sorry bro wapa ko cebu kron,salamat sa imo pm.
is this the correct thread to discuss this?
anyway all im saying is that dili sad siguro tanan ibutang sa mutual fund.
1. mas higher ang risk with no guaranteed gains
2. kung naa kay emergency bayaronon what happens?
i don't know if this applies to all but in my case if i withraw within the 1st year naay charges
just my opinion...![]()
1.) You can lessen the risk if ginagmay ka ug butang tapos kanunay and do it for long term.
2.) Akong advice before ka mag investment, start first to create emergency funds(3-6 months savings sa bank na dali ma withdraw). Para kung naay emergencies, naa kay emergency fund, ayaw withdrawha imung investment kay lugi ka kung short term.
sa multi-purpose cooperative nalang bro kay sure mura ka ga pensione na ana dayon, deri sa amoa municipality kay 16% per anum.. so dako gyud compare sa bank.
example:500000pesos*.06=30,000pesosper year/12mos=2500pesos permos maobani cya ang computation bro osayop.

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