PMT Forum
How do you want to make money today?

Advice on investment

Bluebunny · 15 · 3950

Bluebunny

  • Newbie
  • *
    • Posts: 4
    • Likes Received: +0/-0
on: Nov 11, 2014, 05:10 PM
Hi all, I am a newbie here. Just want to ask your opinion I recently resigned from my job to become a housewife. I got a few hundred thousand as separation pay which i plan to save as emergency fund and invest.

 I have a life insurance ( with investment bundle) but my hubby has none yet. We are planning to get term insurance for him. I still have to set up an emergency fund for me. The rest i plan to invest on short term instruments with decent interest and low exit fees. We might need the money in case we plan to migrate or work abroad, or pay for downpayment if we decide to purchase our own home. Funds can be invested between 1-3 years.

Could you suggest such instruments and which banks can provide these? My options are bpi, ucpb, unionbank, chinabank and bdo because they are accessible to me. What instruments can i avail of? Thank you.


LiveLoveInvest

  • Forum Tambay 100
  • ***
    • Posts: 147
    • Likes Received: +0/-0
Reply #1 on: Nov 12, 2014, 05:15 PM
how about San Miguel Corporation Commercial Papers?

The rates are;

30-89 days = 1.2% net pa
90 days to less than 1 yr = 1.4% net pa
1 yr & above = 1.6% net pa

minimum placement is 100k.

if you ask me, still a better place to park funds compared to banks  :boxing:


Bluebunny

  • Newbie
  • *
    • Posts: 4
    • Likes Received: +0/-0
Reply #2 on: Nov 12, 2014, 08:08 PM
Hi liveloveinvest, thanks for your advice.  :D Which bank offers this? this is not covered by PDIC right? Will the proceeds be subject to tax and what is the process if you want to liquidate? Thank you.


Jayumaster

  • Forum Champion 700
  • ****
    • Posts: 735
    • Likes Received: +4/-0
Reply #3 on: Nov 16, 2014, 11:41 PM
UITF (BDO, BPI, Security Bank) Equity. But don't buy all the way. Buy in batches.


LiveLoveInvest

  • Forum Tambay 100
  • ***
    • Posts: 147
    • Likes Received: +0/-0
Reply #4 on: Nov 17, 2014, 11:35 AM
Hi liveloveinvest, thanks for your advice.  :D Which bank offers this? this is not covered by PDIC right? Will the proceeds be subject to tax and what is the process if you want to liquidate? Thank you.

It's not offered by banks actually, it's offered by our company ( Rampver Strategic Advisors ). Basically it's a large bond given by San Miguel Corporation that is broken down to smaller placements ( since bonds are usually in millions or billions  :yoohoo:) that we offer to our clients :)

all rates are net of taxes  :applause:

no this is not covered by PDIC since this is a guaranteed return on investment product, not a lending product compared to banks :)

I have clients that place their funds here for short term placements ( 1 mo, 3 mo etc.. ) since it's guaranteed. Actually I do this with my Emergency Fund ( small amount lang  :hihi: ) since kesa natutulog lang sya sa bank.

For liquidation, once due date is up, you then will receive a check total to your capital plus the interest.


bauer

  • VIP 4500
  • *****
    • Posts: 4,857
    • Likes Received: +12/-0
Reply #5 on: Nov 17, 2014, 03:59 PM
Soft warning to investors of San Miguel bonds,

If you want to buy San Miguel bonds in the open market, better deal with PDEX and banks only. 

There is a very high risk on your capital if you deal with private individuals or companies.


nepenthe

  • Forum Champion 700
  • ****
    • Posts: 757
    • Likes Received: +0/-0
Reply #6 on: Nov 18, 2014, 10:45 AM
Always do your due diligence for any capital exposure. It is better to be safe than sorry... just my 2 cents :)


LiveLoveInvest

  • Forum Tambay 100
  • ***
    • Posts: 147
    • Likes Received: +0/-0
Reply #7 on: Nov 18, 2014, 11:07 AM
Soft warning to investors of San Miguel bonds,

If you want to buy San Miguel bonds in the open market, better deal with PDEX and banks only. 

There is a very high risk on your capital if you deal with private individuals or companies.

Yup make sure that you've done your research when dealing with Private individuals/corporation that offers Corporate Bonds :)

Sakin lang kaya I can offer this to my clients kasi ako din ang mutual fund account ( Philequity,Philam,Fami, Atr, Soldivo ) officer nila kaya nashashare ko sa kanila ang Bonds na available samin  :D



LiveLoveInvest

  • Forum Tambay 100
  • ***
    • Posts: 147
    • Likes Received: +0/-0
Reply #8 on: Nov 18, 2014, 11:12 AM
UITF (BDO, BPI, Security Bank) Equity. But don't buy all the way. Buy in batches.

I wont recommend equity uitf/mf for TS, since sabi niya ang funds daw ay posibleng mawidraw within 1 to 3 yrs. Volatile ang market natin and baka mapahamak pag kinailangan na iwidraw  :D


richpulubi

  • PMT Jedi 2500
  • ****
    • Posts: 2,864
    • Likes Received: +2/-0
Reply #9 on: Nov 18, 2014, 11:21 AM
Since you've stopped working, you have to be very conservative with how you invest your few hundreds of thousands.  Also, even if you say your time window is 1-3 years, realistically, you can only invest good for 1 year...just in case.

And so, just get uitf money market.

If you want pdic protection, then invest in small banks like ama, makati rural, or one network.  For one year, you may get maybe 2-3% interest out...but you have to check the prevailing rates.


Jayumaster

  • Forum Champion 700
  • ****
    • Posts: 735
    • Likes Received: +4/-0
Reply #10 on: Nov 18, 2014, 11:54 AM
Ang baba pala ng returns ng san Miguel Bonds. Yung 100K mo, 1600 lang ang gross na kita, wala pang fees and commisions. Transpo mo palang sa pag-asikaso sa pagbili at pagbenta ubos na ang gains mo.

Maganda pa siguro humanap kanalang ng isang taong may magandang business idea tapos dun mo i-invest pera. parang angel investor. Medyo risky pero mas malaki ang returns.

Pero mas inclined parin ako sa UITF. Kung gusto ninyong maging safe, edi sa bond funds nalang. Mas maliit ang returns. Or mag-TD nalang po kayo. Or i-invest sa mga sound Cooperatives bilang savings accounts or investment. Mas malaki ang offers nila, Basta kilala at matatag na Coop.


Bluebunny

  • Newbie
  • *
    • Posts: 4
    • Likes Received: +0/-0
Reply #11 on: Nov 23, 2014, 12:07 PM

Thanks all for your words of advice and warning.  :D

Right now I'm leaning towards UITF since yield is better than TD.  I'm also curious about the angel investor idea need to read up on this. Seems like it is like the stock market where in there are high rewards but also high risks.

I read before that municipal bonds are a good investment since returns are okay and it is secured by the government. Will backread on this.


LiveLoveInvest

  • Forum Tambay 100
  • ***
    • Posts: 147
    • Likes Received: +0/-0
Reply #12 on: Nov 23, 2014, 02:41 PM
Thanks all for your words of advice and warning.  :D

Right now I'm leaning towards UITF since yield is better than TD.  I'm also curious about the angel investor idea need to read up on this. Seems like it is like the stock market where in there are high rewards but also high risks.

I read before that municipal bonds are a good investment since returns are okay and it is secured by the government. Will backread on this.

Yield for td is guaranteed compared sa uitf/mf. Be careful lang with uitf. As you've said you might need the funds in 1 to 3 yrs. im not saying the market might go down in the coming years pero with that time horizon i dont think your funds are suitable for uitf/mf/stocks or any other investment that can fluctuate or is volatile,

Just my 2 cents. :D


Lechinuy

  • Newbie
  • *
    • Posts: 1
    • Likes Received: +0/-0
Reply #13 on: Nov 23, 2014, 10:15 PM
Hi there just wanna hear advises regarding investment. I'm currently employed who wishes to start an investment business. I'm considering investment which will generate passive income, since I don't have time to focus & manage a business... Any advise as to what is the most feasible  investment.


LiveLoveInvest

  • Forum Tambay 100
  • ***
    • Posts: 147
    • Likes Received: +0/-0
Reply #14 on: Nov 25, 2014, 11:26 AM
Hi there just wanna hear advises regarding investment. I'm currently employed who wishes to start an investment business. I'm considering investment which will generate passive income, since I don't have time to focus & manage a business... Any advise as to what is the most feasible  investment.

If Passive Investment ang habol mo edi not advisable and MF/UITF because these are not sources of passive income.

But you can try investing in direct stocks, investing only in companies that regularly gives out dividends to its investors. but do take note of the risks invloved :)



 


PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • oragon: :applause:
    May 20, 2019, 03:53 PM
  • FutureGizmo: Thank you for reporting those spam posts, oragon! Spam posts now deleted.
    May 20, 2019, 01:59 PM
  • oragon: Admin kindly monitor some peps! posting and sharing inappropriate nude photos and website links
    May 20, 2019, 01:52 PM
  • @culinary10: Hello I am new here! Regarding sa bdo life insurance for 8 years, pwede pa kaya ma refund yung binayad ko na 50k last year? Gusto ko sana icancel kasi lack of financial na, last may 15 2018 po un nag start ako ng life insurance, pinili ko annually kaso etong may 15 2019 wala nako ma ipay so gusto ko sana icash out, may alam ba kayo kung pano marerefund?
    May 17, 2019, 07:56 PM
  • FutureGizmo: Hi Sonny, the posting issue is now resolved. Thanks for informing us! We're currently testing a new, mobile-ready theme so let us us know kung may problema pa sa Forum. :)
    Apr 04, 2019, 10:40 AM
  • sonny.wapak: Nakaka receive din ba kayo nito pag gawa ng new post? "Please try again. If you come back to this error screen, report the error to an administrator."
    Apr 03, 2019, 10:56 PM
  • leonine_zafiro: what product nun?
    Apr 01, 2019, 10:25 PM
  • dhondiex27: hi
    Mar 30, 2019, 10:55 PM
  • lusart: jayrob i agree 200%. hulog ng langit organico. legit na legit
    Mar 29, 2019, 09:08 AM
  • palemelch: Hi
    Mar 28, 2019, 04:08 PM
  • O.C.W._AK: Magandang Araw sa Lahat! Blessings! (",)
    Mar 28, 2019, 08:42 AM
  • thor15: hello everyone, newbie here
    Mar 25, 2019, 01:47 AM
  • captjaylo: present newbie here
    Mar 22, 2019, 10:06 AM
  • balboagilbert26: hello Guys .. Newbie here
    Mar 21, 2019, 10:55 PM
  • businesswoman2019: @jefsanity nag inquire na po ako pero di sila nagdidisclose. Yung branch po kasi na target ko, currently building pa.
    Mar 21, 2019, 04:27 PM
  • jefsanity: @businesswoman2019, much better inquire ka na lang sa admin nila.
    Mar 21, 2019, 01:51 PM
  • businesswoman2019: Hello! Any idea how much ang stall sa waltermart. 2m x 2m
    Mar 21, 2019, 08:28 AM
  • John Neil: Looking for an accredited iron foundry
    Mar 17, 2019, 03:19 PM
  • jayrob: Mark_Lee ung organico legit po yan..  Member din AQ..
    Mar 17, 2019, 12:57 AM
  • perlymelad: Hello po! Need advice, why my new MLM leaders failing?
    Mar 14, 2019, 08:51 PM
  • perlymelad: Present
    Mar 12, 2019, 07:53 PM
  • kennethmauricio: Hi saan po dito pwede mag post ng for sale properties?
    Mar 11, 2019, 07:58 PM
  • jefsanity: @mark_lee isipin mo anu passion mo at skills mo...
    Mar 11, 2019, 06:52 PM
  • sniperaj09: BAGO LANG
    Mar 10, 2019, 11:16 AM
  • mark_Lee: magandang investnent ngayon sa 30k suggest naman keo mga boss
    Mar 10, 2019, 03:07 AM
  • perlymelad: E-BOOK PO SIR @JEFSANITY
    Mar 09, 2019, 05:40 PM
  • perlymelad: @jefsanity Good Morning Po
    Mar 09, 2019, 05:39 PM
  • perlymelad: Good Day everyone
    Mar 04, 2019, 06:24 PM
  • jefsanity: anu ang small business na yan?
    Feb 28, 2019, 07:40 PM
  • perlymelad: Good Day Everyone
    Feb 28, 2019, 03:31 PM
  • perlymelad: Hello everyone, CAN ANYONE HELP ME SUGGEST ANY SIDE TOPIC  / PROBLEM OF  STARTING SMALL BUSINESS?
    Feb 28, 2019, 06:58 AM
  • perlymelad: Present, 1st time po
    Feb 25, 2019, 06:17 PM
  • jd2281: newbie po
    Feb 25, 2019, 12:26 PM
  • ejllantino: present... 1st time
    Feb 24, 2019, 07:14 PM
  • rheiel: present. first time
    Feb 24, 2019, 11:04 AM
  • MELVIE: thanks po
    Feb 24, 2019, 12:50 AM
  • steph123: hello po, ask lang po, ilang months po ba ang hihintayin after mo ma process ang mga documents para maitama ang mali sa NSO?
    Feb 11, 2019, 03:13 PM
  • Deborah: newbie here.thanks
    Feb 08, 2019, 02:17 PM
  • marj0503: hello im newbie here
    Jan 31, 2019, 10:53 AM
  • yan24: any one here planning to start a tesda skill training center
    Jan 26, 2019, 12:07 PM
  • manzjon: Forex trading forum
    Jan 25, 2019, 02:16 PM
  • Lizette Ramos: Pwede po bang patulong... Maganda po ba ang gasul retailing business?
    Jan 24, 2019, 09:14 PM
  • Imnobody: Hi sino naghahanap ng casino financer dito?
    Jan 16, 2019, 09:59 PM
  • Odlanyer22: Good day!
    Jan 16, 2019, 09:55 PM
  • maryen: at kung sakaling may somobra sa food na nailuto.. dapat po bang bayaran ng client un .. or ipapa take mo na sakanila?...
    Jan 16, 2019, 03:52 PM
  • maryen: HI! GOOD DAY! newbiz lang po... question lang po regarding sa catering.. if may 50pax po ako dapat lang po ba na sakto ang serving ng food?
    Jan 16, 2019, 03:50 PM
  • mark_Lee: cno na nag organico dito scam po ba yun or legit
    Jan 09, 2019, 03:04 AM
  • kuray08: Have a Prosperous New Year to all..
    Jan 06, 2019, 09:27 PM
  • ethan: Sino po may auto supply business dito? How profitable po ba ito in terms of monthly income? Lalo na kung meron na one or two na competition.
    Jan 04, 2019, 11:34 AM
  • Niel Jhacoubs: HAPPY NEW YEAR!
    Jan 02, 2019, 04:37 PM