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

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mxherr5

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That's right.. So if the NAV was 2 when you placed your investment
but the NAV is 1 when you pull it out. You'd be losing 50% of your investment


ishkalafufu

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I was planning on investing very soon in the Unionbank Large Cap Fund (which according to my research online, did very well in the past 2 years). Mejo na dismaya nga lang ako because the current NAV is quite high :D The Unionbank Relations Manager suggested their Peso Balanced Fund which they just launched last February of this year, and from what I've seen of UITF performances in the 1st quarter of this year, this UITF seems to be doing quite well (so far), ranking second highest with a very small margin from the highest in rank. The guy said that they're even expecting profits by the end of the year (for this UITF) of around 80%.. I was thinking to myself, ang over-confident naman.. hehe

But what do you guys think? Anybody else with plans on investing in Unionbank UITFs soon?

I know their annual fees are quite high sa Unionbank (2% ata almost lahat), but I'm thinking their funds all seem to be doing quite well naman (so far and in the past year or so) ..besides, a high annual fee is nothing kung kumikita naman ng malaki ang pera mo.. (well somebody mentioned something to this effect in a thread in this forum somewhere.. :D)

Any insights guys?


true_blood

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question lang po sa mga pros dito, sa mga nagcocost averaging dyan sa mga UITFs, do you get a separate certificate for every additional investment? If so e di after 5 years or so at magreredeem na you have like 30+ certificates , or they will just add up from my original certficate yung suceeding investment para i have 1 certificate lang


mxherr5

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Yes, po.. separate certificate per investment.
Hindi tulad sa mutual fund.. receipt lang.


allanmm13

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I think UITF you cannot have a Statement of Account (SOA) for all certificates.
For mutual fund (like FAMI), i can request this (SOA) for all receipts for the regular investments i made.


jcruze057

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when do you think is the best time to invest in mutual funds?


allanmm13

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Mostly, it depends when you will need the fund

Based on historical returns, this is my guidelines:

bond mf for short term goals
balanced mf for medium term
equity mf for long term
« Last Edit: Jun 05, 2011, 08:03 PM by allanmm13 »


luranski

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In Bdo, you can check your SOA thru their BDO online. =)


silent_investor

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For most UITFs, you can see their daily values here with matching chart pa: http://www.uitf.com.ph/

Someone asked earlier about knowing the performance of his/her BDO Balanced Fund, you might be able to use this: http://trust.bdo.com.ph/trustwebsite/calculator.asp

Agree with Luranski, if you are enrolled in their internet banking, you may enroll your BDO UITFs there so will see its current market value anytime. This is what I did so no more manual computing of NAVPU x No. of Units.


kitkat

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hello po, balak ko po sanang maginvest ngaun sa equity fund ng bdo, mukha kcng mas competent cla kesa sa bpi, ask k lang po, mga kelan m pa makukuha ang certificate,, kc alis ako next week,, thanks po in advance,.


luranski

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true_blood

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i tried to enrol my uitf sa bdo online, ano po iyong CIF? ung Client master no. inimput ko as what was written dun sa certificate, pero ung CIF automatic na may no. na ung box, do i need to change it pa ba? Where can i get that no.?


mxherr5

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When I enrolled mine, hindi ko na pinalitan. yung client master # lng ang ininput ko


xtian001

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Want to invest in UITF with BDO but still have a lot of questions at sana ma-guide nyo ako. Planning to invest about 100k to 200k.

1. If I'm planning for a long term investment, say 2 years, tama ba na sa BDO Peso Equity Fund ko ilagay yung pera?

2. With the Equity Fund, do I need to pull out the whole investment everytime na tumaas na yung value nung NAVpu then invest again when the prices go down or is it better to leave all the money for 2 years without touching it?

3. Pwede ba parang joint account yan na nakapangalan sa dalawang tao so anyone can pull out the money if needed?

Hoping for your help para makapag decide ako.. Thanks!


DonT

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Want to invest in UITF with BDO but still have a lot of questions at sana ma-guide nyo ako. Planning to invest about 100k to 200k.

1. If I'm planning for a long term investment, say 2 years, tama ba na sa BDO Peso Equity Fund ko ilagay yung pera? Yes...invest money that you don't need.

2. With the Equity Fund, do I need to pull out the whole investment everytime na tumaas na yung value nung NAVpu then invest again when the prices go down or is it better to leave all the money for 2 years without touching it? ..... Its really up to you..when the profit is good enough..no need to wait for 2 yrs..it happens..it could also happen that 2 yrs na..negative ka pa rin.

3. Pwede ba parang joint account yan na nakapangalan sa dalawang tao so anyone can pull out the money if needed? ...I think yes.

Hoping for your help para makapag decide ako.. Thanks!


 


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