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Author Topic: Other places to save in other than banks  (Read 32932 times)

insensitive

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Other places to save in other than banks
« on: September 23, 2011, 04:58:21 pm »

sis kung member ka ng PAG-IBIG, meron silang bagong  PAG-IBIG II savings program,6% annual interest tax free
naka locked  lang sya sa 5years or 10years..
minimum is 500,maximum is 1500 monthly

mas malaki yun kesa sa banks, tax free pa.
meron sa website nila www.pagibigfund.gov.ph, andun yung downloadable forms ipapasa lang sa branch
mas okay sya para sa akin
« Last Edit: May 15, 2012, 12:27:35 am by Mommyjazz »
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insensitive

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Re: Re: Other places to save in other than banks
« Reply #1 on: September 23, 2011, 04:59:35 pm »

pwede pala yun sis one time payment tapos hintayin mo na lang yung maturity niya, let say 5years
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anerba :)

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Re: Re: Other places to save in other than banks
« Reply #2 on: September 23, 2011, 06:51:58 pm »

hmmm....interesting! thanks for sharing. Share ko rin to kay hubby para mapagaralan namin at kapag okay talga pwede dito kami magsave.

God bless to all!
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chyk

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Re: Re: Other places to save in other than banks
« Reply #3 on: September 25, 2011, 08:17:04 am »

sa ngayon dun muna ako sa security bank, yung build up savings nila since starting palang kami and hindi pa ganun kalaki ang ipon namin. 5k lang ang maintaining, pero yung interest niya parang sa time deposit dun. tapos pag medyo lumaki na, ttry namin yung parang sa online nila, mas malaki naman daw ang interest nun 3% at 10k minimum. ang maganda dun sa build up savings ng security bank, pwede ka mag withdraw ng 3x max per quarter for emergency purposes, unlike sa time deposit na wait mo pa na mag mature sya =)

pag malaking malaki na, ttry ko na din yung sa pag ibig kasi 6% naman ang interest hehe
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happymama

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Re: Re: Other places to save in other than banks
« Reply #4 on: September 25, 2011, 11:14:43 am »

share ko lang sis,

ako naman yung last pay ko, nung nag work pa ako, inilagay ko po sa 1 time put up, kasi yung pera mo eh, 4 percent ang tubo every month. mas malaki ang amount na nilagay mo, mas malaki din ang tubo.
 at makukuha mo sya by december.

at start naman ng january, para sakin kasi ok yun eh, mas malaki pa makukuha mo by december, compare sa bank....... pero ok din po yung bank.

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MotherG

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Re: Re: Other places to save in other than banks
« Reply #5 on: November 15, 2011, 09:01:44 pm »

hi mommies!  very timely itong thread na ito!  Salamat sa info.  God bless everyone!
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galathea

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Re: Re: Other places to save in other than banks
« Reply #6 on: November 15, 2011, 09:09:07 pm »


Mga sis and mga fellow mommies, aside from savings, current and time deposit accounts in banks, my husband and I also venture into stock options, kailangan lang matyaga ka magbasa at mag-aral ng trend sa market...

But for now, stop muna kami kasi we are still paying for a property we just purchased...

Good luck mga sis and mga mommies sa ating respective financial ventures!

God bless!
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SunlifeAdvisor

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Re: Re: Other places to save in other than banks
« Reply #7 on: November 19, 2011, 12:56:48 am »

That would depend on your goal. If your goal is to just find a safe place to keep your money, then the safest is to open a bank account.


But if your goal is for long term, lets say for retirement purposes, you can try stocks, bonds, mutual funds.


FYI, pagibig is a mutual fund
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mommy_tl

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Re: Re: Other places to save in other than banks
« Reply #8 on: December 30, 2011, 11:15:21 am »

ang magandang option talaga is to save in different banks..for example, sa mutual funds, puwede kang mag-open sa 2 or 3 banks..

we have 1 mutual fund in metrobank. start is 5k and puwede mo syang dagdagan (min. ata is 1k)..nakalock sya for 6 mos..
we are also saving in a cooperative..that is my dad's account in the army pero ako nagsisave dun kasi malaki yung interest (6% per quarter)..

yung Market2x Mall din puwede kang mag-invest sa kanila..aside sa puwede mong iinstallment yung items eh kumikita pa pera mo..

happy saving everyone... :D
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bargainsassymom

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Re: Re: Other places to save in other than banks
« Reply #9 on: December 30, 2011, 11:30:32 pm »

Ako talaga sis I'd recommend going into business para mas malaki kita.

But if ala time deposit yung hanap mo, another option that you can look at is the SDA na product ng BSP. I got SDA through BPI and mas malaki yung kita sa SDA than time deposit. similarly, you can take out the money after 1 month din or pwede mo iroll ulit. pero mas malaki yung initial amount na kailangan for SDA, Php50k.
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insensitive

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Re: Re: Other places to save in other than banks
« Reply #10 on: January 04, 2012, 01:15:36 pm »

savings namin ngayon through coop dito sa office..2k kada sweldo so 4k a month(40share)..malaki interest income kasi ipinapautang din sa members..sabay sabay ang release ng members sa december..bale 11mos sya..ang interest income last dec sa P100 is P542..sana this year ganun din kalaki para meron ako P21,680 sa pasko!!
ay para sa anak ko pala yun hihi..
7years na ako sumasali sa ganito pero kasi kadalasan konti lang nakukuha ko pagdating ng dec kasi kaltas ang utang.this time sisikapin ko talaga na hindi bawasan...ayoko mawalan ang anak ko.
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mommy irene

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Re: Re: Other places to save in other than banks
« Reply #11 on: January 04, 2012, 02:07:42 pm »

^ sis roch, katuwa naman yang coop niyo.. maganda talaga yan pang ipon for candice future, ako kasi konti lang kami sa office at walang nakakaisip ng ganyan.. eh maliit lang naman ang sahod ko kaya this time, gusto ko talaga i-career ang magsave kahit ba 300-500 every payday.. kung meron lang sana ako mapaglalagyan.. :(

kasi mga sisses, everytime na nag oopen ako ng bank, ilang months lang na-coclose ko na kasi may mga unexpected expenses, dun nagagamit PLUS alam niyo yung feeling na alam ko kasi na may pera ako, kaya minsan sasabihin ko sa sarili ko, "ay kuha muna ako tapos ibabalik ko na lang pero in the end, hindi na".. yung tipong ganun ba kaya ayun, hindi din nakakasave.. gusto ko sana yung secured at kahit pano may kita ng konti.. eh yung opening ng passbook ang lalaki, di ko keri..

hayyyysss, ang hirap mag isip san ilalagak ang kakarampot na kita..  ;D
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insensitive

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Re: Re: Other places to save in other than banks
« Reply #12 on: January 04, 2012, 02:27:31 pm »

oO nga sis..yung P21,680 interest income lang yun plus yung share pa na 4kmonthly x 11mos..so may P65,680 ako in 11mos..wooohooo.tinatanim ko talaga sa utak ko yan para hindi ko mabawasan. pag sa bank kasi konti lang ang income diba..
naishare ko na din to sa isang thread..
sa BDO sis yung junior savers club ba yun..mas maliit yun,.para makapag ipon ka din kay basti
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mommy irene

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Re: Re: Other places to save in other than banks
« Reply #13 on: January 04, 2012, 03:32:02 pm »

^ uu nga sis eh, i-aapply ko na si basti sa BDO jr savers.. as for my savings naman, yung ang iniisip ko kung paano.. sana may ganyan din akong masalihan, hahaha.. isipin ko lang na may ganyan tayong pera in one year, haayyy, panalo na!.. sarap lalong mag ipon ng mag ipon.. hehe..

tapos sis, hanap na ng inenegosyo ano,?!..  ;)
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momgee

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Re: Re: Other places to save in other than banks
« Reply #14 on: January 06, 2012, 05:25:46 pm »



 Sobrang baba sa banks,I tried another investment instrument, stocks din. I joined Citisec. I was approved just today and funded it through net banking.Madami nga lang babasahin but It is better you know the trend.
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