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  1. J

    Loan to invest in Term Deposit

    @danaross67 Pinapahirapan mo sarili mo e wala ka nman kikitain dahil difference e 0.20% tapos after mo magbayad ng fees kakainin pa yan. May tinatawag din na EIR interest, ito yung totoong interest (totality) so mas mataas yan in reality ... so lugi ka pa. Tangang move to.
  2. J

    SMC Preferred Shares (SMC2L, SMC2N, SMC2O)

    @paddymcginty It is good ... kaso we have MP2. So parang wla din advantage lalo na if you do not have a lot of money.
  3. J

    Tempting RTB30 but I’m hesitant

    @jerry95 No, RTBs are guaranteed unless the Republic of Philippines collapses 🤣 and that includes all banks of course alangan nmang di kasama mga private banks if magcollapse country (masyado ka naman negative and pessimistic in the coming 5 years). Pag-IBIG MP2 last dividend was 7%, we are...
  4. J

    Inherited Land

    @vineyardworker They are the priority IF THEY ARE ALREADY OCCUPYING THE SPACE. Again, "the priority' and NOT THE ONLY OPTION. Also the law is not there to be abused, 50% discount is too much and no such law for such a big discount. Kupal na sibling definitely. If I were you just sell it to...
  5. J

    Q: For those investing in US Equity Funds for retirement, did you also factor in USD to PHP exchange rates down the line? What’s your outlook on this?

    @nickoala It is hard to say the future exchange rate. But most probably (obviously) the USD will continue to go up against the peso.
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