Axa Life vs. Insular's Fund's

[Samsia]

[epson]

yes i agree about time Samsia but i guess the managers are the most crucial aspects in play here because if your funds are pure equity even if half are bonds like the balanced funds of iL if ang fund managers dont know how to trade the market lugi lang jud gihapon ang funds and bonds nalang mag dagan but the equity markets always makes a big loss OR a big gain so if mag gain og ginagmay ang bonds then mag lose ang equity side lugi lang gihapon. i think managers are very important persons to know here because as what ive learned even sa stock brokerage there are even , if your really that unlucky, just newly hired fund managers to be assigned to your account.. thats what im afraid of. paets pud ana oi, maypay ako nalay manage sa akong funds ms kamao pa tingali ko hehehe

[epson]

i think funds are good for those people who are kind of busy to keep track of their investments. on my computation lang ha if i would be managing my funds right now it would have surpass the year-year history of both companies already all pure equities.
but these companies are still good considering for those people who are not that quite familiar in managing their own funds that's why we need the managers

[Samsia]

i think funds are good for those people who are kind of busy to keep track of their investments. on my computation lang ha if i would be managing my funds right now it would have surpass the year-year history of both companies already all pure equities.
but these companies are still good considering for those people who are not that quite familiar in managing their own funds that's why we need the managers

True.
But lahi ra gyud ang power of large pool of money kay makabawi man compared to limited funding. One mistake can burn a person.

[epson]

yes mas dako ang earnings basta dako ang investment but even how big u put ur investment in the company ur still limited to their policy and managers capabilities. whereas if you put the same big amount in your own portfolio and manage them yourself there are no cuts and policies that lessens ur investment. although its really much safer to rely on seasoned managers.. or are they?pag ampo nlng if ma tungnan kag manager that are just also starting hehehe

[epson]

a pooled capital is would really amount to big earnings but still when you divide it to your members the percentage of how much they placed still would produce your own percentage income based on he amount your put up. a big chunk of it goes to the managing companies hehehe

[ajol]

becareful of AXA!

they have lots of excuses when its time to redeem your investment..

[rickmags2000]

hi

share lang ko opinion try PhilAm, i have a minimal investment with them starting last march now it has grown more than 25%. its also true that its critical that the fund managers handling your investments possess the necessary skills relative to investments. do research, as i did, PhilAm took over GSIS mutual fund which was losing then when they took over a few years back it GSIS started to be on the positive and last year it yields 50%+ that should be some gauge in choosing your fund managers.

my two cents.

[Samsia]

yes mas dako ang earnings basta dako ang investment but even how big u put ur investment in the company ur still limited to their policy and managers capabilities. whereas if you put the same big amount in your own portfolio and manage them yourself there are no cuts and policies that lessens ur investment. although its really much safer to rely on seasoned managers.. or are they?pag ampo nlng if ma tungnan kag manager that are just also starting hehehe

Point is when you invest in pooled funds, you inherit the built in advantage of big investors. Thats why same rate of return for the big players and small players. Kinda levels the playing field. Dehado man gyud ang P1M investor compared to a P10B investor.

[ajol]

if you want to invest on your own you have to devote full time to it typically more than 8 hours a day looking at individual companies, revenues, earnings, etc.

Funds are for those that are working professionals that don't have anymore time to read on companies to invest. They just let fund managers do the research and trade. Of course the fund managers will get a % cut for their work.