Pls help!!! I want to KNOW and LEARN about MUTUAL FUNDS

[wizard_jamex]

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sir dugay raku interested ani.. can you email me more details?

melwinjames@yahoo.com

thanks

Details naman na ako gihatag...

Kung more details imo gusto basin ma abtan ko ug type diri...LOL

[mrx412]

Naa man IMG Office diha sa CDO...naka limot ko where ang place.

ah ok.. but nahan q s cebu lang kay me and my gf wants to invest in mutual funds dn naa nman dha s cebu aqng gf daan..hehehe..grabe jd kau ni bah interested kau mi...hehehe..cge ra mi tol aq gf ani but no idea jd mi ani..hopefully makaanha n jd q cebu..hehehe

[phattchoi]

sorry sir.. noob man gud.. anyways mao ni ako ganahan mahibaw-an

1. minimum investment cost?
2. is it true na mag agad sa market? like ang interest dli fix?
3. safe? i mean naa assurance na dli ma TY ang gi invest


thanks

[makie]

Icontinue lang ni nako,

sorry sir.. noob man gud.. anyways mao ni ako ganahan mahibaw-an

1. minimum investment cost?
2. is it true na mag agad sa market? like ang interest dli fix?
3. safe? i mean naa assurance na dli ma TY ang gi invest


thanks

1.) Minimum investment is only P5000 and a minimum amount of P1000 every time you decide to add some more.

2.) Yes, it is. Actually, mutual funds is the same as investing in stocks but the only thing is, in mutual funds, fund managers are doing the study and investment on our behalf. There will be times that it will go up and there will be times that it will go down. Statistically speaking, though there are fluctuations, it is linearly going up meaning your money is growing.

Regarding the growth rate, it isn't fixed.

3.) There is always risk involved and in mutual funds, risk comes with time. If you intend to invest for long term, the risk decreases. Assurance? It actually would depend on the company and on the investor. Find a reputable company and invest long term. In that way, the risk goes down and the assurance that your money will grow big increases.

[wizard_jamex]

sorry sir.. noob man gud.. anyways mao ni ako ganahan mahibaw-an

1. minimum investment cost?
2. is it true na mag agad sa market? like ang interest dli fix?
3. safe? i mean naa assurance na dli ma TY ang gi invest


thanks

Ok. Nako sabot man ko. Daghan man gud details sa MF...

1. Php 5,000.00 ang initial deposit of FAMI and Philequity. Minimum add on every month is 1k.
Php 10,000.00 ang initial deposit of PhilAm Assets Management Inc. Minimum add on every
month is 1k.

-Don't worry sa Forms. You can download it sa ila websites or you can also get forms in our
office (IMG, Salinas Drive, Lahug)
- Two valid IDs with signature for one of the requirements of Anti-Money Laundering (RA 9160).
Please photocopy it.

What if kung dila ka maka add on...motubo ba gihapon ang money? Answer is YES. Motubo
gihapon ang money bisan dili ka maka add on every month. Pero mas modako ang money kung
sige kang add on.

2. Yes, it's true mag agad sa market ang interest rate kay depende mana sa performance sa Mutual Funds. Year To Date (YTD) Return/1 yr interest Return/3 yrs interest Return/5 yrs interest Return mao na basihan report sa ilang performance. For now, The Market is Good. You don't need to worry.
Interest is not fix what I said, because it depends on the performance.

3.Safe? Yes it is safe to invest in Mutual Funds than to invest directly to Stocks Market.
Scenario:

Mutual fund is collectively pools money from individual and corporate investors. For example,

Ikaw, nag butang ka ug 5k sa funds.
Ako, nag butang ko ug 20k sa funds.
Imo partner, nag butang ug 10k funds.
Ang iro, nag butang ug 500k funds.
Metro bank, nag butang ug 100M sa funds.

Unsa man buhaton ani? Ang buhaton kay kani mga funds invest ni sa stock market pero dili kita
mo buhat ana kung dili sa funds manager. Ang fund manager ang bahala sa invest ana. Kita igo
rata modawot ug limpyo. Ang fund manager man gud kahibalo siya kung unsa mga companies sa
Stock Market nga maayo ug performance. Iya na i-diversify ang funds sa mga companies like sa
San Miguel (SMB), Jollibee (JFC), Ayala Land Inc (ALI), SECB (nakalimot unsa na), PLDT (TEL), ug
uban pa. (Diversify means gikatag ang mga funds).

Ang purposes sa pag diversify aron safe imo money then dili mawala... Dako sad ang interest rate
return or motubo sa imo money.
For example, kung ang JFC ug SMB kay nag loss sa performance. What will happen sa imo money?
Motubo ra gihapon..dili mawala...mogain gihapon because sa uban companies like ALI, SECB, TEL,
ug uban pa kay maayo man ang performance.

Unlike, diretso ka sa invest sa stock market (ok ra kung proficient ka about sa stock market kay
puwede ra...)

Kung dili ka expert/proficient...Mostly mahitabo mawala and money kay wala man ka kahibalo kung
unsa mga companies involved sa stock market and maayo performance.

Second, ikaw mismo ang mo manage sa imo funds...
Third, Mag-monitor ka every day sa stock markets from Monday to Friday(except hoildays) 9:00
am to 12:00 pm nga time..(ok ra kung wala kay work...wala kay buhaton...pwede nimo
mag monitor every day sa pse)
Fourth,mag-lisod ka ug diversify, because of limited money that you have. Kay sa stock market,
naa gitawag nga board lot. It means minimum shares that you will buy. For example, JFC
has Php 96 per share and board lot is 100. You have 5k. Do you think you can buy that
share? Answer is NO> Why? Dili igo imo money.

Php 96 x 100 = Php 9,600 ang minimum and You have 5k.

Ok ra naa ka 1 million pesos kay maka diversify sa imo funds from diff. companies.

i mean naa assurance na dli ma TY ang gi invest

Answer: 1 Million percent dili ma TY ang gi invest nimo.

I hope...I answer your question.

I'm not saying that investing in stock market is bad but you must be an expert sa stock market aron walay MAHAY kung mo invest ka directly sa stock market.

[wizard_jamex]

aw mao lage ni nga nahan jd q makahibaw ug mutual funds but too bad naa pako butuan city in mindanao. december pako naa dha..everyday ba ang orientation bro?

Naa man schedule bro.

[rescyth]

Dili man risky ang mutual funds.

Actually, mas bigger ang risk sa Mutual funds vs banks. In banks, that's why gamay ra ang % interest kay guaranteed ang imong return regardless of performance and your money is PDIC insured( a money back guarantee) if ma bankrupt*. Then as for Mutual funds, the R:R is performance dependent. Bigger risk means bigger reward or none at all if ma bankrupt.

* PDIC will insure upto 250,000 mn cguro.

-just my 1 centabos

[jackdi]

kinsa kahibaw na istoryans dha..pls help beh..nahan jd ko makahibaw ani..im still 23 and i think its better to invest in an early age..23 man gani kay too late na but ok ra basta nice jd mag-invest nga bata pa..dba..help beh...

Sir, ako ika-suggest ra jud is Invest while you are young!





OT:
Sa kadaghan jud sa IMG / Mutual Funds thread, I'm really wondering nganong naglahi og thread si TS?

KNK!

Anyway, it is good to ask...

[wizard_jamex]

Actually, mas bigger ang risk sa Mutual funds vs banks. In banks, that's why gamay ra ang % interest kay guaranteed ang imong return regardless of performance and your money is PDIC insured( a money back guarantee) if ma bankrupt*. Then as for Mutual funds, the R:R is performance dependent. Bigger risk means bigger reward or none at all if ma bankrupt.

* PDIC will insure upto 250,000 mn cguro.

-just my 1 centabos

what i mean dili risky ang mutual funds compare sa directly invest sa stock markets.

[wizard_jamex]

Sir, ako ika-suggest ra jud is Invest while you are young!





OT:
Sa kadaghan jud sa IMG / Mutual Funds thread, I'm really wondering nganong naglahi og thread si TS?

KNK!

Anyway, it is good to ask...

iyaha sad nah.... ganahan siya ma answer dayun...