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

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ryannimizm_24

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http://www.bloomberg.com/markets/funds/country/philippines/

dito ako ng che-check,pati ibang funds makikita din and stock meron din... :thankyou: :applause: :applause:


johnplmc

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Do UITFs impose a 20% Final Tax on Interest vs a Mutual Fund who is Tax Leveraged? TIA.

Same question din... Please response naman kung sino mabait dyan...


DonT

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It may or may not...but if ever it does..its already included in their calculation of their NAVPU. Units x NAVPU is the net of what you will get.


bravelicious

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Hi! tanong ko lang pano ba magcompute kung magkano na value ng investment. we enrolled in BDO EIP Peso Fixed Income Fund last March 2012, I assumed na this month eh umabot na kami sa minimum investment na 10K? 2K per month ang auto debit sa account namin. o tama yung nasa isip ko na depende sa market kaya siguro up to this date hindi pa siya umaabot sa 10K? if ever umabot na sa 10K ang value ng investment, how long will I wait for BDO representative to call me to get my COP? weeks? days? TIA 


axljackass

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good day po.
mga sir newbie lang po here, ask ko lang po sana yung meaning ng "Holding Period"?
after po ba mag elapse na yung holding period pwede ko na sya ibenta without early redemption fee tama po ba?kailan ko po ba pwede na ibenta without any additional fees na babayaran pa.

thanks po.


RoiN

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@bravelicious: Hindi ka yata nila tatawagan. Ikaw mismo ang pupunta dun. I suggest mag enroll ka sa BDO online at http://www.bdo.com.ph/personal.asp para mas madali mo makita kung magkano na yung market value ng investment mo.

@axljackass: Tama ka diyan. Pwede mo na redeem yang units mo w/o fee after ng holding period. Pero siyempre hindi naman advisable na i-redeem mo kagad yan after ng holding period. Usually 30 days lang yata yun eh so malamang wala pang masyadong kinita yung pera mo at that time. Baka nga bumaba pa market value, hehehe.




bravelicious

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@bravelicious: Hindi ka yata nila tatawagan. Ikaw mismo ang pupunta dun. I suggest mag enroll ka sa BDO online at http://www.bdo.com.ph/personal.asp para mas madali mo makita kung magkano na yung market value ng investment mo.

^ganun ba yun, ako ppunta to inquire kung naabot ko na yung minimum investment for certain amount ng EIP ko? hindi ba sila ttawag to inform me at i-pick ang COP ko? oo naka bdo online banking ang account ko. pero hindi ko pa maenroll yung UITF ko kasi nga nagumpisa pa lang ako last march 2012, so wala pa kong COP. wala pa akong number ng UITF ko pra maenroll ko siya at mamonitor. tama ba? thanks.


vgal0579

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^ganun ba yun, ako ppunta to inquire kung naabot ko na yung minimum investment for certain amount ng EIP ko? hindi ba sila ttawag to inform me at i-pick ang COP ko? oo naka bdo online banking ang account ko. pero hindi ko pa maenroll yung UITF ko kasi nga nagumpisa pa lang ako last march 2012, so wala pa kong COP. wala pa akong number ng UITF ko pra maenroll ko siya at mamonitor. tama ba? thanks.

to answer your questions:
hindi ka nila tatawagan.  you will pick-up your COP.  count 7 working days from the date you reached your PhP10K then you can claim it.


for me, i have 3 EIP, i can already see my units and amount.  ask for the officer's help.  you can already enroll it in online banking.  it can be done on her/his presence or if you want or ask for the assigned CMN number sot that you could enroll it at home.  that's what i did.

hope this helps...


bravelicious

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to answer your questions:
hindi ka nila tatawagan.  you will pick-up your COP.  count 7 working days from the date you reached your PhP10K then you can claim it.


for me, i have 3 EIP, i can already see my units and amount.  ask for the officer's help.  you can already enroll it in online banking.  it can be done on her/his presence or if you want or ask for the assigned CMN number sot that you could enroll it at home.  that's what i did.

hope this helps...


^thanks vgal0579 sa reply. I attended the seminar and yun ang nasabi nila na tatawagan. pero sympre depende sa market kung abot na ba sa minimum investment of UITF ko? its under EIP kasi. ganun pa rin ba computation nun even EIP? or by month ang pagcompute? kasi every month 2K ang pinapaauto debit ko sa account ko. pano ba pagcompute kung every month ang paginvest ko ng 2K? say EIP PFIF? started march 26? chaka di ba pag wala pa COP wala pa CMN number?


mxherr5

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Its really up to the people in the branch.

Yes, they should call you.
Yung 1st COP ko, tinawagan ako pero after that, wala na haha
Tinamad na ata.


vgal0579

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^thanks vgal0579 sa reply. I attended the seminar and yun ang nasabi nila na tatawagan. pero sympre depende sa market kung abot na ba sa minimum investment of UITF ko? its under EIP kasi. ganun pa rin ba computation nun even EIP? or by month ang pagcompute? kasi every month 2K ang pinapaauto debit ko sa account ko. pano ba pagcompute kung every month ang paginvest ko ng 2K? say EIP PFIF? started march 26? chaka di ba pag wala pa COP wala pa CMN number?

nope, yung amount mo ang basis.  meaning if you are placing P2K a month, in 5 months you should have P10K irregardless how much is the NAVPU.  the "unit" itself lang ang variable.

for example, you are deducted P2K every 26th of the month; you need to know the NAVPU of 26th and then you divide the amount to NAVPU (2,000 divide by NAVPU).  that's the unit you bought for that day.  you will do this until the 5th month (total of PhP10K) to know your TOTAL NAVPU for that COP.  then on the 6th month (if you decide to continue), you will do the cycle again until the 10th month and so on...

there is already an assigned CMN number (temporary).  usually it starts with your branch code. for my 2 branches it's 126 and 766 followed by 9 number series (example 766000000001) depending on when you opened your EIP.  then the permanent CMN is located on your COP.


bravelicious

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there is already an assigned CMN number (temporary).  usually it starts with your branch code. for my 2 branches it's 126 and 766 followed by 9 number series (example 766000000001) depending on when you opened your EIP.  then the permanent CMN is located on your COP.


wlang binigay na temporary CMN sa amin. sobrang busy ng branch namin. ni hindi nga ko pinapirma ng mga risk disclosure form..mga ganun ganun pati nga signature card prang wala rin.

tanong rin kung san ko malalaman yung mga NAVPUs ng previous months? thanks.
« Last Edit: Aug 06, 2012, 11:57 AM by bravelicious »


vgal0579

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wlang binigay na temporary CMN sa amin. sobrang busy ng branch namin. ni hindi nga ko pinapirma ng mga risk disclosure form..mga ganun ganun pati nga signature card prang wala rin.

tanong rin kung san ko malalaman yung mga NAVPUs ng previous months? thanks.


try this link, this the list of all market funds in the philippines, just choose which bank you're invested in to know the NAVPU of desired date.

http://www.bloomberg.com/markets/funds/country/philippines/


bravelicious

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^thanks peeps! nacompute ko na..10K na nga dpat tlaga pumunta kmi sa branch namin to inquire and get our COP. :)


reytave19

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Hi! tanong ko lang pano ba magcompute kung magkano na value ng investment. we enrolled in BDO EIP Peso Fixed Income Fund last March 2012, I assumed na this month eh umabot na kami sa minimum investment na 10K? 2K per month ang auto debit sa account namin. o tama yung nasa isip ko na depende sa market kaya siguro up to this date hindi pa siya umaabot sa 10K? if ever umabot na sa 10K ang value ng investment, how long will I wait for BDO representative to call me to get my COP? weeks? days? TIA 

yung COP naman hindi yan mawawala. yung saken nga di ko pa nakukuha. 2 months na since nagstart yung EIP ko. nasa overseas kasi ako kaya kukunin ko na lang paguwi ko. as for how to get the current value of your investment, just divide the current NAVPU with the NAVPU when you invested the amount. I created an excel file with formulas so i know the value of each of my investments and the running total of them all.  :D


 


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