OT:
Pwede ra ta mo by-pass sa banks bro, the secret of the wealthy is here!! Mutual funds!
butang namo mutual fund mga bro, sayang ang time and ang ROI sa money,
Learning how to do, and doing what you learn is a very different story...
Learn from a financial adviser, and even much better become your own financial adviser..
whoooosshh!!

saka nato be....
if you only want to save money para dili mogamay ug value tungod sa inflation, time deposit is the way to go. Inflation is around 4% a year. Interest sa time deposit is around 4% a year pud. A regular savings acct w/ around 1% per annum interest is the worst thing you will do to your extra money if you plan to keep it long term. Why? Inflation eats it up over time.
if you want to crank up a notch, go invest in mutual funds or UITF's.
Remember, "saving" is different from "investing"...
be carefull then sa offer nga dako kaayo interest
Remember Legacy

kamu tanan... nice kaayu ang topic but just a hint, high return high risk, low return low risk, average return average risk.
so, now d question is wat is ur risk tolerance.
i can help u decide wer to invest. dnt by pass bank its one of d primary investment intrument too...
BDO 2 years ago offered a 6net for 5yr1day term.
mutual, bonds, stocks - they may give high returns but of course high risk. i can tell u d upside as well as d downside of it. its not guaranteed.
go for guarantees. and a little of non, especially wen u dnt have much money to play with.
PM me if u need my advise.
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