Mutual Funds - Thread # 5

[j.adore]

For long term investing, do you guys add funds regardless of value? Or do you wait for your target NAVPS like in stocks?

[xee]

I'm curious to know the above as well, hope our sis na gamay na ang stocks o mf could enlighten us TIA

[mameejhy]

I wait for it to go lower haha example if 25 ang navps kahapon at 22 ang navps now, mag buy order ako haha Pero simula July magtop up na ako monthly on a fixed date, ayoko na mag hintay/ abang

[mameejhy]

Hello, mga sis!

Just started investing sa MF thru COL.

Ask ko lang what will happen if I forgot to invest the minimum monthly requirement? May fees involved ba?

TIA!

Naka EIP ka ba? Kung oo at kulang yun pera eh hindi nila i-debit yun.

[leelou]

For long term investing, do you guys add funds regardless of value? Or do you wait for your target NAVPS like in stocks?

before, sometimes i practice buy low, sometimes i buy regardless. started with MF/UITF year 2011. never sold though up until last week kasi i need the money. but when i started investing in stock market (2013), bukod dun sa BDO EIP (UITF) ko, sa money market na lang ako nag-add.

[leelou]

re: FAMI, the same pa rin kaya process of redemption? they require pa original, signed redemption request?  di pa rin pwede talaga by email and credit proceeds na lang to bank account?

[handlewithcare]

^yung sa FAMI balanced fund ko, online redemption lang. Naka-link kasi sa First Metro Securities account ko at sa Metrobank. After a few days nasa Metrobank account ko na ang proceeds. Hindi na din ako nag-email. Not sure kung pano ang redemption process pag di naka-link sa First Metro Sec.

[leelou]

^ wala akong First Metro Securities account sis. thanks anyway

[stradivarius]

Hello! I also want to start investing in MF with COL. Siguro sa susunod na sweldo. Bale until now, puro ako sa stocks. Medyo matagal na din ako nag-umpisa at mura pa yung karamihan ng nabili ko. Gusto ko ang idea na gumawa ng travel fund sa Philequity or Security Bank UITF.

[WorriedB2B]

Is it ok to invest in Equity if ang target mo is 3 years lang?

Nagri-research kasi ako and napansin ko na malaki na din ang gain ng equity in 3 yrs time.

Thanks!

[shinies]

Naguguluhan ako sa computation nung nagsubok magredeem

15k nilagay ko noon tapos nagkaron ng 2k gain. Niredeem ko yung 2k at bumalik na sa 15k value pero meron pa din 2k gain na pinapakita Di ko alam kung delayed lang ba pero tama naman computation ng NAVPS..

[ece]

mga sis, any idea kung magkano ang minimum for Sunlife index fund? thank you!

[jenny_syngkit]

Mas ok if you'll keep your money for at least 5yrs. Possible naman to get good gains even if 3yrs mo lang i-keep, pero volatile kase ang stock market.

Kaya 5yrs yung suggested holding period for equity, in case lang bumagsak [textspeak!] market, meron pang time to recover.

Is it ok to invest in Equity if ang target mo is 3 years lang?

Nagri-research kasi ako and napansin ko na malaki na din ang gain ng equity in 3 yrs time.

Thanks!

[redhead69]

Anyone na naka MF sa Sunlife? How was it?

[ece]

^we have equity fund since 2014. ayon, konti lang taas. hehe..

[mxherr5]

I've had investments in Sunlife Balanced and Equity Funds since 2007.
Sunlife is very very average. During bull market it doesn't outperform
but during bear markets it doesn't go down as much.

Those are my observations.

[jnoble]

Hello sissies. You may want to attend on free seminar sa work ni hubby, they can help you sa mga questions on mutual fund. That's for free lang naman so baka gusto nyo din. Dun ko din natutunan on how to maximize yung growth pag nasa money market. The key is cost averaging, no need to wait kung kelan bababa kasi hindi talaga sya predictable. So if maglalagay ka regularly, for sure mamamaximize sya. Dun ko lang din lahat yan natutunan.

[redhead69]

@ ece and mxherr5 : I see, so di siya ganon ka risky pag bumaba yung market, di masyado drastic yung change. Well tbh, this will be my first time to mutual funds. I am planning to continue what i have in Sunlife (which is the insurance lang). Pero what can you suggest to a newbie sa Mutual Funds like me? I am really interested.

[ece]

^sis wala din kase ako masyado alam.  pero invest according to your risk appetite. mild, medium, high ata iyun. at kung hindi mo naman agad kakailanganin yung pera.

 target ko ngayon magkaroon ng sunlife index fund naman.

[jenny_syngkit]

Merong free financial seminar regarding Mutual Funds in Makati (Antel Corporate Center along Valero), every Wednesday.

They discuss financial planning basics and how mutual funds can help you with your goals.