We’re sharing here how much 100,000 pesos would earn if invested on 3 investment wheels because a reader has requested a comparison of earnings between investing in a Mutual Fund vs UITF and VUL using his 100,000.
Note that this is for comparison purpose only and it’s not a mean to know which is better between the 3 because each product has different investment substance, fund allocation, strategy and management let alone every investor has different status, risk appetite and money goal.
If you’re not yet familiar with UITF, Mutual Funds and VUL, you can get to know them better by going to this post we made: “UITF vs MF vs VUL.”
But if you’d rather go forward this topic, go on and continue reading…
100,000 Investment Earnings Comparison from Mutual Fund vs UITF vs VUL
We used one of the best, most reliable, most established, and most decent funds in this comparison. Also we used the riskiest type of funds because we’re aggressive but we’re always keeping it calm 🙂
For Mutual Fund we used Philequity Fund, for UITF we chose BDO Equity Fund and for VUL we used Sun Life Variable Life Insurance that is tied up with Equity Fund.
In this comparison, we used 100,000 pesos invested for 3 years, from January 18, 2012 to January 18, 2015 to be exact.
We have used the 3-year period because Equity Funds are suitable for this investment horizon.
Here are the yields we have gathered for each fund.
Again this is just a comparison and it won’t guarantee future results. Each investment has different fund allocation and composition. Each may outperform the other any day. The bottom line here is all of them will give us money in the end.
If that is your revenue investing 100,000, what more if you invested 1 million or more millions? The return is awesome! It’s always the more you invest, the more you will gain. Yes, that is also why the rich becomes richer. They don’t let their money sleep on savings and time-deposits. They invest them or they use them expanding new business.
There are important factors you have to consider before you decide which investment wheel you will use such as your risk appetite, your financial goal and your financial status.
What is risk appetite?
For the sake of newbies here, it is how you can take risks. Investments are very risky. You may not always gain, you may also lose some. To combat risks, you have to invest for long term and diversify your money.
What is financial goal?
Simply how much do you want to earn. Do you want to become multi-millionaire? Perhaps you want to retire early? Or perhaps you want to use your money to build business.
What is financial status?
It will be answered by the following: do you rely on just regular income from your job? How much is your current networth? If you’re not employed right now, can your cash sustain your needs?
If you’re into investments now, it’s always best to diversify your money to different wheels. Make sure you don’t invest everything on one fund alone or on one account. Also make sure, it’s your 20% or 30% money and make sure you have many income generating assets that can shower you abundance in life.
What are these income generating assets I always mention? They are jobs, business and passive income. I will talk about more of them soon. Subscribe here so you won’t miss a new post. It’s free!
“It’s always better to invest some of your money than not to invest at all.”
Hi Ms Fehl. Good day po. I am a newbie investor. Tanong ko lang po, If I have multiple 100k..should I invest in mutual funds one time only or monthly? Second question po..I’ve noticed that the PSE is down at 7400..Is it advantage to buy mutual funds? Thank you po.
Hi Fehl..after reading all the comments, I found out the answer to my question 🙂 thanks to your blog about one time investing or pca..
Hi Fehl,
Long time lurker here and a newbie in starting UITF investment. I have several questions:
1) regarding investing in dollar bonds: With the expected increase in the US interest rate by the fed reserve, how will this affect UITF $ bond investment? Should I invest right now while the interest is low or wait for the increase? Which is the more appropriate strategy? or is $ bond not a good investment right now?
2) How will the increase in US interest rate affect $ UITF investment in the money market? and Equity?
3) Which denominated currency (Peso or Dollar) is best to invest in UITF (specifically money market, bonds and equity) right now?
Thank you. Looking forward to your response.
Hi. Rise of interest rate by the Fed reserve would upset the economy and the global financial world so investments will be on sentiments. If you’re into $ bond fund, I’d say analyze your fund’s Fund Fact Sheets and prospectus, check out your fund’s allocation or holdings. Check the maturity of the bonds involved in your UITF investments. The longer the maturity, the more losses when interest rates increased.
2. It could upset investments
3. Depends upon the investor. If you’re earning dollars and you live in the Philippines, I’d say have your dollars exchanged into pesos and avoid exchanging at the bank. Some local money changers pay higher than banks because banks are wise. Invest on pesos still. Win for you and win for the economy. 🙂
Hi ms fehl. Tanong ko lang ang pera ko ay dollar. Gusto kung maginvest ng uitf or mutual funds. Ano bang mgandang investment na gamit ang US dollar? Maganda ba mag invest sa US equity fund gamit ang dollar or iconvert na lang dollar sa peso para iinvest sa phil equity funds. Salamat! Sana masagot mo agad.
UITF and Mutual Funds have dollar funds. If you prefer USD and you understand the volatility of it, then go for it.
hi ms Fehl,
i’m, reading your blog frm 8am til nw 12;30 pm,felt hungry already,1st time to read in investment,no knowledge about it,former ofw 3 years nw in pinas,got scam already in networking(UpwarmUnlimited)&(MLM),now i dont want any mistakes.i have left 400k+ in BDO saving acct.plan to invest in UITF Equity fund,i is a sure way of investment 3-5 years,though there some risk as read in your blog.want one time payment of 200k as my plan but do i need to monitor my invesment?,nkikita ko kc s bdo&bpi commercia nila double your money program, should i wait also in sept. kc sabi mo ms mganda that month.help me po 42 yrs old npo ako need for my future,.got my insurance nrin sa PNB financial Life Plan matured nrin.advise po where to put my another 200k n may high monthly interest as my monthly expenses.Invest lng for my future and my 2 kids. thanks a lot…frm now on i will keep reading your blog..God Bless Us.
hi ms fehl
gusto ko sana mag invest ano pong ma issuggest nyo po sakin sa newbie na tulad ko,, 22yrs old working abroad,,
mutual and uitf,
MF and UITF are both great. Decide according to your financial status, risk appetite and goal.
Hello miss fehl,
Ano masasabi u po sa gererali life insurance n inioffer sa bdo. Need po ng advice mo? Thank you.
Life insurance are helpful to everyone who doesn’t have insurance products yet. Just study the coverage, benefits and premiums associated with the life insurance before you sign anything. Usually pamahal ng pamahal ang premiums pag patanda ng patanda ang tao
Hello there..
I want to know how to start or open a mutual fund investment..?
Bst regards.
Go over our Mutual Funds menu to learn more
Hi Miss Fehl!
I already have SALEF with FAMI. Now, I’m planning to get a loan sa SSS and invest it sa UITF. Reason is that, i’m still on my mid 20s and medyo hirap mag ipon since magastos pa. Naisip ko, if I’ll be getting a loan, at least derecho deducted na sa salary. What are your thoughts on this?
Also, if ever makapagloan ako, I’m planning to diversify my portfolio so Im planning to invest in UITF. Hindi ba magiging redundant if I choose equuity funds pa din or should I go to other types naman like Bonds fund?
Thank you.
I don’t suggest getting a loan to invest because investment have risks and loans have high interest rates to pay. Loss kana umpisa palang unless your investments made 50% gains in just 6 months
Hi there,
I think you have to factor in the fees! MFs, do have 3.5% saled load and that’s the reason why I got into UITFs. I do think it hurts a lot, since everytime you have a transaction to any distributor, they charge you with this ridiculous amount, as opposed to ZERO charge when buying units in a UITF. So, in my personal opinion, UITFs are better since apart from having your investment diversified, you got to get the least amount of charging fees (only management fees annually). With this, I do believe MFs distributors will go bankrupt since COL will be offering MFs quite soon.
You can diversify with MF as well but I agree with you that the fees are higher. It’s taking too long for COL’s Mutual Fund service. I hope it will be soonest 🙂
Hi Ms. Fehl,
Thanks for this wonderful blog as i’m become interested in investing my money and not letting it “sleep” in my bank account. I’m currently 23, no family yet and earning 45k~ a month. Where do you think i could invest the best? I was offered a week ago of VUL but not sure about getting it. What are your thoughts? 🙂
You’re young and it’s a great time to start investing. VUL is good especially if you don’t have Life Insurance yet. If you already have insurance, go for UITF or MF. Get to know more about investments and never stop learning, then invest on stocks. 🙂
Thanks for the suggestions, Ms. Fehl. Do you have any preference in terms on where should i invest? 🙂 I’m thinking about MF and starting for 100k at the least. Would that be a good plan?
Review first the best MF 2015 and decide which MF suits you according to your goal and risk tolerance 🙂
hi miss fehl,
i am a govt. employee planning to loan a specific amount from a bank to invest and make profit from it. i am mid 30’s. wat kind of investment you would recommend for me?..do i still have a gain or loss from it, or it is just a break even?..
am looking forward that you can help my queries bout this..
thank you and God Bless!!!!
Hi. I don’t recommend getting a loan and then investing it because you’ll be having liabilities + investment risk. Just work and invest 20% of your salary every month. In 10 years, you’ll have millions without debts. You don’t win when you break even
Hi Ms. Fehl,
I have a couple of hundreds of dollars in my pocket. I’m planning to invest it sooner or later in a dollar bond/equity. But right now, I want to put it in a dollar account. Is it a good investment? If yes, which bank should I invest into? Thanks
Bond Funds are good and not risky. Equities are and dollar is volatile. I heard about USD forecast to reach 46Php. It’s up to you
HI Ms. Fehl,
I joined SECB UITF last January. But from what I can see, the stock market is having a down month this April which I feel affects SECB UITF. Should I be worried or should I be more aggressive to buy more lots? Thank you
Hold your units and wait for 3 years then decide to redeem. The market is not looking to jump anytime soon.
hi ms fehl,
im planning to open a MF equity in Philequity. do i need a financial adviser or can i process it on my own w/o paying sales load s adviser? or still mgbbyad prin ako ng sales load even wlang adviser. thanks!
Every Mutual Fund has sales load and other fees. Just review the options offered by Philequity. You don’t need and adviser if you know already what you’re getting into
receive ur reply in my yahoo mail:)
thanks a lot..
God bless u even more.
hi fehl..i’m a working student.i would like to ask if investing in a mutual fund will be advisable for me.i would like to grow my money as early as today and i am very interested in investment but i am not aggressive enough for stock market.
Yes, Mutual Funds are advisable for everyone, newbie or not 🙂 Opt for Money Market Funds if you are conservative
Hi, Fehl. Your blog is so helpful and informative. Thanks for the invaluable info. I have a question I hope you could help me with. I am 41 yrs old, single with no dependents. I bought a Sunlife VUL last year and have already spent 36k. The monthly premium is 3k. The face amount is 500k. I still have 9 years to go to pay the premiums. The fund is a pseo-balanced fund. Meanwhile, I started studying stock investing 2 months ago and learnt and realised a lot. I am now investing in the stock market and a TRC member, investing for my retirement. Should I continue with my VUL or just terminate it and just directly invest? It’s fine with me to let go of the 36k if I would gain more in the stock market in the next 9 years. If you were me, what would you do? Thanks for your help. — Mike
It’s up to you if you are comfortable paying it in 9 years time. 🙂 VUL has insurance so you or your loved ones can benefit from it too in case of something happened to you. You can stop if you already have other insurance. You can also follow our stock picks for free at Dailypik
It’s up to you if you are comfortable paying it in 9 years time. 🙂 VUL has insurance so you or your loved ones can benefit from it too in case of something happened to you. You can stop if you already have other insurance. You can also follow our stock picks for free at Dailypik
hi fehl just read ur blog! wow! big help for me! just decided to invest VUL. i am OFW turning 34. kindly help which VUL good to invest intetnationally.. thank u in advance..- gay
VUL are great for those who want insurance + investment. Sun Life, Philam, Axa, Pru Life UK, Manulife are great
Hi, miss fehl,.
pa advice naman po ng inquire ko. since pauwi po ako ng pinas for vacation and need to decide where to put my account at gusto ko mag invest.
thank you po.
If you are a newbie, start with either UITF or Mutual Fund 🙂
Can I start investing 10K in MF with SunLife or BPI?
Yes, choose the fund that suits your needs and status
Hi Fehl,
There is a saying, “….its never too late”. I have bought stocks decades ago, like Liberty comm, Asiatrust, Prime east, Mondragon, Holcim, Patron, I am holding on them right now. I bought them thinking that now with my age I thought these stocks are now higher value than when I bought them more than decades ago. I never asked how it works from my uncles (now in their next life) who were successful stock market traders/investors. As I read these comments, now I realized that I should have continuously bought shares. Now I am in my mid 50’s, any advise or blessings you can share with me, that I can still invest in stocks? Mutual funds? Or UITF? Possibly Forex too? Thank you for your concerns…:-)
Hi, Larry. Since you are in your 50’s you can invest Mutual Funds or UITF instead of investing PSE stocks because it’s a time when you focus more on money security than taking risks. There are MF and UITF that invest on equities when the stock market is a little low and shifts to other money instruments when the stock market is on a high point.
Hi Fehl,
Good day!! Hingi lang po ako ng advice regarding investment, actually po, meron nko sa BDO Money Market Fund about 250K, nag strat lang ako last Dec. 2014, meron din kc akong 3k dollar account sa Metrobank which is plano ko din sanang ilagay sa investment fund, do you think po ba na sa Metrobank itself ko na ilagay na money market nila or mas magandang I-pullout ko at ilagay sa ibang investment or if ever naman na sa metrobank anu pong investment fund ko ilalagay? isa po akong ofw at naghahanda lang din po for my retirement, nsa 42 y/o n po kc ako…Please advise po.
Salamat po and God Bless!!
Hi, it depends upon you. If you can take higher risks than that, invest them on Balanced Fund. Metrobank has that but BDO and SECB are better right now
Hi, Ms. Fehl, thanks for this post. It’s informative and helpful for person like me who still has to gain knowledge on investing. My question is whether it is advisable to buy shares now even if NAVPU decreased. Is it wise to open a Security Bank Equity Fund now?
It’s best to buy shares when the NAVPS is lower. 🙂
May nabalitaan po kasi ako na bumababa ang PSEi. You mean, mas maganda po na mag-investment kapag ganito ang market?
Binisita ko po ‘yung BDO NAVPUs ng balanced fund at napansin kong pababa nang pababa, ibig sabihin po ba nito ay I can take advantage of it?
To learn more about PSEI, visit my other site dailypik.com I post some updates about the stock market there
Hi ms fehl, do u have any info about security bank uitf in equity.the navpu is going down despite an up market last week.thank you i am also following your blog.
It is because the equities they were into didn’t perform well. The market is in a slow movement these days
wow! I have a lot of questions about investing, but I have to ask it soon. By now, I just wanna thank you for all of these. I am an avid reader of your post and I learned so much from you… I started to love you Fehl.. more power!
Thank you so much for always visiting. Your frequent visits helps me to add more posts here.
Hi Ms. Fehl, Can I ask for your opinion about AXA Philippines? August 2014 a friend agent offered me the Axa insurance (Axelerator), not fully understand my plan but still I applied and started paying my monthly contribution of P2,750. So my total contribution up to date is P16,500 but my NAV is P8,000k plus only. Should I continue? I think Axelerator Fund, some of the fund is invested in Philippine Wealth Equity. What can you say about the performance of AXA? How I wish I just invested my money in Sun Life 🙁
Hi. AXA is an affiliate of Metrobank and it is focused on life insurance + investment. If you have a family already, having insurance is great for the future of your loved ones in case something bad happened to you. If you selected Wealth Equity, I think it’s great because it has the highest earning potential but you have to maintain your investment for 5 years to fully enjoy the high profit of it. Gains from Equity Funds are mostly seen in the time frame of 3 years and up. If you can afford the premiums which are kinda expensive, I’d say continue it but if the premiums are too heavy for you, choose Mutual Funds instead and look for some insurance of your choice you’re comfortable with. God bless!
Hi nag invest po ako sa bdo just started last dec, vul po ang kinuha ko 7000 every month for 5 years alin po ba mas ok vul or mutual fund? Thanks
Depende yan sa needs ng investor. Ok ang VUL if you have no insurance yet and you have your own family.
hi good morning…
just read ur blog and soooo big help for me!:)
i am planning kac to get VUL. i am OFW po..
any suggestion best VUL for me?
appreciated ur reply..thank you
Hi Fehl,
After reading your stuff, it really got me interested in trying to invest. pero magsstart pa lang kasi ako magkawork, may mga tanong lang ako.
1. Pede bang mataasan ung regular contributions ko sa BDO EIP from 1k monthly to 5k monthly? In case na tumaas sahod ko.
2. Ano mangyayari kung d na ko makadeposit tsaka d na sapat laman ng savings account ko for EIP? In case naman na mawalan ako ng trabaho.
Thanks! keep posting helpful articles
@Dante
For your number 1 concern, yes you can increase your monthly contribution on EIP.
For your number 2 concern, If the times comes that you can no longer sustain the monthly contribution then make a request from BDO to take out that EIP feature and just let your investment stay for 5 to 10 years. However, if you want to add more cash they will require you a minimum of 10k since you are no longer enrolled in EIP.
Hi. If you want any update or change in your EIP, you can go to the BDO branch where you opened it and submit update form. Tell teh banker what your purpose is.
2. Your EIP placement would likely stop coz you have no enough source fund. It’s your responsibility to make sure you have enough funds if you opened EIP in the first place 🙂
tnx, i’ll keep that in mind 🙂
Hi Fehl,
I just finished reading this article along with the inquisitive comments and the enlightening advises. I started investing last year…dipping my hands at UITFs…I read this book on investing (for dummies) … and the advise given there was like to place majority of your assets on money market funds. So I looked for a UITF in BPI with the tag “money market” and placed a bulk of money there…after a year…it gave me a measly profit! Yesterday, I withdrew it everything in that money market uitf…
Now, I have an extra amount … 300k to be exact – ready for investing…please enlighten me which UITF should I place it in. Or better yet, if you had that kind of extra funds – how would you invest it?
I pray you give my concern your preferential attention. =) I will be waiting. Thanks and more power to your blog!
Kirby
Hi, Kirby. If you want to invest 300K for UITF, Security Bank, PNB and BDO are what I recommend because of their great performance recently. I see that you prefer Money Market Funds, if you want higher return, opt for Equity Funds instead and invest your funds for 3 years or 5 years
Hi Ma’am FEHL,
Thanks to you, now I’m already into buying stocks as well. I followed the magic 10 formula. It took a while but now, I’m seeing GREEN in all the stocks I acquired. I do have one question though: IF I DECIDE TO SELL THESE STOCKS, WILL THERE BE AN “INSTANT” BUYER RIGHT AWAY? I mean what is the time frame that we are looking at here? I’m just concerned because just in case I need some liquid cash right away – and I need to sell some of my stocks — will I be able to convert them right away? Or do I have to wait until some random guy decides to buy my stock? 🙁
Thanks for taking the time to read this. I shall wait for your reply. God bless you always!
KIRBY
Hi Joseph. The 10 stocks from our Magic 10 were carefully selected and they are always premium stocks. Yes, you’ll be able to sell in just millisecond provided you sell of course at the BID board at the moment. Check out our post about “How to Sell Stocks Online” post at our STOCKS Menu
Hi ms fehl, medyo nguguluhan ako on where to invest my money. Currently i’m working abroad but i want to invest some of my savings dyan sa pinas. Since personal appearance is impossible for me i want to try to nvest thru online investments like col financial. Is it the right thing to do or can you suggest a better way to invest my money? Thank you and God bless.
Hi. Yes, you can start investing in the stock market instead of mutual funds. Earnings in the stock market is very rewarding although some people are afraid. The best thing to do is learn the basics and invest only blue-chip companies. Read our STOCKS posts to learn the basics. God bless!
Same with alvin, I placed an EF investment with SecBank just last December and so far the gains are good. I am slowly pullng out some of my UITF investments with BDO. I also noticed BDO is not performing as well as before with their UITFs. I still have two Balanced Funds with BDO which I placed both in May 2013 and are consistently at paper loss until to date. When I used SB’s calculator for their Asset Variety Fund and checked if I have placed the same amounts with them on the same dates in 2013, my funds would have produced a combined P50K plus gains at present. So much time and unrealized income were lost. Now, I’m decided to pull out my Balanced Funds from BDO the moment it beaks even hopefully any day now, and open another UITF account with SB. Also, with Philequity and COL Financial. Want to be more aggressive this time and know more about the stock market first-hand. Thanks a lot for a very helpful blog, fehl. Will be a regular reader of yours from hereon.
You guys are tempting me to pull out my BDO funds as well hehehe. Anyway, thanks for sharing your experiences here 🙂
ms fehl.
kindly advise us where to invest some of our buffer or emergency fund which is a little bit bloated. monthly living allowance x 12. 200k x 12 equals 2.4M
from my readings, some financial advisers say we may invest in a short term fixed income fund because money market funds have very low rates of return.thnks so much 4 ur blog.god bless.
Depending on your goal and risk appetite, I recommend Mutual Funds. If you’re aggressive, go for equity funds, the return is biggest. If you’re in between conservative and aggressive, go for balanced fund
I invested last year sa security bank uitf equity fund at based on last year performance natalo nito ang uitf of other banks like bdo at bpi. Sa palagay nyo po magtutuloy tuloy yung pagiging no.1 nito?
napansin ko po kasi that BDO is not doing good in uitf kaya nilipat kaya winithdraw ko yung investment ko sa BDO at nilipat sa Security Bank. At naimpress ako sa uitf performance ng SB.
Yes, Security Bank’s Equity Fund UITF is performing so great because they are very aggressive compared to other banks’ style. I heard their TO is so young compared to others
Hi Maam. Do u know anyone po from COL na nag aasist ng ofw para sa pag open ng account? Thanks po. Yout blog is realky a big help. God Bless U. 🙂
Hi. COL will email you once you sent the forms and they received them. We have a post about opening COL Financial account here in case you want to know the process and how I did it.
Hi Miss Fehl,
Napakaganda ng Blog nyo at very educational para sa aming mga nag nanais mag invest. Ask ko lang po sana kung ano ang palagay nyo sa Metrobank Equity Fund? Sa kanila po kasi kami may account kaya naiisip namin na sa kanila mag invest. OFW po kami mag asawa ing mid-30’s na may 3 anak. Anong klaseng investment po ang maipapayo nyo samin? Maraming salamat po.
Hi. You can open Mutual Funds sa Metrobank via their FAMI (First Asset Management Inc.). OK naman ang MF nila. I like their Save & Learn Equity Fund because of 22% 5-yr return. If conservative ka, try mo ang Balanced Fund nila or Fixed Income Fund. If aggressive ka like me, try Equity Fund
Thanks po ma’am. Ano naman po ang palagay nyo sa kskcoop ni Mr. Colayco?
Hi ms fehl…do you have an idea regarding the generali pilipinas in bdo,,,can u plss give me some details.thanks
Hi Miss Fehl,
Good Day.
Thanks so much for this post. I have my SDA before but since BSP removed/abolished SDA, I was hesitant going to Money Markets.
However, when I came to your posts since last year, It helped me broaden my financial knowledge. I admit I’m already mid 30s but I should have engaged on such things during my 20s… still it’s never too late for me to invest. Currently I’m with multiple UITFs via PNB (kasi I’m abroad and I have an account there which I can easily enroll without any physical presence).
Question po with regards to your response to the user “sweet angel”, I would just like to know if you recommend any brokers in PH that can I enroll to without having to go there physically to pass the requirements? (abroad kasi ako pero I usually remit to my accounts in PH)
Thanks so much.
Hi Ernst. Thank you for visiting. I recommend COL Financial coz I have great experience with them and I opened my account online. Yes, without going there in person. I think major stockbrokers here allow that naman as long as you submit the docs required. When I opened my account with COL, I sent the forms and docs via courier (LBC). Since you live abroad, you can do that too, using Fedex or other services. I have another post here how I did it. Just go over our STOCKS tab above to find the article. Cheers!
Thanks Ms Fehl, I’ll try that out.
Ms fehl ask ko lang kung magsstart akong maginvest sa MF like sa example mo, 100k ihuhulog ko ba sya ng isang bigayan lang or monthly ko idedeposit? is there any difference kung ihulog ko ng isang deposit lang kesa sa monthly? thanks!
Hi. In the sample above, 100K was a single placement. If you want to invest monthly, you’ll be able to buy shares at different price because NAVPS are different everyday. Your earnings then will be computed based on average. To compare single investment vs monthly investment, I gave out sample about lump-sum investing vs periodic investing in this post: https://philpad.com/lump-sum-investing-versus-peso-cost-averaging/
Hello, Ms. Fhel, saamat sa Dios at nanjan ang mga katulad mong tao na tulungan ang mga kapwa pilipino maging financially literate. Honestly, Im 29 years old at ngayon ko lang nalaman ang tungkol sa mga investments, I never learned these things in school. Hope you will continue to have good health so you can share knowledge to our fellow filipinos.
Thank you Jeangrey. Really appreciate your message here. God bless you. 🙂
Question: Was there an incident that someone invested then returning negative hanggang sa naubos na lang ng company ung fund ng investor?
Not that I know so far coz we only invest with big companies. If the name of the company doesn’t ring a bell, do a massive research. That is why we recommend investing to the top companies who have decent and professional record in the business. We list the best companies every year here.
mutual fund seems the best investment vehicle among the 3 mentioned above. if we are in our 30’s or 40’s. mutual fund is our best bet.
Actually, they are best for younger people too coz they will be damn richer if they started mutual funds before they get 20, 30, and 40 🙂
Hello ms fehl!i would like to invest in philequity since pwede po cla online kc im working here abroad.kya lng po pno b un if gusto q monthly like EIP.eh mgastos nmn s charge or commision pg ngpdla pg gnun.kc s bdo nmn kc la p cla online application.nid personal appearance.
Hi. If you live abroad, I suggest you invest in the stock market directly than mutual funds or uitf. I find more profit from stocks since I invest on bluechip companies. I get dividends every now and then. And there is no residence restriction, you can open stockbroker account even if you live abroad, yes, without personal appearance 🙂
Hi ms Fehl,
Wala pa akong masyadong knowledge about stock. but i want to start ivesting soon since by force early retirement ako magbabawas ng empleyado ang company ko here in abroad. lagi ko kasi naririnig sa financial adviser “put your money in stock and leave it there for long time the better” ask ko lang if the company declares dividen can you withdraw it right away or not?
Naghahanap kasi ako ng mapaglagyan ng pera ko investment at the dame time source of income.
Salamat po!
If you use online stockbroker, when dividends were issued, it will be credited to your account. Yes, you can withdraw your funds in your stockbroker’s platform any office hour you wish.
Hi Fehl, thank you for this post, this made me more driven to invest more. Just last year, I enrolled in BDO EIP(Equity Fund) and gaining profits from it. Reading your posts, I am convince that I must widen my investment and eyeing to participate in the stock market (COL as online broker) and thinking also of getting a MF. To diversify and minimize risks, would you suggests that for my MF I invest in other Funds like peso balance? For the stocks, I have 2 options in mind, buy regulary and hold stocks for 8-10 years or play in the market using the SAM of Bro. Bo. What do you think will profit more? Playing and reaping gains using option2 is fun and exciting than waiting to see the profits in my option1. I am more after the profit and open to long term investment. Appreciate your time reading this and thanks in advance. 🙂
Hi Erin. I’m applying both of your options 1&2. I use Magic 10 method from DailyPik.com. 5 stocks from selected giant companies (monthly, for 10 years), and 5 bluechip undervalued stocks. The last 5 stocks are replenished when they reached the Target Price. Profit is amazing 🙂
Your blog helps a lot!