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

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oca1101uk

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@ ranne try to read and understand UITF website which is www.uitf.com.ph

I'm trying to compare all the banks and securities, it seems that AB Capital is offering the highest yield if you want to invest in a long term basis

but mga Ka PMTers correct me if I am wrong.


DonT

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^past performance is no guarantee for future performance. I do not think any bank can offer to provide the highest yield. It is purely based on the performance of their fund managers compared to others. Who can make a guarantee that one fund manager is better than the other? My 2 cents.


oca1101uk

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^past performance is no guarantee for future performance. I do not think any bank can offer to provide the highest yield. It is purely based on the performance of their fund managers compared to others. Who can make a guarantee that one fund manager is better than the other? My 2 cents.

Thanks @ DonT, I honestly agree with you. Performance counts...


zer0c0ol21

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Thanks @ DonT, I honestly agree with you. Performance counts...

performance counts where?


DonT

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^Performance of the Fund Manager relative to the other Fund Managers.


joshboz

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hi guys ive been lurking for a week now and learned how to invest in uitf from different comments and websites suggested in this forum.. and today i just opened 2 equity products of BDO- sustainable dividend and focused equity....both looks promising from my standpoint :)

cheers

- from joshboz (ofw) of saudi arabia


richpulubi

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hi guys ive been lurking for a week now and learned how to invest in uitf from different comments and websites suggested in this forum.. and today i just opened 2 equity products of BDO- sustainable dividend and focused equity....both looks promising from my standpoint :)

cheers

- from joshboz (ofw) of saudi arabia

Why these two instead of the BDO equity?


phreyesj23

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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.

Laki naman ng sahod mo Sir  :applause:

1. San po magandang mag-invest? Target ko ay at least 5 years for my son's college education.
** Since liquidity in five years ang target nyo, you can invest your money in (A) Time deposit with maturity of 5 years, (B) buy PERA at known banks, minimum I believe is 100K, (C) buy PAGIBIG BONDS almost same with PERA or (D) Mutual Funds or UITF. Highest potential of return (NOT GUARANTEED) of course is with Mutual Funds or UITF, pero highest risk din 'to so there's no assurance na kikita ang pera nyo in 5 years, baka nga mag-negative pa kung masama ang market, depende kung sino papalit kay PNOY.  :hihi: PERA has the safest yet reasonable interest rate among the options I gave you since it's backed by our govt.

[2. Ilang percent ba ng salary ko kailangan ko invest? (My salary is around 170k+/month for 6 months contract).
** Eto basic computation sir, let's say ang tuition ngayon sa school na gusto nio para sa anak nio sa college ay 10,000 per year (maliit nalang para madali sa Math).  :harhar:

Each year, ang value ng pera natin is lumiliit dahil sa tinatawag na "inflation". Ito po yung pagtaas ng bilihin na wala makakapigil kaya ang halaga ng pera ay lumiliit. Ang average annual inflation rate naten sa pinas ay 4%-5%. Let's stick with 4% with your case. So to get how much you need in 5 years from now (2019), add lang naten ang 4% ng current tuition fee which is 10,000 kada taon para makasabay sa inflation:

-------------------------------------------------------------------------------------------------------------
Year    Your Money   4% adjustment due to inflation                  Needed Money
-------------------------------------------------------------------------------------------------------------
2014    10,000    400                                                              10,400
2015    10,400    416                                                             10,816
2016    10,816    432.64                                                       11,249
2017    11,249    449.94                                                       11,699
2018    11,699    467.94                                                       12,167
2019    12,167    486.66                                                       12,653
-------------------------------------------------------------------------------------------------------------

To make it simple, yung 2,653 po sa  12,653 ay ang halaga na *pwedeng* ibaba ng 10,000 nyo mula ngayon. Kaya para makasabay sa "inflation", kailangan kumita ang pera nyo ng 2653 din para pagdating ng taong 2019, 10,000 pa rin ang halaga na kayang bilhin ng 10,000 at hindi 7,347 na lang.  :watchuthink:

So yung magiging value after 5 years, idivide nio lang sa buwanang sahod nio (i.e. 120 months). Pero if you ask for a specific rule, you might want to try the 80-20 rule or 80% expenses at 20% savings or kung mabait po kayo 70-20-10 or 70% expenses 20% savings and 10% for God. The basic formula is to Save before you Spend or:

Salary - Savings = Expenses

instead of

Salary - Expenses = Savings  :hihi:

3. Ano magandang health insurance?
** tanungin po ninyo ang Manulife kung pwede ba kayo mag-add ng "rider" sa current insurance nyo ng "hospitalization" or "permanent disability" benefits. kung hindi, un ang hanapin nio. :cool2:

4. Wala pa akong ibang source of income maybe you can suggest some.
** Marami po, 'yung mag-open ng sariling business ska na siguro tutal nagwo-work pa kayo.  :hihi: I suggest you open Mutual Funds for your retirement, or find a good MLM company that you and your wife can do part-time.  :yoohoo:

Sana nakatulong po ako. Wala kasi sumagot sa inyo sa mga tanong nio  :hihi:


« Last Edit: Aug 01, 2014, 04:51 PM by phreyesj23 »


joshboz

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mxherr5

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@phreyes, is PERA even available yet? I believe the drafting of the IRR
hit a snag and its been in limbo ever since.

@joshboz, so basically you're investing emotionally as opposed to
rationally. I hope that works out for you. :)


DonT

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^yup, is there more info on PERA?

@joshboz, hope you had your good vibes after evaluating the difference of the funds and understanding that the particular fund will serve your purpose or goal.


joshboz

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hi experts and profs in uitf just want to ask if you one very basic  question? :dunno:

if you go and buy a new uitf fund today 8/5/2014 BEFORE the given cut down time what would be the prevailing price of each NAVPU? is it the price from yesterday that was the most recently posted online ex. as of 8/4/2014 yesterday? or the one which is to be determine  today until the cut off time and will be posted online on the next day 8/6/2014?

i hope my question is clear..  :imsorry:
« Last Edit: Aug 05, 2014, 05:11 AM by joshboz »


Terzaghi

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hi experts and profs in uitf just want to ask if you one very basic  question? :dunno:

if you go and buy a new uitf fund today 8/5/2014 BEFORE the given cut down time what would be the prevailing price of each NAVPU? is it the price from yesterday that was the most recently posted online ex. as of 8/4/2014 yesterday? or the one which is to be determine  today until the cut off time and will be posted online on the next day 8/6/2014?

i hope my question is clear..  :imsorry:

im not an expert but as far as I know, if you order before the cut-off time (different from the market close), the price you'll get would be the closing price (NAVPU) today (Aug 5). but if you posted your order beyond their cut-off time, then the price you'll get would be the closing price on next day.
im not sure how strict they are with the orders posted beyond the cut-off time because there was an instance before that I placed my order just a few minutes past the cut-off time and my order was still done for that day.


DonT

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^Yes thats correct. the NAV you get is always which comes later. You can never know what the NAV is when you are buying. Same goes with selling.

I don't know how someone could be able to post after cut-off, pero normally they close 30 to 15mins before cutoff...kasi aayusin pa nila yung papers. Sa mga branches na malayo or hindi sanay sa mga placements, they ask an hour or 2 pa nga.


mxherr5

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Yep, you will never know the NAVPU you are going to get beforehand.


 


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