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

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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?


 


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