Looking For: Banks na dako interest sa Time Deposit

[Metz]

invest nlang sa cooperatives.. some have 15%+ divedends a year.

plus imu money months ra ma lock.. unlike sa mutual funds nga years...

meaning in case of emergencies. magamit jud nmu.. or if gnahan nka mag biz, pwede ra nimu kuhaon..

asa ka ana nga coop bai? and pila man pud imo i-invest for 15% dividends?
kay naa Coop ni offer nako ug 9% per annum, 1M pud lagi ang minimum. Gamay ray maka afford, while in MF you can start with 5k.

mutual funds earn average of 20% per annum but 12% ra amo post aron conservative.
as for mutual funds, naa ramay 6 months holding period and if mo exit during the holding period, 1% ra charge.

Pilay charge sa coop if mo exit within the holding period?

[Jayzee]

up for this!

[butchick]

PhilEquity Mutual Fund Performance as of 7/2/2010

NAVPS is = Php 14.9622 per Share



Look at the graph, If you have just invested during the Financial Crises (when the market go down from 2007 to 2009). This was called "Bear Market".2009 - 2010 it is called the "Bull Market". Imagine You invested during Fiancial Crises, the price per share is very cheap and when you sell your shares as of now, you could double your invesment. During 2009 that NAVPS was about Php 7 per Share, now it is almost Php 15 per share.

It was during 2009 that Warren Buffet said "It is now the time to buy stocks." So, I did and made double hit. I rememeber that these were the times that the people goes panic mode, but I didn't panic because at the back of my mind "What goes down will go up someday.". Market is just up and down. Just invest consistently no matter how the market looks like.

I thank IMG(International Marketing Group) that teaches me about this stuffs. Without this company, I don't know what is a mutual fund all about. This is the only company that teaches Mutual Funds. Without IMG Until now I don't know how to invest in mutual funds and manage money properly.

So kung mi invest ko 2007 - 2008 then halos mawala na akong investment bacause of the crisis. Atakihon man sad ta sa kasing kasing ani.

[AmorsoloX]

asa ka ana nga coop bai? and pila man pud imo i-invest for 15% dividends?
kay naa Coop ni offer nako ug 9% per annum, 1M pud lagi ang minimum. Gamay ray maka afford, while in MF you can start with 5k.

mutual funds earn average of 20% per annum but 12% ra amo post aron conservative.
as for mutual funds, naa ramay 6 months holding period and if mo exit during the holding period, 1% ra charge.

Pilay charge sa coop if mo exit within the holding period?

daghan ko coops gi apilan... lahi2x man.. naa uban more than 15% per annum.. daghan man ana.. example would be the coop sa military like what the guy above you posted.. naa pud coops sa teachers.. naa pud coop sa bankers (ako preferred).. pero mas nindot sa coop sa farmers kay dako kaau ka matabang sa society..

wala man sense mo exit ka during the holding period.. usually tag 3 months ra man holding period. unlike sa mutual fund nga years jud.. and also, pwede man nimu widraw imu dividends anytime.. di man apil sa kwarta nga on hold ang imu earnings...

possible gani if dako na imu deposit, imu nlang dividends magbuhi sa imu...

for security reasons. i wont tell which coop ko ni invest. hehehe pero kanang 9% tapos 1m capital, grabe pud..

you can invest maski 10k lang plus membership fee (around 1k-4k).. gawas sa interests you earn dividends pa jud... so nindut au.. i suggest you invest in coops of govt. employees.

[AmorsoloX]

So kung mi invest ko 2007 - 2008 then halos mawala na akong investment bacause of the crisis. Atakihon man sad ta sa kasing kasing ani.

mao ni nka sakit sa pag invest sa mutual funds.. hinay tubo kusog mo hagbong...

maau jud ng naa ka kwarta sa savings account in case of emergency..

actually.. while people lose money on paper assets during crises.. there are many businesses that earn big during these time.. life sucks doesnt it?

investing on stocks on public stock markets is not good as overhead costs are way too high... 100k invested on mutual funds earns lesser than 100k used in public stock trading.. but the best stocks to buy are whats called.. private placements.. meaning you buy privately owned shares of a company,, your 100k earns a lot more than on PSE or thru mutual funds...

my rule is.. never buy stocks that dont pay dividends.. because with dividends. you earn even while just holding the stocks.. you only see this kind of stocks in private companies (those not traded in the PSE)

the hard part is.. you really have to find somebody selling shares of there businesses/projects..

[Metz]

So kung mi invest ko 2007 - 2008 then halos mawala na akong investment bacause of the crisis. Atakihon man sad ta sa kasing kasing ani.

bai,

bali man imo mindset.
ang mga kamao ug mutual funds, wala nila giwithdraw ang ila investment.
While ganaog ang value, ang regular investment nila sa bank sa gibutang and when ni sugod na ug saka, ni sulod sila. doble ug triple kita sa mga investors.

and if you check the graph, even if nisulod ka sa peak sa 2007, if wala lang giwithdraw, ni gain na ug 33% at 2010.

mao ni nka sakit sa pag invest sa mutual funds.. hinay tubo kusog mo hagbong...

maau jud ng naa ka kwarta sa savings account in case of emergency..

actually.. while people lose money on paper assets during crises.. there are many businesses that earn big during these time.. life sucks doesnt it?

investing on stocks on public stock markets is not good as overhead costs are way too high... 100k invested on mutual funds earns lesser than 100k used in public stock trading.. but the best stocks to buy are whats called.. private placements.. meaning you buy privately owned shares of a company,, your 100k earns a lot more than on PSE or thru mutual funds...

my rule is.. never buy stocks that dont pay dividends.. because with dividends. you earn even while just holding the stocks.. you only see this kind of stocks in private companies (those not traded in the PSE)

the hard part is.. you really have to find somebody selling shares of there businesses/projects..

mas ok man jud ang stocks bai, unfortunately ang target market namo gamay ra ka afford ug 100k without jeopardizing themselves. yes they can start small but they can't afford the blue chip stocks and usually masunog ra ang ila investment.

ang gi target man jud namo is ang middle class, kay daghan man makakaya ug 5k initial, then 1k monthly. we aim to change the mindset of the middle class spenders. ang mga rich, gamay nalang kinahanglan itudlo, kay mas common sa datu ang savers.

[AmorsoloX]

bali man imo mindset.
ang mga kamao ug mutual funds, wala nila giwithdraw ang ila investment.
While ganaog ang value, ang regular investment nila sa bank sa gibutang and when ni sugod na ug saka, ni sulod sila. doble ug triple kita sa mga investors.

and if you check the graph, even if nisulod ka sa peak sa 2007, if wala lang giwithdraw, ni gain na ug 33% at 2010.

with regards to this lines.. your hoping the prices goes up. you really have no control over the market. what you are saying is techinically Gambling (mas gwapo nga word for it is speculation)... there is no guarantee that stock prices always go up.. actually, this would kill you if your investing on mutual funds.. but you could make a very huge profits if your investing directly on the stock market.. (more than 200% in just one year)

Praying is not a very good strategy..

and if you enrolled in the program by 2007 or earlier, nka hold baya imu money kay nka time deposit bya for pila ka years.. you really dont have control when to exit.. though pwede man ka mubayad sa exit fee.. pero all your gains would amount to nothing.. plus the fact nga going down ang value.. your actually at a loss.. k ra..

the most important thing to consider when investing is CONTROL! if you cant enter or exit at your will, then your not in control of your money.. that is very very bad..

mas ok man jud ang stocks bai, unfortunately ang target market namo gamay ra ka afford ug 100k without jeopardizing themselves. yes they can start small but they can't afford the blue chip stocks and usually masunog ra ang ila investment.

ang gi target man jud namo is ang middle class, kay daghan man makakaya ug 5k initial, then 1k monthly. we aim to change the mindset of the middle class spenders. ang mga rich, gamay nalang kinahanglan itudlo, kay mas common sa datu ang savers.

earnings from that amount are negligble.. mag tukod na lang carenderia or sari2x store dako pa earnings..

still. i find mutual funds very impractical as a savings vehicle.. due to the fact nga ma hold imu capital for years.. mas practical pa coops.. besides.. there are lots of cooperatives that cater to different kinds of people.. there are coops for the middle class..

maau ra ng mutual funds kung para sa imu mga anak.. assuming you invest for them at birth, so they will have enough money to start businesses at the age of 21 or 22...

maau ra pud ang mutual funds kung daghan kaau ka excess nga kwarta...

pila pa man ka years mo doble imu kwarta sa mutual funds oi... kung sa negosyo pa na. possible na mo doble less than 6 months..

savings account should only be used as emergency funds which can be used at any time when necessary..

[AmorsoloX]

naa ba cooperatives for call center agents? though i highly doubt naa.. if u guys know naa, pila pud kaha interest rate n how much ang membership?

most coops are for specific trades. like sa farmers and sa fishermen. teachers, developers, contractors.. etc.. naa gani for security guards.. naa pud some companies that instead of unions, they have coop for their workers...

[Metz]

with regards to this lines.. your hoping the prices goes up. you really have no control over the market. what you are saying is techinically Gambling (mas gwapo nga word for it is speculation)... there is no guarantee that stock prices always go up.. actually, this would kill you if your investing on mutual funds.. but you could make a very huge profits if your investing directly on the stock market.. (more than 200% in just one year)

Praying is not a very good strategy..

and if you enrolled in the program by 2007 or earlier, nka hold baya imu money kay nka time deposit bya for pila ka years.. you really dont have control when to exit.. though pwede man ka mubayad sa exit fee.. pero all your gains would amount to nothing.. plus the fact nga going down ang value.. your actually at a loss.. k ra..

the most important thing to consider when investing is CONTROL! if you cant enter or exit at your will, then your not in control of your money.. that is very very bad..



earnings from that amount are negligble.. mag tukod na lang carenderia or sari2x store dako pa earnings..

still. i find mutual funds very impractical as a savings vehicle.. due to the fact nga ma hold imu capital for years.. mas practical pa coops.. besides.. there are lots of cooperatives that cater to different kinds of people.. there are coops for the middle class..

maau ra ng mutual funds kung para sa imu mga anak.. assuming you invest for them at birth, so they will have enough money to start businesses at the age of 21 or 22...

maau ra pud ang mutual funds kung daghan kaau ka excess nga kwarta...

pila pa man ka years mo doble imu kwarta sa mutual funds oi... kung sa negosyo pa na. possible na mo doble less than 6 months..

savings account should only be used as emergency funds which can be used at any time when necessary..

bai, depende ra sa risk exposure imo gusto, kay kung ganahan ka almost no risk pwede ra bond funds but naa ra sa 8%-10% ang tubo. Ang equity funds can go as high as an average of 20%.

The market will go up or go down any time. as long as kabalo sila unsaon pag dala ang mutual funds di jud malugi. Ang gi emphasize lng namo is we need to know how to earn money whether the market goes UP or DOWN.

Katawa lang pud ko pag ingon nimo nga "we're praying for it to always go up", the reality is gahuwat jud mi mo go down. kay nag kabarato then mas dinagko amo i-invest. but even if ni plateau na, mag cge ra gihapon mi ug invest kay di man jud malugi through peso cost averaging.

And even if you invest directly in stocks, naa jud na speculation samot na kung dili blue chip ang stocks. And what can an average middle class income buy? usually non blue chip stocks, risgo kaayo. maypa mo join nalang ug mutual funds aron maka apil sila ug invest on blue chip stocks, maski 5k ra ila invest. i-manage pa ug fund manager.

and regarding business bai, sakto ka mas paspas ang tubo. what you fail to mention based on statistics, daghan sad mo fail and most common cause is discipline. mao advise namo invest lng sa ug mutual funds while ga gain pa ug knowledge, experience and discipline. Once ready na, then they can divert mutual funds to a business.



unsa na imo mutual funds bai? kay years man imo holding period di pajud ka maka exit kung gusto nimo. mura naman noon na time deposit.

ang FAMI ug PAMI, kay 6 months ra ang holding period nya 1% ra ang charge if ganahan jud ka mo exit.
ang PEMI kay 2 years but 1% ra gihapon ang charge if mo exit ka.

[AmorsoloX]

bai, depende ra sa risk exposure imo gusto, kay kung ganahan ka almost no risk pwede ra bond funds but naa ra sa 8%-10% ang tubo. Ang equity funds can go as high as an average of 20%.

The market will go up or go down any time. as long as kabalo sila unsaon pag dala ang mutual funds di jud malugi. Ang gi emphasize lng namo is we need to know how to earn money whether the market goes UP or DOWN.

Katawa lang pud ko pag ingon nimo nga "we're praying for it to always go up", the reality is gahuwat jud mi mo go down. kay nag kabarato then mas dinagko amo i-invest. but even if ni plateau na, mag cge ra gihapon mi ug invest kay di man jud malugi through peso cost averaging.

And even if you invest directly in stocks, naa jud na speculation samot na kung dili blue chip ang stocks. And what can an average middle class income buy? usually non blue chip stocks, risgo kaayo. maypa mo join nalang ug mutual funds aron maka apil sila ug invest on blue chip stocks, maski 5k ra ila invest. i-manage pa ug fund manager.

and regarding business bai, sakto ka mas paspas ang tubo. what you fail to mention based on statistics, daghan sad mo fail and most common cause is discipline. mao advise namo invest lng sa ug mutual funds while ga gain pa ug knowledge, experience and discipline. Once ready na, then they can divert mutual funds to a business.



unsa na imo mutual funds bai? kay years man imo holding period di pajud ka maka exit kung gusto nimo. mura naman noon na time deposit.

ang FAMI ug PAMI, kay 6 months ra ang holding period nya 1% ra ang charge if ganahan jud ka mo exit.
ang PEMI kay 2 years but 1% ra gihapon ang charge if mo exit ka.

for unsa kadugay pud para ma achieve ng interest rates? di ko motoo anang almost no risk ang 8%-10% ang tubo.. small risk hinuon.. special cases na ng equity fund moabot 20%. though possible sab it can go down 20%.. gains of 20% after 2 years is too slow for me..

so your praying for it to go down too? HOPING it would GO BACK UP? thats speculation..

i prefer company shares that gives me dividends. thats y i invest mostly on private stocks as far as paper assets go.. as it generates money while in your possession. unlike publicly traded stocks which you have to rely on buying low and praying for it to go high then sell..

tag 3 months ra man usually holding period sa coops oi.. interests + dividends pa jud..

kung mu invest nlang ka sa stock market.. do your due diligence on the company your investing.. especially their performance and their management..

i dont recommend blue chips as they are not guaranteed growth sab.. in the stock market, there are no gurantees.. makita sa kadto gi post nga graph b4, there was a sudden drop..

when looking at the stock market. dont look merely at the numbers going up going down.. know the companies.. look at trends.. for me, the stock market is only a weather monitoring station...

its also intersting to know that there were lots of americans who lost money thru mutual funds in the last 4 years due to the global crises.. took time to build, only a moment to loose it all.. hiring a fund manager is like hiring somebody to gamble for you.. you really dont need one if you know (thru due deligence) whats going on inside the company your planning to invest in..

cost averaging is a very poor strategy.. you limit your losses at the same time you are limitting your profits..

when capitalizing for a business, keep it safe as much as possible.. and keep it liquid as much as possible.. starting a biz is not about your being ready or not.. its about the market being ready or not..

as for me.. i have 3 accounts on mutual funds (one being my retirement? fund and another shared between me and kay misis) on different companies and one for each of my children and.. daghan man extra so mutual funds nalang...