PMT Forum
Do you want to make money today? :)

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

iam · 768 · 236312

wintan2006

  • PMT Idol 1000
  • ****
    • Posts: 1,364
    • Likes Received: +0/-0
          philequity po ako Ping.yung balanced fund ko is kabuhayan fund.stocks medyo ok ng kaunti ngayon kaya mas mabilis ang taas ng equity fund.
 
          yung kay rainmen if you are pertaining to Philam fund,nabenta ko na sya before bumagsak ang market,nag lumpsum ako nun 500k.kumita ako ng 90k in less than 1 yr.sinwerte ok ang timing at out ko.kaya dapat monitor mo rin,kaya inde ako naniniwala sa mga DAPAT 7 yrs nakalagay dun,what if ika 7 yrs nya eh bagsak ang market paano mo ilalabas ang pera mo ng lugi ka.kung inde ko nilabas pera ko nun ,yung kinita kong 90k ,iluluwa lang uli kasi pababa ang market nun.so ano ang mangyayari,aantayin ko uli tumaas ang NAV God knows when bago ko sya kitain uli,you have to take into consideration ang inflation pa.normally kasi bumabalik sya within 3 to 5 yrs.so nangyari nun nilabas ko pera bago bumagsak,antayin mo bagsak na bagsak tsaka ka pumasok,and since inde pa masyadong stable ang market,mag COST AVERAGE KA.



Ping

  • VIP 3500
  • *****
    • Posts: 3,670
    • Likes Received: +0/-0
@momma, Ayun, ok na po!    Salamat ng marami.

@achie wintan2006,  hanap nga ako magandang vehicle para mag cost averaging nga sana.  2-3 years maybe.  Para anytime may need ng funds, mas madali i withdraw.


 :cool2:
« Last Edit: Jun 12, 2009, 02:45 PM by Ping »


GoodSteward

  • VIP 3500
  • *****
    • Posts: 3,991
    • Likes Received: +4/-0
Sir Ping, i actually dont do cost averaging but im considering to do so with BDO Balanced Fund, m just thinking kung ok, kasi duwag tayo sa investment, id rather have a lower fixed income portfolio than a high risk high return portfolio.

Regarding sa Cost averaging, besides which instrument ang OK, i think another factor to consider is yun convenience on your part, like location, agents etc...

And agree ako kay Sir Wintan, for me there is no such thing as long term investment. Im pertaining to variable income and not fixed income) I have a friend who had PETRON shares almost 10 years ago or even more than 10 years na, until now, papel pa din, di na nakabangon yun price ng share ng petron dun sa "purchase" price nya.  I cited example usiong stock, pero ganun din uitf and mutual fund for me, kasi they invest it naman sa stock market natin here specially for the balanced fund(partially) and equity fund. Timing is the key. Pero yun din yun mahirap.
« Last Edit: Jun 12, 2009, 08:32 PM by GoodSteward »


poorguy

  • Forum Champion 700
  • ****
    • Posts: 720
    • Likes Received: +0/-0
@goodsteward

musta bro..=], sorry para akong gary v. maya maya nawawala and bumabalik, eto nanaman ....corny ko na..... pwede ba gawin sa bdo yung isang account but different funds? ngyon kasi naka fixed income lang ako sa bdo, and upon reading your post parang nagulat ako money market =].....

i tried ing bank din. placement nga lang is 100k for the phil equity fund nya.... sayang i pull out my investment early, ngyon its should double my interest sana =[.....

tip ko lang, its better to check the history nung company about their performance using the www.uitf.com.ph, para u know how they have a better review of ur investment =]


wintan2006

  • PMT Idol 1000
  • ****
    • Posts: 1,364
    • Likes Received: +0/-0
        ^sosyal ka pa Gary V pa pinili mo to describe you,para kang PALITAW,lulubog lilitaw :D.

         PG,money market kasi medyo stable sya,slowly but surely ang pagtaas nya,it averages 4 to 5% per annum ang kinikita(depende kung kailan ka pumasok),better than savings deposits.better to place your money here if you are still looking for other investment vehicle since you can take it out anytime  without any fees,there's no holding period for this.I placed 5ook sa money market ng BDO last January kasi wala pa akong paglalagyan that time.then eto i reserved na for RObinson's land corp(corporate bonds),i will take out my money from BDO money market to buy RLC bonds.

          about your question kung pwede mag invest sa different kinds of UITF offered by BDO,i guess pwede rin kasi iba iba naman silang UITF funds at iba iba naman ang pinaglalagyan nila.


poorguy

  • Forum Champion 700
  • ****
    • Posts: 720
    • Likes Received: +0/-0
aba syempre achie...kailangan pasosyal tayo minsan =]  :-* miss u.....

so pwede ko i keep yung fixed and maglagay din ako sa money mrket at the same time.... in one account lahat?.... natuwa ako sa mf hehehe, kaya parang ineexpect ko din makapasok ulit sa paginvest, pero parang nasa rally point kasi ngyon mahirap pumasok ....


wintan2006

  • PMT Idol 1000
  • ****
    • Posts: 1,364
    • Likes Received: +0/-0
 ^ syots,inde ko get yung one account na sinasabi mo.different funds yan so hiwa hiwalay ang contract nya.

     OT:pm mo sa akin kung may "nui pheng yo" ka na ha?


GoodSteward

  • VIP 3500
  • *****
    • Posts: 3,991
    • Likes Received: +4/-0
tama si wintan poorguy, kasi iba talaga yun money market sa bond sa equity fund. Actually di na account tawag dun i think. If you place 2 different times even same fund say money market fund, dalawang certificate hawak mo, so kada placement may isang certificate...

Poorguy, unpredictable ka na, kelan ka kaya uli disappear? hihihi


ahock

  • Forum Champion 800
  • ****
    • Posts: 818
    • Likes Received: +0/-0
hey good steward just a comment. Im not sure what really happened sa Petron and even from my Mom na MERALCO. Same scenario kasi yung sample mo sa nanay ko na Meralco. She bought ata at 200++

When I asked her what really happned sabi nya buy sya from SSS that time but after that all she thought ok na. Im asking her details like dilution or something. Baka kasi nag stock rights tapos di sila nag avail. I really cant say but one thing is check nalang ang outstanding shares that time and earnings vs what happen now. Im sure along the way something had happened.


GoodSteward

  • VIP 3500
  • *****
    • Posts: 3,991
    • Likes Received: +4/-0
onga e, pagkaalam ko bumaba lang talaga yun stock n di na umabot sa purchase value ng fren ko. Kaya i dont buy the idea of long term investment. Yea, there are long term na kumikita, and theres also long term na sablay, its really about timing.


workoshore

  • Forum Champion 800
  • ****
    • Posts: 809
    • Likes Received: +0/-0

hey good steward just a comment. Im not sure what really happened sa Petron and even from my Mom na MERALCO. Same scenario kasi yung sample mo sa nanay ko na Meralco. She bought ata at 200++

When I asked her what really happned sabi nya buy sya from SSS that time but after that all she thought ok na. Im asking her details like dilution or something. Baka kasi nag stock rights tapos di sila nag avail. I really cant say but one thing is check nalang ang outstanding shares that time and earnings vs what happen now. Im sure along the way something had happened.


OT:
I had Petron during IPO thru SSS stock options, price that time is Php9, price to date Php 5.70, cash dividend to date Php5,280, stock dividend 1,400 shares...

so acquisition cost is Php14,400 (1,600 shares), to date value Php 22,380 (Php17,100 for 3000 shares plus Php5,280),,,hence net to date is Php7,980,,, :watchuthink:

for your comparison lang po,,, :book:

cheers... :cool2:


madoff

  • Forum Master 300
  • ***
    • Posts: 305
    • Likes Received: +0/-0
Yup, also for comparison purposes, i bought Petron IPO @ 9.00 sold after a few days at 26. That's  a good example of timing. No offense meant to Sir W, I simply got lucky back then. No way I would have known that it would be worth only 16.00 today.


Ping

  • VIP 3500
  • *****
    • Posts: 3,670
    • Likes Received: +0/-0
I tried to use the historical data of BDO Balanced Fund, and use the Peso Cost Averaging.  Parang di rin masyado ok ang yield eh.   I used the span from Jan 1, 2004 up to May 2009.

Kunwari, I bought using P10,000 on a monthly basis.

Ang yield is only 10% over 5 years!!!!   Kasi nga akyat baba sya eh.  Pero counting 66 months from Jan 2004 up to present, P660,000 ang cash out (not counting fees), the current value would have been only 725K today, roughly 404 shares accumulated.

I could be wrong.  Not sure kung tama ang computation ko though.




 :help:


madoff

  • Forum Master 300
  • ***
    • Posts: 305
    • Likes Received: +0/-0
That may explain why being indefinitely long term is not a good idea. Markets undergo boom and bust cycles. So the experts go long term on the onset of a boom cycle and withdraw on the onset of a bust cycle. Try to check if you did the averaging down until December 2007 only and see if the difference is significant. The onset of the bear market i think was on October 2007, but super experts lang ang mga naglabas ng market driven investments nung panahon na yun.

BTW, averaging up na pala tawag dun. Averaging down is applicable from Oct 2007 till present, hehehe...
« Last Edit: Jun 14, 2009, 02:05 PM by madoff »


 


PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • Jayjayqwe: hi po
    Feb 19, 2020, 11:27 PM
  • tirs d pip: hello
    Feb 18, 2020, 02:32 PM
  • Ace1105: Hello sa lahat...  :hello:
    Feb 07, 2020, 09:46 AM
  • FREYAHYARA: Anyone knows where Ig shops like styledom.ph, thriftme, instashoppeavenu and the likes get their items for selling. Would like to venture in the same business but would like to know where and who the suppliers are
    Jan 28, 2020, 09:38 PM
  • Niel Jhacoubs: To bpc85 kung nakalagay ang inyong names sa beneficiary list ng iyong ama kay may makukuha po kayo.
    Nov 28, 2019, 02:18 PM
  • Niel Jhacoubs: Hellooooo, its been a while. :)
    Nov 28, 2019, 02:16 PM
  • miakashidou31: hi , meron po ba ditong nagta transfer sa paypal?
    Nov 05, 2019, 01:46 PM
  • whennedy: good noon po
    Oct 18, 2019, 12:04 PM
  • edzlpdac: goood day po sa lahat!
    Oct 12, 2019, 03:37 PM
  • bpc85: ask lng sana ako kung may makukuha ba kami ng Mama ko at ako or mga kapatid ko sa benepisyo ng aming Ama bilang membro ng AFPSLAI. thank you po.
    Sep 27, 2019, 12:52 PM
  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM
  • dagocjasonrey: Anong update dito?
    Jul 22, 2019, 08:49 PM
  • mark_Lee: anong bago dito
    Jun 28, 2019, 01:03 AM
  • mark_Lee: balita
    Jun 28, 2019, 01:03 AM
  • Lovelyprincess72: hi everyone , I'm newbie here
    Jun 27, 2019, 02:36 PM
  • Niel Jhacoubs: Musta?
    Jun 26, 2019, 01:43 PM
  • Forexanalysis: Hello
    Jun 25, 2019, 06:33 PM
  • Niel Jhacoubs: Hello sa mga online jan! :)
    Jun 15, 2019, 02:58 PM
  • oragon: :applause:
    May 20, 2019, 03:53 PM
  • FutureGizmo: Thank you for reporting those spam posts, oragon! Spam posts now deleted.
    May 20, 2019, 01:59 PM
  • oragon: Admin kindly monitor some peps! posting and sharing inappropriate nude photos and website links
    May 20, 2019, 01:52 PM
  • @culinary10: Hello I am new here! Regarding sa bdo life insurance for 8 years, pwede pa kaya ma refund yung binayad ko na 50k last year? Gusto ko sana icancel kasi lack of financial na, last may 15 2018 po un nag start ako ng life insurance, pinili ko annually kaso etong may 15 2019 wala nako ma ipay so gusto ko sana icash out, may alam ba kayo kung pano marerefund?
    May 17, 2019, 07:56 PM
  • FutureGizmo: Hi Sonny, the posting issue is now resolved. Thanks for informing us! We're currently testing a new, mobile-ready theme so let us us know kung may problema pa sa Forum. :)
    Apr 04, 2019, 10:40 AM
  • sonny.wapak: Nakaka receive din ba kayo nito pag gawa ng new post? "Please try again. If you come back to this error screen, report the error to an administrator."
    Apr 03, 2019, 10:56 PM
  • leonine_zafiro: what product nun?
    Apr 01, 2019, 10:25 PM
  • dhondiex27: hi
    Mar 30, 2019, 10:55 PM
  • lusart: jayrob i agree 200%. hulog ng langit organico. legit na legit
    Mar 29, 2019, 09:08 AM
  • palemelch: Hi
    Mar 28, 2019, 04:08 PM
  • O.C.W._AK: Magandang Araw sa Lahat! Blessings! (",)
    Mar 28, 2019, 08:42 AM
  • thor15: hello everyone, newbie here
    Mar 25, 2019, 01:47 AM
  • captjaylo: present newbie here
    Mar 22, 2019, 10:06 AM
  • balboagilbert26: hello Guys .. Newbie here
    Mar 21, 2019, 10:55 PM
  • businesswoman2019: @jefsanity nag inquire na po ako pero di sila nagdidisclose. Yung branch po kasi na target ko, currently building pa.
    Mar 21, 2019, 04:27 PM
  • jefsanity: @businesswoman2019, much better inquire ka na lang sa admin nila.
    Mar 21, 2019, 01:51 PM
  • businesswoman2019: Hello! Any idea how much ang stall sa waltermart. 2m x 2m
    Mar 21, 2019, 08:28 AM
  • John Neil: Looking for an accredited iron foundry
    Mar 17, 2019, 03:19 PM
  • jayrob: Mark_Lee ung organico legit po yan..  Member din AQ..
    Mar 17, 2019, 12:57 AM