RCBC Savings. Usually Savings banks offer higher than commercial banks. They offer rates around +/-3% annual depende sa laki ng deposit mo. Kunin mo lagi yung 30 day revolving. Mas malaki kikitain mo.

Also go for banks na madalas mong mapupuntahan para madali kang makapag update

hey Eloisa! THanks for taking the time to respond ha. STill trying best way to earn from money that's just in the bank kasi. I got one that's locked for 5 years in Security bank just becoz they have tax exemptions when it's that long. ano yung 30 day revolving?

Will also check RCBC Savings though sana may malapit na bank sa akin. For secuirty bank, have to go all the way to emerald in ortigas

Security Bank USD TD. Hindi ko kabisado yung rate dahil si misis ang nag-place pero alam ko mababa

ay hahaha wala akong USD. Peso TD yung in-open ko but I'm planning on getting another one for husband para naman sa college fund ni #grumpybaby

I just a call lang din kasi from our Metrobank account branch manager requesting meeting eh lagi na lang tumatawag so i said yes para tapos na

<--- push over

tapos when i asked her anong products ba i-ooffer niya, asked her about their TD kasi yung lang yung comfortable ako to money-builder dahil conservative saver ako

I just want to find ways to grow money ng safe kasi may savings yung mga kids and that money will just be sleeping in the bank for the next 10 years

or 15 years before they go off to college

wala akong alam sa stocks

Ang time deposit, pang park lang ng nest eggs. Kung gusto mo ng investment, mutual fund ka or one of those special premier funds na one time placement. Mas malaki potential returns, pero bigger risk din. Kung gusto mo sigurado na mas malaki tubo, maybe consider one of those educational investment plans

My brother got for his kids. Panalong panalo sila when he passed away because of the insurance provisions. And even if he didn't, we computed nag forced savings sya for college and 4-6% modest return on investment. Kaysa tulog lang sa bank

i have investments on mutual fund via sunlife & bpi philam pero hindi ko siya masyadong naiintidihan. i have it becoz advised to get one. takot ako sa big risk investments but had the BPI philam on aggressive mode. pero siya lang

what educational investment plan was it? via bank? may i know so i can inquire about it

meron sa sunlife. pero better yan pag zero age mga anak mo

pero ok pa until 10 sila

kung gusto mong sigurado na medyo higher yielding sa banks, and earmarked for your children's education, mag T-bills ka na lang

maganda na naman spread mo

I did with Bdo and BPI before. La nang td ang bpi. Boo sucks so inalis ko TD ko. I might switch to security bank

Thanks for the info eloisa , BDO has a proposal for T- bills. I've also been reading in Reddit and just discovered BDOs LTNCD which offers daw around 4% interest. Might look into that. Letseng inflation, have to keep us para walang loss

dementia ang baba ng TD ng BPI. I talked with my FA and told them Security Bank offers 4.6% interest, di nila kaya daw tapatan. When I also told BDO manager about that kasi kumuha ako ng pera for SB TD, di rin nila matapatan and they're offering another product instead.

Taas ng offer ng Security Bank ha for RD. 2-3% lang going rate ngayon

Remember I asked your Mom before where I can grow money for the babies and she said, yours were put in TD but it used to 7-8% interest or even more before so talagang malaki yung growth. Baka naman you have advice or ideas where else okay since your mom was able to set-up for you

Idol ko si Tita.

eloisa RD?

I went a week ago coz I was gonna open another one for Cesca and I saw online it was 5% but when i spoke to the Accounts there, it was at 4.5% so hold muna sabi ko, sayang yung .5%

been monitoring and this week it went back up to 5% unfortunately, di makaalis ng office si Jeb and I was supposed to put it under his name

Yesterday, metrobank branch manager called me to set up meeting. Brought up TD na offer ng security bank, di rin nila matapatan. SHe then said na the high interest on TDs will go down soon so dapat ngayon na ang time to lock 5-7 years before it goes down to 1.5% like the rest of the other banks

TD. Sorry

di ba lang? nagulat din ako it was that high. When I asked about that sa knaila, di din nila alam na ang taas pala ng offer nila compared to other banks

isipin mo sa SA , yung 1M mo only gets 5K a year when in TD, you can get 46K

Floating lahat ng pera ko atm except investments ko sa sunlife. Ipapasok ko pa lang Sa security bank TD yung inalis ko. Wala na akong money being handled by mom

Nakakatakot mag invest sa stocks and MF

yep, can't do STocks & MF on my own. Just got a BPI Philam dahil ang kulit ng BPI FA but I just found out hindi magandang investment talaga ang VUL. Dapt separate daw andg insurance from investments talaga. Tenth year namin sa SunLife tapos rethinking kung magbabayd pa ulit kami next year kasi hinid naman mataas yung gains niya

baka we'll just let the earnings of that pay for the next 8-9 years of insurance coverage but still researching options

hirap ng wala masyadong alam sa mga investments

let me know if you find a better option or product na mas okay interest rates ha dementia

I asked BDO earlier, sabi nila T-bills but they can only guarantee 3.6% interest for 5 year lock but tax deductible pa

mas mataas pa din yung Secuirty bank TD

Wala akong alam sa investments except sa recommendations ng friends din. Di ko pa maasikaso sec bank. Kukuha kasi ako ng Medical insurance and mahal yun pero naglalabasan na mga sakit ko and Mas needed yun kesa TD