BDO Easy Investment Plan Review and UITF Benefits

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

1. I am an OFW. can i open online? and where to open? Thanks,

   • Try PNB Online UITF if you wnat to open UITF online

2. 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

3. 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! 🙂

   • Based on the NAVPU of the day

4. Hi, Fehl

   Oh, Wow that’s really big thanks po sa info i guess i know where to put my money thanks ulit 😉

5. 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.

6. 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.

   • also pahabol.
     possible ba na 1 year plan lang ang kunin ko then renew yearly ?

   • 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

7. Thank you Ms. Fehl, more power.

8. 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.

9. 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!

   • Hi Kay! Thank you for visiting. If you want to withdraw your earnings every month or regular from your UITF invetsment, select BDO ERP (Easy Redemption Plan) instead of EIP

     • Thanks Fehl! I’m currently reading about ERP now. 🙂

10. 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.

11. 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

12. 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.. 🙂

          • You’re welcome Vanessa 🙂 Congrats in advance 🙂

13. 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.

    • Hi Carl! Is your UITF under EIP as well? When did you open it and what’s the date of your first COP?

      • Yes its EIP opened late July, had my first placement 20th August

        • It will start when you received your first COP then you’ll see your account online and the placements that follow

          • Thanks Ms Fehl

14. 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

15. 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….

    • At least your UITF account was enrolled already. 🙂

16. 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.

17. 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?

    • maybe you opened so close to the 15th?

18. 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 🙂

19. 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.

20. 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

21. Thanks sa Review anyway just wondering what is UITF. Then i found your article. Keep up the good work!

    • My pleasure Yce!

22. 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.

    • Yup, you put in the application form the account number and account name where you want the funds to be debited

23. 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)..
    Salamat!

    • Just select the “Make New/Additional UITF Participation” under UITF Investments

      • 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

24. 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.

        • Please check out our “How to Monitor, Check BDO UITF Account Online” post

25. Thanks Ms. Fehl that clarifies it. 🙂

26. 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.

          • ung 1st 5mos nya.. nag earn ng 1,239 … pero ung sumunod na 5mos lugi ng 130.

          • There is a change every day because of NAVPU. If you use emotions in investing, you will not be successful.

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

    • BDO Equity Fund is UITF while Sun Life Equity Fund is a Mutual Fund. See this page for my complete comparison of Mutual Fund and UITF to know more: https://philpad.com/mutual-funds-vs-uitfs-similarities-and-differences-advantages-and-disadvantages/

      • 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

28. 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)

29. 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 🙂

30. 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. =)

    • That is cool coz you can monitor your trust funds anytime even if you’re outside the Philippines

      • 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!

31. learned alot. now im planning to make one. thank you.. Informative site. 🙂

    • 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

32. 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:

            https://philpad.com/how-to-open-uitf-account-online-pnb/

33. hi miss fehl!

    is it possible to open a uitf in BDO through online????.

    thanks for the reply!

    • 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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