Stocks and mutual funds?

[ditty]

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do you wanna learn more about stocks and mutual funds?

ask what you wanna know!

[agokoy]

cool, huh. speaking as ordinary individual, juz wanna know
1. how stocks or mutual funds work? their diference?
2.what it take to get into it? how? who to go to?
3. assurance or risks of my personal investment

[kalinaw]

okay my stock guru.... ito na ang listahan ko.

FA:
- How to read income statement
- How to read balance sheet
- How to read statement of Cash Flows
- Comparison of Pro Forma Accounting vs. GAAP

TA (tell me more):
- Price Pattern
- Trendlines
- MA (moving average)
- Momentum
- Candlestick
- RS
- Oscillator
- Elliot Wave & Retracement

Detecting Scams, Fraud and Pump & Dump

Palihug ajaw intawon ko eh link sa another URL kay lisod kaajo sabton ng ilang technical term...... TIA

[SPRINGFIELD_XD_40]

YUP .... I agree with KALINAW ... give us KALINAW na explanation in LAYMANS TERMS . Tnx and more money for us !!

[kalinaw]

cool, huh. speaking as ordinary individual, juz wanna know
1. how stocks or mutual funds work? their diference?
2.what it take to get into it? how? who to go to?
3. assurance or risks of my personal investment

Agokoy,

By profession i'm an Engr. pero naay lang koy gamay ikatubag sa imong pangutana. Pls. allow me to answer your queries.

1. how stocks or mutual funds work? their diference?
Actually kanang stocks belongs to mutual funds & there a 3 types to invest in mutual funds. Namely stock/securities, Bonds & Money Market. How stock works? mura lang ug buy low & sell high. Pero deli lang sya yano-yano, you need a profound research sa imong magustuhan nga kumpanya. Para naa kay idea about good entry & exit. Difference? stocks MF invest primarily in shares of stock issued by the company, Money Market MF invest primarily on short-term securities issued by the goverment while Bonds MF invest primarily on bonds. That's how they deal in tate. Pero kung sa Pinas stock & Bonds MF pareho lang ang definition pero ang Money Market MF lain. Instead sa gobyerno nga securities ang bangko kung saan ka mo invest sila ng bahala kung asa nila eh invest. As far as i know, ila rapod nga gamiton sa ilang kumpanya to finance.

2.what it take to get into it? how? who to go to?
lets focus na lang sa stock, its a high yield & high risk investment puede pod nimong eh short or long term. Unlike sa Bond & Money Market naa na sila maturiy with a yield higher compare to your savings & time deposit. Sorry , wala koy idea kung unsa-on pag open ug account sa Pinas pero i'm sure pareho lang ang process kung mag open ka sa tate with foreign account.
- search ka sa internet kung asa maajo mag open cause different broker different man ug charging & penalty. Kung mangajo ka ug recomendasyon, puede nimong eh try ang ameritrade or e-trade. Medyo barato rana nga broker ug modawat pud sila ug foreign client.
- pag naka pili kana, moadto kasa website sa gusto nimong broker. Human fill-up ka on-line then eh print nimong kadtong imong gi fill-upan unja imong eh fax sa ila.
- i believe it takes a week to process human mo advise sila sa imoha kung approve kaba or deli. Once approve kana, puede kanang mo money transfer to fund-in your account.
- once madawat na nilang ang imong gi padala nga kwarta mo reflect na sa imong account. Pag nakita nimo nga naana kay balance to trade, thats the time puede kanang mo palit ug share of stocks.
- BTW, 2K USD para sa ordinary account 25K USD pod para sa margin account (pero lisod mag apply ug margin account kung foreigner ka or deli resident sa US)

3. assurance or risks of my personal investment
assurance mura man ug wala ni sa stock MF pero Money Market & Bond naa-ni. Kay mabalik man ang imong capital with an interest.
Actually taas gyud kaajo ang risk kung gusto mong mag invest sa stock. Some folks nag invest gyud sa stocks through there extra money. Extra money as in there income less monthly expense, housing, auto, pension & children educational plan. Kung naaap gani extra mao gyud nay ilang gamiton to invest sa stocks, its like your saving deposit with high risk & no certainty on your capital.

Hinaut maka tabang ng akong gi pang sulat..... Good luck.

[ditty]

ill get back to you all by next week.. mejo busy lang sched. btw, are you in manila?

[kalinaw]

Kung para ni sa ako-a nga pangutana. Usahay naa sa Manila, Usahay toa sa laing nasod ug usahay toa sa Leyte.

[myloon]

since the stock market moves very fast, i mean, the ups & downs of price quotes mas advantageous if you do your transaction online. i believe local banks here nag-offer na sila ana. you can check bpi's website, www.bpiexpressonline.com. gi-explain sad nila ang available investment funds to choose from. masabot ra man ang ilang explaination. ang mga requirements naa sad including the minimum amount para mag-open ug account. probably metrobank also have the same online trading.

[SPRINGFIELD_XD_40]

Lahi gyud na ang naay mo explain niom specially na binisaya pa usahay kay masabtan gyud ba . I know everything is in the internet pero naay instances lang gyud na you need to be specifically directed kay usahay sayon tan-awon pero lisod sabton .

[agokoy]

thanks kalinaw for the effort, it really makes a diffrence. it would be more helpful if you cite examples on a local setting. nga masabtan pud sa akong silingan nga titser nga retirable na who's looking for gud investment. can u cite also some tips you learn from ur own experience sa mutual fund/stockmarket? am always for the lookout of seminars or orientation about small time investments on it diri sa cebu. so far wa man ko kabantay announcement sa newspaper.