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

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allanmm13

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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!

2 years in not long term.. I am either in Balance or Bond fund for this medium term.
« Last Edit: Jun 21, 2011, 10:40 PM by allanmm13 »


xtian001

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So I can withdraw the money after 30 days as long as I see that it gains value or whenever I see gains? Or better to leave the money intact for 2-4 years, riding the ups and downs is better?

Looking at the previous history of the Equity funds, the gains are higher than the lows. Of course, one knows that you really can't base the gains from previous years. Pero it's still an upward trend for the past 5 years.

Kaya nga, the question is, for a medium (2 years) to long term (5 years) investment, would you just leave your Equity Funds untouched or better to buy and sell every time the opportunity knocks?
« Last Edit: Jun 22, 2011, 02:16 AM by xtian001 »


allanmm13

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You can test your inquiries by pulling the historical monthly NAVPS for the last five years and then do simulation in excel.

Use one time big time investment, cost average and this 30days scenario to see which will give you better results before you employ the method you wanna go with.



mxherr5

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@allan, I agree, 2 years might be too short.
sabi nila there hasn't been a 10 year period that has been
negative

I took the liberty of trying to see if you're going to get
a negative or a positive return if you only invest for 2 years
As per my very rough spreadsheet calculation, 68% of the time
you'll get a positive return and 37% of the time you'll get
a negative return


xtian001

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@allan, I agree, 2 years might be too short.
sabi nila there hasn't been a 10 year period that has been
negative

I took the liberty of trying to see if you're going to get
a negative or a positive return if you only invest for 2 years
As per my very rough spreadsheet calculation, 68% of the time
you'll get a positive return and 37% of the time you'll get
a negative return

So the longer it stays, the better instead of pulling out your money when you see gains, then buying when there's a low?


allanmm13

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I took the liberty of trying to see if you're going to get
a negative or a positive return if you only invest for 2 years
As per my very rough spreadsheet calculation, 68% of the time
you'll get a positive return and 37% of the time you'll get
a negative return

Try mo uli yung simulation between mid 2007 to mid 2009, thats the recession period. Try between a equity and balance fund kung sino ang mas ok results during that time.

Base dun sa silmulation na ginawa ko, kapag nainvest ka before 2004 and below, kahit noong recession of 07-09 eh me kita pa rin ang fund.


diogz

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Hi, san po kayo nakakakuha nung mga historical NAVPs?
Thanks.


arnel

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icap.ph

Post Merge: 1308901184
oopsss,,, UITF pala, engot naman ako sagot ng sagot hehehe,,, sa websites ng bank mismo kung UITF,,


xtian001

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Which is a better product?

Metrobank's FAMI SALEF or BDO's Equity Fund?


mxherr5

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^

If FAMI doesn't have any sales load, I'd prefer it over
BDO's equity fund..
Performance wise, FAMI is definitely better than BDO
@diogz, meron po sa uitf.com.ph pero hindi lahat ng UITF andun.

@allan, i'll have to do that some time. The balanced fund should
have better performance if one wants to redeem during a bear market.

That sounds about right since the index was at 1,400 at the
start of 2004 and 3,500 in the end of 2009


wrobles

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Hello po sa lahat. Bago lang po ako rito and working abroad. want sana mag invest but don't know kung anong magandang pasokin na investment. wla rin po ako knowledge pa masyado bout sa mga mutual funds/UITF/VUL investing. it would be appreciated if someone could help me understand those.  salamat po sa sasagot.


luranski

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pinched

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Hello guys..

I've been reading the threads since last weekend and I'm convinced to invest sa UITFS. I'm going to both bdo and bpi on Friday. Any suggestion kung san maganda mag invest? I'm thinking BPI and BDO equity.

Long term naman yung plan ko. Plan ko is invest ko yung money and forget about it for 10-13 years. Any suggestion will be greatly appreciated. Thanks!


xtian001

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If I have 250k, is it better to place it in one basket, say BDO Equity, or better to split it to Metrobank Equity and BDO Equity.

Mukhang maganda naman ang performance nila the last 2 years.


 


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