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

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sphinxz

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@trueblood
first paragraph is correct.
second paragraph, no. you cannot have 2 navpu values per day, only 1. so you cannot capitalize on selling and buying on the same day. if may fees, lugi ka pa. i think interest is not the right term, maybe capital gain, kasi di naman fixed ang kikitain or ikalulugi mo so di mo ma-aapply ang compounding interest. keep in mind lang na # share = money/navpu. upon selling money = # share x navpu (kikita ka if tumaas ang navpu,lugi ka otherwise). actually, pwede mo i-apply yung strat mo na in/out if SURE ka na the next day eh bababa ang navpu. unfortunately, unpredictable talaga ang galaw ng market.


true_blood

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tnx guys.  I see what you mean.  Anyway I just tried different scenarios using BDO yield calculator on previous years for equity, and see what if I just waited w/o redeeming versus redeeming in the middle and re-investing.  And I saw there will be scenarios there will be more earnings, and others less earnings.  I guess it all depends on the Nav.  and timing of redeeming and re-investing, but since nobody can predict correct timing, best just put them in there for the long haul.



electrickoelectric

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mga boss hingi lng ng advice. If example may 500k ako ok ba ipasok ko all in sa bdo equity fund long term o kapag tumubo in a  month witdraw ko na tpos pasok ulit? :help: ska wala na ba mga hidden chagres un pag ipasok ko 500k  kung magkano ung navpu ganun mging no of units ko?


spartacus

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hello, 1st time investor here, nagback read na ako sa thread na to kaya kahit konti may natutunan na  :D ask ko lang ano magandang fund? plan ko mag open sa BDO next week. below are my options. i will not be needing the money for at least 3 years.

1. 150K lump sum to equity - pansin ko kasi bumaba NAVPU yesterday
2. Cost averaging - Balanced fund, 20k initial, 10k/mo additional
3. Cost averaging - equity fund, 20k initial, 10k/mo additional
4. EIP fixed income - 10k/mo
5. EIP equity - 10k/mo


kiriyama

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mga boss hingi lng ng advice. If example may 500k ako ok ba ipasok ko all in sa bdo equity fund long term o kapag tumubo in a  month witdraw ko na tpos pasok ulit? :help: ska wala na ba mga hidden chagres un pag ipasok ko 500k  kung magkano ung navpu ganun mging no of units ko?

tingin ko ok lng na lagay mu ng lump sum kagad...lalo nat bull market tyo ngaun...eniwei opinion ko lng naman un..or maybe i'm too aggresively stupid....with regards naman dun sa withdraw and deposit again...I dont think it's a good idea na pag tumubo is withdraw then ipapasok mu ul8? anung purpose nun?? Sorry i don't get it...sa pag kakaintindi ko kasi...

Ex. bumil ka ng 1 peso per share...then naging 5 pesos na ung price per share...then withdraw mu ul8 lahat....nag ka 5 pseos cash ka na and no shares...then you will buy back..pero dahil ang price nya is 5 pesos pa rin...walang lng din ngayari...u still have 1 share...if tummass naman ang price...nasayang lng pera mu kasi kulang na pambili ng isang share...swerte mu lng kapag bumaba...which is most likely improbable ngaung bull market...siguro hihintay ka pa ng correction para makarami ka ul8 ng shares....I havn't investsed yet sa BDO pero tingin ko ganun na nga..wala ng hidden charges..kasi sabi nila NET na daw un...



hello, 1st time investor here, nagback read na ako sa thread na to kaya kahit konti may natutunan na  :D ask ko lang ano magandang fund? plan ko mag open sa BDO next week. below are my options. i will not be needing the money for at least 3 years.

1. 150K lump sum to equity - pansin ko kasi bumaba NAVPU yesterday
2. Cost averaging - Balanced fund, 20k initial, 10k/mo additional
3. Cost averaging - equity fund, 20k initial, 10k/mo additional
4. EIP fixed income - 10k/mo
5. EIP equity - 10k/mo


I suggest "1" kasi you dont need the money soon diba? so make it all out...hehehe un eh kung ako ung may pera na 500k...then after that cost averaging na...kapg may extra money lagay lng nglagy ul8....


reytave19

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I currently have 450k as principal amount on my UITFs. i have 2 EIPs. 40k/month for equity and 10k/month for fixed income fund. At the same time i invest around 5-10k per month on stokcs thru my citisec account. so far halos di nagkakalayo ang performance ng stock picks ko sa equity UITF ko. it got me thinking, if the stocks of the equity fund pays dividends, do they get included in the value of the NAVPU? moreover, are they reinvested? if not kasi, e di mas ok maginvest on my own kasi i get the dividends. if it gets included naman, could it be the reason that equity UITFs  beat the PSEi?

For example, according sa disclosure ng bdo, its equity fund has grown 330.53% compared to the 279.12% growth of the PSEi. That's a + 51.41% in the span of 8 years since inception of the fund is march 2005. that translates to an average of 6.4% per year. do you think it's from the dividends paid out by the stocks on the fund's portfolio? or is it really the fund beating the market? if it's the former then it means the fund is basically following the index. if it's the latter, then it means the dividends do not become part of the NAVPU. or could it be a mixture of the dividends and the fund beating the index? can someone please enlighten me?  :rakenrol:


james.philipp.5

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 ^ my assumption is that the fund managers of the equity fund is doing their job well  :applause:..meaning, they invested the fund in multiple companies that beats the companies in the PSEi....
with regards to dividends, i think they include the dividends to the fund's growth but that does not necessarily mean that if a  fund is focused on investing in companies that give high dividends , it will have higher return compared to other funds...
 so to answer your question if higher dividends caused the equity uitfs beat the psei, possible.... But to know better bakit mas maganda takbo ng equity fund mo, check the sector holdings (holding, financial, industrial,service etc) or the specific companies where it is heavily invested... then you'll have a better idea why it is doing better than the companies included in the PSEi...
« Last Edit: May 18, 2013, 12:42 PM by james.philipp.5 »


reytave19

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@james.philipp.5

thank you for the response sir. so ibig sabihin nagiging part nga ng NAVPU yung dividend? is it a definite yes?


mxherr5

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That's a definitive yes because the dividend is part of the income from the fund's
assets which belongs to the fund.

If you're curious about what really is the total PSEi returns then you can
go check PSIF's fact sheet. It includes the returns of PSEi+dividends

ex. during the past 5 years from Mar 2013
The PSEi return around 129% but if you include
the dividends it goes up to 172%


spartacus

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I suggest "1" kasi you dont need the money soon diba? so make it all out...hehehe un eh kung ako ung may pera na 500k...then after that cost averaging na...kapg may extra money lagay lng nglagy ul8....

parang gusto ko na nga mag all in na, pero pansin ko pababa pa rin yung bdo equity tama bang mag monitor muna? baka kasi tuloy tuloy na pagbaba  :D


investormills

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That's a definitive yes because the dividend is part of the income from the fund's
assets which belongs to the fund.

If you're curious about what really is the total PSEi returns then you can
go check PSIF's fact sheet. It includes the returns of PSEi+dividends

ex. during the past 5 years from Mar 2013
The PSEi return around 129% but if you include
the dividends it goes up to 172%

so anong kita ng banko dito sa UITF o MF? di kaya sa kanila ang dividends? i doubt kung yung kita lang nila ay yung management fee an 1-2%.


kiriyama

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parang gusto ko na nga mag all in na, pero pansin ko pababa pa rin yung bdo equity tama bang mag monitor muna? baka kasi tuloy tuloy na pagbaba  :D


Yup observe muna...pero wag maxado matagal...baka kasi mag end up waiting forever kna...or sa kakakhintay mu...kung kelan ka pumasok tsaka dun bumagsak...the sooner the better...everyday is important...Normal na bumagsak lng ung stocks and mga MF last 2 days...dahil sa profit taking...masyado kasi mabilis ang pag angat last week up to Wed. kaya thurs. and fri..bagsak tlga...expected na un...Observe k next week ng mangyayari and decide kna... balitaan mu kami ang goodluck sateng lahat ^^,


mxherr5

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so anong kita ng banko dito sa UITF o MF? di kaya sa kanila ang dividends? i doubt kung yung kita lang nila ay yung management fee an 1-2%.

Yup, ganun na nga.. yung 1-2% fee ang kita ng banko or investment company at hindi naman to
local phenomenon lang, ganito talaga globally.

If they do keep the dividends then no fund manager would invest in non dividend stocks
baka magiinvest lang sila sa biggest dividend giving stock all the time lol

The only fund I know that do not include the dividends in the NAV is the PSIF.
It states in its prospectus that it keeps the dividends in a special "fund" and it
uses that to pay for its management fees.


spartacus

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what can you say about BDO fixed income fund? mas ok bang ilipat ko na lang ang naka TD ko dito while cost averaging on equity fund? :help:


mxherr5

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bond funds are really doing great this year!
bdo's fixed income more so than bpi's similar bond funds


 


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