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Author Topic: Breakdown Current Savings and Investment  (Read 1502 times)

marssie

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Breakdown Current Savings and Investment
« on: February 21, 2012, 04:06:43 PM »
Sa dami ng thread about, MF, EF, SDA, TD, etc.. let's share naman kung ano ang purpose ng bawat isa para may guide na rin kung ano nga ba ang dapat na magkaroon for savings and investment. Right now eto meron kami:

Savings:

ATM/Savings ko - ginagastos ko para sa sarili kong kaek-ekan pag umuuwi kami or pag may kailangang bayaran sa side (family) ko.Pag nawalan ako ng work, me sarili pa rin ako pera ;D
ATM/Savings ni hubby - same, dito niya kinukuha ang gastos pag umuuwi kami at me ititreat siyang friends, pag gusto niya magbigay regalo sa side niya pag may bday or pag may kailangan ang side niya. Dito rin kami madalas kumuha ng gastos para sa food, travels etc namin during our vacations.
ATM/Passbook-Savings namin - Where we keep our savings,extra money for future use/investment. Dati eto rin ang EF namin pero since wala naman kami sa pinas ngayon, we decided to treat this as purely savings lang muna namin. Nandito rin ang malaking portion ng income namin.
Current Account - Dito namin dinideposit yung mga pambayad namin sa car,condo, and house and lot. So parang dito namin nilalagay lahat ng para sa bayarin namin
Dollar Savings for my son - pero di namin lagi hinhulugan,purpose is just to have a dollar savings.
Peso Savings for my son - savings niya,every other month ang hulog
Peso Savings - sa son ko again, para sa pag-aaral niya in the future kasi right now sagot pa ng company ni hubby, monthly ang deposit
Payroll Account namin ni hubby- since we are leaving abroad nga at pag natatangal sa work or nagresign,nakakakuha naman kami ng minimum of 2months salary as gratuity at back pay, Eto na yung Emergency Fund/Safety Fund namin. 10-15% ng salary namin ang iniiwan namin dito buwan-buwan.

Investment:

Mutual Fund - akin lang to  sabi niya, ayaw niya kasi mahurt pag nalugi, pero pag tumubo sa amin daw ;D .
1 Condo,1 H&L and 1 Car - so far eto palang meron kami ang currently binabayaran pa namin.

Need ko pa magresearch sa stocks, mutual funds etc.. newbie pa kasi kaya di pa ganon kalakas loob namin magtake ng risk kaya more on save muna, i really admire those people na mas ginagastos ang pera to buy stocks, properties, dahil mas malaki nga naman ang return, hope to be there soon.. ;D

Hope to read yours naman.. :)
« Last Edit: February 21, 2012, 04:17:11 PM by marssie »

mameejhy

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Re: Breakdown Current Savings and Investment
« Reply #1 on: February 21, 2012, 07:05:56 PM »
Eto sa amin (akin ;D)

Savings:

1. BDO - savings; automatic debit dito yun sa Philamlife educational plan ni child#1

2. BPI Direct - savings; automatic debit dito yun binabayad sa Nuvali lot namin

3. (Abroad) Payroll Account ko - katulad ni sis marssie - we work abroad at pag natatangal sa work or nagresign, makakakuha naman kami ng 1month's salary x years of work as gratuity/back pay, Eto na yung Emergency Fund/Safety Fund namin. May natitira dito pero hindi fixed amount... - parang kinopya ko lang sinabi ni sis ;D

4. (Abroad) Payroll Account ni hubby - same as mine's; I'm sure may natitira... siguro pampapogi ng kotse namin...  :D

5. (Abroad) Bank Account ko/ ex payroll account - Dati kong payroll account pero since hindi ako sponsored ng company hindi nila kinancel nun nag resign ako. May pera pa to pero super konti. Baka gawin ko na lang Travel Fund as per freelancer_babe's list of funds sa Emergency Fund thread. :P

Investments:

1. Educational plan - sa Philamlife; for child#1

2. (Abroad) Bank Account - 4% interest p.a. but 1yr locked-in period.

3. Lot - binabayaran pa; I don't consider this as investment kasi it doesn't generate income; this is for our future home :)

4. Duplex - for rental; magpipintura na next week ;) *excited*  ;D

5. FAMI Equity fund - started this month; I plan to top up every quarter

6. Van - I don't consider this as investment kasi it doesn't generate income; my parents use this

*Plan namin kumuha ng Life Insurance para kay hubby (pag uwi sa Pinas). Gusto ko rin mag invest sa stocks... pero, kapag marami na akong nasagap na info hehe ;D
« Last Edit: February 21, 2012, 07:35:22 PM by mameejhy »

clueless

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Re: Breakdown Current Savings and Investment
« Reply #2 on: March 17, 2012, 06:14:30 AM »
Ako newbie sa investments. But i like reading and talking about these things para ma-inspire ako.

BPI payroll - payroll account ko. Every payday, nakakaltas ang para sa save up at sa RSP ng ALFM growth fund ko. Dati may RSP din ang ALFM bond fund ko pero nililat ko sa growth fund. Yung tira napupunta sa joint account namin.

BPI payroll ni hubby - lahat napupunta sa joint account namin.

BPI family bank SA - joint with hubby,  nandito ang pang OPEX namin, ang tira dalat nililipat sa temporary account tapos oag nakaipon na eh ip-place sa mga SDA, MF pero walang natitira kasi ang gasos namin. Ito ang gusto kong baguhin.

BPI family bank CA - joing with hubby. Minimum lang ang laman, we transfer to this account as and when any of our cheques become due.

BPI family bank - joing with my sister. Nung single pa ako ito. Siya na lang gumagamit ngayon.

BPI direct save-up. Kakaumpisa ko lang nito nung january, 500/payday lang. Pinapa-increase ko to 1500/payday sana kaso susulat pa daw ako. So di ko pa alam kung ir-retain ko na lang na ganito o papabago ko pa.

BPI SDA - i placed here the money that my dad gave me. Treating this as EF na pero kulang pa.

BPI ALFM bond fund - sinimulan ko ito nung end jan or earl feb yata. I started with this kasi conservative. Gutso ko nang ilipat sa growth fund pero antayin ko muna mabawi lati yung fee na nakaltas sa initial investment ko.

BPI ALFM growth fund - sinimulan ko end of feb. first rsp ko ngayon march. Happy ako sa return nito so far. Sana magtuloy tuloy. Naka-RSP ako dito ng 5k/month. Balak ko pag naka-5k na din yung save up, ip-place ko dito.

BPI family bank ITF my duaghter - savings niya, all her cash gifts are here. Dapat sana nadadagdagn monthly kaso passbook account na ayaw iregister ng husband ko sa expressonline, nakakatamad tuloy puntang bank to deposit.

Manulife estate protector and eve's devotion insurance for me - kulang na kulang pa ang coverage.

Sunlife maxilink prime for hubby - kulang kulang din.

Other assets:

A small piece of farmland from my parents. Naka-tengga sa ngayon but they're building a big church near it so baka mapakinabangan ko na nyan.

Condo - binabayaran pa sa pag-ibig. Almost 6 years na. This is where we love now.

2 cars - matatapos nang bayaran ang isa, ilang months na lang! Yung usa 1 year pa.

Plans:

Get sunlife maxilink for me. I plan to get 2, 1 with monthly payments and another na annual around 13th month pay time. These VULs will be for my daughter's college tuition and part of our retirement fund.

Get additional sunlife maxilink for hubby. Sana 2 din, same strategy as mine, all going towards retirement fund.

House and lot - pangarap pa sa ngayon. Our goal is to realize this in 10 years.

Madagdagan sana ang EF. Chicken and egg amo dito eh. Kung itatabi ko lang ang pang EF, di yon lalaki ng 6 months worth, mauubos lang. So kailangan ko ialagay somehwhere di ko magagalaw like SDA and MF. I know not advisable to put it sa MF pero sabi ko nga chicken and egg kasi ako so ngayon so tingin ko the only way na makaipon ako is to get a VUL/MF that i can treat as a monthly bill to pay pero "forced" savings.

Next year kung kaya, stocks naman.

I work in manila so wala ako ng tulad ng gratuity pay ninyo. Kainggit naman yan. And i only just started sa mga ganito so i have a lot of catching up to do kasi 35 na ako. Yung anak ko ang nakapagpa-realize sa akin na i should start now, do not delay any further.

 

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