Looking For: Banks na dako interest sa Time Deposit

[Metz]

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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..

its not speculation when you are still investing even if the prices are going up.
speculation na if maghuwat ra jud ka ug market crash.
we use peso cost averaging thats why we always advise nga mo invest whether mo up or down ang market as long as long term ang plans.
if short term imo interest go mutual funds are not recommended.

almost no risk na bai, kay ang bonds are bought from the govt and big corporate bonds. I say almost kay if mayabo at gobyerno pointless raman gihapon kay tabla man ta tanan.

as for special occassion ra ang 20%, stock equities are performing at +50% right now but the 10 year average is at 20%, included na ang 2008 market crash ana.

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...

nindut mana imo strategy bai, however you are looking at mutual funds from the point of view of someone who is an EXPERT and can invest a lot in stocks.

Most people don't even want to read about books about managing finances samot na noon mag toon ug stocks. That's why MF ang amo i-offer so at least di kaayo dako ang chance masunog ila investment. Bahalag di kaayo kusug compared to managing your own stock portfolio, but at least naa silay better option compared to a banks time deposit and rather than just putting it in a savings account nga kan-on lang sa 5% inflation rate.

as for those you mentioned nga nalugi sa US pag crash, too bad for them if they invested in funds nga solely invested on real estate/banks. But if ila MF company ga diversify na daan(Im sure most of them do) and wala nila gi pull out, then dako na kaayo ug ngisi to karon and they wont be biased against MF.

ang problema sad siguro kay ang mga brokers nila wala sila gi-educate daan before investing maong ni pull out sila pag market crash.

if my client wants big returns in a span of 2 or 3 years, di jud nako pa investon ug MF kay wa ta kabalo kanus-a ang crash, but if willing siya mo wait ug 10 yrs and more ok kaayo.

papaliton nalang cguro nako ug libro about stock trading aron magtuon siya or they should venture in business.

[AmorsoloX]

though i highly recommend using mutual funds for children's college funds and retirement funds.. (di nako motoo anang college plans like CAP)

[Metz]

though i highly recommend using mutual funds for children's college funds and retirement funds.. (di nako motoo anang college plans like CAP)

yup pwede kaayo.
if ang client ganahan ug college plan, retirement plan, and pension plan, mutual funds jud amo i-offer.

[AmorsoloX]

nindut mana imo strategy bai, however you are looking at mutual funds from the point of view of someone who is an EXPERT and can invest a lot in stocks.

if mu invest nalang ba gani.. on any kind of venture.. make yourself an expert first to make the most out of it and to reduce overhead cost and lessen the risks..

if my client wants big returns in a span of 2 or 3 years, di jud nako pa investon ug MF kay wa ta kabalo kanus-a ang crash, but if willing siya mo wait ug 10 yrs and more ok kaayo.

thats y i dont like to invest on mutual funds.. 10 years is too long and ang kwarta di magamit during that time.. (not to mention the risk of the market crashing at the 10th year)

[AmorsoloX]

as for those you mentioned nga nalugi sa US pag crash, too bad for them if they invested in funds nga solely invested on real estate/banks. But if ila MF company ga diversify na daan(Im sure most of them do) and wala nila gi pull out, then dako na kaayo ug ngisi to karon and they wont be biased against MF.

MF companies dont want people to pull out as this would kill their capital.. until now after 4 years wa ghapon ka bawi ang mutual fund holders didtu sa US.. theres no reason it wouldnt happen here sa ato country...

it would be unethical to say sorry nlang sa mga nawad-an kwarta thru mutual funds considering your selling mutual funds..

[wealthyhead]

Mutual Funds are great but remember that it is not for profit, it's for achieving financial goals -> long-term growth

If you just want to profit, then MF is not for you. But remember your financial goals too -> retirement, kids education, etc..

[Metz]

if mu invest nalang ba gani.. on any kind of venture.. make yourself an expert first to make the most out of it and to reduce overhead cost and lessen the risks..

easier said than done for most of us bai.
most of our brothers don't think managing finances and investing is a priority.
all they think is, as long as modako lang ila sweldo, moabot rana ang time maka save sila.
and it's not true.
so kung maghuwat pata nga makarealize sila nga they need to handle their finances on their own, most of the time it's too late, that's why ok kaayo ang mutual funds kay mas stable siya for a novice compared to directly investing in stocks. And it's a good starting point, once mag tuon na sila on other investment vehicles, they can move on from mutual funds.

MF companies dont want people to pull out as this would kill their capital.. until now after 4 years wa ghapon ka bawi ang mutual fund holders didtu sa US.. theres no reason it wouldnt happen here sa ato country...

it would be unethical to say sorry nlang sa mga nawad-an kwarta thru mutual funds considering your selling mutual funds..

Naa bay MF companies sa US focused solely on real estate and time shares? Kay if mao, then hangtod karon wa pajud to sila kabawi.

What I find unethical is, if the clients are told nga it's guaranteed or they are not told what the risks are and how it should be managed. It's an investment but the risks are manageable. The MF companies we offer are diversified in investments, mostly stocks and bonds.

[neo4596]

yup pwede kaayo.
if ang client ganahan ug college plan, retirement plan, and pension plan, mutual funds jud amo i-offer.

O.T. naa pa ba ang CAP krn? or wla na cla nag-operate?

[AmorsoloX]

Naa bay MF companies sa US focused solely on real estate and time shares? Kay if mao, then hangtod karon wa pajud to sila kabawi.

a classic Case example of this would be CAP...

[Metz]

O.T. naa pa ba ang CAP krn? or wla na cla nag-operate?

Yes, CAP is still operating until now.

a classic Case example of this would be CAP...

CAP is not an MF it's a pre-need company. It's not even insurance, but daghan jud naamong tungod niya. Lahi ang requirements ug accreditations sa mga mutual fund companies and I seriously doubt CAP will qualify kay MF's need to be really liquid.

sauna, pre-need companies are not seriously regulated unlike insurance, stocks and mutual funds. Any company nga naay PLAN sa ila name pre-need na. Ok raman unta ang assets sa CAP, unfortunately most of them were solid assets. nya pag update sa tuition fee law, wa nila na dispose dayon ang assets to cover the fees. But ang mga pre-need companies karon regulated na, but mas mahal na ang premiums.