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Author Topic: High Watermark by BPI-Philam - any opinion on this?  (Read 11008 times)

Offline charnel

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Re: High Watermark by BPI-Philam - any opinion on this?
« Reply #30 on: Sep 21, 2010, 04:51 PM »
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  • HWM experience....please check and read carefully, not sure about maxyield kasi sa HWM prime yield its payable for 10 years tapos vul type pala sya kasi not all the premium will be  invested.certain percentage will be sliced from your premium...please check lahat ng details kahit maliliit ang pagkasulat pagtiyagaan na basahin.

    Offline gagai

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #31 on: Feb 11, 2011, 10:51 AM »
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  • talking of bankruptcy.. I really don't think that it will come a time that this two GIANT financial institution will declare bankruptcy. In the first place, you are not buying a BANK PRODUCT. This is an INSURANCE product. Put also in your mind that this is not a PRE-NEED insurance. Does MAXYIELD promise to give you x5 of your investment? Hindi bah wala.. what it promised is WHATEVER the HIGHEST NAVPU achieve for the span of 10 years will be the basis of earning of what you have invested. There is also what we so called INVESTMENT STRATEGY on the first five years it will be invested into bonds and last 5 years into stocks. Your investments will be diversified into GLOBAL EQUITIES, BONDS and INFLATION HEDGE FIXED INCOME INSTRUMENTS.

    Offline bauer

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #32 on: Feb 11, 2011, 01:44 PM »
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  • gagai,

    study first the things that you are saying here in this thread.  financial ignorance is too blatant in your statement.

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #32 on: Feb 11, 2011, 01:44 PM »


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    Offline ikaela

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #33 on: Jul 16, 2011, 02:50 PM »
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  • Anyone has any updates on BPI's Max Yield product? Or Philamlife, if you got it from Philamlife, it doesn't matter.

    They're offering it again, for the 2011-2021 bracket this time.

    Anyone from the 2009-2019 bracket who can give some feedback on this investment's performance?

    Offline ferrariEverest

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #34 on: Jul 19, 2011, 11:33 AM »
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  • ian.mancilla
    are you working for bpi-philam? barclays?
    i have an insurance with Philam and they failed to keep their promise that i will just pay in 9 years only.  I'm now in my 12th year of payment.  
    i have an investment fund with BPI and they failed on their promise that my funds will be invested in global equities.
    ano nangyari dun sa  Philam insurance? bakit na-extend?
    which BPI investment fund yan?
    ok lang if u prefer to PM me your reply.
    thanks!
    What would you attempt to do if you knew you could not fail? - Robert Schuller Don't limit your challenges - challenge your limits.

    Offline bauer

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #35 on: Jul 19, 2011, 02:43 PM »
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  • sa philam yung life insurance ko pala na binigay ng agent ay hindi fixed payment period, late ko na na realize na 'tentative' lang pala yung period at self liquidating lang siya kung ang kita sa mga previous payments ko exceeded the total payments that i made.  too young during that time, im not yet financially literate then kaya im sharing my own experience to readers here so that they will avoid the 'pitfalls' in insurance marketing.

    sa bpi naman, i invested in their global equity fund (UITF) ito.
    in the prospectus, the funds were promised to be invested in global equities.
    after i invested on it, i discovered the 'big limitation' of bpi in managing the funds.  so i pulled out after more than 2 years.

    Offline butuan_888

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #36 on: Jul 19, 2011, 03:44 PM »
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  • Anyone has any updates on BPI's Max Yield product? Or Philamlife, if you got it from Philamlife, it doesn't matter.

    They're offering it again, for the 2011-2021 bracket this time.

    Anyone from the 2009-2019 bracket who can give some feedback on this investment's performance?

    BPI-Philam (former Ayala Life) still offers their best selling dollar denominated VUL invested in a cross section of global mutual funds.....

    One setback though for dollar denominated investments is : Aside from market risk (volatility / fluctuations in value).... there is also Exchange Rate risk.  

    I purchased units last 2009 when peso-Dollar rate was at 46 peso to 1 dollar then.... Now the dollar is down to 42+/-

    by taking the investment time frame of Prime Yield / Max Yield which is 10 years

    if dollar trends follows its present downhill value.....I am worried my dollar value after 10 years might negate the gains of my investment

    However, Max Yield (BPI-Philam) / Prime Yield (Philam Life) offer the HWM...wherein the maturity fund value shall be locked in to the highest NAVP achieved during the funds lifetime

    « Last Edit: Jul 19, 2011, 03:46 PM by butuan_888 »

    Offline mxherr5

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #37 on: Jul 19, 2011, 04:47 PM »
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  • @bauer, when you say "big limitation" are you referring to
    the bpi fund's performance?

    I think there are 2 bpi fund managers though.
    The one handling their UITFs are...well, not so good hehe

    But their mutual funds are doing good.
    The rep I spoke with about AFLM Growth Fund did
    say that they're a separate department

    Offline disturbed

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #38 on: Jul 19, 2011, 06:13 PM »
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  • @bauer, when you say "big limitation" are you referring to
    the bpi fund's performance?

    I think there are 2 bpi fund managers though.
    The one handling their UITFs are...well, not so good hehe

    But their mutual funds are doing good.
    The rep I spoke with about AFLM Growth Fund did
    say that they're a separate department

    yeah not so good ung mga humahawak sa UITFs ng BPI!

    Offline Decoder

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #39 on: Jul 20, 2011, 10:26 AM »
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  •  :D siguro depends din sa agent ng PhilAM na maeencounter nyo

    i was also been offered an "investment + insurance" from PhilAm pro im happy kasi they advised me to wait and will inform me in the future when to start... REASON: the per share of mutual funds are still HIGH ... so for me this agent is NOT just after my money.

    Regarding investment units and mutual funds from the BPI, I compared it other IUTF and MF pro medyo mababa nga.

    BTW i have MF from PhilAm funds and from Php 30,000 (3 years ago) its now Php 42,000 so im happy anyway if i put it to 3% TD it will only earn just almost 3k.

     :D Wla pa me money so far pro if meron yeah ill put some again to PhilAm funds BUT i really want to try to invest to BPI kasi i love this bank... lots of branches... and i have one just a few steps away from my home and office.

    Offline bauer

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #40 on: Jul 21, 2011, 09:55 PM »
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  • Mxherr5,

    My big limitation pertains not so much on fund performance because it is an equity fund so I expected that it is too volatile.  My concern is bpi's limited knowledge and control on the funds which concerns me a lot because it is a fundamental part of their operation.

    Offline mxherr5

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #41 on: Jul 22, 2011, 06:56 AM »
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  • What made you say that BPI has limited knowledge?
    Is it because of their commentaries in their reports?
    It shows lack of knowledge?

    And they lack control on their funds? What do you mean?

    Offline Rothschild

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #42 on: Aug 30, 2011, 06:49 PM »
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  • What made you say that BPI has limited knowledge?
    Is it because of their commentaries in their reports?
    It shows lack of knowledge?

    And they lack control on their funds? What do you mean?
    I believe BPI dont have limited knowledge, in fact they are smart ..meaning they outsmart their own investors-clients.. If the fund they manage earns 15% per annum ay mga 5% per annum lang ang ibibigay nila sa clients nila...
    Give me control of a nation's money and I care not who makes the laws.

    Offline mxherr5

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #43 on: Aug 31, 2011, 07:08 AM »
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  • Hahaha, if you look at it that way then they are geniuses.
    And they have to be so they survive =p


    Offline Rothschild

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #44 on: Aug 31, 2011, 10:18 AM »
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  • Hahaha, if you look at it that way then they are geniuses.
    And they have to be so they survive =p


    THAT IS WHY DONT INVEST ON BPI-PHILAM Products kasi its NOT PROFITABLE!!! ang nagsasabi lang na ok yan ay yung mga agents.. ask them for proof kung sila mismo ay bumili ng products nila at sasabihin  nila ay hindi..kung meron man ay konti lang para wag lang na masabi na di sila bumili..TAKE NOTE kung talagang profitable yang mga products na yan dapat they ARE WILLING to  invest a huge amount of their own money to buy their products di ba? Hehe
    Give me control of a nation's money and I care not who makes the laws.

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    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #44 on: Aug 31, 2011, 10:18 AM »
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