I appreciate for giving the public to know the best way of investing hard earned money. I am really thankful for it as I am looking forward to invest for my son’s future. More power….

i want to invest in a mutual fund..where do i start?i have only 5k in my savings..

which mutual pays at least 15% a year???

@asuncion salero

Most companies will hand out their track record. You may ask them what’s their average return per annum. They will be more than happy to answer. And each mutual fund companies and their packages offers different interest with the cost of higher risk.

Hello! I am 60 yrs. is it late for me to invest in mutual funds?

Thanks, Im into investing to stocks but i still need to attend seminars to know more bout the stocks exchange

i want to invest in a mutual fund, what are the requirements and where do i start? thanks

i am into some small business but unfortunately not that lucky to make it last long… could you give me some tips where should i invest or advices on how could i start to learn more about mutual funds… heard of it before in my college days, just now i realized have not tried that yet… maybe it’s may opportunity this time, hope to here from you soon… thanks!

Yep stock is very risky but once you know how to play right being a millionaire not just a dream, best bet is to learn how to buy/sell in the market but make sure you study enough not just study a day but devote your life to it..and also get some sleep hehe

@jamin,

that’s 3.6% return per annum and is a decent return. We always say that mutual funds won’t make you rich quick and time is your friend. What you can do is to add more money to your funds or wait for the long term. a year or so.

Mutual funds are like a net that will catch you should you retire. We never advocate mutual funds to make you a millionaire. There are other forms of investment that can do that, stocks, forex and commodities.

The best thing about mutual funds is you can start small, be safe and have experience in investing that will help you invest in riskier markets such as stocks and forex.

Time, not Timing is the BETTER ALLY in Building Wealth!
If your investment mindset is short term, do not invest in stocks!
Nothing will turn out good in short term… Investor should not mind the day-to-day fluctuations of the stock market. Good quality companies can withstand these fluctuations. They might suffer a quarter or two, but in the long term, they will stand tall & strong.
Stocks fluctuations are resulted by anticipation, greed & fear.
It’s about the willingness of the buyer to “buy” at the seller’s price, and the willingness of the seller to “sell” at the buyer’s price. Collective-fulfilling prophesy.
“Be fearful when others are greedy & be greedy when others are fearful.” -Warren Buffet

Seasoned & experienced investor sees bear market as great opportunity.
Recession in 2008 is an opportunity of a lifetime. This recession will not stay in the next 3 years & you can’t have this kind of opportunity in the next 5-10 years. Many people were not able to take advantage of the opportunity because they are afraid to take risk (no emergency fund, lack of experience, etc). Risk in investment is greatly reduced as you increase your knowledge… (Inflation up = stocks down).
IN INVESTMENTS, THE EARLY BIRD GETS A BETTER CHANCE!

PROBLEM: MINDSET
Many people go into stocks for status symbol rather than investing. They often sound smart, speak with authority, they talk big deals but are never in them. They look for stocks, & if favorable they buy. The problem is they buy late because if you get your news from “tips” or newspaper – it is too late. The truly smart investors have purchased way before it makes the news. When bad news comes, they criticize. They have all the reasons why investment will not work, but can’t tell you how it could work.
The biggest reason people are scared of investing is they confuse investing with gambling or playing the lottery. The problem is people want so much, so soon, and so fast. Investing is a process, not a lottery ticket, and that you have to be in it for the long run. Deep down, they are simply lazy when it comes to investing money.
SAVERS… focus on yield, short term, timing, one-time investor, gamble…
INVESTORS… focus on achieving investment goals…
• Investing is not just making your money help you make money.
• Investing is a continuing process – money cost averaging, assets allocation, diversification – not gambling.
• It’s not all about investing, your attitude is more important. Bigger issue is not to earn more but to save more. Develop a habit first!

I am a college graduate(Electrical Engineering). I want to invest, how can I start?and Where?what is the first step to invest?

@Herson,

Mutual funds is the best education you can get with investing. Its the simplest form and you could leverage the knowledge on other fields of investing, stocks, currencies and commodities. The first step would be to look for a mutual fund company on our list of top performers http://mutualfundsphilippines.net/mutual-funds-performance/ and contacting them. Ask them about the minimum investment and succeeding investment. That should probably keep you going in the right direction.

@Dee
Robert Kiyosaki’s book is a great book. It teaches you the mind set of being an investor. However, he doesn’t advocate mutual funds much because he likes his investing to be risky. Good book though, I personally read it many times.

i’m an ofw here at qatar,is it possible also for me to invest in mutual fund in the philippines?how and what are the requirements? thanks!

It is the best idea to invest in equities. Provided you know what you are doing. Balanced funds have management fees and as an investor, if you already know how to invest in equities, why make other people handle your money if you can do it yourself? You don’t want unnecessary expenses (management fees)