Where is it best to invest?

It's good to hear that Filipinos are now gaining confidence again in investing to these types of investments. But first be sure to invest in companies that has a good foundation. And try to talk to agents of these companies. I think Sun Life, Manulife, and Philam are good companies. Though, I just read from the news this morning that AIG (mother company of Philam) is having problems in their financials. I have an educational plan in prudential life and I have a pension plan in Philam.

hi oyenkai =) i share the same plan with you..a close friend of mine is already investing in Manulife's insurance plans i just don't know what type or if they have any..what i just know is that she's automatically been deducted from her salary an amount of Php1250 monthly. This will run for upto 10 years and if at any moment she'll die, her family gets automatically gets 500k. THen if she reaches senior citizenship without having deducted any amount from it, she could get 2.5M. i am still thinking when will enroll in something like this. really worth it =) so that's all i know, hope it helped. nice discussion you got here, i hope this will be a very productive one. cheers!

First and foremost, in investing in a pre-need plan, the first thing in my mind is the stability of the company before anything else since we're dealing with them for a long period of time. In your case, both Manulife and Philam are well respected companies. I have my pension and life plan purchased with Manulife and so far I still have 2 years more to finish my life plan. Since you already talked with your agent, you can compare and weigh which plans are best suited to you in terms of endownment.

Hi there oyenkai! I suggest that you get the services of a financial advisor. A pension plan is a good way of investing for your future. Do not limit your choices to two companies. Try to seek information from as many dependable companies. If you still have extra funds to invest, I suggest that you invest it in mutual funds also. This is one of the best investment media today. Good luck!

hi dear better consult some investment adviser at your place!! though i am sure pension planning at early age is undoubtedly a good decision!!

Investment is a tricky subject at the moment ,I am sure there is a great deal of unrest in the investment quarters,as you know the large American bank Lehmans crashed yesterday,making the economy even more fragile.I was listening to a party political broadcast last night,and the Liberal democrats.UK were talking about the housing crisis in this country,we have many thousands of young couples unable to gain access to a mortgage to purchase their first home,therefore many are having to turn to renting instead,the Liberal democrats spoke of trying to take the accent off of people using property as an investment ,that people should look upon their homes as their homes,and not plough any savings they may need to invest into bricks and mortar.I could see that they were trying to say that people were buying property instead of investing their money in pension schemes.I have a private pension,not a huge one,but it hasnt grown very well,and im sure that many people are wary of investing any money at all with anyone as everytihng seems to be crashing around everyones ears.The look on the faces of the staff of Lehmans coming out of their last day at work yesterday said it all.

you can also invest in share market. here your profit will grow rapidly than pansion plan.by the way do you yse rapidshare to download?

investing in a pension plan is not good choice (for me) coz the roi (return of invesment) is too long. but that was your choice, the only advice that i can give is dont put all your money in one basket, try too invest in a business that has has faster roi.

hi oyenkai, if u r getting afreaid of invt in equite shares,then sent me the amt u want to invested,i will pay u 10 time after 5yrs without fail.i indian promise u. anil

hi oyenkai, i think u must invt in eqity shares where u can find 10 or more times within 5 yrs of yr life.This is my open challange to get more & more after 5yrs. anil

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