Where can i safely place my money that can interest?

[makie]

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It should be in line with your goals. How long are you gonna make it sit?

Kung short term, be aggressive. You can start a business or invest in somebody else's business. Pwede ka magventure capitalist. Find small businesses nga tan-aw nimo nindot ug potential then provide capital. They will do the ground work, you provide the capital. You can also consider stock trading. Just be cautious because short term growths are very risky. The higher the potential, the higher the risk. It is very important for you to know what you are doing. Study and research sa before putting your money on the line.

Kung long term, you have a lot of options. There are mutual funds, UITFs, coops, and stock market. These are safer kung long term if you invested in the right companies. Pwede ra nimo pasagdan imong kwarta without doing anything. This is good kung kaya nimo maghuwat for at least 5 years. These options are way higher than interest rates in banks and they outdo inflation.

[arclops]

well capital preservation na naa sad growth higher than the banks.. ok rmn cguro sa governmnt t-bills but gamay ramn ako money.. i dont know if pila minimum sa mga t-bills...

Since the term is only up to 2 years and the purpose is to preserve your capital without much risk, IMO the best route is to invest your money in coop, as what others are suggesting here. You need to choose an investment that gives you at least 4.5% net interest for the 2-year term since inflation now is at this level >>> NSCB - Statistics - Prices

MF and stock market are for long-term investments, unless you're already a professional trader. So it won't fit for your 2-year holding period PLUS the added HIGHER RISK. SDA and tbills have lower interest well below than the current inflation rate. Minimum is 50T @BPI for the SDA, maybe 100T for T-bills...not sure..I only invested in RT-Bonds where the minimum amount is 100T....with interest rate higher than the inflation rate but holding period is at least 5 years.

So the question now is, are you willing to take the risk if you invest your money in coop in order to achieve your purpose? Only you can answer this since RISK is subjective.

According to BSP's forecast, inflation will reach its peak during the 3rd quarter so better invest during this period for much higher interest for your investment....just my 2 cents!

[inchit]

really... ill try to invest some of my money in MF during the 3rd quarter... hehehe thanks sa info guyz!

[inchit]

guyz.. do have any idea if theres a seminar here in cebu about stock trading like kaning sa citiseconline.. if pwede kanang free... i found one actually pro mahal mn ang fee wui.. pwede na nko e.invest ang fee... hehehe i want to diversify my money.. trying to put it in COOP, MF and trade some in the stocks like citiseconline... from there i would be able to know unsay suitable sa ako.. hehehe

[bungot25]

try buy livestocks then ipa baton...its better than banks!

[Metz]

guyz.. do have any idea if theres a seminar here in cebu about stock trading like kaning sa citiseconline.. if pwede kanang free... i found one actually pro mahal mn ang fee wui.. pwede na nko e.invest ang fee... hehehe i want to diversify my money.. trying to put it in COOP, MF and trade some in the stocks like citiseconline... from there i would be able to know unsay suitable sa ako.. hehehe

how big is the fee?
naa stocks seminar 1.5k ang early bird fee.
better invest in the seminar then invest for experience.

as for what you want here are my suggestions

for short term growth,(less than 5 years)

1. mutual funds - bond or balanced fund.
2. stocks - if you know what you're doing.

for long term( more than 5 years)

1. equity mutual fund - if you don't have time to manage or monitor your investments. let the experts handle it.
2. stocks - better returns but requires more time.
3. business - wa najud lain hehehe.

this is assuming you have all your short term needs covered like life insurance, health insurance, and emergency funds sa bank. kay pointless mo invest sa what I mentioned above if withdrawhon ra gihapon nimo due to an emergency.

[legal_cd]

i invest og negosyo TS, if you have a friend na dunay business pwede ka mo ask to buy some shares.