Latest Report/Update of Mutual Funds.

[lorenzoleo]

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Hehe. Mao ni akong gipasabot sauna. A year ago (maybe two?) naay mga tawo dinhi sa forums nato na sige ug push na mupalit ug mutual funds ang mga tawo. Sakto man sila pero wa ko ganahi na ilang gipalabas na grabe ka safe ang mutual funds - to the point na murag gipalabas na na guaranteed imong returns. Tan-awa karon, if nipalit kag MF start of the year, on the average, nawala ang 10% sa imong kwarta. Normal raman ni, over the long run, makabawi ra siguro ka. Pero assuming nipalit ka January and kinahanglan nimo ang money now, aw alkansi gyud ka. I hope the people get this concept.

if you are a trader, MF is not for you. Understand?

[makie]

@lorenzoleo:

On a neutral ground, lain2 ug POV ang mga tao when it comes to investing. I understand the point of dodongisputing kay pareho mi ug panan-aw, right entry sa MFs. Sayang ang opportunity or ang time nga imong giinvest sa MF if you know that the NAVPS will still go down. Instead of getting more shares for a cheaper price if you'll be a little patient, mas mahal na hinuon ang napalit and for lesser shares. Of course, the scenario is different kung nakainvest na ka kay lisod2 man pud ug redeem then ipalit na pud later on. Entry lang gyud ang emphasis.

In line to cost averaging, I hope that the right entry will also be given more emphasis kay dako kaayo nang tabang labi na sa kadtong nagplan pa mostart or modugang. There's no need to monitor the market 24/7, even 10 minutes a day of reading the newspaper or browsing business news in the internet will suffice.

[lorenzoleo]

@lorenzoleo:

On a neutral ground, lain2 ug POV ang mga tao when it comes to investing. I understand the point of dodongisputing kay pareho mi ug panan-aw, right entry sa MFs. Sayang ang opportunity or ang time nga imong giinvest sa MF if you know that the NAVPS will still go down. Instead of getting more shares for a cheaper price if you'll be a little patient, mas mahal na hinuon ang napalit and for lesser shares. Of course, the scenario is different kung nakainvest na ka kay lisod2 man pud ug redeem then ipalit na pud later on. Entry lang gyud ang emphasis.

In line to cost averaging, I hope that the right entry will also be given more emphasis kay dako kaayo nang tabang labi na sa kadtong nagplan pa mostart or modugang. There's no need to monitor the market 24/7, even 10 minutes a day of reading the newspaper or browsing business news in the internet will suffice.

Mao, if plan siya mu kuha MF then dili pud nako siya offeran oi kung kinahanglan lang pud niya ang money in short term, sayang lang. Pero kung gusto siya long term, aw pwdi ko ka offer niya.

[dodongisputing]

if you are a trader, MF is not for you. Understand?

What part of my posts says that I'm a trader? I posted an observation. Why be defensive?

[lorenzoleo]

What part of my posts says that I'm a trader? I posted an observation. Why be defensive?

OK, lain2x man gud tag POV, so dili ta mag ka connect.
kay the way ka mu post imu raman gud tanawon ang MF for short term.
Then wala man pud mi ni sulti diri nga guaranteed ang returns. Sulti paman gani mi diri nga pang long term ang MF., kung need dayon nimu ang money for short term, dili pud ko mu offer nimu ug MF oi, alkasi.on palang ka, ako palang imu mahayon. Hehehe!

[Metz]

Now, tan-awa ang average 5-year return, naa ra dapit sa 15%. 15% over 5 years. Is that 3% per year? Mas maayo pa na imong gi time deposit. Very little ang risk, apsan pa nimo ang MF. Pero of course this may not always be the case. Research research lang para di ma mo-mo.

correction lang bai, kanang 15% is 15% per year not divided by 5 years.
time deposit nalang amo i-recommend if 5% ra ang kita.

cost averaging will work for the not so investment savvy.
correct timing will give better returns for stocks or MF.
stocks will always have better returns. but the risks is also greater.
if walay panahon mag tuon or mag trending, then maypa mag MF nalang.
but if kugihan, then stocks is a better option.

but more often than not, even when it comes to money, tapulan magtuon ang Pinoy. so mutual funds jud ang investment vehicle i-recommend nako.
once they gain maturity then they should go for stocks kay maximized jud ang return.

also nag attend mi ug PSE education drive gahapon,

predictions nila for PSE index could go as high as 4600, and recommended mag accumulate ug stocks sa 1st half of the year. so it will apply to MFs as well.

[wizard_jamex]

Mutual Funds Report as of February 24, 2011



Source : http://www.icap.com.ph/factsfignavps2.asp?D1=2/24/2011

LOLz....ni ubos ang NAVPS.....LOLz

[neo4596]

Yay! kabarato na sa mga MFs!...

[wizard_jamex]

Yay! kabarato na sa mga MFs!...

grabeh ka barato sa navps......lolz

[dodongisputing]

correction lang bai, kanang 15% is 15% per year not divided by 5 years.
time deposit nalang amo i-recommend if 5% ra ang kita.

Check what has been posted. That 15% average is not the annual return. Those are the returns over 5 years. Remember niagi ta ug financial crisis 2008-2009 mao nang mubo ang returns over five years (and mao nang taas ang 1-year return).

And if ang 5 year return 15%, then 5% compounded annually sa time deposit bigger gyud. This is not a preference, this is an observation. (i.e. if invest kag 1M 5 years ago, P1,150,000 na siya karon. If TD ka 5 years ago na 1M at 5% annual return, P1,276,282 na karon. So, almost double return based on our numbers.) Again, these are estimates based on the assumptions already stated above.

cost averaging will work for the not so investment savvy.
correct timing will give better returns for stocks or MF.

Very true. Pero cost averaging presupposes a constant supply of investible funds. (I guess consistent ni sa inyong gi recommend na save regularly para dili ka ma-hostage sa fluctuations sa stock prices.)

stocks will always have better returns. but the risks is also greater.
if walay panahon mag tuon or mag trending, then maypa mag MF nalang.
but if kugihan, then stocks is a better option.

True that. And ang relationship sa stocks ug sa MF as to risk is the same sa MF ug sa TD. Riskier ang MF sa TD pero better ang potential returns.

but more often than not, even when it comes to money, tapulan magtuon ang Pinoy. so mutual funds jud ang investment vehicle i-recommend nako.
once they gain maturity then they should go for stocks kay maximized jud ang return.

True gihapon.

also nag attend mi ug PSE education drive gahapon,

Good. That gives you a huge advantage over so many people who are still unfamiliar with money management.

predictions nila for PSE index could go as high as 4600, and recommended mag accumulate ug stocks sa 1st half of the year. so it will apply to MFs as well.

True that they predicted this. Pero careful lang, this is just one of the many predictions. Others are predicting a very poor year for developing countries like ours. Funds have been shifting to more mature markets now that the recovery in the US is gaining ground. Majority of mutual funds offered locally are equity funds with holdings sa local stock market.

See? Pwede man ta magdiscuss dinhi without being defensive or without feeling na I'm trying to attack you. If ang purpose sa mga tawo diri is to educate people, you should welcome me with open arms.