ang mutual fund ba yan ung nakikita ko sa tv na UITF. may risk din ba pag linagay ko pera ko sir?
Mutual Funds and UITF's are almost the same except for some technicalities which, I believe, is better explained by a professional financial adviser.
In every investment there is always risks. Hindi mo maiiwasan yun. Even sa mutual fund or UITF, kung yung fund na pinili mo is an equity fund meaning invested sya sa stock market, then you assume the risks of the stock market. Ang safety mo lang dun is that pag sa mutual fund ka naglagay ng pera, your money will be manage by professionals who actually know what they are doing. Unlike pag ikaw mismo ang pumasok sa stock market tapos hindi mo naman alam kung anong ginagawa mo.
Stocks or "equity" ang pinaka mataas ang risk pero pinakamalaki rin ang returns. Kung gusto mo relatively safe, sa "Bonds" ka mag invest pero maliit nga lang ang kita tska usually matagal ang holding period. Meron din namang tinatawag na "balance fund" where in kalahati invested sa high risk investments like equities then yung kalahati sa bonds so the risk is mitigated.