PMT Forum
Do you want to make money today? :)

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

iam · 768 · 238256

JamieLo

  • Probie
  • **
    • Posts: 18
    • Likes Received: +0/-0
Paano po kung matagal natigil at naubusan na ng maintaining balance ang bank account? Pwede ba ituloy uli ang EIP using a new bank account let say after several years of being inactive?
« Last Edit: Aug 11, 2013, 09:51 AM by JamieLo »


garter26

  • Probie
  • **
    • Posts: 16
    • Likes Received: +0/-0
Hi po sa mga masters dito! I've been lurking for quite some time now in this forum and I  decided to register to ask for advice to the masters here.

I am 23 years old and I have 320k+ worth of savings na hirap kong inag-ipunan sa sobrang pagtitipid thru working for more than 2 years now now which is nakastock lang sa savings account (BPI Maxisaver and BDO), I realized na walang masyadong tinutubo ang pera ko and course inflation rates beats the interest rate of this savings account. So this time, I want to try investing naman and I want to try BDO UITF, Since first timer ako when it comes to investing, I would like to invest first 100k, 50k would be as lump sum sa BDO Equity Fund and I will park there siguro for more than a year than I'll just add up some funds pag nakita kong kumikita naman. Then the other 50k, I'll do cost averaging thru BDO -  Balanced Fund, siguro hulugan ko na lang ng 5k per month then if kumita naman dagdagan ko pa ng dagdagan even I surpassed my 50k budget since may emergency fund naman na ako. What can you advice po sakin na wala pang experience sa investing? My goal is to have atleast a decent house and lot and a car when I reach age 30 and kahit na 1million savings pwede na. Bata pa naman ako so ok lang siguro ang risk pero ayaw ko naman po na mawala bigla ang pinaghirapan ko. I save and planning to invest kasi ayaw kong maghirap pa since lumaki kami sa hirap. Any advice? Safe po ba ang UITF even equity funds? I know there is risk pero on the average? madami na ba nalugi and/or kumita sa UITF? Looking forward to your advice! Thanks po!


Garmin

  • Newbie
  • *
    • Posts: 7
    • Likes Received: +0/-0
Hi po sa mga masters dito! I've been lurking for quite some time now in this forum and I  decided to register to ask for advice to the masters here.

I am 23 years old and I have 320k+ worth of savings na hirap kong inag-ipunan sa sobrang pagtitipid thru working for more than 2 years now now which is nakastock lang sa savings account (BPI Maxisaver and BDO), I realized na walang masyadong tinutubo ang pera ko and course inflation rates beats the interest rate of this savings account. So this time, I want to try investing naman and I want to try BDO UITF, Since first timer ako when it comes to investing, I would like to invest first 100k, 50k would be as lump sum sa BDO Equity Fund and I will park there siguro for more than a year than I'll just add up some funds pag nakita kong kumikita naman. Then the other 50k, I'll do cost averaging thru BDO -  Balanced Fund, siguro hulugan ko na lang ng 5k per month then if kumita naman dagdagan ko pa ng dagdagan even I surpassed my 50k budget since may emergency fund naman na ako. What can you advice po sakin na wala pang experience sa investing? My goal is to have atleast a decent house and lot and a car when I reach age 30 and kahit na 1million savings pwede na. Bata pa naman ako so ok lang siguro ang risk pero ayaw ko naman po na mawala bigla ang pinaghirapan ko. I save and planning to invest kasi ayaw kong maghirap pa since lumaki kami sa hirap. Any advice? Safe po ba ang UITF even equity funds? I know there is risk pero on the average? madami na ba nalugi and/or kumita sa UITF? Looking forward to your advice! Thanks po!

hi garter26,

galing mo dude!  you are on the right track.  i suggest you look into getting yourself  insured first before going into other investments.  you are the best asset of them all, kaya protect yourself muna before anything else.

also, leave at least 6-9mos worth of your expenses in TD as your emergency fund.  whatever is left you can invest in UITF and/or MF.  there are quite a good number of companies who offer UITF's and/or MF's.  scout and compare their peformance then take the plunge.

one more thing, continue saving and investing.  part of your salary should go to savings/investment and/or on things that appreciate in value.  with good discipline, you'll hit your 1st Million in no time.  chart your progress and reward yourself din!

good luck dude!


garter26

  • Probie
  • **
    • Posts: 16
    • Likes Received: +0/-0
Thanks dude! I already enrolled for BDO UITF and lumpsum 80k to equity fund and will cost average 5k monthly for balanced fund and I enrolled it to BDO EIP. Dagdag na lang siguro ako ng funds in the future if mejo comfortable na ako sa investment na ganito. Sana nga nasa right track ako! I'm very glad I joined this forum. Sobrang dami kong natutunan.


bravelicious

  • Junior Member
  • **
    • Posts: 32
    • Likes Received: +0/-0
hi. tanong lang po. mukhang hindi maganda ang performance ng pfif at equity ng bdo uitf? i've been busy for quite some time kaya hindi na ulit nakapagbasa basa dito ngayon na lang ulit. chaka sa uitf pala kung how much monthly kong iniinvest yun lang ang ni-place nilang investment hindi yung total amount ng naipon ko using EIP? tama  ba? bkit ganun?

thanks in advance.


mxherr5

  • PMT Idol 1000
  • ****
    • Posts: 1,407
    • Likes Received: +0/-0
hi. tanong lang po. mukhang hindi maganda ang performance ng pfif at equity ng bdo uitf?

Compared to what sir?
The market is going down right now eh..all equity funds are down by a lot.

chaka sa uitf pala kung how much monthly kong iniinvest yun lang ang ni-place nilang investment hindi yung total amount ng naipon ko using EIP? tama  ba? bkit ganun?

Hindi ko ma gets yung tanong nyo sir.
Yes, kung 1k per month ang EIP mo then 1k per month ang maiinvest
hanggang sa umabot sa market value na 10k ang EIP investment mo
at ma "spun off" sya at bibigyan ka ng COP.

Ano ibig mong sabihin sa total amount naipon?


electrickoelectric

  • Newbie
  • *
    • Posts: 4
    • Likes Received: +0/-0
tanong lng po kung tama kasi nagopen ako ng uitf sa bdo sept 16 morning tama po ba na ang naavail ko na value ng navpu ay for sept 16 which is computed the night of sept 16?meaning ndi ko alam ang navpu when i open and need to wait ang compitation after the day.

so for example gus2 ko na ipullout ndi ko rin alam ang value and need to wait till 7pm?


kobabear

  • Forum Master 400
  • ***
    • Posts: 429
    • Likes Received: +0/-0
12 noon cutoff. Kaya kung pasok ka dun, avail mo ang NAVPU by that day which is available at night time. This is applicable for both placement and redemption.

Di mo alam syempre ang closing NAVPU but for equity funds a good guide will be the PSEi. They are closely correlated so alam mo kung tataas o bababa NAVPU for the day. Pero be aware of the cutoff time.


electrickoelectric

  • Newbie
  • *
    • Posts: 4
    • Likes Received: +0/-0

katkatmachine

  • Forum Expert 600
  • ****
    • Posts: 675
    • Likes Received: +1/-0
up to 12noon pla cutoff. after 12 d n cla ngprocess?

magpaprocess pa rin sila kung after 12 noon ka nagbuy/redeem pero yung price the next day ang makukuha mo.  :D


freefront

  • VIP 4500
  • *****
    • Posts: 4,888
    • Likes Received: +9/-0
^kat, forward pricing ang UITF? Ang intindi ko kasi sa cut-off (ng MF, ha?) After 12:00 noon, yung calculated NAVPS na ang applicable sourced from the prices of the same day. Before 12:00 noon, applicable pa dun ang yesterday's NAVPS.

Wait. ^that is exactly what you said. Meaning, From 12:00 noon today until 12:00 noon tomorrow( or Monday), the same ang NAVPS.


katkatmachine

  • Forum Expert 600
  • ****
    • Posts: 675
    • Likes Received: +1/-0
Wait. ^that is exactly what you said. Meaning, From 12:00 noon today until 12:00 noon tomorrow( or Monday), the same ang NAVPS.

opo. hehe.

basta po if you redeem your shares today before the cut off time (12 noon) you will get the navpu that will be calculated on that day. pag after 12 noon na po kayo nagredeem, ang navpu na makukuha niyo ay yung tomorrow's price.

:D


palailai

  • Forum Expert 500
  • ****
    • Posts: 503
    • Likes Received: +4/-0
sa bpi ang cut-off is 2:30pm for buying/redeeming of mf/uitf after 230pm navps/navpu of the following day will be use  pero sa bdo 12noon as usual...


kobabear

  • Forum Master 400
  • ***
    • Posts: 429
    • Likes Received: +0/-0
sa bpi ang cut-off is 2:30pm for buying/redeeming of mf/uitf after 230pm navps/navpu of the following day will be use  pero sa bdo 12noon as usual...

If this is true, then it is very important because you can track the PSEi which closes at 4PM and be guided in your entry/exit strategy.


kobabear

  • Forum Master 400
  • ***
    • Posts: 429
    • Likes Received: +0/-0
BPI funds have different cut-off times. Odyssey funds cut-off maybe 2/2:30 PM but the next day's NAVPU is applicable.

Please refer to this link:

https://www.bpiassetmanagement.com/pages/order-cut-off--settlement-schedule


 


PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • Niel Jhacoubs: Can someone save me?
    Mar 24, 2020, 01:39 PM
  • Niel Jhacoubs: I'm tired.
    Mar 24, 2020, 01:39 PM
  • Victorvargas: Hello sa lahat po new lang po dito. Hope na marami matutunan ako about business.
    Mar 21, 2020, 09:43 PM
  • Niel Jhacoubs: Yoh, its been a while.
    Mar 17, 2020, 10:33 AM
  • demi07: Hello everyone! New in pinoymoneytalk :)
    Mar 14, 2020, 01:24 PM
  • theappswitch: Hi!
    Feb 25, 2020, 03:14 PM
  • mike2020: hi po sa inyo lahat
    Feb 23, 2020, 11:52 PM
  • Jayjayqwe: hi po
    Feb 19, 2020, 11:27 PM
  • tirs d pip: hello
    Feb 18, 2020, 02:32 PM
  • Ace1105: Hello sa lahat...  :hello:
    Feb 07, 2020, 09:46 AM
  • FREYAHYARA: Anyone knows where Ig shops like styledom.ph, thriftme, instashoppeavenu and the likes get their items for selling. Would like to venture in the same business but would like to know where and who the suppliers are
    Jan 28, 2020, 09:38 PM
  • Niel Jhacoubs: To bpc85 kung nakalagay ang inyong names sa beneficiary list ng iyong ama kay may makukuha po kayo.
    Nov 28, 2019, 02:18 PM
  • Niel Jhacoubs: Hellooooo, its been a while. :)
    Nov 28, 2019, 02:16 PM
  • miakashidou31: hi , meron po ba ditong nagta transfer sa paypal?
    Nov 05, 2019, 01:46 PM
  • whennedy: good noon po
    Oct 18, 2019, 12:04 PM
  • edzlpdac: goood day po sa lahat!
    Oct 12, 2019, 03:37 PM
  • bpc85: ask lng sana ako kung may makukuha ba kami ng Mama ko at ako or mga kapatid ko sa benepisyo ng aming Ama bilang membro ng AFPSLAI. thank you po.
    Sep 27, 2019, 12:52 PM
  • bpc85: Hi guys, im new here,.
    Sep 27, 2019, 12:52 PM
  • Anaperdi: Hi just want to know if meron dito who is into boundary hulog ng motorcycle? For mga riders ng courier. Pwede ba magpashare how it works? Naisip ko lang baka pwede ko ibusiness, meron na pala mga posts online pero di pa clear ang system sa akin. thank  you sa makakapansin
    Sep 21, 2019, 11:32 AM
  • Anaperdi: Hi newbie here..
    Sep 21, 2019, 11:19 AM
  • jprios: May contact ba kayo kung sakali?
    Sep 18, 2019, 06:11 PM
  • jprios: Sino pwedeng mahiraman dito?
    Sep 18, 2019, 06:09 PM
  • kfg52: Present!
    Sep 15, 2019, 07:26 PM
  • juju31: san po ba may nag papahiram dito
    Sep 14, 2019, 07:18 PM
  • juju31: hello
    Sep 14, 2019, 07:18 PM
  • FutureGizmo: Thanks julz! Medyo ganun nga trabaho namin ngayon, to monitor spam posts kasi ang daming spam bots. But thanks for reporting. Auto-ban agad ang spammers sa amin haha
    Sep 07, 2019, 12:17 PM
  • julz: @FutureGizmo si @nikkikv18 just posted more than 10 posts about porn sites. hay, spam.
    Sep 03, 2019, 01:05 PM
  • Cid_brent: sino po dyan pwede magbigay send ng paypal funds and I will pay you using gcash?
    Aug 25, 2019, 08:58 PM
  • Meghan91811: Sino po may alam about Rice Farming...
    Aug 25, 2019, 07:44 AM
  • roselove: hello po sa inyo... newbie here
    Aug 06, 2019, 03:31 PM
  • Niel Jhacoubs: Sino palaging active dito?
    Jul 30, 2019, 04:15 PM
  • dagocjasonrey: Anong update dito?
    Jul 22, 2019, 08:49 PM
  • mark_Lee: anong bago dito
    Jun 28, 2019, 01:03 AM
  • mark_Lee: balita
    Jun 28, 2019, 01:03 AM
  • Lovelyprincess72: hi everyone , I'm newbie here
    Jun 27, 2019, 02:36 PM
  • Niel Jhacoubs: Musta?
    Jun 26, 2019, 01:43 PM
  • Forexanalysis: Hello
    Jun 25, 2019, 06:33 PM
  • Niel Jhacoubs: Hello sa mga online jan! :)
    Jun 15, 2019, 02:58 PM
  • oragon: :applause:
    May 20, 2019, 03:53 PM
  • FutureGizmo: Thank you for reporting those spam posts, oragon! Spam posts now deleted.
    May 20, 2019, 01:59 PM
  • oragon: Admin kindly monitor some peps! posting and sharing inappropriate nude photos and website links
    May 20, 2019, 01:52 PM
  • @culinary10: Hello I am new here! Regarding sa bdo life insurance for 8 years, pwede pa kaya ma refund yung binayad ko na 50k last year? Gusto ko sana icancel kasi lack of financial na, last may 15 2018 po un nag start ako ng life insurance, pinili ko annually kaso etong may 15 2019 wala nako ma ipay so gusto ko sana icash out, may alam ba kayo kung pano marerefund?
    May 17, 2019, 07:56 PM
  • FutureGizmo: Hi Sonny, the posting issue is now resolved. Thanks for informing us! We're currently testing a new, mobile-ready theme so let us us know kung may problema pa sa Forum. :)
    Apr 04, 2019, 10:40 AM
  • sonny.wapak: Nakaka receive din ba kayo nito pag gawa ng new post? "Please try again. If you come back to this error screen, report the error to an administrator."
    Apr 03, 2019, 10:56 PM
  • leonine_zafiro: what product nun?
    Apr 01, 2019, 10:25 PM
  • dhondiex27: hi
    Mar 30, 2019, 10:55 PM
  • lusart: jayrob i agree 200%. hulog ng langit organico. legit na legit
    Mar 29, 2019, 09:08 AM
  • palemelch: Hi
    Mar 28, 2019, 04:08 PM
  • O.C.W._AK: Magandang Araw sa Lahat! Blessings! (",)
    Mar 28, 2019, 08:42 AM
  • thor15: hello everyone, newbie here
    Mar 25, 2019, 01:47 AM