Mutual Funds - Thread # 3

[gorgeous_me]

hindi na ako nakapag-top up for equity and balance funds an, hindi pa kasi bumababa, hehe...pati sa UITF ko, lol

[nickraquel]

Out of the 3, ALFM ang pinaka convenient kung may BPI account ka.
Online lahat, investment at redemption 

Onga daw. Compared to FAMI, sa ALFM daw, once na nagopen k ng account, meron na agad Online Account where you can make additional investments and redemption.

For the application process, how long before you get access to your investments?

[eischied_21]

^As long as approved na yun ALFM application mo and at the same time may account ka sa bpiexpressonline, makikita mo na rin kagad yun portfolio mo sa ALFM.

[andreil_19]

^^ may cut-off sis, till 11 a.m. lang ang processing kapag hindi umabot the next working day na nila ipapasok. If i remember correctly, they will also send you an email about your investment account.

[bratinella08]

thanks sis mxherr5 for sharing ALFM is the most convenient for BPI depositors, i have online account and im confused where to invest in MF if in FAMI or kung san pa. Pero mga sis, maganda rin ba returns ng ALFM compare to FAMI?

[jmeangeL]

^---this may help you compare performances between MFs

http://www.pinoymoneytalk.com/philippine-mutual-funds-january-2013-performance/

[marssie]

Sa mutual fund pwede bang nakapangalan sa akin at sa 5 year old son ko?

[xtine]

Mga sis, is it better to topup at this stage na medyo maganda ang ekonomiya or this coming elections? hehe

[nickraquel]

Mga sis, is it better to topup at this stage na medyo maganda ang ekonomiya or this coming elections? hehe

Just had an exchange of tweets with Randell Tiongson and Marvin Germo asking how they see the bull run ending. The thought was that it is probable that the market will remain bullish at least for the coming months or years.

Answering your question on the same line, it will still be good to top up, pero hintay hintay lang ng correction ng market para mas mura mo mabili mutual funds mo

[xtine]

^That's what I am thinking.  Baka bumaba this coming election, aantayin ko nlang.  Thanks!

[eischied_21]

If only the top mutual funds can provide such convenience the way BPI provides. Well, that could probably be the trade-off.

Agree. Sana maisip ng mga top mf companies ang convenience ng online system.

[artificialstar]

^ same here. maganda talaga performance ng FAMI. if it topping up were as convenient as ALFM's, meron sana akong FAMI ngayon. i'm sticking with ALFM to avoid hassle at sakit sa ulo

[etxetera]

Question sa mga may FAMI since di well versed yung MB branch na pinuntahan ko kaya iniwan ko na lang ang mga docs ko dun pending pa lol do I need to enroll online para sa initial 5k?

[jmeangeL]

^---kasama ng docs mo ang deposit slip na 5K na ipapadala nila sa FAMI.  Not all Metrobank branches or personnel knows about FAMI.  What we did was bring the FAMI number with us when submitting the docs at Metrobank.  Pinatawag namin ang branch manager ng Metrobank sa FAMI, para ma-familiarize sya at mapadala ng tama ang docs namin.

OK naman.  Natanggap agad ni FAMI (at nag-open din ng account sa kanila ang branch manager ng Metrobank who assisted us).  Nagulat sya kasi sa laki ng possible earnings   

[marssie]

^That's what I am thinking.  Baka bumaba this coming election, aantayin ko nlang.  Thanks!

Ako nag top up na, mas sumasama loob ko sa kahihintay bumaba at pataas ng pataas..

[stormy]

5.20+ na ang SALEF ng FAMI as of yesterday. +8% plus na YTD, feb pa lang. Ito na lang pakonswelo sa stress na dulot ng mahirap na pagta-top up sa kanila.


Regarding waiting sa pagpasok ng pera sa MF, pwede naman na magpasok ngayon (mataas nga ang navps sarap hintayin bumaba) tapos kapag bumaba later on e magpasok ulit ma-average naman yan.

Kaysa d magpasok ngayon kasi mataas tapos tumaas ng tumaas.

Correction ng market nangyayari talaga (iniexpect ko nga nitong january at feb kaso pataas pa rin ha) pero d naman biglang baba yan na tipong malaking bawas sa navps.

siguro hindi lang ako masyadong maalam kaya mas gusto ko ang peso cost averaging. D madali sa akin ang humanap ng magandang timing.

[marssie]

^ agree sis, sarap hintayin bumaba pag nag top up ka ngayon tapos makikita mong tumataas pa rin.. Kesa nakikita mong tumataas ng wala kang ginagawa.. Then pag bumaba tsaka ako tatabling para mag top up ulit

[wahmproject]

^ hahaha. Hindi ako expert sa investments like mutual funds, but ang nababasa ko and what my husband told me, it is really hard to predict when the navps will go down. So if you have the excess money to invest, you can add, top up, and just do averaging of your investments. Keysa magantay kung kelan bumaba while your excess funds natutulog lang.  For the longest time (as in more than 5 years na), nasa savings lang lahat.  Kasi very conservative ako. Recently lang ako naging interested sa mutual funds, uitfs, etc.  So now, some of them im starting to invest on a regular basis.  Target ko is monthly (or at most every 15 days).  But i will still leave some in my savings account.  I dont want to put all my eggs in one basket.

Surprising daw ang increase ng NAVPS ngayon. Kasi not in line with stocks performance.  Eto eh nababasa lang at hindi ko sariling analysis. hehe.

[etxetera]

^---kasama ng docs mo ang deposit slip na 5K na ipapadala nila sa FAMI.  Not all Metrobank branches or personnel knows about FAMI.  What we did was bring the FAMI number with us when submitting the docs at Metrobank.  Pinatawag namin ang branch manager ng Metrobank sa FAMI, para ma-familiarize sya at mapadala ng tama ang docs namin.

OK naman.  Natanggap agad ni FAMI (at nag-open din ng account sa kanila ang branch manager ng Metrobank who assisted us).  Nagulat sya kasi sa laki ng possible earnings   

Sis isang tanong na lang you need to open a MB account muna tapos yung top up online na tama ba?

[stormy]

^^true sis, plus kahit paunti-unti lang ang lagay d naman lahat ng extrang pera kailangan ilagay sa isang investment lang.

^yes, wag sa iisang lugar lang ilagay ang pera