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

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DonT

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GoodSteward

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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.  







DonT

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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:


rael

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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.


allanmm13

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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)


daimos

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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!


epic

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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..



mayeni

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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.


gnparaoan

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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:


ahock

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guys do you have the data kung sinong UTIF ang somehow best performer these days? Thanks


squatt3r

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ahock mukhang malaki kita mo dyan ah at naghahanap ka ng mapaglalagyan ng pera


ahock

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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


rael

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mojoStream

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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


foolcha

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