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Mutual Fund or UITF?

Jnbs07 · 639 · 179803


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Can u help me find some good UITF in d Philippine todsy?


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^^^ Depende sa preference mo. Meron kasing nagaalok ng UITF na pangit ang performance last years pero maganda ngayon dahil sa pagiging conservative nila. Meron naman aggressive kaya mataas the past years pero poor ngayon sa performance this year. Equity ang pinaguusapan natin ditto ha. Pero sa totoo lang kung titignan mo ang mga performance nila ngayon parang halos lahat mababa e. Kahit ata balance fund mejo pababa ang mga graph nila. Kaya nasa sayo yun kung saan ung bank na mas comfortable ka at mas accessible sayo.
Try nyo po tignan yung for reference


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hi..i'm a newbie here and hope someone could enlighten me with regards to investment.
-based on your experience, which one is better in terms of performance UITF or MF?
-let's say i invested10k in a mutual fund, and mothly i would top-up 3k. is there a charge for a fee? how about for UITF?
-how would you sell your shares in UITF/ MF?
-can you redeem a fraction of your investment?
-is it advisable to invest in Phil. rather than abroad? coz i'm an OFW.



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@ slatem

Please backread. All your concerns have been addressed pages and pages ago *  :welcome: to the forum.

If someone could address this though: May spread ang UITF, di ba? Pag nagpasok ka ba ng investment, sa bid price papasok. Tapos, pag nag-redeem ka, sa Sell price lalabas ang pera. So, aside from the built-in fees na nasa trust fee, you will also incur a "loss" by way of the spread? 


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hi @freefront,

thanks. i'm still learning a lot through this forum. though if somebody could elaborate more, the better. :thankyou:


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Check nyo po side by side kung alin ang mas comfortable kayo.
1. trust fee or equivalent
2. exit fees or equivalent
3. bank/company na mas pinagkakatiwalaan nyo
4. Holding periods
5. Access, baka ayaw nyo syang iaccess dahil sa temptation na magalaw. Or, access na gusto nyo makita/makuha just in case.

Maganda ata pumasok nowadays dahil ang baba ng values, lalo na at may nangyari sa Paris.


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Sorry po but both not true.
1. Not just same terms except for navps and navpus.
Most uitf dont have entrance and exit load while most mutual funds have.
Financial advisors or agents of mutual funds earn commission while bank personnels dont earn any commission when you make a placement with them.

2. Uitfs are also transparent as to where they invest.

Now this is something new for me, when I opened my bpi uitf and bdo uitf there were no specific files of the uitf that showed as where they would invest it :bahalaka: Oh and care to share for the benefit of others the difference between uitf and mf in terms of its concept and other terms? :thankyou:

I'm really trying to figure out how they differ in concept.
« Last Edit: Sep 23, 2019, 04:24 PM by FutureGizmo »


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It depends on your style/goals. Pero sa akin lang, why pay more for fees? I also always go for the top performers, which are usually UITFs. Yes, I know, I know, past performance is not indicative of future returns, but I think it's a gauge of how the fund managers handle bull/bear markets.

Meron din iba, ang investment style nila is they name their investments, ex. health fund, retirement fund, travel fund, education fund, and etc. This categorization could be a reason for you to split your money among different funds.

Pwede din you just want to monitor how different funds perform, hence a reason again to split your money.

But ako, style ko is go for the top -- and most convenient -- ones. Tsaka ko na i-split 'pag meron na profits and gains to split.
« Last Edit: Oct 24, 2019, 11:44 AM by FutureGizmo »


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