BDO Easy Investment Plan Review and UITF Benefits

Why should you invest BDO Easy Investment Plan UITF? What are the benefits compared to regular UITFs? This is my ultimate review and guide about investing and monitoring BDO EIP.

UITFs like Mutual Funds are one of my favorite investment products. If you’re a regular reader of this website, perhaps you know that already. I’m not gonna talk about what they are in this post, if you’re new to UITF and you want to get to know them better, just head off to our Millionaire topics and come back here.

If you want to open UITF by investing set-aside-money every month instead of one-time investment, then go for BDO EIP. BDO Easy Investment Plan as what it’s called completely is a terrific option for UITF periodic investment.

This Trust Fund is like a Magnum Gold with Salted Caramel type of fund because you know to yourself you need to have one. Yes, it is irresistible but it is also a MUST have.

What is BDO EIP?

BDO EIP is an Easy Invest Plan for UITF (Unit Investment Trust Fund). It allows the investor to invest on a regular basis or on a periodic schedule instead of one time placement. This affordable way of investing will also help to minimize risk by executing cost-averaging method of investing.

Why I choose BDO Easy Investment Plan?

  • It’s literally savings plus investing rolled into one.
  • I want a UITF product that enables me to invest monthly for 3-5 years or more
  • It’s another way to diversify my funds
  • Earnings are computed using Cost Averaging Method which is cool even though the market is up or down

If you are wondering what type of BDO UITF I use for EIP, I’m using Equity Fund. I know it’s the riskiest fund yet I know EIP uses Strategic Averaging Method in computing income and losses so I’m pretty confident I would earn profit in the long run besides I’m keeping my funds for 3 years or more. To sum up, here are my points:

Why I choose BDO UITF Equity Fund for my Easy Investment Plan?

  • It is majority invested in stocks
  • The higher the risk, the higher the earnings
  • I love BDO Equity Fund’s performance
  • I like its holding companies (PLDT, Ayala Land, SM Investments, Ayala Corp., ICTSI, Alliance Global, Megaworld, SM Prime, DNL Industries, Petron etc.)
  • My goal is long term
  • EIP used Averaging Method (a.k.a. Cost Averaging) so it’s a win win!
bdo easy investment plan review

BDO Easy Investment Plan Review and Earnings Report

BDO UITF EIP is among my newest investments. So far it’s amazing because I can monitor my investment via BDO Online Banking and I can see there all the income incurred every month. Since it’s a new fund, I decided to set aside 2000 a month first and wait for few months to increase my monthly placement. I’m planning to make it 5000 a month perhaps when a plunge this year occurred. They usually come anyway.

bdo easy investment plan review benefits
BDO Easy Investment Plan Earnings Report using 2K per month placement. As you see, it”s only been just few months yet I earned 4,897 already what more after 5 years or so. What more if I made my placement to 5K…

Benefits of BDO Easy Investment Plan

Using BDO Easy Investment Plan is so affordable, convenient and comfortable because no matter what type of UITF you choose, you will feel confident you will earn profit in the long run whether NAVPUs go up or down.

With EIP, you can choose how and when your funds will be invested – 5th, 10th, 15th, 20th, 25th, 30th of the month your choice. It is an Automatic Debit Arrangement (ADA) so you can elect how much fund will be debited from your bank account and will be added to your UITF.

BDO UITF Products Available for Easy Investment Plan:

  • Peso Fixed Income Fund
  • Peso Balanced Fund
  • Equity Fund

What are your views about BDO UITF Easy Investment Plan? Don’t have UITF account yet? Go to this page now to know how to open UITF account in BDO before you make one.

Fehl is the founder of Philpad and has been writing online for 12 years. She has a bachelor's degree in Accountancy and a background in Finance. She is a licensed Career Service Professional and author of a poetry book at Barnes & Noble. In her spare time, she likes to travel and discover new places.

202 thoughts on “BDO Easy Investment Plan Review and UITF Benefits”

    • Yes, if you make it monthly or periodic investment a.k.a. Peso-Cost-Averaging method. PCA method is a one of the best strategies when investing in stocks or equities

  1. Hi Ms. Fehl, question po regarding my Balance Fund UTIF sa BDO. Nag start kasi ako, 3 years ago, April 2015, 1k per month. Since 3 years and 2 months na ko nagiinvest, ang total ng hinulog ko na ngayon ay Pph 38k. Pero bakit ang investment amount ko is nasa 36k + lang?? Tapos loss ng 2k, kaya 34k+ na lang ang value niya. Bakit pababa ng pababa ang investment amount ko? 2k lang nakalagay na loss, pero ang totoo is 4k na. Di ko magets???

    • Hi there, you need to consider the management fee and it’s tax as well. That will be deducted from the money you invest like mine.

  2. Goodmoring po, tanong ko lang po yung every 3 months may bbasan po ako ng 7500 ung sa Peso Moderate Fund and Peso Dragon Equity Fund. OK din po ito investment 1stym ko po kasi sa BDO po yan. Then halimbawa po Oct 24, 2017 po una ko hulog ng 7500 kailn po ito mbbwas sa debit acct ko ang another 7500 namn po? May mag eemail po ba sa kin o mttngp ako na txt na binwas na po sa debit acct ko? Salamat po Mam

  3. Dear Ms. Fehl,

    Good day!

    Really glad to read your blogs and really encouraged me to explore more about possible investments in the future. And just recently, I have invested in BDO Peso Balance Fund.
    Just confused po what will be the next step I should do once I reached the 10,000
    Whether it will gain or loss. I don’t have any plan to redeem since I set my self to invest for longterm
    but my question are……?

    Do I need to pay 2,ooo monthly continuously ? or BDO will stop debiting the same on my account automatically?
    Pano po ba yung computation ng earnings if ever I will invest 2000 monthly for 3 years?
    And what will be the best time to redeem my investments after that period?

    Looking forward your favorable response.

  4. hi ms fehl..
    is it possible to redeem EIP as per the COP issued? I’m just curious because when i try, it shows only the EIP account number, which means if i redeem it all outstanding EIP’s will be sold. Please enlightened me…

  5. Hi po maam

    Kaka sign up ko lang din po sa Easy Investment plan.

    Ask ko lang po pano i view online yung earnings ng or any transactions for the EIP?


  6. Miss Fel! I am interested on investing. But I don’t have enough idea about it. Is there any crash course or orientation I can attend po so that I can learn everyhing about investing or stockmarket po?

    • Hi, go to the menu above and find our Stock Market Guides and Tutorials 🙂 You can also attend seminars sa broker companies where mo like mag-open ng account.

      • HI Miss Fehl,

        I wanted to buy uitf, but the trend are at its peak. is it ok to invest now or wait for it to lower? do i base uitf on their navpu values? thanks!

      • Hi Miss Fehl
        I am a seafarer and planning to invest in EIP for 5 years, to start 200k then 10k/month. Is there any advantage to start at higher ammount?

        Please reply…thanks.

  7. i have lump sum 10k for bdo peso balanced 1 month now.. i want to change to equity.. if i unsubscribe, will it cost me?? and i want to change to monthly contribution.. can i do it online??

  8. Hi Ms. Fehl!

    i’m interested in investing too, kaso madami pa po akong di alam although madami na akong nabasang blogs. Gusto ko po sana i-try yung Equity Fund, is it safe? 1k lang po kaya ko per month.

    • Yes, Equity Funds are suitable for long term investing (3- years or more). It is safe and I have been investing on Equity Funds for 4 years now. My money still growing. You don’t need to panic when the market is down as it will recover again

  9. Subject: Change in 15% Single Exposure Limit Policy
    Dear Valued Investors,
    The current Declaration of Trust of the BDO Equity Fund (the “Fund”) adopts a maximum exposure limit of 15%
    to an entity and its related parties. This is based on Bangko Sentral ng Pilipinas (BSP) Circular 447 (issued on 3
    September 2004). This circular has been amended by BSP Circular 577 (issued on 17 August 2007) to relax the
    maximum exposure limit for equity investments:
    “X410.8 Exposure limit to single person/entity. The combined exposure of the UITF to any entity
    and its related parties shall not exceed 15% of the market value of the UITF: Provided, that a
    UITF invested, partially or substantially, in exchange traded equity securities shall be subject to
    the 15% exposure limit to a single entity/issuer xxx”
    In order to be consistent with the above provision and to provide the fund managers with additional leeway in
    managing the equity and balanced UITFs, BDO’s Trust Committee and Board of Directors approved BDO
    Trust’s proposed amendment to the 15% Single Exposure Limit Policy. The proposed amendment was
    subsequently approved by the BSP on 5 October 2016.
    ano pong ibig sabihin nito

  10. Hi Ms. Fehl,
    I would like to ask what’s the difference between the two EIP: Peso Fixed Income Fund and Peso Balanced Fund? Thank you!

        • On the application form you filled up when you opened the UITF, you have an option either by pick up at the BDO branch or mail delivery. COP can also be downloaded online if you have BDO online banking

          • hi ms. fhel. i need your opinion. nag open kasi ako ng uitf account sa bdo last year amounting to 50k, nagwo worry ako kasi almost 7k na yung nababawas sa investment ko. gusto ko na sana i-withdraw kasi baka maubos lng ng hindi ko namamalayan.

  11. Hi ms fehl.,
    I’m trying to figure out how to do the stock trading until now but girl, isaksak ko man SA kokote ko di talaga pumapasok. Anyway I already have an existing investment in UITF and MF , so far it’s getting better unlike before .. Anyway I have a question ms fehl, I have bdo equity fund , eip with 5k monthly.. Diko nacheck online na Hindi pala enough yung money na andun SA account ko that day.. 13th. Then I deposited money on the 16th .. Anong mangyayari SA investment ko? Continue pa rin ba eip niya? I’m so worried and confused. I work overseas. Pls advice me and thank you.

    • Hi Yasi,

      I started UITF because of ms. fehl’s blog also and I would love to help you with your problem. If you’re account balance does not much to your monthly investment in UITF it will skip even if you deposited on the 16th. It will be deducted to your account to next month. Don’t worry to much as your EIP will still be continued unless you asked the bank to stop your EIP. Happy Investing! Hope it helps!

      Tezah Zulueta

      • Hi Ms. Fehl and Ms. Zulueta,

        May worry lang po ako. I invested at BDO-EIP as inspired by this blog. I chose BDO Balanced Fund and I decided na 1k/month muna since naguumpisa pa lang ako. Nagtaka lang ako kasi wala silang binigay sa akin na contract. Pinapirma lang nila ako and then umalis na. Though, nagrereflect naman sa passbook ko na binabawasan nila. Sadya bang wala silang ibibigay na parang proof of agreement?

        Plus, is there anyway para mamonitor ko ‘yung aking investment?

        • Hi Arlo,

          Yes wala sila pang ibibigay na contract but don’t worry too much about it. They will give you Certificate of Participation(COP) number when you reached 10k of your investment.

          Yes you can monitor your investment through bdo online. If you don’t have online account in bdo you can always create one. I monitor mine through there.

          Happy Investing. 🙂

        • You will receive your COP once you reached the minimum amount required for your chosen UITF. In your case, Balanced Fund, you need to reach 10,000 pesos. You can monitor your UITF performance at your BDO Online banking

  12. Good eve. I would like to ask Ms.Fehl is there an option where we can invest anytime we want? Like for example I schedule my contributions every 5th of the month at 2k what if I want to invest again the same month, let say I want to invest 5k anytime. Is it possible? and if it is, how can we do that? Can It be done through online also? Thanks for the response and but the way Thank you very much for sharing to us your knowledge and know-how. In fact you(this blog) have inspired and encouraged me to invest plus on how to spend/use our money wisely. Thank you and continue in your work. God Bless you richly!

    • Yes, you can invest a regular UITF anytime you want. If you have existing UITF with BDO, you can add another UITF you want using your BDO online banking. I will also publish a post about that here soon 🙂 God bless you, too.

  13. Hi,.

    what type of UITF you are referring to this is this the Equity Fund or a balance fund?

    “BDO Easy Investment Plan Earnings Report using 2K per month placement. As you see, it”s only been just few months yet I earned 4,897 already what more after 5 years or so. What more if I made my placement to 5K…”
    thank you

  14. Hi po mam, im planning to invest 10k monthly to bdo eip balanced fund, it means po na monthly rin ang release ng cop ko? kung ganun po mam pwede po ba na hindi ko muna kunin yung mga cops, ok lang po ba na banko muna ang magtago, then pag naka bisita na po ako sa branch nila bago ko kukunin, pwede po ba yun, malayo kasi sa city ang work ko, thanks po

  15. Good day po i just want to seek advice po i invested po kasi sa bdo eip peso balanced fund last january 2015 as of today po may na loss na po na 9000 sa investment ko nag gain lang cya kaso wala pa 1000 lagi na lang po nag loss…ano po pwede ko gawin? Withdraw ko na po ba then invest in another plan? What can you suggest po? Im afraid po kc na baka hindi na mag gain sayang ung nainvest ko

    Hoping po for your good advice
    Thank you very much po


    • Hi, im just wondering kung ano na nangyari sa investment mo. As far as i know, bdo equity fund is getting better nowadays…

        • I just started investing sa bdo eip equity in april 2016, this ia my 3rd month so far im gained a little alr. I invested 1k monthly since im only experimenting, but i must advice na you should wait until your shares hit a gain especially that the stocks is now booming. All the best to us!!! Cheers!!!

          • Duterte’s term has started brighter days in the stock market. I hope it will continue for a long time 🙂 Cheers to us all!

  16. hi good day gusto ko sana mag invest kc natutulog lng namn savings ko sa bank i want to plant invest for equity fund initial deposited is 150,000 and monthly is 10k for 5 years do you think this is good can you give me an advice regarding sa return of investment after 5 years im work abroad please help me ragarding my plan
    thank you and god blessed
    this is my email

  17. Hi po Ms. Fehl! I am an ofw for 2 years now. And i decided to try to invest in EIP. Is it a wise decision to invest 10k a month for 3-5 years duration? Is it too much an amount? Is it too risky. If u were me, Would u invest that much considering i am only new to this.?

    And by the way, when i reach the 3-5 years duration and decide not to redeem the money but to extend for more years instead, would that be possible? Or i will need to start anew?

    • Yes, 10K a month using EIP is a great plan even if you are a beginner as long as you can take the risks. Follow your plan of 3-5 years as equity funds usually see more earnings on those time. It’s always your choice when to redeem.

  18. Hi Ms. Fhel,

    I have a question. I started insvesting BDO EIP Balance fund last April 2015 with an amount of P1,000 per month (10th of the month). So it means that my total investment amount today should be P11,000. But when I check my account in BDO online, the invested.amount is only 10,079.58. And I gained P28 in my amount but for the past 10 months are always loss. I am checking regularly online my EIP account.. I am wondering why the invested amount is lower than it should be? I don’t know if it’s just a glitch or I lose my money. Kindly explain this to me. Thank you in advance.

    • Because of the equivalent units bought every month are not the same and they should reflect the current NAVPU, too. NAVPU today will also differ tomorrow or the next days. Your gain today also changes another day

      • Hi Ms. Fehl!

        First and foremost, thank you for sharing your insights! Blessing talaga ang philpad at dailypik. By the way, here’s my concern, I also invested 1k/month in EIP Balanced fund last June 2015. April ko pa ba makukuha yung COP. What if hindi umabot sa 10K yung investment sa april dahil sa volatile ang market (low NAVPUs) ?Will they still give me CMN para mamonitor ko ito online? Thank you in advance.

        • Hi, thank you for visiting. Since BDO Balanced Fund requires 10K minimum, you need to wait for your EIP to reach 10K or above before your fund can be considered as a regular UITF. Gumamganda naman ang performance ng market ngayon, I’m sure tataas ulit ang NAVPU, yung ininvest mo, mas lalaki ang value

  19. Hi fehl,

    First thank you for posting. You’ve been such an inspiration to me. I’ve started to invest in bdo uitf-eip after reading your post. Just a little question what if your cut-off date falls in weekend when will bdo credit my bank and transfer to my uitf account?

    Thanks in advance!

  20. hello po , tanong ko lang mas malaki ba ang tubo sa direct equity fund o same lang sa EIP let say pariho ako nag invest same date tapos konin ko after 5 years. same lang ba ang dividend?

    • Hi, regular is 1-time placement while EIP takes periodic placement. If nag-invest ka ng 50K sa regular UITF and 5K every month sa EIP, syempre mas malaki ang makukuha mo sa EIP method in 5 years

      • mas okay nga pala sa EIP nag invest na po ako 2k lang muna per month, doing good naman sa january ako nag umpisa ngayon naka gained na ako 354 hehe di na masama , 3-5 years mas okay ba konin? 🙂

        • pero pag nag bigay ako nang 5k per month in 5 years
          total nang nabigay ko ay 300k , pero pag nilagay ko po ang 300k ko in regular UITF which is 1 time investment mas malaki po ang tubo right?

  21. Hi Fehl,

    I invested in 2014 for UITF., that time I don;t have any idea about it though I have heard of it from my friends. My UITF I is invested in equity where I have to deposit 30K monthly for 5 years. Now, I’m confused how it is different with the other investment with 2K a month.Also, I am confused why they offered my the Generali Insurance?

    • It sounds like you have taken Variable Life Insurance. You mentioned Generali, they offer VUL (insurance with investment). the 2K per month you were referring may be from BDO EIP (read article above to learn more about it)

  22. hi! thank you for posting this! really helps! im planning to make a long term investment na din since i got my own business, 🙂 godbless!

  23. hi ms. fehl,

    i just got my eip approval recently though natagalan unf pgprocess ng bdo. anyway, can i ask some clarifications. is it possible i will start my initial investment of 10k then for succeeding month 2k. pwede po ba ma-edit ung monthly contribution ko? or pwede po ba every other month i could change my monthly contribution?


    • We can update our account although not every month. EIP is automatic placement periodically, what you put in the application will be your periodic placements. If you want to change anything, you need to update your account or ask your Trust rep. in BDO

  24. Hi ms. Fehl!
    2nd month ko na sana nung nov30 madededuct ng savings account ko for eip, kaso nakaligtaan ko na kulang pala funds ko. So hindi na nabawasan yung savings ko kahit nakapagdeposit nko nung 30 kasi weekend sya.. matutuloy paba yung deduction sa account ko every monhs bata may funds? Or goodbye na ba yung first hulog ko na 2k?

  25. Good evening, Mam Fehl.
    Thank you for sharing your knowledge. I am learning through reading each questions and answers. I am really planning to enroll in Unit Investment Trust funds EIP Equity Fund, the soonest as possible. As I read from above, Maybe I will start 10k then 2k/month and for 5 years. Hopefully I can have a source since I am still a contractual employee. So much grateful because I saw philpad. You gave us motivation and enlightenment for this kind of stuffs.

  26. HI PO MS, FEHL

    ANU PO BA MGA REQUIREMENTS SA BDO Easy Investment Plan Review and UITF Benefits


  27. Hi, May I ask for your advice? Naging interested kasi ako sa mga stocks. 1st time ako nag invest. By the way im 28 yrs old na pala, naisip ko sana mas earlier ako nag invest. Nag open ako ng BDO EIP Balance Fund account, automatic nakakaltas sa savings ko. April 10 ang first hulog ko. 1k per month. Nung April mataas pala yung value ng stocks kaya mababa na sa mga sumunod na months. Naka limang hulog na ko, 5k na. Pero never pa ko nag gained, puro loss. Ngayon, nasa P400 na loss ko. Huhuhu ? i understand naman na for long term yun, kaso natatakot ako, palaki ng palaki yung loss. Huhuhu. Any advice naman po. ?

    • It’s normal because the stock market is not performing well, it’s on a correction phase. Stay invested and stick to your plan. After a year or two, maggrow na yan

    • hehehehe you make me laugh rheeza,no worry its part of the game keep on investing set aside your emotion so there will be no huhuhuhu anymore ehehehehe….ms. fehl is right stick to your plan…..happy investing good luck..

  28. Hi
    Ms fhel
    Ask ano mas magandang strategy.
    Currently may Bdo PFIF ako 1year na. Then recently mas maganda ata bdo equity.
    I pull ouy ko PFIF then lagay ko sa equity or mag open ako ng bdo equity then reamin nalang uing PFIF para mag roll over nalang.

    • Hi. Depende po yan sa risk profile nyo as an investor and your objective. If you are aggressive and would like to invest for 3 years or so, ok ang equity fund

  29. Hi Ms. Fehl, thank you for your wonderful and helpful blog about BDO EIP. I have been investing for about 2 years and I would like to ask how you created the table above? Can you explain further what the columns are for? Is there a way I can get my historical investment for the past 2 years of investing? (NAVPU, total invested amount, etc.) I would like to monitor my gains/lost since I’m planning to invest more in the future. Your help is much appreciated, Ms. Fehl! God bless!

    Thank you for inspiring us to continue investing early 🙂

  30. Hi mam Fehl,

    First of all i would like to give you a million thanks for this very imformative blog. Marami ako natutunan dito, halos puyat ako sa kakabasa ng mga comments and suggestions mo. Now im proud to have my own UITF investment via EIP at BDO with 2k monthly,i choose EQUiTY fund as you always say na mas risky but with high returns. My goal is 60months. I’am 28 and im excited to look at it in the future.
    Mabuhay ka maam FEHL huwag ka mag sawang magturo kung paano mag impok at yumaman ang bawat pilipino! God bless.

  31. Hi ms fehl!
    Im 14 and want to invest in uitf. I heard about compunded investment. I’ll use my parent’s name cause im too young. What kind of uitf will you recommend to me? Im an agressive investor. I think maganda ang equity fund but i dont know kung ano ang the best kasi dami kinds of equity fund. I want to invest in a long term and high profit investment. I’ll soon invest in stock market. Any advice or tips in uitf? Thanks and god bless!

    • Equity Funds are suitable for aggressive investors and for 3 years or more investment plan. My advice is stick to your long term plan and continue investing monthly

  32. hi.. plan ko magplan ng uitf ask ko lng wala ba sila one time payment para sa uitf?.
    may MF ako 6kmonthly 10 yrs.gusto ko mag uitf maganda kc nbabasa ko base sainyo.thanks godbless

  33. Hi ms fehl!im so dsappointed kc nun ng apply ung mom q in bdo la cla mxado knowledge abt ther products,d nla m xplain mbuti.cgyro s mga places lng lng not all nmn.anyway,i just want your opinion @suggestion ms fehl kc im confused right now.i want equity pro nlilito p q in w/c fund.sustainable dividend fund or equity aggressive @ for long term.ano p b diff nia?i want to apply for EIP.thanks ms fehl !

    • Hi. Since aggressive ka and a beginner, I suggest EIP Equity Fund and either Sustainable or EF are good. Equity Funds are suitable for 3 years or so. Have a target and follow it.

  34. Hi,

    Medyo OT yung iask ko, Nag-invest kasi ako sa dalawang UITF and different banks din, one is SB Peso Equity and BPI Equity Value Fund, On your perspective ba, right move to? same sila tig 10k, and my goal is 1year, and every month 5k ang idadagdag ko sa kanila, thanks!

    • Hi. You won’t see much profit in a year right away. For Equity Funds, it’s mostly suitable for 3 years or so and the more you invest, the higher the return

      • Okay, pero right move ba na BPI and SB ang nilagyan ko ng UITF? hehe, Salamat sa mga article mo, at this early age na 21, nakapaginvest na ako, and naset ko na goal ko for 10years sa UITF,

  35. hello again ms fehl,

    planning to open this eip later hehe
    i already know this since last year but i passed the opportunity, now is the time to open one,,, i also share this info (like u are doing, sharing info) to my ofcmates and i am happy enough that from 15 people i talked only one is interested

    anyway, i did my part and like u said to me last time that i am enjoying my journey which is very true

    thumbs up to you

  36. Hi Fehl, i’s me again. I told you in my earlier post na decided ako sa’s bacause sabi ng agent from BDO na it is better than UITF….but now i am having a second thought after i saw your table that shows na UITF has a higher interest rate. I am planning to invest 100k and since i am only a beginner. I am just wondering why did the agent told me mas better ang VUL..any insights? I hope you won’t get tired with my questions. thanks again.

    • Hi. It maybe because of your assessment. Maybe they found out you still don’t have insurance and you are not so aggressive or you prefer security the most.

      • Ms. Fehl, what do you mean by insurance? Nag-try din kasi ung kapatid ko mag-open ng UITF sa BDO, sabi nya parang insurance daw ung inofer sa kanya. Paano ko i-explain sa agent ng BDO na mas interested ako sa UITF? salamat po sa sagot 🙂

  37. hi ms fehl,

    naka open napo ako ng account na bdo eip-equity fund. salamat po sa tulong nyo. plan ko po kasi na gawing 10k ang e invest ko every month, eto po ang question ko: ang 10k po ay 37% ng sahod ko, nakakapag set aside ako ng ganyang halaga kasi po libre ako ng bahay at sasakyan, wise pod ba na e invest ang ganyang halaga? wala na po akung ibang savings, kumbaga, savings ko na rin po yan. nabasa ko po kasi na dapat at most 5% lang ng sahud mo ang pde e invest sa mga risky investment like equity fund ng bdo.

    thanks a lot..

    • I always advice open more than 1 investment to minimize risks. Since 10K is your only savings as you mentioned, why not open 2 investments like UITF in Equity and Mutual Fund in Equity since like mo equity funds

  38. Hi Ms. Fehl,

    ask ko lang po about PFIF..
    for example, nakabuo ako ng 10,000 then its market value for is 11,000.

    what if iredeem ko yun after 2years? 11000 pa din po ba ang makukuha ko or magbabago pa din yun depende sa NAVPU?

    Thanks and more powers! 🙂

  39. hi, Fehl

    Thanks for the article.

    Just a question. Sa UITF Equity fund mga what is the “average or estimation” ng percentage ng return or profit mo per month? based on your experience with equity funds?

    Thank you God bless!

    • They are really different. Sometimes 1500, sometime 2000 or less per 10K placement. The only thing I’m sure is the early placements always gain so much.

  40. tagal ko ng binasa to pero magulo pa isip ko last few months at eto nanaman ako, natisod sa topic na to. now i know how this works. ms. fehl, no offense but i was actually looking at the gain for 3 months, not knowing that there were earlier placement for larger amount of money.

    i’ll try to explain if tama pagkakaintindi ko.

    left most column is the amount you placed. after it, was the no. of units your money can buy. third column from the left is the amount you placed monthly + the gains. last column or the right most column is 1st column minus 3rd column.

    upon reading comments and what not, kikita ka lang pala if ang kita ng funds will go up. for example, there’s a possibility that you can earn almost 10% sa 10k(if i base this to the chart above or YOUR own monthly placement) monthly placement. i was with an impression na ung 2k mo for 3 months will let you earn 4.8k, mali pala.

    the months i was thinking was such a waste pero now i’m a bit more enlightened.

    eto lang question ko, magkano ang kelangan pondo para makapag simula ?
    alam ko para makapag-open ka ng account, account holder must have at least 10k db ?
    then from there on, you need to place your money na ?
    mejo pang spoon-feed na ung tanong ko pero sana masagot.

    i’ll be looking on this topic from time to time para lalo ako ma-enlighten.

    • Hi Jheni! Yes, you’re correct with the analysis of the table. My placement was 2K/month since that was my first ever UITF investment. Was only trying and testing back then. I didn’t change or withdraw my funds here yet so every month I place 2K still. I’m so impressed with BDO Equity Fund and I want to continue this investment to 10 years. This is only 1 of my investments, the others are directly on PSE and on Mutual Funds. I say invest now coz the early you invest, the more money you will earn. That’s the biggest lesson I learned about investing. TIME IS MONEY.

      Gains differ every day coz they are based on NAVPU.

      • yeah. and when i was on my way to work, i realized that every unit, sayo un, parang stock !
        so the more you deposit, the higher number of units you acquire, the bigger it gains.

        say i have 5k monthly placement ( like consistent nang ganun ), let say 1st month will gain 500php, then 2nd month 1k ( if tama ang comprehension ko ) and so on. if steady na 10% ang gains, you’ll end up having a total of 60k of deposited money and 27.5k of earnings all in a year, what more if you’ll have purchased more units ( correct me if i’m wrong, and please para ndi ako masyadong mag-speculate ). tsk, now ko lang naisip.

        question lang po, mejo out of topic to, same ba to sa online brokerage stock investment ?

        • Yes, you are correct with your conclusion. Regarding your next question, UITF is different from direct stock trading that uses broker. I think I will make a detailed post about the differences here soon 🙂

          • sure deal..

            last na po to ate.

            diba monthly ka mag-place/deposit ng pera for ur eip plan. ung mga nauna mong nai-place tutubo din un over time tama ba ?

            off topic, is it better if sa col financial ako kumuha ng eip plan ? what/how much will be the gains if sa bppi ( from another thread ) ako maginvest?

            last na talaga to ( sorry makulet kc naninigurado ) tuwing kelan mo maki2ta ung gains sa nai-place/deposit mong money sa eip account mo ? will it be monthly, quarterly, bi-annually, or annual ?

          • Yes, every time you have placement, they will perform na so you’ll either gain or lose. Note that you also have the option to invest 2x a month. It’s up to you.

            It’s better to have both: COL and UITF kasi sa COL, pure stocks while UITF, equities and some other money instruments.

            With your last question, you will see them every time you make placements

          • ms fehl,

            good day po how po ako maka avail ng uitf at what po ang dapat sa kin gusto ko po ung monthly naghuhulog at the same time nakaearn din po. how much po me dapat mag start at how ofw po kc ako.

            ty po

  41. Hi Ms. Fehl,

    Thank you for sharing your knowledge to us beginners. You really inspire many people to enter the world of investment. I planning to open also this coming january like 5,000 a month. I’m thinking i will open 3 different accounts, 1 year after the other. So that the next 3 years I can expect a redemption every year. Please advise if this is a good idea. Should I make it all in one bank like BDO, or better if 3 different banks to lessen the risks?

    • I always believe in diversification so yes, it’s better to invest on different companies. The top performing UITFs (Equity Fund) in the recent semester are Security Bank, BDO, and PNB.

  42. Hi Fehl,

    Thanks for sharing your insights, I learned a lot! Ang dami ko ng nabasa na articles mo. 🙂
    First timer ako sa investing, gusto ko sana malaman kung pwede ka ba mag withdraw ng earnings mo sa BDO EIP? Like after a year, yun na invest mo na 60,000 eh nag gain ng let’s say 6,000, pwede bang i-cash out yun 6,000? I don’t know if nabanggit yan sa article mo at hindi ko lang naintindihan. Thanks!

  43. Hi Ms. Fehl! My EIP contribution will start this 15th of October in the amount of P2,000 so by February next year pa ang first COP. Tanong ko lang po kung incase gusto ko gawing P5,000 ang contribution per month starting December 2014 pwede kaya yun? Nasubukan mo na ba ang ganun na scenario?

    • If you want to change your monthly budget for EIP, update your EIP account by going personally at the BDO branch. I did not yet experience that but I know in the form I filled up, there was an option there in case you want to update.

  44. hello ms. fehl…
    interesado talaga ako sa mga stocks…confused lang po ako.. kung naka pag open na ako ng uitf for instance 5k ang napili ko….every month ba mag bigay ako ng 5k…? need help !!! tagal ko ng gustong mag invest

    • If you want to invest involving stocks via UITF, you must choose Equity Fund. 5K monthly is good. But 5K single investment is not as it wont give you much earnings. If you will open in BDO, choose EIP UITF Equity Fund

  45. Hello po Ms. Fhel, napaka informative po ng blog nyo esp. sa mga tulad nmin n newbie sa investing. Ask ko lng po kung pano ba ang procedure s mga tulad nmin n OFW na currently ay out of the country? Dapat po ba personal appearance sa bank pag nag apply ng UITF? May BDO peso savings account po ako. Thank you po in advance sa reply.. God bless

    • Yes, at present personal appearance ang required for BDO investments. You can open PNB UITF for now if you live outside the Philippines. Just browse our UITF posts to learn how

      • Thank you po Ms. Fhel, nag inquire po aq sa BDO through email at sumagot naman po cla, ang instruction sa akin ay i-inform lng sila kung saan branch yung account ko para sila makipag-ugnayan regarding sa records ko. Balak ko sana i-try yung Peso Balanced Fund with 5,000k monthly investment, ok po ba ito in the long run, let’s say 5 yrs above? Pano po ba ang sistema ng BDO EIP? Magkano ba ang dapat na laman ng account mo pra makapagstart ka ng investing?

        • Balanced Fund is for conservative individual. It’s not so risky although it might not give higher earnings compared to Equity Fund. Long term 5 years is very good but personally I would choose Equity. It’s up to you. In BDO EIP, you need to have funds available because you will be placing funds every month in your UITF EIP. Read the article above

          • Thanks po ng marami Ms. Fhel, ang dami ko po natutunan sa mga blog nyo gaya din ng blogs nila Sir Burn Gutierrez at Sir Fitz Villafuerte nakaka inspire mag invest. Sana pag naapprove yung application ko sa BDO, try ko po yung Equity Fund, mukhang mas OK nga po cya at sana maging successful.. 🙂

  46. Hi Fehl,

    Quick question. Why is it I’m not seeing a breakdown of my monthly placement like with your screenshot. i only get a summed up value only? Help please.

  47. Hi mam! I enrolled UITF Equity Fund with 20k. Got my COA already. Ask ko sana if I can still buy stocks with my current account or panibagong account nanaman. Naconfused kasi ako sa teller. 1 time payment lang daw ang UITF. I cannot add sabi nya. If I wana buy again new account nanaman daw. Mejo confused ako… hehe. Meaning sa 20k before NAVPU is 442 that time mataas ko sya nabili (my bad) 445units lang nabili ko. So stock na sya doon kasi di na pwede dagdagan? Will wait nalang na mag appreciate ang navpu para kumita ako ganun po b?? Thanks.. little confused sa teller…

    • You must have opened Regular UITF. If you want to buy more units monthly or regularly, choose EIP (Easy Investment Plan) when you open UITF

  48. Hi Ms Fehl! Napuntahan ko na last friday sa BDO. Sabi ng staff dun na late yung enrollment ko kasi matagal daw na enroll nung incharge personnel at na sa 12th of september na nya na enroll. Ayun tuloy di umaabot sa 15th. Next month pa magsisimula. Sayang ano? hehehe….

  49. Good day, ms fehl, your blog is very informative sa tulad kong newbie, para akong nagising sa matagal na pagkakatulog i usually save my hard earned money only sa savings or time deposit now i want to try a riskier one and plan to open an account in bdo equity fund, is it possible to start initially with 100k and 5k every month? I need your advise coz im just confused if i need to time or wait when the navpu is down before buying with my 100k to have more units acquired and succeedingly 5k every month or make smaller amount say 10k initially and 10k monthly before change it to 5k monthly placement already have an atm saving account for my settlement account, thank you very much and more power to you ang philpad

    • Hi Sonia. Thank you for the great comment 🙂 Investing 100K and 5K monthly for a long term is not very risky if you ask me. If you maintain them 5 years or so, they will surely grow. I remember when I started to invest in BDO Equity Fund, one unit was only around 390 and it’s now around 435. Since I was only a beginner with financial investments, I started with equity fund thru EIP than one-time investing. Then I added more investment thru real-time trading in the stock market. I’m happy with my money now at the same time happy learning more about financial instruments.

      What I can suggest is, start from 1 investment then add more and diversify more because while you’re having each investment, you’re also being able to learn more opportunities especially if you are working with great and stable career. If you’re planning for 100K then 5K every month, I recommend Sun Life Prosperity Fund’s Philippine Equity Fund because it’s what I choose for 100K and up money. Of course, that is only my personal choice since I’m not only investing once, I like diversifying… You can also opt for BDO Equity Fund instead which has been doing really well too.

  50. Hi Ms. Fehl! Nag fill up na ako ng UITF sa BDO noong first week pa ng September. Nilagay ko na 2,000 at every 15th of the month. Pero napansin ko ngayon lang pag tingin ko sa passbook ko after mag deposit ng check ay walang kaltas na 2,000. Di ko naman agad naitanong kasi nagmamadali ako kanina. Ganun ba talaga yun? Di ba sya mag appear agad sa passbook?

  51. Hi Felh, regarding don sa second image na naka insert sa post mo sa taas, where nung July 15, 2013 nag invest ka ng 11k. Then nung January 14, 2014 ay 11k ulit…. pwede ba na optional lang ang pag a add ng “capital”? Okay lang ba na 11k lang ang ininvest mo? Tutubo na ba yon like in 5 years? i would appreciate your reply/thought. Thanks in advance.

    • It’s up to you how much you want to place monthly or every 10th, 15th etc. yes, your funds will accumulate money in few years, what more in 5 years or longer 🙂

  52. Hi mam! I was really amazed on your blogs. Saving money in small amount would really bear a fortune. Thank you for sharing ideas that would inspire young/adult dreamers. Anyway wana ask po mam if its okay to enroll EIP and UITF at the same time as long as i can maintain my account where they will deduct my funds? How much would be the minimum for both? Iam an OFW po but im here in Pinas po for vacation. Also if I started from small investment in UITF/EIP can I add more cost even if im in abroad? Or I need to go any branch for update? Thank you so much mam.

    • Hi Gerlyn! Thank you. Yes, you can open a regular UITF account and EIP account. What is important is you have enough funds. Since you’re now in the Philippines, take time to open your UITF before you go back abroad. The minimum funds required depend upon the type of UITF you choose. If you want to add more funds in your UITF, you can update your account by going to the BDO branch where you opened it. Currently, BDO has no online feature for that yet.

  53. Hi mam. Good day im ofw and im only 20 yrs old. Im planning to exit next year. Gusto ko lang po malaman if meron po ba nung parang one time na hulog lang then mag iintay nalang ako ng maturity niya para ma withdraw/claim ko na. Parang time deposit po. How much po madalas? Thanks

  54. hi ms. fel

    im an OFW newly hired, just wanted to ask if i wanted to invest in BDO investment fund is it possible to directly pay monthly through remitance in my savings account in BDO? thanks alot.

  55. HI ms. Fehl! Magandang araw sa iyo! Na-enroll ko na pla misis ko sa PNB onlinre UITF isang dream builder ITBF at AIP na Global Peso MMF. Ask ko lang paano mag-add ng fund sa Dream Builder? (nag-initial deposit ako 2k lang last june 18,,hehehe)..

      • Hello Ms. Fehl! Salamat sa reply.. Nagkamali pala ako about sa UITF ng PNB akala ko tulad sa BDO na pwede mag cost averaging kaya niliitan ko lang deposit. Anyway its a learning experience, hayaan ko na lang din siguro yung small amount.

        • PNB also has UITF product like BDO EIP. It’s called PNB Auto Investment Plan (AIP). They use same averaging method like BDO EIP

  56. Ms. Fehl,
    Good day. Just wanna ask if the savings account is still subject for maintaining balance even if it is enrolled in EIP? Because they will continue to debit as long as there’s money in the account right? Thanks.

    • Yes it must have ENOUGH money thus it must maintain ENOUGH funds coz it is where your UITF EIP account will get funds from every month or every date you signed up for. If it doesn’t have enough account, you would have a problem, and you must fix it. It is the responsibility of the account holder to maintain a good financial standing.

      • “If you have BDO Online Banking, you don’t need to get your COP personally since you can view them in your online account. You can print them out too.” -just wanna ask how to view it on online banking? thanks.

      • Hello Ma’am Fehl,

        Kaya din po ba nagkakaroon ng mga service charges? I just noticed that I was debited 300 pesos last month and I think 218 pesos the other month. Baka kc I only deposited 1500 pesos twice a month ( un kc amount na set ko po 3k monthly) and baka d umabot sa average daily or monthly balance nila. I asked one of the tellers sa BDO kung ano ung average balances in layman’s terms and if un ba ung reason sa mga charges but she could not explain it to me. Tinanong po niya ung katabi niya na teller, pero nag alinlangan ding sumagot.

        Will you enlighten me on this?

        Thank you po ng madami.


        • Hi. Some bank accounts require monthly maintaining balance. If your account for example requires 10K monthly, you will be charged a fee (in your case 300) if your account was below 10K after the 30th cycle. That is why you must meet your account’s maintaining balance always.

  57. Hi ms Fehl,

    thank you very much for this informative blog, I am just starting to learn about investing and I think I will try this bdo uitf equity fund since I already have a savings account in bdo..

    for this type of investment how much should l deposit? is it 10k then a monthly placement of 2000 is needed. and for the duration I can choose from 1 to 5 years is this correct Ms fehl?

    THANKS Again and more power to you.

    • Hi there! Thanks for the message. BDO Equity Fund is for aggressive types of investors. If you are not afraid of risks, this will be suited for you. How much you can deposit depends on you coz you are the one who knows your financial status and capacity. If you choose to maintain it up to 5 years, make sure you have the available funds where BDO will get your funds every month (ie: ATM or savings account)

      • hello po miss fhel, may nbasa po ako sa previous comment po, saying that, for every 10k po ay bibigyan po ung investor ng COP..? example po. initial po 10k, tapox placement is 5k, so, every 2 mos po, may 10k ka, every 2 mos din po ba bibigyan ng COP.? tnx po, ofw po kasi aq, bka ganyan po kasi pgkakaintindi ko po sa comment mo po.

        • Yes, since I’m using Equity Fund for my EIP UITF account and the minimum requirement for that UITF is 10K to be considered as a regular UITF, I’m receiving COP every time I reached 10K placement. So if you are placing 5K every month, in 2 months you will receive your COP.Then another more every 2 months if you are under the BDO EIP

          • problema q po.. once a year po ako umuuwi ng pinas.. pano po yun? mkukuha ko rin po ba mga cop pagbalik ko po? salamat po miss fhel…

          • If you have BDO Online Banking, you don’t need to get your COP personally since you can view them in your online account. You can print them out too.

          • ahh, ok po miss fhel, thank you po.. ah, miss fhel, nbasa q po sa bdo online ung about sa eip… kahit po pla nareach ko ung 10k pero yung outcome ng market value is below 10k hindi po maiissuehan ng cop… check mo po sa link n to po. tas (select here to see how the EIP WORKS) meron po silang ibinigay na example… at nagwowonder po ako kung bakit po below 10k.. ibig po bang sabihin, sa 5 mos na paghulog po. nalugi po ba ung investor?

          • Hi John. Yes, they will issue you COP every time you reach the required amount in the UITF you have chosen. In the example, since I used Equity Fund, I get COP every time my funds reached 10K. Since I invest 2K every month, I also get gains or loss depending on the average cost or NAVPU of the day. I put the newest picture of my fund there in the article above now and as you can see, I accumulate more money as my investment grows.

  58. Would you know what the difference is between BDO UITF Equity Fund differ from SunLife Equity Fund and which one is okay for me.

      • Hello there ma’am my wife and i just invested on sunlife equity and bdo equity uitf is it the same thing? Is it also wise to spend a one time big amount of money for the bdo uitf ? Lets say 100k each or just do a monthly automtic deduction? im an ofw btw and your blog is very helpful for us. Each of us opened an account for sunlife equity and bdo equity for maximum investment.

        • Sun Life Equity and BDO Equity are different investments but they are both involved with equity funds. They are excellent choice since they give higher earnings. I personally prefer them both aside from direct stock investments. To answer your question about which is better between one-time investing vs monthly investing, please read our post about “Lump Sum Investing vs Peso-Cost Averaging.” I provided some samples there and comparison between the two

  59. Hi Fel,
    How are you doing today? 

    I just gladly discovered your blogs and I’m still kind of overwhelmed with the details, my apologies.

    What i realized so far is that, I think I can start investing via BDO UITF Equity Fund, with its minimum required amount or perhaps a bit more but I’m not confident if
    i can sustain a regular/monthly placement since I don’t have a regular income.

    My questions are,
    1. I am still qualified for such type of investment( BDO UITF Equity Fund)?
    2. And does it mean I’m not capable of Easy Investment Plan?

    Please advise a poor innocent newbie  and thank you in advance.

    • Hi Neal. I’m good. I love rainy days. 🙂 How are you?

      I’m glad you read my blogs about Investments here. There is no need to apologize for discovering them just now. You got all the time in the world to read more 🙂

      Easy Investment Plan like that of BDO is created actually for those who wish to invest set aside amount of money periodically (monthly for example) instead of Lump Sum. If you worry you don’t have a regular income, you can still invest EIP and just stop and redeem your funds when you wish or when you don’t have regular funds coming in. If you choose Equity Fund, I assume you are an aggressive type of investor? EF are the riskiest types but they have the highest earning potential 🙂

      • Hi miss fehl. Good job to your desire to help. It means a lot to me. Continue giving feedbacks and updates. As I can see, you’re an optimistic type one. Very contagious that made me read ALL your personal opinions, views and specially your comments to each questions. Seriously.. Even in my dreams it haunts me. As I woke up, I thought of battling my fears and doubts about investing to UITF and MF by being INFORMED AND EDUCATED by sum1 who’s into it too. Can u b my best friend? Hahaha… THANK YOU! It has saved me time and effort by just simply reading your blog.
        Just one doubt, if for instance, I have chosen 1,000/every 30th of the month for 3 yrs = 36, 000. The time I’m going to redeem it, will my invested amount (36,000) be given back to me as is? Aside from my capital gains earned thru the years.. Of course.
        And could you elaborate further the mechanics about this NAVPU thing? In relation to my monthly debits? (1,000/mo)
        I May sound silly asking it, but better to ask n be answered than kept mum and do nothing, right? Hehehe.. THANK YOU! 🙂 God bless you!

        • Hi Bibe! Thank you for the kind words here. Well I hope it haunts you in a good way 🙂 hehehe Of course I can be your friend or best friend even. You know how to reach me. I understand the worry with investing. I was like that years ago, too until I met people who told me about these stuff. Just want to share them here to help more people especially Filipinos. I know how hard it is to work everyday when there are other ways to earn more money.

          Yes, if you invest monthly like BDO EIP for long term (3 years or so), you would more likely to gain more profit. Yes, you can redeem all that amount (example the 36K) + all your gains. They base gains/loss through NAVPU (Net Asset Value Per Unit). Coz when we invest in UITF, we buy units of investment. They are already expressed on NET amount meaning all taxes and fees are already been deducted. In relation to your monthly placements (eg: 1k/month), you buy units using your 1k and they’re based on the NAVPU. BTW NAVPU changes everyday depending on the performance of the fund. If you reached the requirement for the UITF you have chosen (Eg: 10K for Equity Fund), it will roll over and be reported as regular UITF (see the sample data taken from my EIP in BDO above)

  60. thank you so much ms fehl. I’m 24 and working on a ship. i know now where to put my hard earned money. I dont want to grow old working away from my family. Thank you again 🙂

    • It’s a pleasure to share helpful finance stuff here. I personally use them and I’m always glad to spread the ways and tips so people can have financial independence and enjoy more about life. Mutual Funds are very helpful too. You must also check them out 🙂

  61. Thanks Ms. Fehl! I asked my wife to open a PNB account for her since I am still here in abroad and I’ll just manage her account thru on-line. =)

      • yes ms. Fehl! I am excited now, she already opened an account. I’m in the process now of registering her account online. But this One time password got me little worried coz i registered her number instead of mine here in abroad so every time i will open her online account I have to ask her every time but anyway I’m hopeful there is option to change number.. till then. have a great day!. pls. continue to be a blessing! God bless.

        • Wow I’m happy for both of you. Yes the OTP is very important because it assures a secured log in. I wonder if the OTP will be sent in a phone abroad though. Please tell me if it works abroad 🙂 God bless!

    • Why don’t you make one and start earning money 🙂 Trust me, you wont regret it if you will put the fund in a long term goal

  62. Hello ms. Marifel, may I ask which is better to invest? In stock or in uitf. I have uitf in bdo and bpi. Both in equity, I save this fund for my 7 years old son college education or perhaps for my retirement. By the way, I learned so much from your topics & thank you so much for that.

    • Equity Funds are majorly invested in stocks so it’s kinda the same with investing directly in the Stock Market. The only difference is, when trading, you will use your own knowledge and strategies as to what and when to buy and sell stocks. You can also earn dividends. With UITF, you don’t need your own expertise since the fund managers are already experts. They have their own strategies. You cannot also earn dividends with UITF. Now regarding your question which is better? I guess it depends upon the investor’s situation. If you want full control of your stocks, use direct trading but if you want to hire experts to manage your funds, use UITF or Mutual Funds invested in stocks.

      • Thank you so much Ms. Fehl , I am more enlightened now. God bless you & more power. Pls do continue making this kind of topics and reviews. Its very informative and useful especially for newbies like us.

        • My pleasure 🙂 Readers like you inspire me to share more posts about investing so I will continue to post more. Bless ya!

          • Hello ms. Fehl! I’m an ofw and would like to invest thru online broker (Philstocks) with their Easy investment plan (long term ≈5yrs) til I read this post. Just want to ask which EIP is better for me? the BDO UITF or my initial plan? I also have BDO account. Thanks in advance. God bless you.

          • If you are not yet very familiar with the stock market and trading directly using opnline broker, I think it will be better if you just opt for Mutual Funds or UITFs in Equity Funds since they are invested in stocks too. Since you are an OFW, you cannot open BDO UITF yet since online enrollment is not yet allowed. You can choose PNB UITF online opening instead. You must have PNB account and online banking. We have a post about how to do that. Go to the following link:


    • BDO has no UITF Opening online yet. Let’s wait for next year maybe they will launch this feature. You can open UITF online using PNB instead. Read our other post about PNB.


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