How to make the most out of 30k?

[JezzyCalm]

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Hi. I got a govt loan. I really don't want unta but ana Sila kailangan daw mag.loan kay basin naa Lain makagamit. So, ga.loan sad ko...

Hahaha

So, rn I don't know unsaon ni pag.grow nga DLI xa ma.put to waste... Kay if ako lang xa ibutang sa ATM.. Mahadlok ko basin mahurot ras kuha2... Nya ma.tempt sad ko buy bisan unsa...

Any idea? Please...

[jackdi]

Hi. I got a govt loan. I really don't want unta but ana Sila kailangan daw mag.loan kay basin naa Lain makagamit. So, ga.loan sad ko...

Hahaha

So, rn I don't know unsaon ni pag.grow nga DLI xa ma.put to waste... Kay if ako lang xa ibutang sa ATM.. Mahadlok ko basin mahurot ras kuha2... Nya ma.tempt sad ko buy bisan unsa...

Any idea? Please...

Ako suggestions Maam:

1) Unit Investment Trust Fund (UITF) from banks.
- P10k ra man minimum investment.
- to be held for 3 months
- Wait until you hit a 10% profit, nya i-close/withdraw dayon. Then invest na pod
- Para nako, pang-short-term ni siya.
- you can monitor the growt at uitf.com.ph
- i suggest you take the "equity fund" type kay mas paspas motubo (though high risk pod)

2) Time Deposit in Coop
- for P30k around 4% to 4.5% per annum ang interest depende sa coop nga imong masuldan

3) Mutual Fund
- check at pifa.com.ph/factsfignavps.asp
- pili lang unsa imo gusto.
- for this one, pang-longterm jud ni.
- if OK for your risk appetite, go for equity fund type gihapon

Research lang jud gamay about whichever you'd want to invest it with.
Nya make it your own decision jud.

Goodluck.

[JezzyCalm]

Hi Sir,

Pwede ka mka.recommend unsa na bank para sa uitf? And unsa nga coop para time deposit?

By the way, bag o rako ga open og col account.... 5k rgud.. Nya ako GI.invest sa meg mpi og edc.. Mao ra.. nya ang edc pjud kay GI sell...

Ana pod ako kauban ako nalng daw ihurot og invest... Pero ga duha duha ko Kay hinaaaay kau grow sa meg og mpi man diay...

[JezzyCalm]

OK ba ang BPI BALANCED Fund? Unsa pasabot sa minimum additional participation?

[Watever_watever]

@JezzyCalm

mas nindot ang Metrobank TS sa UITF pero mas maayo kung imo na e-deposit sa COOP kay tax free

[jackdi]

Aw ok ra Maam, sa stocks naman diay ka nakabutang.
Ma-assume na nato nga gi-research og gi-study'han ang about stocks investment labi na ang ups-and-downs nga portion.
Payts na na Maam

On the uitf-balanced fund , makita man gud nimo ang actual performance bisag sa utif.com.ph nga website.
Awa ning screenshot below... 3-months' ROI comparison between Balance Fund and Equity Fund from BPI:


If ipa-widen nimo ang period, like starting from January 2017 jud, makita nimo ang growth.

[JezzyCalm]

Aw ok ra Maam, sa stocks naman diay ka nakabutang.
Ma-assume na nato nga gi-research og gi-study'han ang about stocks investment labi na ang ups-and-downs nga portion.
Payts na na Maam

On the uitf-balanced fund , makita man gud nimo ang actual performance bisag sa utif.com.ph nga website.
Awa ning screenshot below... 3-months' ROI comparison between Balance Fund and Equity Fund from BPI:


If ipa-widen nimo ang period, like starting from January 2017 jud, makita nimo ang growth.

Wow! Thanks sir! 😀😀😀 nice ni dah...

[jackdi]

No problem Maam.

Basta, to wherever you'd want to invest... research lang jud gamay Maam.
Assess your risk appetite.
Kay most of the time, mo-follow jud ang ratings nga low-risk, low-return / high-risk high-return.
Nya add simple mathematics on profit computation.

Goodluck and happy investing.

[luff101]

Yay, salamat sa idea.