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Author Topic: Other places to save in other than banks  (Read 37104 times)

momgee

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Re: Re: Other places to save in other than banks
« Reply #15 on: January 06, 2012, 05:29:24 pm »


   I signed under Citisec. I just funded it through net banking. Stock investment. I just have to be aware of the business trends para updated kung anong companies ok bumili ng shares.I signed the EIP.
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jealousygirl

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Re: Re: Other places to save in other than banks
« Reply #16 on: January 09, 2012, 10:09:49 am »

Hi po mga ka Sp mommy.. isa rin ako sa mga hirap mag ipon. i do have save up BPI,, but then nakukuha ko at nauubos,, huhuhu.. kaya this year talagang eager ako na mag ipon,, nabasa ko po yung about sa pag ibig 2.. okay po ba talaga un,, kasi sa nabasa ko , safe tlaga at hindi mo basta basta makukuha, pag sa bank kasi may tendency na makuha pa rin, and about sa dividends nun,, pls mommy  help me to convince myself na dapat na mag save ako sa pag ibig,, by the way. pag ibig member na rin ako. as per our accountant kasi, sabi niya tataxan daw un,, true po ba? tas sabi ng isang ofismate ko, mababa raw mas better daw plan,, whaaaa.. nakakalito,, pls mommies,, advice me naman po,, here lang kasi ko na eenlighten. TIA...
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bargainsassymom

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Re: Re: Other places to save in other than banks
« Reply #17 on: January 21, 2012, 12:04:38 am »

Sis jealousy girl,

suggest ko magtry ka muna magpalit ng buying habits. mahirap kasi mag invest if nagagastos din agad. yung friend ko has the same problem so she enrolled dun sa bpi na Save Up Automatic Savings para hinihiwalay niya ng bank account yung savings mo.

then if nakaipon ka na ng mas malaking account, ilagay mo sa time deposit or SDA para hindi mo pwede galawin for a month or a longer period of time, depends sa piliin mo.
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two_angels'_mom

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Re: Re: Other places to save in other than banks
« Reply #18 on: January 21, 2012, 03:04:22 am »

^@ mommy irene, sis pareho tayo ganyan din nangyayari saken pag nag-oopen ako ng bank acct so nagdecide ako sumali din ng cooperative sa office namen since yung ikakaltas sayo hahatiin nila sa dalawa which is savings and capital shares..yung capital shares yun ang pinapautang nila so me interest din yun pero mawiwidraw mo lang to pag nagwidraw ka ng membership from the coop..pero yung savings pwede mo sya widrawin anytime para lang sa banko pero kailangan mo mag-iwan ng 1k parang maintaining balance..so okay pa din kasi me matitira at kahit mawidraw ko lahat ng savings except dun sa 1k me matitira pa din sa pero which is the capital share na tumutubo pa din..tapos me choice ka din if magkano lang gusto mong savings..from as little as 200 per payday..100 goes for the capital share the rest sa savings..

treasury bonds din okay daw..just dont know how it works pero yung barkada ko nung naretrench kami sa first job namin yung severance pay niya ipinasok niya sa treasury bonds tapos yun ang pinanggamit niya pambili ng kotse niya :)
« Last Edit: January 21, 2012, 03:17:42 am by two_angels'_mom »
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mommy_tl

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Re: Re: Other places to save in other than banks
« Reply #19 on: January 21, 2012, 09:36:13 am »

yung money na iniinvest in T bonds are used by the government.. minimum of 5000 yung pwedeng iinvset dito..
the interest for a 3-year bond is 8.5%, pag 5 years naman is 9%..interest is paid every quarter subject to 20% withholding tax..
eto yung sample computation na nakita ko online:
■Investment Amount: Php50,000
■Invested in: 3-year RTB paying 8.50% coupon
■Gross Quarterly Interest: Php1,062.50 (Php50,000 x 8.50% x 1/4)
■20% Withholding Tax: Php212.50
■Net Interest to be Received: Php850.00 every quarter

 :D :D :D
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momgee

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Re: Re: Other places to save in other than banks
« Reply #20 on: January 21, 2012, 11:04:53 am »


  Meron po yata ng Treasure bonds ang Pag Ibig? Or san ba maganda?
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toughmom moderator

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Re: Re: Other places to save in other than banks
« Reply #21 on: January 31, 2012, 05:35:30 pm »

Goal for It: Make your First Investment
 investing requires planning and understanding its fundamentals: It is not gambling,...Investing is really about reducing your risks to the level where your capital is preserved long enough to have the power of compounding work for you.
To start you out in investing, follow these tips from our expert.
http://www.smartparenting.com.ph/home-living/moneywise/goal-for-it-make-your-first-investment
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mommy_tl

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Re: Re: Other places to save in other than banks
« Reply #22 on: February 23, 2012, 11:54:11 am »

i just wanna share this:

we received a dividend share of about 25% of our investment sa cooperative namin. i would like to suggest to all moms na if may alam kayong stable coops, might as well join kasi aside from your money earning interests, you'll also get some dividend share. plus you can avail of some privileges your coop offers. :)
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daddy mike & mommy_tl & baby zeik

lai_lanzaderas

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Re: Re: Other places to save in other than banks
« Reply #23 on: February 29, 2012, 01:18:15 pm »

after I reached our target emergency fund, we invested in mutual funds (PAMI's PSGF and PFI) and stocks (thru BPI Trade).

the fund and investments are gone because we built a house last year. 

we're starting all over again.  same approach, we will build first our emergency fund and then invest.
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imeego

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Re: Re: Other places to save in other than banks
« Reply #24 on: February 29, 2012, 03:06:54 pm »

my husband and i opted to invest our money thru sda, i think it has a relatively higher interest rate than time deposit and it is under bsp so i believe it is safer.....we also decided to place some money in our inlaws' business which has a guaranteed annual interest, at least kumikita pa din kahit paano :)
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mrstamby

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Re: Other places to save in other than banks
« Reply #25 on: September 08, 2012, 05:45:36 pm »

Mga sis!

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Exclusive kasi sa company namin yung pagoffer ng investment na to eh, just thought you might also be interested kasi nagandahan talaga ako sa product.
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mamacharis

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Re: Other places to save in other than banks
« Reply #26 on: September 15, 2012, 06:18:01 pm »

kagaya ng ibang mommies sa stocks din ako for retirement sana. hindi ko masyado inaral binasa ko lang book ni bo sanchez hindi ako nag buy n sell. pag may pera hulog agad then bili stocks. minsan puro red lahat ng stocks ko may time naman na green lahat kaya happy ako.
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Shey

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Re: Other places to save in other than banks
« Reply #27 on: September 18, 2012, 02:09:51 pm »

Hello Mommies!  puwede rin yung VUL ng Sun Life.  Insurance tapos may investment purposes.  Para sa educ fund ng anak ko kumuha kami ni hubby nito.  puwede rin to for retirement. Opted for a minimum face amount since ang purpose namin is for higher earnings and mag- add na lang kami ng excess premiums para pambili ng additional units for investment. Yung units na binili ay invested sa equities, bonds. Heto yung product na best of both worlds ang term nila.If interested you can pm me.
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AbbeAndCaleb

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Re: Other places to save in other than banks
« Reply #28 on: September 19, 2012, 03:26:55 pm »

mutual funds such as those offered by Sunlife and cooperatives ang magandang pag-investsan ng savings mo. basta sis, diversify lang...

sa mutual funds you can get returns as low as 5% per annum,sa cooperative naman, depended sa dividends . nasubukan ko na yung sming employee coop nagdividend ng 50% so maganda talaga. Just choose a stable cooperative and also be a responsible member. ang maganda sa coop, you can even avail loans based on your fixed deposit at very low interest rate .

Most cooperatives offer 12% per annum na loan rate! example, you have 25,000 as your fix deposit at the time of the loan - you can avail loans twice that amount - 50,000 payable in 1 year.

I'm now 31 years old and i've been a member of a cooperative since I'm 18. it has helped me a lot ever since to save and have access to loans whenever i needed it.

Have an abundant life. God bless!
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jho_advisor

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Re: Other places to save in other than banks
« Reply #29 on: September 26, 2012, 04:19:43 pm »

Hi! mga Mommies!

VUL products offered by Life Insurance is a great investment aside from bank. and very flexible.  You only have to save and at the same time naka insured k pa. Magagamit mo ito for your child's education, retirement or even in business. Hindi rin ito mag la lapse and ma me mainttain mo yung insurance basta hindi bababa yung money for the minimum amount of P20,000

Invest your money  in fixed income fund, equity, balance and growth fund.

It is your time to invest now to earn more..

« Last Edit: September 27, 2012, 10:51:22 am by Mrs. Anderson »
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