Mutual Funds - Thread # 4!

[icedtallcoffee]

^ Anytime, pero may minimum amount.

[LiveLoveInvest]

Mutual fund investments do not require investors to add. It's up to the investor if he/she wants to add once a day,once a week,once a year or never add at all and just leave his/her initial investment to grow 😊

[oreo08]

I'm also looking into investing in MFs na. We started sa stocks and ngayon medyo nakakaadik maginvest so MFs na. Well, we want sana to buy an investment property but we won't know if this is a go or not until maybe May or June? Ayoko na patulugin pera namin sa banks ang liit liit ng interest e.

How well does your fund perform per annum? Meron ba kayong mga figures? Di ko kasi sure if we should invest sa high risk but of course high growth rin or what...

[momentum]

Ang tagal naman ng MF thru COL... Mid feb na wala parin

[mameejhy]

Nakakaloka, ang tagal tagal bumalik ng investment ko sa ALFM PESO BOND FUND INC. 15K lang naman pero till now, 14,700 pa lang siya. Iniisp ko kung kahit loss, I redeem ko na lang at iinvest sa Phil Equity kesa mag intay pa ako ng masyadong matagal.

Matagal talaga yan kasi BOND. Ilagay mo sa EQUITIES para mabilis

[mameejhy]

How well does your fund perform per annum? Meron ba kayong mga figures? Di ko kasi sure if we should invest sa high risk but of course high growth rin or what...

You may want to check out this list -

http://philpad.com/best-mutual-funds-in-the-philippines-2015/

[oreo08]

anjcam, thanks but I'm based overseas I know property investment is a bit tricky so pinagaralan na namin ni hubby yun areas where there's a nice capital growth and decent rental yield. Anyway, this year we want to invest our money so whether MFs or building a new house yan, or both, go na go na kami. Depende lang sa banks yung bahay but if that falls through, pwde naman next year.

mameejhy, thanks for the link!

[j.adore]

Thanks a lot for sharing information! They're like gold for people who are just starting out

[snix]

I wanna start out na on mutual funds nakaipon nako ngemergency money and may panginvest na rin ako.. Decided na ko sa Philequity yung high risk.. Can anyone tell me more? Magtatanong din ako sa friend ko na investor din sa Philequity funds.

I wanna read more and know more lalo na first investment ko to

[anjcam]

^hi snix, if you have the time to go to ortigas for the philequity, sobrang sulit siya kasi siya ang may pinakamataas na rate. Old school lang talaga and wala pang online transactions. Just make sure if getting the high risk one, its for a long time investment

Also, after having good cash flow, being debt-free and may emergency fund na, you have to establish insurance din, then next will be the investment na. Pwede din namang sabay sabay basta kaya

[minabey]

Also, after having good cash flow, being debt-free and may emergency fund na, you have to establish insurance din, then next will be the investment na. Pwede din namang sabay sabay basta kaya

Sis anjcam, are you saying dapat unahin ko muna yung emergency fund before I start investing? I was thinking kasi if pwede sa low risk short-term ko ipunin yung emergency fund ko (kahit 3mos worth lang) in something like Easy Investment from BDO. I feel like I've wasted so much time already, I want to start making my meager funds grow na. If ipunin ko lang sa savings account yung emergency fund ko, parang I'm wasting the opportunity to earn more in investing that. Any comments on this? Nakaka overwhelm lang kasi. 

[m_lim]

^emergency fund muna for me. kasi what if may mangyari saken bukas or ngayong araw? paano na? iba pa rin ang liquid sa emergency situation. (hindi ka nga tatanggapin sa ospital kapag wala kang pang deposit. reality na yan. money ang nagpapatakbo ng buhay. kahit maglulumpasay ka, kung wala kang pang gamot, eh hindi ka aaccomodate)

tiis tiis muna for first few months or years para mabuild mo ng mabilis ang emergency fund. hanap ka rin sideline kahit maliit kita , pera pa rin yan.

[nikki]

Agree.. Establish an emergency fund first. Ako naman my regret is that hubby and I have been "liquid" for years. But since hubby is so so conservative sa money, puro savings / checking account Lang kami. Dami nasayang na Panahon.

I'm happy though that he's letting me invest our extra funds now as long as intact ang emergency fund namin. Since I'm no longer working, at least I can help somehow. I started na nga by opening a UiTF sa security bank. Planning to open MF and do stock trading too..

[anjcam]

Sis anjcam, are you saying dapat unahin ko muna yung emergency fund before I start investing? I was thinking kasi if pwede sa low risk short-term ko ipunin yung emergency fund ko (kahit 3mos worth lang) in something like Easy Investment from BDO. I feel like I've wasted so much time already, I want to start making my meager funds grow na. If ipunin ko lang sa savings account yung emergency fund ko, parang I'm wasting the opportunity to earn more in investing that. Any comments on this? Nakaka overwhelm lang kasi. 

Hi minabey,

Sabi ko nga, pwede namang ipagsabay depende sa cash flow mo. Pwede mo hatiin yung mga naiipon mo on a monthly basis or per payday.

What you can also do sa emergency fund mo is to put it in an investment fund na the following day makukuha na. May mga ganung fund Lumalaki din siya pero not that big but bigger that just savings. Ang catch lang, wag mong ilagay lahat ng emergency fund mo dun, magtira ka ng percentage para sa emergency na kelangan mo. Gets ba?

Emergency fund talaga muna. then insurance saka investment. You have to be ready sa mga emergency cases at the same time, kelangan ikaw insured ka din. Kaya nga good yung mga VUL na products, we can do it at the same time

[JAZRINA]

@nikki, pareha kami ng hubby mo. sobrang conservative. ngayon ko narealize na kung nag-invest ako agad sana malaki na kinita ng pera ko. Pro it's not too late naman. Ngayon inaayos ko na yung mga pwede kong paglayan ng extra money ko. Tapos nag-attend ako ng mga financial planning seminar/training.  Iniisip ko muna kung mag-invest na ba ako sa equity funds now or mid year. Feeling ko kasi overprice na ang PSEI. Pro let's see.

[minabey]

Thank you for your inputs, sis m_lim, nikki, & anjam.

Hindi kasi ako nakakapag save lately kasi nagagastos ko sa treatment ng dog ko may sakit. Pero tuloy pa din [textspeak!] 2k deduction ko sa EIP ng BDO UITF. Since auto debit yun, out of mind na. Di ko na lang ipapa stop yun pero I'll make sure to "pay myself first" in the coming months para makabuo ng EF.

 

[mameejhy]

Baligtad sa akin

--> Investments --> Insurance --> Emergency fund   

[oreo08]

For us, in this order

Emergency fund, Insurance and then Investments

Pero hopefully now, sabay na ang Emergency fund and Investments

[j.adore]

^Same order plan namin kaso still at Emergency Fund (70% from our target pa lang)

Although I know the importance of having an emergency fund, parang nasasayangan din ako na nandun lang sila sa account. I'm thinking of putting some in UITF kasi easy to withdraw naman yun?

Now reviewing options kasi gusto ko sana Insurance and Mutual Fund ipagsabay. Sure na ako sa MF na kukunin pero Insurance super undecided pa din! Haha

[ezonme]

Meron bang initial investment amount sa philequity? Like sa COL need ng 5k.