Investment Advice

**misseksaherada** · August 27th, 2021 11:22 AM

Mga Sir / Ma'am..
Baka po may YT video kayo na madali intindihin about "Morgan Stanley At Work"..
Yung ala "for Idiots" / "for Dummies" po na style.. Pang-zero knowledge po na madaling ma-grasp yung terms and values po kung para saan..

Thank you po..

Workplace Financial Solutions | Morgan Stanley At Work

**uls** · August 27th, 2021 12:03 PM

Originally Posted by misseksaherada

Mga Sir / Ma'am..
Baka po may YT video kayo na madali intindihin about "Morgan Stanley At Work"..
Yung ala "for Idiots" / "for Dummies" po na style.. Pang-zero knowledge po na madaling ma-grasp yung terms and values po kung para saan..

Thank you po..

mautak talaga tong mga US investment bank

not satisfied with the money of high net worth individuals

now they're after the money of employees

**papi smith** · September 14th, 2021 05:53 PM

I got curious with Tonik's 6% interest, so I registered, only to find out na may 250 withdrawal fee pala ito sa ATM. Plus I am not familiar with the owners, parang start up lang ang dating, though PDIC covered naman. Nadala kasi ako ng nababasa ko kay Miss Eks na CIMB ata yun na 4% at free ATM withdrawal anywhere.

**ray_noel** · September 14th, 2021 07:31 PM

Originally Posted by papi smith

I got curious with Tonik's 6% interest, so I registered, only to find out na may 250 withdrawal fee pala ito sa ATM. Plus I am not familiar with the owners, parang start up lang ang dating, though PDIC covered naman. Nadala kasi ako ng nababasa ko kay Miss Eks na CIMB ata yun na 4% at free ATM withdrawal anywhere.

And bakit hindi sa CIMB ? Hehehe…

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**hinlog** · September 14th, 2021 07:42 PM

Check your insurer and if your policy is still eligible to what they call PDF. It is an optional rider though free and let your excess payment earns interest. Last time I checked tis 2pct++ net of taxes for PHP policy, not sure on USD. Withdrawable anytime, no min amount required afaik.

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**papi smith** · September 14th, 2021 08:32 PM

Originally Posted by ray_noel

And bakit hindi sa CIMB ? Hehehe…

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I will check on this din later bro, pero at the moment, if 4% lang, I'd rather buy preferred shares, mas long term pa or even PLDT (TEL) which is giving 5% net as of today's price, and REITS 4%

**papi smith** · September 14th, 2021 08:39 PM

Originally Posted by hinlog

Check your insurer and if your policy is still eligible to what they call PDF. It is an optional rider though free and let your excess payment earns interest. Last time I checked tis 2pct++ net of taxes for PHP policy, not sure on USD. Withdrawable anytime, no min amount required afaik.

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Thanks bro, I have what I think they call whole life, when I bought it, the going 5 year TD rate was 9%, so I was very optimistic that I will get a big pay out when it matures, but then interest rates fell, 2% on excess payments is generous.

**hinlog** · September 14th, 2021 10:52 PM

Originally Posted by papi smith

Thanks bro, I have what I think they call whole life, when I bought it, the going 5 year TD rate was 9%, so I was very optimistic that I will get a big pay out when it matures, but then interest rates fell, 2% on excess payments is generous.

Just a guess that you might be referring instead to an endowment type of life insurance policy. Sales Illustrations provides you different scenarios of policy cash values, look for the lowest one hehe...

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**papi smith** · September 15th, 2021 04:01 AM

Yes, I guess that's what it is called, thanks!

**misseksaherada** · September 15th, 2021 08:10 AM

Originally Posted by papi smith

I got curious with Tonik's 6% interest, so I registered, only to find out na may 250 withdrawal fee pala ito sa ATM. Plus I am not familiar with the owners, parang start up lang ang dating, though PDIC covered naman. Nadala kasi ako ng nababasa ko kay Miss Eks na CIMB ata yun na 4% at free ATM withdrawal anywhere.

Kahapon lang Sir Papi ini-encourage ko mga friends ko mag simula na sa CIMB.. Sayang kasi lalo na kung ipon lang na hindi naman ginagalaw.. Yung fund transfer pa from CIMB to CIMB merong special interest rate.. Nag-send nga din ako feedback sa CIMB kasi hindi ko mahanap yung PDIC info sa mobile app nila, binigay ko sample yung sa ING..
Sa ING naman, meron summary ng total interest nung account.. Sobrang layo sa ibang deposit accounts ko na halos same lang naman din ng laman.. Sobrang barya, may service fee pa pag mag-withdraw..
Both CIMB and ING any ATMs walang service fee ang withdrawal pati Fund Transfer sa ibang banks, free din..