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

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rael

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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)

PNB Mabuhay Prestige: 3.20
BPI Balanced Fund: -27.08%
Metro Capital Growth Fund: -28.58%
BDO Balanced Fund: -41.37%



tyronesolee

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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


mayeni

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thanks for the advice tyronesolee. i do check your blog site from time to time. very informative.  :D


epic

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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,
« Last Edit: Jan 17, 2009, 03:52 PM by epic »


tyronesolee

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rael

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@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:


epic

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epic

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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...





epic

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Thanks sa reply, got the computation on % using the calculatot in www.uitf.com.ph

 :thankyou:



mayeni

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thanks for the suggestion, bauer. i will take that into consideration.  :thankyou:


GoodSteward

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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.


cpetaling

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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.


dideg

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^i agree with you cpetaling...mahirap talaga malaman kung sino ang magaling na fund manager.


 


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