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

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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?


 


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