PMT Forum
Do you want to make money today? :)

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

iam · 768 · 236500


  • Forum Tambay 150
  • ***
    • Posts: 156
    • Likes Received: +0/-0
pinched and xtian,
        let me first tell you that banks that offer equity funds uitf"s don't have influence on the value of the NAVPU ,the value depends on the ups and downs of the stock market.let me remind you that 10-13 yrs investment on these instrument will not guarantee a windfall first how the stock market works.timing is very critical.


  • Junior Member
  • **
    • Posts: 47
    • Likes Received: +0/-0
I did tracking of BDO and BPI UITF since April 2011.  Email me if you want to have a copy, its in MS Excel format.


  • Probie
  • **
    • Posts: 14
    • Likes Received: +0/-0
I am 32 years old and I would want to start investing, as part of my retirement plan. I am in for the long haul. I can make additional investment after the anitial 80K for a maximum of 5K/month for the next couple of years. 

I have been reading about UITF/MF/VUL/Stock Market etc for the last couple of days. I have 80K cash right now and I am willing to take the risks. I am closely looking at investing in UITF BDO Equity Fund (EIP), or probably the BPI counterpart. I am also looking at Citiseconline.

If you were in my shoes...where would you invest the money? Any advise in diversification strategies?


  • Newbie
  • *
    • Posts: 6
    • Likes Received: +0/-0
If I have that money right now, I'll go to the bank right away and put it in equity fund.


  • Probie
  • **
    • Posts: 12
    • Likes Received: +0/-0
MF/UITF is already diversified because its invested with different companies. 80k cash is small amount but a good start for you to invest. If you are willing to take high risk and can sleep with it then it would be better to put that in equity funds or stocks. You can choose to apply for BDO EIP/ BPI RSP/ COL EIP to make additional placement monthly. Check your financial goals first as usually advised here.


  • Probie
  • **
    • Posts: 14
    • Likes Received: +0/-0
I have decided to put in my 100K with Unionbank Large CAp Equity Fund. (UITF). I went to a Unionbank branch yesterday, sabi sa akin ng New Accounts officer, through Branch Manager lang daw ang transaction. Kinakabahan ako, baka itakbo ng branch manager ko investment ko..hehe.. Newbie here..

My question is, what am I suppose to get as a certification na may nai place ako investment?

Secondly, i know may 20% tax. Some say it's incorporated na sa NAVPU. Is it true? For example ang NAVPU price by the time I  pull out my investment is, say, P400 and I have 300 Units. Do i get the whole 120,000 or babawasan pa ng 20% yung 20,000 na na gain ko? Thanks in advance!


  • PMT Idol 1000
  • ****
    • Posts: 1,477
    • Likes Received: +0/-0
Included na sa NAVPU yung taxes...i do not notice any deductions on the navpu value during redemption.


  • PMT Idol 1000
  • ****
    • Posts: 1,407
    • Likes Received: +0/-0
What dont said, also take note that their UITFs have spreads
I think what they're reporting is the mid on their webpage,
and that's the actual NAV but they have a higher price
when you're buying and a lower price when your selling


  • Forum Tambay 200
  • ***
    • Posts: 224
    • Likes Received: +0/-0
Hmmm, with 80 or 100K, I'd be more inclined to use cost averaging via the BDO EIP or smaller investments in any other equity UITF. Nakakatakot lang kasi yung world economy these days. Pag sumabog Europe, 2012 could be 2008 all over again for us. Eh nung 2007, nag invest ako ng malaking amount, only to see it go down to half within 2008. I told myself, if that type of year happens again, I'll use cost averaging para di masyado masakit.


  • Forum Master 400
  • ***
    • Posts: 442
    • Likes Received: +0/-0
Is it advisable to purchase dollar now and have it placed sa UITF, ( Dollar Money Market Fund), kaysa sa Peso Equity Fund? please advise/comments..... tnx. :help:


  • PMT Idol 1000
  • ****
    • Posts: 1,364
    • Likes Received: +0/-0

            @JoC,dito mo ba gagamitin ang pera or sa ibang bansa? may pag gagamitan ka ba ng dollars mo in the future like mag migrate ba kayo, or yung schooling ng anak mo sa ibang bansa where in you will need dollars.Kasi kung dyan ka lang sa Pinas,why invest in dollars? ang alam ko yung ibang tao kaya nag dollar money market kasi sweldo nila are in dollars,ayaw nila papalitan kasi mababa pa ang palit so they park their money sa MMF.


  • Forum Master 400
  • ***
    • Posts: 442
    • Likes Received: +0/-0


  • PMT Idol 1000
  • ****
    • Posts: 1,364
    • Likes Received: +0/-0
I am 32 years old and I would want to start investing, as part of my retirement plan. I am in for the long haul. I can make additional investment after the anitial 80K for a maximum of 5K/month for the next couple of years. 

        If i were you,i would cost average it,meaning if i have 100k to invest in MF or UITF, i will place 20k monthly for 5 months or 25k monthly for 4 months.Inde ok mag lump sum ngayon.


  • Forum Master 400
  • ***
    • Posts: 442
    • Likes Received: +0/-0
        If i were you,i would cost average it,meaning if i have 100k to invest in MF or UITF, i will place 20k monthly for 5 months or 25k monthly for 4 months.Inde ok mag lump sum ngayon.

Wintan.. puede ko bang ma withdraw ang interest ng UITF kapag ng mature/o nag lapse na ang hodling period e.g. 30days. pls. advice.


  • Senior Member
  • **
    • Posts: 66
    • Likes Received: +0/-0
Ung sa BDO po ba na Equity funds.

Kasama din po ba yung kung ilang taon na nakalagak ang  pera sa UITFs sa factor ng pagcompute sa na gain ng pera?


Recent Posts

great vocabulary by AnthonyHor
[Yesterday at 10:39 PM]

Online Vocabulary by AnthonyHor
[Yesterday at 05:47 PM]

Текстиль by Marcushox
[Yesterday at 08:27 AM]

Here's some descriptions of curent e-currencies by Wemowhette
[Yesterday at 08:04 AM]

Where is the choicest vocabulary on the trellis by AnthonyHor
[Yesterday at 12:23 AM]

Where is the superb vocabulary on the trellis by AnthonyHor
[Feb 23, 2020, 11:59 PM]

Where is the best vocabulary on the catch by AnthonyHor
[Feb 23, 2020, 11:58 PM]

Jacob Farms in San Miguel Bulacan by xp
[Feb 23, 2020, 10:34 PM]

СРА-networks by Karlissot
[Feb 23, 2020, 05:06 PM]

Top uk online casino sites review by Larryfug
[Feb 23, 2020, 06:51 AM]

Anyone into flipping houses? by JV26
[Feb 21, 2020, 01:15 PM]

Im Looking for CASH BUYERS in QUEZON CITY by JV26
[Feb 21, 2020, 10:49 AM]

The Trillion-Dollar Lawsuit That Could End Financial Tyranny by AMARANTH
[Feb 20, 2020, 11:32 AM]

Question about Real Estate Taxes (Amilyar) in Quezon City by owstalaga
[Feb 19, 2020, 06:03 PM]

Beware of CDC Realty by yeannahj_5
[Feb 14, 2020, 04:43 PM]

PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • 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, 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
  • Niel Jhacoubs: Hello sa mga online jan! :)
    Jun 15, 2019, 02:58 PM
  • oragon: :applause:
    May 20, 2019, 03:53 PM
  • FutureGizmo: Thank you for reporting those spam posts, oragon! Spam posts now deleted.
    May 20, 2019, 01:59 PM
  • oragon: Admin kindly monitor some peps! posting and sharing inappropriate nude photos and website links
    May 20, 2019, 01:52 PM
  • @culinary10: Hello I am new here! Regarding sa bdo life insurance for 8 years, pwede pa kaya ma refund yung binayad ko na 50k last year? Gusto ko sana icancel kasi lack of financial na, last may 15 2018 po un nag start ako ng life insurance, pinili ko annually kaso etong may 15 2019 wala nako ma ipay so gusto ko sana icash out, may alam ba kayo kung pano marerefund?
    May 17, 2019, 07:56 PM
  • FutureGizmo: Hi Sonny, the posting issue is now resolved. Thanks for informing us! We're currently testing a new, mobile-ready theme so let us us know kung may problema pa sa Forum. :)
    Apr 04, 2019, 10:40 AM
  • sonny.wapak: Nakaka receive din ba kayo nito pag gawa ng new post? "Please try again. If you come back to this error screen, report the error to an administrator."
    Apr 03, 2019, 10:56 PM
  • leonine_zafiro: what product nun?
    Apr 01, 2019, 10:25 PM
  • dhondiex27: hi
    Mar 30, 2019, 10:55 PM
  • lusart: jayrob i agree 200%. hulog ng langit organico. legit na legit
    Mar 29, 2019, 09:08 AM
  • palemelch: Hi
    Mar 28, 2019, 04:08 PM
  • O.C.W._AK: Magandang Araw sa Lahat! Blessings! (",)
    Mar 28, 2019, 08:42 AM
  • thor15: hello everyone, newbie here
    Mar 25, 2019, 01:47 AM
  • captjaylo: present newbie here
    Mar 22, 2019, 10:06 AM
  • balboagilbert26: hello Guys .. Newbie here
    Mar 21, 2019, 10:55 PM
  • businesswoman2019: @jefsanity nag inquire na po ako pero di sila nagdidisclose. Yung branch po kasi na target ko, currently building pa.
    Mar 21, 2019, 04:27 PM
  • jefsanity: @businesswoman2019, much better inquire ka na lang sa admin nila.
    Mar 21, 2019, 01:51 PM
  • businesswoman2019: Hello! Any idea how much ang stall sa waltermart. 2m x 2m
    Mar 21, 2019, 08:28 AM
  • John Neil: Looking for an accredited iron foundry
    Mar 17, 2019, 03:19 PM