What's the best thing to do with your 13th month pay?

[cyraxx]

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hehe be realistic its christmas time

[c0mpumast3r]

@compumaster

bro, pde pa send ug info on how to start ug open ug mutual fund? ug kung unsa ni cya? sorry la jd ko idea ana but i want to learn

PM'ed you bro..
We can meet for the discussion or details.

Anyway, this is how I define mutual fund...

A mutual fund is a type of investment wherein your investment(money) and the investment of other investors as well are pooled into one and are managed by a fund manager. The total money is invested to stocks, bonds, and many other investment vehicles and are monitored closely by the fund manager. The returns of a mutual fund (ex. if invested in stocks or equities) usually gives a 10% - 15% average interest per year. This makes mutual fund investors a clear advantage than those investors who just invest their money in banks which only gives them 1% - 3% per year interest. It's really hard to accept but this is the reality.

Too bad, only a few people knows this.

[c0mpumast3r]

Business is good. But the question you should ask yourself before starting your business are the following:
- what business should I open?
- mu-click ba ni nga business if mag-open ko ani?
- do I have the right attitude of being a businessman? (Hint: when a businessman opens a business, they are already prepared for loss)
- will my start-up business still run eventhough dili ko maka manage sa ako business? (in mutual fund, a fund manager does the business of investing your money to ex. stocks, therefore, you as an investor don't have to worry because it is your money working for you and not you working for money, unlike in most businesses)
- and many others...

In short:
In Business:
- you work for your business
In Mutual Fund:
- your money works for you

...the question is, which will you choose?

[white_tulips]

kanice sa mga suggestions..
bitaw TS, since u want to invest ur 13th month pay, either iinvest nimo sa mutual fund or sa stock market. hehe
pero sahon man pag invest sa stock market MoD? gusto ko makatuon.. hehe

[MoD]

kanice sa mga suggestions..
bitaw TS, since u want to invest ur 13th month pay, either iinvest nimo sa mutual fund or sa stock market. hehe
pero sahon man pag invest sa stock market MoD? gusto ko makatuon.. hehe

murag kahibalo naman ka tingali.. hehe incase wa... u can back read na thread "trading in the philippine stock market".. naa ra dire na section.. Goodluck.. and almost questions sa mga newbies natubag na pud didto ni bro ep or vondave ug uban veterans..


you need a broker bro... either online or live broker..

kasagaran dre sa istoryans.. ang gamit kay online broker.. citiseconline.com among gamit na broker..

[c0mpumast3r]

hehe be realistic its christmas time

Very Nice suggestion cyraxx! Gift giving!
It's the most important thing we, income-earners, should do this Christmas!

Save for yourself and also share your blessings to the needy.
In that way, dili lang kay nag-save lang ta diri, nag-save pud ta "didto".

[MoD]

Very Nice suggestion cyraxx! Gift giving!
It's the most important thing we, income-earners, should do this Christmas!

Save for yourself and also share your blessings to the needy.
In that way, dili lang kay nag-save lang ta diri, nag-save pud ta "didto".

oops.. i almost forgot.. dapat diay mu share pud.. hehe.. pamangkins.. and sa mga streets,,, bsan ginagmay lng..

[c0mpumast3r]

May I share this regarding mutual funds. Source >> Top Mutual Funds in the Philippines – 1st Quarter 2010 : PinoyMoneyTalk.com – Make Money Online, Stocks, Forex, Mutual Funds Philippines

Just a brief explanation:
This is the performance of your fund if you invest in the following mutual fund companies.
Note: I just emphasized 3 modes of investments [Equity (or Stock) funds, Balanced and Bond funds]. You'll notice that the interest rate depends on the type of fund invested because as I have said, it depends on your risk-tolerance. Equity is the most aggresive type of mutual fund investment.

YEAR-TO-DATE PERFORMANCE OF MUTUAL FUNDS IN THE PHILIPPINES
As of the 1st Quarter of 2010 (January to March 2010)

EQUITY FUNDS (primarily invested in Peso equity securities)
ATR KimEng Equity Opportunity Fund – 11.29%
Philam Strategic Growth Fund – 10.02%
Philequity Fund – 7.36%
First Metro Save and Learn Equity Fund – 6.73%
Sun Life Prosperity Phil. Equity Fund – 5.57%
Philippine Stock Index Fund – 4.89%
Philequity PSE Index Fund – 4.71%
United Fund – 2.47%

BALANCED FUNDS (primarily invested in Peso debt and equity securities)
MFCP Kabuhayan Fund – 9.03%
Philam Fund, Inc. – 8.01%
GSIS Mutual Fund – 7.76%
First Metro Save and Learn Balanced Fund Inc. – 6.95%
ALFM Growth Fund – 6.63%
Sun Life Prosperity Balanced Fund – 3.64%
Optima Balanced Fund – 3.37%
FOREIGN CURRENCY-DENOMINATED BALANCED FUNDS
Sun Life Prosperity Dollar Advantage Fund – 1.18%

BOND FUNDS (primarily invested in Peso debt securities)
Sun Life Prosperity GS Fund – 1.92%
Philam Bond Fund – 1.50%
Philequity Peso Bond Fund – 1.45%
Sun Life Prosperity Bond Fund – 1.23%
ALFM Peso Bond Fund – 1.12%
First Metro Save and Learn Fixed Income Fund – 0.98%
Cocolife Fixed Income Fund – 0.69%
Prudentialife Fixed Income Fund – 0.50%
Ekklesia Mutual Fund – No data

[c0mpumast3r]

This is the 2nd Quarter Performance.

YEAR-TO-DATE PERFORMANCE OF MUTUAL FUNDS IN THE PHILIPPINES
As of the 2nd Quarter of 2010 (January to June 2010)

EQUITY FUNDS (primarily invested in Peso equity securities)
First Metro Save and Learn Equity Fund – 23.07%
ATR KimEng Equity Opportunity Fund – 19.97%
Philam Strategic Growth Fund – 18.93%
Philequity Fund – 17.33%
Philequity PSE Index Fund – 11.55%
Sun Life Prosperity Phil. Equity Fund – 11.28%
Philippine Stock Index Fund – 10.19%
United Fund – 6.81%

BALANCED FUNDS (primarily invested in Peso debt and equity securities)
First Metro Save and Learn Balanced Fund Inc. – 23.64%
ALFM Growth Fund – 17.18%
MFCP Kabuhayan Fund – 16.36%
Philam Fund, Inc. – 16.02%
GSIS Mutual Fund – 14.49%
Sun Life Prosperity Balanced Fund – 8.32%
Optima Balanced Fund – 7.8%

BOND FUNDS (primarily invested in Peso debt securities)
First Metro Save and Learn Fixed Income Fund – 3.09%
Cocolife Fixed Income Fund – 2.92%
Philequity Peso Bond Fund – 2.82%
Sun Life Prosperity GS Fund – 2.63%
Philam Bond Fund – 2.45%
ALFM Peso Bond Fund – 2.40%
Sun Life Prosperity Bond Fund – 2.29%
Ekklesia Mutual Fund – 1.91%
Grepalife Bond Fund Corporation – 1.80%
Prudentialife Fixed Income Fund – 0.80%

[lorenzoleo]

Save and Invest!!!!!!!!