Time Deposit

[Metz]

Hapit jud ko ni-avail atong sa Landbank na time depost kadtong "harvest five", which means i-time deposit nmo imong 100k for five years with 4% interest per annum man tingali to.

gamaya sa interest sa?
mas ok paman ang bond fund sa MF ani, at least 7 to 8% per annum.

[neo4596]

gamaya sa interest sa?
mas ok paman ang bond fund sa MF ani, at least 7 to 8% per annum.

Mao jud bro, maayo pa mg-cost averaging sa MF or stocks...

[rev]

Guys, kinsay kanihaw sa Time-Deposite interest rates aning banks?

1.65 BDO
2.30 RCBC
0.05 PSBank
?.?? Bank of Commerce
?.?? BPI
?.?? Metrobank
?.?? Union Bank
2.5 Metro Cebu PSB
?.?? Landbank

These are raw

[wizard_jamex]

Guys, kinsay kanihaw sa Time-Deposite interest rates aning banks?

1.65 BDO
2.30 RCBC
0.05 PSBank
?.?? Bank of Commerce
?.?? BPI
?.?? Metrobank
?.?? Union Bank
2.5 Metro Cebu PSB
?.?? Landbank

These are raw

Bank of Commerce is from 1.375% to 2%. Depende sa tenor ug sa amount.

[lintanks]

Para sure mo, check out their FS

[lintanks]

Sakto ka. Tbills are for short term or up to 365 days only. Typo error. The main purpose of TBills issuances is to contract or expand money supply.

Money managers with short terms funds can only have certain elbow room to play around with their investible funds (depending on the instructions of money sources). Minimum investment of 200k and interest earned are subject to withholding tax of 20%. Due to competition, the term can be lowered. However, it is normally the big player with big appetites who are lording over the market.

Banks with excess funds park their funds with these short term funds. Or re-sell these at a spread. Then the proceeds are again re-invested.

On the other hand, ROP Bonds are short, medium to long term. The can be as long as twenty years or more depending on the terms offered.

For example, come February 22 or tomorrow, there will be an auction for the Fixed Rate Treasury Retail Bond with a term of 5 and 10 years, or maturity in 2016 and 2021. Public Offer Period February 22 to March 1. Issue Date March 3. Minimal nominal aggregate amount of PhP20,000,000,000.00. These are sold to securities dealer who in turn sell to big ticket investors and in turn to other investors. Yield is represented by coupons denominated or expressed as a percentile of the face value (par) on annualized basis, and payable semi annually.

Hope this will clarify and simplify a facet of a rather complex operation of a fund manager.

Hello Fellow Investors.

As mentioned in my previous post two days ago regarding Treasury Bonds, I am happy to enclose herewith the official results, terms and conditions offered by the Retail Treasury bonds as published in the national papers on 02/23. (I am not soliciting any investment placements nor offering any recommendations. Neither am I connected with any financial firms, groups or individuals. I am only sharing the enclosed information solely for the purpose of sharing my knowledge/information about an investment instrument available in the market today.)

RETAIL TREASURY BONDS

Interest Rate: 6% 5 year RTBs due 2016
Interest Rate: 7.375% 10 year RTBs due 2021

Interest Payment: Quarterly

Minimum Investment: P5,000 and in multiples of P5,000 thereafter

Offer Period: February 22 to March 1, 2011

Issue Date: March 3, 2011

Issuer: Republic of the Philippines

There you are. Do your own pencils pushing and line up your ducks.

[wizard_jamex]

Hello Fellow Investors.

As mentioned in my previous post two days ago regarding Treasury Bonds, I am happy to enclose herewith the official results, terms and conditions offered by the Retail Treasury bonds as published in the national papers on 02/23. (I am not soliciting any investment placements nor offering any recommendations. Neither am I connected with any financial firms, groups or individuals. I am only sharing the enclosed information solely for the purpose of sharing my knowledge/information about an investment instrument available in the market today.)

RETAIL TREASURY BONDS

Interest Rate: 6% 5 year RTBs due 2016
Interest Rate: 7.375% 10 year RTBs due 2021

Interest Payment: Quarterly

Minimum Investment: P5,000 and in multiples of P5,000 thereafter

Offer Period: February 22 to March 1, 2011

Issue Date: March 3, 2011

Issuer: Republic of the Philippines

There you are. Do your own pencils pushing and line up your ducks.

Asa ni nga bank? SOme banks offers Php 100,000.00 bisan RTB. Naglibog lang ko nila.

[wizard_jamex]

I just bought MoneySense magazine last Monday (Feb. 21, 2011), I read about Time Deposit topic in their issue and found out the top ten banks that offer high interest rate in TD.

1. Malayan Bank - "Malayan Bank Doble Doble sa Power Saver" (Thrift Bank)
Interest rate : 8.5%
Minimum Deposit : Php 5,000.00
Welcome to Malayan Bank

2. LBC Bank - "LBC Royal Earner" (Thrift Bank)
Interest rate : 8.0%
Minimum Deposit : Php 10,000.00
:: LBC Bank | Splash ::

3. AMA Bank - "5 years Time Deposit" (Rural Bank)
Interest rate : 7.25%
Minimum Deposit : Php 50,000.00
AMA Bank

4. Premiere Bank - "CTD Flex Time Deposit" (Thrift Bank)
Interest rate : 7.0%
Minimum Deposit : Php 50,000.00
Premiere Bank

5. Veteran Bank - "Hyper Savers, Maxi Return and Advantage Plus Time Deposit" (Commercial Bank)
Interest rate : 6.0%
Minimum Deposit : Php 100,000.00 (except Hyper Savers)
::Philippines Veterans Bank Website::

6. Planters Bank -"Premium Five" (Thrift Bank)
Interest rate : 5.75%
Minimum Deposit : Php 50,000.00
Planters Development Bank - The SME Bank Enabling Entrepreneurs

7. Sterling Bank - "Maxima 5 Long Term Deposit" (Thrift Bank)
Interest rate : 5.125%
Minimum Deposit : Php 25,000.00
Sterling Bank of Asia

8. May Bank - "ADDvantage 5 year Time Deposit" (Commercial Bank)
Interest rate : 4.75%
Minimum Deposit : Php 50,000.00
Maybank.com.ph

9. BPI Family Savings Bank - "BPI Family Savings Bank Plan Ahead" (Thrift Bank)
Interest rate : 4.5%
Minimum Deposit : Php 100,000.00
Welcome to Bank of the Philippine Islands

10. PNB - "PNB Wealth Multiplier" (Universal Bank)
Interest rate : 4.00%
Minimum Deposit : Php 50,000.00
Philippine National Bank Corporate Website - Bank with Us

[lintanks]

If I comment on their rates, I might inadvertently cast aspersions on the said banks.

Also please note. Please note. What kind of investment instruments you are buying into.

[lintanks]

Asa ni nga bank? SOme banks offers Php 100,000.00 bisan RTB. Naglibog lang ko nila.

There are. Do it sooner than later because the RTBs are being bought left and right.

These RTBs are being bought out by big ticket accounts. I am aware of quite a few placements in the tens of millions.