This made me think twice about MF. I just started building my portfolio for about 2 months now. Meron na akong 4 companies stocks then I have MF na 2 months ko na nahuhulugan. I plan to buy 2 stocks per month until I will have around 15 pero ang MF ko is plan ko hulugan monthly. If that is the case lalaki percentage ng portfolio sa MF. Now, I am thinking twice if I will still continue MF, e ang goal ko pa naman is 5 yrs lang. Please advice po if kailangan ko pa ituloy ang MF, or just simply maintain ko nalang at a minimal, like not more than 15% of my portfolio.
It depend kc kng kelan nya inihulog pera,as you can see ,he invested on a different months and days. That's why he's money did not grow as expected, better to invest as a lumpsum or exactly day of the month where he initially invested like for example: jan1 ,then nxt month Feb 1 exactly, otherwise if you invested Feb 2 onwards, it will not count the month for Feb, it will count this amount in march,
Minalas lang dahil pandemic. In my case with sunlife, naka 60% gain ako nung 2019 after 8 years. Saktong na-withdraw ko ung tubo ko nung 4.3758 ang navps ng Sunlife unlike ngaun, as of today (July 5, 2022) is 3.17/share na lang. Sisi na lang ako at di ko winithdraw lahat last 2019. Malay b natin n magkakapandemic right?
Yes. Yes. Its just sad kasi i know someone na magreretire na sana and wud use the funds expecting meron return. Unfortunately, parang break even lng. So 10 years tulog ung pera. :(
in my opinion, you cannot see a large growth for your investment in a span of 10 years, but when allot for 20-30 years you can really see the large growth of your investment.. in comparison, there is this fund from a mutual that sells only about like a decimal example 0.5, 0.7, or 0.9 etc 15-20 years ago but currently its like 4-6 navps
mataas po siguro ang expense ratio ng mutual funds na sinalihan niya, yumayaman ang mga fund managers kasi hindi Pro Investors ang fund kung hndi Pro Managers. Kaya siguro sikat ang Vanguard Mutual funds ETFs like VOO, VTI, VT and BND kasi nga sobrang baba ng ER nila!
Agree. Akala ko ang goal ng mga fund managers ay kumita ka pero manager lang talaga sila. ipapasok nila ang pera sa stocks pero wala naman silang diskarte na pagbababa eh hahatakin nila ang fund at ililipat sa mas kikita. I think best is magconcentrate sa isang company lang na paglalagyan ng investment although maliit ang return pero wala namang "fund manager" na gusto lang eh kumita sa paghawak ng pera mo. I invested 200k before, isang bagsak. After 3 years naging 197k dahil walang nangyayari sa market. Kung tumaas man eh may annual fees ang Mutual Fund so wala rin talagang kikitain.
@@MrElectricN8 Magkno annual fees po ng MF? Naghahanap din ako ma iinvestan ngaun. Am in d middle in terms of risks so am looking at balanced funds. But no prior experience whatsoever. Any suggestions po?
Been investing using PCA since 2009 sa Sunlife Equity Fund. In hindsight, the best time to sell was around 2018. If equities just remains range bound, better buy dividend stocks, REITS than doing PCA through mutual funds, UITFs. Why? D ka kikita sa pooled funds in a range bound market, pooled funds don't give out dividends as well, tulog lng yong pera. Whereas, if you buy dividend paying stocks, even if market doesn't go up, you still get to receive income through dividends and that will provide you cashflow, not to mention potential price appreciation of the stock. Some advocate PCA but it only works when equities start to trend upwards. Just my two cents.
This is the reason why doing your own research is important. For long time horizons, index funds are the solution. What index fund? That's for you to decide based on your research because not all index funds are the same; some indices should be treated like trading individual stocks and some indices should be held for a long time. Although you could still make money by buying and holding for a long period of time because in the case where you don't get paid dividends regularly, compounding starts to have a significant effect after about 10-15 years wherein your portfolio earns 20k - 50k on its own annually (again this is based on your own numbers because you have to be realistic here, i mean, how are you gonna get your fund to earn 50k annually if you only invested 100k over that time horizon at 8% interest rate?) But my point is, if you don't earn through dividends, then you earn through compounding as long as what you're withdrawing is way less than what you're earning. A helpful tip would be to look at a fund's performance and top holdings and ask these questions: 1.) How is the fund performing after 10 years? How can it perform in 20 or more years? 2.) What caused any fluctuation in the fund? 3.) What is the benchmark and how is it performing? (This question should reflect your objectives on why you started investing) It still holds true that we cannot predict future performance but we can see patterns in order to project future results based on historical data
But this could be a wake up call, meron din po ako mga MFs investment dito sa PH at nakaka sad ng ma-realize ko na mataas pala ang mga expense ratio nila. Fund managers lang ang yayaman. Vanguards expense ratio is 0.03%, mga MFs sa pinas are mostly above 2%, ang laki po ng difference di po ba. Salamat Tiyo Pilo for this wake up call.
welcome. I appreciate it.. ako din. im still a believer of MFs, but ayun nga, data don't lie.. this is a 10year return and it's kinda sad.. but then again, this is the risk in investing..
I wonder if there's someone out there in the Philippines who is using the couch potato strategy(Index Fund and Bond Fund allocation)? Pag bumaba ang stocks ay ibebenta ang ibang bonds, then ibibili niya yung proceeds sa stocks, and vice versa.
Ano po mga iba pang advice nyo mga sir, dahil plano kong mag invest sa mt 21 po right now, since bata pako, my risk appetite is aggressive, so I plan piliin ang high risk MT then plan ko iwan ng 20 yrs. then change to moderate MT then another 20 yrs change to Conservative. Is it wise decision? and what video /book you can recommend to me?
yes.. pwde ito.. once may enough knowledge ka na and comfortable ka na sa market, u can explore other options like directly investing in stocks and others... pero MF will help you get started. ung important part is getting started..
If first time mo mag.invest, okay nmn ung MF para at least may exposure ka to the market.. lower risk compared to stocks and crypto. But once may experience ka na and comfortable na, dun na best mag.explore ng other investments.
Exactly what happened to me. Same fund. Held it about 15 years to date. The thing is, back then projections were like 30-40% growth after 7-8 years. I would have doubled my money already if I invested in MP2. Sad opportunity loss.... Times have changed. MF's are passe'. The other MF's I invested are far worse with no promise. I invested there more than a decade as well. I am old. Will redeem my MF's and go for dividend stocks. Last hurrah for me. Tuition fee ...
check mo po sa pifa or philippine investment funds association. if not listed dun, din hindi siya MF. be very cautious in investing bsta hindi listed or regulated.
I'm assuming the investor was aware what they were investing into. Was it 100% equities? Local shares lang ba or merong bonds? Was it accumulation like dividends are reinvested? Fees? Usually if it's high then it will eat up the returns.
Try MP2 Pag ibig mutual funds po siya. Pero non-traded funds. Meaning parang nilgay mo pera tas pinapautang nila usually 6% return annually . Unlike sunlife,etc..
Ang tinuturo s Img is basic mindset at learning s pag manage mo Ng iyong financial,starting point kung bga to become a matured investors. Nsa sa iyo yn kung paano mo papalaguin Ang Pera mo base knowledge nah naintindhan mo☺️🤔👍 Happy investing po☺️
This made me think twice about MF. I just started building my portfolio for about 2 months now. Meron na akong 4 companies stocks then I have MF na 2 months ko na nahuhulugan. I plan to buy 2 stocks per month until I will have around 15 pero ang MF ko is plan ko hulugan monthly. If that is the case lalaki percentage ng portfolio sa MF. Now, I am thinking twice if I will still continue MF, e ang goal ko pa naman is 5 yrs lang. Please advice po if kailangan ko pa ituloy ang MF, or just simply maintain ko nalang at a minimal, like not more than 15% of my portfolio.
hello same here bago lang sa mutual fund, alamin mo lang yung the best company na bibilhan mo ng mf.
@@LodsAlexis yung binili ko MF ng Col Financial, bago lang yata yun.
@@zianmanalo1276same CSG pinili ko
watching in year 2024. Kindly give update how the fund recovered if not yet sold.
Sa kahit anong investmest po kc dapat may proper monitoring in order for us to take action kapag significant na either ang gain or loss😇
nice nice.. totally agree with this. =) thanks.
@@TiyoPilo sana di pa po na re redeem ng friend nyo kc pd pa bumawi pag umok na market.
One case doesn’t represent the whole picture. The time doesn’t also show the real potential of pooled funds. Sakto mababa ngayon
Yes totally agree with you. As mentioned in the video, there are a lot of factors that affected the results. :)
One thing’s for sure though, you have my respect!
It depend kc kng kelan nya inihulog pera,as you can see ,he invested on a different months and days. That's why he's money did not grow as expected, better to invest as a lumpsum or exactly day of the month where he initially invested like for example: jan1 ,then nxt month Feb 1 exactly, otherwise if you invested Feb 2 onwards, it will not count the month for Feb, it will count this amount in march,
magkano po ba ang service fee ng mutual fund for buy/selling transaction.
Salamat plano kupa naman mag invest mutual. Pero di nalang e business kuna lng
Lods sana mapansin niyo chat ko
Ask ko lang po panu po kayo nagstart or nagapply sa mutual funds pede po maggawa kayu ng actual apply
Minalas lang dahil pandemic. In my case with sunlife, naka 60% gain ako nung 2019 after 8 years. Saktong na-withdraw ko ung tubo ko nung 4.3758 ang navps ng Sunlife unlike ngaun, as of today (July 5, 2022) is 3.17/share na lang. Sisi na lang ako at di ko winithdraw lahat last 2019. Malay b natin n magkakapandemic right?
Yes. Yes. Its just sad kasi i know someone na magreretire na sana and wud use the funds expecting meron return. Unfortunately, parang break even lng. So 10 years tulog ung pera. :(
in my opinion, you cannot see a large growth for your investment in a span of 10 years, but when allot for 20-30 years you can really see the large growth of your investment.. in comparison, there is this fund from a mutual that sells only about like a decimal example 0.5, 0.7, or 0.9 etc 15-20 years ago but currently its like 4-6 navps
Saan pwede mag invest? Any official website or link?
mataas po siguro ang expense ratio ng mutual funds na sinalihan niya, yumayaman ang mga fund managers kasi hindi Pro Investors ang fund kung hndi Pro Managers. Kaya siguro sikat ang Vanguard Mutual funds ETFs like VOO, VTI, VT and BND kasi nga sobrang baba ng ER nila!
Agree. Akala ko ang goal ng mga fund managers ay kumita ka pero manager lang talaga sila. ipapasok nila ang pera sa stocks pero wala naman silang diskarte na pagbababa eh hahatakin nila ang fund at ililipat sa mas kikita. I think best is magconcentrate sa isang company lang na paglalagyan ng investment although maliit ang return pero wala namang "fund manager" na gusto lang eh kumita sa paghawak ng pera mo.
I invested 200k before, isang bagsak. After 3 years naging 197k dahil walang nangyayari sa market. Kung tumaas man eh may annual fees ang Mutual Fund so wala rin talagang kikitain.
That's right. MF have high expense ratios. Malamang almost 1%.
@@MrElectricN8 Magkno annual fees po ng MF? Naghahanap din ako ma iinvestan ngaun. Am in d middle in terms of risks so am looking at balanced funds. But no prior experience whatsoever. Any suggestions po?
nakadepende po ba sa mutual fund companies ang ikagaganda ng fund mo..at anong mutual fund company ang da best?
Been investing using PCA since 2009 sa Sunlife Equity Fund. In hindsight, the best time to sell was around 2018. If equities just remains range bound, better buy dividend stocks, REITS than doing PCA through mutual funds, UITFs. Why? D ka kikita sa pooled funds in a range bound market, pooled funds don't give out dividends as well, tulog lng yong pera. Whereas, if you buy dividend paying stocks, even if market doesn't go up, you still get to receive income through dividends and that will provide you cashflow, not to mention potential price appreciation of the stock. Some advocate PCA but it only works when equities start to trend upwards. Just my two cents.
totally agree with this. thats the reason why i shifted to dividend investing. thanks for sharing. =)
ano po ung PCA?
This is the reason why doing your own research is important. For long time horizons, index funds are the solution. What index fund? That's for you to decide based on your research because not all index funds are the same; some indices should be treated like trading individual stocks and some indices should be held for a long time. Although you could still make money by buying and holding for a long period of time because in the case where you don't get paid dividends regularly, compounding starts to have a significant effect after about 10-15 years wherein your portfolio earns 20k - 50k on its own annually (again this is based on your own numbers because you have to be realistic here, i mean, how are you gonna get your fund to earn 50k annually if you only invested 100k over that time horizon at 8% interest rate?) But my point is, if you don't earn through dividends, then you earn through compounding as long as what you're withdrawing is way less than what you're earning. A helpful tip would be to look at a fund's performance and top holdings and ask these questions:
1.) How is the fund performing after 10 years? How can it perform in 20 or more years?
2.) What caused any fluctuation in the fund?
3.) What is the benchmark and how is it performing? (This question should reflect your objectives on why you started investing)
It still holds true that we cannot predict future performance but we can see patterns in order to project future results based on historical data
But this could be a wake up call, meron din po ako mga MFs investment dito sa PH at nakaka sad ng ma-realize ko na mataas pala ang mga expense ratio nila. Fund managers lang ang yayaman. Vanguards expense ratio is 0.03%, mga MFs sa pinas are mostly above 2%, ang laki po ng difference di po ba. Salamat Tiyo Pilo for this wake up call.
welcome. I appreciate it.. ako din. im still a believer of MFs, but ayun nga, data don't lie.. this is a 10year return and it's kinda sad.. but then again, this is the risk in investing..
@@TiyoPilo If it were a 5 year term tingin mo po kkita sya?
I wonder if there's someone out there in the Philippines who is using the couch potato strategy(Index Fund and Bond Fund allocation)? Pag bumaba ang stocks ay ibebenta ang ibang bonds, then ibibili niya yung proceeds sa stocks, and vice versa.
interested to know as well. but in theory this sounds nice, ung actual execution lng.
I think sakto yan sa bagong mutual fund ng COL which is Strategic Growth Fund kung saan ako nag invest
Ano po mga iba pang advice nyo mga sir, dahil plano kong mag invest sa mt
21 po right now, since bata pako, my risk appetite is aggressive, so I plan piliin ang high risk MT then plan ko iwan ng 20 yrs. then change to moderate MT then another 20 yrs change to Conservative.
Is it wise decision? and what video /book you can recommend to me?
yes.. pwde ito.. once may enough knowledge ka na and comfortable ka na sa market, u can explore other options like directly investing in stocks and others... pero MF will help you get started. ung important part is getting started..
tingin ko lalaki yan around 20 yrs lugi kung sinell kaagad
So much better pa pala yung mp2 ng pag-ibig
yes yes.. totally agree with this.. :)
Balak ko pa nmn mag mutual funds pero kung. Gnito lang din bka italpak ko na lang
If first time mo mag.invest, okay nmn ung MF para at least may exposure ka to the market.. lower risk compared to stocks and crypto. But once may experience ka na and comfortable na, dun na best mag.explore ng other investments.
Dapat di nya muna kinuha, mababa kase ngayon
Tama. Ang tawag dyan peper lost. Kaya nga dapat inde ya kenowa muna.
Exactly what happened to me. Same fund. Held it about 15 years to date. The thing is, back then projections were like 30-40% growth after 7-8 years. I would have doubled my money already if I invested in MP2. Sad opportunity loss.... Times have changed. MF's are passe'. The other MF's I invested are far worse with no promise. I invested there more than a decade as well. I am old. Will redeem my MF's and go for dividend stocks. Last hurrah for me. Tuition fee ...
im so sorry to hear. this. :(
Mag time deposit ka nalang, cgurado pa may income, LOL.
Funds worth pa ito? May nag invite kasi sakin baka po scam FUNDS WORTH Ang name nila
check mo po sa pifa or philippine investment funds association. if not listed dun, din hindi siya MF. be very cautious in investing bsta hindi listed or regulated.
I'm assuming the investor was aware what they were investing into. Was it 100% equities? Local shares lang ba or merong bonds? Was it accumulation like dividends are reinvested? Fees? Usually if it's high then it will eat up the returns.
its 100% equities. :)
The lower return is due to pandemic. If no pandemic, the value would be higher. Can you please compute the value in 2019 before pandemic?
totally agree with this.. but this just shows that there's really nothing guaranteed in any kind of investments..
@@TiyoPilo not bad for effortless investing.
Sana nag withdraw na sya nung nag pandemic
Manager lang ang yumayaman sa ganyan imagine pinapagamit natin sa kanila ang pera natin
I wouldn't say that this is not correct.. :) so yeah, possible. hehe
nako invest ka para na yan sa anak mo 10.-20 yrs to redeem
d po sa akin yung account na yan.. hehe sa friend ko po.. pero yes, im investing in MF nmn, but mostly im into directly investing in stocks..
atleast paperloss intead of poorex.haha
hahaha parang may hugot ah. hehe
10 years no longer that long for you? 😅 haha
JESUS CHRIST NOT WORTH IT
TEN YEARS?
PARA KA LANG NAGLAGAY SA BANGKO
haha uu nga eh.. so sad. :(
Try MP2 Pag ibig mutual funds po siya.
Pero non-traded funds.
Meaning parang nilgay mo pera tas pinapautang nila usually 6% return annually .
Unlike sunlife,etc..
Ayaw Ng mga recuiter ng IMG Yan 🤦
Dapat sa mf mag invest lol 🤦😂🤣
Parang may hugot? Hehe just sharing the numbers. Numbers dont lie. :)
kya ako napadpad dto dhil sa video ng IMG 😅😅 nag ddlwang isip ako mag invest... nakakatakot ma-scam ... ano po mssbi nio? wG po ba??
Same po maginvest po sana ako sa IMG. May kikitain poba talaga?
Ang tinuturo s Img is basic mindset at learning s pag manage mo Ng iyong financial,starting point kung bga
to become a matured investors.
Nsa sa iyo yn kung paano mo papalaguin Ang Pera mo base knowledge nah naintindhan mo☺️🤔👍
Happy investing po☺️
Naku ang baba lang tumayming sa pandemic ang ika 10years nya
uu nga eh. nakakalungkot. and until now, parang ganun pa rin ung returns.. tsk2x.
Down market kasi
uu nga eh. since 2020. :(
bakit hindi kapo mag tagalog hindi naman linggwahe english sa pinas
d man gud kamao mag tagalog. bisaya man ko gud. hehe