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

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bauer

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kiplinger

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Sir, try this link: 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!


madoff

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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



DonT

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^ Easiest way is to compare it to other Dollar denominated MMF. Balak ko din muna i-park sa DMMF ang USD ko.  :D


madoff

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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:


DonT

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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


homeschoolmomma

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@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:


DonT

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So saan kayo mag lalagay? parang feel ko park ko muna sa Metrobank yung mga US$ denominated etlogs ko.  :hihi:


AbysmalSpecter

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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?



AbysmalSpecter

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pure equity fund ung existing ko.  so to put some balance, siguro balanced fund naman


ahock

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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



DonT

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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:



DonT

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sonnyboy

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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.


GoodSteward

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* 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.


theEdge

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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.


GoodSteward

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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.


wintan2006

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DonT

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wintan2006

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            ^the edge(syoti ka ba or mei mei)  :hello:.O ayan pwede pala pre term yung UITF,may natutunan na naman ako. :hihi:


theEdge

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achi,
     
     Titi ako(syoti)hindi mei-mei,baka "khoko" ahia.how old na ka na ba.hehe :D


wintan2006

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          syoti,nasa lotto pa yata yung edad ko.hanggang anong number ba ang lotto? :huh:

          sorry po OT na po.


madoff

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wintan2006

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        ay wala pa ako dun,lower pa :hihi:,off topic agen.baka sampalin tayo ng moderator.


ahock

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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


homeschoolmomma

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^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:


ahock

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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


ahock

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is there a way to add more units sa UITF while abroad ka? Im talking on BDO balanced fund


DonT

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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.


poorguy

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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  ....




GoodSteward

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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


poorguy

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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?


ahock

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ano criteria nyo sa fund ng BDO? or BPI seems they cant even outdo tehir benchmark :(


DonT

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Whats wrong with BDO Peso Balanced fund..bakit ayaw umangat...pataas na ang Stockmarket everywehere


GoodSteward

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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..


poorguy

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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...


ahock

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good steward tama ka BUT if you look at the benchmark, di nila madaig eh


yangotrvm

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hello poor guy,

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airam

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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.


GoodSteward

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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...


ahock

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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.


airam

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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.


ahock

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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.


poorguy

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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... ^^


airam

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yung investment ko ay hindi pa pwedeng i-pull out. kaya hintay muna ako.


berns

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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.


bauer

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base sa condition mo, time deposit na lang ang option. money market is not guaranteed by PDIC kung UITF ito.


berns

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^ What if I'm willing to take a little risk? What are my other options?


thephoenix

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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:


berns

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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?


suzaku

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^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.


freefront

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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.)


GoodSteward

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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?


rael

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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.


freefront

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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.
« Last Edit: Dec 24, 2009, 04:15 PM by freefront »


GoodSteward

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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...


AbysmalSpecter

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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


tops5450

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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:


AbysmalSpecter

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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.


freefront

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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.



suzaku

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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
« Last Edit: Dec 26, 2009, 06:43 PM by suzaku »


crigor

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rds

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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?


rael

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it should be the same minimum across the board. go check po their minimum requirements from their websites.


sam

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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


 


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