Where to Invest?

[jmbernz]

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@cebudoneforyou

thanks. ng-search ko sa net, true..around 25k to 35k jud diay ang franchising..

Franchise Business Philippines - Home of Filtrepreneur Food Cart Franchises

[makie]

Guys, if you intend to invest in mutual funds through IMG, the minimum amount is only P5T, not P10T (except for Philam Asset Management). P10T is the minimum for PAMI (Philam Asset Management Inc.). The mutual fund partners of IMG are PAMI (Philam Asset Management Inc.), FAMI (First Metro Asset Management Inc.), and PhilEquity Fund Inc.

Regarding this thread, my vote will also go to mutual funds. Discounting the fact that I'm a mutual fund broker, mutual funds are very great investments. It is very convenient and simple. All you have to do is to invest your money in the mutual fund company and don't think about it. A professional fund manager will do the investing on the investors behalf.

If you invest in mutual funds, you will have some time to do other productive things hence increasing your productivity and efficiency.

[cebudoneforyou]

@jmbernz Welcome..

[Pezahub]

The type of investment you're going to choose depends on your time, money and knowledge.
1. If you are just going to invest and forget - insurance
2. If you don't have the time and knowledge - mutual funds
3. If you have time and knowledge - try putting up a business that you have the passion to manage; or try stock trading if you are free 9am-3:30pm

I hope it helps.

[IPsuite]

The type of investment you're going to choose depends on your time, money and knowledge.
1. If you are just going to invest and forget - insurance
2. If you don't have the time and knowledge - mutual funds
3. If you have time and knowledge - try putting up a business that you have the passion to manage; or try stock trading if you are free 9am-3:30pm

I hope it helps.

a very well thorough and precise answer..

[meigurl]

very informative thread. murag #2 ko dah. don't have the time and knowledge. hehehe.. haven't invested that much in my self.. naghinay2x pa ko..

anyway, naka.open ko ug MF account sa sunlife some time in 2010, nagkuha mn pud ko sa ila insurance. since then ako na xa nakalimtan kay nag.focus ko sa studies. what mahitabo ato niya? nagsige ra to ug tubo or what? after sa ako studies kay plan na nako balik ug invest ato.. currently mn gud, naa ra sa bank ako savings nya gamay ra ug tubo.. plan nako kuhaan ang sa bank, murag bahinon ba.. bank ug MF. okay ba na xa nga plan? sa ako nabasahan diri kay i just need to invest constantly sa MF like every month maghulog ba ug 1k etc. so MF works just like bank savings? unsay nakalahi sa duha?

[makie]

very informative thread. murag #2 ko dah. don't have the time and knowledge. hehehe.. haven't invested that much in my self.. naghinay2x pa ko..

anyway, naka.open ko ug MF account sa sunlife some time in 2010, nagkuha mn pud ko sa ila insurance. since then ako na xa nakalimtan kay nag.focus ko sa studies. what mahitabo ato niya? nagsige ra to ug tubo or what? after sa ako studies kay plan na nako balik ug invest ato.. currently mn gud, naa ra sa bank ako savings nya gamay ra ug tubo.. plan nako kuhaan ang sa bank, murag bahinon ba.. bank ug MF. okay ba na xa nga plan? sa ako nabasahan diri kay i just need to invest constantly sa MF like every month maghulog ba ug 1k etc. so MF works just like bank savings? unsay nakalahi sa duha?

Yes, dapat nimo idiversify imong kwarta. Take some from your bank savings then put it in investments such as MFs.

Here is an illustration why:

Bank savings interest rate - 1% (normally pero minus tax pa ni)
Mutual funds interest rate - average of 12% annually (most of the time, tax free ni)
Inflation rate - On average 3% to 4%

Inflation rate is the increase of the prices of commodities (annual rate) so if you have your money in the bank earning a measly 1% a year and on an inflation rate of 3%, then ang tinuod nimo nga interest is -2%. How can your money grow on a negative interest? Lugi gyud ka. Unfortunately, this is what most people don't see.

The key to successful investing is to put it into something that will give you higher than the inflation rate. Mutual funds, labi na if nindot ang economy, can give 12% or even higher than that. PhilEquity (a mutual fund company) for example has gone up by 65% in 2009.

Mutual funds work basically the same as bank savings but the difference is that [1] MFs are investments, not deposits, and [2] it is not insured by PDIC (PDIC only protect/insure deposits).

Only put money in the bank for your emergency funds. For investments or savings, don't put it in banks, invest it. Sayang kaayo imong kwarta sa banks kay kaonon ra sa inflation.

[blink31]

kung ganahan ka mo invest sa imo money, try business empire Lucio Tan company. after 7 days balik na imo 60% then mag generate pa jud na ug another money. you can visit the website Business Empire..

[correspondent24]

kung ganahan ka mo invest sa imo money, try business empire Lucio Tan company. after 7 days balik na imo 60% then mag generate pa jud na ug another money. you can visit the website Business Empire..

I don't want to spark anymore "MLM or Recruitment/Networking scheme" here na pud.

Anymore suggestions?

[MK]

hmm murag daghan naman suggest about stocks/mutual fund....how about business options napud?

cguro if naa ka enough capital and vacant lot not far from the city then try rental house, boarding house or apartment?