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

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KingArthurIII

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Thanks mxherr 5 sa pagsagot ng mga tanong ko. Yung UITF ba sa BDO at Unionbank kahit saang branch pwede? Taga Zamboanga City kase ako ehh

Tinignan ko din pala yung website ng BDO tapos may nakalagay dun BDO fixed income fund and BDO Peso Balanced Fund, 10K lang yung umpisang investment, ano kaya mas okay dito? Pwede ba mag invest sa ganito dito sa mga branches ng BDO sa Zamboanga City? Kung pupunta ba ako bukas sa isang branch ng BDO dito sa amin makakapag invest ba kaagad ako gamit lang ang 10K? Thanks again.
« Last Edit: Jun 11, 2013, 07:09 PM by KingArthurIII »


mxherr5

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Uy kabayan :D yep, debe maskin donde branch pwede.

I'd go with BDO though as it has a 10k minimum and if you enroll
in EIP, you can invest as low as 1k per month.

Unionbank, although having very good returns has a 100k minimum.

Rule of thumb is, the higher the risk, the greater the potential reward.
And the longer you are invested, the lesser the market risk.

From highest risk to lowest,
Equity
Balanced
Bonds
Money Market.

So, if you have a very long term goal like retirement you'd want to put
your money in Equity. If you need the money within a year, then Money Market
would do.

Hope that helps.


KingArthurIII

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Uy, ang galing naman taga Zamboanga ka rin. :cool2: Gracias gayod !
« Last Edit: Jun 11, 2013, 08:22 PM by KingArthurIII »


hunkinvestor

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Hi Everyone, hope you can help me start investing. I've been browsing several websites of some MF and UITF, but I do not quite figure out which specific product should I choose.

There are graphs, percentage and numbers, but for me they don't translate to something that I truly understand.

Sorry if this question might be looking for specific answers, but I would just really want to start investing and would like to know how to choose the right product.

My goal is to start with 10,000, then add into it 5,000 to 7,000 every month until 3 years. Yes, I plan to use the money after 3 years.

I was told not to choose MF's/ UITF's that invest in stocks, rather choose the ones that invest in bonds. But there are a lot of institutions that offer these type of investments.

So it all boils down to how do I choose. Who do I trust? Where to start? What to consider? Which one will give me peace of mind?

Yes, I won't stop reading and browsing. But I hope I find the answer. I don't want to waste time.

Hope you can help me.


ikaela

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For those who have BDO UITFs: Pwede ba mag-redeem ng shares/take profit at ANY BDO branch? I travel around the Philippines a lot kasi, baka ma-tyempuhan na yung time na gusto ko na mag-redeem eh wala ako sa hometown ko. I can't find this info on the BDO website either.


mxherr5

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In my experience, no.
I tried to redeem at a branch near my office but they
said they don't have my records.(I had invested at
the branch near my home).

When I finally got to the branch near my place,
I noticed that they also looked for their copy of
my COP.(I remember there are three ata color coded
copies of the COP, I'm guessing one for the trust dept.
one for the branch and one for myself).

I didn't push the issue as it wasn't worth it.
So, I'm not sure if they just don't allow it as a practice
but will accommodate if need be or talagang hindi pwede.


ikaela

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Thank you once again, mxherr5. Sa UCPB kasi pwede DAW at any branch nationwide, but we'll see when I do have to redeem.

I tried opening a UITF account din pala with BPI. But they had problems connecting my savings/settlement account and the UITF account because they're not the same branch. Easy solution was to just open an account with them, but ang haaabaaa ng pila. So I just took it as a sign that I should put my money somewhere else. Alam naman natin how underperforming ang mga funds managed by BPI. :D


freelancer_babe

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For those who have BDO UITFs: Pwede ba mag-redeem ng shares/take profit at ANY BDO branch? I travel around the Philippines a lot kasi, baka ma-tyempuhan na yung time na gusto ko na mag-redeem eh wala ako sa hometown ko. I can't find this info on the BDO website either.

Yup, agree with mxherr. They told me hindi.

Actually for me it's a good thing - to avoid any temptations.

It happened na nag-open pa ako sa BDO branch na mahaba rin ang pila sa naghahandle ng UITF accounts. So that makes it even more inconvenient for me to fall in line once again and touch those funds.


I tried opening a UITF account din pala with BPI. But they had problems connecting my savings/settlement account and the UITF account because they're not the same branch. Easy solution was to just open an account with them, but ang haaabaaa ng pila.

Noong una sinabihan rin ako na mag-open ng settlement account - without any ATM pa yun - just to keep the funds. But I complained right away to the manager na marami akong accounts, so I didn't like to have another one to keep an eye on.

In the end, pumayag si manager na gamitin ang existing account ko na as the settlement account. Sya ang naghandle ng account ko, not one of her underlings.

The manager should not have let you get away. Inassist ka pa rin sana nya sa pag-open ng account. Pero siguro nga, baka nga dapat ilagay mo ang pera mo somewhere.


mxherr5

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Thank you once again, mxherr5. Sa UCPB kasi pwede DAW at any branch nationwide, but we'll see when I do have to redeem.

I tried opening a UITF account din pala with BPI. But they had problems connecting my savings/settlement account and the UITF account because they're not the same branch. Easy solution was to just open an account with them, but ang haaabaaa ng pila. So I just took it as a sign that I should put my money somewhere else. Alam naman natin how underperforming ang mga funds managed by BPI. :D

No problem.

I'm sure whoever told you that is right.
Its in how UCPB does their UITF eh.
Sa BDO kasi, COP basis talaga.

With UCPB, its like BPI. They just give you
a certificate of redemption to cancel out
the certification of participation.

Re BPI, you should have push the manager more.
Baka tinatamad lang hehe
Ako nga, an entirely different bank not just branch
(BPI Direct kasi yung ipapagawa kong settlement account)

I just gave them my "Are you really really sure you can't
do this" face and they caved in :p

Pero yeah, BPI's performance isn't too good. Hay, too bad
napa convenient ang kanilang online investment platform.

I now only have BPI's Short Term fund, the only fund which
I think BPI does well.


freelancer_babe

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I now only have BPI's Short Term fund, the only fund which
I think BPI does well.

You're not currently suffering any losses using this fund?


mxherr5

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No, it usually goes up by 1 basis point every two days or so.
It used to go up every day but since they cut the rates on
SDA, it goes up a lot more slowly now.

I've seen it go down by 1 basis point but just twice or thrice since
I've had it and it doesn't last more than a week before it recovers.


donromantiko

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Hi everyone. I just want to ask a question regarding sa online ng BPI equity? Totoo bang anytime you can pull out the funds through internet? I think it is a good tool para ma control mo ang labas pasok ng pera mo.

Sa BDO kasi merong 30 days na holding period pero sa BPI wala? wow hehehe


lupetnen

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i recently enrolled my BDO payroll account to its EIP to be invested in its UITF peso fixed income fund (5k each pay cut). I dont quite understand why my banker told me that in a month's time when it reaches 10k thats the only time ill be receiving a COP and for the next month another COP? Is 10k the ceiling for this investment thats why they need to create another account for each month? cant it all be in just one account?


FFreedom3

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i recently enrolled my BDO payroll account to its EIP to be invested in its UITF peso fixed income fund (5k each pay cut). I dont quite understand why my banker told me that in a month's time when it reaches 10k thats the only time ill be receiving a COP and for the next month another COP? Is 10k the ceiling for this investment thats why they need to create another account for each month? cant it all be in just one account?

may minimum 10K per "Tap up" kasi ang PESO Fixed Income Fund.

https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-peso-fixed-income-fund



lupetnen

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may minimum 10K per "Tap up" kasi ang PESO Fixed Income Fund.

https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-peso-fixed-income-fund

ok thanks for the immediate response sir! would you know how many is the maximum COP for this investment?


 


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