What to do with your spare money???

[adzilla81]

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Share your blessings TS =D

[taz_mlynn]

How long will it remain "spare"? Mutual funds (equity funds), UITFs (equity funds) and the stock market are long term instruments so ideally, you should let it stay there for as long as you can, maybe at least 5 years. If you see that you will need it in within the next three to five years, mutual funds and UITFs are still good options but opt for fixed income funds.

That's true bro.. But what do you mean by fixed income funds?

[silentnuker]

there's just a lot of options for investment...a little bit of study will help. you don't actually need to hire a financial adviser but better to learn it yourself (even the hard way).

[makie29]

That's true bro.. But what do you mean by fixed income funds?

Fixed income funds are made up of bonds, bills, notes and the like. They are called fixed income funds because their returns are relatively "fixed" or the better term might be, consistent. They fluctuate less but they are conservative, di pud ingon ana kadako ilang potential gain compared to equity funds/stocks.

[lorenzoleo]

Mutual funds if you have no expertise or time trading in the stock market.

[deadspace]

Naa koy 50 k. Unsaon kaha ni nako nas moy idea?

[taz_mlynn]

Fixed income funds are made up of bonds, bills, notes and the like. They are called fixed income funds because their returns are relatively "fixed" or the better term might be, consistent. They fluctuate less but they are conservative, di pud ingon ana kadako ilang potential gain compared to equity funds/stocks.

Thanks bro.. I dont think stock market is for me pud.. I dont have much knowledge with it plus it goes up and down..

[istoryamember]

I think mutual fund will be the best fit para sa imoha. Ok ra pud unta business pero better kung ikaw mangunay sa pag start pero I think naa man ka trabaho so dili ka maka focus with your business. Check this site para sa mga list of MF Investment Company Association of the Philippines then work your way to Google the different sites ani nga mga companies. Basa2x lang. Good luck!

[creezluv02]

i would definitely invest and/or start a small business kay kung i time deposit nimo kay medyo gamay ra ang ROI compared sa first 2 mentioned.

[thadzonline]

Hi Guys...
Let's say naa kay Php 100K na extra money..
Unsa imo buhaton para mo dako pa xa?

Invest ug time depo?
Business? Unsa na business?

My first question would be: Is it really extra money? Consider this: Have you sat down with your financial adviser and sorted out your needs that at the end of the day you can say imo na na address ang tanan basic financial preparations and this 100k is really extra? When wala pa, you should spend time to sit down with a financial adviser to study your options(I can help you with that )

If this is really extra money, the second question would be, are you looking to invest it on a short-term or long-term basis? That will also help you identify unsa imo best options given your outlook preference. Kung long-term, pwede insurance-based solutions. Kung short-term you go for the mutual funds and to some extent the bank offerings(which is gamay kaayo ug yield)