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

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FFreedom3

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FFreedom3

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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

Yes you can pull out the funds anytime sa BPI Equity and other BPI UITF funds without penalty. You can pull out and also tap-up online pag na enrol kana. I've tried it many times. very convenient. I wish may ganun ang BDO.

http://info.bpiexpressonline.com/bpiprod/produpd.nsf/Investment+Updates/InvestmentDailyPrices


lupetnen

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walang maximum COP

thanks FFreedom3! was wondering since im new to these kind of investments, is it safe to just stay with this UITF product or should i invest in other BDO uitf's say peso balance and/or equity?


FFreedom3

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thanks FFreedom3! was wondering since im new to these kind of investments, is it safe to just stay with this UITF product or should i invest in other BDO uitf's say peso balance and/or equity?

Things you should do before you start investing in Unit Investment Trust Funds:

- Take the Bank risk assessment test or questionnaire and know what type of investor are you. This is very important so you will know where to start.

- Study and know more about different Unit Investment Trust Funds offered by different banks

- Search for funds that have proven track record

Latest UITF top performance report.

UITF - http://www.pinoymoneytalk.com/philippine-uitf-returns-1st-half-2013/


lupetnen

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kobabear

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The client risk assessment is in fact mandated by BSP to banks offering UITFs.


donromantiko

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investormills

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Question:
will the current RTB selling of the govt affect our bond funds in any way?
tia


vontayap

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Hi guys, newbie here. :hello:

in UITF or MF, the profit or loss depend on the day you redeem it. kung ang navps/navpu ay high or low in relation sa initial selling price when started the investment. Tama po ba? Kahit na 5 or 10 yrs ko pa ito bago iredeem, the profit still depend on the actual price of navps/navpu if high or low. Am I correct? Salamat po sa info.

I plan to have both UITF and MF, can anyone please suggest to me where can I start to invest. :thankyou:

heres my target to start with
UITF=BDO
MF= Sunlife
based sa mga discussion nyo dito, I think these are the best place I can start to invest. any other suggestion po. :thankyou:


kobabear

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Hi guys, newbie here. :hello:

in UITF or MF, the profit or loss depend on the day you redeem it. kung ang navps/navpu ay high or low in relation sa initial selling price when started the investment. Tama po ba? Kahit na 5 or 10 yrs ko pa ito bago iredeem, the profit still depend on the actual price of navps/navpu if high or low. Am I correct? Salamat po sa info.

I plan to have both UITF and MF, can anyone please suggest to me where can I start to invest. :thankyou:

heres my target to start with
UITF=BDO
MF= Sunlife
based sa mga discussion nyo dito, I think these are the best place I can start to invest. any other suggestion po. :thankyou:

You're correct. Redemption values are calculated using the NAVPU / NAV  at the end ot the redemption date regardless of the duration of your investment.

I think your choices are OK and you can explore further as you gain more experience. Happy investing. You're doing good, man.  :welcome:


vontayap

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Kobabear  :thankyou:

Newbie question again, anyone here encountered loss on any investment in UITF/MF? Any reason why you sold it? :-\
Is it true that year 2006 was very bad from UITF/MF that many investors panicked out?   :help:


FFreedom3

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Kobabear  :thankyou:

Newbie question again, anyone here encountered loss on any investment in UITF/MF? Any reason why you sold it? :-\
Is it true that year 2006 was very bad from UITF/MF that many investors panicked out?   :help:

Yes experienced it this year. I pulled it out because I want to play in Stock Market :hihi:

If you have atleast 15 years investment horizon then Invest it in Equities.

Caveat


kobabear

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Kobabear  :thankyou:

Newbie question again, anyone here encountered loss on any investment in UITF/MF? Any reason why you sold it? :-\
Is it true that year 2006 was very bad from UITF/MF that many investors panicked out?   :help:



Losses and gains are regular occurrences in UITFs. I have more (90%) instances of gains actually because I redeem my funds when they are gaining. I only redeem losing funds when there is a potential for future gain. I have redeemed money market funds with 1% loss and re-invested it in the Equity Fund and ended up with 20-30% annualized gain.

UITFs started 2013 on fire. I think it gained 20% YoY but there was a major correction last June.  The correction that happened in 2006 looked worse than it should because a lot of people panicked. A lot of investors then are not really educated with the in/outs of investing but those who did made a killing by staying the course. Now this opportunity can be had but first educate yourself by reading extensively here. If you could search posts from these guys, you're in good hands:

bauer, freefront, FG, kithe, tony8898, prospera, vicces, mikoangelo, (to name a few) and the Member of the Month awardees.

Good luck to all of us.  :rakenrol:


JamieLo

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Regarding BDO's UITF-EIP, what will happen if you were not able to fund your bank account with the amount supposed to be allocated for your monthly investment? What will happen to your previous investments?


mxherr5

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walang mangyayari, no penalties or anything and then tuloy lang ulit next contribution date.


 


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