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

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vgal0579

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@mamee, it's under their EIP, you will not get the COP unless your contribution reaches 10K.

for peso fund, 10K min and you will not get your COP unless your contribution reaches 100K.


sneaker23

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^sure ka 1k initial? Hindi 10k?
 

kindly visit the bdo link above

here's an excerpt

Investment Amount:   Starts at Php1,000.00 per contribution per month for all UITFs with the EIP feature except for the BDO Peso Money Market Fund (PMMF) which starts at Php 10,000.00.



Post Merge: 1336799722
@mamee, it's under their EIP, you will not get the COP unless your contribution reaches 10K.

for peso fund, 10K min and you will not get your COP unless your contribution reaches 100K.

as what they have mention during the seminar, with or without the COP, your 1k contribution starts to realize the gain or loss, as oppose to what I thought before that they'll just gather your accumulated 10k before realizing any gain or loss.
« Last Edit: May 12, 2012, 01:15 PM by sneaker23 »


mxherr5

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^

I think you didn't read the exchange too well.
We were talking about investment minimums when
investing directly, i.e. without enrolling in an EIP.

Well, anyways.. there's still EIP if I can't come up
with 10k every month lol


vhast

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tanong lng po sa may investment sa bdo...
nag-invest na ako sa BDO uitf-equity, 10,000php..ngaun i'm planning na may auto debit monthly na 1,000php. ang sabi sken ng teller bkit hindi ko na lng na gwing 10,000 php para may certificate na. kasi mjo malaki nmn ung pera sa account ko.

first time ko plang kasi mag-invest...so nagttry lng ako s mababa lng muna......btw seaman kasi ako...kya wla akong time pra mg invest monthly...ndi ba cros-averaging ung ggwin ko na 1,000 monthly?...need suggestions po..thanks...




mxherr5

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Yes, cost averaging po yun kng every month kayo mg invest
regardless of the amount..


jenxent

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tanong lng po sa may investment sa bdo...
nag-invest na ako sa BDO uitf-equity, 10,000php..ngaun i'm planning na may auto debit monthly na 1,000php. ang sabi sken ng teller bkit hindi ko na lng na gwing 10,000 php para may certificate na. kasi mjo malaki nmn ung pera sa account ko.

first time ko plang kasi mag-invest...so nagttry lng ako s mababa lng muna......btw seaman kasi ako...kya wla akong time pra mg invest monthly...ndi ba cros-averaging ung ggwin ko na 1,000 monthly?...need suggestions po..thanks...

sir bat hindi niyo gawing 10k a month total kaya niyo naman po,kung 1k kasi parang EIP po ata yun,since 1k a month lang hindi agad macrecredit yung or makakabili ng units,hintay muna kayo mka.abut hangang 10k...


mxherr5

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jen, ma ccredit/iinvest agad yun kahit 1k lng. ang wala lang, ay ang COP.. mkukuha mo lng kng ang market value ng EIP mo ay 10k na.


vgal0579

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^even with EIP, your money will already realize the gain/loss...


mamee

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tanong lng po sa may investment sa bdo...
nag-invest na ako sa BDO uitf-equity, 10,000php..ngaun i'm planning na may auto debit monthly na 1,000php. ang sabi sken ng teller bkit hindi ko na lng na gwing 10,000 php para may certificate na. kasi mjo malaki nmn ung pera sa account ko.


Oo nga naman - kaya mo naman pala 10k per month... yun na lang gawin mo para may certificate ka na... :hihi:


gh0st

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Mga sirs paano po ba malalaman NAV for the day? kasi I'm checking sa website ni BDO pero parang walang present NAV for the day listed, usually NAV for the previous business day. Kailangan po ba ito itawag o itanong mismo sa branch? info po sana kung sakali kasi mag-redeem alam yung NAV for the day. Thanks!


GoodSteward

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^ghost, nag-u-upate BDO uitf NAVPUs usually, mga around 8 830pm...check mo at that time, it will reflect the day's value.


jenxent

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Mga sirs paano po ba malalaman NAV for the day? kasi I'm checking sa website ni BDO pero parang walang present NAV for the day listed, usually NAV for the previous business day. Kailangan po ba ito itawag o itanong mismo sa branch? info po sana kung sakali kasi mag-redeem alam yung NAV for the day. Thanks!

ina.update pa ata ng BDO site nila.kaya ala kang navpu na makikita..The BDO Trustwebsite (http://trust.bdo.com.ph/trustwebsite) is currently being updated.

Sorry for the inconvenience.


GoodSteward

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http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/DailyNetAssets.asp

^Where i check BDO uitf navpu....its been working naman....


jenxent

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http://www.bdo.com.ph/Personal/FinancialServices/WealthManagement/DailyNetAssets.asp

^Where i check BDO uitf navpu....its been working naman....

tanx po sir GoodSteward...ma.momonitor kona ulit UITF ko... :hihi: :applause:


WealthyInvesting

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


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


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.


jhillianne

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^kahit may account ako ginawan pa din ako ng bagong account bakit ganoon?

question po.

nag open kasi ako BDO equity fund last month. pumunta ako bdo kanina para magdeposit sa savings account ko. sabi sa akin nung lagi ko kausap, mag fill up ako for EIP para mahulugan ko yung equity ko every month. naguguluhan lang ako. pwede po paki elaborate? hindi ko kasi naintindihan yung explanation niya :D


allanmm13

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@=jhillianne

I had BDO uitf previously, the EIP form is simply an instruction to autodebit for your cost averaging investment.
Prerequisite is you have a BDO bank account.

Check again with your kausap kung bakit you had to open another bdo account if the other is already same acct type.

Pero, as further clarification... meron ka ba existing BDO bank account?
« Last Edit: Nov 01, 2012, 12:22 PM by allanmm13 »


jhillianne

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hi allan, yes i do have an existing savings account and atm debit card separately. hindi ko nga rin alam bakit ganoon.

sabi ko, they can use either of the 2 accounts that i have. pero ginawan pa ako ng bago. kaya yun.


nanashi

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Maybe they are gunning a quota or performance indicator for their bank branch on the number new account open.


mxherr5

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nanashi is right, they must be after some quota
I use my (then) payroll account for my EIP


chiechay79

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I have one from BDO Pesos Money Market fund. Mejo mabagal ang paglago ng investment ko pero I can say na risk free naman kase. Hindi ko masabi kung mas ok ba kesa time deposit. Naalala ko kase dati (6years ago) yung 50k ko kumita lang ng 800 pesos in 6 months. Eh eto mejo parang ganun din.

Pero yun nga risk free naman kase pataas ng pataaas ang NAV niya so ok nalang din.


vicces

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jenxent

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allanmm13

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I have one from BDO Pesos Money Market fund. Mejo mabagal ang paglago ng investment ko pero I can say na risk free naman kase. Hindi ko masabi kung mas ok ba kesa time deposit. Naalala ko kase dati (6years ago) yung 50k ko kumita lang ng 800 pesos in 6 months. Eh eto mejo parang ganun din.

Pero yun nga risk free naman kase pataas ng pataaas ang NAV niya so ok nalang din.
If you keep this Money market for short term use, ok lang..

Are you sure its really risk free?
Inflation is the biggest enemy of low yield earning investment instruments.. Lalo na if you keep it there for long term, the value or purchasing power will be eaten by inflation.

One more thing, no PDIC coverage ang Money Market, di tulad ng bank deposit up to Php500K.
« Last Edit: Nov 19, 2012, 12:08 PM by allanmm13 »


vicces

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jenxent

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para yun sa mga nakapag.invest na pero kung ngayon pa po kayo mag.iinvest eh maiiba na xa....


fortinet

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kung meron ba ako expressonline login sa bpi pede ba ako mgenroll ng uitf dun?


jenxent

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mas mainam po sir fortinet eh magpunta na po kayo kaagad sa pinakamalapit na bpi sa inyong lugar at doon mag.inquire, my susulatan muna kayong mga dukomento bago kayo makapagsimula sa UITF...wag niyo na pong patagalin aksyonan niyo na agad..happy investing..


fortinet

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sir jenxent salamat sa swift response..another question ko pla ang initial investment sa uitf is 10k po ba..tapos monthly or quarterly kailangan ko din ba mglagay ng funds sa uitf or depende kng mgkano lang ang kaya? para atleast may idea ako..salamat po.


amercado29

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Hello PMT pips, meron po akong Time Deposit Account with BPI, would it be possible na ma-itransfer sya sa UITF product ng BPI din mismo. Gusto ko tlagang subukan ang UITF kasi alam ko na hindi kikita ng malaki ang pera ko sa time deposit... Actually mother ko ang naglagay ng pera sa time deposit, nung pahanon na yun hindi ko pa rin kasi alam ang UITF...

Maraming salamat po...


angeljme

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@amercado29

you need to withdraw your time deposit kung iyon din ang pera na ilalagay mo sa UITF mo with BPI

but you still need to have a savings account with them

just go to BPI and ask them about their UITF products.  you'll need to sign up some forms.  after that, online na lahat. even the buying of shares, all are online


bj71

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Hello PMT pips, meron po akong Time Deposit Account with BPI, would it be possible na ma-itransfer sya sa UITF product ng BPI din mismo. Gusto ko tlagang subukan ang UITF kasi alam ko na hindi kikita ng malaki ang pera ko sa time deposit... Actually mother ko ang naglagay ng pera sa time deposit, nung pahanon na yun hindi ko pa rin kasi alam ang UITF...

Maraming salamat po...
terminate mo yun time deposit mo or antayin mo yun maturity at mag open ka ng settlement account/savings account para makabili ka ng UITF product ng BpI.


amercado29

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Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?


bj71

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Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?

yun existing bpi account mo pwede mo maging settlement account. me mutual funds ako  sa bpi ALFM sa BDO naman UITF. basa basa ka lang sa mga past post marami ka malalaman.


amercado29

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jenxent

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Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?
wag palipat-lipat ng investment kasi hindi mo mamaximize yung earning talo ka sa fees pag.ganyan...


GoodSteward

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^ok lang ata, from savings to UITF naman yun lipat ni amercado...she is undecided lang which banks' uitf...

Try to research but napansin ko mahina uitf ng bpi...UBP mas ok...but make due diligence, kasi past performance is not a guarantee of future performance...


r00tcipher

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Quote
Meron naman po ako savings account sa bpi, sa inyong opinion po, san po ba mas maganda mag invest ng UITF? Sa MBT, UBP or mag stick na lng po ako sa BPI?

    ok din ang performance ng securitybank


vgal0579

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rubymichelle.sumaculub

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tanong ko lang po kung ang pinasok ko na  investment type i called PNB LIfe is also called a UITF type of investment.. Malalaman ko po ba kung paano ang pag compute ng kinata sa one year?


 


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