mutual fund vs investing direct in stock marke

[black rain]

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which one you prefer mutual fund or investing direct in stock market

[Cory1986]

Bro, i suggest u read the other thread. naa separate thread ana nila. Naa Mutual Funds, Trade and Invest sa Stock market. daghan au ka ma hibal.an. U have to be patient sa pag read sa thread kay perti ra bah taasa but its worth it

[Metz]

if you're a newbie and walay time to study investing, mutual funds is a good starting point kay naay fund manager mo invest for you. It's a very good alternative to time deposit. mura ni siyag training wheels sa bike. you can start for as low as 5k and add lang ka 1K anytime.

stocks has faster returns, but wayyyy more risk, samot na kung day trading imo plano.
read and study stocks investing before going in. and I suggest ginagmay lang sa sa sugod, aron pang feel lang, and gamay ra ang na risk na money.

if long term investing sa stocks imo gusto, check this thread,

Long term investing in stocks

[makie]

Both are good but there are several factors to consider para makadecide ka kung asa imong gusto.

Mutual Funds:

Pros: Very convenient kay fund manager ang mohandle sa imong portfolio. Just think of it as something like a time deposit. Pasagdan lang nimo and it will grow. It's money nga pwede ra nimo pasagdan or kalimtan for a specific period of time then balikon.

Diversified pud kaayo ang mutual funds because other than stocks, iinvest pud na sa mga fund managers sa bonds and other investments ang kwarta. Speaking about risk, minimal ang risk sa mutual funds because diversified siya and professional ang nagdala

Cons: Dili kaayo transparent. All you see is the NAVPS and the growth (or loss) but di ka makahibalo kung asa gyud specifically giinvest imong kwarta. For some this really doesn't matter much kay most people care about is the gain.

Mutual funds could perform less than investing/trading directly to the stocks. Bonds give lesser gains than stocks and since nadiversify ang investment, most likely apektado ang performance. It's not really bad kay kwarta ra man ang nitubo, it's still a win-win situation.

Naa pud siyay risk kay dili insured ang mutual funds sa PDIC, they are investments not deposits/savings.

Stocks:

Pros: Active management. Ikaw mismo ang momanage sa imong portfolio. You could buy shares that you want and at any time and at any amount (as long as sulod sa lot size). With that, transparent kaayo because you exactly know kung asa nainvest imong kwarta and makita pud gyud nimo in real time imong gains or losses.

The room for growth is higher. Kung sakto imong pagkapick sa stocks, nindot gyud kaayo ang dagan sa imong portfolio. Depending on the amount, a gain of at least P5000 is just average sa trading/investing kung maayo imong pagkapili. Some companies are also giving dividends. I'm not sure kung ihatag ba sa mutual fund companies ang dividends nga ihatag sa companies.

Cons: Risk is higher. As much as you could have a P5t gain in a day, pwede pud nga molose ka ug P5t in a day, sometimes, even more. My point is that you could gain quick, you could lose quick. Kinahanglan gyud ug maayo nga technical analysis para makahibalo ka ug asa padung ang trend sa market. If not, you would be trading/investing against the trend or you'd be gambling.

Requires time, effort, and constant updating. Since ikaw ang momanage sa imong portfolio, kinahanglan updated jud ka sa market behavior. Wala nay fund manager nga mohandle sa imong portfolio so you have to do it yourself. Daghan kaayo dapat kat-onon sa stock market.

Summing it up, kung bag-o pa ka sa stocks/MFs or don't have time, go for mutual funds. It's way better than putting money in the bank long term. But kung naa kay time and willing pud, go for both. Mas diversified imong investments then mas lawom pa imong understanding sa market. If masabtan nimo ang stocks, you'll know when is the perfect time to invest in mutual funds. Affected ang mutual funds sa performance sa stocks because mutual funds companies invest in stocks.

[Metz]

Both are good but there are several factors to consider para makadecide ka kung asa imong gusto.

Mutual Funds:

Pros: Very convenient kay fund manager ang mohandle sa imong portfolio. Just think of it as something like a time deposit. Pasagdan lang nimo and it will grow. It's money nga pwede ra nimo pasagdan or kalimtan for a specific period of time then balikon.

Diversified pud kaayo ang mutual funds because other than stocks, iinvest pud na sa mga fund managers sa bonds and other investments ang kwarta. Speaking about risk, minimal ang risk sa mutual funds because diversified siya and professional ang nagdala

Cons: Dili kaayo transparent. All you see is the NAVPS and the growth (or loss) but di ka makahibalo kung asa gyud specifically giinvest imong kwarta. For some this really doesn't matter much kay most people care about is the gain.

Mutual funds could perform less than investing/trading directly to the stocks. Bonds give lesser gains than stocks and since nadiversify ang investment, most likely apektado ang performance. It's not really bad kay kwarta ra man ang nitubo, it's still a win-win situation.

Naa pud siyay risk kay dili insured ang mutual funds sa PDIC, they are investments not deposits/savings.

Stocks:

Pros: Active management. Ikaw mismo ang momanage sa imong portfolio. You could buy shares that you want and at any time and at any amount (as long as sulod sa lot size). With that, transparent kaayo because you exactly know kung asa nainvest imong kwarta and makita pud gyud nimo in real time imong gains or losses.

The room for growth is higher. Kung sakto imong pagkapick sa stocks, nindot gyud kaayo ang dagan sa imong portfolio. Depending on the amount, a gain of at least P5000 is just average sa trading/investing kung maayo imong pagkapili. Some companies are also giving dividends. I'm not sure kung ihatag ba sa mutual fund companies ang dividends nga ihatag sa companies.

Cons: Risk is higher. As much as you could have a P5t gain in a day, pwede pud nga molose ka ug P5t in a day, sometimes, even more. My point is that you could gain quick, you could lose quick. Kinahanglan gyud ug maayo nga technical analysis para makahibalo ka ug asa padung ang trend sa market. If not, you would be trading/investing against the trend or you'd be gambling.

Requires time, effort, and constant updating. Since ikaw ang momanage sa imong portfolio, kinahanglan updated jud ka sa market behavior. Wala nay fund manager nga mohandle sa imong portfolio so you have to do it yourself. Daghan kaayo dapat kat-onon sa stock market.

Summing it up, kung bag-o pa ka sa stocks/MFs or don't have time, go for mutual funds. It's way better than putting money in the bank long term. But kung naa kay time and willing pud, go for both. Mas diversified imong investments then mas lawom pa imong understanding sa market. If masabtan nimo ang stocks, you'll know when is the perfect time to invest in mutual funds. Affected ang mutual funds sa performance sa stocks because mutual funds companies invest in stocks.

very well explained.
I suck at writing haha.

mutual funds is a very good "soft introduction" to investments. if ubos pa kaayo imo risk appetite, try MF aron ma feel na nimo ang mo own ug investment.

[AmorsoloX]

mas nindot ng direct in stock market.. paspas.. hehe

(assuming you know what your doing)