Mutual Funds - Thread # 3

[fhey2000]

^hindi sis e, naviview lang yung total na na-invest mo at yung kinita/nabawas

sa confirmation letter pa din lalabas yung additional mo

Hello po. I've been backreading infos pertaining to MFs. Ask ko lang po sana why po mababawasa [textspeak!] investments mo? Say for example po, I invested 5k, top up 1k. Pwede po syang kumita, pwede rin pong hindi depending sa stock conditions, tama po ba? Pero, un pong sa part na "mabawasan", does it mean [textspeak!] 5k that I invested ay mabawasan? So, may chance po na mauubos [textspeak!] investment ko? Please enlighten me po. Thank you.

[ikaela]

^Tama pagkaintindi mo, and, yes, pwede mabawasan ng value yung 5k na ininvest mo. Technically, pwede maubos yung 5k mo, pero value lang or "paper loss" lang yun; magiging actual loss lang siya kapag binenta mo ng masmura yung shares mo kaysa sa pagbili mo. Kapag bumaba nga value ng investment mo, hold ka lang, wait mo lang na tumaas uli yung price ng mutual fund. Kaya inaadvise talaga na mag-invest ka lang ng pera na hindi mo kailangan, para pwede mo lang siya iwan na bumawi o kumita.

[yena^_^]

^^ just to add, if you invested in MF may bawas na agad yan kasi may sales charge sila. I think nasa 1-3% yung sales charge dependi sa MF company at sa amount invested. So let's say if you invested 5K tapos yung sales charge is 2% so 4900 nalang talaga nainvest mo (pambili ng shares ng MF).

[kho_leen]

I enrolled with PAMI.

Entry fee is 3%+vat for investments of 100k & below.  The higher the investment, the entry fee decreases.

Exit fee is 1%+vat for those who would redeem within the 6mos holding period. 

If the client will redeem after 6mos of holding period,  there's no exit fee and no tax. 

Hope this helps.
 

[LiveLoveInvest]

^^ just to add, if you invested in MF may bawas na agad yan kasi may sales charge sila. I think nasa 1-3% yung sales charge dependi sa MF company at sa amount invested. So let's say if you invested 5K tapos yung sales charge is 2% so 4900 nalang talaga nainvest mo (pambili ng shares ng MF).

For me honestly, ok lang ako dito since it's a one time thing for every investment and the results ( if you're a long term investor ) really off sets it since kahit papano binabawas siya before you invest. Whatever income you get you get it all. Unless ofcourse nag redeem ka within the expected holding period, for some mutual funds as short as 6 months lang or max na is 2 years. So perfect talaga siya for funds na hindi mo gagamitin in the coming near future.

[marssie]

Paano magredeem sa FAMI pag nasa province, kailangan pa bang lumuwas sa Manila or sa bank account lang ibabablik ng FAMI

[purdybunch]

Saan ba maganda mag invest na mutual fund? meron akong 5k pang invest. Saka ano mga requirements?

[IronLady]

Ano pong meron sa FAMI mga sis? Mutual funds? Same lang ba ito sa inooffer na mutual funds sa banks, uitf nga lang tawag? I mean yung concept ganun din?

[sweet angel]

^yes, sis. mutual fund ang inoofer ng FAMI.

[mameejhy]

Paano magredeem sa FAMI pag nasa province, kailangan pa bang lumuwas sa Manila or sa bank account lang ibabablik ng FAMI

Pwede credit to bank account sis - any bank account. Pero mas mabilis kung Metrobank ang account mo.

Ano pong meron sa FAMI mga sis? Mutual funds? Same lang ba ito sa inooffer na mutual funds sa banks, uitf nga lang tawag? I mean yung concept ganun din?

http://fitzvillafuerte.com/mutual-funds-and-unit-investment-trust-funds-whats-the-difference.html

Mutual Funds

Advantages
Usually has a longer track record
Has greater regulation for they are required to submit regular reports and are subject to full disclosure
Funds are more independent, with separate fund managers, independent custodians and own board of directors
More transparent and has higher accountability, with shareholder rights, licensed agents, prospectuses, and annual reports to investors
It is tax-exempt

Disadvantages
Has higher management fees
May offer fewer investment choices for investors due to high capital requirements

Unit Investment Trust Funds

Advantages
A wider range of investment options available for investors
Has usually no or very low sales charge
Has lower management fees

Disadvantages
Has less regulation
Is less transparent with its investments
Comes with a 20% withholding tax on capital gains

Saan ba maganda mag invest na mutual fund? meron akong 5k pang invest. Saka ano mga requirements?

http://fami.com.ph/investment-procedure/initial-investment/

[JINJIN:*]

musta po ang performance ng PAMI? (philam life)

yung agent ko kase busy pa, hindi ako masagot eh maghuhulog sana ko now.

[mxherr5]

Ba't kailangan mo ng agent para masagot yung tanong
mo?

May icap at ang site mismo ni PAMI may performance
figures..

[chefron]

toinks moment lang.

hindi ka yayaman sa MF/UITF but it will grow your money....i just realized na with all the fees they charge us, talagang ipupush nila ang ganitong investment.

[mameejhy]

toinks moment lang.

hindi ka yayaman sa MF/UITF but it will grow your money....i just realized na with all the fees they charge us, talagang ipupush nila ang ganitong investment.

Sis, ano ba definition mo ng "yaman"? Kung maglalagay ka ng 1M sa MF/UITF at after 10yrs kumita ka ng atleast 10%... para sa ibang tao eh mayaman na sila

Lipat bahay na tayo!

http://www.femalenetwork.com/girltalk/index.php/topic,283094.new.html#new