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How to Invest in UITF (Unit Investment Trust Funds) - Part 2

iam · 768 · 232697

iam

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Continued from: UITFs (Unit Investment Trust Funds) -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
« Last Edit: Apr 05, 2019, 02:54 AM by FutureGizmo »


rael

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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.

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%


iam

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bluegenes

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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!


haidee

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tyronesolee

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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
« Last Edit: Jan 09, 2009, 10:49 AM by tyronesolee »


Nomad

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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!


jacque

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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


gorgeous_mommie

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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


wintan2006

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           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?


gorgeous_mommie

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hello po.. if i could(fingers crossed) i wanna invest in a long term inv... para sa future...


poorguy

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@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...


princessachiever

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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.




Atoy

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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



princessachiever

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^ 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:


 


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