but its 10k instead of 1k per investment)

Wow, great comparison!  Thanks!

LiveLoveInvest,

is it true that even kids can buy mutual funds in their name?  I saw an article in Moneysense magazine that  says they can.

FYI, you have to be 18y.o.  in order to buy uitf.


freefront

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Reply #13 on: Jun 16, 2014, 08:00 PM
^
I'd just educate myself online and make sure I know what
I'm doing instead of relying on an agent selling mutual funds.

#in the mood makipagsagutan at lumayas ng 4 days namatayan ng ornamental na kalamansi at hindi mahilig ang bagong attittant sa halaman.

You ingrates!!! j/k!   :D  Hindi nga. Hindi naman lahat ng tao naiintidihan lahat ng binabasa. Hindsight na lang siguro( as in hula ko lang) na maalam na kayo sa investing dahil sa mga experiences nyo na. Ako nga muntik masuka nung inabot sa akin yung prospectus ng MF ng sunlife. I needed facetime with a real live person. Some minds are bent that way. My point, magpakape ka, hukayin mo laman ng utak ng sales agent( dahil hindi naman siguro magkakalisenya yan kung todo ang kabobohan)--->maybe it's the better way for you. Mag-practice ka na rin na magsabi ng "No, thanks" because nobody took away that right from you.

Quote
You save yourself the sales load plus you learn about
investing.

beating a dead horse!  :cool: . yep, for the second part.

Quote
So after educating yourself, you might find that equity
funds is what you should invest in, with BDO you'd have
almost all fund types(you can also choose money market
but its 10k instead of 1k per investment)

In the grand scheme of things- in the MF/UITF world- why would anyone tell anybody to put money in money market when you don't even have an income to speak of? Consider inflation( all things considered like you are in it for the long haul and what you are investing is not scared money).

My bad. Forgot the "how can you earn faster in MF?" Redeem at a certain percentage gain. Go back in during corrections. Rinse. Repeat. Thanks!
« Last Edit: Jun 16, 2014, 08:01 PM by freefront »


ras

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Reply #14 on: Jun 17, 2014, 02:54 AM
Thanks for all the response. Still reading some of the post in this group and I'm learning a lot. Thanks everyone!
Wow, great comparison!  Thanks!

LiveLoveInvest,

is it true that even kids can buy mutual funds in their name?  I saw an article in Moneysense magazine that  says they can.

FYI, you have to be 18y.o.  in order to buy uitf.


 


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