Which better joining a cooperative or investing on a mutual fund???

[BatmanBeyond]

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Well, base from my experience bro, yes, mutual fund can but of course this is depending on the market/economy. Sa coop, you are not buying a share, it's like nga savings program pud. Ma maximize nimo ang return sa coop if kung mu loan ka kay tagaan ka ug patronage fund aside sa dividend. But mao pud lagi, mu loan ka. If loan gani, naa jud nay interest. After all, sa loan man jud maka ginansya ug maayo ang coop. Lisud ang business sa coop if ang mga member nila puro ra mu save, walay mu loan.

To open an account in mutual, usually P5000 ra ang starting amount then P1k ang minimum to top-up(optional ra ni, dili jud mandatory). You can check in this website all mutual funds company here in the Philippines. Investment Company Association of the Philippines

Thanks.

Sa akong sabot Bro kay there are 2 options where you can grow your money in coop.

1. Being a shareholder wherein you will buy shares/share capital. This is where you will have a share in the patronage refund, dividends and any income/profit of the coop.

2. Being a depositor. Just like in a bank that you will open a savings account. But the good thing is mas dako ang interest rates sa coop. Im not sure if you can open a savings account only and not to put up a share capital.

So kanang patronage refund, sakto ba na you will receive ana if mo-loan ka? So if di ka mo-laon kay wa kay madawat?

If you will receive patronage refund because you loan, asa man ang mas dako - ang interest sa loan or ang patronage refund? I guess mas dako ang interest. Thus, I'd rather not loan if thats the case.

But if you will use that loan to leverage you in your business as an additional capital, then mas nindot ni sya.

By the way, I'm not a member of any coop but dugay nako cge ug research ani nila. I plan to open one this year na jud. Permi man gud busy,hehe.

[medwarc]

Sa akong sabot Bro kay there are 2 options where you can grow your money in coop.

1. Being a shareholder wherein you will buy shares/share capital. This is where you will have a share in the patronage refund, dividends and any income/profit of the coop.

2. Being a depositor. Just like in a bank that you will open a savings account. But the good thing is mas dako ang interest rates sa coop. Im not sure if you can open a savings account only and not to put up a share capital.

So kanang patronage refund, sakto ba na you will receive ana if mo-loan ka? So if di ka mo-laon kay wa kay madawat?

If you will receive patronage refund because you loan, asa man ang mas dako - ang interest sa loan or ang patronage refund? I guess mas dako ang interest. Thus, I'd rather not loan if thats the case.

But if you will use that loan to leverage you in your business as an additional capital, then mas nindot ni sya.

By the way, I'm not a member of any coop but dugay nako cge ug research ani nila. I plan to open one this year na jud. Permi man gud busy,hehe.

Yes kanang patronage fund, kana if mu loan ka bro. Kanang madawat nga interest from your savings, mao na sya ang dividend. Kung mas dako imo savings, mas dako ang interest. I don't know how they compute it ha but base na sa ako experience.
Regarding sa loan, yes it's your choice na if mu loan ka but there are some coops nga ila jud i force ila member ug pa loan. So choose wisely na lang sa coop nga imo apilan bro.

[BatmanBeyond]

Yes kanang patronage fund, kana if mu loan ka bro. Kanang madawat nga interest from your savings, mao na sya ang dividend. Kung mas dako imo savings, mas dako ang interest. I don't know how they compute it ha but base na sa ako experience.
Regarding sa loan, yes it's your choice na if mu loan ka but there are some coops nga ila jud i force ila member ug pa loan. So choose wisely na lang sa coop nga imo apilan bro.

Ang interest on your deposit bro is different na sya sa dividend. Ang interest is just the same as interest sa bank but higher lang jud ang sa coop like 4% per annum. Ang dividend is mao na ang profit-sharing na giingon nila. Meaning, ang portion sa net income is given to the members in form of dividends but I think this is not guaranteed kay what if dili ka sustain ang coop? Dividends will be based sa imu share capital as you're a part-owner of the coop. Patronage refund is just a rebate in essence if mo-loan ka.

Yes, pilion jud ang coop and mas nindot if they dont require you to loan. Also, di ko ganahan anang coop na you will pay pag attend sa orientation. Pwede free lang na?hehe. But I dont think naay coop na free ang orientation.

Asa diay ka nga coop nag invest Bro?

[medwarc]

Ang interest on your deposit bro is different na sya sa dividend. Ang interest is just the same as interest sa bank but higher lang jud ang sa coop like 4% per annum. Ang dividend is mao na ang profit-sharing na giingon nila. Meaning, ang portion sa net income is given to the members in form of dividends but I think this is not guaranteed kay what if dili ka sustain ang coop? Dividends will be based sa imu share capital as you're a part-owner of the coop. Patronage refund is just a rebate in essence if mo-loan ka.

Yes, pilion jud ang coop and mas nindot if they dont require you to loan. Also, di ko ganahan anang coop na you will pay pag attend sa orientation. Pwede free lang na?hehe. But I dont think naay coop na free ang orientation.

Asa diay ka nga coop nag invest Bro?

Yes yes I stand corrected bro. Let me clarify lng atong part owner ka sa coop, i dont remember nga na mention na sya. I clarify lng na bro sa coop nga imo napili.

I joined 2 coop, 1 sa company while ang usa sa ayala coop bro.

[mojojojo2010]

I joined 2 coop, 1 sa company while ang usa sa ayala coop bro.[/QUOTE]


good day, sir.

Sa Ayala COOP pila minimum investment?

Mo force ba cla og pa loan? kay dili man ko ganahan mo loan gud.

Asa sad diay ang address?

thanks.

[medwarc]

I joined 2 coop, 1 sa company while ang usa sa ayala coop bro.

good day, sir.

Sa Ayala COOP pila minimum investment?

Mo force ba cla og pa loan? kay dili man ko ganahan mo loan gud.

Asa sad diay ang address?

thanks.[/QUOTE]

First requirement bro is dapat employed ka sa any ayala owned company like bpi, globe, etc...