Sun Life vs. Philam Life Mutual Funds

[inspector_ronan]

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Kinsa naka ganansya na sa mutual fund for the month of september 2007 to january 2008 ?

[plush]

im more into ROP bonds. not very aggresive. not too conservative sad na sa time deposit ra ko.

i prefer more fixed income securities. but then again this depends on what your goals are, short term ba or long term .

to all financial consultants here, what do you suggest i do with my dollar bonds and tds? you think i should hold on a bit, or shift to another currency na lang, like the euro? im guessing the US is already undergoing a recession, despite their constant denial. or shall i change this to peso na lang..

[bluefairy]

i'm planning to get sun life or philam life or both...any advice?

[aninipot]

im more into ROP bonds. not very aggresive. not too conservative sad na sa time deposit ra ko.

i prefer more fixed income securities. but then again this depends on what your goals are, short term ba or long term .

to all financial consultants here, what do you suggest i do with my dollar bonds and tds? you think i should hold on a bit, or shift to another currency na lang, like the euro? im guessing the US is already undergoing a recession, despite their constant denial. or shall i change this to peso na lang..

IMHO: It would be best to change your dollar bond fund and td to peso bond fund. The peso is appreciating in value because of the current good economic fundamentals of the philippines, while, the dollar is weakening because George Bush is draining the US government resources to finance the war in Iraq.

And the best vehicle to invest in fixed income securities is in a bond fund held in a mutual fund or a variable life. Most people doesn't realize that longer maturity bonds bear higher interest. For example, most fixed income securities like ROP and T-Bills offered by banks to the public are the 5 years maturity kind, while institutional investors like mutual funds and insurance companies have a sizable bonds in 25 years maturity. Ngano man ni, ang individual investors man gud could not afford to wait 25 years para makuha nila ilang investment. Ang institutional investors like the investment and insurance companies padayon ang kinabuhi samtang wala na-bankrupt ug moabot pa ug dugay. Ang PHILAM sa imong lolo, PHILAM ra gihapon nimo karon. Ang PRULIFE nga bag-o pa nisulod sa Pilipinas, PRULIFE na sa mga lolo sa United Kingdom.

5-Year Bonds today have rates of 6 - 6.5% while the 25-Year Bonds have rates of 9 - 9.5%. But bear in mind that rates are subject to change, depending on the result of the regular auction of the Central Bank.

Happy investing everyone.

[Batuktoy08]

bluefairy:i'm planning to get sun life or philam life or both...any advice?

They are both top performing.
Browse this site and you will learn a lot about MF and UITF - http://www.pinoymoneytalk.com/forum/index.php

[bluefairy]

bluefairy:i'm planning to get sun life or philam life or both...any advice?

They are both top performing.
Browse this site and you will learn a lot about MF and UITF - http://www.pinoymoneytalk.com/forum/index.php

Thanks batuktoy08! This thread is really very helpful.

[the_wandering_slasher]

Hi guys i'm interested to invest in mutual funds. You can email me markice_gokou@yahoo.com. I need more info before investing my money into any mutual funds.

[nelgraine]

guys interested ko mo invest aning mutual funds, pero naa ba mutual funds na ang interest per month is 10% para within a year double your money na. possible bana cya. ganahan na ko mo retire after 5 year kon naa man gani ni, thanks

[darkcrux]

Hi, just would like to address some common queries... ^_^

1. Asa ang nindot? PhilAm Funds or Sunlife Funds?
- Both PhilAm ug Sunlife kay nindot man ug performance. One advice is pwede nimo e diversify ang imo investment.. rather than usa lang ka mutual fund, pwede ka mo invest sa lain lain nga MF... other suggested na MF kay PhilEquity ug First Metro.

2. Interest rate?
- Ang growth rate sa MF is dependent sa market. Sometimes mo grow na siya by more than 40% and sometimes mo loss sad ug more than 40%. Super risky ang MF kung short term ang imong plan.. In short, pang long term investment jud na siya. Mostly mga bond funds in a span of 20 years mo average ug 6% to 10% p.a. then mga equity funds kay mo average ug mga 12% to 16% p.a.

3. Minimum amount and withdrawal fee?
- Usual mga mutual funds mo require ug Php. 5,000 or Php. 10,000 as first investment then some mo require ug minimum og Php. 1,000 para sa additional investment. Mostly, if mo kuha ka sa imo money within 2 years, naa jud na siya fee but wala nanay fee later on.

4. Tax?
- Gamay ra kaayo e compare sa uban na tax.

5. Website para sa performance sa MF?
- Mostly naa na sa ilang website (PhilAm or Sunlife).. then naa to site na naka butang ang tanan mga funds ug ilang mga performance. (I'll post it later)

6. Risk?
- Yes naa jud. Lesser risk ang Bond Funds kay mostly ila ni e invest sa government securities and as unbelievable as this seem.. mo bayad jud ang government.. so less risky pero lesser yield sad. Equities on the other hand, mas dako ug risk pero mas dako sad ug yield long term.

7. Tips?
- Try using Money Cost Averaging. One of the suggested investment strategy.

8. How to invest?
- Look for brokers or agents. ^_^ Be careful sad kay ang uban na mo deal is wala kaayo na silay knowledge about MF and how to maximize your investment.

9. Hmmm...
- Hope naka tabang ko.. if naa pa mo questions.. just ask lang.. basin maka tabang ko..

[darkcrux]

@nelgraine, if talking about mutual funds sa iya monthly performance... usahay mo -% pa gani na siya.. basta ingon ani na investments pang long term jud ni siya.. Money takes time and interest to grow. ^_^ Ang uban gani is in a year mo -20% or more.. Mao na padaganon nimo siya ug long term haron mo average siya since risky kaayo if kadyot raka magpa tubo..

Also kung 10% per month ang rate... 7.2 months kay mo double na imo money (Compound interest). Use the rule of 72 para mka estimate ka how many years mo double ang money.

Hope this helps. ^_^