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

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DonT

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Wake up guys!  :applause:
as of 4/6/2010
BDO Peso Balanced Fund Navpu - 2,062.917200
YOY is  31.9888%
YTD is  6.4155%

Konti na lang..ma pupullout ko na din yung iba kong UITF.


palailai

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yehey.. ang saya saya i pull-out ko rin yung BDO Balanced ko.


sam

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ibig bang sabihin dun sa mga gusto pa lang pumasok ng uitf e, di maganda yung timing ngayon? hintay pa ng kaunti?


DonT

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yup...kasi UITF's are more for long term investing...

Maybe its better to go for stocks at the moment. I guess its a bull market now.


bauer

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di pa ko pwede mag pull out, i will wait for BDO balance to reached 2600 NAVPU


DonT

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freefront

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I went to the UNIONBAnK website. They have an auto-invest feature that can go with your CASA account. Ain't that grand? Bpi features the auto-savings feature w/personal insurance involved but Unionbank trumps that kasi, ilalagay nila agad sa UITF account mo yung auto-savings mo monthly. Knowing that UITF(which is a form of mutual funds) posts higher returns than S.A.( and assuming you are able to handle/minimize the risk)-this is a better deal.

UITF accounts start at 100K.


bauer

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^ Do you think that will happen this year?  :watchuthink:


if there is a smooth transition after the election, december will be a good month for stocks


tom123

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Hi newbie here. Planning to invest in UITF kaya ngresearch ako. At ito yung last 15mos. performance comparison. Paki-confirm naman kung tama.
Kung tama ito, at nag-place kayo Jan 2009, laki ng kinita nyo ha :hihi: balato naman jan. :applause:

EQUITY FUNDS
BPI   39.66%
Metro   68.51%
BDO   71.36%

BALANCED FUNDS   
BPI   26.45%
Metro   39.78%
BDO   37.71%
« Last Edit: Apr 14, 2010, 03:54 PM by tom123 »


homeschoolmomma

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Just found this from Metrobank...

http://www.metrobank.com.ph/ViewImage.asp?id=1405

Don't you think this is a better alternative to BPI's Save-up considering that it also comes with life and ADD insurance from AXA?

Only P5k to open with minimum additional monthly placement of P1,500?  Di ba swak sa mini savings budget?

Ano sa palagay nyo?


DonT

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^ UITF na may insurance? bago yan ah.  :D
Posted on: Apr 15, 2010, 05:03 AM
as of 4/14/2010
BDO Peso Balanced Fund Navpu - 2,104.0508
YOY is  341.7571%
YTD is 8.5373%

Wow...look at the growth in just 4.5 months. I thought this will never happen again.  :D


vss332003

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hi! i also want to share UnionBank's Large Capitalization Philippine Equity's performance:

NAVPu as of 4/14 = 243.226618
YTD  - 21.6930%   

don't have data on YOY.   


omekin

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vss332003

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freefront

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@homeschoolmamma

Metrobank's offer is friendlier than Unionbank's  because of the start-up amount( 100k vs. 5K). How do their gains compare?


myPrincessAyecka

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i'm a newbie here. nakita ko po ito  

RCBC Savings Bank
Fund Name
                  NAVpU    as of       
 Molave Fund    1.263500    5/4/2010

Pwede po paki-interpret sa akin ito? is this a good one or not? hindi ko alam kung may sense ang tanong ko, pasensya na po. nag-start pa lang po kasi ako. thanks


HoriZon

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 check nyo din ang union bank's uitfs. mukhang ok yung large cap and peso bond fund.
« Last Edit: May 18, 2010, 09:19 PM by HoriZon »


freefront

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^ I saw that one. Starting is 100K php sa large cap. Inilampaso ang lahat lahat na bangko sa performance.

They also have an auto-savings plan where 1,000K monthly goes into a UITF account. I am not sure kung you have to put up the 100K muna.


HoriZon

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i think the minimum for auto invest of unionbank is 60k per annum (pero pwedeng monthly or bimonthly ang frequency), check nyo na lang. And, it seems hindi pa daw ito operational. Pakitanong nyo na lang din sa branch and pakifeedback na lang din dito. Ok sana ito, mukhang no other bank offers such a system at this time for uitf.

 


HoriZon

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to those looking for a conservative investment for their dollars, check out the yoy performance of metrobank's dollar money market and of bpi's global philippine fund (this is also a short term dollar bond fund). parehong nasa 7% na. much better compared to dollar TD rates. of course, past performance in uitf is not a guarantee.


vss332003

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i have investment with unionbank's large cap. i started last week of february and i am happy about its performance. i have also recently read about their auto invest product but i have yet to ask for details from my contact there.


freefront

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^ Pls. post after your transaction with the auto-invest ng UITF?  Kulang kasi sila ng branches kaya katamad to deal with them.


bisoy

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mga bossing... magandang araw po sa inyo... isa po akong OFW at matagal ko na po binabasa tong UITF actually sobrang interested po ako kaso di ko lam kung ano ung tamang ggawin....
may 50k petot po ako kaya kong gamitin baka pde nyo nmn ako bigyan ng enlightenment kung anung tamang pagiinvest ng ganito pera.. pinaghhirapan ko po kase kaya medyo nagiisip ako kung tama ba d2 ko lagay at mag try maginvest sa UITF...

BDO po target ko BDO Balance fund.. baka mabigyan nyo nmn ako payo.. TY sa magrereply.. :rakenrol:


freefront

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Pls. refer to my above post. I noticed a new member called UNIONBANK.  :welcome:

Maybe you can enlighten us your automatic monthly investment to your large cap UITF? Does it have the same 100,000 initial investment before you can avail of that feature?


freefront

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^^^ Initial investment of 100K, subsequent is very flexible.


dinaren

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just a stupid question. If i open a UITF account in one branch of a bank in metro, can I redeem it later in another branch in the province? should it be the same branch?

say i opened in BPI manila, can i redeem my placements in BPI bacolod?


silent_investor

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just a stupid question. If i open a UITF account in one branch of a bank in metro, can I redeem it later in another branch in the province? should it be the same branch?

say i opened in BPI manila, can i redeem my placements in BPI bacolod?


It's not a stupid question :) As far as i know, you need to go back to the BPI branch where you invested. Same with BDO where I have UITFs.
« Last Edit: Aug 09, 2010, 05:19 PM by silent_investor »


DonT

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^Yup..I agree...coz you have certain documents to sign...and those are being kept at the branch where you placed your funds.


dinaren

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^ thanks DoNt and S.I., im all set for this UITF thing.  :yoohoo:



hipyyy

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Hi to all.....

I don't know if this is the right forum to ask this. I'm a new member and sawakas after looking for a forum for UITF investing, I found this site na pinoy pa.

My question is how to compute earning in percentage if you have invested several times in a product over a period of time. I'm an investor of BPI-Short Term Fund since 2006 but buying units from time to time if may sobrang money. How then do I compute my earning per year in percentage since different buying prices ko?

Thanks


allanmm13

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Hi to all.....

I don't know if this is the right forum to ask this. I'm a new member and sawakas after looking for a forum for UITF investing, I found this site na pinoy pa.

My question is how to compute earning in percentage if you have invested several times in a product over a period of time. I'm an investor of BPI-Short Term Fund since 2006 but buying units from time to time if may sobrang money. How then do I compute my earning per year in percentage since different buying prices ko?

Thanks


Use excel sheet to do this task. PM me so i can share yung gamit ko excel tracker. This may help you getting your funds % return

 


hipyyy

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Use excel sheet to do this task. PM me so i can share yung gamit ko excel tracker. This may help you getting your funds % return





I can't send you a PM.... newbie pa daw ako

pls email me at hipyyy@yahoo.com

Posted on: Aug 13, 2010, 03:57 PM
Thanks a lot allanmm13 for the help
Posted on: Aug 13, 2010, 05:21 PM
Thanks a lot allanmm13
Posted on: Aug 13, 2010, 05:23 PM
allanmm13

after using the calculator you sent.... i have a 33.9% output from an investment since June 2005. Is the 33.9% yearly profit? or I need to divide 33.9 by 5 years to have an annual 6.78% earning of my investment as of this June 2010?


allanmm13

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after using the calculator you sent.... i have a 33.9% output from an investment since June 2005. Is the 33.9% yearly profit? or I need to divide 33.9 by 5 years to have an annual 6.78% earning of my investment as of this June 2010?


33.9% is total (cummulative) return of all of your investments. Mahirap makuha yung annualize using the excel kasi as you mentioned you invest when you have funds and I assume this is not regular.

Ang pinakamaganda eh you compute separately yung investment mo and then compute for returns.

Ex.

2005; bought X1 NAVPu that time; X2 is current NAVPu
% = (X2-X1)/X1 to get total return (+/- %).

2008; bought Y1 NAVPu that time; Y2 is current NAVPu
% = (Y2-Y1)/Y1 to get total return (+/- %).

« Last Edit: Aug 13, 2010, 06:33 PM by allanmm13 »


hipyyy

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33.9% is total (cummulative) return of all of your investments. Mahirap makuha yung annualize using the excel kasi as you mentioned you invest when you have funds and I assume this is not regular.

Ang pinakamaganda eh you compute separately yung investment mo and then compute for returns.

Ex.

2005; bought X1 units; divide that with current NAVPu to get total return (X1%).

2005; bought X2 units; divide that with current NAVPu to get total return (X2%).


allan,

i'm using the calculator for a single uitf product bough units at different time from 2005 to 2009. 33.9% is income for a single uitf product...... do i divide by 5 to get yearly?

Pero thanks for that answer also... it will give me an idea of my percentage income for my total holdings in different uitf product.


allanmm13

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allan,

i'm using the calculator for a single uitf product bough units at different time from 2005 to 2009. 33.9% is income for a single uitf product...... do i divide by 5 to get yearly?

Pero thanks for that answer also... it will give me an idea of my percentage income for my total holdings in different uitf product.


To get annualized: Use this template

Annualized Return Formula

APY = (principal + gain/principal) ^ (365/days) - 1

So, for example, suppose our initial investment (ie. principal) is $10,000, and after 2.5 years we are sitting on $14,000. What is our annual return? Let's plug our numbers into our formula using the following values:

    * principal = $10,000
    * gain = $4,000
    * days = (365 * 2.5) = 913 (rounding our half-day up)

APY = ($14,000 / $10,000) ^ (365 / 913) - 1 = 14%


mxherr5

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^

You might want to look into Excel's XIRR function.
Its specifically used for irregular investments/cash flow. It will give
you your IRR.

Good luck


hipyyy

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To get annualized: Use this template

Annualized Return Formula

APY = (principal + gain/principal) ^ (365/days) - 1

So, for example, suppose our initial investment (ie. principal) is $10,000, and after 2.5 years we are sitting on $14,000. What is our annual return? Let's plug our numbers into our formula using the following values:

    * principal = $10,000
    * gain = $4,000
    * days = (365 * 2.5) = 913 (rounding our half-day up)

APY = ($14,000 / $10,000) ^ (365 / 913) - 1 = 14%


Thanks for this annualized computation
Posted on: Aug 13, 2010, 07:01 PM

^

You might want to look into Excel's XIRR function.
Its specifically used for irregular investments/cash flow. It will give
you your IRR.

Good luck



Tried it...thanks. Do I divide the answer to number of years invested?
What's IRR?


mxherr5

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^

Nope, if you noticed, it takes into account the dates
of the investment so there's no need to do anything else

I think IRR is like the interest rate if you had placed your
money in the bank or that's how I understand it at least  :D

So if you get 4% when you do an XIRR then that means
its like you had placed your money in a bank deposit with
a 4%p.a. rate(with no tax)

Hope that helps


hipyyy

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Thank you very much allanmm13 and mxherr5 for helping me.

Ive been investing in UITF since 2005 but I don't have the right pictrue of my investment as I rely what my account manager presents to me. Syempre....each bank has its own way of computing para ma entice and investor. Now I have an accurate idea of my portfolio. Pero minsan not knowing the exact figure masnakabuti pa...hahahha! After 5 years....ok naman ang kita....buti na lang!

Thank You :thankyou:.....Thank You :thankyou: :applause: :cool2:


janasan08

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hi po newbi din po ako sa forum nato...ask ko lng po un product ng metrobnk na uitf METROFUNDSTARTER pano mgcompute kung nakita na po kc nakakailang labas at pasok po ako di po ako nakita ng malaki..gaya po ng last,,,kumita lng ako ng 6000.ipinasok ko po un ng Jan.tapos po inilabas ko ng August..bale 7 mnths.pero nun pong bagong labas un metrobnk starter na yun kumita po ako ng 25 tawsand in 3 mnths n un perang ipinasok ko 400k


fattybearyus

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Hi. I want to invest in UITF, I already invested in FAMI SALEF and want another UITF. Can someone get suggest somewhere I can deposit around 10-20k only?
Posted on: Oct 10, 2010, 07:47 PM
I read somewhere that you should not just rely on the most recent performance of UITFs. Then how will we know? What's a good indicator?


DonT

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^ Buy when its low...sell when its high.

You cannot just buy when you want to...and sell when you need to....
Well of course you can do that if you aint bothered if you lose money.
« Last Edit: Oct 11, 2010, 11:53 AM by DonT »


mxherr5

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^

How would you know if its low enough to buy and
high enough to sell?

Thanks


kyutrefinedz

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How would you think the investors would react about the news now that BPI lowered their minimum initial investment for Peso UITFs from PHP50,000 to PHP10,000, and dollar UITFs from USD1,000 to USD500?



paui05

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Hi, i am newbie here. I am in UITF and MU for quite some time na rin. I suggest you guys create monitoring, an excel may do (even if meron naman silang price history), that way, you can check if NAVPS would goes down (then thats the best time to buy) or if NAVPS is up.

I am a risk taker, i invested in BDO and BPI equity fund. and im happy naman with their performance.


uprising

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ung united equity fund ng ucpb me naka try na? mukhang ok din performance


skizzle06

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I just checked Union Bank's Large Cap Equity Fund performance, YTD return is a whopping 117.16%. The minimum capital is a bit huge though at 100k.

http://www.uitf.com.ph/toap/scripts/fundhistoryframe.asp?FundCode=031&withBack=Yes


bauer

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new investors,

a piece of advise.  dont be MISLED by YTD (year to date) returns of MF or UITF.  The best way to check their performance?

Look at their inception date (start of fund) then compare it to the present date. Compute for the annual return.


auxcom

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sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.


cool_78

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sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.

That's not true, you can't add to your original placement but you can open a separate one with a minimum of 10k. What was your scenario? Report mo sa CS ng BDO na di alam ng CSA nila pinagsasabi niya.


mayeni

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sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.

not true. like what cool_78 said, you can open a separate BF investment with a minimum of 10k. i often do that -- open uitfs with bdo with 10k minimum separately. so when i pull out, i will not have to pull out all of the invested funds.


silent_investor

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Yes, cool and mayeni are correct. But given your statement, it seems you wanted to invest a lower amount than 10k. So in a way, the BDO branch was correct. You would need to redeem your initial investment then add your intended additional investment then invest it all again.


auxcom

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hi! My additional is more than the minimum and it is already more 1 month old account. Un nga sinabi ng bdo, redeem and add na lang. Cancel ko na lang since malulugi ako :-)

Thanks for the help!


bauer

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lipat ka ng ibang branch ng BDO baka di pa dumaan sa proper training ng UITF yung staff ng branch mo.


GoodSteward

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auxcom, which branch yan? I nth the motion, mali yun personnel, try other bdo branches or read to them their fliers, alam ko nakasulat yun policy dyan if im not mistaken, confirm nalang....


denryuu

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Good day to all, im a total newbie in investing so i have a question regarding s UITFs or Mutual funds...
Pag mag iinvest n b ako s mga yon e let's say kunware s Balanced Fund(ung both equity at bonds).. papipiliin ba nila ako specifically sa kung saang company or corporation ko gusto iinvest ung pera ko? OR is it like sa pagdedeposit lng sa banko na sila na bahala sa pera mo at they will decide on where to invest to get the best returns? Wala kse ako alam msydo s performance ng market at sa mga companies kaya ayun~...


freefront

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^You turn over you money to a management team. You are in a position where you can't be bothered to trade in stocks and acquire bonds, but you are doing more than depositing your money in a bank for safekeeping---all with attendant risks.


Atwater

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yes unit investment funds is really good for investing money have high return and i think to invest there now
mlm lead system pro
« Last Edit: Dec 18, 2010, 04:51 PM by Atwater »


monobcena

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sino may uitf sa bdo here? I try to make additional investment to my balance funds but sabi ng personnel, it is required to redeem my previous/first investment first. I wonder and asked but ganun daw ang process.
Ganun nga sa BDO UITF...you need to take out muna your existing investment...So bale nde ka pde magdagdag ng units pag meron kna.


mayeni

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Ganun nga sa BDO UITF...you need to take out muna your existing investment...So bale nde ka pde magdagdag ng units pag meron kna.

i have BDO UITFs. I don't need to pull out existing UITFs if I want to add more. I open UITFs in small amounts (minimum required) so no need to pull out. You will just have several UITF certificates.


ray214

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kung magiinvest ako ng 100k sa bdo peso bond fund, magkano kikitain ko kada buwan? ano bang pinaka ok at safe na uitf ng bdo? kahit 1 k plus lng ang kita.


dudefullness33

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kung magiinvest ako ng 100k sa bdo peso bond fund, magkano kikitain ko kada buwan? ano bang pinaka ok at safe na uitf ng bdo? kahit 1 k plus lng ang kita.

ray, safest would be peso money market fund. I am not sure though about the 1k that you are targeting. It still depends on the navpu values.


freefront

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^dude, are you an old lady? j/k! Money market is almost just like your time deposit. I don't think it went past the 1% p.a. last year?


dudefullness33

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hehe.. No I'm not. Anyway, the guy above was asking about the safest fund in UITF - which is BDO's Money Market. It doesnt have any downtrend for the past three years. The next safest that BDO can offer would be their Bond fund. Is this considered safe?


freefront

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bond funds don't make movements that would displace your liver...


GoodSteward

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^Natawa ako dun a hehehehe

So true..Yun nga lang lately pababa ng pababa bond fund (bdo), nakakainip lang ng konti but nasisikmura ko pa naman...


dadedidodu

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lahat naman pababa lately.. balanced, equity, money market, bond.. etc. I think it is global.  let's just wait for the rebound.  money market wont give you that much income, but will just protect your money from inflation. In terms of income, konti lang difference sa time deposit.


meiashie

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new here :) can anyone give me a bird's eye view about BDO's uitf? please and thank you to all! :D


 


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  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • Doni_megaworld: agreed
    Yesterday at 03:30 PM
  • Niel Jhacoubs: @lyndrey depende siguro sa seller, so kung mag order kayo online much better na kilala niyo at trusted
    Yesterday at 02:29 PM
  • Doni_megaworld: kumusta? sino mga online?
    May 24, 2020, 03:24 PM
  • lyndrey: Do not buy PPE online. Either expensive overpriced or totally damaged or cannot be used
    May 24, 2020, 01:37 PM
  • lyndrey: Online Scammers/online shopping cheats are active with stay at home regimen.
    May 24, 2020, 01:34 PM
  • Niel Jhacoubs: @razee22 Parang di na po nacoconvert into money ang load po.
    May 12, 2020, 04:07 PM
  • razee22: any advised or recommendation?
    May 12, 2020, 11:16 AM
  • razee22: Paano po ba iconvert ang load into money like Paypal, Paymaya or Gcash?
    May 12, 2020, 11:15 AM
  • razee22: paano po ba iconvert ang load into money? Paypal or Gcash
    May 12, 2020, 11:14 AM
  • Niel Jhacoubs: Hellooooo, okay lang ba kayo dyannnn?
    May 11, 2020, 11:40 AM
  • theimprobableone: hi
    May 05, 2020, 11:37 AM
  • freelance_treasure_hunter: hello all...
    Apr 28, 2020, 04:26 PM
  • Niel Jhacoubs: Can someone save me?
    Mar 24, 2020, 01:39 PM
  • Niel Jhacoubs: I'm tired.
    Mar 24, 2020, 01:39 PM
  • Victorvargas: Hello sa lahat po new lang po dito. Hope na marami matutunan ako about business.
    Mar 21, 2020, 09:43 PM
  • Niel Jhacoubs: Yoh, its been a while.
    Mar 17, 2020, 10:33 AM
  • demi07: Hello everyone! New in pinoymoneytalk :)
    Mar 14, 2020, 01:24 PM
  • theappswitch: Hi!
    Feb 25, 2020, 03:14 PM
  • mike2020: hi po sa inyo lahat
    Feb 23, 2020, 11:52 PM
  • 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