Looking For: Banks na dako interest sa Time Deposit

[AmorsoloX]

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.

in principle, they operate the same way.. using the money of clients to invest on projects/ventures/stocks that supposedly will grow in value.. the only difference are on the things they invest in..

kung mag-preneed naman lang.. mas maau pa mag MF... due to the fact that its easier to pull out your money..

in all... naa ra jud sa tao ang pag invest.. basta for me.. MFs are a poor investment vehicle.. too little gain in proportion to time and capital invested.... maau ra kung wa na jud lain..

[Metz]

in principle, they operate the same way.. using the money of clients to invest on projects/ventures/stocks that supposedly will grow in value.. the only difference are on the things they invest in..

kung mag-preneed naman lang.. mas maau pa mag MF... due to the fact that its easier to pull out your money..

in all... naa ra jud sa tao ang pag invest.. basta for me.. MFs are a poor investment vehicle.. too little gain in proportion to time and capital invested.... maau ra kung wa na jud lain..

ang CAP bai nindut man ila investments. ang sayop lang nila ug sa govt kay dili liquid.
kung bati pa ila investments, wipeout na cla ron just like 80% to 90% of the pre-need companies.
although I don't recommend CAP, maypa mag MF nalang diretso.

if you want hierarchy of recommended investments, mao ni sa ako-a

1. mutual funds
2. stocks
3. business

but if wala pay financial and emotional discipline, then stay away from 2 and 3 kay more often than not negative jud padung basta wala giton-an daan. And sa pinas common kaayo ang case nga pataka lang ug sulod maski way tuon.

[AmorsoloX]

if you want hierarchy of recommended investments, mao ni sa ako-a

1. mutual funds
2. stocks
3. business

mine is reverse

1.) business
2.) private stocks/shares
3.) real estate
4.) public stocks
5.) mutual funds

time is money.. lost money you can regain. but lost time never...

hadlok ra cya kung imu lang tanawn.. but if you look closely at your investments.. its actually very safe..

P.S.. i understand why you believe so much on mutual funds as you yourself is an agent of mutual fund.. i also believe so much in businesses as i am an businessperson.. it really differs from person to person.

[Metz]

mine is reverse

1.) business
2.) private stocks/shares
3.) real estate
4.) public stocks
5.) mutual funds

time is money.. lost money you can regain. but lost time never...

hadlok ra cya kung imu lang tanawn.. but if you look closely at your investments.. its actually very safe..

P.S.. i understand why you believe so much on mutual funds as you yourself is an agent of mutual fund.. i also believe so much in businesses as i am an businessperson.. it really differs from person to person.

No problem with that.
Kay any businessman will find MF and stocks as slow growth.
But most don't have the discipline and knowledge to be a successful businessman, so MF and stocks can work for them.

Maybe someday naa sad ko ako business suwayan

[makie]

1.) business
2.) private stocks/shares
3.) real estate
4.) public stocks
5.) mutual funds

What makes mutual funds so appealing to people is the convenience that it brings. Starting and having a business, investing and trading in stocks, and investing and owning properties in real estate requires knowledge, experience, tons of effort, and could be a headache at times (labi na sa tax ug mga legalities).

The limited knowledge of people makes them hesitant. Starting a business, investing/trading in the stock market, and investing in real estate needs a lot of research and effort. But I strongly agree, nothing beats having your own business rather than investing in other people's business.

[^_HibakushI_^]

@lorenzoleo:when mag Total Financial SOlutions lecture for nxt yr.

its nice to invest ur money in stock market.its a safer and bigger income.

[lorenzoleo]

mine is reverse

1.) business
2.) private stocks/shares
3.) real estate
4.) public stocks
5.) mutual funds

time is money.. lost money you can regain. but lost time never...

hadlok ra cya kung imu lang tanawn.. but if you look closely at your investments.. its actually very safe..

P.S.. i understand why you believe so much on mutual funds as you yourself is an agent of mutual fund.. i also believe so much in businesses as i am an businessperson.. it really differs from person to person.

Hi Amorsolox, long time no see. Nindot pud imu bro, but pero dili man pud gud tanan gusto jud mag business, at least pud bah ang masa bro naa pud chance what the wealthy people are earning. MF is one good way for the masses especially for ordinary people who don't want to be in business. May na lang naa pud sila passive income. It is good to give everyone a chance to earn what the wealthy people are earning.

Kung ako personallyy papilion on what business to pursue, a business wherein I can help people save the right way and controls large distribution channel with a system already tested and in place, just follow the system and the system will run your business. Building your own distribution channels wide and deep equals Geometrical growth.

For me personally, MF is one of the baskets of my profit from my IMG business. My other Basket portfolioes will be Long Term Health care, Life Insurance (For Income replacement incase I die too soon and serves as estate preservation, always remember that all your businesses, stocks , investment will be part of your estate when you die, your heirs won't direclty get thos stuffs unless your heirs have money to pay for the estate taxes, before it will be given to your heirs, there must be court hearing first and newspaper publication, ingana ka kuti, mao pud ning usa ka dako nga problem sa mga dato. Hehehe! HOW TO PRESERVE THEIR ESTATE), Emergency Fund in the Banks.

In Financial Planning you must consider everything not just how to build your business. You must learn how to protect your assets, preserve your estate, learn about tax effect of your investment vehicles, prepare for income-replace(Insurance).

[lorenzoleo]

@lorenzoleo:when mag Total Financial SOlutions lecture for nxt yr.

its nice to invest ur money in stock market.its a safer and bigger income.

PM, sent..

[lorenzoleo]

YouTube - Philippine Stocks Jump - Bloomberg <-- A year ago. T_T!!!!!!!!!! Hehehe! That is why daghan na ug threads on stocks kay nindot pa man economy, kung bati napud ang economy, murag mu gamay na pud ang thread sa stocks. Hehehe!

Lingaw jud ko sa Storya na Manny Villar katong gi guest siya diri sa Cebu one of the stocks nga forums.
"Daming experts kung gumaganda ang ekonomiya, pero kung hindi maganda, kakaunti ang mag advice ng stocks." T_T!

You can based the performance of Philippines economy just by looking the performance of Mutual Funds. T_T!


Business Name: International Marketing Group Insurance Brokers Corp.
Business Origin: USA(A.L. Williams And Associates -> World Marketing Alliance -> World Financial Group)
Business Type: Financial Services Outsource-Distribution Model
Trade: Financial Industry
Current Capital Requirement: Php 3,700
Last Known Capital Requirement: Php 3,700
Posted by: lorenzoleo
Last Posted: Dec 2010

[rev]

Wow! Mura'g nindot ni dah.

Sa ako nabasahan, mao na ni ako nasabtan.

FAMI:

ROI ---------- 22.00%
Sales Load --- 2.00%
Exit fees ----- 1.50%
Mgt Fee ----- 1.75%

Net ROI ------> 16.75%


PhilAm
ROI ---------- 17.00%
Sales Load --- 3.50%
Exit fees ----- 1.50%
Mgt Fee ----- 1.50%

Net ROI ------> 10.50%

Sakto ba ni Boss Lorenzo?
Ako ra gipang-round ang ROI which i got from HERE as posted from the other thread.

Ok na kaayo oi!
And i believe naa pa ni sya chance nga mosaka!
Nya wala pa jud ni tax, di bah?

Aside from the Sales Load, exit and management fees, naa pa ba tay laing bayaran ani?

Tnx.


------
Btw, MrsJack is my mrs.
She told me about this yesterday.

Ug naa kay 10k unsa ng 2% sales load fee? How much will you get?