Author Topic: BDO OR BPI EQUITY UITF? (Read 20562 times)

j_l · « **Reply #30 on:** Apr 25, 2011, 11:40 PM »

for me ha on my opinion, isang buhos na lang or kung hindi naman kahit magtira ka lang ng 1/4 or 1/5 non para safe in case of emregency or special needs for personal emergency basta tantsyado mo yung kakailanganin mo in the future and sabagay may mga ibang uitf na 2,1 or minsan pa nga days lang and minimum holding period kaya kung anong mangyari i-expect mo na walang mangayari or kakailanganin mo in atleast 1 month term (ganon dapat ang magaling na investor, iniisip mo or ine-expect mo dapat ang possible na mangyari sa future) and alam ko pwedeng mag-partial withdrawal of investment ka basta wag lang aabot sa minimum participation yun at pag natapos na ang min holding period, sabagay anytime pwede ka naman talagang mag-withdraw pero syempre may charge yun(early redemption, etc.) at yun nga dapat iwasan natin kasi kaya nga tayo nag-invest to earn talaga......

Yung 1/4 or 1/5 rin yun pwedeng mong-i-reserve para mag-cost averaging rin kahit papano kung sakali bumaba yung Navpu pero sa tingin ko tuloy-tuloy na ang pagtaas non kung bababa yun siguro baka isang araw lang or few days kasi start na ng "bull" tapos hindi naman real time ang posting ng mga banko sa website nila ng price non so kung mababa ngayon malalaman mo lang pag gabi na kung san na-refresh na nila ang prices and sorry na lang satin dahil for that day lang ang trade non till 12:00 noon(what if that day lang mababa ang price tapos biglang taas ulit kinabukasan), so kung mag-cocost average ka dapat tawag ka ng tawag sa branch mo to know how much ang Navpu at kung narinig mong mataas pa rin tatawag ka na lang pa ulit the next day until narinig mo na namababa na ang price tapos dapat habulin mo ang 12:00 para makapasok......

kung may bdo ka try mo EIP, kasi alam ko ang bank na mismo ang mag-i-invest sayo at sila na bahala mag-aabang ng mababang price, parang sila na ang mag-co-cost average para sayo, i-de-deduct na lang nila sa account mo pero minimum additional contribution parin non is 10,000 and 1,000 maintaining balance dapat laman ata ng account mo compared sa wala ng maintaing balance kasi once na mag-uitf ka mali-link or affiliated ang savings account mo don so suspended na muna maintaing balance mo habang may investment ka, kahit mag zero balance ka ok lang walang charge by the end of the month because of falling below the minimum adb, ewan ko lang sa ibang banks.

As they say good history doesn't guarantee good future results, maslalo na baka meron pang mangyari na bad events wether political, economic or natural na obviously nakaka-epekto sa pag-galaw ng investments......

And as i have said before kaya tayo talaga kumikita ay dahil sa pag-appreciate ng Navpu compared sa nabili nating price previously so kung gano kalayo ng presyo ng Navpu na nabili mo sa current Navpu ngayon ganon kalaki ang ang kikitain mo i-multiply mo na lang sa number of units mo na nabili, parang bentahan rin yan ng lupa, nabili mo ng mura or sa especific price pagkalipas ng panahon tumaas pa ang mga presyo ng lupa tapos naibenta mo na siya sa malaking halaga , dun ka kumita.....

Ang uitf/ stocks usually isang beses or minsan lang aapak sa especific price kung bababa yan wala siyang choice kundi tumaas muli unless pabagsak na talaga ang companya na pinag-invest mo, so ang Navpu ngayon obviously mas mataas na sa susunod na araw>**** (unless uli kung may mangyari sa economy na magpapababa dito, pero normal lang talaga ang fluctuation of prices kaya nga na-uso ang cost-averaging, the bottom line is pataas talaga movement)>***to continue**** mas mataas syempre after a few months and years kaya kung sabihin natin ang 350 na Navpu ngayon ay pwedeng 500 na after 1 year eh pinalipas mo ulit ng another year so baka 650 na yun, kaya dun ka kikita, ang 350 mo naman after that hindi na makabibili ng 1 unit ngayon, yung ibang first timers naabutan ang 650, kaya iyon ang magiging lamang mo (marami kang units na nabili sa murang price compared sa bibili pa lang na halos dodoble na sa presyo na nabili mo, kaya kung pang long-term talaga ang iniisip mo mas makakabuti na bilhin mo na lahat ng units na kaya mong bilhin sa ngayon its up to you kung magtitira ka ng ilang percentage na gusto mo pero kung pang short term ka at hindi ka masyadong risk tolerant or conservative ka hindi naman masyadong mahalaga yung advices ko syo basta iwasan mo lang ang "bear" months tapos i-re-invest mo na lang ulit pag-mag-bu-bull na muli kung gusto mo..............

My top recommendations for uitf's are in terms of returns(previous performances):

Unionbank > i think it is the most consistent on giving higher returns, starting price before its inception was 100 but now its around 440 already, mahal talaga pricing sa start pa lang, min investment is 100,000

Ucpb >starting price was i think 1*not sure, now i think its 2.5, aiming closer to the performance of UB

Odyssey >of Bpi formerly ING product not (Bpi uitf products) it has 15 days min holding period

Bdo

Metrobank

>the other 2 are always interchanging their ranking for uitf's, for me they average the same on the 4th spot and on some occasions odyssey......

Rcbc > may have a potential to out-perform bdo and metrobank or at least to go to their level.....

***(only names of banks where quoted in PMT)

> yung iba dyan ay medyo consistent talaga na top performers, i-research mo rin yung ibang banks malay mo mag boom pa yung ibang banks this year...........

desiderata · « **Reply #31 on:** Apr 26, 2011, 08:50 AM »

guys, is there a bank that offers UITF with below 100k minimum initial investment? Sa MF kasi pwede ang 10k minimum but they have the sales load and a holding period of 2-3 years. I'd like to try UITF just to test the water, seems better than MF since 1 month lang pwede na i-pull out ang funds at walang sales load.

ervntps · « **Reply #32 on:** Apr 26, 2011, 09:17 AM »

^^bdo and bpi offers 10k minimum initial investment on UITFs

j_l · « **Reply #33 on:** Apr 26, 2011, 10:10 AM »

^yah correct, ang alam ko lang na may min. initial investment na 100,000 is Unionbank (large cap), halos lahat naman ng banks puro 10,000 ang minimum pero kung MF ka ang alam ko ang average na minimum ata is 5,000, yun nga lang baka hindi pa yun net na amount of money you need, pero baka most likely hindi siya aabot ng 10,000 at sa MF may hawak ka talagang shares ng companya at pwede kang mag-earn ng dividends........

yung sa unionbank naman kasi incomparable talaga ang difference ng returns compared to other banks, try mo ucpb 10,000 rin min. non and 5,000 ata kung mag-dadagdag ka.................tapos within the 1st quarter of the year siya ang top performer or siya ang pinaka least na naapektohan ng losses during the bear months......

desiderata · « **Reply #34 on:** Apr 26, 2011, 10:27 AM »

that's great to hear. I'll check in BDO

richpulubi · « **Reply #35 on:** Apr 26, 2011, 04:55 PM »

dudefulness,
If all you have is P200K, then I suggest investing in BDO uitf's na lang. Peso cost average ka, cuz it will hurt more if you lose money cuz you invested everything at the wrong time, rather than a little at the right time. Park the rest in the money market fund ,since it makes about 3.8% anyway, much better than a time deposit. Feed the equity probably once a month. It's the safer, more disciplined way.

Post Merge: Apr 26, 2011, 05:13 PM

Oh ya, you can feed your bdo uitf's for as little as P1000 per shot now.

Performance wise, well, Unionbank hasn't been that superior in the past few months. Pantay lang sa iba. I also have UITF in Union bank.

mxherr5 · « **Reply #36 on:** Apr 26, 2011, 06:04 PM »

@desiderata, you'll want to check on BDO's EIP.. it would allow you to invest as low as 1k a month.

totoypikoy_uno · « **Reply #37 on:** Apr 27, 2011, 03:03 PM »

guys, salamat sa info. kakasali ko lang sa uitf ni bdo kaninang umaga at sa forum na to ngayon lang. bottomline talaga, dapat ready tayo sa risks...

dudefullness33 · « **Reply #38 on:** May 04, 2011, 07:27 PM »

@j_l, and @RP thanks for the replies...so, both of you have different insights....si j_l, isang buhos na lahat (magtira ng 1/4, 1/5 ng 200k ko) kasi pa-bullrun na....si RP naman, since 200k lang, mag cost ave.... ayan lalo nako tuloy nalito kung sino susundin..hehe...anyway, both of your opinions are appreciated...i will think it over more kung ano talaga gagwin ko sa 200k...thanks..

Post Merge: May 04, 2011, 07:36 PM

btw to add lang, di ba mas maganda mag cost ave if navpu is on a downtrend? maganda rin ba siya pag pataas na (just like nowadays)?

j_l · « **Reply #39 on:** May 05, 2011, 12:59 AM »

hahaha, it's always up to you.....
every investor should always have their own interpretations or independent decisions in mind.

on the otherhand kaya sinabi ko na magtira ka ng ilang percentage is for you to cost average kahit papano and for some unexpected events(whether personal or about this particular investment) and atleast matututo ka about cost averaging and malalaman mo kung effective or beneficial ba yun on your part. parang guinea pig lang yun and kung nagwork and then do it frequently na lang atleast na-secure mo na sa mababa pa lang ang price. eventually in the future dadagdagan mo pa naman rin siya diba pag may excess funds ka ulit so you will get a chance parin naman kahit isang buhos or kahit substantial portion lang.

kung may bdo ka and you enrolled to eip baka ok yun, pero if you want to do it manually its up to you and atleast you have full control of your money (amount, whatever day you like).

the cons of cost averaging naman is you'l never know when will the price will fall or is it really gonna happen lets say for example you bought 200 worth of navs/unit, god only knows if it will fall below 200 again, not you, not me and not eip as well(no one can predict the future), lets say after a month nag fall ang mga prices maybe it will gain close to 200 but not on that 200 itself or below that level, i am just pointing some instances......hintay ka ng hintay na bumaba ang nav and in the end mas napamahal kapa dahil nagtira ng reserba at pinalipas mo pa ang panahon.... sabihin na natin kahit papano nakabili ka ng 201 by doing cost averaging , lumalabas hindi na yon cost averaging dahil masmataas yun sa 200 so nasayang lang ang purpose mo, pero kung naglagay ka ng substantial portion sa uitf mo na kagad atleast naka-secure ka na ng spot na sa tingin mo atleast kahit anong mangyari ay nakamura kaysa you will assume na bababa pa ang prices in the future and you'll never get any assurance at all na magiging 199 lang man yun kahit papano.........

cost averaging is preferable more on stock trading kasi talagang it can go to lowest lows and highest highs, kaya maraming naghihirap dyan at meron namang biglang yaman, and in history wala pa kahit sino talaga sa uitf and mutual fund ang 100% na nawalan ng investment pero sa stocks meron. mf 's and uitf's are more controlled or manageable compared to stocks that your investment is concentrated on a specific company, uitf's and mf's are more diversified.....sa stocks kung sabihin na natin 200/share after a few days or months pwede yun ma-double, maging 400 edi kumita ka pero may tendency yun na bumalik pa ulit sa 200 or masmababa pa don kaya naman may ibang taong naririnig ka na nagpapakamatay dahil nawala lahat ng pera nila sa stocks, madalas at malakihan ang fluctuation doon kaya naman mas effecient ang cost averaging doon at timing pero iba naman sa uitf hindi naman siya ganon ka sobrang risky compared sa stocks ang uitf (equity fund) does not go to 100% loses after a year nor 50% or 30% or so on (whatever the data states), what i can see the most is that it can go to less than to 2 months low but not 12 months or a year low for example (100, 110,135)> it corresponts to nov, dec, jan months, if the current month is jan and if the price will fall it can go a little maybe to the nov price which is 100 and it usually happens only on bear seasons so to speak.........kaya naman wala talagang nalulugi maslalo na kung hihintayin mo na mag jump back again yung prices sa 135, as i have mentioned before minsan lang or bibihira lang talagang aapak muli ang nav sa specific price level kaya naman pamahal ng pamahal ang navs, it's only way is to go up. kailan ka nakakita lets say bdo na ngayon ay nasa 260+ na after one year babalik ulit ng 260 level, sa stocks pwede pa yun pero uitf and mf hindi.

about your question..... totoo mas maganda mag cost ave habang negative pa or in or around the peak of negative returns kasi your competing between the lowest price on the low price season. pag-pa-uptrend na its a rare oportunity to take advantage the cost ave method.....

actually ngayon parang nasa slow pace pa lang rin ang bull or parang nasa bridge palang rin ng bear at bull but i think before we go to the 2nd half of the year(june/july) it will definitely rebound, big time.......well, i really hope so that my perception serves me right.......

just to remind you money market fluctuates also, theres no fixed interest rate there although i know it is being invested on sda's maybe a portion, it's better to go to sda directly rather than money market where as sda's has more fixed interest rates..... on my experience with bpi sda's.

silent_investor · « **Reply #40 on:** Jun 17, 2011, 05:25 PM »

whether cost average or isang buhos, ang importante mag invest na! hehehehe time is gold ika nga. Kung long term investing naman, just start investing anytime. Good luck sa ating lahat!

palailai · « **Reply #41 on:** Jun 18, 2011, 01:10 PM »

I prefer BDO UITF than BPI UITF.

richpulubi · « **Reply #42 on:** Jun 19, 2011, 11:14 AM »

Quote from: dudefullness33 on May 04, 2011, 07:27 PM

@j_l, and @RP thanks for the replies...so, both of you have different insights....si j_l, isang buhos na lahat (magtira ng 1/4, 1/5 ng 200k ko) kasi pa-bullrun na....si RP naman, since 200k lang, mag cost ave.... ayan lalo nako tuloy nalito kung sino susundin..hehe...anyway, both of your opinions are appreciated...i will think it over more kung ano talaga gagwin ko sa 200k...thanks..
Post Merge: May 04, 2011, 07:36 PM
btw to add lang, di ba mas maganda mag cost ave if navpu is on a downtrend? maganda rin ba siya pag pataas na (just like nowadays)?

I hope you see the benefit of peso cost averaging now. Cuz if you bought bdo equity fund lumpsum at P200,000 at the start of May when we were discussing this, you'd be down by P12,000 now!

ahock · « **Reply #43 on:** Jun 19, 2011, 01:58 PM »

how do you guys see this mutual funds or UITF as an alternative sa educational plans?

allanmm13 · « **Reply #44 on:** Jun 19, 2011, 06:01 PM »

I've been using mutual fund as education fund for my children.

Some of the advantage i see are:

(1) no penalty or fee is you increase, decrease, forgot to pay on time since this is an open ended fund
(2) freedom of choice how many years you wanna save on your mutual fund
(3) dont have to wait for X years for the fund to start paying for educ fund (i thinj they call this maturity date in educ plan), especially if you hit your target amount ahead of your required timeframe

The only disadvantage i see are:
(1) the return of a mutual fund is market to market, i.e. if you liquidate when the NAVPS is low (worst case scanrio) you will not probably gonna hit your goal . I prefer then to go for peso cost average to mitigate this risk
(2) there's no protection part, so i had to go for a seperate level term insurance (which i did get) in case something happen to me

Other points i consider: I open the account as Mr. Hubby OR Mrs. Wife ITF Son