Mutual Funds - Thread # 3

[jmeangeL]

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

yup... kahit ATM account lang para maliit lang ang maintaining balance.  2k lang.

[etxetera]

^ Thanks sis

[bb]

Ang saya ng NAVPS ngayon, kung nakapag-invest na kayo kahit 3years ago lang. Pwede na kumuha ng profit hehe. Sa mga gusto mag-invest, as everybody have said, the best time to invest is always NOW

[nickraquel]

^ 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.

Mahirap talaga kung aabangan mo kung kelan bababa ang NAVPS. What most people do is do Money Cost Averaging. Top up lang ng regular basis, regardless kung mataas or mababa ang NAVPS. In that way, di mo na kelangan hulaan ang pagbaba ng NAVPS.

Re: Savings. It is not advisable to put all of your money into investments, since ang investments ay di gamit for immediate financial needs natin. An emergency fund should always be in a bank, or in a much much conservative investment instrument like Money Market Funds.

[gab54]

interesting topic, pa join... 

[bb]

I do have ALFM. Ito ang pinaka-convenient para sa akin. Online ang top-ups at redeem if you have bpi express online account. Maganda din ang performance nito pero mas maganda ang FAMI. Wala nga lang equity fund ang ALFM, bond at balance lang.

[sonia62]

Yung PAMI ba yung sa philam na MF?

[marssie]

^ 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.

Tumpak!   ginawa ko yan nung una paano ba naman i started at 3.9 na rate tapos nag 4.2 sabi ko mag 4 ka lang tatop up ako di naman nangyari, nangyari man nung time na di ki nabantayan, kakasama lang loob.. So pag may extra top up

[Jonyl♥Sid]

I do have ALFM. Ito ang pinaka-convenient para sa akin. Online ang top-ups at redeem if you have bpi express online account. Maganda din ang performance nito pero mas maganda ang FAMI. Wala nga lang equity fund ang ALFM, bond at balance lang.

sis merong equity fund ang ALFM, yung Philippine Stock Index Fund...

[bb]

^ ah ito pala ang equity nila. Sorry di ko ito kasi nababasa. Thanks! Will try to research its performance, yung growth fund kasi maganda perfomance. Thanks sis!

[bb]

More reason for everyone to invest kasi bumaba mga interest rates sa banks ngayon taon.. 

[nickraquel]

More reason for everyone to invest kasi bumaba mga interest rates sa banks ngayon taon..

An indicator that the Central Bank is encouraging everyone to invest and support the rally of the stock market.

[beachpatrol]

I just received my SOA and COR from FAMI. Kakaopen ko lang ng Balanced Fund nung monday. Question, ano ang gagamitin kong reference number pag gusto ko magdeposit ulit - yung account number or COR number?

Plan ko rin mag-open ng ALFM stock index fund at BPI premium bond fund this Feb/March para meron akong equity, balanced at fixed income funds. Ipon mode muna ng seed money

[bb]

^^tama! so invest na tayo! its more fun investing in the Philippines!

[Rhapza_21]

^^tama! so invest na tayo! its more fun investing in the Philippines!

Hi bb..pwede ko ba malaman yung email mo. or kahit i-pm mo na alng may question lang ako.. thanks!

[kwang sun]

I  have the softcopy .wala pa akong hardcopy ng SOA. ok lang ba yun?

[mxherr5]

^ ah ito pala ang equity nila. Sorry di ko ito kasi nababasa. Thanks! Will try to research its performance, yung growth fund kasi maganda perfomance. Thanks sis!

No need sis. Its an index fund and it mirrors the index almost perfectly.

[goldengoose]

^ 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

agree sis! ako din nagcocost averaging ako regularly...di ko na inaambisyong maka-timing kasi mahirap yung gawin...basta hulog lang nang hulog hangga't kaya :-) kasi in the long run panalo ang regularly nagiinvest kesa dun sa nakatunganga waiting for the prices to go down.

sana magtuluy-tuloy ang rising NAVPs :-) sana sana

[gorgeous_me]

mga sis, for FAMI, is there a way to know how much na yung na-earn ng investment nyo? or kahit computation lang? hehe

[JINJIN:*]

ako naman...may leverage.. Chinichek ko ang quote everyday, pag mataas dun sa base price ko, hindi ako bumibili. Tapos mag checheck ako ulit bukas. Me time naman akong magcheck kahit wala talaga akong alam sa stock and mutual funds..basta numero lang ang tinitingnan ko at nag lagay lang ako ng leverage ko.