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saintmacai · 16 · 3757

saintmacai

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on: Jun 27, 2014, 03:00 AM
hello!

I'm new to investment.  I have some idle funds around 250k that I want to invest midterm 3-5 years, maybe longer. I don't want it too risky and can still be easily liquidated when necessary.

I already have a VUL from sunlife.

Also, I'm also lazy :harhar:

Where should I invest?

TIA!


Market_Market

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Reply #1 on: Jun 27, 2014, 04:18 AM
BPI INVESTMENT FUNDS
The BPI Investment Funds are actively-managed funds that seek to offer attractive risk-adjusted returns with a focus on undervalued and lower beta names, shorter durations and diversification principles consistent with capital preservation. The BPI Investment Funds are best suited to investors who are generally conservative, looking for stability, minimal volatility, certainty of income.

https://www.bpiassetmanagement.com/pages/bpi-investment-funds/


DonT

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Reply #2 on: Jun 27, 2014, 01:19 PM
I'd recommend any UITF..take your pick.


richpulubi

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Reply #3 on: Jun 27, 2014, 01:53 PM
Kung talaga bang 3-5 years, buy equity uitf.  Kung hindi ka pa sure, money market uitf.


saintmacai

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Reply #4 on: Jun 27, 2014, 02:19 PM
thanks for the replies. which bank do you recommend and what fund?


richpulubi

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Reply #5 on: Jun 27, 2014, 02:24 PM
thanks for the replies. which bank do you recommend and what fund?

Where do you bank?


DonT

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Reply #6 on: Jun 27, 2014, 02:31 PM
^yes, best place is the most convenient bank for you or select from the top 5 best performing UITF of 2012, 2013.


saintmacai

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Reply #7 on: Jun 27, 2014, 03:17 PM
i have accounts in bdo and bpi


RFMarine

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Reply #8 on: Jun 28, 2014, 10:10 AM
sunlife has a new MF that supposedly will dynamically adjust to new market conditions

but 5 years is still short. try to keep the money as long as possible


richpulubi

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Reply #9 on: Jun 28, 2014, 11:26 AM
i have accounts in bdo and bpi

Both banks have good uitf's.  You can choose either long term or short term.

BUT be careful when you ask a bank officer, kasi bebentahan ka ng VUL, pustahan tayo!

If you just need plain vanilla investment, stick to uitf's.  MF's will charge you salesload, and VUL's will charge you for the insurance aspect.

 


richpulubi

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Reply #10 on: Jun 28, 2014, 11:43 AM
sunlife has a new MF that supposedly will dynamically adjust to new market conditions

but 5 years is still short. try to keep the money as long as possible

By your recommendation, I checked www.pifa.com.ph to see the comparison of sunlife to other different mf's.  Why is sunlife among the worst performing, even all the way to 5 years?  How do their fund managers defend their mediocre performance relative to other mf's? 


DonT

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Reply #11 on: Jun 28, 2014, 01:33 PM
^Maybe they don't care. Maybe they just rely on their good marketing and army of sunlife financial advisers. At the end of the day, they earn based on the commissions and not on the performance of the funds. i could be 200% wrong.


richpulubi

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Reply #12 on: Jun 28, 2014, 02:37 PM
^Maybe they don't care. Maybe they just rely on their good marketing and army of sunlife financial advisers. At the end of the day, they earn based on the commissions and not on the performance of the funds. i could be 200% wrong.

Tumpak!!!!!


bauer

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Reply #13 on: Jun 28, 2014, 04:58 PM
Why is sunlife among the worst performing, even all the way to 5 years?  How do their fund managers defend their mediocre performance relative to other mf's? 

^ I am very satisfied with sunlife's performance particularly their balanced fund.  My investment almost quadrupled in 14 years.


DonT

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Reply #14 on: Jun 29, 2014, 09:55 AM
^thats a fair return on investment!


 


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