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

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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


botbot16

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Hi Everyone, I'm just wondering what are the possible effects of the pending increase in the interest rates on a peso bond fund? Does it mean, it is not the good time to invest in this kind of UITF? I understand that as the effective interest rate increases the FMV of your bonds (discounted value using EIM) will decrease.. Will this result to sudden drop in the value or this has already affected the price of the fund due to the negative sentiment (low demand)?


disturbed

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Hello guys..just want to ask on how do you redeem your UITFs..

for ex..
01/01/11
The NAVPU is 1.00 when I bought it..having an initial investment of 10,000..

Since the NAVPU is being reflected normally around late in the afternoon for the day, and since banks are closed at that time..you would obviously redeem the other day..so how do you get your shares with the current NAVPU and not the NAVPU that will be calculated at the end of the day.

03/01/11 @4PM - NAVPU is 3.0

assumption
03/02/11 @4PM - NAVPU is 0.5

so what are the steps that needs to be taken to make sure I get the NAVPU unit of 03/01/11

When I asked BDO they said I can call so they can pull out my UITF but would that guarantee me the NAVPU of 03/01/11? In BPI, if I remember correctly, they said that the NAVPU of the following day will be used so that would be 03/02/11..I hope I didnt confuse anyone with my query.

Thanks!


disturbed

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anybody want to share comments on my query above ^

thanks in advance!


DonT

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They normally have cut-off times. some banks/ branches have 11am...others 12am...so it only means..
1. Earlier than cut off time..you get yesterday's navpu.
2. After Cut of time....you get the navpu that will appear later in the day.


disturbed

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thanks sir Don't

so it really is possible to get the yesterday's NAVPU..just the thing I wanted to hear. :D


 


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