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

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cloudburst

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BDO Balanced Fund 2Q Performance Report

http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/pdf/PBAL_Q.pdf


silent_investor

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For the BDO EIP, if you want to manually monitor it, create an excel file with these columns:

Date     Amount     NAVPU     Units(amount/NAVPU)     Current Market Value (Unitsxcurrent NAVPU)

Note: You would need to update the last column every time you make a new contribution. We need to remember that to get the COP, what matters is the amount on the last column, not your actual contributions. You may contribute only P8,000 but have a COP already if the market suddenly went up. The reverse may also be true, contribute more than P10,000 but not get a COP yet if the market is going down.

I do agree that the best way to monitor is through their internet banking. If you just started your BDO EIP, you can ask your branch for your Client Master Number (CMN). Then you can enroll it inside the internet banking. If you don't have time for this, simply wait for the availability of your COP, your CMN will be indicated there.

« Last Edit: Aug 15, 2012, 09:22 AM by silent_investor »


Usman

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Hello. Thanks for a very enlightening thread.
I have a question. When does one's UITF share gain a profit?
I know that the NAVPU may rise and fall daily or even at the next hour. Suppose it increases, when do you get the yield?
Please enlighten me.


jaolave23

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I know that the NAVPU may rise and fall daily or even at the next hour. Suppose it increases, when do you get the yield?

NAVPU rising and falling is a reflection of the value of the whole fund. When NAVPU increases, the yield is the percentage of the increase from the time you bought your units. That's it. There's no profit / dividend per unit that you receive. This is not like stocks.


allanmm13

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Hello. Thanks for a very enlightening thread.
I know that the NAVPU may rise and fall daily or even at the next hour. Suppose it increases, when do you get the yield?
Similar to any paper assets that moves like MFs and stocks.
When it increasing and you do nothing, it's only paper gain (unrealize profit).
When you liquidate it, it's realize profit (or realize loss if binenta ng palugi).. less any applicable fees depending on your holding period

The only difference for UITF/MF, you must wait for x number of business day, usually has cutoff time at 12noon, to get the actual NAVPS/NAVPU. Check with your provider for further details, as necessary form like Redemption Form or visiting the bank  is needed.

Stocks you can liquidate using your broker platform.
« Last Edit: Aug 28, 2012, 07:13 PM by allanmm13 »


Usman

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@jaolave23 & allanmm13, thanks for the explanation.

Forgive my ignorance, so if I bought Balanced Fund shares at P 3.050.054000 in March 2012, then the NAVPU reached P 3.210.207800 in August 2012, and say, supposing I got ten shares, how much would the yield be, if I redeem it in August 2012?

Please enlighten me. I'd understand better if there's an actual computation.

Also, suppose if I bought shares still in March 12 then a week after the NAVPU soared high, is it possible to redeem it on the said day?

Salamat po!


allanmm13

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Just multiple your total shares x current NAVPU to get current fund value (FV).

Let's use simple computation.

% return = (current FV - invested amount) / invested amount   x 100

I use to have a UITF, it lasted 7 working days to get my money, please check with your bank how much time it requires. It may be case to case basis.
« Last Edit: Aug 28, 2012, 07:55 PM by allanmm13 »


seven07

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hi, im new this forum.

just wanna ask how "compound interest" happens in BDO-EIP?

i am really eager to invest but still not aware on how this flows.


freeman12

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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

Sir, what do you mean na pwedeng magredeem at invest online? Tru online banking po ba?


mxherr5

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theEdge

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bpi's equity value fund and balance fund sucks,if you look at the statistics in 5 yrs time these funds have only an annualized return of 3.++% as againts a volatility of 20%,this only suggest u cant rely on buy and hold strategy with these funds.their abf bond index fund is more reliable and consistent in the long run with an annual compound return of 7.++% with a corresponding volatility of 4.++%.the fees are way lower too with abf.


freeman12

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yessir! sana magka ganung facility rin ang bdo

:cool2: sana nga po, para di nako lalabas ng kuweba ko.  :hihi:

i'm planning to have a long term investment in mf/uitf, kaso nung nagaral ako ng trends, it seems like 2008 was the best year to do so. sayang, lately lang kasi ako naging financially aware. :(

Guys what do you think about the december 2012 prophecy, would it somehow affect the market? :think:
How about noong year 2000, yung Y2K bug daw, how was the market back then? :book:
« Last Edit: Sep 09, 2012, 10:52 AM by freeman12 »


mxherr5

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I think that was also the time of the Asian Financial Crisis so baka na overshadow yung y2k bug scare?


Skretch20

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silent_investor

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Paano mag apply ng eip sa bdo..?

Punta ka lang sa kahit saang BDO branch, kailangan lang may BDO account ka na ha. Fill out yung EIP application form and UITF opening kit nila. I remember hiningan din ako ng IDs at picture.


 


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