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Category: UITF / Mutual Funds

How You Should Spend Your Loan... And How You Should Not

BSP Allows Unit-paying UITFs

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With this development, soon there will be UITFs that provide passive income via dividends, without the need for Juan to redeem his investment principal. So Juan can just hold on to his principal, enjoy the capital appreciation, while reaping the unit-payment income on the side.

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Updates on Cowie, Liv, Mellie and Cattle Raising

Ask Geri: OFW Prepared for Death Expenses, Now How to Live?

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In a gist, VUL asks you to commit a monthly payment whether it is for the next 5, 7, 10 or 15 years. During this time, a portion goes to protection by guaranteeing an amount in case the owner dies, suffers disability or critical illness. Further a portion is invested in instruments that work like a Mutual Fund / UITF which grows exponentially over time. This fund is withdrawable for any use, such as eventual retirement, tuition fees, home purchase etc.

Notes and Quotes from #COLFinancial #SMartInvesting 2016 (Part 1)

Ask Geri: Should I Get VUL Insurance or Mutual Funds?

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Get both! The “or” approach may be stemming from the fact that VUL and investment funds do have some overlaps and maybe you want to avoid the redundancy and the repetition to sort of maximize your investments. But they do have distinct purposes and benefits that the other cannot provide.

When is the Best Day to Buy Stocks? (Based on BDO EIP)

When is the Best Day to Buy Stocks? (Based on BDO EIP)

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The chart says 2nd, 4th to 6th, 9th to 14th, 16th to 21st and 25th to 28th seem to be good choices in buying UITF. My previous and ongoing investment, which falls on every 15th, is unfortunately one of the peaks of average prices. I chose 15th due to cash flow considerations and I did not think of doing this exercise in Jan2013. Just now. Hindsight.

BDO Easy Investment Plan (EIP) Analysis and Updates

BDO Easy Investment Plan (EIP) Analysis and Updates

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This discipline in investing at regular intervals removes the need to time the market (good for newbies and those who don’t have time to monitor the market) as well as removes the emotions in executing every trade (greed during market runs or fear to invest when market goes south).

My Coin Bank Gives Me Better Yields vs PHP100K 3-Year Time Deposit

Ask Geri: How to (1) Invest in Stocks Via Banks, (2) Beat Inflation and (3) Differentiate Blue Chips vs Smaller Cap Companies?

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If ever you go for a UITF, just choose stocks-related funds assuming these meet your risk appetite. Banks will ask you to answer a questionnaire to determine your risk appetite and investment horizon. Initial investment can be as low as PHP10K and incremental investments as low as PHP1K.

Easier Than Stocks: How To Gain From UITF Trading

Easier Than Stocks: How To Gain From UITF Trading

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If the actual stock market is green, then there is a big chance that the equity-based UITF prices to be published by end of day (~5pm to 7pm) is also green. If the stock market is down today, then equity-based UITF will likely be down as well. As such, if you buy before cut-off (in this case by 2:30pm), then you’ll be able to buy at end of day prices. Same with selling.

How You Should Spend Your Loan... And How You Should Not

Where to Put My Christmas Bonus? v2

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Fully or partially pre-term your loans. I know this sounds so killjoy but hey, delay of gratification is always gratifying. And think about this. Imagine the interest savings you can get by pre-terminating your loans. Or the freed up money that used to be spent on amortizations.

insurance is like rain protection

Ask Geri: How Variable Unit Linked (VUL) Insurance Works?

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The investment portion, is not guaranteed, it may have gains or it may incur losses, and it is withdrawable by the policy owner. Every month of savings, the portion that goes to investments is used to buy units in the funds chosen by the client.

When is the Best Day to Buy Stocks? (Based on BDO EIP)

Cost Averaging Method. Easy Investment Plan. Simulation of Regular Investing.

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the timing effect in the investment is minimized since purchases are spread out. Supposedly, the time you buy (whether at a high or low) is no longer relevant since your average purchase price will tend to be lower than future values.

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