Mutual Fund vs UITF Similarities Differences: Advantages Disadvantages (2024)

In my opinion, election years are a good time to invest:

#1. If you wait until the turmoil of alleged uncertainty is over…When that is, I cannot tell you, it is subjective and a gamble, but I do guess below.

#2. And, sort of the same thing said, with different words, everything has come down…and is done coming down..Again, when, is a tough one.

The thing about an election year, OVER SIMPLIFYING IT, is, it is nothing ore than another world event, so it is no different than let’s say, China, devaluating its currency, the stock market, and its fake sudden drops, or weak knees, the US Federal Reserve, adjusting rates up or down, or even just saying it in the news…Remember August 24th? Then there is gold, or oil, dropping…It is all silly excuses and okay, facts, which affect the market, which means, it affects us little guys..

I cannot stress this enough…Every year, you will have drama in the market…The only difference is, where are you when it hits, or drops? And how serious, or how dramatic the news media makes it out to be

Volatility in the market, reflects human excuses about world events…Even though most of the people in the market are men, they act like a bunch of silly school girls breaking the hearts of pimply faced boys who soon learn to break the hearts of girls…Tit-for-Tate

What I am saying is, we are all at the mercy of people, other investors, who just not care about your future..Not one darn thing…I watch Bloomberg TV, each and every morning from 430 am until I take my walk and they interview some of the nicest and richest people you will ever meet in the world…But they lie, because they talk about long term investing, 10 year corporate planning, security, safety, employees need higher wages, bla bla.

>>>>>>>>>>>>>>>>>>>>>>>>>>>> ALL BS >>>>>>>>>>>>>>>>>>>>>>>>.>>>>>

Now you guys tell me…If this was true, why do the trends for the stock markets all over the world and UITF’s in the Philippines

#1. Drop like a rock, just before the USA Thanksgiving holiday?

#2. Goes back up, some, until around the 10th to the 19 of December?

#3 Why does it tank, in January?

#4. Why does it rise like crazy, most of the time, only to drop in early March?

To name a few? How is this, long term investing, futures, company and employees caring? It is called flipping, and you need to learn how to do it…It is the only way to get your money to compound the money earned, and earn money on that money earned

If you not flip, they will, and cause your money to do down…Again

It is the new technological form of insider trading called flipping based on algorithms, the same computer date, or mega-data, metadata, computations that Google uses to predict your every move, with a great degree of accuracy

WIKIPEDIA SAYS:

An algorithm is an effective method that can be expressed within a finite amount of space and time and in a well-defined formal language for calculating a function.

Starting from an initial state and initial input the instructions describe a computation that, when executed, proceeds through a finite number of well-defined successive states, eventually producing “output” and terminating at a final ending state.

This means, that the trends of long ago, are recreated, once again, today and in the future…Yes, world events affect the market also, but so do direct human contact

In closing, it is a great time to invest, if you not mind seeing your stocks or UITF go down more, before they will go up, because it will not settle, in the dust of the elections, until the new sitting presidents, in both the USA and the Philippines, give their state of the union addresses about the first 100 days and what they plan to do about healthcare, inflation, banking regulations and bla bla bla

But please understand…If the market tanks to absolute nothing, it is either:

#1. Armageddon, and money will have no value, anyways, not even gold

Or

#2. It will go up again, as it did in 1932, 2008, and 2011

The ultimate choice is yours..

Do your homework, follow the 60/40 rule, or at worst the 70/30 meaning sit on some cash, buy as low as you can and sell as high as you can and OMG don’t panic

Miss Fehl? Anything to add or take away?

Reply

Mutual Fund vs UITF Similarities Differences: Advantages Disadvantages (2024)

FAQs

Mutual Fund vs UITF Similarities Differences: Advantages Disadvantages? ›

The two are both collective investment programs, but mutual funds are offered to the public by investment companies, while UITFs are product offerings of banks. Mutual funds and UITFs both use marked-to-market valuation, wherein the investment portfolio is valued using the market prices of each asset owned.

What are the similarities between mutual funds and UITF? ›

Mutual funds, like UITFs, pool money from multiple investors to allocate capital in various assets such as money market securities, government securities, stocks, and more.

What are 3 advantages and 3 disadvantages of investing in mutual funds rather than stocks or bonds directly? ›

Some of the advantages of mutual funds include advanced portfolio management, dividend reinvestment, risk reduction, convenience, and fair pricing, while disadvantages include high expense ratios and sales charges, management abuses, tax inefficiency, and poor trade execution.

What are the similarities and differences between mutual funds and ETFs? ›

How are ETFs and mutual funds different? How are they managed? While they can be actively or passively managed by fund managers, most ETFs are passive investments pegged to the performance of a particular index. Mutual funds come in both active and indexed varieties, but most are actively managed.

What are the similarities and differences between mutual funds and hedge funds? ›

Mutual funds are regulated investment products offered to the public and available for daily trading. Hedge funds are private investments that are only available to accredited investors. Hedge funds are known for using higher-risk investing strategies with the goal of achieving higher returns for their investors.

What is the difference between mutual funds and UITF? ›

UITFs and MFs are similar in nature but are technically different products. Subtle differences include the following: UITFs are usually managed by Banks/Trust Corporations, while MFs are managed by insurance companies/fund houses.

What is the difference between mutual funds and UITFs? ›

The two are both collective investment programs, but mutual funds are offered to the public by investment companies, while UITFs are product offerings of banks. Mutual funds and UITFs both use marked-to-market valuation, wherein the investment portfolio is valued using the market prices of each asset owned.

What are mutual funds' advantages and disadvantages? ›

Mutual funds offer liquidity, diversification, and expert management. Investors can enjoy cost-efficiency, tax benefits, and safety through systematic or one-time investments. However, drawbacks include high management costs, exit loads, and dilution of profits due to excessive diversification.

What are two advantages and disadvantages of mutual funds? ›

Mutual funds have pros and cons like any other investment. One selling point is that they allow you to hold a variety of assets in a single fund. They also have the potential for higher-than-average returns. However, some mutual funds have steep fees and initial buy-ins.

What are mutual fund pros and cons? ›

Mutual funds allow investors to dollar-cost average over time and reinvest dividends, enabling compound growth. However, taxes on capital gains distributions and dividends can make them less tax-efficient. While mutual funds provide diversification, they still carry market risk based on the underlying securities.

What are the similarities between mutual funds and ETFs? ›

The biggest similarity between ETFs (exchange-traded funds) and mutual funds is that they both represent professionally managed collections (or "baskets") of individual stocks or bonds.

What are 3 differences between mutual funds and ETFs? ›

Mutual funds and ETFs may hold stocks, bonds, or commodities. Both can track indexes, but ETFs tend to be more cost-effective and liquid since they trade on exchanges like shares of stock. Mutual funds can offer active management and greater regulatory oversight at a higher cost and only allow transactions once daily.

What are the similarities between stocks and mutual funds? ›

Stocks represent shares in individual companies while mutual funds can include hundreds — or even thousands — of stocks, bonds or other assets. You don't have to choose one or the other, though. Mutual funds and stocks can both be used in a portfolio to help you grow your wealth and meet your financial goals.

What are the benefits of a mutual fund? ›

Liquidity: Mutual funds are highly liquid investments, which means that investors can easily buy and sell their units at any time. Tax Benefits: Mutual funds offer tax benefits to investors. For example, in general long-term capital gains from mutual funds are taxed at a lower rate than short-term capital gains.

What are the differences between mutual funds? ›

Index funds offer market returns at lower costs, while active mutual funds aim for higher returns through skilled management that often comes at a higher price. When deciding between index or actively managed mutual fund investing, investors should consider costs, time horizons, and risk appetite.

What are the similarities between mutual funds and hedge funds? ›

Mutual Fund Similarities. Both hedge funds and mutual funds have pooled investments. As a result, pooled money from every investor purchases the securities and assets in each fund. Also, they both offer diversification because they invest in different types of asset classes.

What is the similarity of a mutual fund and a unit investment trust fund? ›

UITS are similar to both open-ended and closed-end mutual funds in that they all consist of collective investments in which many investors combine their funds to be managed by a portfolio manager.

What are the similarities and differences between stocks and bonds investments? ›

The biggest difference between stocks and bonds is that with stocks, you own a small portion of a company, whereas with bonds, you loan a company or government money. Another difference is how they make money: stocks must grow in resale value, while bonds pay fixed interest over time.

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