risky ba mGinvest ug mutual funds krn??

[cirext]

if warren buffet would ask to use your money and return it after a year with returns..wouldnt you take the chance?key here is leverage in an institution who knows more and better...

Bro, if that person could multiply my principal at least 10x after a year, y not?
Ok raman cguro ang MF bro, but its too slow.
One year is too long... u can do so many things on it.
In business, u can even get clean profit by hundred folds.

But u r ryt...lain-lain pud to every person...
I guess MF is good for employees or students perhaps.
Bcoz bznzmen wants to take the biggest leap at the shortest time.

This is my simple-minded point lang. If somebody could enlighten mo on this, i would be highly appreciated.

[AmorsoloX]

Bro, if that person could multiply my principal at least 10x after a year, y not?
Ok raman cguro ang MF bro, but its too slow.
One year is too long... u can do so many things on it.
In business, u can even get clean profit by hundred folds.

But u r ryt...lain-lain pud to every person...
I guess MF is good for employees or students perhaps.
Bcoz bznzmen wants to take the biggest leap at the shortest time.

This is my simple-minded point lang. If somebody could enlighten mo on this, i would be highly appreciated.

exactly my point also... MFs are too slow.. i really dont like to tie-up my capital..
i invest my money on businesses and some projects that have higher turnovers.. i invest heavily on shares of private companies and projects..

but i would say what im doing right now is a lot riskier than MFs (ive had my share of bad experiences).. if you dont have the guts, i wouldnt advise what i do.. MFs are for you..

although MFs are a good way to build a retirement fund.. its not the option for those who really want to make big.. a business has far more rewards (and risks)

right now, im not too trusting in the MFs industry after what happened in the US.. daghan MFs na wipe out..

[jabez_rmc]

hi amorsolox and cirext..

i appreciate your replies and allow me to expand a little further....as ive said...MF is just like food that may not be everyones liking. i agree its not the best investment vehicle available and its not giving the best returns versus placing it into business...lets put it this way..maybe..lechon is the yummiest food available..but during fiestas do people eat only lechon? for me during fistas of kors dili ko tanan lechon....usually people have bulk lechon on their plate and a couple of rice, spag, chicken , small soup and a little salad.

we all have different approaches in securing our future..if for you , putting all your money back to business (becoz its much faster and bigger) thats still an option..but a very risky one indeed...

in my case man gud bro, why MF works for me because its just part of one of my investment vehicles..the returns of my money goes to investment vehicle A (Active but very risky), B (medium risk), and C (low risk)..and one of those is putting back my earnings to my business like what you are doing. mura bah baraha..bahig2x to different options...returning every earning back to the same business is for me very risky coz you could end up losing it all.

also bro...let me illustrate one useful function for MF...e.g. you have 150K para use nimo for your wedding in 2 years. you want to assure your money is intact para sure nga na a ka smthn to use by the time you need it...now.. you dont want to place your money in the bank because of the obvious reason nga its low low low return...but you dnt want it to invest in a business venture coz you know you are not assured in pulling it out after 2 years....but i would say you can invest this money in a MF or UITF or other funds, knowing you can pull it out anytime after 2 years, and expect a modest return knowing that its money you want for safekeep for a very important occasion. MOney for future uses like my example are good and better placed in low risk low yield investment vehicles.


i hope bro cirext this enlightens a little bit...every investment vehicle has its place in a persons' investment profile/portfolio. even gani banks...i place small money in banks because this is my emergency fund. accessibility to get ready money 24/7 is the most important criteria for an emergency fund... what happens if you place all your money in your high risk investment?nothing will be left...basin maka utang pa nuon ka with high interest rates..


to amorsolox and cirext..i understand and admire that you are hardcore businessmen and i would say with high risk appetite. that would clearly explain why your disdain from MF or similar investment vehicles.....but i encourage you to open you eyes to this little /small investment vehicles.. who knows..you cud find it a place in your investments.....

[indie]

DON'T PUT ALL YOUR EGGS IN ONLY 1 BASKET

ang MF and active Business investments are both good ways to earn financial gains.
of course there is always the reality of the pros and cons for each of these.

sa ako lang is ang maayo na approach is not to rely exclusively on one of these.
dapat KUMBINASYON mga bay.

mao nay gina ingun nga:

"don't put all your eggs in one basket: ... kay if madisgrasya na nga basket .. patay na! basag tanan imong itlog !

[miyay]

bitaw, slow ang mfs. i'll try my hand on stocktrading next year.

[jess]

dont compare returns/profit from business and profit from mutual funds, because at the end of the day, you need 3 things to make you wealthy: 1) People work for you (Employer-employee), 2)People work with you (busness partners, mentors), 3) Money work for you (liquid investment portfolio). kung cge lang ka prioritize hands-on negosyu, then for a certain period, nagkasakit ka,or na disable ka, u cant manage business for sometime - ur a loser yaya!, ampo lang walay mahitabu nimu.

[lorenzoleo]

dont compare returns/profit from business and profit from mutual funds, because at the end of the day, you need 3 things to make you wealthy: 1) People work for you (Employer-employee), 2)People work with you (busness partners, mentors), 3) Money work for you (liquid investment portfolio). kung cge lang ka prioritize hands-on negosyu, then for a certain period, nagkasakit ka,or na disable ka, u cant manage business for sometime - ur a loser yaya!, ampo lang walay mahitabu nimu.

Yes, I agree with you. Most people doesn't know the real characteristics of a mutual fund especially in long term. A lot of people lack to have the vision and forecasting. Most people always want the shortcut and short term. Cge lang sir padayon lang ta sa atong crusade.

Ok lang sad na sir at least naa jud tay ato.a.

Hehehe! Maka hinumdum lang ko sa mga lines ni Warren Buffet
"Be fearfull when others are greedy, be greedy when others are fearful" <-- Lawom kaayo nig meaning na linya, pero naa ni message once you have the exprience in investing.

Dili lang ko greedy that is why I share my knowledge to others.

"Most people don't plan to fail, they just fail to plan"

[noliverh]

dont compare returns/profit from business and profit from mutual funds, because at the end of the day, you need 3 things to make you wealthy: 1) People work for you (Employer-employee), 2)People work with you (busness partners, mentors), 3) Money work for you (liquid investment portfolio). kung cge lang ka prioritize hands-on negosyu, then for a certain period, nagkasakit ka,or na disable ka, u cant manage business for sometime - ur a loser yaya!, ampo lang walay mahitabu nimu.

mura pud diay ni ug passive income ang mfs?