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Mabuti pa itanong mo sa opismate mo ang pangalan nitong MF na sinasabi niya para makilatis natin.
Alin kayang Sun Life Mutual Fund yon? Alam ko kasi pito ang Sun Life Mutual Fund. Limang peso at dalawang dollar.
Kung ganun na kalaki ang fund value mo, then pwede ka naman mag withraw if you need the money, pero pag nagwithdraw ka, you are redeeming your shares equivalent to how much amount you need, ibabawas sa outstanding shares mo..
I suggest, divide your money, meron ka sa MF for long term and meron ka din sa bank for short term.
invest sa insurance linked to investment. insured ka na; protection sa illness, disability at death. pwede mo pa maenjoy ang profit ng investments mo. Dito kasi yun premium iniinvest. so yun profit dun pwede mong gamitin nang hindi nawawala ng protection benefits. Pwede kang magstart as low as 2k/mo
Hello po sa lahat.. medyo hindi ako sigurado.. maari po bang malaman ang kahulugan ng mutual fund sa kung anu anu pang mga fund? kasi ang bottomline ko lang naman.. saan ko pedeng invest pera ko para naman pag kailangan ko na eh may kinita siya instead of savings lang.. salamat po..
sana mabigyan niyo po ako ng suggestions or comments.
about where to invest your money depends on a lot of factors like your age, risk tolerance, purpose, etc..
for example po kasi, you expect to use the money after 2 months, you can go with 30 day TD rather than MF.. if you're into long term naman like 5 - 10 yrs, equity or balanced funds might be the best option..
Last edited by silverfei; Jun 30, 2012 at 08:57 PM.
When I'm saving, I also set aside a certain amount for pleasure.
All work and no play will make an employee a dull person.
The amount for pleasure should depend upon how much you earn. Peg a certain %.
When I was a fresh grad, pleasure means buy a new dress once every six months (maliit pa sweldo).
Now that I'm earning ok, pleasure means two local travel and one Asian travel a year. The % is still the same.
In one of my readings, it advises a 30% spend of your take home pay and 70% as follows.
30% invest in bonds - cash after 5 years (say you want to buy a house or car)
30% invest n stocks - for retirement, convert to bonds when reach 65 y/o
10% regular savings - for emergencies
^ mr sun_set that 30% in bonds baka hindi pa masunod kasi, correct me if I'm wrong, the bond market is not that active in the philippines
but TS don't just save
other vehicles also include:
Mutual funds and UITFS
of course the risk free Time deposits
if you invest in stocks for retirement doon ka sa company na hindi malulugi kahit nasa recession na ang pilipinas or kahit nalulugi na ang ibang companies
You can invest in bonds by buying a mutual fund or UITF that invests in bonds. That is probably the most convenient way for investors of modest means (like most of us here) to get into bonds.
kuya danny what bonds/uitf do you suggest should i invest?
the investment i made so far was the rtb last march. and TD which is earning only 4750 a month.
i want to invest in stocks pero newbie pa ako dyan. gusto ko sana uitf or mf pero wala ako idea saan maganda mag invest.
I also wanted to invest in stocks but don't have the skills and time to do it.
Kaya ang ginawa ko, I invested in Mutual Funds and Variable Universal Life Insurance wherein may expert fund managers who will do the investing for me.
You can choose where your fund will be invested in, whether sa bond, stocks or mixed.
In my case, 100% pina-invest ko sa stocks =)
Sa Sun Life ako nag-invest and happy naman ako sa returns ng fund ko.
Almost double na yung na-invest ko nung 2007
@sydney, saan ako punta para mag invest ng sun life? nasa general santos kase ako ngayon naka base.
regarding sa fund managers, meron bang magaling and hindi?
re: fund managers, siguro you can look at the Fund performance reports of the different companies para you can compare.
For Sun Life, you can check it here.
The column YOY shows the earning rate if you have invested last year.
Ex. under Equity Fund, if you invested August last year, your fund has already grown by 13.8687%
I'm actually a Financial Advisor for Sun Life =)
I can assist you if you have questions.
You can also check out the Sun Life offices in your area here