interest sa time deposit

[skunkworx]

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About time deposits...gamay ra jud na cya, dli jud qah mag expect nga its a kind of investment, mra its like this Bank transactions is for safe keeping, not for investment, If you want investment then you go to Stocks, pro kani cya ila mga program nga double your money kana, mra matawag na nah cya nga investment, just make sure nga lig-on na nga banko like group of companies ky lisod na sila ma bankrupt, ila ra nah i evolve into new company so makuha ra japon nimo imo mga deposits...You can also try og gusto ka og dakodako nga interest investing in bonds, try the government banks basi naa pa sila ani, it was like landbank before, pro ila na guru i phaseout...

[lorenzoleo]

Your words don't reflect direct experience with time-deposits... kana imong nahibaw-an savings or current account ra siguro na...

Kanang long-term deposits nga at least 5 years, usa na sa mga basic investment vehicles nga e-consider sa usa ka capitalist kung mo-invest ba siya sa inyong mga produkto or sa uban or magbuhat man gani ug kaugalingon nga negosyo... e-make sure na nila dapat nga ilang e-invest nga kwarta mo doble gyud na in less than 5 years - at most 3 years if you wask me... kay kung 5 years pa na mo-doble ang kwarta nila sa ilang chosen investment vehicle, mas maayo pa mag double your money nalang sila para walay labad sa ulo.

choose wisely lang sa banko nga investan nimo TS...

Sorry dili nako gusto anang mga double your money scheme. I'm close minded with double your money scheme. Naka try naka sa na hitabo sa Rural banks na under sa legacy consolidated plans?
Close mind nako basta naay mag hisgot ug "double your money" in less than five years. Basin scam ug Ponzi Scheme pa lang ang paagi sa ilang pag invest, patay ta ana.

[cheaptech]

you can try buying philippine retail bonds...

6-7% interest per year

pero lock up pud 5 years or 7 years.


Sus daghan gyud to na biktima sa legacy....
Banga lang gyud to ilang fund manager....


I am thinking of starting my own fund management.....

[jojo_mouth]

If you want your extra money will earn faster then you have to invest not in time deposit.. stocks will move your money faster..

[rosaroso]

try to deposit in coop...inquire any coop

[Tirong-say]

How about if I have 2 million pesos, 1 million time deposit in pesos, the other half converted to dollars then e-time deposit pud, unsa kahay advantage ug disadvantage ini.........

[pogy_uy]

inflation bro. its a clear disadvantage on your part. -as what IMG people use to say. Which is true by the way

[MeMing]

you can try buying philippine retail bonds...

6-7% interest per year

pero lock up pud 5 years or 7 years.


Sus daghan gyud to na biktima sa legacy....
Banga lang gyud to ilang fund manager....


I am thinking of starting my own fund management.....

kung ma lock-up man lang gani imong kwarta for 5 years (meaning long-term investment na tawag ana sa atong bala-od which means TAX FREE nana siya) unya kana ra nga rate imong makuha per annum, pag abli nalang ug karenderia. klaro tawn kaayo kang alkansi anang kalakiha kung long-term investment imo istoryahan... nailad ka ana...

@lorenzoleo
sorry sa katong tao nga ni-apil ug double your money in LESS THAN 5 YEARS... dili na mao akong gihisgutan nga double your money kay dapat motongtong gyud ug 5 years ni akong gihisgotan... one of the main reasons for such a term is because it will become TAX FREE by then...

also, the double your money scheme I am talking about is GUARANTEED regardless of how the banks (in our case, BPI) handled or used our investment...

kanang imong gisulti nga mayabo kay nasayop ug gamit, mao ng mga PORTFOLIO investments gi-offer sa uban mga investments companies like PHILAM LIFE ba ron... kana nalugi nasad gyud mi ana...

[lorenzoleo]

klaro tawn kaayo kang alkansi anang kalakiha kung long-term investment imo istoryahan... nailad ka ana...

<-- Sorry, I don't agree with you. Successful investors always look at the long term.

I want to help you please refer to this link I hope this could give you insights

YouTube - Warren Buffett (World's Richest Investor): His Secrets Revealed!!! <-- Just finish watching the video streaming. I hope you are very familiar with this guy.


Maybe you don't know the power of compound interest, 7-8% is very big in long term. Do you know that?

Maybe you could try this formula F = P(1+i)^n

Where F = future amount
P = principal amount
i = interest rate per anum
n = number of years

Do you know that it is an exponential growth?

You you can predict when your money doubles using this formula:

n = (ln 2)/(ln(1+i)) or simply approximately

=to Rule of 72

n = 72/i

Bahalag mag nosebleed mo diri sa math basta ako ng gi prove ang rule of 72 gikan ani na equation

F= P(1+i)^n

let F = 2P <-- means double the principal, find n number of years to double

2P = P (1+i)^n

apply natural logarithm

ln 2 = n ln(i+1)

n = (ln 2)/(ln(i+1)) <-- Cge try it in your calculators. is is approximatley equal to rule of 72

[pogy_uy]

Maybe you could try this formula F = P(1+i)^n

Where F = future amount
P = principal amount
i = interest rate per anum
n = number of years

Do you know that it is an exponential growth?

I eat, breath and sleep with this simple formula below. (Simple Interest)

F = P (1 + rt) and its variations (Fix add on interest, Rediscounted interest, Compound interest.)
let:
F = future amount
P = principal amount
r = interest rate/mo.
t = no. of Months.