Stocks and mutual funds?

[aikea guinea]

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Just keep it simple if you wanna invest in Mutual Funds go with Bonds for lesser risk coz its a Fixed Income if you have a higher risk appetite, Go for Equity Funds or Stock Funds though their rate of yields or interests is volatile... and Where? go to Investment Houses in Cebu City like Philam Asset Management, Inc. they are wholesalers of such funds. When you go to banks they will offer you prices in retail ergo better go to a grocery store rather than the sari-sari store where you can save more and earn more.

[MK]

OK sad ang Sunlife Mutual funds kay ma-access nimo ang status sa imo shares online.

[annais]

do you guys think it's now safe to play in the stock market? i am having a hard time reading and interpreting the odds...

[kalinaw]

its hard to associate "safe to play" in investing stock market. As we know everything is cyclical some sectors are bullish while the other are bearish. One other thing, nobody can time the stock market so a good entry will depend your research & analysis...... Good luck.

[sachem]

@aikea guinea: how much do i need for starting a mutual fund with PhilAm? how much do i get after the year? can i withdraw my money or a little bit of money from the bank before the maturity period or not?

i will be delighted if you could give me an example

@MK: how much is the starting?

[jed_baguio]

ATTENTION!!! firstly im Jed Baguio, im into any bussiness school but i have dedicated my education to investing and business, ive read probably 70+ books on the subject! If you want to know more any of the subject just text me and ill be happy to call you and discuss it with you personally the # is 09275169891... but, im new to the game, i beginning to apply what ive learned... purpose of illustration only not for bragging, i already oppened an account with a mutual BOND fund with philam life. I started to paper invest in the philippine stock market, in span of 5 mos iv gained 20% ROI, but still its paper trading, testing my theories....

ok here we go.. to clear things up...

Mutual fund consists basically to 3
1 bond fund
2 Stock fund
3 money market fund

1) bond fund are funds that invest in bonds or IOU's from the government or corporations, they are relatively safer than stocks because they are owed to you rather thatn stock wich is an equity or makes you part owner. if the corporation fails u get nothing...

2) stock fund, these funds are investing in the phillipine stock exchange.
they have high % of return with high risk

3) mony market are funds that invest in short term securtites... not very popular in the philippines.

before inveting u should know what you want, if you want for quick buck? retirement, or what? again contack and ill be happy to talk to you...

but personally i suggest starting a bond fund coz it has a fix rate of 8% per year coz the t-bills are giving 10% for now so the companies take the 2%, so u ask why dont i just buy tbills to get 10%
u could but do u have 100K? and here the other thing, POWER OF COMPOUNDING! if u receive money from your bonds? where do u put it certeinly u cant buy tbills at 10k which you recieve from your your bills,
bond funds have the power of compounding which the money you recieve from the t-bills are automatically reinvested. I did a math once starting at 5k plus 2000 each month for 20 yrs you would reach 5 million pesos!thats the power of compounding but this is not accurate coz I forgot the exct # but its close.

MUTUAL FUNDS ARE MADE TO BE KEPT FOR A LONG PERIOD OF TIMES AT LEAST 10 YRS!

again, text me and ill be happy to discuss it with anybody...

[aikea guinea]

@ sachem
P 5,000.00 for the Peso Bond Fund earning at a projected rate of 8% p.a. withdrawable anytime no holding period but you have a 1% exit fee if widthrawn within the year, more than a year no more exit fees.

If you decide to sell your shares Philam Assets will automatically buy your shares on current NAV(Net Asset Value per Share)

So there's TWO ways to earn when you get the interests(8% not guranteed) after 1 year and sell it back to Philam at current NAV which is now around P 2.08542 per share so meaning your P1.00 is now worth P2.00 more if you have invested your money a year ago.

PM for more details....

[Scalper]

this is a fun thread the one that posted this topic never go to answer any questions. But kalinaw is on the dot on all his observations

[jed_baguio]

i dont know about that, im not an expert, but my understanding is that you dont recieve the interest rate, the only way to see your result if you sell your shares of the bond fund... i kinda kow coz i dont recieve such intrest from my bond fund (philam life).

[renari]

www.bpitrade.com ... to trade in the Philippine Stock Exchange