PMT Forum

News: New PMT Forum Achievement Awards!   Did you receive your award? Click here to know more about the PMT Forum Awards.

Search Money Investments
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 12385 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.

    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.

    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.

    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
    2575 Views
    Last post Jun 15, 2009, 05:08 PM
    by bettingstation
    22 Replies
    3014 Views
    Last post Jun 07, 2009, 05:20 AM
    by un1z
    8 Replies
    1135 Views
    Last post Jan 06, 2011, 08:27 AM
    by elmostreet
    11 Replies
    660 Views
    Last post Aug 30, 2014, 09:08 PM
    by GIG


    * Recent Topics

    * PMT Shoutbox

    Refresh History
    • pinay57: good day pmt member
      Oct 21, 2014, 06:00 AM
    • kiriyama: may problem COL ngaun? or saken lng?
      Oct 20, 2014, 07:50 AM
    • singkit_1588: EBOLA RED DAY....
      Oct 16, 2014, 11:14 AM
    • LifeWisher: guys need help... gusto ko itry yung virtual tycoon pero may error pag nag place na ng order "Microsoft OLE DB Provider for ODBC Drivers error '80004005'  [Microsoft][ODBC SQL Server Driver][SQL Server]Subquery returned more than 1 value. This is not permitted when the subquery follows =, !=, <, <= , >, >= or when the subquery is used as an expression.  /citisecquote2/VirtualTycoon/EnterOrder/e_OrderIndb.asp, line 99 "  paano ito?
      Oct 16, 2014, 08:47 AM
    • jmces: lol
      Oct 15, 2014, 03:14 PM
    • VeneurlArgent: aw ok salamat. akala ko pa naman hmm :party: :b_guitar:.. hehe
      Oct 15, 2014, 01:51 PM
    • jmces: 400% stock div
      Oct 15, 2014, 01:49 PM
    • jmces: ex date kahapon
      Oct 15, 2014, 01:49 PM
    • VeneurlArgent: anong nangyari sa DMC from 80 bumagsak to 15 petot?
      Oct 15, 2014, 01:35 PM
    • e_win: may ibabagsak pa ba to
      Oct 14, 2014, 03:39 PM
    • bajoyjoy: I'm extending invitation to all PMT pipol, in case meron pong interested sainyo : [link]
      Oct 14, 2014, 12:11 PM
    • jmces: no more ammo :D
      Oct 14, 2014, 10:19 AM
    • singkit_1588: buy buy buy???
      Oct 14, 2014, 09:42 AM
    • jmces: be greedy when everyone else is fearful :D
      Oct 14, 2014, 08:45 AM
    • expatsasg: http://www.marketwatch.com/story/this-is-the-most-dangerous-stock-market-since-2008-2014-10-13?mod=MW_story_top_stories
      Oct 14, 2014, 02:22 AM
    • jmces: sale dmc bukas :D
      Oct 13, 2014, 04:38 PM
    • jmces: need more ammo
      Oct 13, 2014, 04:37 PM
    • OMG.27: bull is now out in the window...hahahahaha...
      Oct 13, 2014, 04:21 PM
    • Wills: I love this month!! Haha
      Oct 13, 2014, 03:49 PM
    • jmces: bot addtl agi :D
      Oct 13, 2014, 02:58 PM
    • singkit_1588: SELL OFF?? :(
      Oct 13, 2014, 02:06 PM
    • kAMi: :)
      Oct 13, 2014, 01:38 AM
    • francesdeniel: hi!
      Oct 13, 2014, 12:53 AM
    • OMG.27: waaaaa..............
      Oct 12, 2014, 06:24 PM
    • danyan2001us: regards from australia
      Oct 11, 2014, 11:42 AM
    • regor: Abandon Ship..
      Oct 10, 2014, 09:42 AM
    • gracepadz: hai poh. Im doing a research paper poh for my masters degree. please help nyo po aqoh
      Oct 08, 2014, 05:48 PM
    • gracepadz: Anyone here can give me an idea on building a training center which is TESDA accredited?
      Oct 08, 2014, 05:46 PM
    • sj.unite: @agapanthus anong facebook group yung nilipatan nila?
      Oct 08, 2014, 02:33 PM
    • TrulyRichAtty: Ako, when I check my stock portfolio and giving me all green! Unrealized gains keep on increasing...
      Oct 08, 2014, 11:18 AM
    • TrulyRichAtty: Let's keep this forum alive!
      Oct 08, 2014, 11:17 AM
    • TrulyRichAtty: What's keeping you excited when you wake up?
      Oct 08, 2014, 11:17 AM
    • Homeboy: hi guys! welcome sa PMT!
      Oct 07, 2014, 01:36 PM
    • imkreisha: hi
      Oct 07, 2014, 01:22 PM
    • dhie221: Hi im new here
      Oct 07, 2014, 01:18 PM
    • e_win: nag meg na ko, kaso downtrnend ngayon Oct.hehe
      Oct 07, 2014, 11:31 AM
    • agapanthus: kaya tahimik na kasi naglipatan na sila sa Facebook
      Oct 03, 2014, 11:22 PM
    • b0y3t2014: Hi guys. i would like to seek an assistance entering the business "Stock Market" - sino po b pede makatulong sakin
      Oct 03, 2014, 03:50 PM
    • b0y3t2014: hi
      Oct 03, 2014, 03:49 PM
    • TrulyRichAtty: russel_18: need ko ng advise nyo, my nagsasanla ng apartment isang flr. sa amin, nakita ko na yung unit pero natatakot ako bka mapaloko ako, ano pong pwde kong gawin pra maback ground check ko kung malinis ang pagsasanla ng may ari. Thank you. ANS:check with ROD if ung title e mortgaged n s iba thru anotation s title mismo
      Oct 03, 2014, 02:28 PM
    • TrulyRichAtty: e_win: ok ba MEG ngayon? yes
      Oct 03, 2014, 02:24 PM
    • jmces: dmc exdate oct 14
      Oct 03, 2014, 11:48 AM
    • regor: Pula pa din kaya?
      Oct 03, 2014, 09:04 AM
    • sj.unite: Ang tahimik na ng forum.
      Oct 02, 2014, 10:32 AM
    • Terzaghi: TEL or GLO? hmmm...
      Sep 30, 2014, 11:54 AM
    • Terzaghi: EDC...i like :)
      Sep 30, 2014, 11:53 AM
    • marydoll.sillacay: hi to all .. nakakalog in  ba kayo sa sss online ?
      Sep 30, 2014, 11:06 AM
    • patrickdiamante: Anu magandang tsupit ngaun mga sir??
      Sep 30, 2014, 10:48 AM
    • e_win: ok ba MEG ngayon
      Sep 30, 2014, 09:58 AM
    • TulogSaPancitan: GLO baba ka pa ng konti and I will give in to your teasing. Ayoko muna sa TEL. Pricey pa ang valuation.
      Sep 30, 2014, 04:22 AM
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    eischied_21
    1 Posts
    masterpachu
    1 Posts
    pulubing_palaboy
    1 Posts
    Market_Market
    1 Posts
    francesdeniel
    1 Posts
    kuray08 kuray08
    1 Posts

    * Vote in this Poll Now!

    • How much is your monthly income?
    • Dot Less than PHP 10,000
    • 15 (3%)
    • Dot PHP 10,000 to 25,000
    • 75 (19%)
    • Dot PHP 25,001 to 50,000
    • 78 (20%)
    • Dot PHP 50,001 to 75,000
    • 43 (11%)
    • Dot PHP 75,001 to 100,000
    • 34 (9%)
    • Dot More than PHP 100,000
    • 132 (35%)
    • Total Members Voted: 374
    • 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