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PMT Forum's MOST POPULAR Discussion Boards => Mutual Funds / UITF / VUL Investing => Topic started by: iam on Mar 02, 2008, 10:38 AM

Title: How to Invest in UITF (Unit Investment Trust Funds) - Part 2
Post by: iam on Mar 02, 2008, 10:38 AM
Continued from: UITFs (Unit Investment Trust Funds) (http://www.pinoymoneytalk.com/forum/index.php?topic=1517.0) -Mod.



ask ko lng po since im a newbie here.. how do u compare the navpus of each institution? kasi iba iba po sila like sa bpi 100+ per share ung metro 1.24 something ung bdo 1000+ naman.. di ko gets how u compare...how do u know who is performing better. thanks
Title: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Mar 02, 2008, 11:12 AM
welcome iam!

to compare them, pick a time frame (say start of year or a year-to-date comparison).

get the navpus from the start of year (jan 02) till end of feb (feb 28). then just divide the current navpu over the starting navpu, then minus 1:

   (2,144.001700 / 2,481.135500) - 1 = -13.5879%

bdo:
   jan 02: 2,481.135500
   feb 28: 2,144.001700
   performance: -13.5879%
bpi:     
   jan 02: 104.320000
   feb 28: 93.240000
   performance: -10.6212%

for convenience, just use the TOAP calculator (http://www.uitf.com.ph/toap/calculator/Calculator.asp).

i-post ko na rin year 2007 performances for balanced funds:

bdo: 18.93%
bpi: 12.16%
metro cap growth: 14.36%
pnb mabuhay prestige: -0.02%
Title: UITFs (Unit Investment Trust Funds) - Part 2
Post by: iam on Mar 02, 2008, 12:55 PM
ok thanks po... big help..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bluegenes on Apr 10, 2008, 02:33 PM
I'd like to ask if any of you have tried investing in BPI's Global Equity Fund -- I have about 1k USD in my dollar account in BPI and am thinking of moving my savings into UITF. What other dollar UITFs have you guys tried? Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: haidee on Apr 17, 2008, 12:43 PM
^mine is with BDO Bond Fund
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tyronesolee on Apr 17, 2008, 03:11 PM
Hello,

I tried:
Metro Equity Fund
Metro Capital Growth Fund
BPI Equity Fund

View my blog site. I posted some of my experience in investing in both UITFs and Mutual Funds.


http://www.millionaireacts.com
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Nomad on Sep 12, 2008, 07:12 PM
Hello, newbie din po ako dito. Nag lurk muna ko for sometime before I decided to register. Mukhang maganda maging member dito at bukod sa maraming matututunan e daming mahihingan ng payo :D.

Pareho ni Bluegenes meron din akong konting dollars with BPI sa savings account. Di ako maka decide if I should hold on to my dollars at ilagay ko sa UITF (in dollars kung merong ganun?), or mas magandang ipalit ko na sa pesos tapos ilagay sa mutual fund.

Appreciate any guidance and advice. I'm an OFW who dreams of retiring comfortably sa Pinas in a few years' time.

Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jacque on Sep 17, 2008, 07:58 AM

Hello, newbie din po ako dito. Nag lurk muna ko for sometime before I decided to register. Mukhang maganda maging member dito at bukod sa maraming matututunan e daming mahihingan ng payo :D.

Pareho ni Bluegenes meron din akong konting dollars with BPI sa savings account. Di ako maka decide if I should hold on to my dollars at ilagay ko sa UITF (in dollars kung merong ganun?), or mas magandang ipalit ko na sa pesos tapos ilagay sa mutual fund.

Appreciate any guidance and advice. I'm an OFW who dreams of retiring comfortably sa Pinas in a few years' time.

Thanks!


as far as i know, UITF is nearly the same with mutual fund.  although MF under ng SEC while UITF under ng BSP. Kung long term naman target mo tingin ko kikita ang pera mo either UITF or mutual fund. Sa philamlife may ganyan kami investments you can email me jacq.peralta@yahoo.com if interested... thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gorgeous_mommie on Oct 14, 2008, 09:01 PM
ive had uitf at rcbc savings mga more than 1yr na ito.. was kinda disappointed kasi naman..in a yr time almost 300 lang kinita ng 10200 ko... hayyy.. kaya i pulled it out. san ba mas maganda? kahit 15k lang? then dagdagan ko nalang every mo. pls advice..tia
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Oct 15, 2008, 12:44 PM
           gorgeous_mommie,you should be happy that it didn't incur any losses just like everyone is experiencing right now.Are you investing for the short term or for the long term?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gorgeous_mommie on Oct 15, 2008, 01:54 PM
hello po.. if i could(fingers crossed) i wanna invest in a long term inv... para sa future...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Oct 15, 2008, 02:23 PM
@gorgeous-mommie
i think its better you leave it in rcbc, and start looking for another investment, and compare them, kung sino ang magperform better, you can join them together later...para d sayang...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: princessachiever on Oct 25, 2008, 05:17 AM
Mga gurus, help me naman. I invested last June sa UITF Dollar Bond Fund ng BDO at 127 and as we all know, pababa siya ng pababa these days. I am planning to pull it out kapag 113-114 na ang NAVPU then park it sa savings then ipasok ulit kapag umabot sa 100 ang NAVPU. Base sa reports, mukhang bababa pa ito sa Oct. 29. Ok bang strategy ito? First time ko lang kasi mag-invest sa UITF kaya nung kumuha ako hindi ko alam na mataas ang rate na 'yun.

Eto ang computation ko:

Total investment: 2000/127 (NAVPU) = 15.74
as of Oct. 24: 15.7480 x 114.1509 (NAVPU) = 1797.651
total paper loss: 202.348

1797.651/100 (expected NAVPU) = 17.9765

then ang eto ang expected ko kapag tumaas ulit ang NAVPU in the near future:

17.9765 x 127 = 2283.0155

so in effect, naggain ako ng 283.0155

ano sa tingin ninyo? i'm just a newbie sa pag-iinvest so please enlighten me. ok sana kung may extra fund ako pangkuha ulit kaso wala pa kaya ito ang naisip ko.


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Atoy on Oct 25, 2008, 12:50 PM
princessachiever,

Medyo ang timing mo ay hindi maganda. I also invested in BDO bond fund and money market fund. I pulled out a couple of weeks ago when it was around 126. I have already earned around 4k since 2006 and was lucky to pull out before it dive down to 114. Kung hindi mo gagamitin ang pera in the next couple of years, siguro mas maganda na iwanan mo muna(Gaano katagal ay hindi ko alam). Suggestion lang naman. Yung computation mo na hintayin mo muna mag 100/unit ay baka matagalan pa yan. Medyo high risk kasi ang bond fund compare to money market fund. Ang kagandahan lang ng bond fund ay mabilis din tumaas kung maganda ang stock market. Ang pagkaka alam ko kasi may certain percentage sa fund na sa ibang bansa sinusugal ang bond fund. Kaya asahan mong bababa pa yan. Hanggan 2009 pa yata ang pagbagsak niyan kaya huwag kang mabibigla kung mas malaki pa malulugi mo.

Ang ginawa ko sa akin ay nag pull out ako at inilagay mo muna sa treasury bond for 6 months at siguro after six months ay ibalik ko ulit sa UITF pag stable na ulit.

Atoy

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: princessachiever on Nov 06, 2008, 09:57 AM
^ salamat ng marami sa response mo. hindi ko na muna pinull-out at ngayon buti naman pataas na ulit  :yoohoo: charged to experience na ang lahat. dapat hindi magpadala sa emotions :D kung nag top up ako nung nasa 119 ang rate, ginansya siguro ako ng malaki. well, tuloy ang laban  :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Jan 07, 2009, 12:31 AM
the balanced funds i've been tracking are all in the red for year 2008 (of course!) except for pnb. here's their performance based on TOAP.

UITF Performance, Balanced Funds (Year 2008) (http://triviasofsubstance.blogspot.com/2009/01/uitf-performance-balanced-funds-year.html)

PNB Mabuhay Prestige: 3.20
BPI Balanced Fund: -27.08%
Metro Capital Growth Fund: -28.58%
BDO Balanced Fund: -41.37%
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mayeni on Jan 07, 2009, 12:50 AM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tyronesolee on Jan 09, 2009, 10:52 AM
It would be wise to invest now. You can later on recoup your losses by doing cost averaging.

If you want to know the differences between mutual funds and uitfs, i posted it in my blog site. You can check it.

http://www.millionaireacts.com/125/choose-mutual-funds-vs-uitfs.html
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mayeni on Jan 10, 2009, 02:16 AM
thanks for the advice tyronesolee. i do check your blog site from time to time. very informative.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Jan 17, 2009, 03:49 PM
I just checked recently the UITF's of diff banks particularly, AsiaTrust bank and Bank of COmmerce, for the past two months their UITF for peso is averaging 22% per annum...

Is this a good sign already??? Or too good to be true...

BUt I think this is better than time deposit since holding period is only 30 days, same as like u place them in time deposit....


BR,
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tyronesolee on Jan 17, 2009, 06:21 PM
Thanks mayeni  :applause:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Jan 17, 2009, 10:11 PM
@epic, the gains in the past months are due to a "bear market rally". "bear" and "rally" don't seem to go together, but sometimes traders take advantage of oversold readings (bargains), thus the market turns up. no guessing on whether this will continue to go up (the rebirth of the bull), or will go back to it's downtrend. that's a trader's problem.

so if you're a UITF investor, let them handle that. and if you have money to spare, cost average during these down times. remember, buy low, sell high.

caveat emptor: if this advice doesn't match your risk personality, don't take it. :watchuthink:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Jan 19, 2009, 05:00 PM
Will consider that..... Thanks...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Jan 24, 2009, 03:38 PM
Questions l like to ask some gurus here...

when you say Peso Bond fund, where do those banks invest our pooled funds in?

I'm asking this question cause I notice that for past 30 days, some banks netted an interest of almost 30% per annum or 2.5% per month for their Bond Fund UITFs....

Thanks for reply...


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Jan 26, 2009, 04:09 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Jan 26, 2009, 04:42 PM
Thanks sa reply, got the computation on % using the calculatot in www.uitf.com.ph

 :thankyou:

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mayeni on Jan 28, 2009, 03:11 AM
thanks for the suggestion, bauer. i will take that into consideration.  :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 28, 2009, 10:13 AM
Like for example sa BDO bond fund, from dec9,208 to jan9 2009,  ang gain for every 100,000 is 937, thats 11% per annum.

Im not connected with BDO. Share ko lang yun good investment experience ko.

Take note uitf doesnt guarantee fixed returns. Its possible na bumaba, yun nga lang may buffer na ako na gains, pag bumaba ill exit and move to money market fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: cpetaling on Jan 28, 2009, 08:57 PM
don't chase past performance. It's been said a lot of times that it's nearly impossible to consistently pick great fund managers apart from ones who are merely lucky.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dideg on Jan 28, 2009, 10:03 PM
^i agree with you cpetaling...mahirap talaga malaman kung sino ang magaling na fund manager.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 29, 2009, 12:20 AM
True, it only serves as a reference.

I hope PMT can also post the top UITFs for 2008 just like what it did for top mutual funds for 2008.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Jan 29, 2009, 08:49 AM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: verdandi on Jan 29, 2009, 09:49 AM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: MayGa_69 on Jan 29, 2009, 07:29 PM
hello mga igan out there....hangang hanga ako sa mga payo at suggestions ninyo....hihingi sana ako ng wisdom ninyo kung saan magandang i invest ang 5Million pesos. through banks, funds, bonds etc.....and criteria is ganito: more than 5 years hindi gagalawin; 100% insured at mataas and return. any suggestions? salamat ho.... :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: spidey on Jan 30, 2009, 08:30 AM

hello mga igan out there....hangang hanga ako sa mga payo at suggestions ninyo....hihingi sana ako ng wisdom ninyo kung saan magandang i invest ang 5Million pesos. through banks, funds, bonds etc.....and criteria is ganito: more than 5 years hindi gagalawin; 100% insured at mataas and return. any suggestions? salamat ho.... :thankyou:


sir if you really want 100% principal protected try AXA's Lock and Loaded & Philam's Winning Edge (both are variable universal life insurance aka VUL)

interest are not guaranteed depende sa market pero principal protected naman..

regarding sa mataas na return: medyo mahirap ata yun sir 100% principal protected tapos mataas ang return..

anyway kung ako may 5 Million ibibili ko na lang ng stocks ng GLO or MWC (5-7 yrs. waiting period)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: MayGa_69 on Jan 30, 2009, 10:08 PM
salamat sa advice...ilang% int per anum yung lock and loadad and philam winning edge? anong comapany pala yung GLO and MWC? magkano naman return in 5- years? hindi ba delikado mag invest sa equities ngayon?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: spidey on Jan 30, 2009, 11:57 PM

salamat sa advice...ilang% int per anum yung lock and loadad and philam winning edge? anong comapany pala yung GLO and MWC? magkano naman return in 5- years? hindi ba delikado mag invest sa equities ngayon?


sir no guaranteed return yung axa lock and loaded & philam winning edge..


anyway medyo risky nga talaga ang equities ngayon sir pero kung long-term mindset

it's actually a good investment.. well depende din sa age i'm only 28 kaya long-term

investment horizon meaning at least 10-20yrs.

******

GLO - Globe Telecom Inc. P835/share
52 Week High     1,650.00

if you buy GLO today @ P835/share it would cost you P4,941.427.31 (5,900 shares)
then assuming after 5 yrs. GLO recovers @ P1,200/shares
you will earn P2,081,720.31 (dividends not yet included)

******

MWC - Manila Water Company, Inc. P10.25/share
52 Week High     19.25

if you buy MWC today @ P 10.25/share it would cost you P4,934,907.60 (480,000 Shares)
then assuming after 5 yrs. MWC recovers @ P17/shares
you will earn P3,159,567.60 (dividends not yet included)


guys,

i cannot speak for all of you but i hold MWC shares since IPO.  For me, dividends are good and share price is ok in the long term.  These are short term market volatility only.  It's an opportunity to buy.  I'll buy again at 9 per share.

I projected this shares to achieve at least 50 before year 2015.  Anyway, this is my opinion based on my own analysis.  you can do yours. it's up to you to decide.


Source (http://www.pinoymoneytalk.com/forum/index.php?topic=17423.0)

kung magkatotoo yung prediction ni sir bauer then kikita ka ng P18,872,372.40 on year 2015

huwag mo akong kalimutan sir MayGa_69 ha.. hehe  :D



NOTE: actual return maybe lower or higher



Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ajik on Feb 02, 2009, 05:43 PM
^hehe ke sir bauer pala galing yung prediction! sir spidey, yan din ang mga sinasabi dun sa stocks board... that stocks investment will outdo any VULs, MFs or UITFs in this case, these vehicles are huddling into dividend paying stocks as well.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Feb 02, 2009, 06:38 PM
             ^^ parang gamble tong prediction na to , inde kaya ng puso ko  :D.

             ajik,naglagay pala ako sa money market ng BDO,balitaan kita after 1 month.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ajik on Feb 02, 2009, 07:16 PM
^talagang nagsisiguro ka ngayon ma'am ah!

btw, me thread ka ba ma'am about Philequity? esp regarding their index fund? ETF (Exchange Traded Fund = Index Fund?) ba un? mas malapit ba sa UITF ang isang index fund o MF? Thanks ma'am! (for always patiently answering my almost never-ending questions! haha!)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: CondoInvestor on Feb 02, 2009, 08:55 PM
Wow, parang Cashflow!  Goodluck, stock investors
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ajik on Feb 03, 2009, 09:43 AM
^salamat sir CI! sa cashflow workshop! goodluck sa lahat! more blessings!
(sorry Off Topic lang hehe)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Feb 03, 2009, 10:22 AM

^talagang nagsisiguro ka ngayon ma'am ah!

btw, me thread ka ba ma'am about Philequity? esp regarding their index fund? ETF (Exchange Traded Fund = Index Fund?) ba un? mas malapit ba sa UITF ang isang index fund o MF? Thanks ma'am! (for always patiently answering my almost never-ending questions! haha!)
yung sa philequity mutual fund ko inde ko na alam kung anong nangyayari,ayaw ko tingnan muna,takot ako. :ninja: tingnan ko na lang sya pag umokay umookay na ang stocks.sorry,wala ako alam about their index fund.ang alam ko lang yung uitf may similarity sa mutual fund,pwedeng short term nga lang ang uitf kasi 1 month lang pwede mo na sya ilabas na walang fees unlike sa mutual na dapat 2 yrs para ma waive ang exit fees.kapapasok ko lang  sa money market ng bdo which was suggested to me by a co poster here.

           you're welcome ajik and thank you rin for reading my posts.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: spidey on Feb 04, 2009, 05:33 PM

             ^^ parang gamble tong prediction na to , inde kaya ng puso ko  :D.

             ajik,naglagay pala ako sa money market ng BDO,balitaan kita after 1 month.


parang sugal ba.. hehe

anyway

GLOBE declares P32/Shares semi-annual

sa ex. ko sa taas yung P4,941.427.31 (5,900 shares) ni sir MayGa_69

makakatanggap si sir ng P188,800 every six months or P377,600 annually

that's 7.64% P.A.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: troybol on Feb 05, 2009, 10:38 AM
is there a website that is monitoring all the current daily NAV of the different UITF here in the philippines? i cant find one in the BSP website since i assumed it is the one regulating all the UITF's here. for mutual funds, you could monitor all the daily NAV from the PSE website. im trying to find a website that is similar to the PSE one. hope someone can help
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ajik on Feb 05, 2009, 11:50 AM
is there a website that is monitoring all the current daily NAV of the different UITF here in the philippines? i cant find one in the BSP website since i assumed it is the one regulating all the UITF's here. for mutual funds, you could monitor all the daily NAV from the PSE website. im trying to find a website that is similar to the PSE one. hope someone can help

^sabi nila ndi daw po regulated ang mga UITFs... tama ba yun?
TOAP for UITFs & ICAP for MFs, being resource associations, are they also considered regulating bodies? Thanks!

http://www.uitf.com.ph/
http://www.icap.com.ph/
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Feb 05, 2009, 12:12 PM
UITF under ng BSP while MF ay under ng SEC
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ajik on Feb 05, 2009, 12:18 PM
thanks for the clarification sir!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: troybol on Feb 05, 2009, 12:23 PM
It seems that the website uitf.com.ph is the best available for now to monitor all the current NAV of the different banks, but it pales in comparison against the website of SEC. also, i cant access some of the site's features.

but what im looking for is a comparative list of all the banks daily uitf for the past week like the one in the sec website. nevertheles i pray that the BSP will incorporate it in their website
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Feb 05, 2009, 08:16 PM
              ^troybol,thanks for sharing UITF's website,kakalagay ko lang a week ago and i didn't know where to check the current NAV until you posted it here :hello:.i checked on today's NAV of my uitf  money market fund ng BDO and kumita na ako ng 594 pesos,pwede na pang jolibee ng pamilya ko sama pa si inay at si sister :D.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Feb 05, 2009, 10:23 PM
http://www.uitf.com.ph/
 (http://www.uitf.com.ph/)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Feb 06, 2009, 09:59 AM
             ^ajik,ikaw pala nag post din ng website ng UITF sa taas,inde kasi ako nag backread,thanks sa inyo :D.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Bp22estafa on Feb 08, 2009, 01:18 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Feb 09, 2009, 05:07 PM
bp22estafa,

1. choose the bank that you have complete confidence.  Then, select the best uitf that they offer.

2. Navpu theoretically speaking does not affect bank interest rate. In actual situation it looks like it is in the same boat. I don't know why most of the banks' navpu are performing that way.

4. if you pertain to equity funds of UITF, it means that your funds will mostly be invested in stocks of listed companies.

good luck
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Feb 10, 2009, 04:54 PM

I'd like to ask if any of you have tried investing in BPI's Global Equity Fund -- I have about 1k USD in my dollar account in BPI and am thinking of moving my savings into UITF. What other dollar UITFs have you guys tried? Thanks!


i have some investment with global equity fund. it's cheaper right now compared to a year ago.  it's a long term investment 10 to 15 years time frame
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: litb on Feb 14, 2009, 04:31 AM
May konting savings na kami para sa daughter ko. Is it okay ba if we put it in UITF and leave it there until nasa right age na yung baby ko? by the way, 2 years old pa lang baby ko this april.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 18, 2009, 12:46 PM
For those who have UITF's who have lost around 30 to 40% value on their placements...what have you done? pulled out? weather the storm?

Whats the outlook ba? would it be back to where it was in 2 to 3 years? Parang the recession/ depression will end only after 2 years..then tsaka mag pickup again.

Option 1 - pull it out and go for banks TD's, at least after 5 years. mabalik man lang yung capital.
Option 2 - invest more on UITF's now..para mas madali maka break even once the market takes off. (cost averaging)
Option 3 - Or just forget about it. Do nothing.
 :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Feb 18, 2009, 01:16 PM
           ^^Don't,did you invest in lumpsum or did you do cost averaging?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 18, 2009, 02:05 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Feb 18, 2009, 06:00 PM
May we know what bank and kind of UITF you have placed before? Sorry to hear that predicament u have, but the best thing to do is to wait a little more.... That's just me....


BR,
epic
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 18, 2009, 06:36 PM
BDO Balanced Fund.  :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Feb 18, 2009, 08:54 PM
Dont, kelangan mo na yun money? Pag not pa and its only a small percentage of your portfolio,i think just keep it there. Akin lang.

Lahat naman ng balanced fund and equity fund be it UITF or mutual fund puro down.  
I wonder kung may nagiinvest pa now...

Its really hard to say, on a bear market, people will say this is best time to invest kasi its so low. But how low is low, what if it gets lower? On a bull market, people will say its the best time to invest kasi its going up, but who knows if it has reached its peak na or not?

Seek advice, but ultimately you have the last say.  





Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 18, 2009, 11:21 PM
I have followed naman yung rule na only place money na I would not expect to use or need for the next few years. Still its only paper loss.  :coffee:

But it is a significant percentage of my portfolio. Unfortunately I have shifted some of my UITF's from less risky to more risky funds..like BDO's Balanced fund.  :fight1:

I do understand naman na we have a global recession. Kaya everybody is affected. Its not your normal Bear market..its probably one of those one-in-a-lifetime market crash.   :rant:

Just wondering what other options are out there. I am really leaning now to invest more at this level..so that if I average..I could pull them out earlier at a lower navpu (kahit break even na lang) . But..the big question is..nag bottom na ba tayo?  :ows:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Feb 19, 2009, 12:01 AM
nobody knows.

you have two scenarios when you buy at this level:

you buy more now, and stocks rise. all good.

or, you buy more now, and stocks fall further. can you take it? can you live with that decision? what's your plan B? as long as you can answer this confidently without regrets, take this option. else, don't add any more.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Feb 19, 2009, 02:02 AM

I have followed naman yung rule na only place money na I would not expect to use or need for the next few years. Still its only paper loss.  :coffee:

But it is a significant percentage of my portfolio. Unfortunately I have shifted some of my UITF's from less risky to more risky funds..like BDO's Balanced fund.  :fight1:


Have you tried diversification? Sa philippines kasi, kahit you put it in any funds isa lang ang pinag iinvest nila (the Phil equity market)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: daimos on Mar 11, 2009, 03:52 AM
Question lang po...what if your certification of trust got destroyed by time, fire, etc...especially those planning to keep the certificates for a long time...how can you prove and know that you are the owner of a specific number of units sa bank?

Another question is...pano pag namatay ka? makukuha ba yun ng asawa mo or anak mo?

thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Mar 16, 2009, 04:54 PM
good question....

I think as long you can prove your the owner or the same person whose name is printed on the certiificate by legal means, there's no problem about this... But this is a case to case basis especially if you have known the branch manager for a long time, even if she has transferred to another branch.

On the beneficiary thing, BDO required that for every deposit or placement you made on thier bank, you need to specify a beneficiary on the clients enrollment form... as for other banks, It is wise to make the placement in the name of two persons using " AND/ OR" such that in case somethin happened to one, the other can easily withdraw or whatever to the funds..

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mayeni on Mar 19, 2009, 05:07 AM


On the beneficiary thing, BDO required that for every deposit or placement you made on thier bank, you need to specify a beneficiary on the clients enrollment form... as for other banks, It is wise to make the placement in the name of two persons using " AND/ OR" such that in case somethin happened to one, the other can easily withdraw or whatever to the funds..




hmm... i have balanced fund and money market account at BDO. they did not let me indicate the beneficiary... may be i should visit the bank again and inquire. thanks for this info.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gnparaoan on Mar 21, 2009, 01:27 AM
Ive been viewing yur logs for quite sometime,and ive learned alot. Im 28 years old, and sad to say ive only learned about Mutual funds and money investment strategies last 3 years. Im still learning the ropes on bond funds, keep it up guys  :applause:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Mar 29, 2009, 07:36 AM
guys do you have the data kung sinong UTIF ang somehow best performer these days? Thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: squatt3r on Mar 29, 2009, 09:42 AM
ahock mukhang malaki kita mo dyan ah at naghahanap ka ng mapaglalagyan ng pera
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Mar 29, 2009, 11:31 AM
sira ulo...... may BDO kasi ako balance laki na kugi and from UITF parang konti lang nag ooffer kaya I want to know the performance nila
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Mar 30, 2009, 12:34 AM
hope this helps, though it's not exhaustive: UITF Performance, Balanced Funds (Year 2008) (http://triviasofsubstance.blogspot.com/2009/01/uitf-performance-balanced-funds-year.html)

or, you may go straight to UITF Online (http://www.uitf.com.ph/).
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mojoStream on Apr 06, 2009, 09:29 PM
yun nakalagay na addtl. contribution amount like 10,000 ay minimum ba yan?
after the lock-in period lng ba maka-invest ng addtl amount or anytime pwede?
everytime maglagay ka ng addtl amount bibigyan ka ng bagong certificate?

pasensya na daming tanong  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: foolcha on Apr 06, 2009, 09:55 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Apr 14, 2009, 03:46 PM
sorry to disagree foolcha,

falling interest rates does not mean that bond funds will rise in value.  It may happen but it may also not happen.  bond funds may increase and decrease in value depending on market condition (buyer/seller, prevailing bond rates, economic condition, emotional or supervening events).  At this point, anything can happen  without a good explanation supported by economic indicators.

My suggestion, just study each funds being offered by investment houses.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gundam on Apr 14, 2009, 09:44 PM
can anyone explain how and when the bank/trust make money from providing the uitf?
thanks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Apr 20, 2009, 01:23 PM
the bank or trust company is making money by charging professional fees.  It is usually a percentage of the earnings.  In the US, the charge is a range of 1 to 2.5% of the total revenues.  In our country, it is not clearly stated by our banks.  Aside from this, the banks or trust company usually charges overhead cost of their operations.

To simplify, you are an investor with enough cash but you have no time to do the investment yourself, so you hire an investment manager to do the work for you.  In exchange, you pay a fee even if the investment makes money or not.

The catch?   you do not usually control where they put your money and how much exactly they charge you for fees.  You just trust them because they are usually big banks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gundam on Apr 26, 2009, 10:53 AM
yes, but when during the transaction are you charged?
as i understand it you pay the nav to buy, and you receive the nav when you sell.
when does the bank get paid?
thanks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: workoshore on Apr 26, 2009, 03:17 PM
^sa mga nabasa ko sa mga nagooffer nga ganyan,,,inaawas na po lahat ng fees pati na tax kung meron man,,,kaya po you get the NetAssetValue/Share or NetAassetValuePerUnit whether you buy or sell... :book:

cheers... :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: foolcha on Apr 27, 2009, 02:23 AM
@ bauer

I agree with you, you are right. Interest is only one factor, there are many other factors that could affect bond prices and sometimes price change without explanation.

@ gundam the charge is already computed in the NAVPU.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gundam on Apr 28, 2009, 05:52 PM
If I bought the uitf on jan 1 2009, and through some strange coincidence the value of the assets it holds don't move for one year.  The nav on jan 1 2009 will be the same as the nav on jan 1 2010?  So if i bought at 1000, and I sold at 1000, I would have gotten all my money back, when did the bank get paid?  

(sorry kung makulit, im just trying to figure this out)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Apr 28, 2009, 08:56 PM
if same ang NAV parang kumita na din ang bank kasi in every operations may expenses lagi so if they just keep our money in the vault technically dapat bumaba ang NAV but sa example mo same lang in a way kumita ang bank and yung kita napunta sa fees.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gundam on Apr 29, 2009, 10:34 AM
so if the value of the investments stay the same, the nav will keep going down daily to pay the fees/expenses of the bank?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: workoshore on Apr 29, 2009, 02:49 PM
definitely po,,,kasi sa malugi o kumita,,,alisin na nila yong mga fees... :hello:

ika nga business is business,,,walang personalan, trabaho lang... :hihi:... :boxing:

example po diyan yong huge outcry sa US sa AIG...salary/bunos to retain the "porwisyonnel" kasama na sa expenses...bagsak na nga diba, pero still getting the monnie$$$...

cheers... :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on May 23, 2009, 12:33 PM
A sudden spike UPWARD not downward for BDO PBF this week......

now thats good news....

BR,
epic
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on May 23, 2009, 11:40 PM
epic,

YA!!!! I was so surprised! 15pts in one day , kala ko nga inout error ng bdo personnel e, naka minijackpot ako heheheh This is the first time if im not mistaken that a PBF increased that much in one day... i wonder how other bond fund performend for the past week.

Share naman dyan if anybody knows, be it UITF bond fund or Mutual Fund Bond fund

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on May 28, 2009, 05:19 PM
buti napadaan ako dito para maupdate ko yung fund ko  :D i got 10% haha.... thank u goodsteward hehe i will sell it tomorrow and start ulit next time, kapag bumaba ng konti...anyway which bond type u invest ur money on bdo? i have it in fixed income kaya mababa alng ang pagincrease, but still happy about it....

ot. musta ka nga pala gs and si achie winnie musta?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on May 28, 2009, 07:02 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on May 28, 2009, 07:11 PM
haha achie winnie...i miss u....  holiday ngyon sa china, and medyo masama ang panahon, i am also starting to invest in stocks maybe next week,  i need to start making a passive income, anyway nagulat din ako kasi yung placement ko ng mf last year oct, ngyon lang nakarebound ng 20pts kaya benta ko agad, then will use some of the money sa stocks...pero syempre will invest in mf padin....baka sa bdo dagdagan ko yung fixed income ko....

ikaw bdo rin db? kamusta ka na dyan?  :-*
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on May 28, 2009, 07:23 PM
                   money market lang sa akin sa BDO just to park my funds para pag may magandang offer na TD,tier or commercial papers may available funds ako.ang mutual fund ko is Philequity(equity fund) and Kabuhayan( balanced fund),i am thinking of investing in China mutual fund here in Taiwan,mag timing lang ako kasi ang taas na nya so baka mag cost average ako para safe tapos pag bumagsak sya tsaka ako mag lumpsum.Take care ha,oks lang kami dito,thanks for asking.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on May 28, 2009, 07:37 PM
taiwan citizen ka nb? kasi dito sa china i cant join mga bond eh, for local lang talaga, pero i never tried to place on one of their offer, meron sila dito na parang fixed income na bond, havent tried to ask for kung pwede ang foreigners...pero nakafix na maliit ang interest daily, yun nga lang compounding kasi ang dating nya, so parang psych mo lang sarili mo na meron pumapasok na pera sa iyo daily, yun nga lang binilang namin nung kaibigan ko in one month na 10k and deposit mo parang 1-5rmb ang kikitain mo =] nakakatawa pero parang kinokonsider ko ito hehehe

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on May 28, 2009, 08:26 PM
        Well,goodluck sa mga investments nating lahat,sana matapos na tong crisis na to.balitaan na lang po tayo about our investments. :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on May 29, 2009, 01:24 AM

buti napadaan ako dito para maupdate ko yung fund ko  :D i got 10% haha.... thank u goodsteward hehe i will sell it tomorrow and start ulit next time, kapag bumaba ng konti...anyway which bond type u invest ur money on bdo? i have it in fixed income kaya mababa alng ang pagincrease, but still happy about it....

ot. musta ka nga pala gs and si achie winnie musta?


Hey Poorguy! Tagal mo nawala sa PMT a, musta na? What were u doin all these days?  :D

No prob, di ko rin akalain bumulusok bigla Bond Fund ng BDO,  my trust investment with BDO is money market and Bond fund. Medyo low risk muna ako and park funds sa BDO, tama ka poorguy, I got around 1000+ for every 100,000 last month, sna laging ganun heheeh... I was planning to move it out and park it sa money market pero on second thought iwan ko muna dyan, bahala na, bumababa na kasi money market kasi Bangko Central keeps cutting rates...

Nice seeing you back again poorguy!!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: editas_farm on May 29, 2009, 02:26 PM
i just got in sa uitf metrobank specifically sa peak earner, is there anybody who is in the same boat as mine thanks  :coffee: :coffee: :coffee:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: epic on Jun 02, 2009, 04:47 PM
Panget ang Metrobank PE now....

better if you put it in BDO PBF...


BR,
epic
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 03, 2009, 10:55 PM

Hi guys, just sign-up here in PMT. Hopefully someone will answer my questions regarding UITF.

1) If I place Php 50,000 sa BDO Balanced Fund last May 4, How much is my money in terms of peso this June 1, 2009?

May 4 NAVpu = 1,624.033200 (eto talaga yung NAVpu last May 4)
June 1 NAVpu = 1,742.876200 (eto talaga yung NAVpu last June 1)

Hopefully, may mag-illustrate ng computation. Really need your help guys. Thanks a lot.  :thankyou:


Around 53658 if i computed it right. You earn 3,658 for the given period

Formula : Investment amount / NAVPU during time of placement * Current Navpu

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: redshift on Jun 07, 2009, 05:09 PM
I wonder which institution has the lowest fees & commissions?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Jun 07, 2009, 05:39 PM
^redshift, that's secondary. it's more important that the fund performs. i think the fees & comms in between funds are already competitive, thus little difference.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 07, 2009, 06:05 PM
30 days ba ang standard holding period ng new top up sa lahat ng UITF?

Maganda rin kayang mag peso cost average technique dito?  Kesa subaybayan mo bawat stocks?


 :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 07, 2009, 07:42 PM
^Sir Ping, ya pwede rin magcost averaging, pagka alam ko yun money market and bond fund ng BDO 100,000 every top up though, medyo mabigat  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 07, 2009, 07:46 PM
Aray ko, ambigat nga.

Wala bang parang COL, P5000 lang?!?


 :help:


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 07, 2009, 08:33 PM
^I think yun balanced fund mga 5,000 indeed if i recall right, anyone correct me if im wrong  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jun 07, 2009, 10:52 PM
^ Fixed income, Balanced and Equity funds ay 10k po ang minimum investment, at 10k din po ang top up.

 :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: julian12 on Jun 09, 2009, 08:51 PM
Uy ang taas naman ng Kita..ganun ba talaga ang level ng income dyan sa BDO fund na yan?? Also i have a question, i used to be an OFW and is planning to go abroad again, OK lang ba sakin mag invest sa mga UITF kahit wala ako sa Pilipinas? O kailangang ako ay nandito para ma-monitor ung value ng fund at makagawa ng mga mahahalagang desisyon?

saka magakano pala ang Minimum sa BDO Balanced Fund???



salamat..



Around 53658 if i computed it right. You earn 3,658 for the given period

Formula : Investment amount / NAVPU during time of placement * Current Navpu


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jun 09, 2009, 10:32 PM
^ Its ok if you are an OFW..just let your wife or a relative get an UITF  for you..pero if you are already abroad..you cannot do it from there.

10K is the minimum for BDO Balanced Fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: AbysmalSpecter on Jun 09, 2009, 10:36 PM
What's the holding period of BDO's Balanced Fund?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: julian12 on Jun 09, 2009, 11:08 PM
Hello,

narito pa ako sa Pilipinas so pwde akong makabili nung bond. Pero ang problema ko kasi di ba may mga pagkakataon na dapat mong kuin ung pera mo sa kanila dahil bumaba nang masyado ung valor nung investment mo at gusto mong ipasok ung pera sa iba, pwde bang gawin un ng nanay ko kahit ako ang nag-invest?

salamat.


^ Its ok if you are an OFW..just let your wife or a relative get an UITF  for you..pero if you are already abroad..you cannot do it from there.

10K is the minimum for BDO Balanced Fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jun 09, 2009, 11:47 PM

Hello,

narito pa ako sa Pilipinas so pwde akong makabili nung bond. Pero ang problema ko kasi di ba may mga pagkakataon na dapat mong kuin ung pera mo sa kanila dahil bumaba nang masyado ung valor nung investment mo at gusto mong ipasok ung pera sa iba, pwde bang gawin un ng nanay ko kahit ako ang nag-invest?

salamat.


Nope..so better..nanay nyo na ang pumirma..or kapatid nyo. otherwise..keep it there na lang..pang long term naman ang UITF. Funds iyun bro..hindi bonds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 11, 2009, 07:38 AM
Saan po kaya makakakita ng historcal monthly NAVPUs ng ng UTIF, say ng BDO?



 :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jun 11, 2009, 08:36 AM
Sir Ping, click nyo po etong url na to: http://www.uitf.com.ph/toap/Matrix/index.html

Dito ko rin nabasa sa PMT ang tungkol sa TOAP, kaya lang napabaon na yata sa dami ng posts at threads.  Ang hirap naman magback-read para hanapin.

Hope this helps.

 :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: julian12 on Jun 11, 2009, 06:34 PM
sorry may tanong uli me.

since i will be working abroad again, ano ba ang magandang UITF investment, dun sa website ng BDO merung iba-ibang UITF na di ko naman maintindihan. the others have PHP10 k minimum which is ok for me kasi i dont want  to put down 100K which some other funds require. so since di me makakbalik dito for 2 years, anong pinakamagandang fund ang pwde kong paglagyan ng pera, say mga PHP20K? and mag-e-earn ba un ng "interes" kagaya ng sa bangko kapag mas pinatagal ko pa with them?

salamat :welcome:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 11, 2009, 06:51 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jun 11, 2009, 07:22 PM
^  Try nyo po ulit?  Weird, Sir, pero kapag ang i-click nyo e yung url sa quote nyo e gumagana.  Pero kapag yung url sa mismo kong post e hindi!

Nakakaloka...   :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jun 12, 2009, 01:10 AM

sorry may tanong uli me.

since i will be working abroad again, ano ba ang magandang UITF investment, dun sa website ng BDO merung iba-ibang UITF na di ko naman maintindihan. the others have PHP10 k minimum which is ok for me kasi i dont want  to put down 100K which some other funds require. so since di me makakbalik dito for 2 years, anong pinakamagandang fund ang pwde kong paglagyan ng pera, say mga PHP20K? and mag-e-earn ba un ng "interes" kagaya ng sa bangko kapag mas pinatagal ko pa with them?

salamat :welcome:

Ang pagkakaiba po ng mga UITF's ay yung risk ko nila..meron pong mga UITF's na constant ang pagangat..like Moneymarket..pero limited lang po ang increase niya..mga 2 to 3% lang per year...
Pero kung gusto nyo ng mas mataas..yung mga Balanced fund po..pero malaki din po ang risk na after two years..bumaba din ito..

Ang trick lang po dyan is..invest money that you think you will not use in the immediate future..para you don't have to pull it out while the value is low.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 12, 2009, 06:41 AM
@momma,  parang ayaw pa rin eh.

@DonT, so di rin pala magandang i Peso Cost Averaging ito?  Kasi maliit din ang returns?  Dapat medyo long term talaga, para pag nag compound ka?  Pero 2-3% a year lang ba yield ng UITF?  

Yun sana ang gusto kong makita sa HISTORICAL records, kung aling instrument ang mas ok ang yield?
 :help:


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 12, 2009, 07:07 AM
Thanks DONT and homeschoolmomma, i stand corrected, BDO balaced fund minimum is 10,000 pala. I used to place there before the crisis and pulled it out just when the crisis started. Sisi ako that around 7 pecent or even more ang return ng income ng balanced fund for the past month alone and i wasnt able to hop in.......
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 12, 2009, 07:22 AM
Oo nga eh, alam ko medyo "malikot" ang mga UTIF, Balance Funds, and the likes, but not sure how much.  Kaya hanap ako ng mga may minimum top up.  Para maski monthly, kaya kong maglagak ng pera, parang forced savings.  Usually naman, after 30-45 days, withdrawable na anytime eh.


@GoodSteward, any suggestions, para sa cost averaging?




 :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jun 12, 2009, 11:13 AM
            ang napapansin ko sa mutual fund ko mas malaki ang tinataas ng equity fund ko kesa sa balanced fund ko but i dunno with UITF.

            Ping pwede ka naman mag cost averaging na kasi 10k lang naman ang minimum sa uitf balanced fund,monitor mo na lang kasi nabasa ko sa news about finance about the CHA CHA ma apektuhan daw ang stocks before the elections,kung ganun pwede mo naman kagad labas ang pera mo since 1 month lang naman ang holding period nya at wala syang exit fee unlike sa mutual funds.paglabas mo ng pera antayin mo ulit bumagsak tsaka ka mag start ulit maglagay.the way i play with my mutual funds kasi i go long term,i am making placement every month sa MF ko at pag na reach nya uli ang top,ilalabas ko yung mga pera ko naka 2 yrs na(to be exempted from exit fee) and i know kumita na yun talaga,tapos patuloy pa rin ako maghuhulog.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 12, 2009, 11:39 AM
Anong company gamit mo achie wintan2006?

Yun kay Chairman rainmen po ba?
 :thankyou:

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jun 12, 2009, 01:26 PM
          philequity po ako Ping.yung balanced fund ko is kabuhayan fund.stocks medyo ok ng kaunti ngayon kaya mas mabilis ang taas ng equity fund.
 
          yung kay rainmen if you are pertaining to Philam fund,nabenta ko na sya before bumagsak ang market,nag lumpsum ako nun 500k.kumita ako ng 90k in less than 1 yr.sinwerte ok ang timing at out ko.kaya dapat monitor mo rin,kaya inde ako naniniwala sa mga DAPAT 7 yrs nakalagay dun,what if ika 7 yrs nya eh bagsak ang market paano mo ilalabas ang pera mo ng lugi ka.kung inde ko nilabas pera ko nun ,yung kinita kong 90k ,iluluwa lang uli kasi pababa ang market nun.so ano ang mangyayari,aantayin ko uli tumaas ang NAV God knows when bago ko sya kitain uli,you have to take into consideration ang inflation pa.normally kasi bumabalik sya within 3 to 5 yrs.so nangyari nun nilabas ko pera bago bumagsak,antayin mo bagsak na bagsak tsaka ka pumasok,and since inde pa masyadong stable ang market,mag COST AVERAGE KA.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jun 12, 2009, 02:25 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 12, 2009, 02:39 PM
@momma, Ayun, ok na po!    Salamat ng marami.

@achie wintan2006,  hanap nga ako magandang vehicle para mag cost averaging nga sana.  2-3 years maybe.  Para anytime may need ng funds, mas madali i withdraw.


 :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 12, 2009, 08:30 PM
Sir Ping, i actually dont do cost averaging but im considering to do so with BDO Balanced Fund, m just thinking kung ok, kasi duwag tayo sa investment, id rather have a lower fixed income portfolio than a high risk high return portfolio.

Regarding sa Cost averaging, besides which instrument ang OK, i think another factor to consider is yun convenience on your part, like location, agents etc...

And agree ako kay Sir Wintan, for me there is no such thing as long term investment. Im pertaining to variable income and not fixed income) I have a friend who had PETRON shares almost 10 years ago or even more than 10 years na, until now, papel pa din, di na nakabangon yun price ng share ng petron dun sa "purchase" price nya.  I cited example usiong stock, pero ganun din uitf and mutual fund for me, kasi they invest it naman sa stock market natin here specially for the balanced fund(partially) and equity fund. Timing is the key. Pero yun din yun mahirap.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Jun 13, 2009, 09:33 AM
@goodsteward

musta bro..=], sorry para akong gary v. maya maya nawawala and bumabalik, eto nanaman ....corny ko na..... pwede ba gawin sa bdo yung isang account but different funds? ngyon kasi naka fixed income lang ako sa bdo, and upon reading your post parang nagulat ako money market =].....

i tried ing bank din. placement nga lang is 100k for the phil equity fund nya.... sayang i pull out my investment early, ngyon its should double my interest sana =[.....

tip ko lang, its better to check the history nung company about their performance using the www.uitf.com.ph, para u know how they have a better review of ur investment =]
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jun 13, 2009, 12:50 PM
        ^sosyal ka pa Gary V pa pinili mo to describe you,para kang PALITAW,lulubog lilitaw :D.

         PG,money market kasi medyo stable sya,slowly but surely ang pagtaas nya,it averages 4 to 5% per annum ang kinikita(depende kung kailan ka pumasok),better than savings deposits.better to place your money here if you are still looking for other investment vehicle since you can take it out anytime  without any fees,there's no holding period for this.I placed 5ook sa money market ng BDO last January kasi wala pa akong paglalagyan that time.then eto i reserved na for RObinson's land corp(corporate bonds),i will take out my money from BDO money market to buy RLC bonds.

          about your question kung pwede mag invest sa different kinds of UITF offered by BDO,i guess pwede rin kasi iba iba naman silang UITF funds at iba iba naman ang pinaglalagyan nila.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Jun 13, 2009, 01:12 PM
aba syempre achie...kailangan pasosyal tayo minsan =]  :-* miss u.....

so pwede ko i keep yung fixed and maglagay din ako sa money mrket at the same time.... in one account lahat?.... natuwa ako sa mf hehehe, kaya parang ineexpect ko din makapasok ulit sa paginvest, pero parang nasa rally point kasi ngyon mahirap pumasok ....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jun 13, 2009, 01:42 PM
 ^ syots,inde ko get yung one account na sinasabi mo.different funds yan so hiwa hiwalay ang contract nya.

     OT:pm mo sa akin kung may "nui pheng yo" ka na ha?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 13, 2009, 03:06 PM
tama si wintan poorguy, kasi iba talaga yun money market sa bond sa equity fund. Actually di na account tawag dun i think. If you place 2 different times even same fund say money market fund, dalawang certificate hawak mo, so kada placement may isang certificate...

Poorguy, unpredictable ka na, kelan ka kaya uli disappear? hihihi
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Jun 13, 2009, 03:11 PM
hey good steward just a comment. Im not sure what really happened sa Petron and even from my Mom na MERALCO. Same scenario kasi yung sample mo sa nanay ko na Meralco. She bought ata at 200++

When I asked her what really happned sabi nya buy sya from SSS that time but after that all she thought ok na. Im asking her details like dilution or something. Baka kasi nag stock rights tapos di sila nag avail. I really cant say but one thing is check nalang ang outstanding shares that time and earnings vs what happen now. Im sure along the way something had happened.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 13, 2009, 03:39 PM
onga e, pagkaalam ko bumaba lang talaga yun stock n di na umabot sa purchase value ng fren ko. Kaya i dont buy the idea of long term investment. Yea, there are long term na kumikita, and theres also long term na sablay, its really about timing.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: workoshore on Jun 13, 2009, 04:30 PM

hey good steward just a comment. Im not sure what really happened sa Petron and even from my Mom na MERALCO. Same scenario kasi yung sample mo sa nanay ko na Meralco. She bought ata at 200++

When I asked her what really happned sabi nya buy sya from SSS that time but after that all she thought ok na. Im asking her details like dilution or something. Baka kasi nag stock rights tapos di sila nag avail. I really cant say but one thing is check nalang ang outstanding shares that time and earnings vs what happen now. Im sure along the way something had happened.


OT:
I had Petron during IPO thru SSS stock options, price that time is Php9, price to date Php 5.70, cash dividend to date Php5,280, stock dividend 1,400 shares...

so acquisition cost is Php14,400 (1,600 shares), to date value Php 22,380 (Php17,100 for 3000 shares plus Php5,280),,,hence net to date is Php7,980,,, :watchuthink:

for your comparison lang po,,, :book:

cheers... :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: madoff on Jun 13, 2009, 05:09 PM
Yup, also for comparison purposes, i bought Petron IPO @ 9.00 sold after a few days at 26. That's  a good example of timing. No offense meant to Sir W, I simply got lucky back then. No way I would have known that it would be worth only 16.00 today.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ping on Jun 14, 2009, 12:45 PM
I tried to use the historical data of BDO Balanced Fund, and use the Peso Cost Averaging.  Parang di rin masyado ok ang yield eh.   I used the span from Jan 1, 2004 up to May 2009.

Kunwari, I bought using P10,000 on a monthly basis.

Ang yield is only 10% over 5 years!!!!   Kasi nga akyat baba sya eh.  Pero counting 66 months from Jan 2004 up to present, P660,000 ang cash out (not counting fees), the current value would have been only 725K today, roughly 404 shares accumulated.

I could be wrong.  Not sure kung tama ang computation ko though.




 :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: madoff on Jun 14, 2009, 01:59 PM
That may explain why being indefinitely long term is not a good idea. Markets undergo boom and bust cycles. So the experts go long term on the onset of a boom cycle and withdraw on the onset of a bust cycle. Try to check if you did the averaging down until December 2007 only and see if the difference is significant. The onset of the bear market i think was on October 2007, but super experts lang ang mga naglabas ng market driven investments nung panahon na yun.

BTW, averaging up na pala tawag dun. Averaging down is applicable from Oct 2007 till present, hehehe...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kiplinger on Jun 14, 2009, 03:28 PM
Folks, anybody have an idea how to access online RCRC Molave Fund NAV prices? So far, i can only get it thru bank inquiries or when businessworld, monday edition, comes out. Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kiplinger on Jun 14, 2009, 03:30 PM
sorry, that should read as RCBC Molave Fund...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: drickchua99 on Jun 14, 2009, 09:58 PM
Share ko lang guys, i have been tracking some UITF funds since the start of the year and I think ING High Conviction Fund is the best performing so far.

ING High-Con 58.67%
ING Equity Fund 50.63%

PSEi benchmark : 35.13%

 :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jun 15, 2009, 04:45 PM

Folks, anybody have an idea how to access online RCRC Molave Fund NAV prices? So far, i can only get it thru bank inquiries or when businessworld, monday edition, comes out. Thanks!


Sir, try this link: http://www.uitf.com.ph/toap/uitflist/uitflist.asp?BankCode=RCS (http://www.uitf.com.ph/toap/uitflist/uitflist.asp?BankCode=RCS)

then click history... specify the dates under "Inclusive Dates" after which you click the "Display NAVpU" button.

 :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ronaldong on Jun 22, 2009, 12:00 AM

Share ko lang guys, i have been tracking some UITF funds since the start of the year and I think ING High Conviction Fund is the best performing so far.

ING High-Con 58.67%
ING Equity Fund 50.63%

PSEi benchmark : 35.13%

 :cool2:


you also have to take not that last 2008, most lost 40 percent, while ING lost around 60+ percent.. meaning they mostly invest in volatile funds.. higher returns or losses i believe..

anyway, anybody here that has BDO equity fund?.. for example i have trust fund with them, and i want to withraw the money monday, how many banking days before i can get the real money?.. kasi sa bpi around 5 business days e.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Jun 22, 2009, 12:51 PM
sa pagkakaalam ko po ay matagal na next banking day.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kiplinger on Jun 23, 2009, 08:06 PM



Sir, try this link: http://www.uitf.com.ph/toap/uitflist/uitflist.asp?BankCode=RCS (http://www.uitf.com.ph/toap/uitflist/uitflist.asp?BankCode=RCS)

then click history... specify the dates under "Inclusive Dates" after which you click the "Display NAVpU" button.
 Thanks HSMom!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: madoff on Jun 23, 2009, 09:36 PM
Quote

anyway, anybody here that has BDO equity fund?.. for example i have trust fund with them, and i want to withraw the money monday, how many banking days before i can get the real money?.. kasi sa bpi around 5 business days e.


Sabi nila sakin 3 days, this is consistent with equity trading settlement of T+3
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jul 04, 2009, 03:51 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 04, 2009, 04:34 PM
^ Easiest way is to compare it to other Dollar denominated MMF. Balak ko din muna i-park sa DMMF ang USD ko.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: madoff on Jul 04, 2009, 05:38 PM
Konting diperensya lang ang yield sa BDO na 1.99%, pero kung milyong dolyar usapan e sayang ang difference, yung sakin kasi baka matalo pa ako sa pamasahe, dahil dalawang sakay ang RCBC mula samin  :hihi: Pero ang panalo dyan ay yung 30 day holding period compared sa BDO na 45 days. Parang mas feeling mo madali kang makaiwas sa early redemption fee just in case bigla mong kinailangan. BTW, yung 1.99% ko based on actual na 50+days pa lang, di ko alam kung magkano ito kung YTD.  :hello:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 04, 2009, 07:19 PM
Lets check them out: (YTD figures as of July 1)
BDO 1.3627%
Metro 3.5988%
PBCOM 1.1156%
RCBC 2.1851%
Security Bank 0.3542%

So..ano ibig sabihin nyan..(remember..past performance does not guarantee future performance)  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jul 06, 2009, 05:10 PM
@madoff

Thanks Sir for the comment.  Whoa, a million dollars?!  The day I see that would really be one fine day.   :D

@DonT

Oh, yes, as they always say, "past performance does not guarantee future perfomance."  Siguro I'll just put my American etlogs in different baskets.  Hehehehe... para naman daw ang dami kong etlogs. :hihi:

Basta ang mahalaga relatively mas malaki ang interest compared sa USD time deposit, plus mas madali pang i-withdraw once USD hits 50 or higher.   :applause:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 06, 2009, 05:46 PM
So saan kayo mag lalagay? parang feel ko park ko muna sa Metrobank yung mga US$ denominated etlogs ko.  :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: AbysmalSpecter on Jul 06, 2009, 06:12 PM
I already have MF placement with PhilEquity.  I am now ready to go back to the market but this time I want to try UITF coz of the expensive charge.  Any suggestion kung san ako maganda mag-place?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 06, 2009, 06:33 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: AbysmalSpecter on Jul 06, 2009, 06:49 PM
pure equity fund ung existing ko.  so to put some balance, siguro balanced fund naman
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Jul 07, 2009, 05:36 PM
abys.... ako sa BDO balance fund.... anyway the balance usually behave like equity since I know may time na halos 80% plu ng BDO balance nasa equity. Now medyo maliit kasi nung nag crash market mukang nilagay nila sa mga TD at SDA.

But why BDO? malapit sa amin tsaka madali kumuha sa BPI parang mahirap eh. plus 1% lang fee no entry pag exit naman 30 days is too small so parang wala na din
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Jul 08, 2009, 11:36 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 09, 2009, 12:05 AM
Good plan there. yung mga USD ko kasi..eto yung mga nagmature from TDs ko before..if I remember..etong mga USDs ko na ito..55 ang palitan dati..kaya ayaw ko ipalit sa rate ngayon.  :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ric_TNT on Jul 09, 2009, 02:40 AM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 09, 2009, 10:25 AM
^ Good idea there.  :grin1:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sonnyboy on Jul 11, 2009, 05:31 PM
hello sirs and mams! a question, can i avail the bdo uitfs through online banking?

and i have some clarifications to ask:
* the only difference between the uitf and mf is the managers? i mean, uitf's are managed by banks, mf's by investment companies like sunlife, philequity etc?
* is it really true that uitf's have less fees?

thanks guys! good luck sa mga investments niyo! ako kasi, TD pa lang eh... im not yet that educated about these stuffs pa kaya im still reading more re mf's and uitf's.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jul 12, 2009, 09:11 AM

* is it really true that uitf's have less fees?


UITFs as far as I know theres no fee. Most likely its already precomputed before they release their daily NAVPUs, they keep in simple. And try to compare past performances of UITF and Mutual Fund. Ramdam ko yun sales load or entry and exit fee ng mutual fund kaya i opted for UITF since in-out in out ako lagi and more convenient.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: theEdge on Jul 12, 2009, 02:18 PM
goodsteward,

       how frequent po kayo in and out sa UITF?1 week?2weeks ,1month?ok po ba ang profit kung very short term,maybe if you place a million pesos ,umangat lang sya ng 1-2% in a couple of days or a week not bad na.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jul 12, 2009, 04:05 PM
money market and bond fund lang ako lagay, i remove it if i need to transfer my funds to other investment or need the funds for expenses. It depends, sometimes a month, sometimes 3 months, sometimes a week or 2 specially for money market fund kasi walang holding period ito. Im referring to BDO UITF products, i dont know bout other holding period of UITFs of other banks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jul 12, 2009, 06:49 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 12, 2009, 09:15 PM
Pwede naman ata ilabas..kaso may charges.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: theEdge on Jul 12, 2009, 09:29 PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jul 13, 2009, 11:42 AM
            ^the edge(syoti ka ba or mei mei)  :hello:.O ayan pwede pala pre term yung UITF,may natutunan na naman ako. :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: theEdge on Jul 13, 2009, 03:12 PM
achi,
     
     Titi ako(syoti)hindi mei-mei,baka "khoko" ahia.how old na ka na ba.hehe :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jul 13, 2009, 03:25 PM
          syoti,nasa lotto pa yata yung edad ko.hanggang anong number ba ang lotto? :huh:

          sorry po OT na po.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: madoff on Jul 13, 2009, 03:53 PM
Naku ate, ang lotto e hanggang 49!  :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jul 13, 2009, 05:06 PM
        ay wala pa ako dun,lower pa :hihi:,off topic agen.baka sampalin tayo ng moderator.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 08, 2009, 09:26 PM
I have checked the bdo balance and BPI equity..... medyo laggard ang mga ito ah in terms of performance? I mean compare it sa benchmark nila. They should outperform their benchmark the very least
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Sep 08, 2009, 09:33 PM
^Oo nga 'no?  I've just checked now the bdo balanced fund performance report as of 31 July 2009.  What does it mean then?  Pull out?  Or wait and see if it's gonna bounce back to its former glory?   :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 08, 2009, 10:03 PM
di naman. Im here in malaysia now bale 1 month pa lang ako and Im trying to study their market vs ours. Grabe prospectus palang walang wala na. UITF yun ha pero ang kapal at kumpleto sa detalye. Lahat disclosed. The funds being offered napaka broad. unlike sa atin equity balanced bond etc etc. Dito ganun din BUT say equity madami ka pag pipilian. And one thing may dividend policy sila.

Sa case ng BDO all you have to watch is capital appreciation BUT dun palang napaka lousy I mean the least you can do is beat your own benchmark diba. Same din ata sa BPI
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 10, 2009, 04:26 PM
is there a way to add more units sa UITF while abroad ka? Im talking on BDO balanced fund
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Sep 10, 2009, 09:08 PM
adding more units is not possible I think..you have to get a new certificate for every placement..in anycase you have to be physically present at the bank.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Sep 15, 2009, 03:14 PM
hi achie wintan  :-* goodsteward, kamusta?

ok na ok ang uitf =] tomorrow i need to pull out my peso balance fund ... i gain 25%hehehe.... downtrend na ata ngyon ...so wait for the right time to go in ulit .... i am thinking of moving it to money market... yung peso fixed income fund is for long term  ....


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Sep 15, 2009, 11:51 PM
wow congrats poorguy, long time no balita a, now lang you nakaonline?
Ya lipat mo muna sa bond or money market fund, yun momeymarket fund now super baba, 250php/month nalang makukuha mo per 100,000....timing uli to move back in balanced fund :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Sep 16, 2009, 07:59 AM
yo goodsteward... ok lang ako medyo busy lang talaga, and medyo laging masama pakiramdam... pero kung lagi bang gain sa investments sino ba ang hindi gagaling sa sakit db =] hehe

yup antayin ko muna na maging stable ulit yung balance fund.... nacheck ko yung money market is doing good naman sa history, so dun ko muna irest =] ikaw todo padin ba sa money market yung placement mo sa bdo? u didnt try balanced or other fund ng bdo?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 16, 2009, 03:11 PM
ano criteria nyo sa fund ng BDO? or BPI seems they cant even outdo tehir benchmark :(
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Sep 16, 2009, 03:38 PM
Whats wrong with BDO Peso Balanced fund..bakit ayaw umangat...pataas na ang Stockmarket everywehere
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Sep 16, 2009, 11:40 PM
poorguy, ya moneymarket muna ako, may pinagkagastusan ako lately kaya ubos bala ko hehehe, ipon uli...

Balanced fund ata ng bdo is stockmarket ng pinas lang sila invest plus other non-equity funds. Kaya pag tumaas psei taas din cla pero relatively smaller increase. Pag baba Psei, baba din sila, relatively lower fall din..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Sep 17, 2009, 05:08 PM
well hindi pa din mapull out ang fund ko, kaya i am loosing money na huhu...

GS... ano pinagaabalahan mo? hehe baka naman may ibang business ka na pinasukan... :applause: share naman...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 17, 2009, 06:54 PM
good steward tama ka BUT if you look at the benchmark, di nila madaig eh
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yangotrvm on Sep 17, 2009, 07:51 PM
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Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: airam on Sep 17, 2009, 10:33 PM
Hi to all! I recently open up uitf sa BDO. sinusubaybay ko itong topic na ito pero ngayon lang ako nag-try. Sana marami pa kayong i-post dito na informational. Maraming salamat din sa mga nag-post.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Sep 17, 2009, 11:49 PM
ahock, ya, cguro thats the way they use our money to earn bigtime, they dictate the navpu :) I hope may proper ethics sila :D

pg, still looking for biz kaso wala talaga e, tapos baba pa rates now, i ended up spending most of my parked funds sa depreciating asset hehehe... ipon uli and hope tumaas taas naman rates....or better yet a good biz opportunity...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 18, 2009, 07:52 AM
agree goodsteward. Actually ibang iba ang UITF/MF ng Pinas vs sa ibang bansa. Prospectus is very much clear like every risk detalye and how they compute NAV may sample. Sa MF natin well ok na din but UITF specially BDO and BPI (sorry I have to single out kasi ito lang so far napapag aralan ko) they dont even give so much to read and for us to understand. Kaya ng I would not be surprise that some newbie here somewhat investing blindly and asking more info here to think that what they are asking should be in the prospectus. Sorry so mga newbie but I myslef have gine to that phase.

One thing that we should as a whole group here is to really pressed those UITF to at least give relevant info. I asked this actually sa BDO and they themselves dont know. Even simple market di nila alam or if you ask them about the risks. Alam nila pag equity magalaw pag balance not so magalaw pag money market safe but low return. But if you asked them like interest rate risk market risk liquidity risk wala na.

One thing guys, sa ibang bansa their MF/UITF are giving dividends. Here we are only banking on capital appreciation thats it. Dividends whether stock/units or cash. Sa atin sunlife lang eh. And hey dont tell me they cant afford ha these institution mapa down o up market are earning great. Sana they would try to mimic naman that scenario to encourage us to save more than taking away our money.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: airam on Sep 19, 2009, 11:48 PM
ahock, totoo yan sinabi mo. kasi nung nagtanong ako sa BDO ay wala silang maisagot sa akin tungkol sa prospectus nila, (i'm expecting they should be knowlegable about the products they offering) ang sabi sa akin ay meron silang website at tignan ko na lang daw sa website nila. marami pa akong nalalaman at natutunan dito sa PMT.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ahock on Sep 20, 2009, 06:49 AM
one thing I asked agents dito if they are invested din sa produkto na benta nila hindi lang yes sagot sabi nya gold member na meaning mag certain sum sila sa company na yun.

When I asked that sa BDO sabi sa akin ay hindi malikot kasi hahaha at hindi guaranteed principal. Ang isip ko lang that time is maybe culture na hindi sanay save. Now I might incline to believe na hindi talaga nila alam. Why did I say that? Kasi if you have read proectus dun na sinasabi lahat. Detailed risks and as far as I know pa nga they let you assess your own perspective kung ano klase kaba. Ask them above market risk, interest risk lahat they dont know.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Sep 20, 2009, 09:54 PM
akala ko sa china lang namamanipulate mga interests/growth mfs....kaya as long as i get a good return sa invest pullout ko agad.... unless no clear sign of continual growth... ^^
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: airam on Sep 21, 2009, 10:11 PM
yung investment ko ay hindi pa pwedeng i-pull out. kaya hintay muna ako.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: berns on Oct 01, 2009, 10:48 AM
Need advice. I'd like to put my money in an investment vehicle that preserves capital and provides income at the same time. Yung short term lang sana. I was thinking of fixed income uitf. Is this a good idea?  Which is the best one? Ayoko ng money market kc ang baba. Ano pa ba other options ko? Thank you sa mga sasagot.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Oct 02, 2009, 01:37 PM
base sa condition mo, time deposit na lang ang option. money market is not guaranteed by PDIC kung UITF ito.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: berns on Oct 02, 2009, 03:11 PM
^ What if I'm willing to take a little risk? What are my other options?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: thephoenix on Dec 17, 2009, 10:42 PM
hi, berns!  you may want to try the Bond Fund if you're willing to take a little risk.  It offers you a way to preserve your capital and enhance the return on your savings by providing access to high quality gov't and corporate debt instruments, which  provide regular interest income at generally higher rates compared to traditional savings instruments. The interest income proceeds are then reinvested into the fund to maximize returns.  

i hope this helps.  :D kindly pm me if you want to know more.
 :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: berns on Dec 18, 2009, 10:53 AM
I forgot that I posted a question here pala. tagal na kc hehe! Yah, actually I've been thinking to transfer some money to BDO's bond fund. What bond fund are you referring to yung u get to reinvest it sa fund? From what I know sa uitfs, diba u can't redeem the gains alone? dapat iredeem mo tlaga lahat?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: suzaku on Dec 20, 2009, 11:35 PM
^I'm not sure about other uitfs but with BDO uitfs, there are no partial withdrawals/redemptions. Pag nag-redeem ka, buo talaga, di gaya sa mutual funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Dec 24, 2009, 12:48 AM
I didn't know about the partial withdrawal bit. One thing I know though, is that the people from the bank selling UITF don't have the training that financial advisors have. They sort of act like tellers. They can't just chat and elaborate thoroughly. I did try doing that pero di ako bumilib sa presentation nila, so di ako bili. And when you get your UITF, there is no aftersales support. I have a neighbor who no longer banks at BDO because the manager didn't inform her when things started to decline. They were friends, BTW.

Big advantage of MF from UITF- no taxes from your capital gains. Not to mention dividends and bonuses( the listed stocks do give out cash dividends and stock dividends which are given as additional NAVPS so as not to be taxed if given as cash.)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Dec 24, 2009, 08:55 AM
There 2 sides in a coin, for me naman , i prefer uitf. One its more convenient. The bank is my neighbor. Two, More simple, no extra deductions for entrance and exit fee. Whats shown on their NAVPU is what you get.

I should agree theres no after sales support for UITF. Meron ba sa mutual fund? Boss freefront, may i know what mutual fund youre into and you get tips from them if things seem to get bad?

As to the capital gain tax that you mentioned that exists in UITFs, do you mean they incorporated in the computation of the NAVPU or they deduct it once you want to terminate your account?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Dec 24, 2009, 10:07 AM
i'm not sure how after sales service works for UITFs/MFs. coz if you're in this type of investment, then customers are expected to be aware of how these investments work. meaning, you'll do the monitoring yourself (if you want), or even close your eyes, come back after 10 years and see what happens. it's personal discretion.

so it's not the job of fund managers to notify investors of ongoing declines. if that becomes practice, then stock crashes will be more severe coz it's like asking everybody to redeem/sell.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Dec 24, 2009, 04:10 PM

There 2 sides in a coin, for me naman , i prefer uitf. One its more convenient. The bank is my neighbor. Two, More simple, no extra deductions for entrance and exit fee. Whats shown on their NAVPU is what you get.

I should agree theres no after sales support for UITF. Meron ba sa mutual fund? Boss freefront, may i know what mutual fund youre into and you get tips from them if things seem to get bad?

As to the capital gain tax that you mentioned that exists in UITFs, do you mean they incorporated in the computation of the NAVPU or they deduct it once you want to terminate your account?


I think the bank gets paid by the very wide spread between what their fund managers make in the market and what they actually give to your account. Sorta like they lend people's money as mortgage loan for 11% and give back .75% interest less 20% taxes withheld( you see these entries in your passbook accounts). Also, any money you earn from a bank gets taxed. As of now, the SEC rule says MF incomes are not taxable.

I think BDO has a buy and sell spread, too. Just like they buy your dollar for 46php to 1 dollar but will sell you the same dollar for 46.60. The fundamentals was taught to me around 5 years ago, but if I remember right, if you have a buy/sell spread, you don't pay charges to go in or out. And the spread widens or contracts depending on the demand or lack thereof. I currently use front load option in MF. I want to see my gains free and clear at the end of the day so I pay upfront.

The matter of convenience is ok with MF because investment solicitors meet up with you. Aftersales service? You can monitor Navps via internet (you get a mailer for a password) or ask your financial advisor to alert you of big movements or impending ones. There was an alert, via text, when Lehman's went down( can't remember the date), they just inform. But you will act at your own discretion. I add to my shares by PDC warehousing so I don't need my solicitor too often. If you want to be ready, ask your investment solicitor to prepare an order ticket for you to fax if you notice something you like/do not like in terms of movement( i have no idea if the company sanctions this or not).

Sorry to have run off your ears but this is my favorite product. I even experimented( with a small batch of order) if it is wiser to get the 2% bonus shares or redeem at a high and go in as the navps naturally goes down right after the distribution. The movements were too fast and I am just a small fish in the pond. A fail, but a lesson wisely learned.

I have Sunlife's equity and dollar advantage fund. I used to have MFIC( not very sure with the name anymore but I think they used to be kabuhayan fund or something). Sunlife gives 2% dividend in the form of shares every September or Nov. so they can distribute what the companies in their portfolio declared in shares and stocks. I was made to understand they do that to get away from bothering the investors with taxes. Cash payout=with tax. Distributed shares= tax free.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Dec 24, 2009, 08:28 PM
Agree with rael, not much of after service for uitf and mutual fund i guess. Uitf NAVPUS are also posted in the bank's website.

As to the taxation if there is indeed any, its embeded in uitfs computation of their NAVPU, so i couldnt care much. I monitor Bdo bond fund and balanced fund, i have their NAVPUs.

Sir freefront, im not here to argue but also want to find out if uitf perfroms better than mutual fund or not...Its for the investor's advantage if we can maximize our investment returns.

Sir freefront, do you happen to have Sunlifes NAVPs maybe of past few months, say last june, any date? then lets try to compute if it gains more or uitf gains more...Thanks...its for our benefits actually...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: AbysmalSpecter on Dec 24, 2009, 11:12 PM
I opened my MF account last January 2008.  Two years from account opening date, wala na ako exit fee.  So far, maganda naman.  My portoflio is up 21%. :)
Posted on: Dec 24, 2009, 11:10 PM
Next year po, I will try UITF.  My first target is DBP's Gintong Sikap
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tops5450 on Dec 24, 2009, 11:33 PM

I opened my MF account last January 2008.  Two years from account opening date, wala na ako exit fee.  So far, maganda naman.  My portoflio is up 21%. :)
Posted on: Dec 24, 2009, 11:10 PM
Next year po, I will try UITF.  My first target is DBP's Gintong Sikap


sir akala ko po wala na kayong pera :scratch: Pautang :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: AbysmalSpecter on Dec 25, 2009, 12:19 AM
Nyahahaha.  Mas madami ka po pera sa akin.  Nga pala pagbalik ko from Lucena, send ko sa inyo pictures ng mga piggies. :)  We have 53 heads na ngayon.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Dec 25, 2009, 01:00 AM

Agree with rael, not much of after service for uitf and mutual fund i guess. Uitf NAVPUS are also posted in the bank's website.

As to the taxation if there is indeed any, its embeded in uitfs computation of their NAVPU, so i couldnt care much. I monitor Bdo bond fund and balanced fund, i have their NAVPUs.

Sir freefront, im not here to argue but also want to find out if uitf perfroms better than mutual fund or not...Its for the investor's advantage if we can maximize our investment returns.

Sir freefront, do you happen to have Sunlifes NAVPs maybe of past few months, say last june, any date? then lets try to compute if it gains more or uitf gains more...Thanks...its for our benefits actually...


So sorry but I usually don't keep those stuff. If somebody here is from sunlife-they can probably dig it up. I know they can access historical prices.

As for the gains, if you are an investor who has a finger on the pulse of your investment, you can lock in your gains because you are given 4 free movements per placement per year. I am actually envious of those people who went out of equities with their stop loss and jumped back in around the end of feb. 2009. More than 30% in gains to date.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: suzaku on Dec 26, 2009, 06:42 PM

Sir freefront, do you happen to have Sunlifes NAVPs maybe of past few months, say last june, any date? then lets try to compute if it gains more or uitf gains more...Thanks...its for our benefits actually...

You can check historical navs from sunlife's website http://www.sunlife.com.ph/slfglobal/v/index.jsp?vgnextoid=2d191bfeb2653210VgnVCM1000009b80d09fRCRD&vgnLocale=en_CA
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: crigor on Jan 14, 2010, 12:51 AM
@GoodSteward you can compare the performances of funds at http://monitormyfunds.com/compare (http://monitormyfunds.com/compare)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rds on Mar 25, 2010, 01:52 AM
nung umuwi ako ng pinas last december, i want to open a uitf account sa metro.

may account din kami dun as savings, e balak ko sanang palipat sa uitf, kasi mas malaki daw interest.

laking gulat ko ng mag-inquire ako sa metro, sa province namin, to open a uitf account, sinabi sa kin ng teller na minimum daw ay 1M for that kind of account. e wala pa sa quarter ng 1M yung pera namin sa savings. di na natuloy.

pagkaka-alam kong kahit 50k, as per metro website e pwede na for uitf, yet still nagdalawang isip ako na baka nga mas malaki ang opening amount sa aming branch kasi nasa province kami.

do you have any idea guys if the uitf policy of the same bank varies depende sa area o branch?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rael on Mar 25, 2010, 10:46 PM
it should be the same minimum across the board. go check po their minimum requirements from their websites.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sam on Apr 01, 2010, 11:15 AM


laking gulat ko ng mag-inquire ako sa metro, sa province namin, to open a uitf account, sinabi sa kin ng teller na minimum daw ay 1M for that kind of account.

do you have any idea guys if the uitf policy of the same bank varies depende sa area o branch?


malamng SDA yung 1M na sinabi sayo hindi uitf, naginquire kasi ko sa metrobank ng SDA ang minimum nila 1M
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 07, 2010, 02:55 PM
Wake up guys!  :applause:
as of 4/6/2010
BDO Peso Balanced Fund Navpu - 2,062.917200
YOY is  31.9888%
YTD is  6.4155%

Konti na lang..ma pupullout ko na din yung iba kong UITF.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Apr 07, 2010, 04:51 PM
yehey.. ang saya saya i pull-out ko rin yung BDO Balanced ko.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sam on Apr 08, 2010, 01:14 PM
ibig bang sabihin dun sa mga gusto pa lang pumasok ng uitf e, di maganda yung timing ngayon? hintay pa ng kaunti?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 08, 2010, 01:36 PM
yup...kasi UITF's are more for long term investing...

Maybe its better to go for stocks at the moment. I guess its a bull market now.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Apr 10, 2010, 03:13 PM
di pa ko pwede mag pull out, i will wait for BDO balance to reached 2600 NAVPU
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 10, 2010, 10:09 PM
^ Do you think that will happen this year?  :watchuthink:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Apr 11, 2010, 09:41 AM
I went to the UNIONBAnK website. They have an auto-invest feature that can go with your CASA account. Ain't that grand? Bpi features the auto-savings feature w/personal insurance involved but Unionbank trumps that kasi, ilalagay nila agad sa UITF account mo yung auto-savings mo monthly. Knowing that UITF(which is a form of mutual funds) posts higher returns than S.A.( and assuming you are able to handle/minimize the risk)-this is a better deal.

UITF accounts start at 100K.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Apr 11, 2010, 04:25 PM

^ Do you think that will happen this year?  :watchuthink:


if there is a smooth transition after the election, december will be a good month for stocks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tom123 on Apr 14, 2010, 03:43 PM
Hi newbie here. Planning to invest in UITF kaya ngresearch ako. At ito yung last 15mos. performance comparison. Paki-confirm naman kung tama.
Kung tama ito, at nag-place kayo Jan 2009, laki ng kinita nyo ha :hihi: balato naman jan. :applause:

EQUITY FUNDS
BPI   39.66%
Metro   68.51%
BDO   71.36%

BALANCED FUNDS   
BPI   26.45%
Metro   39.78%
BDO   37.71%
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: homeschoolmomma on Apr 14, 2010, 11:57 PM
Just found this from Metrobank...

http://www.metrobank.com.ph/ViewImage.asp?id=1405

Don't you think this is a better alternative to BPI's Save-up considering that it also comes with life and ADD insurance from AXA?

Only P5k to open with minimum additional monthly placement of P1,500?  Di ba swak sa mini savings budget?

Ano sa palagay nyo?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 15, 2010, 05:07 AM
^ UITF na may insurance? bago yan ah.  :D
Posted on: Apr 15, 2010, 05:03 AM
as of 4/14/2010
BDO Peso Balanced Fund Navpu - 2,104.0508
YOY is  341.7571%
YTD is 8.5373%

Wow...look at the growth in just 4.5 months. I thought this will never happen again.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vss332003 on Apr 15, 2010, 09:53 AM
hi! i also want to share UnionBank's Large Capitalization Philippine Equity's performance:

NAVPu as of 4/14 = 243.226618
YTD  - 21.6930%   

don't have data on YOY.   
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: omekin on Apr 15, 2010, 09:59 AM
kelan kaya magandang maginvest sa UITF?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vss332003 on Apr 15, 2010, 10:03 AM
 the best time to invest is ALWAYS NOW  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Apr 15, 2010, 10:58 AM
@homeschoolmamma

Metrobank's offer is friendlier than Unionbank's  because of the start-up amount( 100k vs. 5K). How do their gains compare?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: myPrincessAyecka on May 05, 2010, 10:08 PM
i'm a newbie here. nakita ko po ito  

RCBC Savings Bank
Fund Name
                  NAVpU    as of       
 Molave Fund    1.263500    5/4/2010

Pwede po paki-interpret sa akin ito? is this a good one or not? hindi ko alam kung may sense ang tanong ko, pasensya na po. nag-start pa lang po kasi ako. thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: HoriZon on May 18, 2010, 09:14 PM
 check nyo din ang union bank's uitfs. mukhang ok yung large cap and peso bond fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on May 19, 2010, 12:22 AM
^ I saw that one. Starting is 100K php sa large cap. Inilampaso ang lahat lahat na bangko sa performance.

They also have an auto-savings plan where 1,000K monthly goes into a UITF account. I am not sure kung you have to put up the 100K muna.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: HoriZon on May 19, 2010, 08:10 PM
i think the minimum for auto invest of unionbank is 60k per annum (pero pwedeng monthly or bimonthly ang frequency), check nyo na lang. And, it seems hindi pa daw ito operational. Pakitanong nyo na lang din sa branch and pakifeedback na lang din dito. Ok sana ito, mukhang no other bank offers such a system at this time for uitf.

 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: HoriZon on May 26, 2010, 08:05 PM
to those looking for a conservative investment for their dollars, check out the yoy performance of metrobank's dollar money market and of bpi's global philippine fund (this is also a short term dollar bond fund). parehong nasa 7% na. much better compared to dollar TD rates. of course, past performance in uitf is not a guarantee.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vss332003 on Jun 04, 2010, 02:17 PM
i have investment with unionbank's large cap. i started last week of february and i am happy about its performance. i have also recently read about their auto invest product but i have yet to ask for details from my contact there.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jun 04, 2010, 02:35 PM
^ Pls. post after your transaction with the auto-invest ng UITF?  Kulang kasi sila ng branches kaya katamad to deal with them.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bisoy on Jul 18, 2010, 04:17 AM
mga bossing... magandang araw po sa inyo... isa po akong OFW at matagal ko na po binabasa tong UITF actually sobrang interested po ako kaso di ko lam kung ano ung tamang ggawin....
may 50k petot po ako kaya kong gamitin baka pde nyo nmn ako bigyan ng enlightenment kung anung tamang pagiinvest ng ganito pera.. pinaghhirapan ko po kase kaya medyo nagiisip ako kung tama ba d2 ko lagay at mag try maginvest sa UITF...

BDO po target ko BDO Balance fund.. baka mabigyan nyo nmn ako payo.. TY sa magrereply.. :rakenrol:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jul 22, 2010, 07:52 PM
Pls. refer to my above post. I noticed a new member called UNIONBANK.  :welcome:

Maybe you can enlighten us your automatic monthly investment to your large cap UITF? Does it have the same 100,000 initial investment before you can avail of that feature?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jul 29, 2010, 08:47 PM
^^^ Initial investment of 100K, subsequent is very flexible.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dinaren on Aug 08, 2010, 02:15 AM
just a stupid question. If i open a UITF account in one branch of a bank in metro, can I redeem it later in another branch in the province? should it be the same branch?

say i opened in BPI manila, can i redeem my placements in BPI bacolod?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Aug 09, 2010, 05:17 PM

just a stupid question. If i open a UITF account in one branch of a bank in metro, can I redeem it later in another branch in the province? should it be the same branch?

say i opened in BPI manila, can i redeem my placements in BPI bacolod?


It's not a stupid question :) As far as i know, you need to go back to the BPI branch where you invested. Same with BDO where I have UITFs.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Aug 09, 2010, 05:36 PM
^Yup..I agree...coz you have certain documents to sign...and those are being kept at the branch where you placed your funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dinaren on Aug 09, 2010, 09:30 PM
^ thanks DoNt and S.I., im all set for this UITF thing.  :yoohoo:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: loyaltrader on Aug 12, 2010, 03:43 PM
thanks for the info
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hipyyy on Aug 13, 2010, 03:24 PM
Hi to all.....

I don't know if this is the right forum to ask this. I'm a new member and sawakas after looking for a forum for UITF investing, I found this site na pinoy pa.

My question is how to compute earning in percentage if you have invested several times in a product over a period of time. I'm an investor of BPI-Short Term Fund since 2006 but buying units from time to time if may sobrang money. How then do I compute my earning per year in percentage since different buying prices ko?

Thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Aug 13, 2010, 03:33 PM

Hi to all.....

I don't know if this is the right forum to ask this. I'm a new member and sawakas after looking for a forum for UITF investing, I found this site na pinoy pa.

My question is how to compute earning in percentage if you have invested several times in a product over a period of time. I'm an investor of BPI-Short Term Fund since 2006 but buying units from time to time if may sobrang money. How then do I compute my earning per year in percentage since different buying prices ko?

Thanks


Use excel sheet to do this task. PM me so i can share yung gamit ko excel tracker. This may help you getting your funds % return

 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hipyyy on Aug 13, 2010, 05:30 PM



Use excel sheet to do this task. PM me so i can share yung gamit ko excel tracker. This may help you getting your funds % return





I can't send you a PM.... newbie pa daw ako

pls email me at hipyyy@yahoo.com

Posted on: Aug 13, 2010, 03:57 PM
Thanks a lot allanmm13 for the help
Posted on: Aug 13, 2010, 05:21 PM
Thanks a lot allanmm13
Posted on: Aug 13, 2010, 05:23 PM
allanmm13

after using the calculator you sent.... i have a 33.9% output from an investment since June 2005. Is the 33.9% yearly profit? or I need to divide 33.9 by 5 years to have an annual 6.78% earning of my investment as of this June 2010?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Aug 13, 2010, 06:18 PM

after using the calculator you sent.... i have a 33.9% output from an investment since June 2005. Is the 33.9% yearly profit? or I need to divide 33.9 by 5 years to have an annual 6.78% earning of my investment as of this June 2010?


33.9% is total (cummulative) return of all of your investments. Mahirap makuha yung annualize using the excel kasi as you mentioned you invest when you have funds and I assume this is not regular.

Ang pinakamaganda eh you compute separately yung investment mo and then compute for returns.

Ex.

2005; bought X1 NAVPu that time; X2 is current NAVPu
% = (X2-X1)/X1 to get total return (+/- %).

2008; bought Y1 NAVPu that time; Y2 is current NAVPu
% = (Y2-Y1)/Y1 to get total return (+/- %).

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hipyyy on Aug 13, 2010, 06:27 PM



33.9% is total (cummulative) return of all of your investments. Mahirap makuha yung annualize using the excel kasi as you mentioned you invest when you have funds and I assume this is not regular.

Ang pinakamaganda eh you compute separately yung investment mo and then compute for returns.

Ex.

2005; bought X1 units; divide that with current NAVPu to get total return (X1%).

2005; bought X2 units; divide that with current NAVPu to get total return (X2%).


allan,

i'm using the calculator for a single uitf product bough units at different time from 2005 to 2009. 33.9% is income for a single uitf product...... do i divide by 5 to get yearly?

Pero thanks for that answer also... it will give me an idea of my percentage income for my total holdings in different uitf product.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Aug 13, 2010, 06:34 PM



allan,

i'm using the calculator for a single uitf product bough units at different time from 2005 to 2009. 33.9% is income for a single uitf product...... do i divide by 5 to get yearly?

Pero thanks for that answer also... it will give me an idea of my percentage income for my total holdings in different uitf product.


To get annualized: Use this template

Annualized Return Formula

APY = (principal + gain/principal) ^ (365/days) - 1

So, for example, suppose our initial investment (ie. principal) is $10,000, and after 2.5 years we are sitting on $14,000. What is our annual return? Let's plug our numbers into our formula using the following values:

    * principal = $10,000
    * gain = $4,000
    * days = (365 * 2.5) = 913 (rounding our half-day up)

APY = ($14,000 / $10,000) ^ (365 / 913) - 1 = 14%
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 13, 2010, 06:34 PM
^

You might want to look into Excel's XIRR function.
Its specifically used for irregular investments/cash flow. It will give
you your IRR.

Good luck
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hipyyy on Aug 13, 2010, 07:04 PM



To get annualized: Use this template

Annualized Return Formula

APY = (principal + gain/principal) ^ (365/days) - 1

So, for example, suppose our initial investment (ie. principal) is $10,000, and after 2.5 years we are sitting on $14,000. What is our annual return? Let's plug our numbers into our formula using the following values:

    * principal = $10,000
    * gain = $4,000
    * days = (365 * 2.5) = 913 (rounding our half-day up)

APY = ($14,000 / $10,000) ^ (365 / 913) - 1 = 14%


Thanks for this annualized computation
Posted on: Aug 13, 2010, 07:01 PM

^

You might want to look into Excel's XIRR function.
Its specifically used for irregular investments/cash flow. It will give
you your IRR.

Good luck



Tried it...thanks. Do I divide the answer to number of years invested?
What's IRR?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 13, 2010, 07:11 PM
^

Nope, if you noticed, it takes into account the dates
of the investment so there's no need to do anything else

I think IRR is like the interest rate if you had placed your
money in the bank or that's how I understand it at least  :D

So if you get 4% when you do an XIRR then that means
its like you had placed your money in a bank deposit with
a 4%p.a. rate(with no tax)

Hope that helps
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hipyyy on Aug 13, 2010, 07:25 PM
Thank you very much allanmm13 and mxherr5 for helping me.

Ive been investing in UITF since 2005 but I don't have the right pictrue of my investment as I rely what my account manager presents to me. Syempre....each bank has its own way of computing para ma entice and investor. Now I have an accurate idea of my portfolio. Pero minsan not knowing the exact figure masnakabuti pa...hahahha! After 5 years....ok naman ang kita....buti na lang!

Thank You :thankyou:.....Thank You :thankyou: :applause: :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: janasan08 on Aug 19, 2010, 01:50 PM
hi po newbi din po ako sa forum nato...ask ko lng po un product ng metrobnk na uitf METROFUNDSTARTER pano mgcompute kung nakita na po kc nakakailang labas at pasok po ako di po ako nakita ng malaki..gaya po ng last,,,kumita lng ako ng 6000.ipinasok ko po un ng Jan.tapos po inilabas ko ng August..bale 7 mnths.pero nun pong bagong labas un metrobnk starter na yun kumita po ako ng 25 tawsand in 3 mnths n un perang ipinasok ko 400k
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: fattybearyus on Oct 10, 2010, 09:03 PM
Hi. I want to invest in UITF, I already invested in FAMI SALEF and want another UITF. Can someone get suggest somewhere I can deposit around 10-20k only?
Posted on: Oct 10, 2010, 07:47 PM
I read somewhere that you should not just rely on the most recent performance of UITFs. Then how will we know? What's a good indicator?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Oct 11, 2010, 11:50 AM
^ Buy when its low...sell when its high.

You cannot just buy when you want to...and sell when you need to....
Well of course you can do that if you aint bothered if you lose money.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Oct 11, 2010, 04:47 PM
^

How would you know if its low enough to buy and
high enough to sell?

Thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kyutrefinedz on Oct 15, 2010, 11:09 AM
How would you think the investors would react about the news now that BPI lowered their minimum initial investment for Peso UITFs from PHP50,000 to PHP10,000, and dollar UITFs from USD1,000 to USD500?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kimrnmd on Oct 15, 2010, 11:57 AM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: paui05 on Nov 04, 2010, 12:38 PM
Hi, i am newbie here. I am in UITF and MU for quite some time na rin. I suggest you guys create monitoring, an excel may do (even if meron naman silang price history), that way, you can check if NAVPS would goes down (then thats the best time to buy) or if NAVPS is up.

I am a risk taker, i invested in BDO and BPI equity fund. and im happy naman with their performance.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: uprising on Nov 04, 2010, 02:00 PM
ung united equity fund ng ucpb me naka try na? mukhang ok din performance
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: skizzle06 on Nov 09, 2010, 11:59 AM
I just checked Union Bank's Large Cap Equity Fund performance, YTD return is a whopping 117.16%. The minimum capital is a bit huge though at 100k.

http://www.uitf.com.ph/toap/scripts/fundhistoryframe.asp?FundCode=031&withBack=Yes
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Nov 10, 2010, 11:42 AM
new investors,

a piece of advise.  dont be MISLED by YTD (year to date) returns of MF or UITF.  The best way to check their performance?

Look at their inception date (start of fund) then compare it to the present date. Compute for the annual return.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: auxcom on Dec 07, 2010, 05:20 PM
sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: cool_78 on Dec 07, 2010, 05:35 PM
sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.

That's not true, you can't add to your original placement but you can open a separate one with a minimum of 10k. What was your scenario? Report mo sa CS ng BDO na di alam ng CSA nila pinagsasabi niya.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mayeni on Dec 07, 2010, 09:59 PM
sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.

not true. like what cool_78 said, you can open a separate BF investment with a minimum of 10k. i often do that -- open uitfs with bdo with 10k minimum separately. so when i pull out, i will not have to pull out all of the invested funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Dec 10, 2010, 08:42 AM
Yes, cool and mayeni are correct. But given your statement, it seems you wanted to invest a lower amount than 10k. So in a way, the BDO branch was correct. You would need to redeem your initial investment then add your intended additional investment then invest it all again.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: auxcom on Dec 10, 2010, 11:01 AM
hi! My additional is more than the minimum and it is already more 1 month old account. Un nga sinabi ng bdo, redeem and add na lang. Cancel ko na lang since malulugi ako :-)

Thanks for the help!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Dec 10, 2010, 03:54 PM
lipat ka ng ibang branch ng BDO baka di pa dumaan sa proper training ng UITF yung staff ng branch mo.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Dec 10, 2010, 10:42 PM
auxcom, which branch yan? I nth the motion, mali yun personnel, try other bdo branches or read to them their fliers, alam ko nakasulat yun policy dyan if im not mistaken, confirm nalang....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: denryuu on Dec 14, 2010, 01:26 AM
Good day to all, im a total newbie in investing so i have a question regarding s UITFs or Mutual funds...
Pag mag iinvest n b ako s mga yon e let's say kunware s Balanced Fund(ung both equity at bonds).. papipiliin ba nila ako specifically sa kung saang company or corporation ko gusto iinvest ung pera ko? OR is it like sa pagdedeposit lng sa banko na sila na bahala sa pera mo at they will decide on where to invest to get the best returns? Wala kse ako alam msydo s performance ng market at sa mga companies kaya ayun~...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Dec 14, 2010, 07:10 AM
^You turn over you money to a management team. You are in a position where you can't be bothered to trade in stocks and acquire bonds, but you are doing more than depositing your money in a bank for safekeeping---all with attendant risks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Atwater on Dec 18, 2010, 02:16 PM
yes unit investment funds is really good for investing money have high return and i think to invest there now
mlm lead system pro (http://ezinearticles.com/?Attraction-Marketing-Exposed:-What-the-Top-Earners-Dont-Want-You-to-Know!&id=5461001)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: monobcena on Dec 19, 2010, 12:42 AM
sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.
Ganun nga sa BDO UITF...you need to take out muna your existing investment...So bale nde ka pde magdagdag ng units pag meron kna.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mayeni on Dec 23, 2010, 10:08 PM
Ganun nga sa BDO UITF...you need to take out muna your existing investment...So bale nde ka pde magdagdag ng units pag meron kna.

i have BDO UITFs. I don't need to pull out existing UITFs if I want to add more. I open UITFs in small amounts (minimum required) so no need to pull out. You will just have several UITF certificates.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ray214 on Dec 24, 2010, 02:47 PM
kung magiinvest ako ng 100k sa bdo peso bond fund, magkano kikitain ko kada buwan? ano bang pinaka ok at safe na uitf ng bdo? kahit 1 k plus lng ang kita.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dudefullness33 on Jan 10, 2011, 08:59 PM
kung magiinvest ako ng 100k sa bdo peso bond fund, magkano kikitain ko kada buwan? ano bang pinaka ok at safe na uitf ng bdo? kahit 1 k plus lng ang kita.

ray, safest would be peso money market fund. I am not sure though about the 1k that you are targeting. It still depends on the navpu values.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 11, 2011, 02:09 PM
^dude, are you an old lady? j/k! Money market is almost just like your time deposit. I don't think it went past the 1% p.a. last year?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dudefullness33 on Jan 11, 2011, 02:24 PM
hehe.. No I'm not. Anyway, the guy above was asking about the safest fund in UITF - which is BDO's Money Market. It doesnt have any downtrend for the past three years. The next safest that BDO can offer would be their Bond fund. Is this considered safe?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 12, 2011, 09:03 AM
bond funds don't make movements that would displace your liver...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 12, 2011, 09:21 AM
^Natawa ako dun a hehehehe

So true..Yun nga lang lately pababa ng pababa bond fund (bdo), nakakainip lang ng konti but nasisikmura ko pa naman...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dadedidodu on Jan 13, 2011, 12:38 AM
lahat naman pababa lately.. balanced, equity, money market, bond.. etc. I think it is global.  let's just wait for the rebound.  money market wont give you that much income, but will just protect your money from inflation. In terms of income, konti lang difference sa time deposit.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: meiashie on Feb 03, 2011, 09:07 PM
new here :) can anyone give me a bird's eye view about BDO's uitf? please and thank you to all! :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: botbot16 on Feb 07, 2011, 06:04 PM
Hi Everyone, I'm just wondering what are the possible effects of the pending increase in the interest rates on a peso bond fund? Does it mean, it is not the good time to invest in this kind of UITF? I understand that as the effective interest rate increases the FMV of your bonds (discounted value using EIM) will decrease.. Will this result to sudden drop in the value or this has already affected the price of the fund due to the negative sentiment (low demand)?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: disturbed on Feb 25, 2011, 09:38 AM
Hello guys..just want to ask on how do you redeem your UITFs..

for ex..
01/01/11
The NAVPU is 1.00 when I bought it..having an initial investment of 10,000..

Since the NAVPU is being reflected normally around late in the afternoon for the day, and since banks are closed at that time..you would obviously redeem the other day..so how do you get your shares with the current NAVPU and not the NAVPU that will be calculated at the end of the day.

03/01/11 @4PM - NAVPU is 3.0

assumption
03/02/11 @4PM - NAVPU is 0.5

so what are the steps that needs to be taken to make sure I get the NAVPU unit of 03/01/11

When I asked BDO they said I can call so they can pull out my UITF but would that guarantee me the NAVPU of 03/01/11? In BPI, if I remember correctly, they said that the NAVPU of the following day will be used so that would be 03/02/11..I hope I didnt confuse anyone with my query.

Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: disturbed on Feb 28, 2011, 10:05 AM
anybody want to share comments on my query above ^

thanks in advance!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 28, 2011, 10:10 AM
They normally have cut-off times. some banks/ branches have 11am...others 12am...so it only means..
1. Earlier than cut off time..you get yesterday's navpu.
2. After Cut of time....you get the navpu that will appear later in the day.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: disturbed on Feb 28, 2011, 10:22 AM
thanks sir Don't

so it really is possible to get the yesterday's NAVPU..just the thing I wanted to hear. :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 28, 2011, 10:33 AM
Yup...but yesterday is the past..you cannot change it. More interesting is the future.. :watchuthink:

If your investing...you wanna make sure the you invest at a lower navpu than yesterday..
And if you are redeeming....you wanna redeem at a higher navpu than yesterday.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: auxcom on Mar 07, 2011, 10:12 PM
ung united equity fund ng ucpb me naka try na? mukhang ok din performance

Anyone know where to get details of UCPB UITF online? Useless website nila walang info :-)

http://www.ucpb.com/products/trust.asp
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: j_l on Apr 08, 2011, 08:04 PM
"hi guys,
i am just wondering kung ano ang difference ng: "bid", "offer", "mid/last" (different pricing ito ng NAVpU) and how can this affect your investment. Kasi ganito ang pricing ng NAVpU sa unionbank, sa mismong website nila. Does "offer" mean yung mismo ang basehan or talagang offer na price tapos ang bid ay kung maramihan ka bumili or kung gusto mo ng discount.......... ah basta naguguluhan ako minsan iniisip parang exchange rate ang datingan kung saan yung mid/last ang ibigsabihin ay huling presyo ng palitan ng currency....... Sa BDO wala namang ganito at isa lang basis nila or pricing nila.

Kaka-invest ko lang kasi sa Large Cap kahapon at pag nagtatanong ako yung "offer" na NAVpU ang binibigay sakin iniisip ko tuloy lugi ako kasi yung "offer" ang pinakamataas na price compared to "mid/last" and "bid". Iniisip ko kasi sa mga humihingi lang ng discount or maramihan bumili ng units ang "bid" price, e hello 100,000 naman kaya ang minimum participation & dati pa talaga ang basehan ko ay yung mid/last kasi iyon ang refference ng "uitf.com" kaya naman parang feeling ko nalugi ako kasi ine-expect ko na sa "mid/last" ko siya mabibili na masmababa ng konti sa pricing ng "offer".

Please enlighten me guys......Thnx in advance!"

I need your help or advice..........
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 08, 2011, 08:17 PM
I'm pretty clueless on why unionbank is showing those numbers..
As far as I'm concerned..Buying and Selling Navpu should be the same for any particular day.

Btw..hataw mga Equity and Balanced fund lately..Bull na naman ata.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Apr 08, 2011, 09:21 PM
ako din, no idea about unionbanks parameters, i dont have placement there kasi, even though i planned to place some funds there a few months ago...

@Dont, some news and speculations are that foreign buying na naman kaya tumataas, question ko is paano kaya tayo makasabay o maunahan sila na mag sell, bago sila umalis na naman....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 08, 2011, 09:54 PM
Thats the million $ question..

Basta...ako...once na makuha ko na yung qouta ko..ok na. I'll try to be content with it..Mahirap maging greedy.

BTW...para sa mga nakaka alam dyan..anu equivalent ng UITFs natin dito sa pinas sa US. Meron sila Mutual Funds..pero yung UITF..i'm not sure.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: JSR111 on Apr 09, 2011, 01:34 PM
hi j_l, i've been monitoring union's performance for the past few months ksi gusto ko rin pumasok, eh kakahintay ko bumaba, lalo pang tumataas ngayon. Buti ka nakapasok na. Akala ko ksi bababa pa due to middle east troubles and japan's calamity. Anyway, regarding your question, yung BID, yan ang susundin pag e-exit ka. Yung OFFER naman, pag papasok ka. Yung MID, for reporting purposes lang yan, for exampla, yan ang rates na nagre-reflect sa MONITORMYFUNDS.COM. Got this explanation from union's trust department. Hope this helps! Good luck and God bless us all!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Apr 09, 2011, 01:41 PM
^If that was true...get your UITF's na lang sa ibang banks..like metro, BDO, BPI...you get exactly whatever they posted for that they...nothing more..nothing less.

Well..come to think of it..maliit lang yang difference na yan..thinking about when to place your UITF would be far more significant than the differnce between Bid and Offer navpu.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: boymelvs on Apr 09, 2011, 05:27 PM
magandang araw po sa inyong lahat..ask ko lng po,sino po nagtry mag invest po sa rcbc?share naman po kayo kasi po may peso account po dun since di ko masyado nagagamit yun pera ko gusto ko sana i-try ilagay sa UITF(money-market fund)..sino po nagtry dito sa rcbc?share namn po kayo..o bigay po kayo ng advice skin..thank you in advance...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: luranski on Apr 11, 2011, 11:41 PM
Hello guys,

My BDO UITFs are all positive now, sana tuloy tuloy na! =) even the Peso Bond and Fixed Income. =)
The market shed some points today but I am still optimistic and based on my opinion and research, we must still invest this 2011.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: j_l on Apr 14, 2011, 11:26 AM
I have a question ulit......
Totoo ba na walang online account ang uitf ng unionbank, kasi sabi sakin wala raw, so hindi ko makikita yung performance ng investment ko, tapos hindi naman parating daily ang update ng prices nila sa website nila kaya baka hindi ko nalalaman nalulugi na pala ako, sabi kasi sa kin tingnan ko na lang raw sa website nila ang daily prices tapos i-multiply-multiply ko na lang para malaman ko ang gains or loses ko.

Ang alam ko lahat ng banko meron online accounts for savings account with uitf. Tapos ang na-open ko lang na account is "placement account/settlement account" hindi pala yung e-wallet (savings account) na may access sa online banking at ang sabi kahit mag-open ako ng "saving account" ang makikita ko lang raw ay ang savings account ko hindi yung performance ng uitf ko. Sabi nila iba talaga ang settlement account sa savings account kaya naman kahit mag-open ako ng savings eh hindi pwedeng ma-link yon or ma-affiliated yon so may maintaing balance pa rin na kailangan (10,000).

Nagtatanong ako kasi ang alam ko ay ang settlement account at savings account is treated as one tapos mali-link sya sa account ng uitf and then kahit wala ng laman ang suppose to be dual purpose na "savings/settlement account" ok lang kasi linked sila, parang wala ng maintaning balance(suspended muna)........kapag active parin ang uitf investment ko.

Please help me guys, maslalo na yung may uitf rin sa unionbank..........
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: JSR111 on Apr 14, 2011, 11:56 AM
J_L CALL ME PAG FREE KA
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: switchiz on Apr 14, 2011, 03:13 PM
@luranski. I also hope so.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: luranski on Apr 14, 2011, 10:52 PM
Lets be positive? After correction. ok na yan. hehe

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: JOE_Saves on Apr 26, 2011, 07:29 PM
Hello, I'm interested in investing with BDO Balance Fund. For example I invested 10K two years ago, How will I compute for my gain after two years. Is it all based on NAVPU at the time that i invest and the NAVPU at the time of withdrawal/pull-out? Or is there some compounding of interest that is included?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Apr 27, 2011, 07:33 AM
That's right.. So if the NAV was 2 when you placed your investment
but the NAV is 1 when you pull it out. You'd be losing 50% of your investment
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ishkalafufu on May 19, 2011, 09:08 PM
I was planning on investing very soon in the Unionbank Large Cap Fund (which according to my research online, did very well in the past 2 years). Mejo na dismaya nga lang ako because the current NAV is quite high :D The Unionbank Relations Manager suggested their Peso Balanced Fund which they just launched last February of this year, and from what I've seen of UITF performances in the 1st quarter of this year, this UITF seems to be doing quite well (so far), ranking second highest with a very small margin from the highest in rank. The guy said that they're even expecting profits by the end of the year (for this UITF) of around 80%.. I was thinking to myself, ang over-confident naman.. hehe

But what do you guys think? Anybody else with plans on investing in Unionbank UITFs soon?

I know their annual fees are quite high sa Unionbank (2% ata almost lahat), but I'm thinking their funds all seem to be doing quite well naman (so far and in the past year or so) ..besides, a high annual fee is nothing kung kumikita naman ng malaki ang pera mo.. (well somebody mentioned something to this effect in a thread in this forum somewhere.. :D)

Any insights guys?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Jun 05, 2011, 03:23 PM
question lang po sa mga pros dito, sa mga nagcocost averaging dyan sa mga UITFs, do you get a separate certificate for every additional investment? If so e di after 5 years or so at magreredeem na you have like 30+ certificates , or they will just add up from my original certficate yung suceeding investment para i have 1 certificate lang
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 05, 2011, 06:18 PM
Yes, po.. separate certificate per investment.
Hindi tulad sa mutual fund.. receipt lang.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Jun 05, 2011, 07:09 PM
I think UITF you cannot have a Statement of Account (SOA) for all certificates.
For mutual fund (like FAMI), i can request this (SOA) for all receipts for the regular investments i made.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jcruze057 on Jun 05, 2011, 07:41 PM
when do you think is the best time to invest in mutual funds?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Jun 05, 2011, 08:01 PM
Mostly, it depends when you will need the fund

Based on historical returns, this is my guidelines:

bond mf for short term goals
balanced mf for medium term
equity mf for long term
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: luranski on Jun 08, 2011, 11:28 PM
In Bdo, you can check your SOA thru their BDO online. =)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Jun 10, 2011, 05:21 PM
For most UITFs, you can see their daily values here with matching chart pa: http://www.uitf.com.ph/

Someone asked earlier about knowing the performance of his/her BDO Balanced Fund, you might be able to use this: http://trust.bdo.com.ph/trustwebsite/calculator.asp

Agree with Luranski, if you are enrolled in their internet banking, you may enroll your BDO UITFs there so will see its current market value anytime. This is what I did so no more manual computing of NAVPU x No. of Units.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kitkat on Jun 13, 2011, 10:28 PM
hello po, balak ko po sanang maginvest ngaun sa equity fund ng bdo, mukha kcng mas competent cla kesa sa bpi, ask k lang po, mga kelan m pa makukuha ang certificate,, kc alis ako next week,, thanks po in advance,.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: luranski on Jun 14, 2011, 10:28 PM
mga 2-3 days after mo madeposit.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Jun 15, 2011, 08:26 PM
i tried to enrol my uitf sa bdo online, ano po iyong CIF? ung Client master no. inimput ko as what was written dun sa certificate, pero ung CIF automatic na may no. na ung box, do i need to change it pa ba? Where can i get that no.?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 15, 2011, 09:49 PM
When I enrolled mine, hindi ko na pinalitan. yung client master # lng ang ininput ko
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: xtian001 on Jun 21, 2011, 06:21 PM
Want to invest in UITF with BDO but still have a lot of questions at sana ma-guide nyo ako. Planning to invest about 100k to 200k.

1. If I'm planning for a long term investment, say 2 years, tama ba na sa BDO Peso Equity Fund ko ilagay yung pera?

2. With the Equity Fund, do I need to pull out the whole investment everytime na tumaas na yung value nung NAVpu then invest again when the prices go down or is it better to leave all the money for 2 years without touching it?

3. Pwede ba parang joint account yan na nakapangalan sa dalawang tao so anyone can pull out the money if needed?

Hoping for your help para makapag decide ako.. Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jun 21, 2011, 08:59 PM
Want to invest in UITF with BDO but still have a lot of questions at sana ma-guide nyo ako. Planning to invest about 100k to 200k.

1. If I'm planning for a long term investment, say 2 years, tama ba na sa BDO Peso Equity Fund ko ilagay yung pera? Yes...invest money that you don't need.

2. With the Equity Fund, do I need to pull out the whole investment everytime na tumaas na yung value nung NAVpu then invest again when the prices go down or is it better to leave all the money for 2 years without touching it? ..... Its really up to you..when the profit is good enough..no need to wait for 2 yrs..it happens..it could also happen that 2 yrs na..negative ka pa rin.

3. Pwede ba parang joint account yan na nakapangalan sa dalawang tao so anyone can pull out the money if needed? ...I think yes.

Hoping for your help para makapag decide ako.. Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Jun 21, 2011, 10:39 PM
Want to invest in UITF with BDO but still have a lot of questions at sana ma-guide nyo ako. Planning to invest about 100k to 200k.

1. If I'm planning for a long term investment, say 2 years, tama ba na sa BDO Peso Equity Fund ko ilagay yung pera?

2. With the Equity Fund, do I need to pull out the whole investment everytime na tumaas na yung value nung NAVpu then invest again when the prices go down or is it better to leave all the money for 2 years without touching it?

3. Pwede ba parang joint account yan na nakapangalan sa dalawang tao so anyone can pull out the money if needed?

Hoping for your help para makapag decide ako.. Thanks!

2 years in not long term.. I am either in Balance or Bond fund for this medium term.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: xtian001 on Jun 22, 2011, 02:15 AM
So I can withdraw the money after 30 days as long as I see that it gains value or whenever I see gains? Or better to leave the money intact for 2-4 years, riding the ups and downs is better?

Looking at the previous history of the Equity funds, the gains are higher than the lows. Of course, one knows that you really can't base the gains from previous years. Pero it's still an upward trend for the past 5 years.

Kaya nga, the question is, for a medium (2 years) to long term (5 years) investment, would you just leave your Equity Funds untouched or better to buy and sell every time the opportunity knocks?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Jun 22, 2011, 04:00 AM
You can test your inquiries by pulling the historical monthly NAVPS for the last five years and then do simulation in excel.

Use one time big time investment, cost average and this 30days scenario to see which will give you better results before you employ the method you wanna go with.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 22, 2011, 10:36 AM
@allan, I agree, 2 years might be too short.
sabi nila there hasn't been a 10 year period that has been
negative

I took the liberty of trying to see if you're going to get
a negative or a positive return if you only invest for 2 years
As per my very rough spreadsheet calculation, 68% of the time
you'll get a positive return and 37% of the time you'll get
a negative return
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: xtian001 on Jun 22, 2011, 11:29 AM
@allan, I agree, 2 years might be too short.
sabi nila there hasn't been a 10 year period that has been
negative

I took the liberty of trying to see if you're going to get
a negative or a positive return if you only invest for 2 years
As per my very rough spreadsheet calculation, 68% of the time
you'll get a positive return and 37% of the time you'll get
a negative return

So the longer it stays, the better instead of pulling out your money when you see gains, then buying when there's a low?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Jun 22, 2011, 12:40 PM
I took the liberty of trying to see if you're going to get
a negative or a positive return if you only invest for 2 years
As per my very rough spreadsheet calculation, 68% of the time
you'll get a positive return and 37% of the time you'll get
a negative return

Try mo uli yung simulation between mid 2007 to mid 2009, thats the recession period. Try between a equity and balance fund kung sino ang mas ok results during that time.

Base dun sa silmulation na ginawa ko, kapag nainvest ka before 2004 and below, kahit noong recession of 07-09 eh me kita pa rin ang fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: diogz on Jun 24, 2011, 03:29 PM
Hi, san po kayo nakakakuha nung mga historical NAVPs?
Thanks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: arnel on Jun 24, 2011, 03:39 PM
icap.ph

Post Merge: Jun 24, 2011, 03:39 PM
oopsss,,, UITF pala, engot naman ako sagot ng sagot hehehe,,, sa websites ng bank mismo kung UITF,,
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: xtian001 on Jun 24, 2011, 03:49 PM
Which is a better product?

Metrobank's FAMI SALEF or BDO's Equity Fund?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 24, 2011, 07:56 PM
^

If FAMI doesn't have any sales load, I'd prefer it over
BDO's equity fund..
Performance wise, FAMI is definitely better than BDO
@diogz, meron po sa uitf.com.ph pero hindi lahat ng UITF andun.

@allan, i'll have to do that some time. The balanced fund should
have better performance if one wants to redeem during a bear market.

That sounds about right since the index was at 1,400 at the
start of 2004 and 3,500 in the end of 2009
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wrobles on Jun 26, 2011, 03:18 PM
Hello po sa lahat. Bago lang po ako rito and working abroad. want sana mag invest but don't know kung anong magandang pasokin na investment. wla rin po ako knowledge pa masyado bout sa mga mutual funds/UITF/VUL investing. it would be appreciated if someone could help me understand those.  salamat po sa sasagot.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: luranski on Jun 26, 2011, 04:49 PM
Hope this helps...

How to Invest in Unit Investment Trust Fund (UITF)

http://www.investorluranski.com/2011/06/how-to-invest-in-unit-investment-trust.html (http://www.investorluranski.com/2011/06/how-to-invest-in-unit-investment-trust.html)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: diogz on Jun 27, 2011, 09:41 AM
@mxherr5 Thank you.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: pinched on Jun 28, 2011, 12:41 PM
Hello guys..

I've been reading the threads since last weekend and I'm convinced to invest sa UITFS. I'm going to both bdo and bpi on Friday. Any suggestion kung san maganda mag invest? I'm thinking BPI and BDO equity.

Long term naman yung plan ko. Plan ko is invest ko yung money and forget about it for 10-13 years. Any suggestion will be greatly appreciated. Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: xtian001 on Jun 28, 2011, 07:54 PM
If I have 250k, is it better to place it in one basket, say BDO Equity, or better to split it to Metrobank Equity and BDO Equity.

Mukhang maganda naman ang performance nila the last 2 years.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: theEdge on Jun 28, 2011, 08:51 PM
pinched and xtian,
        let me first tell you that banks that offer equity funds uitf"s don't have influence on the value of the NAVPU ,the value depends on the ups and downs of the stock market.let me remind you that 10-13 yrs investment on these instrument will not guarantee a windfall return.study first how the stock market works.timing is very critical.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: MarcoAntonio on Aug 24, 2011, 04:51 PM
I did tracking of BDO and BPI UITF since April 2011.  Email me if you want to have a copy, its in MS Excel format.  celeste_markanthony@yahoo.com
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kumikitaAKOonlinedotcom on Sep 26, 2011, 05:06 PM
I am 32 years old and I would want to start investing, as part of my retirement plan. I am in for the long haul. I can make additional investment after the anitial 80K for a maximum of 5K/month for the next couple of years. 

I have been reading about UITF/MF/VUL/Stock Market etc for the last couple of days. I have 80K cash right now and I am willing to take the risks. I am closely looking at investing in UITF BDO Equity Fund (EIP), or probably the BPI counterpart. I am also looking at Citiseconline.

If you were in my shoes...where would you invest the money? Any advise in diversification strategies?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: orlee_v on Sep 28, 2011, 01:45 PM
If I have that money right now, I'll go to the bank right away and put it in equity fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bal4mula on Sep 28, 2011, 02:29 PM
MF/UITF is already diversified because its invested with different companies. 80k cash is small amount but a good start for you to invest. If you are willing to take high risk and can sleep with it then it would be better to put that in equity funds or stocks. You can choose to apply for BDO EIP/ BPI RSP/ COL EIP to make additional placement monthly. Check your financial goals first as usually advised here.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kumikitaAKOonlinedotcom on Nov 22, 2011, 05:11 PM
I have decided to put in my 100K with Unionbank Large CAp Equity Fund. (UITF). I went to a Unionbank branch yesterday, sabi sa akin ng New Accounts officer, through Branch Manager lang daw ang transaction. Kinakabahan ako, baka itakbo ng branch manager ko investment ko..hehe.. Newbie here..

My question is, what am I suppose to get as a certification na may nai place ako investment?

Secondly, i know may 20% tax. Some say it's incorporated na sa NAVPU. Is it true? For example ang NAVPU price by the time I  pull out my investment is, say, P400 and I have 300 Units. Do i get the whole 120,000 or babawasan pa ng 20% yung 20,000 na na gain ko? Thanks in advance!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Nov 22, 2011, 07:13 PM
Included na sa NAVPU yung taxes...i do not notice any deductions on the navpu value during redemption.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 22, 2011, 10:29 PM
What dont said, also take note that their UITFs have spreads
I think what they're reporting is the mid on their webpage,
and that's the actual NAV but they have a higher price
when you're buying and a lower price when your selling
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Nov 25, 2011, 12:07 PM
Hmmm, with 80 or 100K, I'd be more inclined to use cost averaging via the BDO EIP or smaller investments in any other equity UITF. Nakakatakot lang kasi yung world economy these days. Pag sumabog Europe, 2012 could be 2008 all over again for us. Eh nung 2007, nag invest ako ng malaking amount, only to see it go down to half within 2008. I told myself, if that type of year happens again, I'll use cost averaging para di masyado masakit.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joconcepcion on Nov 25, 2011, 02:08 PM
Is it advisable to purchase dollar now and have it placed sa UITF, ( Dollar Money Market Fund), kaysa sa Peso Equity Fund? please advise/comments..... tnx. :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Nov 25, 2011, 03:45 PM

            @JoC,dito mo ba gagamitin ang pera or sa ibang bansa? may pag gagamitan ka ba ng dollars mo in the future like mag migrate ba kayo, or yung schooling ng anak mo sa ibang bansa where in you will need dollars.Kasi kung dyan ka lang sa Pinas,why invest in dollars? ang alam ko yung ibang tao kaya nag dollar money market kasi sweldo nila are in dollars,ayaw nila papalitan kasi mababa pa ang palit so they park their money sa MMF.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joconcepcion on Nov 25, 2011, 04:27 PM
Salamat po sa info.!  :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Nov 25, 2011, 07:00 PM
I am 32 years old and I would want to start investing, as part of my retirement plan. I am in for the long haul. I can make additional investment after the anitial 80K for a maximum of 5K/month for the next couple of years. 


        If i were you,i would cost average it,meaning if i have 100k to invest in MF or UITF, i will place 20k monthly for 5 months or 25k monthly for 4 months.Inde ok mag lump sum ngayon.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joconcepcion on Dec 26, 2011, 02:40 PM
        If i were you,i would cost average it,meaning if i have 100k to invest in MF or UITF, i will place 20k monthly for 5 months or 25k monthly for 4 months.Inde ok mag lump sum ngayon.

Wintan.. puede ko bang ma withdraw ang interest ng UITF kapag ng mature/o nag lapse na ang hodling period e.g. 30days. pls. advice.
:help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: VeneurlArgent on Jan 09, 2012, 02:37 AM
Ung sa BDO po ba na Equity funds.http://trust.bdo.com.ph/trustwebsite/personal-page.asp?pid=784&s=778 (http://trust.bdo.com.ph/trustwebsite/personal-page.asp?pid=784&s=778)

Kasama din po ba yung kung ilang taon na nakalagak ang  pera sa UITFs sa factor ng pagcompute sa na gain ng pera?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 09, 2012, 04:46 AM
       If i were you,i would cost average it,meaning if i have 100k to invest in MF or UITF, i will place 20k monthly for 5 months or 25k monthly for 4 months.Inde ok mag lump sum ngayon.

Another POV:(Warning---Ameriki, his DCA is our PCA)

The Truth About Money

Excerpts(by Ric Edelman)

When Is the Best Time to Invest?
Four Ways to Create Savings
Who Says Saving Money Is Hard?
How to Get Out of Debt
When Is the Best Time to Invest?

Given $100,000 to invest, should you slowly invest that money over a period of time or simply invest all at once as one lump sum?

To understand the answer, realize that dollar cost averaging (Chapter 46) is intended for the accumulation of assets, not the distribution of assets already accumulated. Studies have shown that the investor who invests all at once makes more money than investors who DCA their way into the market.

This should be no surprise to you; after all, the entire benefit of averaging means that by default, you are guaranteed not to receive the lowest cost available, which in turn means you will not receive the highest returns, either. Since stock prices historically have an upward bias, the sooner you invest, the more money you will make, and dollar cost averaging delays that effort.

People who try to DCA large sums into the market soon learn why their strategy doesn't work: By investing $100,000 over a one-year period, they invest just $8,333 in the first month. That means they didn't invest $91,667. What will they do with that block of cash in the meantime?

It sits in cash, earning 1% interest -- hence the problem. Although you lower your risk by dollar cost averaging, you also lower your return. Therefore, the best time to invest is when you have the money! (After all, if you don't have any money, it's a pretty lousy time to invest, eh?)

This also means you should invest as soon as you do have the money. People sometimes tell me they're saving $25 per month in a bank account. "As soon as it grows to $5,000, I'll buy a mutual fund," they say. If your money is sitting in a bank at only 1% per year, do you realize how long it will take $25/month to grow to $5,000? Don't wait: Invest your money effectively now.

Though all this sounds fine, you're probably unconvinced, because you know that with your luck, the stock market will crash the day after you invest your life savings.

So please don't misunderstand me. I said to invest all your money at once, not invest all your money into stocks at once. The proper way to invest a lump sum is to invest it all at once -- but into a highly diversified portfolio.


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rangel on Jan 09, 2012, 07:03 AM
@VeneurlArgent

Yep...if you will click the 3rd Hyperlink..it will direct you to UITF Calculator..there you could get what you were lookin for. %Gain/Loss since time of investment.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: igig on Jan 18, 2012, 08:27 AM
Newbie here, Di po ba Sell High,Buy low? Question ko po, Regarding investing, kailangan ko po bang hintayin mag nosedive o bumaba ang navpu bago po mag-start mag-invest? Regarding Timing po, applicable din po ba ito sa fixed income fund, bond fund.TIA
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freelancer_babe on Jan 21, 2012, 08:37 AM
^ maganda nga naman kung sell high, buy low - but that is kung short term lang ang tingin mo sa UITF at gusto mo lang kumita ng quick cash at may time kang magmonitor ng investments mo.

Pero I'd rather do peso-cost averaging - investing at regular intervals instead of timing the market whether it's at its high or low. Long term kasi ang plans ko at wala akong time magmonitor ng mga investments ko.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Jan 21, 2012, 10:13 AM
Sa akin naman pag umabot na sa 20% target ROI, redeem agad, at yung income ini-invest ko sa Mutual Fund or UITF Fixed Income while yung principal amount naka invest ulit sa Equity Funds..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 21, 2012, 07:22 PM
Newbie here, Di po ba Sell High,Buy low? Question ko po, Regarding investing, kailangan ko po bang hintayin mag nosedive o bumaba ang navpu bago po mag-start mag-invest? Regarding Timing po, applicable din po ba ito sa fixed income fund, bond fund.TIA

Maybe you should take a look at the movement of their bond fund? I meant, if you want to buy low sell high. Go to the bank, accomplish all the necessary papers( this is from a person who gets irate at doing the same kind of paperwork. Sometimes, they send you out to photocopy your own IDs, maybe they need another kind than the ones you brought, etc.), and park your money in the product with the lowest risk. Then get back in when you try to time the market, and more than half of the paperwork has already been done--- like the investor profile questionaire :bored:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jan 21, 2012, 09:40 PM
Sa akin naman pag umabot na sa 20% target ROI, redeem agad, at yung income ini-invest ko sa Mutual Fund or UITF Fixed Income while yung principal amount naka invest ulit sa Equity Funds..

Do you actually just redeem the 20% gain or the whole amount and then you invest the 20% gain on fixed income funds and then reinvest the principal on equity funds?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jan 22, 2012, 10:50 AM
^I do the same...though I reinvest eveything in equities...when its not good in equities...i'm on money market.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Jan 23, 2012, 03:01 PM
Do you actually just redeem the 20% gain or the whole amount and then you invest the 20% gain on fixed income funds and then reinvest the principal on equity funds?

Sir, I redeem all my equity funds, except BDO Equity under EIP...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Feb 02, 2012, 09:35 PM
3 weeks ago, i have mo idea of investing besides from traditional banking.  I've been looking on how to diversify my portfolio and am glad that I've found this forum. I've learned a LOT! :-)  thanks to all the gurus here. Now i have 2 regular uitf, bdo balanced fund and bpi high conviction equity fund plus am enrolled in 2 bdo eip, balanced fund and equity fund. So far am happy with my investment. Now to diversify more, am waiting for the approval of my bpi trade amd col application to invest in stock market. While waiting ive been reading posts under stock and trading of PMT. This forum helped me a lot to open my mind amd make right decision (hopefully)... :-)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: disturbed on Feb 02, 2012, 10:35 PM
^ ok lang yan sir..we all start somewhere..and I started the same too 7-8 mos ago

goodluck on your investment journey
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Feb 03, 2012, 08:34 PM
@disturbed, thanks and goodluck to all of us... =)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Feb 10, 2012, 10:57 AM
hi guys,newbie lang me :hello: dito but i already started investing 10mos ago...my investment ako sa MF at UITF....recently just watch pesos and sense sa youtube at marami akong makuhang pointer dun im inviting you to watch it... :D
hope marami pa akong matutunan dito...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: oelski on Feb 12, 2012, 10:41 PM
Hi, newbie lang din po. I just recently opened a BDO Fixed Income UITF, FAMI Balanced Fund and Philequity Fund. For long term po yung FAMI and Philquity... Yung BDO short to mid term po.

Goodluck po satin lahat. : )
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: lowprofile888 on Feb 13, 2012, 10:11 AM
Hi, I am a newbie too. I would like to seek advice regarding which UITF to invest in. I'm looking for a long term investment, I will set aside a certain portion of my salary monthly for it. I have a savings account in BPI and BDO,  thank you :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 13, 2012, 10:31 AM
^Have you read the what the different types of UITF's being offered by the banks?

Normally kung long term naman ang horizon...go for equity.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Feb 13, 2012, 10:41 AM
Hi, I am a newbie too. I would like to seek advice regarding which UITF to invest in. I'm looking for a long term investment, I will set aside a certain portion of my salary monthly for it. I have a savings account in BPI and BDO,  thank you :)

sir you can check sa website ng BDO,kasi para malaman no kung anong klasing investor ka aggresive kaba,moderate or conservative...

happy investing po sa inyo...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ferrariEverest on Feb 13, 2012, 10:45 AM
Sir,
bawat tao iba.
u should research yourself & decide based on your personal investment profile & goals.
http://www.monitormyfunds.com/

take charge of your financial future :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: lowprofile888 on Feb 13, 2012, 10:48 AM
Thank you @DonT and @jenxent. I'm thinking of investing in BDO equity and fixed income fund. Is there a good or bad time to invest on those two?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Feb 13, 2012, 01:04 PM
 your :welcome: sir lowprofile888...dagdag niyo narin to

http://uitf.com.ph/ (http://uitf.com.ph/)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Feb 24, 2012, 12:03 PM
There really are so many views on the debate between cost averaging and lump sum investing. Since both do have pros and cons, what do we do?

I've personally tried both and based on the results, I'll continue to do both as well. Here are some thoughts:

1. I have work. It sometimes get in the way of investing especially when I want to time the market. So I do cost averaging on some of my funds. The money I use for cost averaging comes from my salary. Thus, as money comes in, a certain percentage goes out and is invested automatically. (BDO EIP) I agree with a previous post that I shouldn't wait for my savings to grow very big before investing especially if my monthly savings is already enough to be invested.

2. For funds that are already invested, I do try to time the market. Pulling out when the market falls or about to fall, and come back in when the market is poised to go up. By the way, I only do this for my stock investments and my equity UITFs. To be able to do this with a certain degree of confidence, I learned about technical analysis and read as much investment news as I can to see how others see the market.

3. Let me share one experience where cost averaging worked over lump sum investing. Last year, my funds in the equity fund grew by only 2%. But my EIP on the same equity fund, grew by 6%.

4. Let me also share one experience where lump sum investing won out, in 2009 when the market rose more than 50%.

My final point is this: let us increase our knowledge about these investing styles. Then, try to determine the possible direction of the market and use the appropriate investing strategy.

To our prosperity!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: noipsg on Feb 25, 2012, 09:59 AM

2. To be able to do this with a certain degree of confidence, I learned about technical analysis and read as much investment news as I can to see how others see the market.

Sir silent_investor, would you be able to share your strategy how the above is done like for the news, which website or newspaper you get the info? What particular info/indicator you are looking for. Sensya  na noob lang po. :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Feb 25, 2012, 01:01 PM
There is no single strategy which will work in all occasions, situations and for everybody.

Everybody has different financial standing, capacity and knowledge...therefore....different financial strategies are required

What is left for us to do is to know where we are...and what strategy matches with it.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Feb 27, 2012, 11:50 AM
There is no single strategy which will work in all occasions, situations and for everybody.

Everybody has different financial standing, capacity and knowledge...therefore....different financial strategies are required

What is left for us to do is to know where we are...and what strategy matches with it.

availability ng resources :D :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ferrariEverest on Feb 27, 2012, 12:08 PM
.. how the above is done like for the news, which website or newspaper you get the info? What particular info/indicator you are looking for.
Sir,
kung tungkol sa technical analysis:
www.Forexfactory.com (http://bit.ly/wIJYVT)
go to james16 thread (http://bit.ly/zADa7H) ----  thread that teaches about support & resistance trading..... S&R ang isa sa pinakamagandang 'indicator'.

www.forexfactory.com/calendar.php    -- news
http://stockcharts.com/school/doku.php?id=chart_school:chart_analysis
www.investopedia.com
www.babypips.com    -- basics of TA, may 'school' dito

if u are interested in learning about TA, u can post questions sa Forex at Stock Trading subforum dito sa PMT. u can also PM me.
Good luck sa 'journey' mo!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Feb 27, 2012, 01:43 PM
Sir silent_investor, would you be able to share your strategy how the above is done like for the news, which website or newspaper you get the info? What particular info/indicator you are looking for. Sensya  na noob lang po. :)

Noipsg, in technical analysis, I learned about trends and formations. Basically, uptrend is good, downtrend is not. There are some bullish formations and bearish formations which can "predict" the next move of the market. I would suggest you attend a technical analysis seminar. You can check out Absolute Traders, Citiseconline also offers free (or minimum fee) seminars and I think even our very own PSE offers it too.

Newspapers:Philstar at home (Philequity corner every Monday), and Businessworld at the office.

Websites: Absolute Traders, PMT, Citiseconline also has their own technical analysis available to their clients.

Don't worry about your questions. We are all here to learn from each other. Hopefully, in time, you'll pay it forward too and be the one answering the questions here.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Mar 21, 2012, 08:42 AM
My husband enrolled in BDO EIP, Peso Fixed Income Fund and Equity. tanong lang why prang walang ibang forms na pinaaccomplished sknya Enrollment lang. Even photo nga walang nirequire? Dpat di ba prang may magfill out kami ng IPQ, RDS at CIS forms. Or dahil may account na siya dun no need na? TIA
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Mar 21, 2012, 01:01 PM
^bravelicious, i also have eip as well as regular UITF.  if meron ka ng regular UITF, enrollment form lang need.  yun ang pina-fill out sa akin...

but if you don't have regular UITF account and hindi na nagfill-out ng form... baka need na i-clarify... kasi yung kasabayan ko na nag-apply, tinanong siya kung meron na syang regular UITF, nung sinabi na wala, merong additional form "risk assessment" ang nabasa ko...

hope this helps... :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Mar 23, 2012, 05:33 PM
^bravelicious, i also have eip as well as regular UITF.  if meron ka ng regular UITF, enrollment form lang need.  yun ang pina-fill out sa akin...

but if you don't have regular UITF account and hindi na nagfill-out ng form... baka need na i-clarify... kasi yung kasabayan ko na nag-apply, tinanong siya kung meron na syang regular UITF, nung sinabi na wala, merong additional form "risk assessment" ang nabasa ko...

hope this helps... :D

hala..first time yun, wala pa kaming regular na UITF sa BDO. dami kasing tao sa BDO branch where we enrolled our savings account, sa mall kasi para kahit saturday at sunday may bangko kaya dun kami kumuha. dun din ko ba kailangang iclarify? o sa kahit anong branch? thanks sa reply.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Mar 23, 2012, 07:22 PM
hala..first time yun, wala pa kaming regular na UITF sa BDO. dami kasing tao sa BDO branch where we enrolled our savings account, sa mall kasi para kahit saturday at sunday may bangko kaya dun kami kumuha. dun din ko ba kailangang iclarify? o sa kahit anong branch? thanks sa reply.
Ganto din nangyari sakin sa UITF ko,,kaso naginsist ako na dapat may form kayong ipapafill up sakin which is yung IPQ, RDS at CIS nga,ayun dun lang nila inabot sakin yung form.,,di nila alam products nila hehe,,pero mukang di naman kasi kelngan nun talga SOP lang ng BSP para sa security ng customer,di man lang nga nadiscuss sakin yung UITF eh,sabi lang sakin wag daw ako pumasok dun at di raw sure yun,,^_^ inintindi ko nalng..hehe,mahalaga lang po yung trust certificate nyo..wala na yung mga form form na yun echos lang din naman yun,,

Post Merge: Mar 23, 2012, 07:24 PM
Ganto din nangyari sakin sa UITF ko,,kaso naginsist ako na dapat may form kayong ipapafill up sakin which is yung IPQ, RDS at CIS nga,ayun dun lang nila inabot sakin yung form.,,di nila alam products nila hehe,,pero mukang di naman kasi kelngan nun talga SOP lang ng BSP para sa security ng customer,di man lang nga nadiscuss sakin yung UITF eh,sabi lang sakin wag daw ako pumasok dun at di raw sure yun,,^_^ inintindi ko nalng..hehe,mahalaga lang po yung trust certificate nyo..wala na yung mga form form na yun echos lang din naman yun,,

wag din po kayo kabahan ^_^ mahalaga mabigyan kayo ng trust certificate yung mga forms problema nila yun pag dating ng audit nila hehe..^_^ kabahan kaya after one week at wala pa kayong certificates hehe ayun malamang kabahan kayo ng husto..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: krissy on Mar 24, 2012, 09:37 AM
anyone who has invested in UCPB and BDO UITF? how's the performance? TIA
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Mar 24, 2012, 09:49 AM
anyone who has invested in UCPB and BDO UITF? how's the performance? TIA
May equity ako sa BDO,,masyadong magnda magnda ngayon ang market ewan ko lang kung hanggang kelan,,positive na lahat ng returns ngayon bullish masyado market..di mganda sumabit ngayon wait pa siguro ng konti para bumaba,,pero opinyon ko naman po yun ma'am, maaaring mali ako,,pero uitf naman po yan walang ibang pupunthan yan kundi pataas after 2-3 years..^_^
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: casanova on Mar 24, 2012, 11:34 AM
May equity ako sa BDO,,masyadong magnda magnda ngayon ang market ewan ko lang kung hanggang kelan,,positive na lahat ng returns ngayon bullish masyado market..di mganda sumabit ngayon wait pa siguro ng konti para bumaba,,pero opinyon ko naman po yun ma'am, maaaring mali ako,,pero uitf naman po yan walang ibang pupunthan yan kundi pataas after 2-3 years..^_^

yup, maganda yung market ngaun kaya expect good gains. If your going for an entry today, tingin ka ng day na namula ang Index for few consecutive days. I have a BDO UITF, a peso balance and an equity, less than a year pa lang paper gain of 11-13%. Its a long term investment for me. Binigay ko na yung 2 account na yun as a birthday gift for my daughter. But i beg to disagree on "uitf ay walang pupuntahan kundi pataas" uitf and mutual fund is not imune to bear market. Mas makikita mo nga effect nyan sa kanila konting problem sa market and NAV drops lots of people might pull out thier investment causing further drop.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: cellwhiz on Mar 24, 2012, 06:50 PM
BDO UITF 6 na types ata yun, PMMF (money market fund), bond fund, balanced fund, may equity fund pa. They have this calculator in BDO trust website wherein you can calculate your gains/loss just by entering the period and the amount of investment that you placed. So far, Yung equity fund ang may pinaka mgandang return kasi nga bullish ang trend ngaun. Tama, the best entry is when the Index is in the red zone. Kasi if you participate in UITF when the market is at all time high, most likely negative ka agad pag nag correct. But who knows di ba? They also have this EIP easy investment plan. You might also check this out.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Mar 25, 2012, 03:43 PM
yup, maganda yung market ngaun kaya expect good gains. If your going for an entry today, tingin ka ng day na namula ang Index for few consecutive days. I have a BDO UITF, a peso balance and an equity, less than a year pa lang paper gain of 11-13%. Its a long term investment for me. Binigay ko na yung 2 account na yun as a birthday gift for my daughter. But i beg to disagree on "uitf ay walang pupuntahan kundi pataas" uitf and mutual fund is not imune to bear market. Mas makikita mo nga effect nyan sa kanila konting problem sa market and NAV drops lots of people might pull out thier investment causing further drop.


Tama po yung affected din ang UITF pero sa tingin ko malayo kesa sa stocks, masyadong diversified yung uitf kaya di gano ka risky, maliban nalng pag nagkaroon ng biglang global crisis, pero kaya ko nasabi na walang pupuntahan yan kundi pataas,after ng crisis dun ulit sa taas pupunta yan...wala namang economy na di na bumangon after masalanta..^_^ lalo na ngayon sabi nga nila nasa tuwid na daan,,sa daang bawal ang wang wang..hehe..bumaba man yan automatic babawi yan,yan naman ang pinakita ng history ng UITF,mula nung nagopen sila..kaya invest na..habang bata pa ang UITF..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Mar 26, 2012, 11:42 AM
BDO equity din yung sakin nasa 16-18% paper gain after 10mos,sa tingin ko basta nka.pag investment ka ng maaga.aga sa mga equity fund eh maganda talaga ang kalalabasan kahit sa MF :applause: :applause: :rakenrol:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Mar 26, 2012, 04:20 PM
Tama mas maaga pasok mo mas ok..pero may pagkakataon din na timing ng market tulad last oct2011 sobrang bumaba pero biglang lumipad din by the same month..swerte nalng siguro kung matapat ka sa mababang presyo ng NAVPU,,bear market pinakamganda pumasok sa uitf pag affected na ang unit price..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Mar 26, 2012, 05:15 PM
But even the most intelligent person will not know the right timing... Nobody csn predict the exact date when is the best time to enter this investment...

Just my two cents worth... :-)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Mar 28, 2012, 03:36 PM
just break the codes...^_^
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joconcepcion on Mar 28, 2012, 05:27 PM
maganda ang UITF based on my experience!
Pang LONG TERM talaga po siya...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Mar 28, 2012, 05:35 PM
My BDO UITF is doing well. Can't beat it yet by investing directly in stocks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joconcepcion on Mar 28, 2012, 05:40 PM
My BDO UITF is doing well. Can't beat it yet by investing directly in stocks.

specially yung BDO equity bonds sir, tama po ba?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Mar 28, 2012, 05:42 PM
compared to BPI HI-CON and BDO Fixed and Equity, I'll go for BDO...  :watchuthink:

BDO gives much higher return than BPI kasi on my case with the same settlement date....   :yoohoo:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Mar 28, 2012, 05:45 PM
Yes, joconcepcion...BDO Equity.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joconcepcion on Mar 28, 2012, 05:49 PM
Yes, joconcepcion...BDO Equity.


Mayrun din ako sir at sa MBT maganda din.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Mar 28, 2012, 05:50 PM
i did have MBT before...but the fund performance and branch service sucks...
Kaya i closed my account sa kanila. BDO pa rin. I am trying now BPI.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Mar 30, 2012, 09:46 AM
^bravelicious, i also have eip as well as regular UITF.  if meron ka ng regular UITF, enrollment form lang need.  yun ang pina-fill out sa akin...

but if you don't have regular UITF account and hindi na nagfill-out ng form... baka need na i-clarify... kasi yung kasabayan ko na nag-apply, tinanong siya kung meron na syang regular UITF, nung sinabi na wala, merong additional form "risk assessment" ang nabasa ko...

hope this helps... :D

tanong po, sorry newbie, ano pagkakaiba ng BDO UITF at EIP UITF?tia

Post Merge: Mar 30, 2012, 09:53 AM
Ganto din nangyari sakin sa UITF ko,,kaso naginsist ako na dapat may form kayong ipapafill up sakin which is yung IPQ, RDS at CIS nga,ayun dun lang nila inabot sakin yung form.,,di nila alam products nila hehe,,pero mukang di naman kasi kelngan nun talga SOP lang ng BSP para sa security ng customer,di man lang nga nadiscuss sakin yung UITF eh,sabi lang sakin wag daw ako pumasok dun at di raw sure yun,,^_^ inintindi ko nalng..hehe,mahalaga lang po yung trust certificate nyo..wala na yung mga form form na yun echos lang din naman yun,,

Post Merge: Mar 23, 2012, 07:24 PM
wag din po kayo kabahan ^_^ mahalaga mabigyan kayo ng trust certificate yung mga forms problema nila yun pag dating ng audit nila hehe..^_^ kabahan kaya after one week at wala pa kayong certificates hehe ayun malamang kabahan kayo ng husto..

dimasalang, ano yung trust certificate? sa regular UITF lang ba yun? pareho lang ba ang inooffer ng BDO UITF? the only difference eh, when enrolled in EIP it is automatically debited to savings account pag regular UITF derechong cash ang pagbabayad o pagiinvest sa chosen UITF? prang naguluhan ako. parang ang nadiscuss lang during the seminar i attended regarding EIP if nareach na ang minimum dun ka lang makakakuha ng Certificate of Partipation (COP). same as trust certificate ba yun? waah! ang gulo! please enlighten me. thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Mar 30, 2012, 09:16 PM
^

EIP is just a payment method for UITF.

So if you don't have 10,000 to invest, you
can enroll in an EIP and then you can invest
as low as 1,000 per month in your chosen
UITF.

Or if your rich but don't have time to go to
the bank every time then you can basically
automate the investment process.

I believe that your right, dima is referring to
the certificate of participation when he said
trust certificate
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Mar 30, 2012, 09:31 PM
tanong po, sorry newbie, ano pagkakaiba ng BDO UITF at EIP UITF?tia
@bravelicious, BDO UITF is the regular UITF meaning you need to invest PhP100K (money fund) or PhP10K (other UITF) or $2K (dollar) in single time..  Once you have invested it, you will get your COP 7 working days (based on my experience) where you invested your money....  For EIP UITF, you only need minimum of PhP1k or $500 per month to be deducted in your BDO account either once or twice a month... you will get your COP once you have reached the minimum requirement for regular UITF...  hope this helps... =)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Mar 31, 2012, 01:18 PM
@bravelicious, ang pagkakaiba lang po nun pag nareach na ng EIP mo yung price automatic bibili siya ng unit pero kung direct ka at hindi EIP pwede kang magisip muna kung ok ang price ng NAVPU oh masyadong mahal,cost averging ka tlga pag EIP pero pag direct medyo may konting twist,SUPER EIP tawg ni BO dun,pero mganda din yung EIP kasi automatic yun chaka di mo kelngang pumunta palagi sa bank,pag direct ikaw ang pupunta lagi para mamili ng unit,,kaya depende din sayo ano mas ok sayo.. ako kasi direct malapit lang ako sa bdo bank, at mas prefer ko yung maganalize muna ng market bago pumasok ulit..save muna sa sarili tapos pasok na pag ok na sa tingin ko yung price sa target date ko ng exit..

trust cert=COP po pala..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Apr 02, 2012, 05:24 PM
thanks mxherr5, vgal0579 and dimasalang. nalinawan na ko. tanong ulit pano ko malalaman na may COP na ko if ever umabot na sa 10K yung inenroll ko sa EIP na BDO Equity at Peso Fixed Income? iemail ba ko o ittawag ko sa branch? gusto ko rin sna magopen ng BDO Peso Money Market, pero short term lang halimbawa, say three months. pwede ko ba iredeem yun kahit wala pang 100K na minimum investment sa BDO PMM? it means wala pa kong COP nun?chaka without charge yun di ba? kasi wala namang holding period yun? tama ba? sori po maraming tanong.. 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Apr 02, 2012, 08:15 PM
tatawagan ka po ng bdo at sasabihin na available na yung COP mo,,pang short term po tlga yung money market,kung di ka pa naman umaabot sa 100k di ka pa maeenroll dun kaya no need magwithdraw di ka pa po pasok sa uitf nun,ibig sabihin naka tengga palang pera mo nun,kung pwede mong iwithdraw malamang po pwede naman..pero kung money market sir,mukang di maganda mag EIP,medyo malaki capital na kelngan dun maliban nalng po kung mga 50k/month ang nahuhulog nyo ^_^ without charge po tlga yun kasi nga po di pa kayo enrolled,at walang holding period at walang COP..^_^
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Apr 02, 2012, 09:45 PM
@bravelicious, based on my experience, I have 5 UITF enrolled in EIP under my account, for two months now.  Last week I wanted my kids to have their own UITF EIP.  So I withdrew 2 EIP (not reaching the minimum for COP) and got it in 4 days with interest already (5.++%) without charge since deductions are already incorporated in NAVpu...  Then I enrolled 1 UITF each to my kids starting this April... hope this helps...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Apr 03, 2012, 07:57 AM
@bravelicious, based on my experience, I have 5 UITF enrolled in EIP under my account, for two months now.  Last week I wanted my kids to have their own UITF EIP.  So I withdrew 2 EIP (not reaching the minimum for COP) and got it in 4 days with interest already (5.++%) without charge since deductions are already incorporated in NAVpu...  Then I enrolled 1 UITF each to my kids starting this April... hope this helps...

ok thanks po. baka kasi this month eh magkabonus kami sa office may travel kami on June ni hubby. by the way girl po ako. balak ko iinvest sa PMMF ng BDO. so pwede pala? o meron pa ba kayong ibang magssuggest wer can i invest na pwedeng lumago in span of three months..wag stocks ha, wala talaga akong idea doon. TIA
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bella_cor on Apr 03, 2012, 08:44 AM
nung December, i invested sa BDO Equity Fund. Nilagay ko yung travel fund namin na 20thou. Nung niredeem namin last month, 10% din yung gain.

we will never know talaga kung maggagain yung funds. naglagay lang kami ng target na kapag di nareach yung 10%, hold lang muna yung funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Apr 03, 2012, 09:40 AM
^nagenroll kami sa BDO Equity Fund thru EIP last month lang.so will you suggest kaya na ideposit na lang namin yung travel fund namin  sa BDO EF namin tapos iredeem na lang yung amount na for the travel alone at iwan yung iba? pwede ba yun? hindi lahat irredeem? partial amount lang? pag ganun ba hanggang hindi ka nagunsubscribe automatic debit pa rin...thanks!   
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bella_cor on Apr 03, 2012, 09:55 AM
^nagenroll kami sa BDO Equity Fund thru EIP last month lang.so will you suggest kaya na ideposit na lang namin yung travel fund namin  sa BDO EF namin tapos iredeem na lang yung amount na for the travel alone at iwan yung iba? pwede ba yun? hindi lahat irredeem? partial amount lang? pag ganun ba hanggang hindi ka nagunsubscribe automatic debit pa rin...thanks!   

pede ka rin bumili ng UITF on top of your EIP.

pede magpartial redeem. basta yung maiiwan, at least 10k, which is the minimum participation amount.

auto debit pa rin unless mguunsubscribe ka, which will need you to fill out a form.

wala akong EIP. pinambili ko lang yung nasa savings account ko.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Apr 03, 2012, 10:33 AM
^pano ba bumiling regular UITF? newbie kasi ako. nagseminar na ko BDO EIP lang. so wala talaga kong idea kung pano yung regular UITF? BDO Equity Fund ba ang maganda for my plan na travel fund? o ano kaya? thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bella_cor on Apr 03, 2012, 10:59 AM
punta ka sa branch. sabihin mo lang magpplace ka ng UITF. bibigyan ka ng CoP, nakalagay dun yung NAVPU and number of units na nabili mo.

actually, yung sa EIP mo, once na makaipon yung ng 10k, saka lang nila ipplace yung pera sa UITF. saka ka lang makakakuha ng COP.

madami pa types ng UITF. we also have BPI Odyssey (Peso Bond and High Conviction Equity).

read mo yung sa websites ng mga banks. and choose the vehicle that suits your profile
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Apr 03, 2012, 12:13 PM
actually, yung sa EIP mo, once na makaipon yung ng 10k, saka lang nila ipplace yung pera sa UITF. saka ka lang makakakuha ng COP.

prang sis yung sabi sa seminar, kahit 1K pa lang ininvest aandar na ang investment hindi siya tengga, pero ang spin off eh pag naka10K ka na if yun ang minimum investment at dun ka pa lang bibigyan ng COP. which is better ba, BPI UITF or BDO UITF?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Apr 04, 2012, 10:36 AM
actually, yung sa EIP mo, once na makaipon yung ng 10k, saka lang nila ipplace yung pera sa UITF. saka ka lang makakakuha ng COP.

Tama po si brave, ang 10k ang threshold para ma issuehan ka ng COP
pero yung pera mo, na iinvest na agad yun sa chosen UITF mo.

@ brave,

BDO for me =D
BPI's performance sucks pero ok ang BPI in other aspects.
1k lang minimum investment amount
Pwedeng mg redeem at invest online.. Walang hassle
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Apr 04, 2012, 01:48 PM
^nagenroll kami sa BDO Equity Fund thru EIP last month lang.so will you suggest kaya na ideposit na lang namin yung travel fund namin  sa BDO EF namin tapos iredeem na lang yung amount na for the travel alone at iwan yung iba? pwede ba yun? hindi lahat irredeem? partial amount lang? pag ganun ba hanggang hindi ka nagunsubscribe automatic debit pa rin...thanks!   
@bravelicious, you need minimum of PhP10K to transact on BDO UITF then PhP1K succeeding.  For every COP issued, you need to withdraw all.  If EIP naman, kahit di pa nareach ang PhP10K at walang COP, pwede mo redeem lahat.  Tama ka, til di ka nag-unsubscribe, deretso pa rin deduction.  As update, enrolled again on 2 UITF yesterday.  Kasi ang baba na ang interest pag savings o current account, less than 1% per annum un.  Between BDO and BPI, so far as of now, I can say that BDO performed better.  But I've read somewhere that the top 3 UITF is from BPI at walang pumasok sa Top 10 ang BDO..... hmmmmmm....  :boxing:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Apr 04, 2012, 08:33 PM
@bravelicious, you need minimum of PhP10K to transact on BDO UITF then PhP1K succeeding.

1k succeeding? Talaga? Since when?
As far as I know its been 10k initial and succeeding.
That's good news.
Let me check BDO's site again =D

Between BDO and BPI, so far as of now, I can say that BDO performed better.  But I've read somewhere that the top 3 UITF is from BPI at walang pumasok sa Top 10 ang BDO..... hmmmmmm....  :boxing:

It might have been BPI's Odyssey Funds
May sales load nga lang yun
Sayang.
Hihintayin ko ma expire contract nila sa mga 3rd party broker
at pwede na nilang tanggalin ang sales load
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Apr 13, 2012, 09:29 AM
1k succeeding? Talaga? Since when?
As far as I know its been 10k initial and succeeding.
That's good news.
Let me check BDO's site again =D


EIP or easy investment plan ata yung ibig sabihin niya sir...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: greeevanz on Apr 13, 2012, 09:52 AM
Was about to invest yesterday in BDO's and BPI's equity UITFs respectively (for the first time ever) pero preferred to do it next week coz I thought North Korea's rocket launch might shake things up a bit and lower the NAVPUs.

But holistically considering buti nalang palyado yung rocket at failed yung launch.

Tong si Kim Jong Un dapat dalhin to sa Bocaue para mag-seminar dun sa mga gumagawa ng paputok.  :harhar:

Planning to invest both at a minimum 10k each of 'em.

Any tips and suggestions will be highly appreciated guys. :D

Planning to invest in MF's balanced or equities as well (FAMI).
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Apr 13, 2012, 11:47 AM
EIP or easy investment plan ata yung ibig sabihin niya sir...

10K minimum for succeeding (if you've placed 100K already) is for BDO Peso Market...

but for EIP, you only need 10K minimum and succeeding...

I've added another 2 UITF (this is separate from my 1st), PBAL and Equity because compared to BPI High Conviction Fund, it already gave me a return of 9% while sa HConv, if you will include the upfront fee, nasa 3% lang....


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: greeevanz on Apr 13, 2012, 12:25 PM
Need advise sirs. Super newbie here. Been reading a lot lately coz I'm trying to invest into UITF and MF.

I went to BDO and BPI respectively to check their respective UITFs (BPI's hicon and BDO's equity funds) and BDOs NAVPU is at 299 while BPI if i remember correctly stands at 190(?) around that not sure can't remember.

My question (or perception/plan) is could I assume that since they have the same 10k initial, considering the NAVPUs if I go with BPI I can get more shares over BDO...is that strategy making sense?

Sorry for all these silly questions and thanks very much in advance for any advise I can get.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mamee on Apr 15, 2012, 12:50 AM
Re BDO EIP paano kung mag invest ako ng 10k per month?  Mag automatic spin off sya every month?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Apr 15, 2012, 04:16 AM
it should
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: dimasalang on Apr 15, 2012, 06:29 PM
Need advise sirs. Super newbie here. Been reading a lot lately coz I'm trying to invest into UITF and MF.

I went to BDO and BPI respectively to check their respective UITFs (BPI's hicon and BDO's equity funds) and BDOs NAVPU is at 299 while BPI if i remember correctly stands at 190(?) around that not sure can't remember.

My question (or perception/plan) is could I assume that since they have the same 10k initial, considering the NAVPUs if I go with BPI I can get more shares over BDO...is that strategy making sense?

Sorry for all these silly questions and thanks very much in advance for any advise I can get.

yup more shares po tlga,pero di po shares ang usapan,interest...marami ka nga pong shares di naman tumataas presyo ng nAVPU mo,depende ang kita mo sa laki ng tinaas ng NAVPU nyo po hindi sa dami ng shares nyo,..^_^
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: greeevanz on Apr 15, 2012, 10:32 PM
yup more shares po tlga,pero di po shares ang usapan,interest...marami ka nga pong shares di naman tumataas presyo ng nAVPU mo,depende ang kita mo sa laki ng tinaas ng NAVPU nyo po hindi sa dami ng shares nyo,..^_^

I see sir.

Thanks for the inputs!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Apr 20, 2012, 12:19 PM
@bravelicious, based on my experience, I have 5 UITF enrolled in EIP under my account, for two months now.  Last week I wanted my kids to have their own UITF EIP.  So I withdrew 2 EIP (not reaching the minimum for COP) and got it in 4 days with interest already (5.++%) without charge since deductions are already incorporated in NAVpu...  Then I enrolled 1 UITF each to my kids starting this April... hope this helps...

vgal, please check yung nakuha mong funds... If nag withdraw ka bago ka nabigyan ng COP (meaning di pa umaabot ng 10K) may charge daw yun. Maliit lang naman, .5% lang. So kunwari 6% dapat kinita mo, dahil sa charge na yun, 5.5% lang makuha mo.

yung deductions na nabangit mo, baka po yun yung trust fee. Tama na nakapasok na ito sa pag compute ng NAVPU.

Post Merge: Apr 20, 2012, 01:32 PM
pede ka rin bumili ng UITF on top of your EIP.

pede magpartial redeem. basta yung maiiwan, at least 10k, which is the minimum participation amount.

auto debit pa rin unless mguunsubscribe ka, which will need you to fill out a form.

wala akong EIP. pinambili ko lang yung nasa savings account ko.

Yes, pwede ang partial redemption. Basta ata ang pag redeem e base sa COP mo. Kunwari may 3 COP ka na, pwede mo redeem isa lang or dalawa lang.

Post Merge: Apr 20, 2012, 01:40 PM
1k succeeding? Talaga? Since when?
As far as I know its been 10k initial and succeeding.
That's good news.
Let me check BDO's site again =D

It might have been BPI's Odyssey Funds
May sales load nga lang yun
Sayang.
Hihintayin ko ma expire contract nila sa mga 3rd party broker
at pwede na nilang tanggalin ang sales load

mxherr5 is correct. Naguguluhan ata tayo on direct UITF or EIP. Para po malinaw: Kung direct placement sa BDO Equity Fund you would need at least 10K to invest. Lahat din ng kasunod, minimum of 10K.

If sa EIP po, lowest possible contribution is 1K. Ito bale yung amount na kukunin sa BDO account natin every contribution. Pwede rin mas mataas, meron ako 3K ang bawat bawas every 5th of the month.

May nagbangit pala na 10K initial daw tapos pwede na 1K sa susunod. Sa BPI po yun. Tawag nila Regular Subscription Plan (RSP).
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Apr 22, 2012, 05:45 AM
Yeah.. bummer. Akala ko pa naman 1k nlang rin ang BDO hehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sneaker23 on May 12, 2012, 12:57 AM
Yeah.. bummer. Akala ko pa naman 1k nlang rin ang BDO hehe

yes, 1k ang bdo.

i attended their may 5 seminar

marami silang uitf , pero 4 lang ang eip, 3 PESO (fixed, balance & equity) of which 1k lang ang initial at succeeding. ang peso money market starts at 10k initial.

para mas malinaw

peso money market - 10k initial, succeeding 1k
peso fixed income, peso balance & peso equity - needs only 1k initial at 1k succeeding

http://trust.bdo.com.ph/trustwebsite/personal-page.asp?pid=812

i think sila na ang pinakamura.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mamee on May 12, 2012, 03:41 AM
^sure ka 1k initial? Hindi 10k?
 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on May 12, 2012, 09:58 AM
@mamee, it's under their EIP, you will not get the COP unless your contribution reaches 10K.

for peso fund, 10K min and you will not get your COP unless your contribution reaches 100K.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sneaker23 on May 12, 2012, 01:12 PM
^sure ka 1k initial? Hindi 10k?
 

kindly visit the bdo link above

here's an excerpt

Investment Amount:   Starts at Php1,000.00 per contribution per month for all UITFs with the EIP feature except for the BDO Peso Money Market Fund (PMMF) which starts at Php 10,000.00.



Post Merge: May 12, 2012, 01:15 PM
@mamee, it's under their EIP, you will not get the COP unless your contribution reaches 10K.

for peso fund, 10K min and you will not get your COP unless your contribution reaches 100K.

as what they have mention during the seminar, with or without the COP, your 1k contribution starts to realize the gain or loss, as oppose to what I thought before that they'll just gather your accumulated 10k before realizing any gain or loss.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 12, 2012, 04:33 PM
^

I think you didn't read the exchange too well.
We were talking about investment minimums when
investing directly, i.e. without enrolling in an EIP.

Well, anyways.. there's still EIP if I can't come up
with 10k every month lol
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vhast on May 20, 2012, 02:29 PM
tanong lng po sa may investment sa bdo...
nag-invest na ako sa BDO uitf-equity, 10,000php..ngaun i'm planning na may auto debit monthly na 1,000php. ang sabi sken ng teller bkit hindi ko na lng na gwing 10,000 php para may certificate na. kasi mjo malaki nmn ung pera sa account ko.

first time ko plang kasi mag-invest...so nagttry lng ako s mababa lng muna......btw seaman kasi ako...kya wla akong time pra mg invest monthly...ndi ba cros-averaging ung ggwin ko na 1,000 monthly?...need suggestions po..thanks...


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 21, 2012, 07:19 AM
Yes, cost averaging po yun kng every month kayo mg invest
regardless of the amount..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on May 21, 2012, 01:40 PM
tanong lng po sa may investment sa bdo...
nag-invest na ako sa BDO uitf-equity, 10,000php..ngaun i'm planning na may auto debit monthly na 1,000php. ang sabi sken ng teller bkit hindi ko na lng na gwing 10,000 php para may certificate na. kasi mjo malaki nmn ung pera sa account ko.

first time ko plang kasi mag-invest...so nagttry lng ako s mababa lng muna......btw seaman kasi ako...kya wla akong time pra mg invest monthly...ndi ba cros-averaging ung ggwin ko na 1,000 monthly?...need suggestions po..thanks...

sir bat hindi niyo gawing 10k a month total kaya niyo naman po,kung 1k kasi parang EIP po ata yun,since 1k a month lang hindi agad macrecredit yung or makakabili ng units,hintay muna kayo mka.abut hangang 10k...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 21, 2012, 03:59 PM
jen, ma ccredit/iinvest agad yun kahit 1k lng. ang wala lang, ay ang COP.. mkukuha mo lng kng ang market value ng EIP mo ay 10k na.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on May 22, 2012, 12:10 PM
^even with EIP, your money will already realize the gain/loss...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mamee on Jun 05, 2012, 08:58 PM
tanong lng po sa may investment sa bdo...
nag-invest na ako sa BDO uitf-equity, 10,000php..ngaun i'm planning na may auto debit monthly na 1,000php. ang sabi sken ng teller bkit hindi ko na lng na gwing 10,000 php para may certificate na. kasi mjo malaki nmn ung pera sa account ko.


Oo nga naman - kaya mo naman pala 10k per month... yun na lang gawin mo para may certificate ka na... :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gh0st on Jun 11, 2012, 07:51 AM
Mga sirs paano po ba malalaman NAV for the day? kasi I'm checking sa website ni BDO pero parang walang present NAV for the day listed, usually NAV for the previous business day. Kailangan po ba ito itawag o itanong mismo sa branch? info po sana kung sakali kasi mag-redeem alam yung NAV for the day. Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 11, 2012, 08:44 AM
^ghost, nag-u-upate BDO uitf NAVPUs usually, mga around 8 830pm...check mo at that time, it will reflect the day's value.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Jun 14, 2012, 09:23 AM
Mga sirs paano po ba malalaman NAV for the day? kasi I'm checking sa website ni BDO pero parang walang present NAV for the day listed, usually NAV for the previous business day. Kailangan po ba ito itawag o itanong mismo sa branch? info po sana kung sakali kasi mag-redeem alam yung NAV for the day. Thanks!

ina.update pa ata ng BDO site nila.kaya ala kang navpu na makikita..The BDO Trustwebsite (http://trust.bdo.com.ph/trustwebsite) is currently being updated.

Sorry for the inconvenience.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jun 14, 2012, 09:42 AM
http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/DailyNetAssets.asp

^Where i check BDO uitf navpu....its been working naman....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Jun 17, 2012, 11:51 AM
http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/DailyNetAssets.asp

^Where i check BDO uitf navpu....its been working naman....

tanx po sir GoodSteward...ma.momonitor kona ulit UITF ko... :hihi: :applause:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: WealthyInvesting on Jul 01, 2012, 01:24 PM
Do UITFs impose a 20% Final Tax on Interest vs a Mutual Fund who is Tax Leveraged? TIA.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ryannimizm_24 on Jul 01, 2012, 02:45 PM
http://www.bloomberg.com/markets/funds/country/philippines/

dito ako ng che-check,pati ibang funds makikita din and stock meron din... :thankyou: :applause: :applause:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: johnplmc on Jul 20, 2012, 05:00 AM
Do UITFs impose a 20% Final Tax on Interest vs a Mutual Fund who is Tax Leveraged? TIA.

Same question din... Please response naman kung sino mabait dyan...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jul 20, 2012, 07:49 AM
It may or may not...but if ever it does..its already included in their calculation of their NAVPU. Units x NAVPU is the net of what you will get.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Jul 31, 2012, 05:07 PM
Hi! tanong ko lang pano ba magcompute kung magkano na value ng investment. we enrolled in BDO EIP Peso Fixed Income Fund last March 2012, I assumed na this month eh umabot na kami sa minimum investment na 10K? 2K per month ang auto debit sa account namin. o tama yung nasa isip ko na depende sa market kaya siguro up to this date hindi pa siya umaabot sa 10K? if ever umabot na sa 10K ang value ng investment, how long will I wait for BDO representative to call me to get my COP? weeks? days? TIA 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: axljackass on Aug 06, 2012, 08:24 AM
good day po.
mga sir newbie lang po here, ask ko lang po sana yung meaning ng "Holding Period"?
after po ba mag elapse na yung holding period pwede ko na sya ibenta without early redemption fee tama po ba?kailan ko po ba pwede na ibenta without any additional fees na babayaran pa.

thanks po.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: RoiN on Aug 06, 2012, 09:45 AM
@bravelicious: Hindi ka yata nila tatawagan. Ikaw mismo ang pupunta dun. I suggest mag enroll ka sa BDO online at http://www.bdo.com.ph/personal.asp para mas madali mo makita kung magkano na yung market value ng investment mo.

@axljackass: Tama ka diyan. Pwede mo na redeem yang units mo w/o fee after ng holding period. Pero siyempre hindi naman advisable na i-redeem mo kagad yan after ng holding period. Usually 30 days lang yata yun eh so malamang wala pang masyadong kinita yung pera mo at that time. Baka nga bumaba pa market value, hehehe.


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Aug 06, 2012, 09:51 AM
@bravelicious: Hindi ka yata nila tatawagan. Ikaw mismo ang pupunta dun. I suggest mag enroll ka sa BDO online at http://www.bdo.com.ph/personal.asp para mas madali mo makita kung magkano na yung market value ng investment mo.

^ganun ba yun, ako ppunta to inquire kung naabot ko na yung minimum investment for certain amount ng EIP ko? hindi ba sila ttawag to inform me at i-pick ang COP ko? oo naka bdo online banking ang account ko. pero hindi ko pa maenroll yung UITF ko kasi nga nagumpisa pa lang ako last march 2012, so wala pa kong COP. wala pa akong number ng UITF ko pra maenroll ko siya at mamonitor. tama ba? thanks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Aug 06, 2012, 10:39 AM
^ganun ba yun, ako ppunta to inquire kung naabot ko na yung minimum investment for certain amount ng EIP ko? hindi ba sila ttawag to inform me at i-pick ang COP ko? oo naka bdo online banking ang account ko. pero hindi ko pa maenroll yung UITF ko kasi nga nagumpisa pa lang ako last march 2012, so wala pa kong COP. wala pa akong number ng UITF ko pra maenroll ko siya at mamonitor. tama ba? thanks.

to answer your questions:
hindi ka nila tatawagan.  you will pick-up your COP.  count 7 working days from the date you reached your PhP10K then you can claim it.


for me, i have 3 EIP, i can already see my units and amount.  ask for the officer's help.  you can already enroll it in online banking.  it can be done on her/his presence or if you want or ask for the assigned CMN number sot that you could enroll it at home.  that's what i did.

hope this helps...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Aug 06, 2012, 10:47 AM
to answer your questions:
hindi ka nila tatawagan.  you will pick-up your COP.  count 7 working days from the date you reached your PhP10K then you can claim it.


for me, i have 3 EIP, i can already see my units and amount.  ask for the officer's help.  you can already enroll it in online banking.  it can be done on her/his presence or if you want or ask for the assigned CMN number sot that you could enroll it at home.  that's what i did.

hope this helps...


^thanks vgal0579 sa reply. I attended the seminar and yun ang nasabi nila na tatawagan. pero sympre depende sa market kung abot na ba sa minimum investment of UITF ko? its under EIP kasi. ganun pa rin ba computation nun even EIP? or by month ang pagcompute? kasi every month 2K ang pinapaauto debit ko sa account ko. pano ba pagcompute kung every month ang paginvest ko ng 2K? say EIP PFIF? started march 26? chaka di ba pag wala pa COP wala pa CMN number?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 06, 2012, 10:57 AM
Its really up to the people in the branch.

Yes, they should call you.
Yung 1st COP ko, tinawagan ako pero after that, wala na haha
Tinamad na ata.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Aug 06, 2012, 11:08 AM
^thanks vgal0579 sa reply. I attended the seminar and yun ang nasabi nila na tatawagan. pero sympre depende sa market kung abot na ba sa minimum investment of UITF ko? its under EIP kasi. ganun pa rin ba computation nun even EIP? or by month ang pagcompute? kasi every month 2K ang pinapaauto debit ko sa account ko. pano ba pagcompute kung every month ang paginvest ko ng 2K? say EIP PFIF? started march 26? chaka di ba pag wala pa COP wala pa CMN number?

nope, yung amount mo ang basis.  meaning if you are placing P2K a month, in 5 months you should have P10K irregardless how much is the NAVPU.  the "unit" itself lang ang variable.

for example, you are deducted P2K every 26th of the month; you need to know the NAVPU of 26th and then you divide the amount to NAVPU (2,000 divide by NAVPU).  that's the unit you bought for that day.  you will do this until the 5th month (total of PhP10K) to know your TOTAL NAVPU for that COP.  then on the 6th month (if you decide to continue), you will do the cycle again until the 10th month and so on...

there is already an assigned CMN number (temporary).  usually it starts with your branch code. for my 2 branches it's 126 and 766 followed by 9 number series (example 766000000001) depending on when you opened your EIP.  then the permanent CMN is located on your COP.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Aug 06, 2012, 11:52 AM
there is already an assigned CMN number (temporary).  usually it starts with your branch code. for my 2 branches it's 126 and 766 followed by 9 number series (example 766000000001) depending on when you opened your EIP.  then the permanent CMN is located on your COP.


wlang binigay na temporary CMN sa amin. sobrang busy ng branch namin. ni hindi nga ko pinapirma ng mga risk disclosure form..mga ganun ganun pati nga signature card prang wala rin.

tanong rin kung san ko malalaman yung mga NAVPUs ng previous months? thanks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Aug 06, 2012, 01:39 PM
wlang binigay na temporary CMN sa amin. sobrang busy ng branch namin. ni hindi nga ko pinapirma ng mga risk disclosure form..mga ganun ganun pati nga signature card prang wala rin.

tanong rin kung san ko malalaman yung mga NAVPUs ng previous months? thanks.


try this link, this the list of all market funds in the philippines, just choose which bank you're invested in to know the NAVPU of desired date.

http://www.bloomberg.com/markets/funds/country/philippines/ (http://www.bloomberg.com/markets/funds/country/philippines/)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Aug 06, 2012, 05:09 PM
^thanks peeps! nacompute ko na..10K na nga dpat tlaga pumunta kmi sa branch namin to inquire and get our COP. :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: reytave19 on Aug 06, 2012, 11:20 PM
Hi! tanong ko lang pano ba magcompute kung magkano na value ng investment. we enrolled in BDO EIP Peso Fixed Income Fund last March 2012, I assumed na this month eh umabot na kami sa minimum investment na 10K? 2K per month ang auto debit sa account namin. o tama yung nasa isip ko na depende sa market kaya siguro up to this date hindi pa siya umaabot sa 10K? if ever umabot na sa 10K ang value ng investment, how long will I wait for BDO representative to call me to get my COP? weeks? days? TIA 

yung COP naman hindi yan mawawala. yung saken nga di ko pa nakukuha. 2 months na since nagstart yung EIP ko. nasa overseas kasi ako kaya kukunin ko na lang paguwi ko. as for how to get the current value of your investment, just divide the current NAVPU with the NAVPU when you invested the amount. I created an excel file with formulas so i know the value of each of my investments and the running total of them all.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: cloudburst on Aug 14, 2012, 11:00 AM
BDO Balanced Fund 2Q Performance Report

http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/pdf/PBAL_Q.pdf
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Aug 15, 2012, 09:21 AM
For the BDO EIP, if you want to manually monitor it, create an excel file with these columns:

Date     Amount     NAVPU     Units(amount/NAVPU)     Current Market Value (Unitsxcurrent NAVPU)

Note: You would need to update the last column every time you make a new contribution. We need to remember that to get the COP, what matters is the amount on the last column, not your actual contributions. You may contribute only P8,000 but have a COP already if the market suddenly went up. The reverse may also be true, contribute more than P10,000 but not get a COP yet if the market is going down.

I do agree that the best way to monitor is through their internet banking. If you just started your BDO EIP, you can ask your branch for your Client Master Number (CMN). Then you can enroll it inside the internet banking. If you don't have time for this, simply wait for the availability of your COP, your CMN will be indicated there.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Usman on Aug 28, 2012, 02:38 PM
Hello. Thanks for a very enlightening thread.
I have a question. When does one's UITF share gain a profit?
I know that the NAVPU may rise and fall daily or even at the next hour. Suppose it increases, when do you get the yield?
Please enlighten me.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jaolave23 on Aug 28, 2012, 03:35 PM
I know that the NAVPU may rise and fall daily or even at the next hour. Suppose it increases, when do you get the yield?

NAVPU rising and falling is a reflection of the value of the whole fund. When NAVPU increases, the yield is the percentage of the increase from the time you bought your units. That's it. There's no profit / dividend per unit that you receive. This is not like stocks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Aug 28, 2012, 06:12 PM
Hello. Thanks for a very enlightening thread.
I know that the NAVPU may rise and fall daily or even at the next hour. Suppose it increases, when do you get the yield?
Similar to any paper assets that moves like MFs and stocks.
When it increasing and you do nothing, it's only paper gain (unrealize profit).
When you liquidate it, it's realize profit (or realize loss if binenta ng palugi).. less any applicable fees depending on your holding period

The only difference for UITF/MF, you must wait for x number of business day, usually has cutoff time at 12noon, to get the actual NAVPS/NAVPU. Check with your provider for further details, as necessary form like Redemption Form or visiting the bank  is needed.

Stocks you can liquidate using your broker platform.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Usman on Aug 28, 2012, 07:30 PM
@jaolave23 & allanmm13, thanks for the explanation.

Forgive my ignorance, so if I bought Balanced Fund shares at P 3.050.054000 in March 2012, then the NAVPU reached P 3.210.207800 in August 2012, and say, supposing I got ten shares, how much would the yield be, if I redeem it in August 2012?

Please enlighten me. I'd understand better if there's an actual computation.

Also, suppose if I bought shares still in March 12 then a week after the NAVPU soared high, is it possible to redeem it on the said day?

Salamat po!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Aug 28, 2012, 07:53 PM
Just multiple your total shares x current NAVPU to get current fund value (FV).

Let's use simple computation.

% return = (current FV - invested amount) / invested amount   x 100

I use to have a UITF, it lasted 7 working days to get my money, please check with your bank how much time it requires. It may be case to case basis.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: seven07 on Sep 04, 2012, 12:52 PM
hi, im new this forum.

just wanna ask how "compound interest" happens in BDO-EIP?

i am really eager to invest but still not aware on how this flows.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freeman12 on Sep 09, 2012, 01:02 AM
BDO for me =D
BPI's performance sucks pero ok ang BPI in other aspects.
1k lang minimum investment amount
Pwedeng mg redeem at invest online.. Walang hassle

Sir, what do you mean na pwedeng magredeem at invest online? Tru online banking po ba?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Sep 09, 2012, 04:15 AM
yessir! sana magka ganung facility rin ang bdo
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: theEdge on Sep 09, 2012, 08:51 AM
bpi's equity value fund and balance fund sucks,if you look at the statistics in 5 yrs time these funds have only an annualized return of 3.++% as againts a volatility of 20%,this only suggest u cant rely on buy and hold strategy with these funds.their abf bond index fund is more reliable and consistent in the long run with an annual compound return of 7.++% with a corresponding volatility of 4.++%.the fees are way lower too with abf.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freeman12 on Sep 09, 2012, 10:50 AM
yessir! sana magka ganung facility rin ang bdo

:cool2: sana nga po, para di nako lalabas ng kuweba ko.  :hihi:

i'm planning to have a long term investment in mf/uitf, kaso nung nagaral ako ng trends, it seems like 2008 was the best year to do so. sayang, lately lang kasi ako naging financially aware. :(

Guys what do you think about the december 2012 prophecy, would it somehow affect the market? :think:
How about noong year 2000, yung Y2K bug daw, how was the market back then? :book:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Sep 09, 2012, 02:05 PM
I think that was also the time of the Asian Financial Crisis so baka na overshadow yung y2k bug scare?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Skretch20 on Sep 29, 2012, 09:29 AM
Paano mag apply ng eip sa bdo..?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: silent_investor on Oct 01, 2012, 09:19 AM
Paano mag apply ng eip sa bdo..?

Punta ka lang sa kahit saang BDO branch, kailangan lang may BDO account ka na ha. Fill out yung EIP application form and UITF opening kit nila. I remember hiningan din ako ng IDs at picture.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jhillianne on Nov 01, 2012, 10:15 AM
^kahit may account ako ginawan pa din ako ng bagong account bakit ganoon?

question po.

nag open kasi ako BDO equity fund last month. pumunta ako bdo kanina para magdeposit sa savings account ko. sabi sa akin nung lagi ko kausap, mag fill up ako for EIP para mahulugan ko yung equity ko every month. naguguluhan lang ako. pwede po paki elaborate? hindi ko kasi naintindihan yung explanation niya :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Nov 01, 2012, 12:19 PM
@=jhillianne

I had BDO uitf previously, the EIP form is simply an instruction to autodebit for your cost averaging investment.
Prerequisite is you have a BDO bank account.

Check again with your kausap kung bakit you had to open another bdo account if the other is already same acct type.

Pero, as further clarification... meron ka ba existing BDO bank account?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jhillianne on Nov 01, 2012, 03:28 PM
hi allan, yes i do have an existing savings account and atm debit card separately. hindi ko nga rin alam bakit ganoon.

sabi ko, they can use either of the 2 accounts that i have. pero ginawan pa ako ng bago. kaya yun.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: nanashi on Nov 01, 2012, 05:07 PM
Maybe they are gunning a quota or performance indicator for their bank branch on the number new account open.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 02, 2012, 12:32 PM
nanashi is right, they must be after some quota
I use my (then) payroll account for my EIP
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: chiechay79 on Nov 18, 2012, 06:17 PM
I have one from BDO Pesos Money Market fund. Mejo mabagal ang paglago ng investment ko pero I can say na risk free naman kase. Hindi ko masabi kung mas ok ba kesa time deposit. Naalala ko kase dati (6years ago) yung 50k ko kumita lang ng 800 pesos in 6 months. Eh eto mejo parang ganun din.

Pero yun nga risk free naman kase pataas ng pataaas ang NAV niya so ok nalang din.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vicces on Nov 18, 2012, 06:27 PM
anybody knows what's the best performing UITF so far?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Nov 19, 2012, 11:38 AM
anybody knows what's the best performing UITF so far?

check niyo po dito sir...

http://www.pinoymoneytalk.com/uitf-funds-returns-3q-2012/ (http://www.pinoymoneytalk.com/uitf-funds-returns-3q-2012/)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: allanmm13 on Nov 19, 2012, 12:05 PM
I have one from BDO Pesos Money Market fund. Mejo mabagal ang paglago ng investment ko pero I can say na risk free naman kase. Hindi ko masabi kung mas ok ba kesa time deposit. Naalala ko kase dati (6years ago) yung 50k ko kumita lang ng 800 pesos in 6 months. Eh eto mejo parang ganun din.

Pero yun nga risk free naman kase pataas ng pataaas ang NAV niya so ok nalang din.
If you keep this Money market for short term use, ok lang..

Are you sure its really risk free?
Inflation is the biggest enemy of low yield earning investment instruments.. Lalo na if you keep it there for long term, the value or purchasing power will be eaten by inflation.

One more thing, no PDIC coverage ang Money Market, di tulad ng bank deposit up to Php500K.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vicces on Nov 19, 2012, 10:15 PM
check niyo po dito sir...

http://www.pinoymoneytalk.com/uitf-funds-returns-3q-2012/ (http://www.pinoymoneytalk.com/uitf-funds-returns-3q-2012/)
thanks

lakas pala kumamada ang UBP (+34%) at Allied Bank (27%) sa Equity Fund... pwede...

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Nov 20, 2012, 11:02 AM
para yun sa mga nakapag.invest na pero kung ngayon pa po kayo mag.iinvest eh maiiba na xa....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: fortinet on Nov 27, 2012, 10:17 AM
kung meron ba ako expressonline login sa bpi pede ba ako mgenroll ng uitf dun?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Nov 27, 2012, 10:39 AM
mas mainam po sir fortinet eh magpunta na po kayo kaagad sa pinakamalapit na bpi sa inyong lugar at doon mag.inquire, my susulatan muna kayong mga dukomento bago kayo makapagsimula sa UITF...wag niyo na pong patagalin aksyonan niyo na agad..happy investing..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: fortinet on Nov 27, 2012, 11:27 AM
sir jenxent salamat sa swift response..another question ko pla ang initial investment sa uitf is 10k po ba..tapos monthly or quarterly kailangan ko din ba mglagay ng funds sa uitf or depende kng mgkano lang ang kaya? para atleast may idea ako..salamat po.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: amercado29 on Nov 28, 2012, 03:54 PM
Hello PMT pips, meron po akong Time Deposit Account with BPI, would it be possible na ma-itransfer sya sa UITF product ng BPI din mismo. Gusto ko tlagang subukan ang UITF kasi alam ko na hindi kikita ng malaki ang pera ko sa time deposit... Actually mother ko ang naglagay ng pera sa time deposit, nung pahanon na yun hindi ko pa rin kasi alam ang UITF...

Maraming salamat po...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: angeljme on Nov 28, 2012, 03:57 PM
@amercado29

you need to withdraw your time deposit kung iyon din ang pera na ilalagay mo sa UITF mo with BPI

but you still need to have a savings account with them

just go to BPI and ask them about their UITF products.  you'll need to sign up some forms.  after that, online na lahat. even the buying of shares, all are online
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bj71 on Nov 28, 2012, 05:23 PM
Hello PMT pips, meron po akong Time Deposit Account with BPI, would it be possible na ma-itransfer sya sa UITF product ng BPI din mismo. Gusto ko tlagang subukan ang UITF kasi alam ko na hindi kikita ng malaki ang pera ko sa time deposit... Actually mother ko ang naglagay ng pera sa time deposit, nung pahanon na yun hindi ko pa rin kasi alam ang UITF...

Maraming salamat po...
terminate mo yun time deposit mo or antayin mo yun maturity at mag open ka ng settlement account/savings account para makabili ka ng UITF product ng BpI.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: amercado29 on Nov 28, 2012, 05:37 PM
Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bj71 on Nov 28, 2012, 07:40 PM
Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?

yun existing bpi account mo pwede mo maging settlement account. me mutual funds ako  sa bpi ALFM sa BDO naman UITF. basa basa ka lang sa mga past post marami ka malalaman.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: amercado29 on Nov 28, 2012, 08:33 PM
Okei po, maraming salamat...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenxent on Nov 29, 2012, 11:33 AM
Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?
wag palipat-lipat ng investment kasi hindi mo mamaximize yung earning talo ka sa fees pag.ganyan...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Nov 29, 2012, 12:17 PM
^ok lang ata, from savings to UITF naman yun lipat ni amercado...she is undecided lang which banks' uitf...

Try to research but napansin ko mahina uitf ng bpi...UBP mas ok...but make due diligence, kasi past performance is not a guarantee of future performance...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: r00tcipher on Nov 29, 2012, 02:13 PM
Quote
Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?

    ok din ang performance ng securitybank
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vgal0579 on Jan 02, 2013, 10:07 AM
ang uitf ko bdo...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rubymichelle.sumaculub on Jan 31, 2013, 08:26 AM
tanong ko lang po kung ang pinasok ko na  investment type i called PNB LIfe is also called a UITF type of investment.. Malalaman ko po ba kung paano ang pag compute ng kinata sa one year?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Feb 01, 2013, 01:54 PM
May UITF si PNB the bank pero kung sa PNBLife ka kumuha then
malamang VUL ang nakuha mo, sort of UITF/MF + Insurance.

May mga quarterly statements naman ang VUL.
And since may kasamang insurance yan, may mga corresponding
charges rin yan na makikita mo sa statement.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Sheikmaktoum on Feb 01, 2013, 02:54 PM
Mga Sir at Maam,

Tanong ko lang what will happen to your UITF incase na may masamang mangyari sayo say namatay (knock on wood).. can our family redeem it?

TIA!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kulatir on Feb 05, 2013, 06:04 AM
Mga Sir at Maam,

Tanong ko lang what will happen to your UITF incase na may masamang mangyari sayo say namatay (knock on wood).. can our family redeem it?

TIA!

sa  pagkakaalam ko  mareredeem ata kase nung  nag open  ako ng uitf meron portion sa application na ilalagay mo ung name ng spouse mo,pero im not sure kung subjected to sa estate tax..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freelancer_babe on Feb 05, 2013, 02:36 PM
Mga Sir at Maam,

Tanong ko lang what will happen to your UITF incase na may masamang mangyari sayo say namatay (knock on wood).. can our family redeem it?

TIA!

Read the discussion here: http://www.pinoymoneytalk.com/forum/index.php?board=93.0
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gabo on Feb 07, 2013, 08:57 AM
As of today, meron pa bang bank aside from BPI na online ang subscription at redemption ng units? Napaka-inconvenient sa akin ang pumunta sa bangko at i-claim/surrender ang certificate of participation.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: angeljme on Feb 07, 2013, 09:50 AM
^---none, AFAIK
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Feb 15, 2013, 07:13 PM
may website ba which contains the consolidated data of all UITFs in the philippines? parang pifa.com.ph for Mutual funds. care to share? thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: randybundz on Feb 15, 2013, 09:42 PM
check niyo po dito sir...

http://www.pinoymoneytalk.com/uitf-funds-returns-3q-2012/ (http://www.pinoymoneytalk.com/uitf-funds-returns-3q-2012/)

Hello,

i just opened 3 UITFs with BPI: (10k initial each) just started this month, Feb 2013.
BPI Premium Bond
BPI Equity Value Fund
Odyssey Philippine High Conviction Equity Fund

*I chose BPI because aside from the fact that my payroll is with them i've been a bpi fan ever since kahit na alam ko mas mataas ang mga trust fees nila for UITFs. i was in the impression na baka kaya malaki fees nila is because their fund managers perform well, until i read your post and saw the banks' performance compared to other firms.
 
*based po sa link above sobrang panget po pala ang fund performance ng BPI when it comes to UITFs

Questions:
1. does this mean that their fund managers are not that competitive compare to others?
2. advisable po ba na meron multiple UITF accounts for diversification? or mas maganda po ba na isa lang para mas malaki ang monthly placement?
3. okay lang po ba na i pull out ko nln ung equity ko from BPI to BDO since mas maganda talaga ang performance nila last quarter of last year?

Thanks po. 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gabo on Feb 16, 2013, 12:54 AM
In my opinion, BPI's fund managers are conservative. They seem to be consistent performers in Bond funds. So far, 1-year return for equity funds are disappointing: BPI Equity Fund = 18% vs. 32.95% PSEi benchmark; Odyssey High Conviction Equity = 5.71% vs. 9.69% SB Secure Peso Fund (money market). WTF.

I think there's nothing wrong with pulling out since your investment account number remains with you. You can always enroll online in their other funds if you choose to.

As for me, I think I'll move my Odyssey High Conviction Equity fund to the more conservative BPI Premium Bond fund. It gained a measly 7.9% over 9 months vs. my blue chip-based stock market portfolio @ ~40% in 11 months. Since redemption reportedly takes only a day, it will serve as my emergency fund. The majority of my funds have already been invested directly in the stock market. A small portion has also gone into a VUL. This is my diversification strategy for now - majority in equities not handled by a fund manager (COL Financial) with some liquidity (BPI bond fund) and protection (insurance). This will change when the market goes bearish or when I reach the retirement age range.

I don't do cost averaging with MFs and UITFs because they generally have entry, exit and annual fees. I look at 1-year charts of the fund (http://www.bloomberg.com/markets/funds/country/philippines/), determine the lows and highs, enter at the lower price range, put a one-time placement and sit it out.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: randybundz on Feb 16, 2013, 01:45 AM
thanks for that very detailed reply sir Gabo. i will just maintain my premium bond with bpi then and redeem my odyssey HC and equity accounts since i just started them. i am really not an expert when it comes to stock market and online trading yet but have plans of trying it out soon.

  i also love the way u strategise ur portfolio.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gabo on Feb 16, 2013, 09:47 AM
thanks for that very detailed reply sir Gabo. i will just maintain my premium bond with bpi then and redeem my odyssey HC and equity accounts since i just started them. i am really not an expert when it comes to stock market and online trading yet but have plans of trying it out soon.

  i also love the way u strategise ur portfolio.

Sure! Glad to help.

I'm not a stock trader myself. I invest, albeit without a fund manager's intervention. At least with my broker, their research helps a lot for someone who's just starting out, and the information is free for anyone with access to their platform.

It's really not that hard to invest directly in stocks, i.e. via an online stock broker. It's also an excellent way to learn about our PSEi while already being invested. Let's say that you patronize BPI and you buy shares of the company in the course of 2 years. It's more difficult to think of BPI going bankrupt in 2 years time considering that it has remained in the business for decades. The same goes true for Jollibee, Shoemart, Globe and PLDT. These are blue chip stocks, and they don't just go bust overnight.

I'm seeing a majority of BPI's Equity Value Fund allocation in blue chip stocks. When you know that you can get the same for a minimum fee and without an annual fee, you'll think twice about paying a fund manager that's supposed to know more than you. Their historical performance says it all. They rarely beat the benchmark.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: orson on Feb 16, 2013, 06:10 PM
 
As of today, meron pa bang bank aside from BPI na online ang subscription at redemption ng units? Napaka-inconvenient sa akin ang pumunta sa bangko at i-claim/surrender ang certificate of participation.

i think the fami series can be traded online through first metro
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Samuraix on Feb 18, 2013, 07:09 PM
Recently pababa yung NAVPU ng Bdo's medium term dollar bond fund. Any ideas guys bat ganito?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gabo on Feb 19, 2013, 05:23 PM

i think the fami series can be traded online through first metro
Hindi naman daw sir: http://fami.com.ph/?page_id=2978
Quote
A shareholder may redeem his shares any banking day, by contacting FAMI by phone and filling up a redemption request form (indicating the number of shares he wants to redeem). The redemption request form should be faxed or forwarded to FAMI. Additional items have to be submitted by the shareholder to FAMI before the proceeds can be released...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tyronesolee on Feb 20, 2013, 01:17 PM
For BPI, take a look at Philippine Stock Index Fund. It's a mutual fund invested on equities which DOES NOT HAVE sales load and performs very well since it's an index fund mimicking PSE. All mutual fund products of BPI DO NOT HAVE sales load unlike other mutual fund companies.

For UITFs, what I liked the best is all UITF products of BPI DO NOT HAVE HOLDING PERIODS. That means, you are not subject to early redemption fees unlike other UITFs.

I am saying this for the benefit of the readers. I am not in anyway compensated by BPI by saying this.

Take a look at one of my articles below as I take a closer look on UITFs and Mutual Funds

http://www.millionaireacts.com/2900/uitfs-and-mutual-funds-a-closer-look.html (http://www.millionaireacts.com/2900/uitfs-and-mutual-funds-a-closer-look.html)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: orson on Feb 20, 2013, 03:13 PM
Hindi naman daw sir: http://fami.com.ph/?page_id=2978

that's weird they have a website for buying and trading fami https://www.firstmetrosec.com.ph/cms/mutual_funds.asp
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bilagan2004 on Feb 20, 2013, 04:58 PM
For UITFs, what I liked the best is all UITF products of BPI DO NOT HAVE HOLDING PERIODS. That means, you are not subject to early redemption fees unlike other UITFs.


Meron na po clang holding periods, I tried before Money Market Funds and you need to keep it for 7 days or else your money is subject to early redemption fees..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Feb 20, 2013, 06:36 PM
^ sir, wala na po silang holding period (and early redemption fees) for all their investment funds. late last year lang nila ni-lift. confirmed it here

https://www.bpiassetmanagement.com/pages/bpi-short-term-fund/
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Feb 21, 2013, 09:40 AM
@bilagan, baka you're referring to BPI's MFs. All BPI UITFs do not have any holding period
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gabo on Feb 21, 2013, 05:08 PM
Uu, ganda sana ng walang holding period mga sir. Kaya lang kulelat ang performance.

------

@orson,
Wala namang nakalagay dun tungkol sa redemption sir na automatically ma-credit sa Metrobank settlement account mo.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tiongky77 on Mar 12, 2013, 04:37 AM
Hi there, I'm a newbie who invested with BDO UITF since November 2012, more specifically BDO equity fund, which so far has done very well. I just have a query:

I noticed, and also read from a few forums, that equity is dependent on the PSEI performance. Please correct me if i'm wrong, but this would mean that if PSEi did well for that day then our equity would show an increase as well, is this accurate? The reason i asked is because there were 2 occassions in the past 2 weeks where this didn't happen. Just last week I saw the PSEi did well but my BDO equity went lower and yesterday PSEi showed -0.29% change but my equity went up. I would just like to know why this is the case of if there are other factors to consider in investing with UITF/Equity funds.

Thanks in advance
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Mar 12, 2013, 01:24 PM
Not exactly but most of the time, that statement is true.
If the market in general is going up then all mutual funds and
UITFs would general also be going up and vice versa.

What happened with BDO is perfectly normal.
It just means that the stocks it holds didn't perform like the PSEi.

It probably has assets in some mining company which isn't in
the PSEi and the stock didn't perform well. Those sort of scenarios.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Mar 12, 2013, 01:26 PM
@gabo hahahaha my sentiments exactly.
baka kaya tinanggal ang holding period.
To attract more clients kahit may potential mas magiging worst ang
performance nila, total their performance isn't that
good in the first place :p
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Mar 12, 2013, 08:31 PM
Why is there no front / back load you have to pay sa mga UITF compared ot MF's? 

Sa MF ba, if I invest 100K, and I go for the front sales load (2%), bawas kagad pera ko, meaning 98K nalang kagad pera ko initially?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: cathycathy on Mar 12, 2013, 09:03 PM
Hi,

 Dependent po sa PSE ang equity fund ksi ang fund composition nito eh 94% stocks while remaining is sa deposits na. 30% sa holdings 18% sa financials 18% industrial and so on :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Mar 12, 2013, 09:39 PM

             ^^true blood...the answer is yes po to your question. :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Mar 13, 2013, 01:51 PM
to add to wintan's reply. yes pero you forgot the VAT :p

@trueblood, kasi ang main distribution channel ng mutual fund
ay through agents at may commission.

Sa UITF, yung bank personnel lang ang nagaasikaso.

That's why may sales load sa mutual funds.
Pero its all fair naman kasi kadalasan yung mga sa banks, walang
alam sa UITF while yung mga agents sa MF, knowledgeable sila
sa products nila. :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Mar 13, 2013, 09:19 PM
tnx sa reply.  If I do alot of ins and outs (investing and redeeming) it will hurt me kung sa MF? kasi of the loads? tama ba.

agents are not the fund managers, right?

Also is it wise to put in my money on a lump sum, specially now? 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tiongky77 on Mar 14, 2013, 12:49 AM
Thanks, mxherr5  :D

Any forecast for the coming months if our UITFs or our PSEi would continue to improve? Any guesses if our SABA issue would cause potential problems as well as the coming elections?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Mar 14, 2013, 06:04 AM
@ true, yes pero most UITF while having no entry fee, eh may holding period
sila pero its usually short lang naman, hindi tulad ng holding period ng mutual funds.

Ang BPI UITFs lang ang walang holding period.

- That's correct, agents are the ones distributing the funds, meaning sila ang nagbebenta
fund managers ang humahawak sa pera ng funds at sila nag iinvest.

- I tried to take the market conditions while investing.. tried it for 6 months.. It was too
troublesome. I'll just cost average myself to wealth. less stress :D


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Mar 14, 2013, 09:27 AM

         ^^ true blood , pansin mo taas ng market ngayon,i guess it is not wise to put lumpsum,if i were you i will cost average muna at pag bumaba ang market ng around 10% ,tsaka ka mag lumpsum.Unless,you are going to invest in bond funds where lump sum of 100k a month won't hurt kasi pataas naman ang trend nya though slow lang.

        This is how i do it:  kunwari lang to ha

      DATE          NAV              PLACEMENT
      JAN              3.3                 1OK
      FEB             3.5                  10K
      MARCH        4.1                  10K
      APRIL           3.8                  15K to 20K
      MAY             3.2                   50K
      JUNE            2.8                  50K to 200K
         
     P.S.   mag lump sum ka pag bumaba ang market ng 20% to 30%. dagdag ng dagdag ang placement habang pababa ng pababa ang market.

        I monitor my funds every day,It only takes 2 minutes of my time to see the NAVP of my fund.:)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Mar 14, 2013, 05:57 PM
^^my problem is I have to leave the country, so I have to make a decision if ill opt to put lump sum now, as I dont want to just park my money in SA.  I will come back after a few months though
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Mar 14, 2013, 06:48 PM
@true_blood
ikaw lang po ang makakadecide if you want lump sum or cost average. either way, possible naman sya. if you decide for CA, deposit mo lang sa SA then schedule mo ang cost average payments sa online facility nila. or if you want, access mo lang ang online account mo kahit nasa abroad ka na then do the manual topup anytime you want.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Mar 14, 2013, 09:29 PM
tnx.  UITF / MF are not compounding right?  Whatever the final NAV is to be computed just from the principal (all the principals if doing cost ave.), all the ups and downs in between doesn't matter, just the last NAV during redemption. 

So my question is, once I see reasonable interest earnings, I'll redeem, them at the same day I got the money, I'll put it in again, orig. principal + interest, in that way I can do compounding, my interest will further earn interest.  Is this a good strategy?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Mar 14, 2013, 09:59 PM

                  ^ true_blood,it doesn't work like that,that practice is only good for TDs which has fixed interest rates.

                  month       NAV
                   Jan           1.2
                   Feb           1.4
                  march         1.65
                  If you sell your units bought at 1.2 last Jan and place it (principal and interest) in March at 1.65,edi mas napamahal ka pa.you won't be maximizing your earnings if you're going to go in and out of your fund.just leave your money there for at least 5 to 7 yrs or take out the money if you need it,if not,just stay.in short, mag co-compound yan if your principal and interest stay in your fund pag paakyat ang market.

                 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Mar 14, 2013, 10:26 PM
@trueblood
first paragraph is correct.
second paragraph, no. you cannot have 2 navpu values per day, only 1. so you cannot capitalize on selling and buying on the same day. if may fees, lugi ka pa. i think interest is not the right term, maybe capital gain, kasi di naman fixed ang kikitain or ikalulugi mo so di mo ma-aapply ang compounding interest. keep in mind lang na # share = money/navpu. upon selling money = # share x navpu (kikita ka if tumaas ang navpu,lugi ka otherwise). actually, pwede mo i-apply yung strat mo na in/out if SURE ka na the next day eh bababa ang navpu. unfortunately, unpredictable talaga ang galaw ng market.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: true_blood on Mar 14, 2013, 10:53 PM
tnx guys.  I see what you mean.  Anyway I just tried different scenarios using BDO yield calculator on previous years for equity, and see what if I just waited w/o redeeming versus redeeming in the middle and re-investing.  And I saw there will be scenarios there will be more earnings, and others less earnings.  I guess it all depends on the Nav.  and timing of redeeming and re-investing, but since nobody can predict correct timing, best just put them in there for the long haul.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: electrickoelectric on May 17, 2013, 03:26 PM
mga boss hingi lng ng advice. If example may 500k ako ok ba ipasok ko all in sa bdo equity fund long term o kapag tumubo in a  month witdraw ko na tpos pasok ulit? :help: ska wala na ba mga hidden chagres un pag ipasok ko 500k  kung magkano ung navpu ganun mging no of units ko?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: spartacus on May 17, 2013, 06:35 PM
hello, 1st time investor here, nagback read na ako sa thread na to kaya kahit konti may natutunan na  :D ask ko lang ano magandang fund? plan ko mag open sa BDO next week. below are my options. i will not be needing the money for at least 3 years.

1. 150K lump sum to equity - pansin ko kasi bumaba NAVPU yesterday
2. Cost averaging - Balanced fund, 20k initial, 10k/mo additional
3. Cost averaging - equity fund, 20k initial, 10k/mo additional
4. EIP fixed income - 10k/mo
5. EIP equity - 10k/mo
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kiriyama on May 17, 2013, 10:12 PM
mga boss hingi lng ng advice. If example may 500k ako ok ba ipasok ko all in sa bdo equity fund long term o kapag tumubo in a  month witdraw ko na tpos pasok ulit? :help: ska wala na ba mga hidden chagres un pag ipasok ko 500k  kung magkano ung navpu ganun mging no of units ko?

tingin ko ok lng na lagay mu ng lump sum kagad...lalo nat bull market tyo ngaun...eniwei opinion ko lng naman un..or maybe i'm too aggresively stupid....with regards naman dun sa withdraw and deposit again...I dont think it's a good idea na pag tumubo is withdraw then ipapasok mu ul8? anung purpose nun?? Sorry i don't get it...sa pag kakaintindi ko kasi...

Ex. bumil ka ng 1 peso per share...then naging 5 pesos na ung price per share...then withdraw mu ul8 lahat....nag ka 5 pseos cash ka na and no shares...then you will buy back..pero dahil ang price nya is 5 pesos pa rin...walang lng din ngayari...u still have 1 share...if tummass naman ang price...nasayang lng pera mu kasi kulang na pambili ng isang share...swerte mu lng kapag bumaba...which is most likely improbable ngaung bull market...siguro hihintay ka pa ng correction para makarami ka ul8 ng shares....I havn't investsed yet sa BDO pero tingin ko ganun na nga..wala ng hidden charges..kasi sabi nila NET na daw un...



hello, 1st time investor here, nagback read na ako sa thread na to kaya kahit konti may natutunan na  :D ask ko lang ano magandang fund? plan ko mag open sa BDO next week. below are my options. i will not be needing the money for at least 3 years.

1. 150K lump sum to equity - pansin ko kasi bumaba NAVPU yesterday
2. Cost averaging - Balanced fund, 20k initial, 10k/mo additional
3. Cost averaging - equity fund, 20k initial, 10k/mo additional
4. EIP fixed income - 10k/mo
5. EIP equity - 10k/mo


I suggest "1" kasi you dont need the money soon diba? so make it all out...hehehe un eh kung ako ung may pera na 500k...then after that cost averaging na...kapg may extra money lagay lng nglagy ul8....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: reytave19 on May 18, 2013, 12:18 AM
I currently have 450k as principal amount on my UITFs. i have 2 EIPs. 40k/month for equity and 10k/month for fixed income fund. At the same time i invest around 5-10k per month on stokcs thru my citisec account. so far halos di nagkakalayo ang performance ng stock picks ko sa equity UITF ko. it got me thinking, if the stocks of the equity fund pays dividends, do they get included in the value of the NAVPU? moreover, are they reinvested? if not kasi, e di mas ok maginvest on my own kasi i get the dividends. if it gets included naman, could it be the reason that equity UITFs  beat the PSEi?

For example, according sa disclosure ng bdo, its equity fund has grown 330.53% compared to the 279.12% growth of the PSEi. That's a + 51.41% in the span of 8 years since inception of the fund is march 2005. that translates to an average of 6.4% per year. do you think it's from the dividends paid out by the stocks on the fund's portfolio? or is it really the fund beating the market? if it's the former then it means the fund is basically following the index. if it's the latter, then it means the dividends do not become part of the NAVPU. or could it be a mixture of the dividends and the fund beating the index? can someone please enlighten me?  :rakenrol:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: james.philipp.5 on May 18, 2013, 12:40 PM
 ^ my assumption is that the fund managers of the equity fund is doing their job well  :applause:..meaning, they invested the fund in multiple companies that beats the companies in the PSEi....
with regards to dividends, i think they include the dividends to the fund's growth but that does not necessarily mean that if a  fund is focused on investing in companies that give high dividends , it will have higher return compared to other funds...
 so to answer your question if higher dividends caused the equity uitfs beat the psei, possible.... But to know better bakit mas maganda takbo ng equity fund mo, check the sector holdings (holding, financial, industrial,service etc) or the specific companies where it is heavily invested... then you'll have a better idea why it is doing better than the companies included in the PSEi...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: reytave19 on May 18, 2013, 12:55 PM
@james.philipp.5

thank you for the response sir. so ibig sabihin nagiging part nga ng NAVPU yung dividend? is it a definite yes?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 18, 2013, 01:14 PM
That's a definitive yes because the dividend is part of the income from the fund's
assets which belongs to the fund.

If you're curious about what really is the total PSEi returns then you can
go check PSIF's fact sheet. It includes the returns of PSEi+dividends

ex. during the past 5 years from Mar 2013
The PSEi return around 129% but if you include
the dividends it goes up to 172%
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: spartacus on May 18, 2013, 03:10 PM
I suggest "1" kasi you dont need the money soon diba? so make it all out...hehehe un eh kung ako ung may pera na 500k...then after that cost averaging na...kapg may extra money lagay lng nglagy ul8....

parang gusto ko na nga mag all in na, pero pansin ko pababa pa rin yung bdo equity tama bang mag monitor muna? baka kasi tuloy tuloy na pagbaba  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: investormills on May 18, 2013, 10:50 PM
That's a definitive yes because the dividend is part of the income from the fund's
assets which belongs to the fund.

If you're curious about what really is the total PSEi returns then you can
go check PSIF's fact sheet. It includes the returns of PSEi+dividends

ex. during the past 5 years from Mar 2013
The PSEi return around 129% but if you include
the dividends it goes up to 172%

so anong kita ng banko dito sa UITF o MF? di kaya sa kanila ang dividends? i doubt kung yung kita lang nila ay yung management fee an 1-2%.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kiriyama on May 18, 2013, 10:55 PM
parang gusto ko na nga mag all in na, pero pansin ko pababa pa rin yung bdo equity tama bang mag monitor muna? baka kasi tuloy tuloy na pagbaba  :D


Yup observe muna...pero wag maxado matagal...baka kasi mag end up waiting forever kna...or sa kakakhintay mu...kung kelan ka pumasok tsaka dun bumagsak...the sooner the better...everyday is important...Normal na bumagsak lng ung stocks and mga MF last 2 days...dahil sa profit taking...masyado kasi mabilis ang pag angat last week up to Wed. kaya thurs. and fri..bagsak tlga...expected na un...Observe k next week ng mangyayari and decide kna... balitaan mu kami ang goodluck sateng lahat ^^,
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 19, 2013, 07:00 AM
so anong kita ng banko dito sa UITF o MF? di kaya sa kanila ang dividends? i doubt kung yung kita lang nila ay yung management fee an 1-2%.

Yup, ganun na nga.. yung 1-2% fee ang kita ng banko or investment company at hindi naman to
local phenomenon lang, ganito talaga globally.

If they do keep the dividends then no fund manager would invest in non dividend stocks
baka magiinvest lang sila sa biggest dividend giving stock all the time lol

The only fund I know that do not include the dividends in the NAV is the PSIF.
It states in its prospectus that it keeps the dividends in a special "fund" and it
uses that to pay for its management fees.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: spartacus on May 19, 2013, 03:30 PM
what can you say about BDO fixed income fund? mas ok bang ilipat ko na lang ang naka TD ko dito while cost averaging on equity fund? :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 19, 2013, 04:54 PM
bond funds are really doing great this year!
bdo's fixed income more so than bpi's similar bond funds
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kyanph on May 20, 2013, 11:11 AM
Saw that BPI has a new UITF. BPI Philippine Equity Index Fund https://www.bpiassetmanagement.com/pages/bpi-philippine-equity-index-fund (https://www.bpiassetmanagement.com/pages/bpi-philippine-equity-index-fund)

Also saw it on Inquirer. http://business.inquirer.net/122705/bpi-to-launch-trust-fund-tracking-local-stock-index (http://business.inquirer.net/122705/bpi-to-launch-trust-fund-tracking-local-stock-index)

   
Quote
Asked whether the new product would eat into the market targeted by the PSEi-based mutual fund, Javier said BPI’s plan was to offer it to different markets.

“The initial plan was to offer the mutual funds to the retail market and the Philippine equity index fund to institutional investors but right now, we’re still in the process of applying shares (for the mutual fund), so we are going to have to offer it (UITF) to individuals for now. But later on we will split the market,” Javier said.

What does this mean? Split the market?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on May 20, 2013, 12:34 PM
I have read many information though and even in TV that in Philippines you'd better off with an actively-managed fund rather than an index fund since many fund managers in the country can easily beat the index. Besides, according to them an index fund is suitable only to countries with a lot of companies listed in the stock exchange like in the US. Is there a truth on that still today?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: reytave19 on May 20, 2013, 03:41 PM
ang weird naman ng fund na yan. why would you pay the fund managers to just follow the index?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kyanph on May 20, 2013, 08:49 PM
Actually naguguluhan din ako bakit ganung kataas ang fee (1.5%) since susundan lang nila ang index.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: investormills on May 20, 2013, 10:44 PM
I believe BPI's ALFM PSIF is currently the top performing equity mutual fund, its an Index tracker same as what they are offering right now, BPI PEIF.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 21, 2013, 07:13 AM
@yagami, that's true before.. our mutual funds and UITFs have always
managed to beat the index most of the time.

And although what investormills says is true maybe this is just
one of those very few years that the index is doing better
than mfs/uitfs
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on May 21, 2013, 10:27 PM
@yagami, that's true before.. our mutual funds and UITFs have always
managed to beat the index most of the time.

And although what investormills says is true maybe this is just
one of those very few years that the index is doing better
than mfs/uitfs

If you compare BPI's UITF/MF historical data within 5 years mas bigger ang returns ng Index.

https://www.bpiassetmanagement.com/upload/files/investment-research/investment-funds-monitor/Investment%20Funds%20Monitor%20-%2005_21_13.pdf (https://www.bpiassetmanagement.com/upload/files/investment-research/investment-funds-monitor/Investment%20Funds%20Monitor%20-%2005_21_13.pdf)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: finplanner36 on May 27, 2013, 12:11 PM
Hi,

Is there any link that I can access to get information on Philippines' UITF's performance from 2008-2012?

I specifically want to know the performance of BPI's Premium Bond Fund and Metrobank's Max-5 Bond Fund (Metrobank Peakearner before) from 2008-2012... I want to know if these bonds funds had negative or very low yields during the financial crisis.

Thanks. 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on May 27, 2013, 06:58 PM
If you compare BPI's UITF/MF historical data within 5 years mas bigger ang returns ng Index.

https://www.bpiassetmanagement.com/upload/files/investment-research/investment-funds-monitor/Investment%20Funds%20Monitor%20-%2005_21_13.pdf (https://www.bpiassetmanagement.com/upload/files/investment-research/investment-funds-monitor/Investment%20Funds%20Monitor%20-%2005_21_13.pdf)

Is the main reason why BPI Equity Fund is performing badly than other equity funds in the market is because they do not have minimum holding period? So parang nawawalan ng diskarte yung fund manager as redemption occurs more often
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on May 27, 2013, 07:13 PM
nope, the no holding period thing is a recent development
the bad performance when it comes to equities ay matagal na lol
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: personalfinanceapprentice on May 31, 2013, 09:42 AM
Hi,

Is there any link that I can access to get information on Philippines' UITF's performance from 2008-2012?

I specifically want to know the performance of BPI's Premium Bond Fund and Metrobank's Max-5 Bond Fund (Metrobank Peakearner before) from 2008-2012... I want to know if these bonds funds had negative or very low yields during the financial crisis.

Thanks. 

You can check each bank's website. Or, more convenient, go to bloomberg to compare all the philippine UITF bond funds. (In case you don't know how yet, I've got an old blog post on how to do so:http://thepersonalfinanceapprentice.blogspot.com/2013/02/find-and-compare-best-uitfs-in.html)

Mejo mahaba lang uyng list, at kailangan mo piliin yung mga bond funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wintan2006 on Jun 04, 2013, 02:37 PM

                 try mo lang to list ng UITF from Bloomberg

                 http://www.bloomberg.com/markets/funds/country/philippines/

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: KingArthurIII on Jun 11, 2013, 05:31 PM
Hi po! Tanong ko lang po paano po ba mag "invest" sa isang UITF? Para lang po ba yang mag oopen ng savings account punta lang agad sa bangko tapos magpakita ng ID and then fill up ng application tapos bigay na agad ng initial deposit? Also magkano po ba yung pinakamaliit na pwedeng e-invest sa isang UITF sa isang bangko tulad ng BDO or Unionbank (ito kase yung mga banks na may konti akong pera) or any other banks na maliit lang yung "initial deposit or investment" like 5 to 10 k lang.

Pasensya na po if I'm asking these questions medyo overwhelming na po kase na basahin pa lahat ng mga posts sa iba't ibang threads about UITF and mutual funds kaya itatanong ko na lang dito. I hope someone answers my questions? Thanks po in advance.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 11, 2013, 06:22 PM
If you compare BPI's UITF/MF historical data within 5 years mas bigger ang returns ng Index.

https://www.bpiassetmanagement.com/upload/files/investment-research/investment-funds-monitor/Investment%20Funds%20Monitor%20-%2005_21_13.pdf (https://www.bpiassetmanagement.com/upload/files/investment-research/investment-funds-monitor/Investment%20Funds%20Monitor%20-%2005_21_13.pdf)

Whoa, I completely missed your post dude. Sorry.
Yes, that's true.
BPI's UITF Equity Funds all suck. They trail the index most of
the time.

BPI's MF people actually do a better job.
I had planned on investing in the ALFM Growth Fund but
ever since they raised the fee to 2%, I said I'd rather forget about it.

I only have bond holdings with BPI.

@ King Arthur,
Yep, halos the same process but you also have to fill up
a questionaire to find out what kind of fund would be suited for you.
Also, most of them requires you to open a savings account to serve
as the settlement account.

The investment amount varies, at a minimum 10k ang initial investment.
Some like Unionbank have a very high initial investment requirement of 100k.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on Jun 11, 2013, 06:44 PM
Yes mxherr5 BPI Equity Funds sucks :) ... my first UITF investment I placed it there. I'm moving it to BDO Equity Fund instead.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: KingArthurIII on Jun 11, 2013, 06:54 PM
Thanks mxherr 5 sa pagsagot ng mga tanong ko. Yung UITF ba sa BDO at Unionbank kahit saang branch pwede? Taga Zamboanga City kase ako ehh

Tinignan ko din pala yung website ng BDO tapos may nakalagay dun BDO fixed income fund and BDO Peso Balanced Fund, 10K lang yung umpisang investment, ano kaya mas okay dito? Pwede ba mag invest sa ganito dito sa mga branches ng BDO sa Zamboanga City? Kung pupunta ba ako bukas sa isang branch ng BDO dito sa amin makakapag invest ba kaagad ako gamit lang ang 10K? Thanks again.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 11, 2013, 07:20 PM
Uy kabayan :D yep, debe maskin donde branch pwede.

I'd go with BDO though as it has a 10k minimum and if you enroll
in EIP, you can invest as low as 1k per month.

Unionbank, although having very good returns has a 100k minimum.

Rule of thumb is, the higher the risk, the greater the potential reward.
And the longer you are invested, the lesser the market risk.

From highest risk to lowest,
Equity
Balanced
Bonds
Money Market.

So, if you have a very long term goal like retirement you'd want to put
your money in Equity. If you need the money within a year, then Money Market
would do.

Hope that helps.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: KingArthurIII on Jun 11, 2013, 08:19 PM
Uy, ang galing naman taga Zamboanga ka rin. :cool2: Gracias gayod !
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hunkinvestor on Jun 27, 2013, 08:30 AM
Hi Everyone, hope you can help me start investing. I've been browsing several websites of some MF and UITF, but I do not quite figure out which specific product should I choose.

There are graphs, percentage and numbers, but for me they don't translate to something that I truly understand.

Sorry if this question might be looking for specific answers, but I would just really want to start investing and would like to know how to choose the right product.

My goal is to start with 10,000, then add into it 5,000 to 7,000 every month until 3 years. Yes, I plan to use the money after 3 years.

I was told not to choose MF's/ UITF's that invest in stocks, rather choose the ones that invest in bonds. But there are a lot of institutions that offer these type of investments.

So it all boils down to how do I choose. Who do I trust? Where to start? What to consider? Which one will give me peace of mind?

Yes, I won't stop reading and browsing. But I hope I find the answer. I don't want to waste time.

Hope you can help me.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ikaela on Jun 29, 2013, 10:05 PM
For those who have BDO UITFs: Pwede ba mag-redeem ng shares/take profit at ANY BDO branch? I travel around the Philippines a lot kasi, baka ma-tyempuhan na yung time na gusto ko na mag-redeem eh wala ako sa hometown ko. I can't find this info on the BDO website either.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 29, 2013, 10:16 PM
In my experience, no.
I tried to redeem at a branch near my office but they
said they don't have my records.(I had invested at
the branch near my home).

When I finally got to the branch near my place,
I noticed that they also looked for their copy of
my COP.(I remember there are three ata color coded
copies of the COP, I'm guessing one for the trust dept.
one for the branch and one for myself).

I didn't push the issue as it wasn't worth it.
So, I'm not sure if they just don't allow it as a practice
but will accommodate if need be or talagang hindi pwede.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ikaela on Jun 29, 2013, 10:25 PM
Thank you once again, mxherr5. Sa UCPB kasi pwede DAW at any branch nationwide, but we'll see when I do have to redeem.

I tried opening a UITF account din pala with BPI. But they had problems connecting my savings/settlement account and the UITF account because they're not the same branch. Easy solution was to just open an account with them, but ang haaabaaa ng pila. So I just took it as a sign that I should put my money somewhere else. Alam naman natin how underperforming ang mga funds managed by BPI. :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freelancer_babe on Jun 29, 2013, 11:48 PM
For those who have BDO UITFs: Pwede ba mag-redeem ng shares/take profit at ANY BDO branch? I travel around the Philippines a lot kasi, baka ma-tyempuhan na yung time na gusto ko na mag-redeem eh wala ako sa hometown ko. I can't find this info on the BDO website either.

Yup, agree with mxherr. They told me hindi.

Actually for me it's a good thing - to avoid any temptations.

It happened na nag-open pa ako sa BDO branch na mahaba rin ang pila sa naghahandle ng UITF accounts. So that makes it even more inconvenient for me to fall in line once again and touch those funds.


I tried opening a UITF account din pala with BPI. But they had problems connecting my savings/settlement account and the UITF account because they're not the same branch. Easy solution was to just open an account with them, but ang haaabaaa ng pila.

Noong una sinabihan rin ako na mag-open ng settlement account - without any ATM pa yun - just to keep the funds. But I complained right away to the manager na marami akong accounts, so I didn't like to have another one to keep an eye on.

In the end, pumayag si manager na gamitin ang existing account ko na as the settlement account. Sya ang naghandle ng account ko, not one of her underlings.

The manager should not have let you get away. Inassist ka pa rin sana nya sa pag-open ng account. Pero siguro nga, baka nga dapat ilagay mo ang pera mo somewhere.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 30, 2013, 01:09 AM
Thank you once again, mxherr5. Sa UCPB kasi pwede DAW at any branch nationwide, but we'll see when I do have to redeem.

I tried opening a UITF account din pala with BPI. But they had problems connecting my savings/settlement account and the UITF account because they're not the same branch. Easy solution was to just open an account with them, but ang haaabaaa ng pila. So I just took it as a sign that I should put my money somewhere else. Alam naman natin how underperforming ang mga funds managed by BPI. :D

No problem.

I'm sure whoever told you that is right.
Its in how UCPB does their UITF eh.
Sa BDO kasi, COP basis talaga.

With UCPB, its like BPI. They just give you
a certificate of redemption to cancel out
the certification of participation.

Re BPI, you should have push the manager more.
Baka tinatamad lang hehe
Ako nga, an entirely different bank not just branch
(BPI Direct kasi yung ipapagawa kong settlement account)

I just gave them my "Are you really really sure you can't
do this" face and they caved in :p

Pero yeah, BPI's performance isn't too good. Hay, too bad
napa convenient ang kanilang online investment platform.

I now only have BPI's Short Term fund, the only fund which
I think BPI does well.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freelancer_babe on Jun 30, 2013, 06:34 AM
I now only have BPI's Short Term fund, the only fund which
I think BPI does well.

You're not currently suffering any losses using this fund?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jun 30, 2013, 11:35 AM
No, it usually goes up by 1 basis point every two days or so.
It used to go up every day but since they cut the rates on
SDA, it goes up a lot more slowly now.

I've seen it go down by 1 basis point but just twice or thrice since
I've had it and it doesn't last more than a week before it recovers.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: donromantiko on Jul 28, 2013, 02:19 PM
Hi everyone. I just want to ask a question regarding sa online ng BPI equity? Totoo bang anytime you can pull out the funds through internet? I think it is a good tool para ma control mo ang labas pasok ng pera mo.

Sa BDO kasi merong 30 days na holding period pero sa BPI wala? wow hehehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: lupetnen on Jul 29, 2013, 08:42 AM
i recently enrolled my BDO payroll account to its EIP to be invested in its UITF peso fixed income fund (5k each pay cut). I dont quite understand why my banker told me that in a month's time when it reaches 10k thats the only time ill be receiving a COP and for the next month another COP? Is 10k the ceiling for this investment thats why they need to create another account for each month? cant it all be in just one account?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on Jul 29, 2013, 10:44 AM
i recently enrolled my BDO payroll account to its EIP to be invested in its UITF peso fixed income fund (5k each pay cut). I dont quite understand why my banker told me that in a month's time when it reaches 10k thats the only time ill be receiving a COP and for the next month another COP? Is 10k the ceiling for this investment thats why they need to create another account for each month? cant it all be in just one account?

may minimum 10K per "Tap up" kasi ang PESO Fixed Income Fund.

https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-peso-fixed-income-fund (https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-peso-fixed-income-fund)

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: lupetnen on Jul 29, 2013, 10:48 AM
may minimum 10K per "Tap up" kasi ang PESO Fixed Income Fund.

https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-peso-fixed-income-fund (https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-peso-fixed-income-fund)

ok thanks for the immediate response sir! would you know how many is the maximum COP for this investment?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on Jul 29, 2013, 10:52 AM
walang maximum COP
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on Jul 29, 2013, 10:53 AM
Hi everyone. I just want to ask a question regarding sa online ng BPI equity? Totoo bang anytime you can pull out the funds through internet? I think it is a good tool para ma control mo ang labas pasok ng pera mo.

Sa BDO kasi merong 30 days na holding period pero sa BPI wala? wow hehehe

Yes you can pull out the funds anytime sa BPI Equity and other BPI UITF funds without penalty. You can pull out and also tap-up online pag na enrol kana. I've tried it many times. very convenient. I wish may ganun ang BDO.

http://info.bpiexpressonline.com/bpiprod/produpd.nsf/Investment+Updates/InvestmentDailyPrices (http://info.bpiexpressonline.com/bpiprod/produpd.nsf/Investment+Updates/InvestmentDailyPrices)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: lupetnen on Jul 29, 2013, 10:58 AM
walang maximum COP

thanks FFreedom3! was wondering since im new to these kind of investments, is it safe to just stay with this UITF product or should i invest in other BDO uitf's say peso balance and/or equity?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on Jul 29, 2013, 11:14 AM
thanks FFreedom3! was wondering since im new to these kind of investments, is it safe to just stay with this UITF product or should i invest in other BDO uitf's say peso balance and/or equity?

Things you should do before you start investing in Unit Investment Trust Funds:

- Take the Bank risk assessment test or questionnaire and know what type of investor are you. This is very important so you will know where to start.

- Study and know more about different Unit Investment Trust Funds offered by different banks

- Search for funds that have proven track record

Latest UITF top performance report.

UITF - http://www.pinoymoneytalk.com/philippine-uitf-returns-1st-half-2013/ (http://www.pinoymoneytalk.com/philippine-uitf-returns-1st-half-2013/)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: lupetnen on Jul 29, 2013, 11:20 AM
thanks for this info!  :cool2:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Jul 29, 2013, 11:34 PM
The client risk assessment is in fact mandated by BSP to banks offering UITFs.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: donromantiko on Jul 30, 2013, 12:57 PM
Nice bait ni ffreedom3 hehehehehehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: investormills on Aug 02, 2013, 10:36 AM
Question:
will the current RTB selling of the govt affect our bond funds in any way?
tia
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vontayap on Aug 02, 2013, 08:10 PM
Hi guys, newbie here. :hello:

in UITF or MF, the profit or loss depend on the day you redeem it. kung ang navps/navpu ay high or low in relation sa initial selling price when started the investment. Tama po ba? Kahit na 5 or 10 yrs ko pa ito bago iredeem, the profit still depend on the actual price of navps/navpu if high or low. Am I correct? Salamat po sa info.

I plan to have both UITF and MF, can anyone please suggest to me where can I start to invest. :thankyou:

heres my target to start with
UITF=BDO
MF= Sunlife
based sa mga discussion nyo dito, I think these are the best place I can start to invest. any other suggestion po. :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Aug 03, 2013, 12:16 AM
Hi guys, newbie here. :hello:

in UITF or MF, the profit or loss depend on the day you redeem it. kung ang navps/navpu ay high or low in relation sa initial selling price when started the investment. Tama po ba? Kahit na 5 or 10 yrs ko pa ito bago iredeem, the profit still depend on the actual price of navps/navpu if high or low. Am I correct? Salamat po sa info.

I plan to have both UITF and MF, can anyone please suggest to me where can I start to invest. :thankyou:

heres my target to start with
UITF=BDO
MF= Sunlife
based sa mga discussion nyo dito, I think these are the best place I can start to invest. any other suggestion po. :thankyou:

You're correct. Redemption values are calculated using the NAVPU / NAV  at the end ot the redemption date regardless of the duration of your investment.

I think your choices are OK and you can explore further as you gain more experience. Happy investing. You're doing good, man.  :welcome:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: vontayap on Aug 03, 2013, 01:50 PM
Kobabear  :thankyou:

Newbie question again, anyone here encountered loss on any investment in UITF/MF? Any reason why you sold it? :-\
Is it true that year 2006 was very bad from UITF/MF that many investors panicked out?   :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: FFreedom3 on Aug 03, 2013, 04:59 PM
Kobabear  :thankyou:

Newbie question again, anyone here encountered loss on any investment in UITF/MF? Any reason why you sold it? :-\
Is it true that year 2006 was very bad from UITF/MF that many investors panicked out?   :help:

Yes experienced it this year. I pulled it out because I want to play in Stock Market :hihi:

If you have atleast 15 years investment horizon then Invest it in Equities.

Caveat
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Aug 03, 2013, 07:02 PM
Kobabear  :thankyou:

Newbie question again, anyone here encountered loss on any investment in UITF/MF? Any reason why you sold it? :-\
Is it true that year 2006 was very bad from UITF/MF that many investors panicked out?   :help:



Losses and gains are regular occurrences in UITFs. I have more (90%) instances of gains actually because I redeem my funds when they are gaining. I only redeem losing funds when there is a potential for future gain. I have redeemed money market funds with 1% loss and re-invested it in the Equity Fund and ended up with 20-30% annualized gain.

UITFs started 2013 on fire. I think it gained 20% YoY but there was a major correction last June.  The correction that happened in 2006 looked worse than it should because a lot of people panicked. A lot of investors then are not really educated with the in/outs of investing but those who did made a killing by staying the course. Now this opportunity can be had but first educate yourself by reading extensively here. If you could search posts from these guys, you're in good hands:

bauer, freefront, FG, kithe, tony8898, prospera, vicces, mikoangelo, (to name a few) and the Member of the Month awardees.

Good luck to all of us.  :rakenrol:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: JamieLo on Aug 11, 2013, 04:19 AM
Regarding BDO's UITF-EIP, what will happen if you were not able to fund your bank account with the amount supposed to be allocated for your monthly investment? What will happen to your previous investments?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 11, 2013, 07:19 AM
walang mangyayari, no penalties or anything and then tuloy lang ulit next contribution date.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: JamieLo on Aug 11, 2013, 08:49 AM
Paano po kung matagal natigil at naubusan na ng maintaining balance ang bank account? Pwede ba ituloy uli ang EIP using a new bank account let say after several years of being inactive?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: garter26 on Aug 13, 2013, 01:13 PM
Hi po sa mga masters dito! I've been lurking for quite some time now in this forum and I  decided to register to ask for advice to the masters here.

I am 23 years old and I have 320k+ worth of savings na hirap kong inag-ipunan sa sobrang pagtitipid thru working for more than 2 years now now which is nakastock lang sa savings account (BPI Maxisaver and BDO), I realized na walang masyadong tinutubo ang pera ko and course inflation rates beats the interest rate of this savings account. So this time, I want to try investing naman and I want to try BDO UITF, Since first timer ako when it comes to investing, I would like to invest first 100k, 50k would be as lump sum sa BDO Equity Fund and I will park there siguro for more than a year than I'll just add up some funds pag nakita kong kumikita naman. Then the other 50k, I'll do cost averaging thru BDO -  Balanced Fund, siguro hulugan ko na lang ng 5k per month then if kumita naman dagdagan ko pa ng dagdagan even I surpassed my 50k budget since may emergency fund naman na ako. What can you advice po sakin na wala pang experience sa investing? My goal is to have atleast a decent house and lot and a car when I reach age 30 and kahit na 1million savings pwede na. Bata pa naman ako so ok lang siguro ang risk pero ayaw ko naman po na mawala bigla ang pinaghirapan ko. I save and planning to invest kasi ayaw kong maghirap pa since lumaki kami sa hirap. Any advice? Safe po ba ang UITF even equity funds? I know there is risk pero on the average? madami na ba nalugi and/or kumita sa UITF? Looking forward to your advice! Thanks po!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Garmin on Aug 16, 2013, 04:21 PM
Hi po sa mga masters dito! I've been lurking for quite some time now in this forum and I  decided to register to ask for advice to the masters here.

I am 23 years old and I have 320k+ worth of savings na hirap kong inag-ipunan sa sobrang pagtitipid thru working for more than 2 years now now which is nakastock lang sa savings account (BPI Maxisaver and BDO), I realized na walang masyadong tinutubo ang pera ko and course inflation rates beats the interest rate of this savings account. So this time, I want to try investing naman and I want to try BDO UITF, Since first timer ako when it comes to investing, I would like to invest first 100k, 50k would be as lump sum sa BDO Equity Fund and I will park there siguro for more than a year than I'll just add up some funds pag nakita kong kumikita naman. Then the other 50k, I'll do cost averaging thru BDO -  Balanced Fund, siguro hulugan ko na lang ng 5k per month then if kumita naman dagdagan ko pa ng dagdagan even I surpassed my 50k budget since may emergency fund naman na ako. What can you advice po sakin na wala pang experience sa investing? My goal is to have atleast a decent house and lot and a car when I reach age 30 and kahit na 1million savings pwede na. Bata pa naman ako so ok lang siguro ang risk pero ayaw ko naman po na mawala bigla ang pinaghirapan ko. I save and planning to invest kasi ayaw kong maghirap pa since lumaki kami sa hirap. Any advice? Safe po ba ang UITF even equity funds? I know there is risk pero on the average? madami na ba nalugi and/or kumita sa UITF? Looking forward to your advice! Thanks po!

hi garter26,

galing mo dude!  you are on the right track.  i suggest you look into getting yourself  insured first before going into other investments.  you are the best asset of them all, kaya protect yourself muna before anything else.

also, leave at least 6-9mos worth of your expenses in TD as your emergency fund.  whatever is left you can invest in UITF and/or MF.  there are quite a good number of companies who offer UITF's and/or MF's.  scout and compare their peformance then take the plunge.

one more thing, continue saving and investing.  part of your salary should go to savings/investment and/or on things that appreciate in value.  with good discipline, you'll hit your 1st Million in no time.  chart your progress and reward yourself din!

good luck dude!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: garter26 on Aug 16, 2013, 05:29 PM
Thanks dude! I already enrolled for BDO UITF and lumpsum 80k to equity fund and will cost average 5k monthly for balanced fund and I enrolled it to BDO EIP. Dagdag na lang siguro ako ng funds in the future if mejo comfortable na ako sa investment na ganito. Sana nga nasa right track ako! I'm very glad I joined this forum. Sobrang dami kong natutunan.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bravelicious on Aug 28, 2013, 03:56 PM
hi. tanong lang po. mukhang hindi maganda ang performance ng pfif at equity ng bdo uitf? i've been busy for quite some time kaya hindi na ulit nakapagbasa basa dito ngayon na lang ulit. chaka sa uitf pala kung how much monthly kong iniinvest yun lang ang ni-place nilang investment hindi yung total amount ng naipon ko using EIP? tama  ba? bkit ganun?

thanks in advance.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 29, 2013, 01:56 AM
hi. tanong lang po. mukhang hindi maganda ang performance ng pfif at equity ng bdo uitf?

Compared to what sir?
The market is going down right now eh..all equity funds are down by a lot.

chaka sa uitf pala kung how much monthly kong iniinvest yun lang ang ni-place nilang investment hindi yung total amount ng naipon ko using EIP? tama  ba? bkit ganun?

Hindi ko ma gets yung tanong nyo sir.
Yes, kung 1k per month ang EIP mo then 1k per month ang maiinvest
hanggang sa umabot sa market value na 10k ang EIP investment mo
at ma "spun off" sya at bibigyan ka ng COP.

Ano ibig mong sabihin sa total amount naipon?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: electrickoelectric on Sep 20, 2013, 01:34 PM
tanong lng po kung tama kasi nagopen ako ng uitf sa bdo sept 16 morning tama po ba na ang naavail ko na value ng navpu ay for sept 16 which is computed the night of sept 16?meaning ndi ko alam ang navpu when i open and need to wait ang compitation after the day.

so for example gus2 ko na ipullout ndi ko rin alam ang value and need to wait till 7pm?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Sep 20, 2013, 02:44 PM
12 noon cutoff. Kaya kung pasok ka dun, avail mo ang NAVPU by that day which is available at night time. This is applicable for both placement and redemption.

Di mo alam syempre ang closing NAVPU but for equity funds a good guide will be the PSEi. They are closely correlated so alam mo kung tataas o bababa NAVPU for the day. Pero be aware of the cutoff time.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: electrickoelectric on Sep 20, 2013, 04:23 PM
up to 12noon pla cutoff. after 12 d n cla ngprocess?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: katkatmachine on Sep 20, 2013, 04:37 PM
up to 12noon pla cutoff. after 12 d n cla ngprocess?

magpaprocess pa rin sila kung after 12 noon ka nagbuy/redeem pero yung price the next day ang makukuha mo.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Sep 21, 2013, 12:09 AM
^kat, forward pricing ang UITF? Ang intindi ko kasi sa cut-off (ng MF, ha?) After 12:00 noon, yung calculated NAVPS na ang applicable sourced from the prices of the same day. Before 12:00 noon, applicable pa dun ang yesterday's NAVPS.

Wait. ^that is exactly what you said. Meaning, From 12:00 noon today until 12:00 noon tomorrow( or Monday), the same ang NAVPS.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: katkatmachine on Sep 21, 2013, 09:02 AM
Wait. ^that is exactly what you said. Meaning, From 12:00 noon today until 12:00 noon tomorrow( or Monday), the same ang NAVPS.

opo. hehe.

basta po if you redeem your shares today before the cut off time (12 noon) you will get the navpu that will be calculated on that day. pag after 12 noon na po kayo nagredeem, ang navpu na makukuha niyo ay yung tomorrow's price.

:D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Sep 21, 2013, 10:17 AM
sa bpi ang cut-off is 2:30pm for buying/redeeming of mf/uitf after 230pm navps/navpu of the following day will be use  pero sa bdo 12noon as usual...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Sep 21, 2013, 02:10 PM
sa bpi ang cut-off is 2:30pm for buying/redeeming of mf/uitf after 230pm navps/navpu of the following day will be use  pero sa bdo 12noon as usual...

If this is true, then it is very important because you can track the PSEi which closes at 4PM and be guided in your entry/exit strategy.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Sep 21, 2013, 02:28 PM
BPI funds have different cut-off times. Odyssey funds cut-off maybe 2/2:30 PM but the next day's NAVPU is applicable.

Please refer to this link:

https://www.bpiassetmanagement.com/pages/order-cut-off--settlement-schedule
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: tyronesolee on Sep 25, 2013, 01:12 PM
Hi po sa mga masters dito! I've been lurking for quite some time now in this forum and I  decided to register to ask for advice to the masters here.

I am 23 years old and I have 320k+ worth of savings na hirap kong inag-ipunan sa sobrang pagtitipid thru working for more than 2 years now now which is nakastock lang sa savings account (BPI Maxisaver and BDO), I realized na walang masyadong tinutubo ang pera ko and course inflation rates beats the interest rate of this savings account. So this time, I want to try investing naman and I want to try BDO UITF, Since first timer ako when it comes to investing, I would like to invest first 100k, 50k would be as lump sum sa BDO Equity Fund and I will park there siguro for more than a year than I'll just add up some funds pag nakita kong kumikita naman. Then the other 50k, I'll do cost averaging thru BDO -  Balanced Fund, siguro hulugan ko na lang ng 5k per month then if kumita naman dagdagan ko pa ng dagdagan even I surpassed my 50k budget since may emergency fund naman na ako. What can you advice po sakin na wala pang experience sa investing? My goal is to have atleast a decent house and lot and a car when I reach age 30 and kahit na 1million savings pwede na. Bata pa naman ako so ok lang siguro ang risk pero ayaw ko naman po na mawala bigla ang pinaghirapan ko. I save and planning to invest kasi ayaw kong maghirap pa since lumaki kami sa hirap. Any advice? Safe po ba ang UITF even equity funds? I know there is risk pero on the average? madami na ba nalugi and/or kumita sa UITF? Looking forward to your advice! Thanks po!

I salute you! Continue your savings habit and you're on your way to making your first million! :)

Be inspired with my TV guest interview at ANC On the Money below. I know you can do it bro! :)

http://www.youtube.com/watch?v=w7VWQ_xi5to (http://www.youtube.com/watch?v=w7VWQ_xi5to)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bors on Oct 03, 2013, 11:09 AM
Question sirs: Are UITF's transferable? can I go to my bank and have the COP under my name transferred, for example, to my son or daughter? Thanks.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Oct 03, 2013, 12:23 PM
Question sirs: Are UITF's transferable? can I go to my bank and have the COP under my name transferred, for example, to my son or daughter? Thanks.

No. Redeem it first and re-invest under your child's name. If he/she is a minor, i believe you should be in joint account.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Oct 03, 2013, 01:13 PM
As far as I know pag minor usually ITF(in trust for) ang gusto mong type of "ownership"(?) nung account.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Wadup on Oct 22, 2013, 10:25 PM
Hi everyone, just introduce myself awhile ago and its nice to be here!
Anyway, i have an inquiry...may i know how much ang mga fees/charges etc. if magre-redeem? If it depends on the amount, pa sample na lang siguro so i have an idea.

Thanks in advance!  :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Nov 13, 2013, 08:51 PM
Whats the matter with bdo bond fund? 5% drop??  1800 nalang Navpu!!!! Yari ako if thats not a typo on their site.........

https://www.bdo.com.ph/personal/investments/daily-net-asset-value
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bj71 on Nov 13, 2013, 10:00 PM
Whats the matter with bdo bond fund? 5% drop??  1800 nalang Navpu!!!! Yari ako if thats not a typo on their site.........

https://www.bdo.com.ph/personal/investments/daily-net-asset-value

Also the bdo equity fund pa baba!

Balak ko na itigil yun EIP ko sa bdo equity until December na lang then mag open ako sa union bank large cap ba yun? Dun na lang ako mag invest monthly for the year 2014

What do you think mga partner?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 13, 2013, 10:37 PM
Whats the matter with bdo bond fund? 5% drop??  1800 nalang Navpu!!!! Yari ako if thats not a typo on their site.........

https://www.bdo.com.ph/personal/investments/daily-net-asset-value

A 5% drop would mean that you entered at around a NAVPU of 1,900
but the BDO Bond Fund's highest NAVPU in the last 5 years is just a
few points higher than 1,800 at 1,810...

Are you maybe mixing up BDO's Fixed Income Fund with the Bond Fund?
Because the Fixed Income Fund is at 1,888..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 13, 2013, 10:39 PM
Also the bdo equity fund pa baba!

Balak ko na itigil yun EIP ko sa bdo equity until December na lang then mag open ako sa union bank large cap ba yun? Dun na lang ako mag invest monthly for the year 2014

What do you think mga partner?

Big time sir, 100k per month yan kung itutuloy mo plano mo :D nkaka ingit
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Nov 13, 2013, 10:53 PM
I attended the BDO AMG investor's meeting in Manila Pen last Monday.  The BDO president Mr. Tan gave a speech, and the heads of Asset management gave their recommendations.

Basically, sell your bond funds.  Even at a loss.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Nov 14, 2013, 12:15 AM
A 5% drop would mean that you entered at around a NAVPU of 1,900
but the BDO Bond Fund's highest NAVPU in the last 5 years is just a
few points higher than 1,800 at 1,810...

Are you maybe mixing up BDO's Fixed Income Fund with the Bond Fund?
Because the Fixed Income Fund is at 1,888..

Holy, Big time apologies, Dont know what hit me, youre right mxherr. I was outside when I checked the NAVPU and I dont know why I kept thinking last bond fund NAVPU was 1900 and it actually bothered me and couldnt wait to get home to check...Whew....

@RP, this false alarrm has actually gotten my attention on my bond fund placements... Will consider to  redeem partially....Indeed, I have some thats on the negative... the problem is, if I redeem it, I dont know which investment vehicle I should put the funds to..

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Nov 14, 2013, 02:06 AM
I attended the BDO AMG investor's meeting in Manila Pen last Monday.  The BDO president Mr. Tan gave a speech, and the heads of Asset management gave their recommendations.

Basically, sell your bond funds.  Even at a loss.

rp, the reasons daw?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Nov 14, 2013, 06:56 AM
Well, basically they expect interest rates to start to climb, and when interest rates go up, bond funds go down.  If I remember my finance basics, every 1% increase in interest rate causes 10% decline in bond funds. 

Their basic recommendation is only buy equiity and money market. 

They'll be coming out with a gold fund, dividend yielding fund, focused equity fund.  I think they're all equity.

They also said to expect a good uptick cuz once SDA's are closed by end of novermber, P1.5 trillion pesos will look for a home...and some of that will end up in equity funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bauer on Nov 14, 2013, 08:26 AM
I attended the BDO AMG investor's meeting in Manila Pen last Monday.  The BDO president Mr. Tan gave a speech, and the heads of Asset management gave their recommendations.

Basically, sell your bond funds.  Even at a loss.

I do not know how interest rates will rise in the next 2 years.  The FEDS guaranteed an interest rate of between 0 to 0.25% until 2015.

The monthly $85B FED buying program, which is suppose to end first quarter of 2014, is now deemed extended without a time limit.

Recently, the ECB lowered their interest by 0.25% from 0.50% due to the fear of 'deflation'.  Japan has already maintained a 0% interest for about a GENERATION.

If our local banks' see a rise in interest rates, maybe they see that our economy will experience a lower growth or that our private sector is already over leverage.  I do not see what they see at least for the next 2 years.

My conclusion......... Maintain a good mix of bonds, equity, and other financial instruments.  Worst case scenario, If bonds will fall 30% or more, then buy more bonds so your cost will be lower.  It will bless you a good number of years ahead in the future.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 14, 2013, 08:38 AM
@ freefront, I'm surprised you haven't heard about it.
There's been a lot of articles about it for a few years na
US based articles nga lang.

What with interest rates at historic lows.
But (in the US) it isn't as simple as that, as history(US)
has shown that short term interest rates are more volatile
than long term interest rates.
Yung long term interest rates don't move a lot daw.

And remember, when the interest rates rises, yung face value
lang ng bond ang nababawasan, same pa rin ang interest payments
at kung held to maturity, bale wala ang rise sa interest rates.

Had experience a somewhat similar scenario sa ABF Bond Fund.
Nag recalibrate sila ng bond prices which caused the NAV to go down
parang 3% the next day. Paper loss tuloy pero I just averaged down, back
to positive teritory ulit :D

@rp, actually its not -10%/1% rise in rates. You have to look at the duration
which is in both BPI's and BDO's fund fact sheet.

Whatever the duration is, that is how big of a loss the fund would experience
for every 1% rise in rates.

I'm excited about the new funds you mentioned.
I hope they keep with their usual practice of having low fees :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Nov 14, 2013, 08:42 AM
I just read this latest news in Inquirer today: http://business.inquirer.net/152207/yolanda-may-keep-interest-rates-low

It said that "Barclays said the BSP may keep its policy rates at their current record lows until the third quarter of next year."

So maybe we won't expect bond funds to go down anytime soon? Besides it may be one of the funds that may go up once foreign funds, SDA, enter our market?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Nov 14, 2013, 12:25 PM
^ not a fan of bonds   :D I reckon I'll go near them when they hit above 10%. Besides, the little of what I have are more or less liquid#itchypwetsmoney. It's SA then hop to MF and stocks. I don't have the luxury of time anymore  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hunkinvestor on Nov 19, 2013, 10:32 AM
Mga sir I just opened an Equity Fund sa BDO and at the same time an ATM savings account para sa EIP.

Binigyan lang ako ng receipt para sa inopen ko na 10,000 and di ko alam ilan ang number of shares ko.

Also, sa EIP ba, let's say twice a month ka kakaltasan ng 2500, hindi automatic additional investment yun diba? Kasi kailangan umabot muna ng 10,000? So saan ilalagay yung na-debit sayo? Floating money? And may confirmation ba na makukuha pag nakaltasan ka na? Basically, I wanna have some proof na nakaltasan ako at napunta sya sa investment fund ko.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 19, 2013, 11:34 AM
If you enrolled your CMN in BDO Online then you'll see your
"floating" investment otherwise you can go to branch to get
the same information.

In BDO Online you'll see the following
Product: (Type of UITF)
COP Number: EIP-XXXXXX
Placement Date:
No. of Units:
Amount as of <Current Date>:
Unrealized Gains/Loss:

Btw the only difference(as seen online) between these "floating" investment and a spun off one
with a COP is that the COP Number for floating investments has EIP-XXXXXX whereas a spun off
investment would have a real COP Number.

You will not be given any proof/receipt for every investment/contribution.
You'll just have to trust BDO or alternatively, you can enroll your EIP online and you can monitor
it real time so you can report discrepancies.

**NOTE: You will ofcourse have an "unofficial" proof of debit since this would be
a debit against your savings account to your EIP with the following description:
ADA TRUST UITF & REFNUM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hunkinvestor on Nov 19, 2013, 12:25 PM
If you enrolled your CMN in BDO Online then you'll see your
"floating" investment otherwise you can go to branch to get
the same information.

In BDO Online you'll see the following
Product: (Type of UITF)
COP Number: EIP-XXXXXX
Placement Date:
No. of Units:
Amount as of <Current Date>:
Unrealized Gains/Loss:

Btw the only difference(as seen online) between these "floating" investment and a spun off one
with a COP is that the COP Number for floating investments has EIP-XXXXXX whereas a spun off
investment would have a real COP Number.

You will not be given any proof/receipt for every investment/contribution.
You'll just have to trust BDO or alternatively, you can enroll your EIP online and you can monitor
it real time so you can report discrepancies.

**NOTE: You will ofcourse have an "unofficial" proof of debit since this would be
a debit against your savings account to your EIP with the following description:
ADA TRUST UITF & REFNUM

Hi, thanks for the response. What is CMN, is it an account number? I haven't enrolled any online account since wala naman ibinigay sa akin kundi OR ng inopen ko na amount which is 10,000 for the Equity Fund, and a Cash Deposit Slip of 2000 for the ATM Savings account. How do I enroll online? So that's the only way para ma keep track ang investment?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Nov 19, 2013, 01:16 PM
Client Master Number, you can see this in your COP.
Back when I first opened an EIP account, I had to wait
until my EIP spun of as you can only see it once you get
a COP.

But I've been told that things has changed has then and
you can now enroll without waiting for your first COP.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Wadup on Nov 22, 2013, 01:47 AM
 :help:
I am currently unhappy with the downsliding BDO equity fund. I invested last nov 6 knowing already the typhoon coming but no idea that time that it will be a disaster. My paper loss have reached today Pxx,000.

Any insights guyz! :help:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Nov 22, 2013, 08:11 AM
:help:
I am currently unhappy with the downsliding BDO equity fund. I invested last nov 6 knowing already the typhoon coming but no idea that time that it will be a disaster. My paper loss have reached today Pxx,000.

Any insights guyz! :help:

Don't worry, Equity funds are meant to be held for at least 5 years. My paper loss reached Pxxx,000.00 , and I'm still waiting for the NAV to drop some more so I can buy more.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jmces on Nov 22, 2013, 08:53 AM
Don't worry, Equity funds are meant to be held for at least 5 years. My paper loss reached Pxxx,000.00 , and I'm still waiting for the NAV to drop some more so I can buy more.


big fundie :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hunkinvestor on Nov 22, 2013, 10:05 AM
Client Master Number, you can see this in your COP.
Back when I first opened an EIP account, I had to wait
until my EIP spun of as you can only see it once you get
a COP.

But I've been told that things has changed has then and
you can now enroll without waiting for your first COP.


Bakit ganun, I got my COP today pero right across the account ID no. there is the CMN pero it says null?

Also, yung activation ng online account ba di right away? I activated my account na sa ATM pero pag check ko ngayon application status is pending daw.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Wadup on Nov 23, 2013, 03:18 AM
Don't worry, Equity funds are meant to be held for at least 5 years. My paper loss reached Pxxx,000.00 , and I'm still waiting for the NAV to drop some more so I can buy more.

 :thankyou: Yagami.
Yeah, ill just forget monitoring for awhile. Ty for the uplift. Lets just hope next week, it will rise..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Wadup on Nov 23, 2013, 03:20 AM
Oh btw, what is the reason behind the down of equity this week?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Nov 23, 2013, 09:19 AM
Oh btw, what is the reason behind the down of equity this week?


The effect of typhoon Yolanda probably. But it's all economic cycles (down and up). It will always happen, it's human nature. Still, businesses grow and increases in value over time. Think about your equity fund as a newly built business, it takes time for you to establish the business and earn money and there will be some losses along the way.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Nov 23, 2013, 10:55 AM
The effect of typhoon Yolanda probably. But it's all economic cycles (down and up). It will always happen, it's human nature. Still, businesses grow and increases in value over time. Think about your equity fund as a newly built business, it takes time for you to establish the business and earn money and there will be some losses along the way.

It will only be a loss if you sell your uitf now.

I'm so so nervous.  Nervous cuz I've been in this position before, wherein some crisis(US debt ceiling, Great recession, Pablo, Ondoy, etc.) will greatly affect our stock market and it will decline.  My head tells me to invest more but my heart says it may go much further down and NOT COME UP AGAIN. But this never happens!

The PSE always recovers!  And so, I'm nervous about my mixed feelings of greed and fear!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Nov 23, 2013, 12:31 PM
It will only be a loss if you sell your uitf now.

I'm so so nervous.  Nervous cuz I've been in this position before, wherein some crisis(US debt ceiling, Great recession, Pablo, Ondoy, etc.) will greatly affect our stock market and it will decline.  My head tells me to invest more but my heart says it may go much further down and NOT COME UP AGAIN. But this never happens!

The PSE always recovers!  And so, I'm nervous about my mixed feelings of greed and fear!

Temperament is the key. Warren Buffett is the master of temperament, and I'm his disciple, LOL
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: speqter on Nov 24, 2013, 09:37 PM
My head tells me to invest more but my heart says it may go much further down and NOT COME UP AGAIN. But this never happens!

Would you guys recommend to invest more on equity UITF right now? Or would you recommend instead to wait for more news regarding the US quantitative easing decision?

Also, if the US Federal Reserve finally decides to slow down its monetary stimulus, any guess on how much this will impact the PSEi index? Would it be more than 30% decline in a year?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Wadup on Nov 25, 2013, 10:21 PM
 :cool2:

I like the way you think Yagami! :applause:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Nov 28, 2013, 11:38 AM
Would you guys recommend to invest more on equity UITF right now? Or would you recommend instead to wait for more news regarding the US quantitative easing decision?

Also, if the US Federal Reserve finally decides to slow down its monetary stimulus, any guess on how much this will impact the PSEi index? Would it be more than 30% decline in a year?

I've been buying and buying and buying.  Because of the extreme declines due to Yolanda and all the bad press we got.  I've been buying cuz it will get better before year end and early next year.  And if there will be QE tapering by March,  I'll sell EVERYTHING by february!

Then buy slowly again by April!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: speqter on Nov 28, 2013, 11:11 PM
I've been buying and buying and buying.  Because of the extreme declines due to Yolanda and all the bad press we got.  I've been buying cuz it will get better before year end and early next year.  And if there will be QE tapering by March,  I'll sell EVERYTHING by february!

Then buy slowly again by April!

Thank you richpulubi!
Which specific UITF are you buying?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Nov 29, 2013, 02:08 PM
Hi, would just like to ask what are the disadvantages of having an ITF UITF account for my daughter?
She is less than a year old and I'm planning to get an ITF account for her for long term investment. need some inputs this.
Thanks
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Nov 29, 2013, 03:05 PM
Thank you richpulubi!
Which specific UITF are you buying?

Equity in BDO, RCBC, PNB, Metrobank, BPI local Asia pacific, and Global, Odyssey.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Nov 29, 2013, 03:11 PM
Hi, would just like to ask what are the disadvantages of having an ITF UITF account for my daughter?
She is less than a year old and I'm planning to get an ITF account for her for long term investment. need some inputs this.
Thanks

How big an amount?  If it's about P100K, then 'donate' it to her, so walang tax problems if, God forbid, something happens to you. ITF still undergoes probate kasi.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Nov 29, 2013, 04:08 PM
^ minimal lang. actually, maguumpisa lang ako sa 5K. part to ng gifts sa kanya during Christening. since relatively napakahaba ng investing horizon nya, plan ko ilagay sa equity fund. ITF para nakapangalan talaga sa kanya and by the time na at least 5 years old sya, makikita na nya ang "result" ng investment "nya" 5 years ago.

fast forward, assuming 18 years old na sya, ma-aauto convert ba ang ITF into a regular account.. her account na talaga?
or need pa ba na ako talaga ang umasikaso para maconvert ito na hindi na maging ITF? will the conversion treat it as the same account or parang invest ulit na masstart ulit ang counting ng minimum holding period?

salamat po
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: katkatmachine on Nov 29, 2013, 04:33 PM
^ minimal lang. actually, maguumpisa lang ako sa 5K. part to ng gifts sa kanya during Christening. since relatively napakahaba ng investing horizon nya, plan ko ilagay sa equity fund. ITF para nakapangalan talaga sa kanya and by the time na at least 5 years old sya, makikita na nya ang "result" ng investment "nya" 5 years ago.

fast forward, assuming 18 years old na sya, ma-aauto convert ba ang ITF into a regular account.. her account na talaga?
or need pa ba na ako talaga ang umasikaso para maconvert ito na hindi na maging ITF? will the conversion treat it as the same account or parang invest ulit na masstart ulit ang counting ng minimum holding period?

salamat po

sir, may nahanap akong article about ITF. baka makatulong po. :)

http://retirehappy.ca/use-caution-with-in-trust-accounts-for/ (http://retirehappy.ca/use-caution-with-in-trust-accounts-for/)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sphinxz on Nov 29, 2013, 06:35 PM
thanks katkatmachine :) good read. isip isip muna. :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Nov 29, 2013, 08:11 PM
Equity in BDO, RCBC, PNB, Metrobank, BPI local Asia pacific, and Global, Odyssey.

Richpulubi, do you buy equity fund on all those mentioned? If so, do you think doing it is too overdiversified?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: chinito77 on Nov 29, 2013, 08:49 PM
Equity in BDO, RCBC, PNB, Metrobank, BPI local Asia pacific, and Global, Odyssey.

Wow so many sir.. why don't you buy stocks directly instead?  :scratch:

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Dec 02, 2013, 10:14 AM
Richpulubi, do you buy equity fund on all those mentioned? If so, do you think doing it is too overdiversified?

Actually kulang ang pagka-diversified ko, more of local equities.  I know the people they hire to run these funds are more 'experienced' and 'smarter' that I can ever be.  And I've noticed from the years, one fund does good one year, then iba naman the next year.  Kaya, I'm hoping to average them out!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Dec 02, 2013, 10:51 AM
Wow so many sir.. why don't you buy stocks directly instead?  :scratch:



Iba kasi ang mindset ng entrepreneur sa stock investor.  An entrepreneur needs a whole lot of positive thinking and enthusiasm.  With sheer willpower and intelligent planning, you can control and grow your business.

Sa stocks, you have to be as cold and calculating as a robot.  And no matter how much positive energy you have, baka bumagsak pa rin ang stocks mo!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Dec 02, 2013, 11:55 AM
Actually kulang ang pagka-diversified ko, more of local equities.  I know the people they hire to run these funds are more 'experienced' and 'smarter' that I can ever be.  And I've noticed from the years, one fund does good one year, then iba naman the next year.  Kaya, I'm hoping to average them out!

As a side note, this is one of the reasons for investing in an index fund.
On average, you will be getting the aggregate performance of all funds.

Still more applicable in the US where there are more funds than listed
companies(daw) and harder to pick the winner.

I myself just choose which ever fund has an "affordable" investment requirement
as my primary criteria, with low fees and convenience as secondary criterias :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jmces on Dec 02, 2013, 12:00 PM
As a side note, this is one of the reasons for investing in an index fund.
On average, you will be getting the aggregate performance of all funds.

Still more applicable in the US where there are more funds than listed
companies(daw) and harder to pick the winner.

I myself just choose which ever fund has an "affordable" investment requirement
as my primary criteria, with low fees and convenience as secondary criterias :D

meron na ding ETF baka gusto nyo icheck :D pero mas ok padin direct stocks  :watchuthink:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Dec 02, 2013, 04:34 PM
As a side note, this is one of the reasons for investing in an index fund.
On average, you will be getting the aggregate performance of all funds.

Still more applicable in the US where there are more funds than listed
companies(daw) and harder to pick the winner.

I myself just choose which ever fund has an "affordable" investment requirement
as my primary criteria, with low fees and convenience as secondary criterias :D

Kaya lang duda rin ako sa 'index fund' dito...parang hindi passivley invested...but let's see after a few weeks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ferrariEverest on Dec 02, 2013, 05:24 PM
Depende po yun sa fund, Sir. Check nyo yung prospectus kung ano instruments laman ng portfolio. Kahit index fund yata, minsan may halo pa ibang instruments, kung tama pagkaalala ko.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Dec 05, 2013, 01:09 PM
@richpulubi, you said that BDO planned to offer a dividend-focused fund and
it looks like its now in their web page:
https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-sustainable-dividend-fund

The fee is at 1.25% p.a. though, but I guess it is lower by 0.25% compared to BPI's

Also, the NAVPU is not yet built into the site and BDO
actually links to uitf.com.ph so tada, uitf.com.ph is back online
which I just learned right now.

BDO seems to be awfully quiet about its new funds(there's
another aside from this one)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Dec 05, 2013, 03:05 PM
@richpulubi, you said that BDO planned to offer a dividend-focused fund and
it looks like its now in their web page:
https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-sustainable-dividend-fund

The fee is at 1.25% p.a. though, but I guess it is lower by 0.25% compared to BPI's

Also, the NAVPU is not yet built into the site and BDO
actually links to uitf.com.ph so tada, uitf.com.ph is back online
which I just learned right now.

BDO seems to be awfully quiet about its new funds(there's
another aside from this one)

Tingin ko, parang 'soft opening'.  I'm really excited about them and thanks for mentioning it, but I'm giving them a few days more just to see if the fund manager is competent!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Dec 05, 2013, 08:21 PM
Tingin ko, parang 'soft opening'.  I'm really excited about them and thanks for mentioning it, but I'm giving them a few days more just to see if the fund manager is competent!

They still have not released the complete list of stocks being invested on each of the fund. I need to see first the lists before I dive into this funds.

I hope the Focused Equity Fund means "less diversified". The BDO Equity Fund just like other average equity funds in the market have about 30 different stocks being invested which may be too diversified.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hunkinvestor on Dec 11, 2013, 09:00 AM
Ang laki ng binaba ng NAVPU ng BDO Equity Fund. Di ko pa din ma-activate ang Trust Fund ko on-line since walang nakalagay ng CMN sa COP ko. Parati na lang tatawag daw sila sa akin ulit, di naman tumatawag. :(

I enrolled sa EIP, kaso parang nakikita ko di ko controlled kung kelan ko gusto mag buy ng addtl shares like ngayon. Pwede ba sa BDO yung transfer mo yung money from savings acct to Trust Fund? Para no need to withdraw na?

Would you advise ba na mag EIP ako? Mas marami ba talaga sya advantages?

Also, how can I track my investment kung wala pa ako CMN and I can't activate my Trust fund online?


Thanks. :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Dec 11, 2013, 09:15 AM
No but I hope they can implement one soon.
Only BPI and PNB among the banks have such a facility.

How long has it been since you reported this issue?
Have you tried escalating this?
Also, how are you contacting BDO? via phone or email?
You might want to try emailing them instead and copy
the trust department as well.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hunkinvestor on Dec 12, 2013, 08:24 AM
No but I hope they can implement one soon.
Only BPI and PNB among the banks have such a facility.

How long has it been since you reported this issue?
Have you tried escalating this?
Also, how are you contacting BDO? via phone or email?
You might want to try emailing them instead and copy
the trust department as well.

About 3 weeks now. I tried calling the call center first then they said wala sila idea kung bakit walang CMN so they gave me the branch telephone number then I called them. It has been thrice already that I tried calling them and they would say the same response na follow-up nila sa main. I went there twice now to follow-up kaso wala na yung nag assist sa akin mag open ng account so I guess this would have to start from scratch again... ibang tao na naman kausap ko e.

Email works better for me, anong email address kaya?

Sorry for the OT. Anyway, tuloy lang ang pagbaba ng NAVPS nya ah. Mukhang before the year ends, we are to see the lowest NAVPS this year. hmmmm...

So at this point, curious lang. Ok pa ba ang may EIP?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: gh0st on Jan 05, 2014, 09:23 PM
^ depends on your strategy sir.

I cancelled my EIP sa BDO last year. I decided to do manual top-ups na lang since I have time to check the market once in a while. I usually allot 3k per month sa EIP so every 4mos. may COP ako. This year, I'll make sure I still save up or allot at least 40k/year for my UITF account then top-ups once I see market dips.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: j_l on Jan 05, 2014, 11:31 PM
Have you guys ever considered buying an ETF, particularly FMETF (sabagay sya lang ang nag-iisa sa market ngayon) rather than mutual funds or UITF. 'Coz halos same lang rin naman na ngayon yun don. Mas less pa ata ang cost/ charges, kasi ikaw mismo na ang mageexecute. Meaning you have full control na sa positions nyo at the same time medyo liquid sya, you can go in and out of the ETF "anytime", all you need is an online stock brokerage account. Wala pang minimum initial investment na 10k, tulad ng ibang UITF. Siguro ang talagang minimum na kailagan nyo lang sundin is yung sa mismong broker. In which 5k lang ang minimum na kailangan to open a trading account tapos you have full control na sa investment mo by just having a computer and an internet connection.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Lapiz on Jan 06, 2014, 03:43 PM
Hi guys! Need your help here. I now have Php 1M from salary savings. I'm planning to put it under bond or equity UITF or any other investment vehicle. Problem is, I bought a condo and I have a balance of Php 1.5M which I need to pay for 10 years at 8.5% p.a. What is the best way to go about this problem?
            1. Continue with my plan to invest in UITF and just bear the cost of condo loan of 8.5%
            2. Reduce principal by 1M to minimize interest - problem here is that all my money would go into real estate industry. Hence, my assets would not be diversified.

Any opinion, suggestion, comments will be well appreciated.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: j_l on Jan 07, 2014, 04:08 PM
Ang laki naman ng interest rate nyan, compared sa ino-offer sa current market natin ngayon. I think you should ask your bank to refinance your loan, and i-keep up to the current interest rates natin ngayon. Unless sabi sa contract na "striclty" fixed ang interest rate mo, or any prohibitions in a certain degree na nakalagay sa contract nyo ng bangko to not readily change it.

All i can say is, there's no real guarantee sa UITF, Mutual Funds, ETF, Stocks, etc. But mas biased towards gaining siya, unless rin na-bankrupt ang stocks ng company na pinanghahawakan mo, if your holding only a single stock (stock market), although it's a bit's rare to find one sa mga stock listed companies na ma-bankrupt or wala* pa ata sa history ng Pilipinas na merong stock listed company na na-bankrupt. Iba naman story sa UITF, Mutual Funds, and ETF* kasi diversified naman yung investment na yon. So if your money is much more needed to pay for your loans in the future, maybe secure a certain amount na lang siguro, to cover at least a couple of years to pay for it para sigurado or reduce the principal na nga lang to a point na siguro kaya na ng part ng salary mo to pay for your loan, without having to pull-out "kagad" some funds na ilalagay mo naman sa investment.

Mahirap na ma-default sa loan maslalo na malaking halaga ang loan mo. Pano kung unexpectedly this year or in the coming years nag-plunge ang stock market "ulit" or worst pa nga negative ang end of year gains nya, edi at loses na investment mo at the same time baka madamay pa ang pagbayad mo ng loan mo sa bangko. Tapos ang supposedly na gains mo sa investment mo, na ipambabayad mo sana sa loan mo or ipandadagdag, naging bato pa kasi at a loss ka nga sa investment mo diba.

I project na tataas na ulit ang benchmark interest rate (decided by the BSP) natin in the near future, pero i believe not in the figures of "maybe 5%" and 6,7% or even close sa 8.5% na interest na binabayaran mo ngayon. Sobrang baba na kasi ng interest rate, all-time low, remember developing economy pa lang tayo hindi developed. Sa Indonesia nga alam ko mga 7% ang benchmark nila, halos parehas lang naman ang structure ng economy natin sa kanila, although mas malaki ang economy nila satin ng 3-4 times and medyo nagkaroon lang sila recently ng mga economic troubles.

Yung inflation rate rin natin tumataas, most especially caused by the recent calamities that we have and the cheap money from the FED are slowly depleting. Yun ang mga possible factors na pwedeng makita ng BSP to decide to increase the interest rate, if not this year, maybe by next. But maybe in small basis points lang siguro, to not shock the economy and ma-affect ang overall growth ng Pilipinas.

Kung mag-iinvest ka, doon ka kung saan may fixed interest rate/ kita sa investment mo, although mukhang walang nag-oofer ng malaking fixed interest rate ngayon, maski time deposit. Or kung mag-iinvest ka sa mga UITF, stocks, etc. dapat kaya mo pa rin makabawi kung malugi ka sa tamang oras na kailangan mo na ng pera, na pati salary mo i-consider mo kung kahit papaano kayang makabayad ng interest ng loan mo kahit hindi mo muna galawin yung investment mo.

Although sabihin na natin mag-iinvest ka nga sa mga ganon, pwede mo namang i-pullout (all or partially) yung money mo kung kailagan mo na. Just keep in mind the minimum holding period sa mga investments, particularly sa UITF/ Mutual funds. Pwede ka naman mag-pullout ng funds don earlier, pero may certain amount of charge nga lang sayo. Sa ETF and stocks wala namang minimum holding period......

Kahit ano mang papasukan mong investment, just make a calculated entry and exit palagi, maslalo na, ang payment ng loan mo rin ang at stake.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: agui on Mar 23, 2014, 07:58 PM
Please help po. Newbie here. Seaman po ako na gustong mag invest.
Currently I have life insurance of 1M in manulife.
Wala pa akong health insurance.
I have wife and 2 children.

1. San po magandang mag-invest? Target ko ay at least 5 years for my son's college education.
2. Ilang percent ba ng salary ko kailangan ko invest? (My salary is around 170k+/month for 6 months contract).
3. Ano magandang health insurance?
4. Wala pa akong ibang source of income maybe you can suggest some.

May savings account ako ngaun sa BDO.
SSS pa lng ang inaasahan ko ngaun sa retirement ko.

Please give me some advice. Thanks in advance.
By the way I am 34 years old now.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ranne on May 24, 2014, 11:34 AM
hi im a newbie in here. i have a friend who had long invested in stock market through metrosec. he later on introduce to me about uitf through metrobank with an initial investment of 25k . can i ask if when could be the  right timing to start investing in uitf as i am looking for a long term investment. i am a student and ive been earning extra income by lending money with an interest yet just like any other business sometimes ive got a hard time collecting them back again
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: oca1101uk on Jun 19, 2014, 06:00 AM
@ ranne try to read and understand UITF website which is www.uitf.com.ph

I'm trying to compare all the banks and securities, it seems that AB Capital is offering the highest yield if you want to invest in a long term basis

but mga Ka PMTers correct me if I am wrong.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jun 19, 2014, 08:03 AM
^past performance is no guarantee for future performance. I do not think any bank can offer to provide the highest yield. It is purely based on the performance of their fund managers compared to others. Who can make a guarantee that one fund manager is better than the other? My 2 cents.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: oca1101uk on Jun 19, 2014, 10:14 AM
^past performance is no guarantee for future performance. I do not think any bank can offer to provide the highest yield. It is purely based on the performance of their fund managers compared to others. Who can make a guarantee that one fund manager is better than the other? My 2 cents.

Thanks @ DonT, I honestly agree with you. Performance counts...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: zer0c0ol21 on Jun 19, 2014, 12:42 PM
Thanks @ DonT, I honestly agree with you. Performance counts...

performance counts where?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Jun 19, 2014, 03:30 PM
^Performance of the Fund Manager relative to the other Fund Managers.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Aug 01, 2014, 01:31 PM
hi guys ive been lurking for a week now and learned how to invest in uitf from different comments and websites suggested in this forum.. and today i just opened 2 equity products of BDO- sustainable dividend and focused equity....both looks promising from my standpoint :)

cheers

- from joshboz (ofw) of saudi arabia
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Aug 01, 2014, 02:51 PM
hi guys ive been lurking for a week now and learned how to invest in uitf from different comments and websites suggested in this forum.. and today i just opened 2 equity products of BDO- sustainable dividend and focused equity....both looks promising from my standpoint :)

cheers

- from joshboz (ofw) of saudi arabia

Why these two instead of the BDO equity?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: phreyesj23 on Aug 01, 2014, 04:47 PM
Please help po. Newbie here. Seaman po ako na gustong mag invest.
Currently I have life insurance of 1M in manulife.
Wala pa akong health insurance.
I have wife and 2 children.

1. San po magandang mag-invest? Target ko ay at least 5 years for my son's college education.
2. Ilang percent ba ng salary
ko kailangan ko invest? (My salary is around 170k+/month for 6 months contract).
3. Ano magandang health insurance?
4. Wala pa akong ibang source of income maybe you can suggest some.

May savings account ako ngaun sa BDO.
SSS pa lng ang inaasahan ko ngaun sa retirement ko.

Please give me some advice. Thanks in advance.
By the way I am 34 years old now.

Laki naman ng sahod mo Sir  :applause:

1. San po magandang mag-invest? Target ko ay at least 5 years for my son's college education.
** Since liquidity in five years ang target nyo, you can invest your money in (A) Time deposit with maturity of 5 years, (B) buy PERA at known banks, minimum I believe is 100K, (C) buy PAGIBIG BONDS almost same with PERA or (D) Mutual Funds or UITF (http://www.pisoandbeyond.com/2014/04/understanding-mutual-funds.html). Highest potential of return (NOT GUARANTEED) of course is with Mutual Funds or UITF, pero highest risk din 'to so there's no assurance na kikita ang pera nyo in 5 years, baka nga mag-negative pa kung masama ang market, depende kung sino papalit kay PNOY.  :hihi: PERA has the safest yet reasonable interest rate among the options I gave you since it's backed by our govt.

[2. Ilang percent ba ng salary ko kailangan ko invest? (My salary is around 170k+/month for 6 months contract).
** Eto basic computation sir, let's say ang tuition ngayon sa school na gusto nio para sa anak nio sa college ay 10,000 per year (maliit nalang para madali sa Math).  :harhar:

Each year, ang value ng pera natin is lumiliit dahil sa tinatawag na "inflation". (http://www.pisoandbeyond.com/2014/02/why-your-bank-savings-is-not-investment.html) Ito po yung pagtaas ng bilihin na wala makakapigil kaya ang halaga ng pera ay lumiliit. Ang average annual inflation rate naten sa pinas ay 4%-5%. Let's stick with 4% with your case. So to get how much you need in 5 years from now (2019), add lang naten ang 4% ng current tuition fee which is 10,000 kada taon para makasabay sa inflation:

-------------------------------------------------------------------------------------------------------------
Year    Your Money   4% adjustment due to inflation                  Needed Money
-------------------------------------------------------------------------------------------------------------
2014    10,000    400                                                              10,400
2015    10,400    416                                                             10,816
2016    10,816    432.64                                                       11,249
2017    11,249    449.94                                                       11,699
2018    11,699    467.94                                                       12,167
2019    12,167    486.66                                                       12,653
-------------------------------------------------------------------------------------------------------------

To make it simple, yung 2,653 po sa  12,653 ay ang halaga na *pwedeng* ibaba ng 10,000 nyo mula ngayon. Kaya para makasabay sa "inflation", kailangan kumita ang pera nyo ng 2653 din para pagdating ng taong 2019, 10,000 pa rin ang halaga na kayang bilhin ng 10,000 at hindi 7,347 na lang.  :watchuthink:

So yung magiging value after 5 years, idivide nio lang sa buwanang sahod nio (i.e. 120 months). Pero if you ask for a specific rule, you might want to try the 80-20 rule or 80% expenses at 20% savings or kung mabait po kayo 70-20-10 or 70% expenses 20% savings and 10% for God. The basic formula is to Save before you Spend or:

Salary - Savings = Expenses  (http://www.pisoandbeyond.com/2014/03/is-your-tax-bigger-than-your-savings.html)

instead of

Salary - Expenses = Savings  :hihi:

3. Ano magandang health insurance?
** tanungin po ninyo ang Manulife kung pwede ba kayo mag-add ng "rider" sa current insurance nyo ng "hospitalization" or "permanent disability" benefits. kung hindi, un ang hanapin nio. :cool2:

4. Wala pa akong ibang source of income maybe you can suggest some.
** Marami po, 'yung mag-open ng sariling business (http://www.pisoandbeyond.com/2014/02/why-your-concept-of-business-is-wrong.html) ska na siguro tutal nagwo-work pa kayo.  :hihi: I suggest you open Mutual Funds for your retirement, or find a good MLM company (http://www.pisoandbeyond.com/2014/03/is-network-marketing-business-scam.html) that you and your wife can do part-time.  :yoohoo:

Sana nakatulong po ako. Wala kasi sumagot sa inyo sa mga tanong nio  :hihi:


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Aug 03, 2014, 05:11 AM
Why these two instead of the BDO equity?

i just feel good vibes on them :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 03, 2014, 07:58 AM
@phreyes, is PERA even available yet? I believe the drafting of the IRR
hit a snag and its been in limbo ever since.

@joshboz, so basically you're investing emotionally as opposed to
rationally. I hope that works out for you. :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Aug 03, 2014, 09:07 AM
^yup, is there more info on PERA?

@joshboz, hope you had your good vibes after evaluating the difference of the funds and understanding that the particular fund will serve your purpose or goal.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Aug 05, 2014, 05:09 AM
hi experts and profs in uitf just want to ask if you one very basic  question? :dunno:

if you go and buy a new uitf fund today 8/5/2014 BEFORE the given cut down time what would be the prevailing price of each NAVPU? is it the price from yesterday that was the most recently posted online ex. as of 8/4/2014 yesterday? or the one which is to be determine  today until the cut off time and will be posted online on the next day 8/6/2014?

i hope my question is clear..  :imsorry:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Terzaghi on Aug 05, 2014, 07:50 AM
hi experts and profs in uitf just want to ask if you one very basic  question? :dunno:

if you go and buy a new uitf fund today 8/5/2014 BEFORE the given cut down time what would be the prevailing price of each NAVPU? is it the price from yesterday that was the most recently posted online ex. as of 8/4/2014 yesterday? or the one which is to be determine  today until the cut off time and will be posted online on the next day 8/6/2014?

i hope my question is clear..  :imsorry:

im not an expert but as far as I know, if you order before the cut-off time (different from the market close), the price you'll get would be the closing price (NAVPU) today (Aug 5). but if you posted your order beyond their cut-off time, then the price you'll get would be the closing price on next day.
im not sure how strict they are with the orders posted beyond the cut-off time because there was an instance before that I placed my order just a few minutes past the cut-off time and my order was still done for that day.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Aug 05, 2014, 11:02 AM
^Yes thats correct. the NAV you get is always which comes later. You can never know what the NAV is when you are buying. Same goes with selling.

I don't know how someone could be able to post after cut-off, pero normally they close 30 to 15mins before cutoff...kasi aayusin pa nila yung papers. Sa mga branches na malayo or hindi sanay sa mga placements, they ask an hour or 2 pa nga.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 05, 2014, 02:16 PM
Yep, you will never know the NAVPU you are going to get beforehand.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Terzaghi on Aug 05, 2014, 06:06 PM
^Yes thats correct. the NAV you get is always which comes later. You can never know what the NAV is when you are buying. Same goes with selling.

I don't know how someone could be able to post after cut-off, pero normally they close 30 to 15mins before cutoff...kasi aayusin pa nila yung papers. Sa mga branches na malayo or hindi sanay sa mga placements, they ask an hour or 2 pa nga.

possible boss DonT thru online subscription. im just not sure for OTC subscription.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 05, 2014, 10:45 PM
^
Really? Can you share how?

The equity funds with the latest cut off I know of are BPI funds
with a 230PM cut off and that is still before the end of trading.

I don't see how you can know what the NAV is when trading
hasn't even ended yet.

Although you can GUESS if the NAV will go up or down based
on the current PSEi price.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Aug 06, 2014, 07:51 AM
@mxherr5, so you can still make a booking or placement for UITF at 2pm at BPI?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Aug 06, 2014, 08:39 AM
According to their website, yes you can. But I haven't tried it yet.
The latest I tried was 130PM
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Aug 06, 2014, 09:30 AM
@mxherr5, so you can still make a booking or placement for UITF at 2pm at BPI?

Yes, i tried to book even at 2:26pm...ok naman book the same day
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: DonT on Aug 06, 2014, 12:05 PM
^Good info guys. thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: poorguy on Sep 16, 2014, 05:42 PM
i dont know if you guys knows this website www.uitf.com.ph u can check the history of every bank's mutual funds/equities, also includes calculator to somehow give u an idea how much your investment have gained so far.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Sep 16, 2014, 06:53 PM
uitf.com para sa uitf funds yan.

pifa.com sa mutual funds
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: maine_019 on Sep 20, 2014, 10:24 PM
Hi Guys,

I would just like to ask if anyone have a BDO sustainable fund. I am interested kasi to open an account for this UITF.

1. Will BDO provide dividends to the investors?
2. Pwede kaya mag open ng UITF even without savings account? If yes, please advise kung kelan sya mgrereflect sa account upon deposit.
3. Once account is funded, automatic ba na mabubuy ung units o floating lang yung money until i buy for units.

Thank you.

Appreciate your feedbacks.

Maine
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Sep 26, 2014, 02:30 AM
i pm my feedback :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: hanson15 on Sep 29, 2014, 11:01 AM
plan to buy security bank uitf any inputs?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Oct 14, 2014, 01:05 AM
I don't usually do cost averaging on my UITF. I invest only when I have money. (wala masyadong bala kaya hindi regular) To the masters out there, I have a question:

Since I do not invest regularly, there are times that I took orders when the Navpu is higher. (minsan kinabukasan pagkaplace ng order biglang bumaba ang Navpu kaya nakakahinayang kasi wrong timing, sana ipinagpabukas nalang)

Q:
1. Should I, before investing, consult the PSE analysis/tips/forcasts? (especially the stocks that the particular UITF are invested in?)
2. Should I hold my money to be invested and wait for a good timing? (one week? one month?)
3. Or should I dismiss this idea and just place any day?

Note: Long term po at walang pull-out until retirement. Wala po akong stocks port kasi di masyadong marunong at di regular ang perang pang invest.
Thanks sa mga magbibigay ng advice.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Oct 14, 2014, 10:20 AM
I don't usually do cost averaging on my UITF. I invest only when I have money. (wala masyadong bala kaya hindi regular) To the masters out there, I have a question:

Since I do not invest regularly, there are times that I took orders when the Navpu is higher. (minsan kinabukasan pagkaplace ng order biglang bumaba ang Navpu kaya nakakahinayang kasi wrong timing, sana ipinagpabukas nalang)

Q:
1. Should I, before investing, consult the PSE analysis/tips/forcasts? (especially the stocks that the particular UITF are invested in?)
2. Should I hold my money to be invested and wait for a good timing? (one week? one month?)
3. Or should I dismiss this idea and just place any day?

Note: Long term po at walang pull-out until retirement. Wala po akong stocks port kasi di masyadong marunong at di regular ang perang pang invest.
Thanks sa mga magbibigay ng advice.

First of all, if you're a long term investor, then any day should do.  All these analysts and forecasters will just let you hear what you want to hear. 

Me, personally, I just pay attention to the projections at the START of the year.  Like this year, estimate is about 7,300.  And so, if it goes lower than this, I buy.  If it goes way higher, I sell.  So, I get to sell at a high, before a correction.

Like recently, I got to sell at 7300+, probably 95% of my equity uitf's.  Then I've waited a few weeks, sitting on cash.  Now, I'm buying at every dip!

Kanya kanya yan, pero honestly, I'm too bobo for individual equities. 
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Oct 14, 2014, 01:17 PM
@richpulubi
Yearly lang po talaga na forecasts? Sell at a high tapos ibalik unti-unti kapag mababa? Taking into consideration the entry and exit fees, diba po parang naka-cancel out din yung gains?
Pasensya napo kasi walang alam. Try kolang sana pagkakitaan yung uitf ko. Parang mahirap din pala. Anyway, I'll take into consideration buying when it is low, and sitting on my cash when it's high. Thank you po. :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: richpulubi on Oct 14, 2014, 01:49 PM
@richpulubi
Yearly lang po talaga na forecasts? Sell at a high tapos ibalik unti-unti kapag mababa? Taking into consideration the entry and exit fees, diba po parang naka-cancel out din yung gains?
Pasensya napo kasi walang alam. Try kolang sana pagkakitaan yung uitf ko. Parang mahirap din pala. Anyway, I'll take into consideration buying when it is low, and sitting on my cash when it's high. Thank you po. :thankyou:

Yup, from my experience, the best forecasts are at the beginning of the year.  Usually, lalampasan ng psei ito midyear, tapos babagsak...like now.  Usually, when the yearly target is reached, analysts will give a HIGHER target for the year...but chances are, they'll be wrong.  Parang they get emotional when the value goes up or down.

Now, I'm buying again...but I'm prepared to keep it there for years if I'm wrong.  Nevertheless, even with fees, I always make money.

And so, I don't be greedy.  Buy a little at a time, then sell when the target for the year is reached. 

Again, I'm not a long term investor when it comes to equities...but if you want to invest for years, just buy anytime.   Don't try to read the market.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Oct 14, 2014, 04:16 PM
Will give it a shot...next year... thanks a lot. :thankyou: :thankyou: :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Oct 18, 2014, 01:52 PM
maganda sa uitf mostly walang entry and exit fee unlike mf.. hehehe kanya kanyang diskartebawat investor..2 important things to consider 1. magaling ka pumili ng "MGA" fund managers base sa performance 2. alam mo ang timing sa pagpasok at exit dito :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: keisroa on Dec 22, 2014, 02:37 PM
any idea po sa uitf ng security bank>>>??? i just opened recently sa peso equity.... :) wala po ko makita reviews dito re: secb>>?? any insight
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on Dec 22, 2014, 04:53 PM
keisroa, did you happen to invest in Security Bank's Peso Equity Fund mainly because they had excellent performance year-to-date?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Jan 08, 2015, 02:23 PM
just trust them..sb high diviend equity fund and sb peso equity fund is the best performing fund out there. try and see for yourself :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Jan 11, 2015, 01:19 AM
Please keep this thread alive for reference ng mga tulad ko at iba pang nais na matuto ng mas marami.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: LiveLoveInvest on Jan 15, 2015, 09:10 AM
In choosing a pooled fund investment like mf/uitf, I would go for the one with better returns, consistency, track record and it's ability to act when our stock market is on a bearish state :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 15, 2015, 09:46 AM
^Checkout Security bank equity fund. Last years best performer, 48% if im not mistaken.

I dont know if they can be consistent though. BPI High conviction fund used to be the best, now its the worst. UBP equity fund, i cant remember which year , naging top performer din, but now mediocre at best.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: LiveLoveInvest on Jan 15, 2015, 01:50 PM
^Checkout Security bank equity fund. Last years best performer, 48% if im not mistaken.

I dont know if they can be consistent though. BPI High conviction fund used to be the best, now its the worst. UBP equity fund, i cant remember which year , naging top performer din, but now mediocre at best.

There's a saying nga diba na "everyone is a genius in a bull market"  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 15, 2015, 02:49 PM
There's a saying nga diba na "everyone is a genius in a bull market"  :D

Ya, but there are exceptions. Odyssey high conviction is mentally ill even in a bull market. I have a huge huge huge 10k placement  so I know...lol

And last year even everyone is genius, security bank isthe einstein. Haha
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bilagan2004 on Jan 15, 2015, 03:01 PM
Ya, but there are exceptions. Odyssey high conviction is mentally ill even in a bull market. I have a huge huge huge 10k placement  so I know...lol

And last year even everyone is genius, security bank isthe einstein. Haha

Boss GS ano nga ba ang nangyari sa BPI odyssey funds, puro kulelat na ngaun kahit bull times, kulelat pa rin. Before I heard, their funds are the top performers. Buti na pull-out ko agad ang investment ko s knila coz of charges, kungdi mas malaki pa nalugi ko as of now.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 15, 2015, 03:31 PM
Boss GS ano nga ba ang nangyari sa BPI odyssey funds, puro kulelat na ngaun kahit bull times, kulelat pa rin. Before I heard, their funds are the top performers. Buti na pull-out ko agad ang investment ko s knila coz of charges, kungdi mas malaki pa nalugi ko as of now.

I know right? I heard may anomaly dun sa fund manager nila. Di ko alam if thats the reason of their fund performance malfunction. Post ko yun link whwn i find it...
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yanggaw014 on Jan 16, 2015, 03:17 AM
Hello, Im a newbie here. I have a UITF in BDO and hopefully maging successful ang first investment ko.  :D
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 16, 2015, 05:45 AM
^Checkout Security bank equity fund. Last years best performer, 48% if im not mistaken.

I dont know if they can be consistent though. BPI High conviction fund used to be the best, now its the worst. UBP equity fund, i cant remember which year , naging top performer din, but now mediocre at best.



SECB? Really? Baka beginner's luck lang GS? As in 1 yr.old lang yung fund at tumama sa bull market? I'm flirting with the idea of converting religion tuloy  :D MF to UITF for 2015  :watchuthink:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 16, 2015, 09:23 AM
SECB? Really? Baka beginner's luck lang GS? As in 1 yr.old lang yung fund at tumama sa bull market? I'm flirting with the idea of converting religion tuloy  :D MF to UITF for 2015  :watchuthink:

Welcome back freefront! I missed your alien english!!! Its a compliment :)

Oonga e, kaya its really hard to pick who will perform well, ika nga past performance doesnot guarantee future performance. Ok yun shift ng "religion" mo, baka magka enlightenment ka lalo. I think the good thing with your shift is as always, sa UITF, yun sales load wala na, and more convenient for you pag the "church" ( branch of bank of your uitf choice)  is nearer to you  :) Buti na lang you dont plan to forsake completely and thinking no good fruit will return, and to not invest at all!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 18, 2015, 12:51 AM
^Rumor has it my MF was hit with an analyst's choice of CPG. Thus, the less than 2% return in 2013. Probably another lackluster performance for 2014( i haven't seen the report yet). It's nasty to just sit it out. There is no change in personnel either.

As for forsaking the exercise, well, as usual, nothing wrong with the concept. It's da people, is all. Parang failed relationship din yan  ;) Be grateful for the good parts. Render the bad parts for the life lessons. Being in the freezer is not an option  :hihi:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: alacrity on Jan 18, 2015, 01:59 PM
Guys, it may come as a surprise to you but in the long run, Exchange Traded Funds are better.

Tignan ninyo yung mga quarterly performance letters na pinapadala ng UITF's ninyo, hanapin niyo lang yung phrase na worded something like this "Past performance are not guarantees of future returns". Disclaimer nila yan para hindi sila mademanda dahl -2% ang performance nila this year pero last year nag 37%.

Ang titignan ninyo na UITF's or MF's ay yung fees nila, i-total ninyo lahat ng percentage fees, pag umabot to ng lagpas or equal to 2.0 -2.5% per annum e tumakbo ka na. Hindi nagsisinungaling ang mga studies na nagpapakita na 2/3 or MF's at UITF's ay hindi natatalo ang Index.

Ngayon nga 29% ang return from ETF's walang fees yun. Isipin mo kung parang Philequity yung fund mo pag less than P 5,000 e 3.5% ang kaltas agad sa returns mo. E kung 10 years? Tapos yearly ka maghulog ng P5,000 e di 35%! Hindi ninyo ito maririning sa mga nagbebenta ng MF's. Ang consensus ng mga academics ngayon ay negligible ang "skill" factor sa pagpili ng stocks, and all the while yun ang dahilan kung bakit ka nasa MF or UITF, for the so called skill of the "professional" stock pickers over us amateur investors.

I have to admit na meron pa rin ako individual stock picks pero unti unti nang lumalaki yung ETF port ko.

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 18, 2015, 03:44 PM
^ Ang tanong: may core holding at trading account ba yang ETF mo  :D alac, 1 yr. old na pala ETF. Mag-isa pa rin ang FMETF hanggang ngayon di ba?

To revisit:

http://www.pinoymoneytalk.com/forum/index.php?topic=45652.15

It is a closed fund so the price appreciation will depend upon demand from investors. Right?

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 18, 2015, 04:05 PM
@alacrity, thanks! May I know which etf ka meron? Under which bank? Hindi siya under ng uitf product?

@ff, fmetf is first metro etf?

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 18, 2015, 04:20 PM
^Yep. I  searched PSE site and it's still the only one. Matignan nga ang chart nyan kung mas mahinahon hehehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: alacrity on Jan 18, 2015, 06:30 PM
@freefront

I've read their prospectus way back 2013. I don't think First Metro, which is under Metrobank will gamble with its name and take us (ETF buyers) on that slippery slope of selling something they don't have. Of course I can't prove they REALLY have it, but I think the chances they will screw us for such small peanuts is slim. Mag-isa pa rin pero meron din gumagaya gaya ng BPI's PSE Index Fund which is not a true Index Fund in the first place.

@GoodSteward

No prob, sa FMETF nga ako, kasi so far yun lang talaga ang totoong stock index fund/ETF dito sa Pilipinas. Yung sa BPI PSE "Index Fund" kasi ang laki ng fees parang usual na UITF nasa 1.5% ata, if I recall correctly. Which is against the concept of owning an ETF in the first place kasi nga kaya natatalo ng ETF ang MF at UITF dahil sa fees ng MF at UITF.

You would think that 1.5% per annum is very small to pay for "skill" pero pag susumahin mo, yung ETF 29% returns ngayon kahit walang active manager, and isa pa ilang MF at UITF ba ang may 29% returns?

 May mga nakita ako naka 30% sila pero dapat minus fees pa rin yun, so kung naka 30% ka, minues 1.5% is 28%, so talo ka pa rin!

Anyway matagal ko na kasi nabasa yung ETF's/Index Fund, bago sa atin pero sa US alam na alam na nila gamitin yan, pwede mo nga rin yan gamitin sa arbitrage kapag nagkaroon na ng short selling sa PSE.

If you want to compare ETF's to MF's/UITF's I suggest you get John C. Bogle's book, he was the one responsible for creating the Vanguard index Fund in the US, his book is called "Bogle on Mutual Funds: New Perspectives for the Intelligent Investor".
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: LiveLoveInvest on Jan 18, 2015, 07:28 PM
How about Security Bank's equity uitf? I think nasa 48% ang ytd niya last 2014. How do you compare it with ETF?

That 19% difference is something to consider :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 18, 2015, 08:38 PM
@freefront

I've read their prospectus way back 2013. I don't think First Metro, which is under Metrobank will gamble with its name and take us (ETF buyers) on that slippery slope of selling something they don't have. Of course I can't prove they REALLY have it, but I think the chances they will screw us for such small peanuts is slim. Mag-isa pa rin pero meron din gumagaya gaya ng BPI's PSE Index Fund which is not a true Index Fund in the first place.

My bad  :(  I was thinking about a few members on this site who handle their ports in a mixed style. GS was in here and I remembered he posted in the Stocks section his core holdings and his trading account< presumably so he can play tsupitero once in a while. So if I go ETF, I'll probably play it that way, too, being that it is traded online and as you say, fees don't matter much.  Which means, this is not the account to be enrolled in PERA because of pre-termination penalties, blah blah blah.....

I guess I was asking in a roundabout way, being that you're the one who jumped in early, if you have been familiarized with ETF enough to say---yes you can trade ETF for profit, as opposed to holding it up to retirement.
* na brown-out yung original post ko kaya maiksi na lang yung na-post sa una. something is telling me something yata






Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: alacrity on Jan 18, 2015, 09:10 PM
@freefront

Of course you can trade them for profit, but like all speculation the chance of failing is high as the day to day price action of the market is unpredictable. However, I have a friend who did just that, albeit on a monthly timetable rather than day to day. It was back in 2014 when the ETF just came out. Instead of going up from the offering price of 100, it went down to 97, my friend bought at 97 and after some months sold at 115.

I guess in that way he was trading for quick profits, but really, it's hard to profit on a daily basis or even monthly basis, because more transactions mean more costs which is defeating the purpose of ETF's. If you really want big money, then it's better to wait for short selling to be allowed, that's IF you know how to play that game without ending up broke and shirtless because shorting is really dangerous i.e. unlimited losses. But hey whatever floats your boat, I don't judge.

And with regards to your question about investor demand dictating the price, yes it can happen but seeing as the market is efficient as it is, the price will eventually go down towards the real value.

On PERA enrollment, yes you are correct, the fees in here are negligible in the long run because you will only spend transaction costs which is 1% or even less? Certainly lower than any MF/UITF. So enrolling it in PERA won't do it much good.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 21, 2015, 09:14 AM
http://www.abs-cbnnews.com/video/business/01/20/15/sb-equity-funds-stock-picks-2015

kabit im thor. hehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: freefront on Jan 21, 2015, 10:48 PM
@freefront

I guess in that way he was trading for quick profits, but really, it's hard to profit on a daily basis or even monthly basis, because more transactions mean more costs which is defeating the purpose of ETF's. If you really want big money, then it's better to wait for short selling to be allowed, that's IF you know how to play that game without ending up broke and shirtless because shorting is really dangerous i.e. unlimited losses. But hey whatever floats your boat, I don't judge.

I'm a small time participant and short selling is not my kind type insanity. I might simultaneously post a low bid and high ask price on GTC on the same stock, both covered by my own shares and funds available because that's all my "skills" will allow me  :hihi:
Quote
And with regards to your question about investor demand dictating the price, yes it can happen but seeing as the market is efficient as it is, the price will eventually go down towards the real value.

In a scenario where the trend of the market is already priced in, and nobody is selling because it makes sense to be in there, dangling a higher bid price can tempt a human being to sell for a bit of practicing the " a bird in hand is better than the one in the bushes"  :D Take a 5 peso profit in 3 months or get rich in 30 years ( if that account is for retirement). Put back the proceeds of the sale ( the mother shares plus the earnings) when it's reasonable to do so, while putting in fresh funds-> if you are practicing PCA. We all know there will be corrections.

^It's my POV, born out of exploring the world outside of PMT and leaning towards the conclusion that the PSE is too jockeyed and corruption of all sorts is just crapping up the place.

Quote
On PERA enrollment, yes you are correct, the fees in here are negligible in the long run because you will only spend transaction costs which is 1% or even less? Certainly lower than any MF/UITF. So enrolling it in PERA won't do it much good.

Out of the question to trade it if it is enrolled in PERA. Too many paperwork, fees- not to mention the penalty clause because of the tax credit going in. But, if you are going to do Bo's Jack en Jill style, enrolling an ETF account in PERA makes sense. * February 2015- available na according to press release
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bajoyjoy on Jan 22, 2015, 12:40 PM
How about Security Bank's equity uitf? I think nasa 48% ang ytd niya last 2014. How do you compare it with ETF?

That 19% difference is something to consider :)

48%!!! My gosh, SECB is really making a name as a trader bank (and it seems SECB's stock price is reflective of this performance)! Sa wealth sec (philequity) sana ako papasok this year, but with this info, I got interested with SB fund bigla... thanks for the info!


Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bajoyjoy on Jan 22, 2015, 12:49 PM


wait lang... SECB had several underwriting of IPOs last year diba? Parang yung X and another one? Is that where they scooped up that +48% performance?

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 22, 2015, 01:05 PM

wait lang... SECB had several underwriting of IPOs last year diba? Parang yung X and another one? Is that where they scooped up that +48% performance?



They "bet" on NIKL, DNL daw and it is part of their grat returns accordingto the interview on ANC.

Im not from SB ha. But I found out there banking system is so convenient. You can move UITF funds and savings online!

From uitf  money market fund, to euity fund  to savings to any uitf funds at no cost.

Minimum holding period is 7 days for all types of funds (if i remember right).

Redeeming equity funds to savings is only one day. Unlike BDO (7days!)

UITF in security bank, no more certificates, online lahat. If youre computer illeterate, you can just call your branch and they will do the transferring for you.

Manager is a friend, so naexplain sa akin ng maayos...hehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: pilyong_husband on Jan 22, 2015, 02:49 PM
Hmnn..

I sent an inquiry to open UITF to SECB but no reply at all. suplado ata Trust Marketing nila :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: alacrity on Jan 22, 2015, 05:37 PM
@GoodSteward

Same with BPI Express Online, although it would take around 1-2 days to get hold of your money.

But how's the system of SECB? Have you ever had unscheduled down times? Do they ever close the sit for maintenance?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 22, 2015, 09:41 PM
@GoodSteward

Same with BPI Express Online, although it would take around 1-2 days to get hold of your money.

But how's the system of SECB? Have you ever had unscheduled down times? Do they ever close the sit for maintenance?

i just opened an account this past tuesday, so will have to observe still :)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: mxherr5 on Jan 23, 2015, 12:03 AM
@alacrity,

I've had an account with SECB since July last year.
No downtime yet but I only log in once or twice a month
compared to BPI where I log in more frequently.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Jan 26, 2015, 05:01 PM
Bakit ang layo ng difference ng performance ng Security Bank sa Peso Equity compared sa iba?

Does that mean magsisimula na ang downtrend niya this year?

Should I redeem everything now and sit on cash waiting na tumaas ulit siya?

Sa mga masters, please help po. tanong lang.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: GoodSteward on Jan 26, 2015, 07:18 PM
^^ equity funds - they pick their stock choices from PSEI. It so happened their stock choices performed great.

We dont know how well their portfolio will perform this year. If you trust their fund manager, then just hold or add.

Pero kung super bagsak buong mercado (psei), most likely bagask din performance ng local equity funds. at this point, paliitan na ng lugi ang mga fund managers. Hehe
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Jan 26, 2015, 07:27 PM
Sa ngayon generally upward parin naman siya in 0.01 daily nav increments. I was just thinking baka bukas makalawa biglang bumaba. lalo na ngayong may tension na naman sa Mindanao. May pang-dagdag ako maliit pero nagiisip muna kung dagdag ko ba or maghintay pa ng kaunti. Still not making a decision.  :thankyou: :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: joshboz on Jan 27, 2015, 11:54 PM
kung down ang nikl down si sb securities ganun lang un...hihihi anyway i still have faith with security bank uitf until dey change the fund manager or end of da bull run hihihihi.cheers
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Jan 28, 2015, 12:11 AM
Alam ko dalawang locations ng Nikl nasa Mindanao kasi. Tapos sabay pa yang tension sa Bangsamoro Basic Law. If events go awry baka maapektuhan ang logistics kaya medyo worried din.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: rodeo on Feb 03, 2015, 01:34 PM
PSE is down for two consecutive days, tomorrow is the good entry to buy Equity Fund UITF from the banks, better if the market is still down tomorrow, getting a much lower NAVpu....
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: sephjo on Mar 29, 2015, 12:55 AM
Mga sir/mam isang poko seafarer, nagstart napo ko mag invest sa UITF Equity, tanong kolang po kung wala ba talagang form para po indicate kung sino yung beneficiary ko at paano nila maclaim ung investment ko incase may mangyare hindi inaasahan tulad ng pagkamatay. Nagtanong po kasi ako dun sa bank ng pinagapplyan ko ng UITF pero wala naman po nasagot at sabe lang na marame daw iprocess kung sakale mangyare iyon.

Wala po malinaw na kasagutan, at ngaun po mejo nagaalala ako. Paano poba ang sistema kung halimbawa mademise ung investor/ trustor magiging subject hoba iyon sa estate tax at maho-hold ng Philippine Government? Ano po ang kelangan gawin ng aking beneficiary ano po ung mga steps? Kung subject po iyon sa estate tax halimbawa nasa P5 mil napo ang total investment amount nasa magkano po ang estate tax na kelangan bayaran ng isang beneficiary?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Jayumaster on Mar 29, 2015, 08:27 AM
500k - 1M
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Sheikmaktoum on Mar 29, 2015, 11:06 AM
Mga sir/mam isang poko seafarer, nagstart napo ko mag invest sa UITF Equity, tanong kolang po kung wala ba talagang form para po indicate kung sino yung beneficiary ko at paano nila maclaim ung investment ko incase may mangyare hindi inaasahan tulad ng pagkamatay. Nagtanong po kasi ako dun sa bank ng pinagapplyan ko ng UITF pero wala naman po nasagot at sabe lang na marame daw iprocess kung sakale mangyare iyon.

Wala po malinaw na kasagutan, at ngaun po mejo nagaalala ako. Paano poba ang sistema kung halimbawa mademise ung investor/ trustor magiging subject hoba iyon sa estate tax at maho-hold ng Philippine Government? Ano po ang kelangan gawin ng aking beneficiary ano po ung mga steps? Kung subject po iyon sa estate tax halimbawa nasa P5 mil napo ang total investment amount nasa magkano po ang estate tax na kelangan bayaran ng isang beneficiary?

^^ Incase makukuha naman yan Sir. long process nga lang. What I did is "and" "or" with your wife ;)
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: djBern on Apr 14, 2015, 08:41 PM
Hello all,

I am a Filipino Canadian and I have a bank account with BPI. I want to open a UITF but was just wondering if I will be taxed on any gains/income?

Does anybody know?

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ultimate on Apr 15, 2015, 03:37 AM
According to CRA  (http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/cmpltng/rprtng-ncm/lns101-170/121/frgn-eng.html).  I don't declare mine as it is not substantial.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: djBern on Apr 16, 2015, 08:46 PM
According to CRA  (http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/ncm-tx/rtrn/cmpltng/rprtng-ncm/lns101-170/121/frgn-eng.html).  I don't declare mine as it is not substantial.

Thanks for the link.

What about the Philippines side? If I'm not a Filipino Citizen then I guess I don't need to declare? Or will the bank automatically withhold taxes for the government?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on May 04, 2015, 02:50 AM
^^ Incase makukuha naman yan Sir. long process nga lang. What I did is "and" "or" with your wife ;)

If I remember correctly, in any joint account whether "AND" or "OR", the surviving partners are obligated by law to declare the death of the other partner. Please check.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: amboy65 on Jul 14, 2015, 03:42 PM
Question lang po,
1.) Example may 1000 units investment ako sa UITF nung 2014, will it remain 1000 units in 2020 kahit nag up and down ang NAVPU
2.) Ang fees ba is deducted bago ipost ang NAVPU (daily )or annual?
         
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Jul 15, 2015, 03:18 AM
Question lang po,
1.) Example may 1000 units investment ako sa UITF nung 2014, will it remain 1000 units in 2020 kahit nag up and down ang NAVPU
2.) Ang fees ba is deducted bago ipost ang NAVPU (daily )or annual?
         

Answers:
1. The number of units is constant regardless of the NAVPU.
2. Yes and daily.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: amboy65 on Jul 15, 2015, 01:52 PM
thanks sa reply,
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on Jul 16, 2015, 11:52 AM
BDO has a new UITF called BDO Equity Index Fund.  Trust Fee is only 1%, launched Jul 10, 2015...Trust Fee is lower as compared to BPI Phil Equity Index Fund.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Jul 16, 2015, 06:10 PM
Sir, available na ba to sa mga provincial branches?

Meron din kc sila BDO INSTITUTIONAL RESERVE CASH RESERVE FUND pero sabi ng branch manager, di pa available sa branch.

Pwede naman daw ito sa individual investors.

Any ideas?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: povillo on Aug 03, 2015, 05:09 PM
Invested in PNB High Dividend Fund last April from a NAV of 1.55 now at 1.47, Any advise if need to transfer my investment to other banks? Also im aware that Security Bank UITF is far from its performance as compared to last year. How about BPI? TIA.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: kobabear on Aug 03, 2015, 08:42 PM
Most of the funds are on the downward bias in the short term plus you entered during the peak. A lot is happening currently like Greece, Commodities, China and the FEDrus .Transferring to other Equity UITF will not improve your position now but you MIGHT be better in the long term.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bestfarmtreats on Aug 25, 2015, 10:32 AM
Hi to all UITF investors. I'm new to investing and I'm looking at UITF to start my journey. Would it be wise to invest a huge amount of money (i.e. 100,000) right now since the market is down? Thanks!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: TulogSaPancitan on Aug 25, 2015, 04:02 PM
Hi to all UITF investors. I'm new to investing and I'm looking at UITF to start my journey. Would it be wise to invest a huge amount of money (i.e. 100,000) right now since the market is down? Thanks!

if ur uitf is equity linked it is usually a good time to enter if market is down. but then again if ur doing cost averaging, anytime is a good time. if i may suggest, split ur 100k into 3 or 4 and buy in the succeeding months. we don’t know yet if the low yesterday is the bottom.

ciao!
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wilch23 on Aug 26, 2015, 05:18 PM
Hi to all UITF investors. I'm new to investing and I'm looking at UITF to start my journey. Would it be wise to invest a huge amount of money (i.e. 100,000) right now since the market is down? Thanks!

If you are below 30 yrs old, don't need this money for at least 10 years, can afford to lose 100,000.00, then YES, THIS IS A GOOD TIME to get an equity linked UITF
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: bestfarmtreats on Aug 27, 2015, 11:50 AM
Thanks for your feedback! :thankyou:
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenofstructures on Oct 16, 2015, 06:22 PM
bakit ang BDO guys kung magadvice about UITF parang ayaw kang maginvest. Buti pa sa BPI at Security Bank maganda magpaliwanag mga tao nila. Pero ung paliwanag na may pros and cons hindi puro magaganda lang
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: povillo on Feb 03, 2016, 06:17 PM
Any update about current UITFs. Any forecast for it  now all are in the negative's
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jmces on Feb 04, 2016, 09:45 AM
uitf info are here http://www.uitf.com.ph/

please do not believe in forecast, ask a so called guru and a monkey and the probabilty of each one being correct is just the same.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wilch23 on Apr 03, 2016, 05:26 PM
uitf info are here http://www.uitf.com.ph/

please do not believe in forecast, ask a so called guru and a monkey and the probabilty of each one being correct is just the same.

Naturalmente, an investor is interested in what WILL HAPPEN in the FUTURE.
That link is history, ergo of little use as well, tama ba?
So sayeth this monkey.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: ghanie on May 25, 2016, 09:58 PM
if ur uitf is equity linked it is usually a good time to enter if market is down. but then again if ur doing cost averaging, anytime is a good time. if i may suggest, split ur 100k into 3 or 4 and buy in the succeeding months. we don’t know yet if the low yesterday is the bottom.

ciao!

Mas okay ba split and buy from different banks or isang bank lang and different UITFs?
I just redeemed my bond fund and planning to get another equity fund sana.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: yagami_kira on May 25, 2016, 10:30 PM
If you intend to split and buy from different banks, then better just buy the most low-cost index fund you can find. BDO Equity index fund with 1% trust fee per year is the lowest among UITF equity index funds in the country.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenofstructures on May 26, 2016, 07:27 AM
Mas okay ba split and buy from different banks or isang bank lang and different UITFs?
I just redeemed my bond fund and planning to get another equity fund sana.

Depende yan sayo kung kaya mo bantayan ang maraming account. I think merong member ditto sa PMT na maraming uitf in various banks dahil kaya nya (si GS ata yun). May mga taon kasi na ok ang secb, minsan BPI o kaya BDO

Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: switchiz on May 27, 2016, 09:59 PM
I have UITF accounts with various banks. I, for the most part, have stopped contributing to some. I now only subscribe to low cost equity Index funds.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: palailai on May 28, 2016, 08:46 AM
management fee of index funds in R.P. is the same with actively managed funds...dapat mas lower pa ang Mngt Fee kasi passively managed ang  funds..
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wilch23 on May 28, 2016, 01:31 PM
Anyone tried the Philequity funds?
Highly rated ata dba?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: switchiz on May 29, 2016, 09:37 PM
Meron akong PhilEquity Funds pero hindi muna ko naglalagay sa kanya. Nagtry ako ng PhilEquity PSE Index Fund nila.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: Ryex321 on Dec 31, 2016, 03:39 AM
good morning! Im new here, Gusto ko lang sana matuto mag invest at nabasa ko ung sa bpi or sa bdo equity? magkano kaya start neto para makapag invest ako. let say mag invest ako 20k for how long? sorry wala ako masyado pa knowledge . ngbabasa basa palang ako. suggest naman po.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jesa on May 06, 2017, 11:40 AM
paano po ba magregister sa uitf bago lang po ako salamat
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: stanelope on May 07, 2017, 03:35 PM
Kakainvest ko Lang sa uitf BDO peso balanced fund. Ang shared unit ko is 2.599 ung invested amount ko 10000 nung may5,2017.
Holding period nya is 30 days ibig ba sabihin nito dapat di ko sya galawin or redeem kahit tumaas ung psei or navpu. Masyadong mataas psei ung pagkakainvest ko.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenofstructures on May 08, 2017, 08:16 AM
paano po ba magregister sa uitf bago lang po ako salamat


Go to your bank and enroll your account sa uitf. Dapat alam mo kung ano yung gusto mong uitf. Research, reasearch, research. Because, kapag pumunta sa bangko at nagtanong ka ukol sa uitf, most of the time sasabihin nilang di maganda maginvest don tapos magooffer sila ng bago nilang investment product.
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: wilch23 on May 08, 2017, 12:51 PM
Ganon na ba ang bangko ngayon? ahhaha
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenofstructures on May 08, 2017, 01:05 PM
^^^^ oo lalo na yung humahanap ng daan. Sasabihin wag ka maginvest jan, may bago kaming investment product mas maganda, makita mo insurance
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: icgb on Mar 19, 2018, 04:21 PM
im kind of overwhelmed sa topics about investing. I spend most of my time self educating with this topic... right now im doing my research about uitf, maybe what im asking is.. once u started investing do u just wait whether mag gain or loss? or does it work like in trading where you buy and sell stocks?
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: jenofstructures on Mar 20, 2018, 07:13 AM
when it comes to uitf, i just put it there. Bahala na fund manager sa kanya. Though konti lang kasi nakalagay don
Title: Re: UITFs (Unit Investment Trust Funds) - Part 2
Post by: leonine_zafiro on Apr 01, 2019, 10:25 PM
depende, yung MF purely investment, while VUL have insurance. message me we can help
Title: Re: How to Invest in UITF (Unit Investment Trust Funds) - Part 2
Post by: editas_farm on Nov 04, 2019, 09:05 PM
Hi guys any suggestions for PNB uitf products thanks and much appreciated