philam life, insular, prulife UK, UITF

[lodyl]

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I second the motion. Yes, Legacy is not an insurance company, it is a pre need company. There is a very big difference between an insurance company from a pre-need company. Be careful of your thoughts. Don't post if your not sure of your thoughts. Better educate yourselves first about Different kinds of Financial Industries. One company can give you education about financial industries. I recommend IMG (International Marketing Group). They will teach you about financial industries

Pwede mo ask ug unsa'y kalainan sa Pre-Need Companies ug Insurance Companies para namong mga ordinaryong nilalang?

[lodyl]

Need your advice...

Nakakita man gud ko ug COOP nga 12% ang interest per annum... what if adto nalang ko mag save/invest? Is it safe ba compared to mutual funds?

[Metz]

Pwede mo ask ug unsa'y kalainan sa Pre-Need Companies ug Insurance Companies para namong mga ordinaryong nilalang?

if you see the word "PLAN" anywhere in the name, most likely pre-need na. sa panahon nga nangayabo sila, dili na sila well regulated sa gov't. Last year, Insurance commission na moregulate nila. But as usual, uwahi na ang tanan, kay maihap nalang ang pre-need companies nga buhi pa due to CAP.

licensed insurance companies are well regulated by the insurance commission(IC). Stricto kaayo. As long as licensed by IC, guaranteed pay out jud na if something happens to you or your policies are guaranteed even if the insurance company defaults. Mao ayaw mo padala sa saying nga "ang amo company guaranteed jud ang pay-out", kay sila tanan guaranteed. Mag differ nalang sa kapaspas sa pagrelease sa money.

when CAP went down na apektohan tanang insurance companies maski different industries na sila.

Need your advice...

Nakakita man gud ko ug COOP nga 12% ang interest per annum... what if adto nalang ko mag save/invest? Is it safe ba compared to mutual funds?

about COOPs mao lang ni bantayi.

• check the background of that coop, there are good coops and there are bad coops.
• for that 12% return, wala ba sila ga require nga mo loan ka? kay Ive heard nga some coops will require you to make a loan para ma max ang return sa imo investment.(so even if bigger ang return, interesan man sad imong loan.)
• COOPs rely heavily on giving loans, so just in case daghan managan basin mayabo.

mutual funds in the Philippine setting invest mainly in blue chip or growing and stable companies, where more or less most of them will grow every year.

So naa ra nimo if you want your money to be lent to others for profit or invested in companies that are steadily growing and with excellent track records for years or even decades.

10 year average return of equity mutual funds are standing at 20% per year.

[lodyl]

Wow... thanks.... so for "faster ROI" mas better kong mag coop usa then mag MF later?

[jaguarxk8]

Bro, paki-pm pls sa imo agent sa philam life..tnx

for me Philam life insurance And PAMI., I started as early as 24 years old investing for my future.
I have an account in PAMI (PSGF),. maganda ung return every year kung marunong k mgtrading,. last year nmigay cla ng 30% stock div., less than 1 year umakyat ng 45% ung investment q,but I don't recommend n mgtrading if di mo naintindihan galaw ng market.

then the service is good lalo n kung yung broker mo is credible and the office as well as the staff's performance can be rated excellent.

My account in Philam Life,. it's a variable,.maganda kc fix ang no. of years ng savings unlike the 2 other insurance companies n nlagyan q 10 years ago, that they just said kahit kelan mo gusto at mgstop mgsave tapos after 10 years of paying monthly hiningi q ang estimated surrender value ng pera q if ipapastay q ng another 10 years and di nila mbigay ang estimated surrender value ng savings q,. (oh my God ano bang klac ng fund manager meron cla) sinabi lng ng agent at ng manager n malay mo mgdouble young pera, walang computation unlike sa philam naprepresent lahat s policy.
meron din yung parang time deposit ung "Money Tree". Maganda ang return if mababa ang stocks nung pinasok mo,.and halos lahat ng mga kakilala q nkuha tlga nila ang benefits as stated in the policy n walang aberya,

Meron din aqng variable n nkuha from other insurance companies (meron jan s nabanggit mo) before aq kumuha sa PAMI and Philam,. .so I can differentiate both.,

This is just base on my own experience and opinion.

[Metz]

Wow... thanks.... so for "faster ROI" mas better kong mag coop usa then mag MF later?

if I understand correctly, kanang 12% sa COOP fixed na diba?

15% to 20% sa equity mutual funds is the average. Naay years nga 80% to 90% ang performance(after 2008 crisis) but naa pud years nga negative(while ga crisis). Right now is a very good time to accumulate kay stable pa ang shares due to issues with US economy and Europe. But after a few years if nothing goes wrong, mo shoot up napud na. Ok baya kaayo performance sa local companies nato, affected lang ta sa gawas.

IMO, pag MF nalang if wala kay short term goals for your money. MF must be a long term investment.
sadly, daghan ganahan ug high return long term investments pero ang short term needs wa jud naatiman. most likely mawithdraw ra gihapon pag naa nay emergency.

[rio9098]

hahaha.. +1 ko ani..

legacy,CAP,pryce etc. are pre need not insurance for those financial illiterate ayaw sad mo post oi maulaw baya ta......heheheheheh

[haruma]

FAMI and PEMI are also good mutual funds.
Pwede paka mag broker aron imo nalang ang commission.

in terms of 5 year return, the current top 3 are

1. FAMI- First Metro
2. PEMI- Philequity
3. PAMI- Philam


if open ka to an appointment, I can discuss FAMI and PEMI with you.

BRO safe bani ang FAMI and PEMI for long term investments? Under ni cla sa insurance commission?
Pila pud starting ani and pila ka years pde ko maka withdraw if needed nako ang kwarta? Pila ang average interest per year ani bro? Pila pud madeduct sa ako investments for agent fees and etc?

[cool_romar]

Hey y'all. Should you need advice about these, visit me at Metrobank Banilad branch. 09328602234. Look for Romar.

[prince_cold]

Hi,

my comment is just base of performance and base on what my experience in the last 2 years, i was just a client of AXA Phils. when the market crass in 2008-2009.but i did not get my investment out by then instead i bought more.,until in 2010 i joined AXA as a financial advisor.then unit manager but now i am not connected with the company anymore but still my investment is still with axa and let me tell you why?

AXA has a product called variable life insurance product.,in simple term it is an insurance coverage but it has an investment side just like buying a mutual fund but the only difference is that you are covered in a case you die while investing. The good thing about this product is that you are only paying an insurance premium but you are already investing. there is even a greater chance that your investment will double,triple in just a matter of years while you are still covered with a life insurance.

a good example is the equity fund which was introduced in 2006 and in just a matter of 6 years it has already grew 200+ percent, meaning if you have invested in the fund 1 million in 2006 you should have a fund total value of more than 3 million plus today while being insured 25% of your initial investment. how good is that? well that is a very good way to invest

just to give you a quick glance of what im saying check the link below of the fund performance since inception

http://www.axa.com.ph/FundFactSheets...ity%20Fund.pdf