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I tried to open an Equity Fund at BPI early this year, and after a few days they told me that I did not meet the passing criteria hahaha! I was ready with the cash and all... maybe I answered too...

for short term investments, there are government bonds and treasury bills that will give better interest rates than bank savings account.

these investment types have different purposes and have...

Short term point of view, it is very volatile... win some, lose some.
But if you look at it long term (at least 5 years), the trend is going up.
Mutual fund / UITF is designed for long term...

Now that the stocks are on an uptrend, the navpu postings in the banks/insurance companies' website are regularly updated again. The past 2 months they delayed the postings by 2-3 working days......

When is the Fed's meeting? para ready lang daan in case of bad news..

please do take note that Unionbank Large Cap is 100k minimum... quite substantial compared to other banks :)

Just an additional info.

Aside from MF and UITF, there are also VUL (variable universal life) insurance being offered by AXA, Prulife, Philam Life, Sunlife, etc.
These VULs are also doing very...

In terms of UITF sa banks, based on my personal research, the best in terms of performance this year are the following.
1. Unionbank
2. BDO
3. Metrobank

Note:
BDO and Metrobank are doing great...

based on what i'm monitoring, these are the top performers this year as of 5/10.
1. Unionbank Large Cap: 27.6% (as of 5/9)
2. BDO Equity Fund: 28.3%
3. AXA Chinese Tycoon Fund: 27.8% <-- not...

when i inquired at rcbc, they mentioned that there is a 20% tax, but i got lost in the discussion if reflected na sa NAVPU ang tax.
the person in charge was not good in explaining so my question was...

based on my understanding the NAVPU already indicates the final figure (20% deducted already).
well.. will probably find out when the time comes :)

has anyone tried encashing his UITF investment from the bank?
so that we will know if there really is a 20% tax on the capital gain in actual practice.

what happens if you lose instead of gain.....

there are different funds for every investment objective.
there are funds for short term, low risk but minimal gains,
there are also funds for long term, very risky but big potential gains.

it...

what kind of UITF did you invest in... bond fund or equity fund?
if sa bond fund, the growth will be conservative because it is not invested in stocks.

some banks are open on weekends. better check the sched of the branch :)

nope, it is not exponential / compounded interest.
actually it is not correct to think of it as an interest (just like what you get from banks).

hi makie, can you expound more on 20% withholding tax on capital gains?

for example, i invested 100k on a UITF with NAVPU of 1.00.
when i take out my investment, NAVPU is already 1.30.
how do...

you can probably buy on dips to maximize the return, but normally you invest in mutual funds with a long term perspective so that you will not be affected much by the short term fluctuations. so if...

off topic gamay, unsay difference between NAVPU and NAVPS?
ang NVAPU will not gain from cash/stock dividends?

Unionbank (Large Cap) and BDO (Equity Fund) are doing very well based on 2013 YTD