Looking For: Banks na dako interest sa Time Deposit

[lorenzoleo]

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lorenzo,

asa man ta maka-invest og mutual funds dinhi Cebu?
pila pod kinahanglan nga investment amount?

post detials beh... basin mainganyo pod diay si TS.

Naa ra ang link. Investment Company Association of the Philippines
Opening a Mutual Fund account is 5K Minimum and additional investment is 1K minimum.

I'm a license broker-dealer for PhilEquity Funds, PAMI(PhilAm Asset Management INC), United Funds. PM me.

Mutual Fund is like an alternative for time deposit annual return is 12% on average, it could even grow more than 20%.
Just click on that link. YTD% means Year To Date, it means that If you invested a year ago, that is the ROI of your investment as of NOW

1 Year Return means, If you invested Last Jan 1, 2010, that is the rate of return in percentage as of NOW.

That is why it is the best to invest your money directly into a mutual fund because it is usually where the bank is growing your money and the bank will promise you less than 3%. Hehehe! It is funny but alot of people are letting there money sleeps without knowing the real rate of return of their money, most people don't know the effect of inflation in the long term.

Investing in a mutual fund is an ownership/shareholder of the fund, if you grow your money in the bank your a loaner not an owner.

3 Kinds of fund in a Mutual Fund:
1.) Stocks/Equities
2.) Balanced (Stocks and Government Securities)
3.) Bonds (Governement securities)

This is one vehicles of the wealthy people because it has no TAX when you redeem your investments.
Unlike in the bank, when you redeem your time deposits, it has TAX.

[MrsJack]

Naa ra ang link bro. Investment Company Association of the Philippines
Opening a Mutual Fund account is 5K Minimum and additional investment is 1K minimum.

I'm a license broker-dealer for PhilEquity Funds, PAMI(PhilAm Asset Management INC), United Funds. PM me.

Mutual Fund is like an alternative for time deposit annual return is 12% on average, it could even grow more than 20%.
Just click on that link. YTD% means Year To Date, it means that If you invested a year ago, that is the ROI of your investment as of NOW

1 Year Return means, If you invested Last Jan 1, 2010, that is the rate of return in percentage as of NOW.

That is why it is the best to invest your money directly into a mutual fund because it is usually where the bank is growing your money and the bank will promise you less than 3%. Hehehe! It is funny but alot of people are letting there money sleeps without knowing the real rate of return of their money, most people don't know the effect of inflation in the long term.

Investing in a mutual fund is an ownership/shareholder of the fund, if you grow your money in the bank your a loaner not an owner.

3 Kinds of fund in a Mutual Fund:
1.) Stocks/Equities
2.) Balanced (Stocks and Government Securities)
3.) Bonds (Governement securities)

This is one vehicles of the wealthy people because it has no TAX when you redeem your investments.
Unlike in the bank, when you redeem your time deposits, it has TAX.

nice info.

• one more question, pila man pod ang broker fees?
• and aside from the investment amount and the broker fees, naa pa ba koy laing bayaran?
• insured pod ba ni sa PDIC?
• pila pod average ROI for 3 months and 6 months investment?

daghan man ako questions oi.
salamat again.


TS, mura'g mas nindot ni.
pero huwat ta sa ila reply.

[lorenzoleo]

nice info.

• one more question, pila man pod ang broker fees?
• and aside from the investment amount and the broker fees, naa pa ba koy laing bayaran?
• insured pod ba ni sa PDIC?
• pila pod average ROI for 3 months and 6 months investment?

daghan man ako questions oi.
salamat again.


TS, mura'g mas nindot ni.
pero huwat ta sa ila reply.

Sa PhilEquity Fund 3.5% ang management fees. Refer to link Philequity Management, Inc.)

Sa FAMI kay 2% ang management fees. Refer to link (FEES AND CHARGES : First Metro Asset Management Inc)

Naa diha ang details sa Fees.

I can help you just set an appointment with me. PM me.

A mutual fund is not a deposit product and is not insured with the Philippine Deposit Insurance Corporation (PDIC).
A mutual fund is buying of shares, your an owner. Unlike sa bank na you are a loaner. Bank invested your money here.
This is much safer vehicle than the bank because your investment is spread into diversified stock portfolioes. Growing your money in a bank is much riskier in the long term because of inflation.

Investment 101 : Inflation is the rise of prices of goods, services overtime. Example : Your 1 peso coin 15 years ago can buy 6 pieces of bread but your 1 peso today can't even buy 1 piece of bread.

Rich Dad Poor Dad said that the value of a dollar/Pesos lessens it's value overtime that is why you need to invest not just saving but save to invest.

[roelladrera]

for time deposit na php50,000 say tenure is 30 days interest is only 2.5% subject to 20% withholding tax. so computation wise:

50,000 * 2.5% * 30/365 = 102/month * 80% = PHP81.60 NET imo madawat in 30 days.

[warhorse]

Me too looking for it. but kanang secured sad tawn..

[knup24]

@lorenzoleo: if dli ni cya insured sa PDIC unsa amoa hold o security sa amoa money na dili mawala? im not famialiar with mutual fund but nice bya based sa imo g sulti kay dako interest... pero ang ako lng amoa security.. dghn na bya mga bank etc na nasira din ang uban depositor mglisod kuha... as of now para nko mas maau commercial bank regarding sa security but gamay ra interest noon. bt kani imo gsulti if mka unyon kosa security sa akoa money nindot invest ana...
@redhorse1L: unsa na coop bro? iya security sa money nindot? wat if mag declare banckrup ang coop naa mn kaha ta security sa atoa money?

mga bro unsa pa nindot sa mga bank? Quote from lorenzoleo "alot of people are letting there money sleeps without knowing the real rate of return of their money" ......

[lorenzoleo]

@lorenzoleo: if dli ni cya insured sa PDIC unsa amoa hold o security sa amoa money na dili mawala? im not famialiar with mutual fund but nice bya based sa imo g sulti kay dako interest... pero ang ako lng amoa security.. dghn na bya mga bank etc na nasira din ang uban depositor mglisod kuha... as of now para nko mas maau commercial bank regarding sa security but gamay ra interest noon. bt kani imo gsulti if mka unyon kosa security sa akoa money nindot invest ana...
@redhorse1L: unsa na coop bro? iya security sa money nindot? wat if mag declare banckrup ang coop naa mn kaha ta security sa atoa money?

mga bro unsa pa nindot sa mga bank? Quote from lorenzoleo "alot of people are letting there money sleeps without knowing the real rate of return of their money" ......

Ang mutual fund is like buying a piece of land. But a mutual fund is a paper asset not a solid asset.
Just think of a mutual fund is like a parcel of a land that you buy per sq. meters. We know land always appreciates it's value over time, same as mutual fund. Mutual fund is a paper asset. Mutual fund is very liquid, you can always sell your shares anytime you want

It is where most of the bank invest your money. Example PhilEquity (Oldest Mutual fund in the country). BPI invested their money in that fund, I know it because I as a shareholder of the fund, we can received annual financial reports. Mutual fund is invested in diiversified stock portfolioes.

The risk in a mutual fund in the fluctuations of the NAVPS through time but you can mimimize the risk but using peso cost-averaging and do it for long term. Mutual fund minimizes the risk in long term.

Mutual fund is the greatest equalizer, do you know why?
You know that SM is a very good business and you want to become a business partner with Henry Sy, do you think you have an opportunity? My answer is big YES, do you know why? Your money in a Mutual Fund is manage by a Fund Manager and he wil be the one to buy SM shares for you. That is the concept. Most of the people think that mutual fund is only for the wealthy people, WRONG!! In the reality, the mission of mutual fund is to let everyone experience the same Rate of Return of what the wealthy people are doing.

The psychology behind Investing is like going out from our comfort zones. We can never be successful in life we don't go out from our comfort zones. You can never do great somethings in life if we don't change our values.

[knup24]

@ lorenzoleo:got your point bro... can i have your email add coz i have a private question for you... i cant PM you here coz of your setting cguro..

dako dako na di ka money bro kay shareholder naman kaha ka? i mean base sa imo pag shareholder ok gyud cya? not base sa imo pagka broker sa PAMI ba o Phil equity? (not sure) ha coz syempre ma bias gyud ang tubag...

[lorenzoleo]

@ lorenzoleo:got your point bro... can i have your email add coz i have a private question for you... i cant PM you here coz of your setting cguro..

dako dako na di ka money bro kay shareholder naman kaha ka? i mean base sa imo pag shareholder ok gyud cya? not base sa imo pagka broker sa PAMI ba o Phil equity? (not sure) ha coz syempre ma bias gyud ang tubag...

You can become also a broker because if your a broker, you will learn how does financial market works. I have my shares in PhilEquity and FAMI at least naka diversified sad ko. Naka nindot sa mag broker ka kay dili ka ma biased.

PM sent.

[knup24]

tnx bro... i will check your PM...