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

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DonT

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^Have you read the what the different types of UITF's being offered by the banks?

Normally kung long term naman ang horizon...go for equity.


jenxent

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Hi, I am a newbie too. I would like to seek advice regarding which UITF to invest in. I'm looking for a long term investment, I will set aside a certain portion of my salary monthly for it. I have a savings account in BPI and BDO,  thank you :)

sir you can check sa website ng BDO,kasi para malaman no kung anong klasing investor ka aggresive kaba,moderate or conservative...

happy investing po sa inyo...


ferrariEverest

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Sir,
bawat tao iba.
u should research yourself & decide based on your personal investment profile & goals.
http://www.monitormyfunds.com/

take charge of your financial future :)


lowprofile888

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Thank you @DonT and @jenxent. I'm thinking of investing in BDO equity and fixed income fund. Is there a good or bad time to invest on those two?


jenxent

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silent_investor

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There really are so many views on the debate between cost averaging and lump sum investing. Since both do have pros and cons, what do we do?

I've personally tried both and based on the results, I'll continue to do both as well. Here are some thoughts:

1. I have work. It sometimes get in the way of investing especially when I want to time the market. So I do cost averaging on some of my funds. The money I use for cost averaging comes from my salary. Thus, as money comes in, a certain percentage goes out and is invested automatically. (BDO EIP) I agree with a previous post that I shouldn't wait for my savings to grow very big before investing especially if my monthly savings is already enough to be invested.

2. For funds that are already invested, I do try to time the market. Pulling out when the market falls or about to fall, and come back in when the market is poised to go up. By the way, I only do this for my stock investments and my equity UITFs. To be able to do this with a certain degree of confidence, I learned about technical analysis and read as much investment news as I can to see how others see the market.

3. Let me share one experience where cost averaging worked over lump sum investing. Last year, my funds in the equity fund grew by only 2%. But my EIP on the same equity fund, grew by 6%.

4. Let me also share one experience where lump sum investing won out, in 2009 when the market rose more than 50%.

My final point is this: let us increase our knowledge about these investing styles. Then, try to determine the possible direction of the market and use the appropriate investing strategy.

To our prosperity!


noipsg

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2. To be able to do this with a certain degree of confidence, I learned about technical analysis and read as much investment news as I can to see how others see the market.

Sir silent_investor, would you be able to share your strategy how the above is done like for the news, which website or newspaper you get the info? What particular info/indicator you are looking for. Sensya  na noob lang po. :)


DonT

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There is no single strategy which will work in all occasions, situations and for everybody.

Everybody has different financial standing, capacity and knowledge...therefore....different financial strategies are required

What is left for us to do is to know where we are...and what strategy matches with it.


jenxent

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There is no single strategy which will work in all occasions, situations and for everybody.

Everybody has different financial standing, capacity and knowledge...therefore....different financial strategies are required

What is left for us to do is to know where we are...and what strategy matches with it.

availability ng resources :D :hihi:


ferrariEverest

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.. how the above is done like for the news, which website or newspaper you get the info? What particular info/indicator you are looking for.
Sir,
kung tungkol sa technical analysis:
www.Forexfactory.com
go to james16 thread ----  thread that teaches about support & resistance trading..... S&R ang isa sa pinakamagandang 'indicator'.

www.forexfactory.com/calendar.php    -- news
http://stockcharts.com/school/doku.php?id=chart_school:chart_analysis
www.investopedia.com
www.babypips.com    -- basics of TA, may 'school' dito

if u are interested in learning about TA, u can post questions sa Forex at Stock Trading subforum dito sa PMT. u can also PM me.
Good luck sa 'journey' mo!


silent_investor

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Sir silent_investor, would you be able to share your strategy how the above is done like for the news, which website or newspaper you get the info? What particular info/indicator you are looking for. Sensya  na noob lang po. :)

Noipsg, in technical analysis, I learned about trends and formations. Basically, uptrend is good, downtrend is not. There are some bullish formations and bearish formations which can "predict" the next move of the market. I would suggest you attend a technical analysis seminar. You can check out Absolute Traders, Citiseconline also offers free (or minimum fee) seminars and I think even our very own PSE offers it too.

Newspapers:Philstar at home (Philequity corner every Monday), and Businessworld at the office.

Websites: Absolute Traders, PMT, Citiseconline also has their own technical analysis available to their clients.

Don't worry about your questions. We are all here to learn from each other. Hopefully, in time, you'll pay it forward too and be the one answering the questions here.


bravelicious

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My husband enrolled in BDO EIP, Peso Fixed Income Fund and Equity. tanong lang why prang walang ibang forms na pinaaccomplished sknya Enrollment lang. Even photo nga walang nirequire? Dpat di ba prang may magfill out kami ng IPQ, RDS at CIS forms. Or dahil may account na siya dun no need na? TIA


vgal0579

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^bravelicious, i also have eip as well as regular UITF.  if meron ka ng regular UITF, enrollment form lang need.  yun ang pina-fill out sa akin...

but if you don't have regular UITF account and hindi na nagfill-out ng form... baka need na i-clarify... kasi yung kasabayan ko na nag-apply, tinanong siya kung meron na syang regular UITF, nung sinabi na wala, merong additional form "risk assessment" ang nabasa ko...

hope this helps... :D


bravelicious

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^bravelicious, i also have eip as well as regular UITF.  if meron ka ng regular UITF, enrollment form lang need.  yun ang pina-fill out sa akin...

but if you don't have regular UITF account and hindi na nagfill-out ng form... baka need na i-clarify... kasi yung kasabayan ko na nag-apply, tinanong siya kung meron na syang regular UITF, nung sinabi na wala, merong additional form "risk assessment" ang nabasa ko...

hope this helps... :D

hala..first time yun, wala pa kaming regular na UITF sa BDO. dami kasing tao sa BDO branch where we enrolled our savings account, sa mall kasi para kahit saturday at sunday may bangko kaya dun kami kumuha. dun din ko ba kailangang iclarify? o sa kahit anong branch? thanks sa reply.


dimasalang

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hala..first time yun, wala pa kaming regular na UITF sa BDO. dami kasing tao sa BDO branch where we enrolled our savings account, sa mall kasi para kahit saturday at sunday may bangko kaya dun kami kumuha. dun din ko ba kailangang iclarify? o sa kahit anong branch? thanks sa reply.
Ganto din nangyari sakin sa UITF ko,,kaso naginsist ako na dapat may form kayong ipapafill up sakin which is yung IPQ, RDS at CIS nga,ayun dun lang nila inabot sakin yung form.,,di nila alam products nila hehe,,pero mukang di naman kasi kelngan nun talga SOP lang ng BSP para sa security ng customer,di man lang nga nadiscuss sakin yung UITF eh,sabi lang sakin wag daw ako pumasok dun at di raw sure yun,,^_^ inintindi ko nalng..hehe,mahalaga lang po yung trust certificate nyo..wala na yung mga form form na yun echos lang din naman yun,,

Post Merge: 1332501883
Ganto din nangyari sakin sa UITF ko,,kaso naginsist ako na dapat may form kayong ipapafill up sakin which is yung IPQ, RDS at CIS nga,ayun dun lang nila inabot sakin yung form.,,di nila alam products nila hehe,,pero mukang di naman kasi kelngan nun talga SOP lang ng BSP para sa security ng customer,di man lang nga nadiscuss sakin yung UITF eh,sabi lang sakin wag daw ako pumasok dun at di raw sure yun,,^_^ inintindi ko nalng..hehe,mahalaga lang po yung trust certificate nyo..wala na yung mga form form na yun echos lang din naman yun,,

wag din po kayo kabahan ^_^ mahalaga mabigyan kayo ng trust certificate yung mga forms problema nila yun pag dating ng audit nila hehe..^_^ kabahan kaya after one week at wala pa kayong certificates hehe ayun malamang kabahan kayo ng husto..
« Last Edit: Mar 23, 2012, 07:24 PM by dimasalang »


 


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