Author Topic: BDO OR BPI EQUITY UITF? (Read 20512 times)

charmedcookies28 · « **on:** Mar 10, 2011, 11:07 PM »

hi guys
I am planning to invest in UITF but I am not sure which one to choose.. is it bdo or bpi in terms of equity? i hope you guys can help me choose between the two

thanks in advance ;P

j_l · « **Reply #1 on:** Mar 10, 2011, 11:49 PM »

of course BDO, second highest performer siya (in terms of returns) sa equities after unionbank pero 100,000 min kasi nun eh..... Magaling raw ang fund manager or investment managers nila kaya sinuwerte sila, mas-lalo na last year at atleast 10,000 lang ang min participation niya, sa BPI naman kasi parang pang 4th ata sya, ang 3rd Metrobank ata (correct me, if im wrong)

GoodSteward · « **Reply #2 on:** Mar 11, 2011, 12:15 AM »

Check nyo rin ang convenience factor...

Like if your strategy is cost averaging, or in and out via market timing, then mapapadalas kayo magdropby sa bank for the docs and certificates...so try to check on the convenience factor din if ever...

dumbo_dawg · « **Reply #3 on:** Mar 11, 2011, 08:14 AM »

although it's been said so many times, past performance is not indicative of future performance.
but i still prefer BDO, for convenience, and also since i think they have a good fund management system.
i've already bought a few units since last month and I see myself continuing this for a few more months.

aye2011 · « **Reply #4 on:** Mar 11, 2011, 09:28 AM »

Hi

also consider the management fee / the trust free , BDO has the lowest management free of 1% while bpi is 1.5% , If you want to know more and compare equity UITF try this site and hope it works for you. "http://uitf.com.ph/toap/Matrix/index.html"

palailai · « **Reply #5 on:** Mar 11, 2011, 10:40 AM »

I have an equity fund from both banks, but between the two I like BDO Equity.. I placed small amount to BPI Equity just for comparison. Tama, maliit nga ang Management Fee ng BDO 1% lang, 30 days holding period, P10,000 min/additional placement while BPI 1.5%, 90 days holding period, P10,000 min palcement and P1,000 additional.

pinoy_oman · « **Reply #6 on:** Mar 11, 2011, 12:25 PM »

Hi;

nice thread guys, I have no knowledge about Equity UITF yet so I need to educate my self about this. I only have BPI peso time deposit account with 182 days term for 2.3750% per annum interest.
Mababa nga sya kaya pag uwi ko plano ko mag check sa sinabi ninyong BPI Equity or BDO UITF.

mxherr5 · « **Reply #7 on:** Mar 11, 2011, 05:37 PM »

BDO when it comes to returns
And when you enroll in their EIP, super convenience rin =D

But a BPI rep told me they will be implementing an online
buy and sell function soon so baka magiging convenient rin
sa BPI soon

bauer · « **Reply #8 on:** Mar 11, 2011, 05:42 PM »

Quote from: charmedcookies28 on Mar 10, 2011, 11:07 PM

hi guys
I am planning to invest in UITF but I am not sure which one to choose.. is it bdo or bpi in terms of equity? i hope you guys can help me choose between the two
thanks in advance ;P

mas maganda siguro ganito,

tanungin mo ang BDO equity kung anong mga companies ang nag invest sila

tanungin mo rin ang BPI equity.

tingnan mo ang listahan pareho. kung makita mo na karamihan ng kilala at paborito mong mga companies ay nasa listahan ng sinuman sa kanila, malamang mas maganda na yun ang piliin mo na equity fund kasi halos pareho sa gusto mo para kung bumaba man ang halaga nito at least alam mo kung anong maaaring dahilan kasi alam mo kung saan nila linagak ang pera mo.

silent_investor · « **Reply #9 on:** Mar 14, 2011, 08:50 AM »

Agree ako kay mxherr and bauer. Pinaka convenient sa akin BDO kasi mas malapit branch nila sa akin (sa baba lang hehehe) at pinaka importante, may EIP na nga ang BDO equity fund. Di na kailangan bumalik-balik sa banko, isang enrollment lang, automatic na investment ko. naka subok na ko humingi nga list of investments ng BDO equity fund, nag reply naman sila ng complete list.

Ripantnow · « **Reply #10 on:** Mar 14, 2011, 01:16 PM »

i am not yet familiar with this. pero pwede nyo ba ako bigyan ng konting info? let us say 500k ang ipapasok ko, magkano kikitain ko dito assuming and realistic. thanks.

j_l · « **Reply #11 on:** Mar 14, 2011, 03:43 PM »

Usually based on the performances ng previous years mga "around 50%" of what you have invested, not yet including fees & charges (depende, minsan around 50% net talaga including fees & charges) . For BDO lang yan h, hindi lahat ng uitf ng iba pang banks, depende kasi yun sa performance ng fund managers nila at kung saang equities nila yon ininvest pero hindi guarantee ang previous performance to future results (good results).

Ex. 100,000 - investment/principal

50,000 - gains/interest/return of investment (roi) > not yet including fees, charges, etc. (varying, if net)
> take note this is just a rough estimate, but usually ganon ang roi ng bdo, kailangan mo lang ng timing kung kailan kaka-start lang mag-positive ang roi-ytd (year-to-date) don ka maginvest or kung mura pa ang price per unit ng isang equity at dapat e-pull-out mo na yon kung pa-negative na ang roi-ytd kasi malulugi ka na non. "Usually" 11,10,9 months or around 10 months lang positive ang isang uitf kaya be aware, kasi you might loose thousands of pesos kung mali timing mo.

> take note also na binase ko yung performance na yon for a 11-10 month positive performance ng BDO of the previous years, kasi ngayon mukhang 9 months lang positive ang roi-ytd kasi, hangang ngayong march ay negative pa rin, hopefully expected ko mga april mag-po-positive ang roi-ytd.

>the "less" months na positive ang roi-ytd the lesser the chance na kumita ka ng malaki for the year.

*other examples

10,000 - principal
5,000 - gains

500,000 - investment
250,000 - gains

I hope that helps....................

Ripantnow · « **Reply #12 on:** Mar 14, 2011, 03:57 PM »

just incase i wanted to invest dito, any branch ba ng BDO or BPI ang pupuntahan ko? and about that performances, saan ko makikita yan? magkano usually tinatanggap nilang minimum amount para dito?

j_l · « **Reply #13 on:** Mar 14, 2011, 04:05 PM »

Quote from: Ripantnow on Mar 14, 2011, 03:57 PM

just incase i wanted to invest dito, any branch ba ng BDO or BPI ang pupuntahan ko? and about that performances, saan ko makikita yan? magkano usually tinatanggap nilang minimum amount para dito?

Any branch of bdo or bpi accepts or has trust services, so any branch will do. usually 10,000 lang ang pinaka minimum and bdo"equities" is 10,000 pesos lang, syempre the higher the investment the higher returns (50%), 10,000 rin yata bpi (not really 100% sure) sa" money market funds" usually 100,000 ang minimum pero katulad lang sya ng return ng bsp-sda mga less than 3%( a month) lang ang return nya.....

Post Merge: Mar 14, 2011, 04:09 PM

take note the 50% refers to the "around 10 month term" of the whole year hindi 50% monthly ha. kaya dapat mga 10 months mo iyon dapat naka-invest (parang time deposit ang datingan) pero 1 month lang ang minimum holding period non , so kung natapos na ang 1 month pwede mo na sya i-withdraw kung gusto mo lang.....

So sabihin na lang natin na 5% a month ang retun sa equities kung i-dedevide natin yung 50% sa 10 (months). pero hindi yun guarantee kasi ang pinaka peek n kita or percentage gains ay bandang oct-dec, kaya baka ilang percentage lang ang kita pag mga previos months non tapos sobrang taas na ng % sa mga months na oct-dec. pero sabi nga nila "buy low, sell high" bumili k ng units kung kailan mababa pa ang returns kasi mas maraming units ang mabibili mo at mas mataas ang kita mo kung maraming units ka na nabili.

bauer · « **Reply #14 on:** Mar 16, 2011, 01:50 PM »

Quote from: Ripantnow on Mar 14, 2011, 03:57 PM

just incase i wanted to invest dito, any branch ba ng BDO or BPI ang pupuntahan ko? and about that performances, saan ko makikita yan? magkano usually tinatanggap nilang minimum amount para dito?

please remember pwede rin mabawasan ang capital mo when returns turned negative. araw araw nagbabago ang price. wala ring PDIC insurance ang UITF investment unlike time deposit.