PMT Forum

News: The **7 Most Popular PMT boards** are now on top! Check out the Forum homepage!

Search Money Investments

* PMT Shoutbox

Refresh History
  • Hampaslupa: baguhan po
    Today at 02:43 AM
  • Evangelist: Baguhan!
    May 23, 2015, 06:33 PM
  • RFMarine: vul
    May 22, 2015, 05:29 PM
  • SACRED214: punta na lang kayo sa lending company...
    May 21, 2015, 09:52 PM
  • jayslash: meron po ba dito nag papa loan? kahit yung or/cr ng sasakyan? kahit sa tao lang po para di masyado madami req's na kailanganin and sana low interest din. Pa-help nman guys. Thanks!
    May 21, 2015, 01:52 AM
  • jvrm: meron po b dito nag papautang? kht sanla ko po atm ko as collateral i need 16k po kasi. salamat and please help me :(
    May 20, 2015, 10:54 PM
  • venturetrees: is there a forum here regarding How does Financier for Gravel & Sand earns on a project basis??
    May 20, 2015, 09:39 PM
  • jlt: water refiling
    May 20, 2015, 03:37 PM
  • lefeinuj: Present
    May 19, 2015, 07:51 PM
  • hasnain.janmahomed: just wanna brag about my new investment. condo this tym. one castilla place i can hardly wait for your turnover!!!
    May 19, 2015, 09:59 AM
  • hasnain.janmahomed: just wanna brag about my new condo investment in one castilla place. wohhoooo!!!! cant wair ss turn over ss 2016... dmci in kays sigurado maganda
    May 19, 2015, 09:57 AM
  • reilly14th: Relax lang mga ka PMT - Pwede tayong maglaro habang kumikita dito. http://www.pinoymoneytalk.com/forum/index.php?topic=48776.0 ^_^
    May 18, 2015, 04:35 PM
  • pp2expert: meron po ba dito nakakaalam ng MFT group of company?
    May 16, 2015, 11:26 PM
  • yaj: pa pm nman po anong requirements mag enroll ng credit card sa bdo
    May 15, 2015, 10:42 PM
  • LuckyNicole4: hello, Im LOOKING FOR AN ATM LOAN / SANLA ATM ( ATM PAYROLL AS COLLATERAL) . need financial loan due to school expenses. thanks.
    May 15, 2015, 08:18 PM
  • LuckyNicole4: HELLO guys.... may alam ba kayong nag papa ATM LOAN or yung SANLA ATM, Loans that use atm card / payroll as a collateral ???
    May 15, 2015, 08:10 PM
  • LuckyNicole4: HELLO ...... newbie here. :D
    May 15, 2015, 08:09 PM
  • jeb: inquire ka sa col financial, mababait sila, sasagutin ka nila sa mga katanungan mo :watchuthink:
    May 14, 2015, 01:39 PM
  • jeb: kumusta sa mga luma na  :D
    May 14, 2015, 01:37 PM
  • jeb: hi sa bago dito  :cool2:
    May 14, 2015, 01:36 PM
  • yaj: hello im new here,,,
    May 14, 2015, 12:19 PM
  • Jayumaster: meralco?
    May 14, 2015, 12:01 PM
  • edzel.noriefe: :hello: help me
    May 14, 2015, 11:41 AM
  • edzel.noriefe: possible bang maka ope ako ng col financial account kahit alang proof of billing
    May 14, 2015, 11:38 AM
  • edzel.noriefe: paano mag open col account eh wala akong prof of billing?
    May 14, 2015, 11:36 AM
  • edzel.noriefe: hi guys
    May 14, 2015, 11:36 AM
  • dessuma: hi! may forum thread n b ang dmci projects? rfo or preselling?
    May 11, 2015, 08:05 PM
  • KuyaJosh: Sino TIPET sa TAPET?ok na haha.  :party: :b_peace:
    May 11, 2015, 12:46 PM
  • jeb: meron na.. reading thread...  :coffee:
    May 09, 2015, 01:46 PM
  • jeb: may forum thread na ba yang Travel Consultant?  :coffee:
    May 09, 2015, 01:43 PM
  • billeyy: pano po yang travel consultant?
    May 09, 2015, 09:15 AM
  • jeb: sayang @katkatmachine... kabusyhan eh...  :coffee:
    May 08, 2015, 06:21 PM
  • katkatmachine: guys! sama kayo sa calaguas trip namin this may 15-17. eto link ng event page namin: https://www.facebook.com/events/717843164993326/
    May 08, 2015, 10:18 AM
  • apingdaldal: if you are concerned whether your dad's CCA account is still racking up annual dividends, it's not. Well, not anymore.  AFPSLAI does not automatically deposits divs unless you personally claim it.
    May 07, 2015, 01:11 PM
  • apingdaldal: it will be active until they get they are informed of your father's repose.  In your case, your dad passed away 7 years go, most likely they knew it already.  Are you a beneficiary?
    May 07, 2015, 01:07 PM
  • jeb: korek, ask directly
    May 07, 2015, 12:15 PM
  • bajoyjoy: @ter11, why not ask from afpslai directly?
    May 07, 2015, 09:52 AM
  • ter11: @apingdaldal,  is it possible that my father's afpslai account is still active? he died almost seven years ago
    May 07, 2015, 08:41 AM
  • ter11: @Terzaghi, is it possible that my father's afpslai account is still active? he died almost seven years ago
    May 07, 2015, 08:38 AM
  • nikoletsmom: hi also from singapore! newbie here...
    May 06, 2015, 01:47 PM
  • bherong: welcome to me here... :)
    May 05, 2015, 03:32 PM
  • velodyne07: Gud PM!
    May 05, 2015, 11:45 AM
  • izza: hi
    May 04, 2015, 03:46 PM
  • Jayumaster: Ayun si TSP na ang nakalagay  :D :applause: :applause:
    May 04, 2015, 02:46 PM
  • Jayumaster: jok lng po yon. nakita kolang sa header pangalan ko. @jeb
    May 04, 2015, 12:53 PM
  • apingdaldal: there's an existing afpslai thread here ter11 you can post thr
    May 03, 2015, 08:10 PM
  • apingdaldal: yes ter11 i know afpslai very well
    May 03, 2015, 08:08 PM
  • Terzaghi: what about afpslai ter11?
    May 03, 2015, 07:32 PM
  • ter11: anyone here knows about afsplai? i have concerns about these. anyone who ha knowledge about afsplai?
    May 03, 2015, 04:45 PM

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

Author Topic: High Watermark by BPI-Philam - any opinion on this?  (Read 14288 times)

Offline charnel

  • Probie
  • *
  • Thanks Received: 0
    • 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
    • *
    • Thanks Received: 0
      • 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
    • *
    • Thanks Received: 1
    • 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
    • *
    • Thanks Received: 0
      • 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
    • *
    • Thanks Received: 1
    • 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
    • *
    • Thanks Received: 1
    • 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

    • Associate Member
    • *
    • Thanks Received: 0
      • 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

    • PMT Jedi
    • *
    • Thanks Received: 0
    • 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
    • *
    • Thanks Received: 0
      • 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

    • Junior Member
    • *
    • Thanks Received: 0
      • 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
    • *
    • Thanks Received: 1
    • 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

    • PMT Jedi
    • *
    • Thanks Received: 0
    • 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
    • *
    • Thanks Received: 0
    • 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

    • PMT Jedi
    • *
    • Thanks Received: 0
    • 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
    • *
    • Thanks Received: 0
    • 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
    2978 Views
    Last post Jun 15, 2009, 05:08 PM
    by bettingstation
    22 Replies
    3433 Views
    Last post Jun 07, 2009, 05:20 AM
    by un1z
    8 Replies
    1268 Views
    Last post Jan 06, 2011, 08:27 AM
    by elmostreet
    11 Replies
    930 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

    TulogSaPancitan
    3 Posts
    Market_Market
    2 Posts
    casanova casanova
    1 Posts
    DreamWalker
    1 Posts
    Spam19
    1 Posts
    KaiserPhantasma
    1 Posts

    * Vote in this Poll!

    You cannot see the results of this poll at the moment.

    * 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 2.0.10 | SMF © 2015, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal