Mutual Funds VS UITF

[cebu.opportunities]

Hi everyone.. kutob ra jud q page 4 back read gikapoy na ko'g basa nya makasabot ko nya maglibog napod ko.. Ask lang ko ky Im planning to invest but want to gain more info's sa para way mahay and mas sure ko.. Pila ang minimum pag invest sa uitf?? Tnx daan.. ^_^

UITF sa banks...
BDO- 10k regular UITF
- 1k/month (auto-debit from salary) for EIP
Unionbank- 100k for Large Cap
don't know na sa uban banks

MF
- ny 5k, ny 10k... top ups at 1k

[rosygemini]

1 page backread.. so tinuod diay ning, win some lose some in this field of money making??

[powerplay]

1 page backread.. so tinuod diay ning, win some lose some in this field of money making??

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 investment which makes the volatility insignificant.

[powerplay]

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 their own advantages/disadvantages.
savings account for emergency funds that you will be using anytime soon, but minimal interest.
mutual funds for excess money that you have no plans of touching in the near future, and will give you better gains.

[cebu.opportunities]

^ possible since the market is volatile pero depende nimo on how you respond/react to the trend.
This is intended for long term. In the long run, short term fluctuations don't matter ra ky base from historical data, mo gain ra.

If Elliot wave (please search lang) will be "followed", naay certain time wherein padung naog but Elliot wave is just a theory and is just one of the theories so making it as our only basis will not suffice the "predictions". IMO

[medwarc]

to those who want to start MF or UITF, just start. enough na analysis paralysis since this will delay you in investing. you will much like and understand MF or UITF kung naka start na mo. I can assist you opening account in Philequity or Phil-am.

[I'm Pawesome]

Wala pa Sis uy kay ni target ko ug 15% pero murag naglisud man niungot sa 12%. BAsin this friday kung dili moubos ug 10% paper gain suwayan nako ug gawas akong 369 nga COP para kasuway sad ko ug redeem.

Yes tinood gyud mas lisud ang paggawas kaysa pagsulod kay usahay mahakog man ta bisan enough naman gyud unta ang na-gain. Mao ni akong gi-studyhan ron Sis ang pag-exit kung unsaon ..... lol

Sir, diba ang minimum nga deposit sa equity kay 10k ? naa bay chances nga ma hurot na imong 10k? nga loss jd tanan?

[cebu.opportunities]

Sir, diba ang minimum nga deposit sa equity kay 10k ? naa bay chances nga ma hurot na imong 10k? nga loss jd tanan?

as in zero jud? wa pami kasuway. if ma bankrupt siguro ang bank unya manirado. ky di man pdic insured ang UITFs.

1. greater portion sa fund ky gi invest sa stocks if equity fund but naa man certain portion nga gi-invest sa lesser risk investment vehicles so di siguro mahurot.
2. inig sud nimo, ang amount invest ky i-divide to that day's navpu and ang result ky number of participating units nimo. that alone is positive. in order for the navpu to be negative, moagi pa og negative level ang psei. around 6600 level siya karon and pila na ka years nilabay before nisaka in.ana nga level... murag dako2 nga disaster ayha pa siguro ma negative.

sorry kaayo ky nalibog na hinuon mo.
MFs and UITFs are designed for long term. Fluctuating ang market (up and down) but iyang long term trend is going upward. if nag peso-cost averaging mo (every now and then mag-"deposit" like every month ba ron), you'll eventually reap higher returns than that of the savings or time deposit accounts.

you might want to learn more about Mutual funds (similar to UITF), naay lecture ang wealth club on August 10, 2013 at 1pm to 5pm. naai existing thread for that diri ra gihapon sa Economics section.

[medwarc]

Sir, diba ang minimum nga deposit sa equity kay 10k ? naa bay chances nga ma hurot na imong 10k? nga loss jd tanan?

ma zero imo investment sa mutual fund kana guro mag world war III na kay cgurado man jud mostly corporations mag sira jud ana. pero try to imagine, 10 yrs from now, mag sira ba si jollibee, bdo, bpi, sm, abs-cbn, gma, metrobank? sample lang na mga corporations here sa pinas...

[I'm Pawesome]

so ok ra diay mag invest ko bsag 10k lng sa BDO equity fund, unya pasagdan nlng daun na mga master? mo tubo ranag iya?