Pls help!!! I want to KNOW and LEARN about MUTUAL FUNDS

[neo4596]

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Estimate lang ni bro...

If you invest Php 20,000.00 per year. It means you invest 1,600 plus something in every month.

You will have Php 1,153,300.78 in ten years if the interest rate is 50%.

ah ok. i just pray na ang interest rate is 50%. not bad though coz affordable ra ang investment. kanang 50% bro ba, mao na cya ang year to date? as of december 13, 2010 ang year to date sa FAMI equity kay 58.55%. mao jud ni consistent performance sa FAMI equity?

[wizard_jamex]

lamats sa tanan, now naa nko idea pila ako target investment per year...

Another question, Mas maayu ba mag monthly investment (Without considering about anang NAVPS) compare sa year end ka mu add sa imu MF? Like for one of the estimates nga 63k per year, asa mas okay 5k+ per month or 63K at the end of the year.. tnx

Its better invest monthly, because you can get more shares kung monthly ka kaysa sa per year ka then gamay ra ang shares makuha nimo. The more shares then the more money you will have.

[wizard_jamex]

ah ok. i just pray na ang interest rate is 50%. not bad though coz affordable ra ang investment. kanang 50% bro ba, mao na cya ang year to date? as of december 13, 2010 ang year to date sa FAMI equity kay 58.55%. mao jud ni consistent performance sa FAMI equity?

yep...mao na....

[makie]

lamats sa tanan, now naa nko idea pila ako target investment per year...

Another question, Mas maayu ba mag monthly investment (Without considering about anang NAVPS) compare sa year end ka mu add sa imu MF? Like for one of the estimates nga 63k per year, asa mas okay 5k+ per month or 63K at the end of the year.. tnx

There are a lot to consider kung mag invest ka sa mutual funds and either way, be it monthly or annually, magdepende na sa price per share.

For me, the good thing kung bultohon nimo is the returns would be much greater. If you invested P63,000 during the start of the year and the company performed at 20%, at the end of the year naa kay P12,600. Kung P5,000 monthly, ang interest is magdepende as to when did you invest. Complicated ang computation ani but more or less, it will look like this.

1st month - P5,000 (at 20% at the end of the year) will give P1,000
2nd month - P5,000 (assuming that from month until the end year 17% ang tubo) P850 ang growth from the 2nd month until the end year
3rd month - P5,000 (assuming that from the 3rd month until the end year 15% ang tubo) P750 ang growth

If you'll add it up, di na makaabot ug P12,600. Assumption lang pud na nga linear ang tubo within a year.

However, ang nakanindot pud kung monthly basis is that there will be times that the NAVPS will be down so kung mopalit ka when the NAVPS is down or lower, mas daghan ka ug mapalit nga shares. In 15 years, dako na kaayo na nga amount.

Personally, I'd go annually but keep an eye on the NAVPS. Kung moubos gani during the course of the year, invest na pud. I think that it is much efficient that way.

another thing, how much does a 3Million pesos worth 15 years from now? considering our current inflation rate?

More or less mao ni ang value sa P3M after 15 years with different inflation rates.

2% a year = P4,037,605.01
3% a year = P4,673,902.25
4% a year = P5,402,830.52

That means that what costs P3M right now will cost P4M after 15 years at 2%, P4.6M at 3%, and P5.4M at 4%.

Here's a very alarming fact. The inflation rate is around 7% for now so if that stays the same, after 15 years, what costs P3M now will be P8,277,094.62 then. For an illustration, a low cost housing by then will cost around P3M na.

The money losing value is also following the compounding formula.

[wizard_jamex]

There are a lot to consider kung mag invest ka sa mutual funds and either way, be it monthly or annually, magdepende na sa price per share.

For me, the good thing kung bultohon nimo is the returns would be much greater. If you invested P63,000 during the start of the year and the company performed at 20%, at the end of the year naa kay P12,600. Kung P5,000 monthly, ang interest is magdepende as to when did you invest. Complicated ang computation ani but more or less, it will look like this.

1st month - P5,000 (at 20% at the end of the year) will give P1,000
2nd month - P5,000 (assuming that from month until the end year 17% ang tubo) P850 ang growth from the 2nd month until the end year
3rd month - P5,000 (assuming that from the 3rd month until the end year 15% ang tubo) P750 ang growth

If you'll add it up, di na makaabot ug P12,600. Assumption lang pud na nga linear ang tubo within a year.

However, ang nakanindot pud kung monthly basis is that there will be times that the NAVPS will be down so kung mopalit ka when the NAVPS is down or lower, mas daghan ka ug mapalit nga shares. In 15 years, dako na kaayo na nga amount.

Personally, I'd go annually but keep an eye on the NAVPS. Kung moubos gani during the course of the year, invest na pud. I think that it is much efficient that way.

I understood your point bro, mas kuti computation if monthly ka mag invest but the good thing is that when the NAVPS of that month is in low price then you can buy more and more shares compare bulto nimo ug invest in a year. You can have more shares if you invest in monthly. hehehehehe...

The more shares...the more merrier....hehehehehe

[SioDenz]

@makie, tnx kaayu bro..

Maka pa eskwela kaha na ug college ang 3M 15 years from now? hehehe

[makie]

@makie, tnx kaayu bro..

Maka pa eskwela kaha na ug college ang 3M 15 years from now? hehehe

Murag kaya pa man siguro pero di ko sigurado kung makapahuman ba. Basin 2 sems ra ang kaya.hehe

[Metz]

lamats sa tanan, now naa nko idea pila ako target investment per year...

Another question, Mas maayu ba mag monthly investment (Without considering about anang NAVPS) compare sa year end ka mu add sa imu MF? Like for one of the estimates nga 63k per year, asa mas okay 5k+ per month or 63K at the end of the year.. tnx

mas maayo monthly kay tuboan na imo gihulog kada buwan

another thing, how much does a 3Million pesos worth 15 years from now? considering our current inflation rate?

3M @5% inflation 15 years from now is valued at 1.4M today hehehe.

[wizard_jamex]

@SioDenz

Kaya ra ang 3M makapaeskwela sa child....hehehehe

[wizard_jamex]

Yeah! Hapit na 2011. Mag start ko this January aron makita ang katag. hehehehehehe!