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

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DonT

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^ Its ok if you are an OFW..just let your wife or a relative get an UITF  for you..pero if you are already abroad..you cannot do it from there.

10K is the minimum for BDO Balanced Fund.


AbysmalSpecter

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julian12

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Hello,

narito pa ako sa Pilipinas so pwde akong makabili nung bond. Pero ang problema ko kasi di ba may mga pagkakataon na dapat mong kuin ung pera mo sa kanila dahil bumaba nang masyado ung valor nung investment mo at gusto mong ipasok ung pera sa iba, pwde bang gawin un ng nanay ko kahit ako ang nag-invest?

salamat.


^ Its ok if you are an OFW..just let your wife or a relative get an UITF  for you..pero if you are already abroad..you cannot do it from there.

10K is the minimum for BDO Balanced Fund.


DonT

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Hello,

narito pa ako sa Pilipinas so pwde akong makabili nung bond. Pero ang problema ko kasi di ba may mga pagkakataon na dapat mong kuin ung pera mo sa kanila dahil bumaba nang masyado ung valor nung investment mo at gusto mong ipasok ung pera sa iba, pwde bang gawin un ng nanay ko kahit ako ang nag-invest?

salamat.


Nope..so better..nanay nyo na ang pumirma..or kapatid nyo. otherwise..keep it there na lang..pang long term naman ang UITF. Funds iyun bro..hindi bonds.


Ping

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Saan po kaya makakakita ng historcal monthly NAVPUs ng ng UTIF, say ng BDO?



 :hello:


homeschoolmomma

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Sir Ping, click nyo po etong url na to: http://www.uitf.com.ph/toap/Matrix/index.html

Dito ko rin nabasa sa PMT ang tungkol sa TOAP, kaya lang napabaon na yata sa dami ng posts at threads.  Ang hirap naman magback-read para hanapin.

Hope this helps.

 :hello:


julian12

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sorry may tanong uli me.

since i will be working abroad again, ano ba ang magandang UITF investment, dun sa website ng BDO merung iba-ibang UITF na di ko naman maintindihan. the others have PHP10 k minimum which is ok for me kasi i dont want  to put down 100K which some other funds require. so since di me makakbalik dito for 2 years, anong pinakamagandang fund ang pwde kong paglagyan ng pera, say mga PHP20K? and mag-e-earn ba un ng "interes" kagaya ng sa bangko kapag mas pinatagal ko pa with them?

salamat :welcome:


Ping

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homeschoolmomma

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^  Try nyo po ulit?  Weird, Sir, pero kapag ang i-click nyo e yung url sa quote nyo e gumagana.  Pero kapag yung url sa mismo kong post e hindi!

Nakakaloka...   :hihi:


DonT

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sorry may tanong uli me.

since i will be working abroad again, ano ba ang magandang UITF investment, dun sa website ng BDO merung iba-ibang UITF na di ko naman maintindihan. the others have PHP10 k minimum which is ok for me kasi i dont want  to put down 100K which some other funds require. so since di me makakbalik dito for 2 years, anong pinakamagandang fund ang pwde kong paglagyan ng pera, say mga PHP20K? and mag-e-earn ba un ng "interes" kagaya ng sa bangko kapag mas pinatagal ko pa with them?

salamat :welcome:

Ang pagkakaiba po ng mga UITF's ay yung risk ko nila..meron pong mga UITF's na constant ang pagangat..like Moneymarket..pero limited lang po ang increase niya..mga 2 to 3% lang per year...
Pero kung gusto nyo ng mas mataas..yung mga Balanced fund po..pero malaki din po ang risk na after two years..bumaba din ito..

Ang trick lang po dyan is..invest money that you think you will not use in the immediate future..para you don't have to pull it out while the value is low.


Ping

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@momma,  parang ayaw pa rin eh.

@DonT, so di rin pala magandang i Peso Cost Averaging ito?  Kasi maliit din ang returns?  Dapat medyo long term talaga, para pag nag compound ka?  Pero 2-3% a year lang ba yield ng UITF?  

Yun sana ang gusto kong makita sa HISTORICAL records, kung aling instrument ang mas ok ang yield?
 :help:




GoodSteward

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Thanks DONT and homeschoolmomma, i stand corrected, BDO balaced fund minimum is 10,000 pala. I used to place there before the crisis and pulled it out just when the crisis started. Sisi ako that around 7 pecent or even more ang return ng income ng balanced fund for the past month alone and i wasnt able to hop in.......


Ping

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Oo nga eh, alam ko medyo "malikot" ang mga UTIF, Balance Funds, and the likes, but not sure how much.  Kaya hanap ako ng mga may minimum top up.  Para maski monthly, kaya kong maglagak ng pera, parang forced savings.  Usually naman, after 30-45 days, withdrawable na anytime eh.


@GoodSteward, any suggestions, para sa cost averaging?




 :help:


wintan2006

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            ang napapansin ko sa mutual fund ko mas malaki ang tinataas ng equity fund ko kesa sa balanced fund ko but i dunno with UITF.

            Ping pwede ka naman mag cost averaging na kasi 10k lang naman ang minimum sa uitf balanced fund,monitor mo na lang kasi nabasa ko sa news about finance about the CHA CHA ma apektuhan daw ang stocks before the elections,kung ganun pwede mo naman kagad labas ang pera mo since 1 month lang naman ang holding period nya at wala syang exit fee unlike sa mutual funds.paglabas mo ng pera antayin mo ulit bumagsak tsaka ka mag start ulit maglagay.the way i play with my mutual funds kasi i go long term,i am making placement every month sa MF ko at pag na reach nya uli ang top,ilalabas ko yung mga pera ko naka 2 yrs na(to be exempted from exit fee) and i know kumita na yun talaga,tapos patuloy pa rin ako maghuhulog.


Ping

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Anong company gamit mo achie wintan2006?

Yun kay Chairman rainmen po ba?
 :thankyou:



 


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