PMT Forum


Search Money Investments

* PMT Shoutbox

Refresh History
  • cricky: im in my late 20s with a gaining wisdom and constantly feeding myself with food for thought... :))
    Today at 03:10 AM
  • Wills: Cricky wow! How old are you? What makes you think that way?
    Today at 02:48 AM
  • cricky: in the old days, faith makes the world go round, now its money and hopefully soon it will be cryptocurrency! :)
    Today at 02:39 AM
  • Jamespampanga: Idolaters will not inherit the kingdom of God...
    Today at 02:02 AM
  • Jamespampanga: Jesus Saves!
    Today at 02:01 AM
  • cricky: atheist
    Today at 01:17 AM
  • Robinroo: Hello Everybody! (Gru)
    Today at 12:52 AM
  • Wills: Good evening! Hello sa lahat!
    Yesterday at 11:14 PM
  • cricky: hi from cebu!
    Yesterday at 07:40 PM
  • Claro: Thanks . I have to go but I'll be back soon.
    Yesterday at 11:30 AM
  • patty: good morning
    Yesterday at 11:01 AM
  • SACRED214: hi pmt
    Yesterday at 02:45 AM
  • GoodSteward: Hey kithe! Long time no hear here in pmt a!!! Ü
    Feb 27, 2015, 03:17 PM
  • kithe: Hello, PMT.. :)
    Feb 27, 2015, 02:12 PM
  • Jamespampanga: PMT Parody of the Month lang haha
    Feb 26, 2015, 02:21 PM
  • Jamespampanga: O pansinin niyo daw si matandang pulubi kulang na naman sa pansin
    Feb 26, 2015, 02:17 PM
  • kiriyama: Is this the start of what ive been waiting for...kahit 7.4k lng index please...  :bahalaka:
    Feb 26, 2015, 11:34 AM
  • apingdaldal: palimos po... akin nlng lahat ng pera nyo
    Feb 26, 2015, 05:54 AM
  • Jamespampanga: Help beggars di mo madadala yaman mo sa langit
    Feb 26, 2015, 01:08 AM
  • Jamespampanga: Best PC Games Call of Duty, Resident Evil, Medal of Honor, Ragnarok
    Feb 26, 2015, 01:08 AM
  • Jamespampanga: Delicious food: Exotic food like dagang bukid... palakang batuten... kamaru or rice crickets
    Feb 26, 2015, 01:07 AM
  • Jamespampanga: Best Phone: Windows Phone and O+ Android
    Feb 26, 2015, 01:06 AM
  • Jamespampanga: Cute Pet: Shih Tzu or Cat
    Feb 26, 2015, 01:06 AM
  • Jamespampanga: Best location to live and invest Pampanga
    Feb 26, 2015, 01:05 AM
  • ICEBOX27: HI
    Feb 25, 2015, 11:20 PM
  • markpogi: Gud PM Peeps!  :rakenrol: :rakenrol: :rakenrol:
    Feb 25, 2015, 07:42 PM
  • boyangat: hi to all
    Feb 25, 2015, 04:28 PM
  • marisse.cy: mismo888 hingi po sana ko tips para sa lending
    Feb 25, 2015, 02:04 PM
  • apingdaldal: naputa na sa scam section ang emgoldex LOL :D
    Feb 25, 2015, 12:14 PM
  • jbmercado1981: Test New user
    Feb 25, 2015, 05:50 AM
  • markpogi: Testing 12345
    Feb 24, 2015, 03:49 PM
  • uragunda: it's nice to be back
    Feb 24, 2015, 08:49 AM
  • Jayumaster: Nice :applause:
    Feb 23, 2015, 11:14 PM
  • Robinroo: welcome eon2015!!
    Feb 23, 2015, 09:14 PM
  • eon2015: hi, im new here! ^_^
    Feb 23, 2015, 06:27 PM
  • cebuguy: :)
    Feb 23, 2015, 03:00 PM
  • cebuguy: need forum psoters http://www.pinoymoneytalk.com/forum/index.php?topic=48409.new#new
    Feb 23, 2015, 02:59 PM
  • Wills: Petron? Liit lang per liter yan ang tsismis, so focus on good location because you will profit on volume also much better if complete ang petron mo like car service and mini mart
    Feb 23, 2015, 02:21 PM
  • ausson.duque: magkano po kaya kikitain per liter sa gasolina (planning a petron) franchise
    Feb 23, 2015, 09:37 AM
  • Robinroo: Thanks po!
    Feb 22, 2015, 11:00 PM
  • Terzaghi: welcome to pmt Robinroo  :welcome:
    Feb 22, 2015, 12:45 PM
  • Robinroo: Hello again! my second day here  :hello:
    Feb 22, 2015, 10:47 AM
  • Robinroo: hello everyone! im new here :)
    Feb 21, 2015, 11:04 AM
  • freefront: you know who: edit prize money for pot money  :hihi:
    Feb 21, 2015, 06:02 AM
  • rommel2014: thank you
    Feb 20, 2015, 11:48 AM
  • rommel2014: http://www.pinoymoneytalk.com/forum/index.php?topic=48382.new#new
    Feb 20, 2015, 11:48 AM
  • rommel2014: i have my concern written in this title - "Start Checking account- need help"
    Feb 20, 2015, 11:48 AM
  • rommel2014: hi can i ak help
    Feb 20, 2015, 11:48 AM
  • simonkuan: 新年快乐,洋洋得意!! 恭喜发财!!! 万事大吉!!!~~
    Feb 19, 2015, 09:35 PM
  • Senyor: san na yung thread ng WEB mga idol
    Feb 19, 2015, 09:02 PM

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

Author Topic: High Watermark by BPI-Philam - any opinion on this?  (Read 13557 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 Superstar
      • 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.
    join me on twitter @ bauerfilipino

    PMT Forum

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


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

    Offline 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 Superstar 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 Superstar
      • 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.
    join me on twitter @ bauerfilipino

    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 Superstar
      • 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.
    join me on twitter @ bauerfilipino

    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 Specialist
    • **
    • 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 Specialist
    • **
    • 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
    2836 Views
    Last post Jun 15, 2009, 05:08 PM
    by bettingstation
    22 Replies
    3262 Views
    Last post Jun 07, 2009, 05:20 AM
    by un1z
    8 Replies
    1231 Views
    Last post Jan 06, 2011, 08:27 AM
    by elmostreet
    11 Replies
    850 Views
    Last post Aug 30, 2014, 09:08 PM
    by GIG


    * Recent Topics

    Forum Shortcuts!
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    Market_Market
    12 Posts
    cricky
    12 Posts
    Jamespampanga Jamespampanga
    8 Posts
    Robinroo
    5 Posts
    TulogSaPancitan
    3 Posts
    apingdaldal apingdaldal
    2 Posts
    AMARANTH
    1 Posts
    Wills
    1 Posts
    Usman Usman
    1 Posts
    kAMi
    1 Posts

    * Vote in this Poll!

    • Who will win in the MAYWEATHER vs. PACQUIAO fight?
    • Dot Mayweather by decision.
    • 2 (12%)
    • Dot Mayweather by stoppage.
    • 2 (12%)
    • Dot Pacquiao by decision.
    • 5 (31%)
    • Dot Pacquiao by stoppage.
    • 5 (31%)
    • Dot A draw.
    • 1 (6%)
    • Dot It still won't push through.
    • 1 (6%)
    • Total Members Voted: 16
    • 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
    SMF 2.0.4 | SMF © 2013, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal