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

[ofw_cebu]

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Long term dyud ni nindot . . .

My Journey

- Invested MF in 2008
- Went through the recession time wherein after few months of investing, -20 to 30% ang nawala sa ako gi invest
- as of to date 30% ang tubo sa ako Bond Fund, while 45% tubo sa ako equity fond . . . .
-Regrets - kung naa lang ko dako money pag 2008, I would have invested more . . .

[wizard_jamex]

OT sa ko:

Dear crush nako sa Capitol,

Nindot kaayo ka gakson ug hagkan.....
Maboang ko nimo....whaaaaaaaaa

[makie]

Grabeh nimo mo calculate bro! Accurate man. Saludo ko nimo bro. Gitagsa tagsa jud nimo. Ni gamit ko ug Excel para ma hibalo sad ko. Kapoy man calculator gud.

Actually, sayop na pag first, gicorrect nako.

[wizard_jamex]

Actually, sayop na pag first, gicorrect nako.

Ok ra na bro..At least na apply ang Rule of 72.

[wizard_jamex]

Long term dyud ni nindot . . .

My Journey

- Invested MF in 2008
- Went through the recession time wherein after few months of investing, -20 to 30% ang nawala sa ako gi invest
- as of to date 30% ang tubo sa ako Bond Fund, while 45% tubo sa ako equity fond . . . .
-Regrets - kung naa lang ko dako money pag 2008, I would have invested more . . .

Unsa diay imo MF?

[Metz]

Actually, sayop na pag first, gicorrect nako.

bai sakto imo formula but ato commission is 2% * depende sa level. not the whole 2%.

[makie]

bai sakto imo formula but ato commission is 2% * depende sa level. not the whole 2%.

Thanks. Nihatag lang ko ug overview para mas makita niya ang picture.

[mrx412]

Thanks. Nihatag lang ko ug overview para mas makita niya ang picture.

salamat sa aqng mga kauban dri sa istoryans daku jd ni nga tabang!!!...hehehe..makahilak pd tag dugo ani..hahaha..btaw, ok jd ni bah kaysa sa UNO..hahahahahahaha...peace!!!!!!

[ofw_cebu]

Unsa diay imo MF?

MF - Philam Strategic Growth Fund

Bond Fund - Sunlife

[mrx412]

Investing brings along risk. The higher the risk, the higher the possible return. When it comes to mutual funds, the risk is higher compared to banks but logically, money doesn't grow in banks as much as in mutual funds. So why mutual funds?

1.) Mutual funds are diversified. If you invest in mutual funds, your investment will be invested not just in one company but in several companies. Diversification reduces risk since seldom or maybe never will it happen that all the companies that the fund managers invested in will all go down.

2.) Mutual funds are convenient. If you have some spare money, put it in mutual funds and you could forget about it. How? On the investors behalf, fund managers will do the investing. They are focusing on the market 24/7 and study the trend of the market.

Mutual funds is just like investing in the stock market only that in stock market, the investor does the work. Growth rates in investing directly in stocks might be higher than the performance of mutual funds but investing in stocks is only good for professionals or for people who have gained significant knowledge and experience in stock trading and investing.

3.) Mutual funds is easy. The process of investing in mutual funds is basically just the same as opening a savings account in a bank. You leave your money to the mutual fund company and let it grow. You don't need a knowledge about the stock market in order to let your money grow.

However, one should understand the basics in order to keep track of the investment. The fund performance is transparent and it could be tracked online on a daily, weekly, monthly, and yearly basis.

Before investing in mutual funds, do a research about different mutual funds companies and compare their performances for the past years or even decades. Mutual funds offers a good growth but you want to get the best growth right?

A good tip would be to further diversify by investing in more than one mutual fund company. the market is unpredictable and one company might perform better than the others. Another tip is to invest long term. The performance might go up or down and the risk is high if the time being is short. Past performances show that in time, it goes up.

right now bro, i have 22k and plan unta nako ibutang sa ni sa bank but since mas nice man sa mutual fund mag-invest unsa man ikasuggest nimu or sa mga nakaread ani nga istoryans unsaon ni pagdiversify para mas dili daw kaayo risky?? give me an example daw bro unsaon na nako pag-invest didto?