Investment

[medwarc]

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@ TS

Before jumping into investing, make sure you are building the right/solid financial foundation. Be protected first and have an emergency fund. These will protect your investments...

[ceryshanson]

Before I also want to apply for stock market or mutual funds but I just realized that it takes time to see the increase of my money and sometimes it is risky, now that election time is coming, I presume it will affect the economy or the stock market in particular.
I think going for putting up a business is quite an idea to take above others.

[miramax]

True indeed, the "key " factor is...once you indulge yourself in any form/type of investment you should know your purpose of it, not just for the sake of investing.
Mo invest ko kay akong friend ne invest unya naka exit 30% to 60 % iya ROI.
As we invest, we should first ask ourselves...Is the purpose or our goal to grow our wealth is for short term , mid-term or long term?
Second thing, as what @BatmanBeyond pointed na, we should know our Risk appetite/tolerance.
This will help us determine what is the right investment that suits best to our personality and needs.
Other important factors to consider are the ff:

* What percentage of your investments do you plan to spend in the next five, ten, or 15 years years?
* How much of a temporary decline (i.e. one year) in the value of your investment could you tolerate?
* In how many years will you withdraw all or majority of your investments?

[mr.fuji]

Bro, attend lang sa ug mga free seminars sa stocks ug mutual funds or read a book or blog. It would be much better if you study first before investing.

w........where ni ang seminars in cebu bro?

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@ TS

Before jumping into investing, make sure you are building the right/solid financial foundation. Be protected first and have an emergency fund. These will protect your investments...

pila ang percentage e invest if you have 1m in savings?

[medwarc]

w........where ni ang seminars in cebu bro?

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pila ang percentage e invest if you have 1m in savings?

Bro, on a 10 year average, most of the mutual funds can give you an 8-12% interest. Conservative pa na sya. But here's a sample of the actual performance of Philequity, one of the best mutual funds here in the Phils. But I would like you to remind that past performance is not necessarily a guide to future performance.

This is base on 10 year avarage:

Year Average
2006 52.26%
2007 18.33%
2008 -40.71%
2009 65.05%
2010 54.18%
2011 6.12%
2012 33.69
2013 0.87
2014 28.68
2015 7.67% YTD

Total average = 21.08%

[cebu.opportunities]

@medwarc,

murag iya gi mean sir kay pila ang allocation of fund.

if naa siya'y 1M,
pila i-invest, pila for emergency fund, pila for protection (life, health, non-life and wealth), etc

wala pd ko proper fund allocation. . . It would be nice if ma align og "sakto". Thanks sa input daan sir.

[medwarc]

@medwarc,

murag iya gi mean sir kay pila ang allocation of fund.

if naa siya'y 1M,
pila i-invest, pila for emergency fund, pila for protection (life, health, non-life and wealth), etc

wala pd ko proper fund allocation. . . It would be nice if ma align og "sakto". Thanks sa input daan sir.

Sis, sorry for the late reply and thank you for the correction as well. Wala sad ko idea Sis. I tried to review sad tanan books nako but so far more on portfolio allocation ra man naa ngadto. Ang iya man gud example is bali sa usual nga scenario where nag start pa lang ug save. Iyaha example is naa nay savings daan... But anyway, nindot ni nga example and will do research pa more.

[mr.fuji]

Yeah, i understand you bro and in fact i do have business man sad though ginagmay ra. Kadto imo gi share naa ka point but mu matter man sad ang situation sa tawo ato. A person with a full time job, mag lisud jud anang business kay iyang attention is di man 100% focus sa iya business. And not all nga nag business ni success. In fact mas daghan pa ang na fail. For every 100 nga nag start ug business, 5 yrs after,95 ana is close na, while 2 ana is successful na and the other 3 is naa na sa critical stage.
Regarding sa book, i do have it bro. In fact, daghan na ko book ni kiyosaki...hehehe and to be honest, lisud i apply ang uban niya teachings...

............. agree>>

[cebu.opportunities]

Sis, sorry for the late reply and thank you for the correction as well. Wala sad ko idea Sis. I tried to review sad tanan books nako but so far more on portfolio allocation ra man naa ngadto. Ang iya man gud example is bali sa usual nga scenario where nag start pa lang ug save. Iyaha example is naa nay savings daan... But anyway, nindot ni nga example and will do research pa more.

ok ra sir. dependent man sad siguro ni siya sa prioritization, liabilities and other factors so lisod maka himo og "standard" allocation, hehe... curious sad ko ani. trial and error pa hangtod mo fit.

[ilovecebubraces]

The best way to go is investing your funds to stock market because every companies in the world are investing and trading in the stock market. If you are interested please join in the seminars will be held here in Cebu see https://www.istorya.net/forums/busine...ent-hands.html