PMT Forum


Search PinoyMoneyTalk.com and PMT Forum

Shortcut to PMT Forum topics!

Click LIKE, TWEET or +1 to earn PMT Badges!

Author Topic: High Watermark by BPI-Philam - any opinion on this?  (Read 10993 times)

Offline charnel

  • Probie
  • *
    • Awards
Re: High Watermark by BPI-Philam - any opinion on this?
« Reply #30 on: Sep 21, 2010, 04:51 PM »
  • Publish
  • 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

    • Newbie
    • *
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #31 on: Feb 11, 2011, 10:51 AM »
  • Publish
  • 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

    • VIP Member
    • *
    • Awards Member of the Month PMT Lounge Addict Banking and Insurance Boss Investments Idol PSE Stock Trader Real Estate Mogul Member since 2008 Stocks Wizard
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #32 on: Feb 11, 2011, 01:44 PM »
  • Publish
  • gagai,

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

    PMT Forum

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


    * * * * * sponsored links * * * * *

    Online ikaela

    • Senior Member
    • **
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #33 on: Jul 16, 2011, 02:50 PM »
  • Publish
  • 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

    • VIP Member
    • *
    • Gender: Male
    • Health, wellness & wealth;Financial & Time Freedom
    • Awards Business Tycoon MLM Leader Food and Health Expert Real Estate Mogul Member since 2007 PMT Lounge Addict Banking and Insurance Boss Investments Idol Stocks Wizard Forex Master Chikador / Chikadora
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #34 on: Jul 19, 2011, 11:33 AM »
  • Publish
  • 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

    • VIP Member
    • *
    • Awards Member of the Month PMT Lounge Addict Banking and Insurance Boss Investments Idol PSE Stock Trader Real Estate Mogul Member since 2008 Stocks Wizard
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #35 on: Jul 19, 2011, 02:43 PM »
  • Publish
  • 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

    • Junior Member
    • *
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #36 on: Jul 19, 2011, 03:44 PM »
  • Publish
  • 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

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #37 on: Jul 19, 2011, 04:47 PM »
  • Publish
  • @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

    • Posting Specialist
    • **
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #38 on: Jul 19, 2011, 06:13 PM »
  • Publish
  • @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

    • Probie
    • *
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #39 on: Jul 20, 2011, 10:26 AM »
  • Publish
  •  :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

    • VIP Member
    • *
    • Awards Member of the Month PMT Lounge Addict Banking and Insurance Boss Investments Idol PSE Stock Trader Real Estate Mogul Member since 2008 Stocks Wizard
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #40 on: Jul 21, 2011, 09:55 PM »
  • Publish
  • 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

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #41 on: Jul 22, 2011, 06:56 AM »
  • Publish
  • 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

    • Posting Whiz
    • **
    • Gender: Male
    • Buy when there's blood running in the street...
    • Awards Member since 2010 Banking and Insurance Boss
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #42 on: Aug 30, 2011, 06:49 PM »
  • Publish
  • 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

    • Forum Jedi
    • ****
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #43 on: Aug 31, 2011, 07:08 AM »
  • Publish
  • Hahaha, if you look at it that way then they are geniuses.
    And they have to be so they survive =p


    Offline Rothschild

    • Posting Whiz
    • **
    • Gender: Male
    • Buy when there's blood running in the street...
    • Awards Member since 2010 Banking and Insurance Boss
      • Awards
    Re: High Watermark by BPI-Philam - any opinion on this?
    « Reply #44 on: Aug 31, 2011, 10:18 AM »
  • Publish
  • 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.

    PMT Forum

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

     

    Related Topics

      Subject / Started by Replies Last post
    20 Replies
    2340 Views
    Last post Jun 15, 2009, 05:08 PM
    by bettingstation
    22 Replies
    2810 Views
    Last post Jun 07, 2009, 05:20 AM
    by un1z
    8 Replies
    1065 Views
    Last post Jan 06, 2011, 08:27 AM
    by elmostreet
    4 Replies
    253 Views
    Last post Sep 10, 2013, 08:58 PM
    by totscalilari


    * Recent Topics

    * PMT Shoutbox

    Refresh History
    • eischied_21: mga bossing, ano kaya next support ng PSEI?
      Apr 17, 2014, 12:34 PM
    • moto461: dividend pay day sa TEL..   i L♥ve PLDT.. :-*
      Apr 16, 2014, 02:45 PM
    • kiriyama: @waydske wag kang lilingon! Basta huwag kang mag babalik  tanaw! :cry:
      Apr 16, 2014, 12:12 PM
    • apingdaldal: MPI at 5.00 mark woohooo!!!
      Apr 16, 2014, 10:42 AM
    • GoodSteward: Jv- joint venture ü
      Apr 14, 2014, 11:32 PM
    • danconcon: Sir GS, jv?
      Apr 14, 2014, 06:22 PM
    • GoodSteward: Im referring to sgi.... Octane gas bukas...go go go!!!
      Apr 14, 2014, 05:09 PM
    • GoodSteward: Vacay mode in shanghai now n pag silip ko now ceiling na! Other forum said may jv daw tsismis leakage... Nagceiling daw before noon... If another ceiling bukas free na tong trip ko!! Hehehe
      Apr 14, 2014, 05:09 PM
    • Wills: Ok try din natin
      Apr 14, 2014, 04:18 PM
    • sj.unite: Sir Wills try niyo din 8tracks. :D
      Apr 14, 2014, 11:10 AM
    • rcdev2014: gandang umaga! ^_^
      Apr 14, 2014, 07:18 AM
    • Wills: WOW! Spotify is the best! Go for premium subscription, value for money,
      Apr 14, 2014, 01:17 AM
    • moto461: ah si Kim Henares nga pla..  cgurado panalo and BIR   :boxing:
      Apr 13, 2014, 03:38 PM
    • moto461: who will be the next after Bradley?  medjo nawawala na ang excitement sa Pacquiao vs Mayweather kc tumatanda na cla 35 at 37.
      Apr 13, 2014, 03:35 PM
    • yllor: dami na naman pera si PACMAN.. madami na naman hahabulin ni Kim.. :hihi:
      Apr 13, 2014, 02:28 PM
    • mikoangelo: tinimbrihan ko na si mayor binay katkat..di ka daw patatapakin  sa makati...
      Apr 13, 2014, 08:07 AM
    • katkatmachine: hi mga sir, sa mga taga-taguig jan, safe na po kayong lahat. hindi na matutuloy ang yanig sa taguig sa april 21. nagmove na kami ni labidabs sa makati.so mg taga makati kapit kapit mg sir! FYI lang sainyo.  :hihi:
      Apr 12, 2014, 08:18 AM
    • waydske: balik nalang ako pag bumaba ulit
      Apr 11, 2014, 05:58 PM
    • waydske: @kiriyama ako din e. binenta ko kanina last minute lahat. okay n sakin 9% gain pero ramdam ko tataas pa to e
      Apr 11, 2014, 05:57 PM
    • kiriyama: di ko sure kung tama ba na nag bawas ako ng load sa MWIDE...hmmmmm profit is still a profit..don't look back baka ma frustrate..  :cry:
      Apr 11, 2014, 03:01 PM
    • regor: ang sarap tumanggap ng devidend ni EDC yahoooo...!!!
      Apr 11, 2014, 01:21 PM
    • kiriyama: Hibang klase si MB tinalo pa si DD sa performace this week...congrats sa may mga MB kung meron man dyan sa inyo. :applause:
      Apr 11, 2014, 11:58 AM
    • Wills: :D
      Apr 11, 2014, 11:24 AM
    • katkatmachine: buti na lang nakabili ako nung bumagsak sa 9.98. hehe. :)
      Apr 11, 2014, 10:51 AM
    • Wills: sellers jus won't budge
      Apr 11, 2014, 10:14 AM
    • Wills: sh*t ayaw mahit ng 10.14 bid sa LRI
      Apr 11, 2014, 10:12 AM
    • kiriyama: Ipit kay CPG...aruy! Bad news is Bad!  :yuck:
      Apr 11, 2014, 09:33 AM
    • zaq: salamat sir wills, i will do that...naka ilang buy and sell narin naman ako and thank God maganda naman yung result..at tsaka lagi ko binabasa forum nyo d2 d2 rin ako nakaka kuha ng tip..salamat
      Apr 10, 2014, 04:37 PM
    • ask: nagtra trade din ba si tiya pusit?
      Apr 10, 2014, 04:33 PM
    • Wills: Hahahah
      Apr 10, 2014, 03:42 PM
    • pinky21: bkt hindi mo kwento kay tiya pusit.....:P
      Apr 10, 2014, 03:33 PM
    • Wills: Plus the big plan on expansion of train system
      Apr 10, 2014, 03:30 PM
    • Wills: Zaq aral ka muna... Wag umasa sa tips para Hindi habang buhay nakasandal sa ibang tao.
      Apr 10, 2014, 03:29 PM
    • Wills: All of them needs cement!
      Apr 10, 2014, 03:27 PM
    • Wills: I just bought 10.44 today
      Apr 10, 2014, 03:26 PM
    • Wills: Current PPP is on its way, 15 more PPP will be launched in the coming years plus Yolanda rehab plus private sector and also companies investing for their growth
      Apr 10, 2014, 03:26 PM
    • rds: anyways TRC recommends buy on LRI, was it below 11/share, cannot remember.
      Apr 10, 2014, 03:25 PM
    • Wills: Biro lang Ask :hihi: Hindi ko type si OV kaya wala akong alam sa kanya. And I don't do price forecast, wala akong alam sa ganon
      Apr 10, 2014, 03:24 PM
    • zaq: hello mga sir at mam, musta naman po ang mga investment natin dyan? bago lang po dito...wala po bang tips na magandang pwedeng bilhin?
      Apr 10, 2014, 03:24 PM
    • rds: and i want to see numbers (estimates) of how big would be the potetial earnings due to the PPP and the yolanda construction.
      Apr 10, 2014, 03:23 PM
    • Wills: Ask  I think masOk malaman yung update ni msKatkat at labidabs niya :hihi:
      Apr 10, 2014, 03:22 PM
    • rds: what i mean is merger usually translates to additional earnings, and the merger is real. but the effect of that news tends to push the price way too high for me.
      Apr 10, 2014, 03:20 PM
    • ask: wills ano tingin mo sa OV, aabot ba siya ng 40 this month?
      Apr 10, 2014, 03:15 PM
    • katkatmachine: @sir miko-oo naman. sa april 21 kami magkikita. malamang magiging busy kami ni labidabs, pero don't worry mga sir, i-update ko pa din kayo tungkol sa mga bagay na pagkakaabalahan namin.  :hihi:
      Apr 10, 2014, 03:05 PM
    • Wills: Ask what do you mean? Just ask a question ask :hihi:
      Apr 10, 2014, 03:03 PM
    • ask: sir wills pwede po bang in layman's term?!?
      Apr 10, 2014, 03:00 PM
    • mikoangelo: katkat...ready ka na ba sa pagdating ni labidabs?
      Apr 10, 2014, 02:59 PM
    • Wills: That is your short term benefit when you think of the merger.... But let me say this again earnings and ROE is more important
      Apr 10, 2014, 02:43 PM
    • Wills: Look the merger is not tsismis... It will happen and that will assure you that the price will not go down.
      Apr 10, 2014, 02:40 PM
    • Wills: I'm an optimist when I see those kind of facts... Just want to remind you guys that we are investing using our windshield
      Apr 10, 2014, 02:37 PM
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    No members were found.

    * Vote in this Poll Now!

    • What's your ideal age for marriage?
    • Dot Below 20 years old
    • 2 (2%)
    • Dot 21-24 years old
    • 2 (2%)
    • Dot 25-29 years old
    • 50 (53%)
    • Dot 30-35 years old
    • 25 (26%)
    • Dot 36-40 years old
    • 5 (5%)
    • Dot Above 40 years old
    • 2 (2%)
    • Dot Any time you're ready
    • 7 (7%)
    • Total Members Voted: 93
    • View Topic

    * PinoyMoneyTalk.com

    * SPAM-free PMT!

    Help clean up the PMT Forum by reporting spam posts, troll messages, PM solicitation, or any other problem posts or members! Click the "Report to moderator" link at the bottom of every post.
    BloQcs design by Bloc Business & Finance - Top Blogs Philippines
    SMF 2.0.4 | SMF © 2013, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal