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

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freefront

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Newbie here, Di po ba Sell High,Buy low? Question ko po, Regarding investing, kailangan ko po bang hintayin mag nosedive o bumaba ang navpu bago po mag-start mag-invest? Regarding Timing po, applicable din po ba ito sa fixed income fund, bond fund.TIA

Maybe you should take a look at the movement of their bond fund? I meant, if you want to buy low sell high. Go to the bank, accomplish all the necessary papers( this is from a person who gets irate at doing the same kind of paperwork. Sometimes, they send you out to photocopy your own IDs, maybe they need another kind than the ones you brought, etc.), and park your money in the product with the lowest risk. Then get back in when you try to time the market, and more than half of the paperwork has already been done--- like the investor profile questionaire :bored:


mxherr5

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Sa akin naman pag umabot na sa 20% target ROI, redeem agad, at yung income ini-invest ko sa Mutual Fund or UITF Fixed Income while yung principal amount naka invest ulit sa Equity Funds..

Do you actually just redeem the 20% gain or the whole amount and then you invest the 20% gain on fixed income funds and then reinvest the principal on equity funds?


DonT

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^I do the same...though I reinvest eveything in equities...when its not good in equities...i'm on money market.


palailai

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Do you actually just redeem the 20% gain or the whole amount and then you invest the 20% gain on fixed income funds and then reinvest the principal on equity funds?

Sir, I redeem all my equity funds, except BDO Equity under EIP...


vgal0579

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3 weeks ago, i have mo idea of investing besides from traditional banking.  I've been looking on how to diversify my portfolio and am glad that I've found this forum. I've learned a LOT! :-)  thanks to all the gurus here. Now i have 2 regular uitf, bdo balanced fund and bpi high conviction equity fund plus am enrolled in 2 bdo eip, balanced fund and equity fund. So far am happy with my investment. Now to diversify more, am waiting for the approval of my bpi trade amd col application to invest in stock market. While waiting ive been reading posts under stock and trading of PMT. This forum helped me a lot to open my mind amd make right decision (hopefully)... :-)


disturbed

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^ ok lang yan sir..we all start somewhere..and I started the same too 7-8 mos ago

goodluck on your investment journey


vgal0579

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jenxent

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hi guys,newbie lang me :hello: dito but i already started investing 10mos ago...my investment ako sa MF at UITF....recently just watch pesos and sense sa youtube at marami akong makuhang pointer dun im inviting you to watch it... :D
hope marami pa akong matutunan dito...


oelski

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Hi, newbie lang din po. I just recently opened a BDO Fixed Income UITF, FAMI Balanced Fund and Philequity Fund. For long term po yung FAMI and Philquity... Yung BDO short to mid term po.

Goodluck po satin lahat. : )


lowprofile888

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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 :)


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 »


krissy

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anyone who has invested in UCPB and BDO UITF? how's the performance? TIA


dimasalang

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anyone who has invested in UCPB and BDO UITF? how's the performance? TIA
May equity ako sa BDO,,masyadong magnda magnda ngayon ang market ewan ko lang kung hanggang kelan,,positive na lahat ng returns ngayon bullish masyado market..di mganda sumabit ngayon wait pa siguro ng konti para bumaba,,pero opinyon ko naman po yun ma'am, maaaring mali ako,,pero uitf naman po yan walang ibang pupunthan yan kundi pataas after 2-3 years..^_^


casanova

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May equity ako sa BDO,,masyadong magnda magnda ngayon ang market ewan ko lang kung hanggang kelan,,positive na lahat ng returns ngayon bullish masyado market..di mganda sumabit ngayon wait pa siguro ng konti para bumaba,,pero opinyon ko naman po yun ma'am, maaaring mali ako,,pero uitf naman po yan walang ibang pupunthan yan kundi pataas after 2-3 years..^_^

yup, maganda yung market ngaun kaya expect good gains. If your going for an entry today, tingin ka ng day na namula ang Index for few consecutive days. I have a BDO UITF, a peso balance and an equity, less than a year pa lang paper gain of 11-13%. Its a long term investment for me. Binigay ko na yung 2 account na yun as a birthday gift for my daughter. But i beg to disagree on "uitf ay walang pupuntahan kundi pataas" uitf and mutual fund is not imune to bear market. Mas makikita mo nga effect nyan sa kanila konting problem sa market and NAV drops lots of people might pull out thier investment causing further drop.


cellwhiz

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BDO UITF 6 na types ata yun, PMMF (money market fund), bond fund, balanced fund, may equity fund pa. They have this calculator in BDO trust website wherein you can calculate your gains/loss just by entering the period and the amount of investment that you placed. So far, Yung equity fund ang may pinaka mgandang return kasi nga bullish ang trend ngaun. Tama, the best entry is when the Index is in the red zone. Kasi if you participate in UITF when the market is at all time high, most likely negative ka agad pag nag correct. But who knows di ba? They also have this EIP easy investment plan. You might also check this out.



dimasalang

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yup, maganda yung market ngaun kaya expect good gains. If your going for an entry today, tingin ka ng day na namula ang Index for few consecutive days. I have a BDO UITF, a peso balance and an equity, less than a year pa lang paper gain of 11-13%. Its a long term investment for me. Binigay ko na yung 2 account na yun as a birthday gift for my daughter. But i beg to disagree on "uitf ay walang pupuntahan kundi pataas" uitf and mutual fund is not imune to bear market. Mas makikita mo nga effect nyan sa kanila konting problem sa market and NAV drops lots of people might pull out thier investment causing further drop.


Tama po yung affected din ang UITF pero sa tingin ko malayo kesa sa stocks, masyadong diversified yung uitf kaya di gano ka risky, maliban nalng pag nagkaroon ng biglang global crisis, pero kaya ko nasabi na walang pupuntahan yan kundi pataas,after ng crisis dun ulit sa taas pupunta yan...wala namang economy na di na bumangon after masalanta..^_^ lalo na ngayon sabi nga nila nasa tuwid na daan,,sa daang bawal ang wang wang..hehe..bumaba man yan automatic babawi yan,yan naman ang pinakita ng history ng UITF,mula nung nagopen sila..kaya invest na..habang bata pa ang UITF..


jenxent

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BDO equity din yung sakin nasa 16-18% paper gain after 10mos,sa tingin ko basta nka.pag investment ka ng maaga.aga sa mga equity fund eh maganda talaga ang kalalabasan kahit sa MF :applause: :applause: :rakenrol:


dimasalang

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Tama mas maaga pasok mo mas ok..pero may pagkakataon din na timing ng market tulad last oct2011 sobrang bumaba pero biglang lumipad din by the same month..swerte nalng siguro kung matapat ka sa mababang presyo ng NAVPU,,bear market pinakamganda pumasok sa uitf pag affected na ang unit price..


vgal0579

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But even the most intelligent person will not know the right timing... Nobody csn predict the exact date when is the best time to enter this investment...

Just my two cents worth... :-)


dimasalang

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joconcepcion

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maganda ang UITF based on my experience!
Pang LONG TERM talaga po siya...


DonT

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My BDO UITF is doing well. Can't beat it yet by investing directly in stocks.


joconcepcion

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My BDO UITF is doing well. Can't beat it yet by investing directly in stocks.

specially yung BDO equity bonds sir, tama po ba?


vgal0579

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compared to BPI HI-CON and BDO Fixed and Equity, I'll go for BDO...  :watchuthink:

BDO gives much higher return than BPI kasi on my case with the same settlement date....   :yoohoo:



joconcepcion

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DonT

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i did have MBT before...but the fund performance and branch service sucks...
Kaya i closed my account sa kanila. BDO pa rin. I am trying now BPI.


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

tanong po, sorry newbie, ano pagkakaiba ng BDO UITF at EIP UITF?tia

Post Merge: 1333072409
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: 1332501840
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..

dimasalang, ano yung trust certificate? sa regular UITF lang ba yun? pareho lang ba ang inooffer ng BDO UITF? the only difference eh, when enrolled in EIP it is automatically debited to savings account pag regular UITF derechong cash ang pagbabayad o pagiinvest sa chosen UITF? prang naguluhan ako. parang ang nadiscuss lang during the seminar i attended regarding EIP if nareach na ang minimum dun ka lang makakakuha ng Certificate of Partipation (COP). same as trust certificate ba yun? waah! ang gulo! please enlighten me. thanks!
« Last Edit: Mar 30, 2012, 09:53 AM by bravelicious »


mxherr5

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^

EIP is just a payment method for UITF.

So if you don't have 10,000 to invest, you
can enroll in an EIP and then you can invest
as low as 1,000 per month in your chosen
UITF.

Or if your rich but don't have time to go to
the bank every time then you can basically
automate the investment process.

I believe that your right, dima is referring to
the certificate of participation when he said
trust certificate


vgal0579

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tanong po, sorry newbie, ano pagkakaiba ng BDO UITF at EIP UITF?tia
@bravelicious, BDO UITF is the regular UITF meaning you need to invest PhP100K (money fund) or PhP10K (other UITF) or $2K (dollar) in single time..  Once you have invested it, you will get your COP 7 working days (based on my experience) where you invested your money....  For EIP UITF, you only need minimum of PhP1k or $500 per month to be deducted in your BDO account either once or twice a month... you will get your COP once you have reached the minimum requirement for regular UITF...  hope this helps... =)


dimasalang

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@bravelicious, ang pagkakaiba lang po nun pag nareach na ng EIP mo yung price automatic bibili siya ng unit pero kung direct ka at hindi EIP pwede kang magisip muna kung ok ang price ng NAVPU oh masyadong mahal,cost averging ka tlga pag EIP pero pag direct medyo may konting twist,SUPER EIP tawg ni BO dun,pero mganda din yung EIP kasi automatic yun chaka di mo kelngang pumunta palagi sa bank,pag direct ikaw ang pupunta lagi para mamili ng unit,,kaya depende din sayo ano mas ok sayo.. ako kasi direct malapit lang ako sa bdo bank, at mas prefer ko yung maganalize muna ng market bago pumasok ulit..save muna sa sarili tapos pasok na pag ok na sa tingin ko yung price sa target date ko ng exit..

trust cert=COP po pala..


bravelicious

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thanks mxherr5, vgal0579 and dimasalang. nalinawan na ko. tanong ulit pano ko malalaman na may COP na ko if ever umabot na sa 10K yung inenroll ko sa EIP na BDO Equity at Peso Fixed Income? iemail ba ko o ittawag ko sa branch? gusto ko rin sna magopen ng BDO Peso Money Market, pero short term lang halimbawa, say three months. pwede ko ba iredeem yun kahit wala pang 100K na minimum investment sa BDO PMM? it means wala pa kong COP nun?chaka without charge yun di ba? kasi wala namang holding period yun? tama ba? sori po maraming tanong.. 


dimasalang

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tatawagan ka po ng bdo at sasabihin na available na yung COP mo,,pang short term po tlga yung money market,kung di ka pa naman umaabot sa 100k di ka pa maeenroll dun kaya no need magwithdraw di ka pa po pasok sa uitf nun,ibig sabihin naka tengga palang pera mo nun,kung pwede mong iwithdraw malamang po pwede naman..pero kung money market sir,mukang di maganda mag EIP,medyo malaki capital na kelngan dun maliban nalng po kung mga 50k/month ang nahuhulog nyo ^_^ without charge po tlga yun kasi nga po di pa kayo enrolled,at walang holding period at walang COP..^_^


vgal0579

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@bravelicious, based on my experience, I have 5 UITF enrolled in EIP under my account, for two months now.  Last week I wanted my kids to have their own UITF EIP.  So I withdrew 2 EIP (not reaching the minimum for COP) and got it in 4 days with interest already (5.++%) without charge since deductions are already incorporated in NAVpu...  Then I enrolled 1 UITF each to my kids starting this April... hope this helps...


bravelicious

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@bravelicious, based on my experience, I have 5 UITF enrolled in EIP under my account, for two months now.  Last week I wanted my kids to have their own UITF EIP.  So I withdrew 2 EIP (not reaching the minimum for COP) and got it in 4 days with interest already (5.++%) without charge since deductions are already incorporated in NAVpu...  Then I enrolled 1 UITF each to my kids starting this April... hope this helps...

ok thanks po. baka kasi this month eh magkabonus kami sa office may travel kami on June ni hubby. by the way girl po ako. balak ko iinvest sa PMMF ng BDO. so pwede pala? o meron pa ba kayong ibang magssuggest wer can i invest na pwedeng lumago in span of three months..wag stocks ha, wala talaga akong idea doon. TIA


bella_cor

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nung December, i invested sa BDO Equity Fund. Nilagay ko yung travel fund namin na 20thou. Nung niredeem namin last month, 10% din yung gain.

we will never know talaga kung maggagain yung funds. naglagay lang kami ng target na kapag di nareach yung 10%, hold lang muna yung funds.


bravelicious

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^nagenroll kami sa BDO Equity Fund thru EIP last month lang.so will you suggest kaya na ideposit na lang namin yung travel fund namin  sa BDO EF namin tapos iredeem na lang yung amount na for the travel alone at iwan yung iba? pwede ba yun? hindi lahat irredeem? partial amount lang? pag ganun ba hanggang hindi ka nagunsubscribe automatic debit pa rin...thanks!   


bella_cor

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^nagenroll kami sa BDO Equity Fund thru EIP last month lang.so will you suggest kaya na ideposit na lang namin yung travel fund namin  sa BDO EF namin tapos iredeem na lang yung amount na for the travel alone at iwan yung iba? pwede ba yun? hindi lahat irredeem? partial amount lang? pag ganun ba hanggang hindi ka nagunsubscribe automatic debit pa rin...thanks!   

pede ka rin bumili ng UITF on top of your EIP.

pede magpartial redeem. basta yung maiiwan, at least 10k, which is the minimum participation amount.

auto debit pa rin unless mguunsubscribe ka, which will need you to fill out a form.

wala akong EIP. pinambili ko lang yung nasa savings account ko.


bravelicious

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^pano ba bumiling regular UITF? newbie kasi ako. nagseminar na ko BDO EIP lang. so wala talaga kong idea kung pano yung regular UITF? BDO Equity Fund ba ang maganda for my plan na travel fund? o ano kaya? thanks!


bella_cor

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punta ka sa branch. sabihin mo lang magpplace ka ng UITF. bibigyan ka ng CoP, nakalagay dun yung NAVPU and number of units na nabili mo.

actually, yung sa EIP mo, once na makaipon yung ng 10k, saka lang nila ipplace yung pera sa UITF. saka ka lang makakakuha ng COP.

madami pa types ng UITF. we also have BPI Odyssey (Peso Bond and High Conviction Equity).

read mo yung sa websites ng mga banks. and choose the vehicle that suits your profile


bravelicious

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actually, yung sa EIP mo, once na makaipon yung ng 10k, saka lang nila ipplace yung pera sa UITF. saka ka lang makakakuha ng COP.

prang sis yung sabi sa seminar, kahit 1K pa lang ininvest aandar na ang investment hindi siya tengga, pero ang spin off eh pag naka10K ka na if yun ang minimum investment at dun ka pa lang bibigyan ng COP. which is better ba, BPI UITF or BDO UITF?


mxherr5

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actually, yung sa EIP mo, once na makaipon yung ng 10k, saka lang nila ipplace yung pera sa UITF. saka ka lang makakakuha ng COP.

Tama po si brave, ang 10k ang threshold para ma issuehan ka ng COP
pero yung pera mo, na iinvest na agad yun sa chosen UITF mo.

@ brave,

BDO for me =D
BPI's performance sucks pero ok ang BPI in other aspects.
1k lang minimum investment amount
Pwedeng mg redeem at invest online.. Walang hassle


vgal0579

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^nagenroll kami sa BDO Equity Fund thru EIP last month lang.so will you suggest kaya na ideposit na lang namin yung travel fund namin  sa BDO EF namin tapos iredeem na lang yung amount na for the travel alone at iwan yung iba? pwede ba yun? hindi lahat irredeem? partial amount lang? pag ganun ba hanggang hindi ka nagunsubscribe automatic debit pa rin...thanks!   
@bravelicious, you need minimum of PhP10K to transact on BDO UITF then PhP1K succeeding.  For every COP issued, you need to withdraw all.  If EIP naman, kahit di pa nareach ang PhP10K at walang COP, pwede mo redeem lahat.  Tama ka, til di ka nag-unsubscribe, deretso pa rin deduction.  As update, enrolled again on 2 UITF yesterday.  Kasi ang baba na ang interest pag savings o current account, less than 1% per annum un.  Between BDO and BPI, so far as of now, I can say that BDO performed better.  But I've read somewhere that the top 3 UITF is from BPI at walang pumasok sa Top 10 ang BDO..... hmmmmmm....  :boxing:


mxherr5

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@bravelicious, you need minimum of PhP10K to transact on BDO UITF then PhP1K succeeding.

1k succeeding? Talaga? Since when?
As far as I know its been 10k initial and succeeding.
That's good news.
Let me check BDO's site again =D

Between BDO and BPI, so far as of now, I can say that BDO performed better.  But I've read somewhere that the top 3 UITF is from BPI at walang pumasok sa Top 10 ang BDO..... hmmmmmm....  :boxing:

It might have been BPI's Odyssey Funds
May sales load nga lang yun
Sayang.
Hihintayin ko ma expire contract nila sa mga 3rd party broker
at pwede na nilang tanggalin ang sales load


jenxent

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1k succeeding? Talaga? Since when?
As far as I know its been 10k initial and succeeding.
That's good news.
Let me check BDO's site again =D


EIP or easy investment plan ata yung ibig sabihin niya sir...


greeevanz

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Was about to invest yesterday in BDO's and BPI's equity UITFs respectively (for the first time ever) pero preferred to do it next week coz I thought North Korea's rocket launch might shake things up a bit and lower the NAVPUs.

But holistically considering buti nalang palyado yung rocket at failed yung launch.

Tong si Kim Jong Un dapat dalhin to sa Bocaue para mag-seminar dun sa mga gumagawa ng paputok.  :harhar:

Planning to invest both at a minimum 10k each of 'em.

Any tips and suggestions will be highly appreciated guys. :D

Planning to invest in MF's balanced or equities as well (FAMI).
« Last Edit: Apr 13, 2012, 09:54 AM by greeevanz »


vgal0579

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EIP or easy investment plan ata yung ibig sabihin niya sir...

10K minimum for succeeding (if you've placed 100K already) is for BDO Peso Market...

but for EIP, you only need 10K minimum and succeeding...

I've added another 2 UITF (this is separate from my 1st), PBAL and Equity because compared to BPI High Conviction Fund, it already gave me a return of 9% while sa HConv, if you will include the upfront fee, nasa 3% lang....




greeevanz

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Need advise sirs. Super newbie here. Been reading a lot lately coz I'm trying to invest into UITF and MF.

I went to BDO and BPI respectively to check their respective UITFs (BPI's hicon and BDO's equity funds) and BDOs NAVPU is at 299 while BPI if i remember correctly stands at 190(?) around that not sure can't remember.

My question (or perception/plan) is could I assume that since they have the same 10k initial, considering the NAVPUs if I go with BPI I can get more shares over BDO...is that strategy making sense?

Sorry for all these silly questions and thanks very much in advance for any advise I can get.


mamee

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Re BDO EIP paano kung mag invest ako ng 10k per month?  Mag automatic spin off sya every month?



dimasalang

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Need advise sirs. Super newbie here. Been reading a lot lately coz I'm trying to invest into UITF and MF.

I went to BDO and BPI respectively to check their respective UITFs (BPI's hicon and BDO's equity funds) and BDOs NAVPU is at 299 while BPI if i remember correctly stands at 190(?) around that not sure can't remember.

My question (or perception/plan) is could I assume that since they have the same 10k initial, considering the NAVPUs if I go with BPI I can get more shares over BDO...is that strategy making sense?

Sorry for all these silly questions and thanks very much in advance for any advise I can get.

yup more shares po tlga,pero di po shares ang usapan,interest...marami ka nga pong shares di naman tumataas presyo ng nAVPU mo,depende ang kita mo sa laki ng tinaas ng NAVPU nyo po hindi sa dami ng shares nyo,..^_^


greeevanz

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yup more shares po tlga,pero di po shares ang usapan,interest...marami ka nga pong shares di naman tumataas presyo ng nAVPU mo,depende ang kita mo sa laki ng tinaas ng NAVPU nyo po hindi sa dami ng shares nyo,..^_^

I see sir.

Thanks for the inputs!


silent_investor

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@bravelicious, based on my experience, I have 5 UITF enrolled in EIP under my account, for two months now.  Last week I wanted my kids to have their own UITF EIP.  So I withdrew 2 EIP (not reaching the minimum for COP) and got it in 4 days with interest already (5.++%) without charge since deductions are already incorporated in NAVpu...  Then I enrolled 1 UITF each to my kids starting this April... hope this helps...

vgal, please check yung nakuha mong funds... If nag withdraw ka bago ka nabigyan ng COP (meaning di pa umaabot ng 10K) may charge daw yun. Maliit lang naman, .5% lang. So kunwari 6% dapat kinita mo, dahil sa charge na yun, 5.5% lang makuha mo.

yung deductions na nabangit mo, baka po yun yung trust fee. Tama na nakapasok na ito sa pag compute ng NAVPU.

Post Merge: 1334899920
pede ka rin bumili ng UITF on top of your EIP.

pede magpartial redeem. basta yung maiiwan, at least 10k, which is the minimum participation amount.

auto debit pa rin unless mguunsubscribe ka, which will need you to fill out a form.

wala akong EIP. pinambili ko lang yung nasa savings account ko.

Yes, pwede ang partial redemption. Basta ata ang pag redeem e base sa COP mo. Kunwari may 3 COP ka na, pwede mo redeem isa lang or dalawa lang.

Post Merge: 1334900459
1k succeeding? Talaga? Since when?
As far as I know its been 10k initial and succeeding.
That's good news.
Let me check BDO's site again =D

It might have been BPI's Odyssey Funds
May sales load nga lang yun
Sayang.
Hihintayin ko ma expire contract nila sa mga 3rd party broker
at pwede na nilang tanggalin ang sales load

mxherr5 is correct. Naguguluhan ata tayo on direct UITF or EIP. Para po malinaw: Kung direct placement sa BDO Equity Fund you would need at least 10K to invest. Lahat din ng kasunod, minimum of 10K.

If sa EIP po, lowest possible contribution is 1K. Ito bale yung amount na kukunin sa BDO account natin every contribution. Pwede rin mas mataas, meron ako 3K ang bawat bawas every 5th of the month.

May nagbangit pala na 10K initial daw tapos pwede na 1K sa susunod. Sa BPI po yun. Tawag nila Regular Subscription Plan (RSP).
« Last Edit: Apr 20, 2012, 01:40 PM by silent_investor »


mxherr5

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Yeah.. bummer. Akala ko pa naman 1k nlang rin ang BDO hehe


sneaker23

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Yeah.. bummer. Akala ko pa naman 1k nlang rin ang BDO hehe

yes, 1k ang bdo.

i attended their may 5 seminar

marami silang uitf , pero 4 lang ang eip, 3 PESO (fixed, balance & equity) of which 1k lang ang initial at succeeding. ang peso money market starts at 10k initial.

para mas malinaw

peso money market - 10k initial, succeeding 1k
peso fixed income, peso balance & peso equity - needs only 1k initial at 1k succeeding

http://trust.bdo.com.ph/trustwebsite/personal-page.asp?pid=812

i think sila na ang pinakamura.
« Last Edit: May 12, 2012, 01:23 AM by sneaker23 »


mamee

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