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

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bauer

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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.


gundam

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can anyone explain how and when the bank/trust make money from providing the uitf?
thanks.


bauer

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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.


gundam

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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.


workoshore

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^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:


foolcha

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@ 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.
« Last Edit: Apr 27, 2009, 02:25 AM by foolcha »


gundam

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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)


ahock

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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.


gundam

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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?


workoshore

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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:


epic

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A sudden spike UPWARD not downward for BDO PBF this week......

now thats good news....

BR,
epic


GoodSteward

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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



poorguy

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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?


wintan2006

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poorguy

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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?  :-*


 


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