Mutual Funds - Thread # 4!

[leelou]

May nakapag-try na ba sa inyo mag top-up sa FAMI thru metrobank direct? Kailangan ko pa ba email sa kanila yung confirmation receipt?

i thinks it's not needed pero i always email them pa rin screenshot of transaction, para lang meron akong record na nareceive nila

[mxherr5]

@tinapay, chefron is technically correct.
ALFM ang mutual fund ni BPI but its being sold
in BPI branches so might as well call it BPI mutual funds. 

Backread muna and let us know what you
don't understand.

[leelou]

anyone familiar with mutual funds offered by BPI? di ko kasi maintindihan...

me sis I have ALFM Growth Fund & PSIF. for me almost the same lang sila ng UITF, difference lang is the  holding period and management fees. mas matagal holding period ng MFs and higher management fees. i chose them lang before because of performance.

[marssie]

Ngayon ko lang napansin, pwede palang In-Trust For (ITF) accounts sa Mutual Fund. Okay kayang dito ko nalang ilipat yung 80% portion ng savings account ng mga anak ko instead na nakatambay lang sa bank?

[IronLady]

Mga sis.. Mas okay ba yung balanced fund kesa sa fixed income lang? I mean kung risk averse ka at gusto mo kahit pano malaki yung kita.. And kumikita ba kayo sa equity fund based on experience? O laging talo? Thanks mga sis!

[ikaela]

^Yung mga balanced funds, mabigat din sa equities yun, kaya medyo aggressive din siya na type of mutual fund. Hindi para sa mga risk averse. 100% equity ako since I started 4-5 years ago, and kumita ako enough to help pay for my wedding and my hospital expenses when I gave birth. Negative yung mga ininvest ko between July to December 2013, pero kumita na sila uli starting January 2014. In short, time and patience lang ang kailangan. Konting indifference din, para hindi ka affected kapag nakita mo na negative ang mga investments mo. Hehe.

[IronLady]

^wow! Galing naman sayo sis! Ill try balanced para di naman masyadong risk averse.. Haha! Siempre gusto ko rin ng high returns kahit pano.. Kelangan lang talaga patience and investment period ko e matagal kahit mga 2years.. Or pwede din na instead of balanced, mag invest ako equities fund at bond fund para kahit pano diversified.. Ano mas ok?

[ikaela]

^For a conservative investor, yes, it's a good idea to split your investment. Kung super conservative ka, try a 90 bond -10 equity or 80-20 split. If you need a guide, the age formula is a good one:

100% - your age = % in aggressive investments
The remaining = % in moderate-risk and conservative investments

Sometimes, the age is subtracted from 120 instead of 100 for those who are even more aggressive. Just adjust according to your risk appetite.

[sophiehotness]

mga sis ask lang ako advice, is it better na ilipat ko sa VUL (because of the investment/mutual fund link) yong stocks ko sa COL? Hindi ko na kase masyado na-check COL ko... VUL or plain mutual fund na lang?

[chefron]

di naman need bantayan yung account mo sa COL 
mas mataas ang return kesa VUL.
you get VUL if you wnat to be insured at the same time.
hindi guaranteed ang returns sa VUL.

[airish_2]

I'm planning to invest in Balance funds unahin ko muna mutual funds then stocks

[oreo08]

how long is your minimum investment period sa MFs?

[IronLady]

Thanks sis ikaela! Really helpful! 😄

[mxherr5]

@oreo, it depends on the type of mutual fund you have.
Rule of thumb is, the riskier it is then the longer you have
to hold it for.

Riskiest is equity then balanced then bonds then money market.

[mameejhy]

mga sis ask lang ako advice, is it better na ilipat ko sa VUL (because of the investment/mutual fund link) yong stocks ko sa COL? Hindi ko na kase masyado na-check COL ko... VUL or plain mutual fund na lang?

May life insurance ka na ba? More than 100k na ba pera mo sa stocks? if yes to both - you may transfer your money to a one time pay life insurance with vul

[Papiseed]

I have ALFM Growth fund and so far may unrealized gains na ako na 28%. Mas mabilis sana kung sa stocks mismo ininvest, though depende pa rin sa stocks

[oreo08]

thanks mxherr5!

[cussler]

May nakapag-try na ba sa inyo mag top-up sa FAMI thru metrobank direct? Kailangan ko pa ba email sa kanila yung confirmation receipt?

i do MF investment with FAMI. i don't have accounts with MB but i can put my investment thru this bank or PS Bank.

[MissChievous]

HI, mga sis. Sino ba dito may Philequity? Pano ba mag top up dun?

Tpos mas malaki kc yung sales load ng Philequity kesa sa FAMI eh, so I am thinking of going with FAMI's equity fund. Tuwing kelan ba kinakaltas yung sales load? Every time you top up?

TIA, mga sis.

[ikaela]

^Ako sis, I'm invested in equity funds of both Philequity and FAMI. Masmaganda performance ng FAMI nung 2011 or 2012 ba yun, pero overall, panalo ang Philequity, even with the higher sales load. In my own records, Philequity beats FAMI by at least an extra 4-5%, all fees included. Yung 2-year-old placements ko, 24% na sa Philequity, pero 14% pa lang sa FAMI.

Here's how to add an investment, or top-up, to Philequity funds: http://www.philequity.net/redeem.php?id=20070804085807705#additional

I use UnionBank's online banking myself. After deposting online, I make a PDF file of the confirmation receipt. Then I fill out the Investment Application Form on Adobe Acrobat, and email that along with the PDF of the receipt to invest@philequity.net. Nag-enroll ako dun sa e-mailing system ng Philequity so I can do everything online.

Yes, kinakaltas yung sales load every top-up.