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

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jmces

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As a side note, this is one of the reasons for investing in an index fund.
On average, you will be getting the aggregate performance of all funds.

Still more applicable in the US where there are more funds than listed
companies(daw) and harder to pick the winner.

I myself just choose which ever fund has an "affordable" investment requirement
as my primary criteria, with low fees and convenience as secondary criterias :D

meron na ding ETF baka gusto nyo icheck :D pero mas ok padin direct stocks  :watchuthink:


richpulubi

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As a side note, this is one of the reasons for investing in an index fund.
On average, you will be getting the aggregate performance of all funds.

Still more applicable in the US where there are more funds than listed
companies(daw) and harder to pick the winner.

I myself just choose which ever fund has an "affordable" investment requirement
as my primary criteria, with low fees and convenience as secondary criterias :D

Kaya lang duda rin ako sa 'index fund' dito...parang hindi passivley invested...but let's see after a few weeks!


ferrariEverest

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Depende po yun sa fund, Sir. Check nyo yung prospectus kung ano instruments laman ng portfolio. Kahit index fund yata, minsan may halo pa ibang instruments, kung tama pagkaalala ko.


mxherr5

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@richpulubi, you said that BDO planned to offer a dividend-focused fund and
it looks like its now in their web page:
https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-sustainable-dividend-fund

The fee is at 1.25% p.a. though, but I guess it is lower by 0.25% compared to BPI's

Also, the NAVPU is not yet built into the site and BDO
actually links to uitf.com.ph so tada, uitf.com.ph is back online
which I just learned right now.

BDO seems to be awfully quiet about its new funds(there's
another aside from this one)


richpulubi

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@richpulubi, you said that BDO planned to offer a dividend-focused fund and
it looks like its now in their web page:
https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds/bdo-sustainable-dividend-fund

The fee is at 1.25% p.a. though, but I guess it is lower by 0.25% compared to BPI's

Also, the NAVPU is not yet built into the site and BDO
actually links to uitf.com.ph so tada, uitf.com.ph is back online
which I just learned right now.

BDO seems to be awfully quiet about its new funds(there's
another aside from this one)

Tingin ko, parang 'soft opening'.  I'm really excited about them and thanks for mentioning it, but I'm giving them a few days more just to see if the fund manager is competent!


yagami_kira

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Tingin ko, parang 'soft opening'.  I'm really excited about them and thanks for mentioning it, but I'm giving them a few days more just to see if the fund manager is competent!

They still have not released the complete list of stocks being invested on each of the fund. I need to see first the lists before I dive into this funds.

I hope the Focused Equity Fund means "less diversified". The BDO Equity Fund just like other average equity funds in the market have about 30 different stocks being invested which may be too diversified.


hunkinvestor

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Ang laki ng binaba ng NAVPU ng BDO Equity Fund. Di ko pa din ma-activate ang Trust Fund ko on-line since walang nakalagay ng CMN sa COP ko. Parati na lang tatawag daw sila sa akin ulit, di naman tumatawag. :(

I enrolled sa EIP, kaso parang nakikita ko di ko controlled kung kelan ko gusto mag buy ng addtl shares like ngayon. Pwede ba sa BDO yung transfer mo yung money from savings acct to Trust Fund? Para no need to withdraw na?

Would you advise ba na mag EIP ako? Mas marami ba talaga sya advantages?

Also, how can I track my investment kung wala pa ako CMN and I can't activate my Trust fund online?


Thanks. :)


mxherr5

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No but I hope they can implement one soon.
Only BPI and PNB among the banks have such a facility.

How long has it been since you reported this issue?
Have you tried escalating this?
Also, how are you contacting BDO? via phone or email?
You might want to try emailing them instead and copy
the trust department as well.



hunkinvestor

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No but I hope they can implement one soon.
Only BPI and PNB among the banks have such a facility.

How long has it been since you reported this issue?
Have you tried escalating this?
Also, how are you contacting BDO? via phone or email?
You might want to try emailing them instead and copy
the trust department as well.

About 3 weeks now. I tried calling the call center first then they said wala sila idea kung bakit walang CMN so they gave me the branch telephone number then I called them. It has been thrice already that I tried calling them and they would say the same response na follow-up nila sa main. I went there twice now to follow-up kaso wala na yung nag assist sa akin mag open ng account so I guess this would have to start from scratch again... ibang tao na naman kausap ko e.

Email works better for me, anong email address kaya?

Sorry for the OT. Anyway, tuloy lang ang pagbaba ng NAVPS nya ah. Mukhang before the year ends, we are to see the lowest NAVPS this year. hmmmm...

So at this point, curious lang. Ok pa ba ang may EIP?


gh0st

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^ depends on your strategy sir.

I cancelled my EIP sa BDO last year. I decided to do manual top-ups na lang since I have time to check the market once in a while. I usually allot 3k per month sa EIP so every 4mos. may COP ako. This year, I'll make sure I still save up or allot at least 40k/year for my UITF account then top-ups once I see market dips.


j_l

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Have you guys ever considered buying an ETF, particularly FMETF (sabagay sya lang ang nag-iisa sa market ngayon) rather than mutual funds or UITF. 'Coz halos same lang rin naman na ngayon yun don. Mas less pa ata ang cost/ charges, kasi ikaw mismo na ang mageexecute. Meaning you have full control na sa positions nyo at the same time medyo liquid sya, you can go in and out of the ETF "anytime", all you need is an online stock brokerage account. Wala pang minimum initial investment na 10k, tulad ng ibang UITF. Siguro ang talagang minimum na kailagan nyo lang sundin is yung sa mismong broker. In which 5k lang ang minimum na kailangan to open a trading account tapos you have full control na sa investment mo by just having a computer and an internet connection.
« Last Edit: Jan 05, 2014, 11:34 PM by j_l »


Lapiz

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Hi guys! Need your help here. I now have Php 1M from salary savings. I'm planning to put it under bond or equity UITF or any other investment vehicle. Problem is, I bought a condo and I have a balance of Php 1.5M which I need to pay for 10 years at 8.5% p.a. What is the best way to go about this problem?
            1. Continue with my plan to invest in UITF and just bear the cost of condo loan of 8.5%
            2. Reduce principal by 1M to minimize interest - problem here is that all my money would go into real estate industry. Hence, my assets would not be diversified.

Any opinion, suggestion, comments will be well appreciated.


j_l

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Ang laki naman ng interest rate nyan, compared sa ino-offer sa current market natin ngayon. I think you should ask your bank to refinance your loan, and i-keep up to the current interest rates natin ngayon. Unless sabi sa contract na "striclty" fixed ang interest rate mo, or any prohibitions in a certain degree na nakalagay sa contract nyo ng bangko to not readily change it.

All i can say is, there's no real guarantee sa UITF, Mutual Funds, ETF, Stocks, etc. But mas biased towards gaining siya, unless rin na-bankrupt ang stocks ng company na pinanghahawakan mo, if your holding only a single stock (stock market), although it's a bit's rare to find one sa mga stock listed companies na ma-bankrupt or wala* pa ata sa history ng Pilipinas na merong stock listed company na na-bankrupt. Iba naman story sa UITF, Mutual Funds, and ETF* kasi diversified naman yung investment na yon. So if your money is much more needed to pay for your loans in the future, maybe secure a certain amount na lang siguro, to cover at least a couple of years to pay for it para sigurado or reduce the principal na nga lang to a point na siguro kaya na ng part ng salary mo to pay for your loan, without having to pull-out "kagad" some funds na ilalagay mo naman sa investment.

Mahirap na ma-default sa loan maslalo na malaking halaga ang loan mo. Pano kung unexpectedly this year or in the coming years nag-plunge ang stock market "ulit" or worst pa nga negative ang end of year gains nya, edi at loses na investment mo at the same time baka madamay pa ang pagbayad mo ng loan mo sa bangko. Tapos ang supposedly na gains mo sa investment mo, na ipambabayad mo sana sa loan mo or ipandadagdag, naging bato pa kasi at a loss ka nga sa investment mo diba.

I project na tataas na ulit ang benchmark interest rate (decided by the BSP) natin in the near future, pero i believe not in the figures of "maybe 5%" and 6,7% or even close sa 8.5% na interest na binabayaran mo ngayon. Sobrang baba na kasi ng interest rate, all-time low, remember developing economy pa lang tayo hindi developed. Sa Indonesia nga alam ko mga 7% ang benchmark nila, halos parehas lang naman ang structure ng economy natin sa kanila, although mas malaki ang economy nila satin ng 3-4 times and medyo nagkaroon lang sila recently ng mga economic troubles.

Yung inflation rate rin natin tumataas, most especially caused by the recent calamities that we have and the cheap money from the FED are slowly depleting. Yun ang mga possible factors na pwedeng makita ng BSP to decide to increase the interest rate, if not this year, maybe by next. But maybe in small basis points lang siguro, to not shock the economy and ma-affect ang overall growth ng Pilipinas.

Kung mag-iinvest ka, doon ka kung saan may fixed interest rate/ kita sa investment mo, although mukhang walang nag-oofer ng malaking fixed interest rate ngayon, maski time deposit. Or kung mag-iinvest ka sa mga UITF, stocks, etc. dapat kaya mo pa rin makabawi kung malugi ka sa tamang oras na kailangan mo na ng pera, na pati salary mo i-consider mo kung kahit papaano kayang makabayad ng interest ng loan mo kahit hindi mo muna galawin yung investment mo.

Although sabihin na natin mag-iinvest ka nga sa mga ganon, pwede mo namang i-pullout (all or partially) yung money mo kung kailagan mo na. Just keep in mind the minimum holding period sa mga investments, particularly sa UITF/ Mutual funds. Pwede ka naman mag-pullout ng funds don earlier, pero may certain amount of charge nga lang sayo. Sa ETF and stocks wala namang minimum holding period......

Kahit ano mang papasukan mong investment, just make a calculated entry and exit palagi, maslalo na, ang payment ng loan mo rin ang at stake.
« Last Edit: Jan 07, 2014, 05:03 PM by j_l »


agui

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Please help po. Newbie here. Seaman po ako na gustong mag invest.
Currently I have life insurance of 1M in manulife.
Wala pa akong health insurance.
I have wife and 2 children.

1. San po magandang mag-invest? Target ko ay at least 5 years for my son's college education.
2. Ilang percent ba ng salary ko kailangan ko invest? (My salary is around 170k+/month for 6 months contract).
3. Ano magandang health insurance?
4. Wala pa akong ibang source of income maybe you can suggest some.

May savings account ako ngaun sa BDO.
SSS pa lng ang inaasahan ko ngaun sa retirement ko.

Please give me some advice. Thanks in advance.
By the way I am 34 years old now.


ranne

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hi im a newbie in here. i have a friend who had long invested in stock market through metrosec. he later on introduce to me about uitf through metrobank with an initial investment of 25k . can i ask if when could be the  right timing to start investing in uitf as i am looking for a long term investment. i am a student and ive been earning extra income by lending money with an interest yet just like any other business sometimes ive got a hard time collecting them back again


 


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