Friday, September 14, 2007

Gambling on Mutual Funds (UITF)

A MUTUAL FUND is a pool of assets managed by an investment company engaged in buying and selling securities on a regular basis - commonly banks or other financial services firms. These banks/firms have team of financial analyst/consultants who act as brokers in buying and selling stocks or other marketable securities in behalf of the fund. The "FUND" of course is from various investors/depositors who gets a certificate of unit of investment based on the Net Asset Value (NAV) per unit of the fund as of investment date. The NAV per unit is based on fund performance and on the stock market in general. The fund managers decide on which security and when to invest.

So, if today you invested in a mutual fund, your share of that fund will be computed simply as follows: Assuming the value of Total Fund today is Php90, you invested Php10 making the Total Fund Php100. Say the NAV today is Php5/unit. So, as of investment date, the fund has 20 units of investment and you own 10% or 2 units. If next month the stock market went up, that will surely drive the NAV up! Say it went up to Php10/unit, you now have Php20 from Php10 in just one month. In the same way, you can totally loose your money if the stock market plunged to its lowest. And these investments are not covered by PDIC.

This explains the financial wealth of stock brokers/ analysts/ consultants. They manage funds, not their own money, and get big commissions from big time gainers. They understand the market and can read and make good decisions out of market indicators.

I actually tried investing and lost Php 30,ooo as of today. Its now 3 months old. What i did not know when i put the investment was that the Philippine stock market is reaching its record high (in June 2007)! Which only means i will only realize gain when the stock market will reach a new record high. Tsk tsk. Gambling.

36 comments:

deuts said...

nyaks! you afford to lose P30,000? Bigtime Edwin!!!

TruBlue said...

As little boy in the 60's, my late dad and uncle would go to Session Road next to Session Theatre. There was this place where they would check on their stocks. Fast forward in 1998, my late uncle's daughter showed me how the stock market works for hours! Honestly, I never understood a thing. Few months later, found out she and husband lost close to half-million pesos. The only thing about this scenario is that both their boys are out of college and quite well-off. Like you said, aahhh life is also a gamble.
Well, hope you will recover some of that amount. Cheers!

edwin said...

deuts, ofcourse not.. that's as of last week and i am hoping to recover or gain something someday.. i know it will happen this year haha! if its break even at year-end then i'll just pull it back.. at least i gained EXPERIENCE hehe..

trublue, thanks. thats the Coyiuto securities in session road. years ago i always ask myself whats going on inside whenever i pass by. it gets busy every 3pm.

that half million is a lot of money! the question is, where did it go? hehe i cant even answer myself in my case. cheers!

marky said...

hayz..wrong move..also planning to invest in mutual funds..but decided to invest the money to open a computer shop..our feasib says that my 750k investment will be recouped in about 6 months..hopefully we meet the target..anyway the feasib was quite conservative..so were really expecting to exceed our initial targets..hayz..pera..

Bill Bilig said...

Yaiks, sayang yung inyong 30k. Sana ipinautang mo na lang sana sa akin hehe. I read somewhere that one can now invest in the stock market through the internet so one does not have to have a stockbroker. I don't know the site to go to though :-)

edwin said...

just to update guys.. my UITF jumped by 80 points cutting my loss down to 15k! hehe.. malapit na mabawi.

marky, welcome to my blog! wow thats a good start. if only i have the guts to let go of my "career" and start a full time business..

hi bill, if i only knew hehe. yup i've heard of the online investing but i dont think it will work dito sa pinas.. wala pa yata. for sure investors wont trust such system. and unlike in the US, its hard to catch and prosecute cyber criminals..

tubbykat said...

hi edwin, i've also invested in Mutual Funds and the Stock Market, and I was a bit lucky coz when I invested in MF, the NAV was still a bit low, so I earned a wee bit from that. But the trick with MFs kasi, once you gain a little, shift it to another fund (like Bond or Money Market) which is less volatile, but the gains are also quite minimal. When the NAV of your preferred fund hits an all time low (like now), then shift it to that fund so when it hits an all time high, you get something out of it as well ;). My stocks are all down now, unfortunately, due to the subprime crisis in the US. Hopefully I ROI when the PSEi hits 4200 this June 2008 based on projections from brokers and investment houses. I'm not sure if UITFs allow fund-shifting, but my MF in Sunlife allows four (4) free fund shifting each policy year. You might want to check that out also ;) But just hang in there til mid-2008, hopefully we all make truckloads of moolah by then :D

SoNn said...

hi edwin, you can also try to lower the cost of your investment by placing additional investments. This is so you can recover your investment s at an earlier time should you need it.

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Good for people to know.

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