Best UITF in the Philippines in 2020

The following are the best UITF in the Philippines in 2020. The data includes complete list of best performing UITF for equity funds, balanced funds, bond funds and money market funds.

If you have Unit Investment Trust Funds (UITFs), you must be updated with the periodic ranking of UITF to know how your investments performed in the last months, quarter, or period compared to other UITF.

What is UITF?

UITF stands for Unit Investment Trust Fund. UITFs are pooled investments of different funds, companies, corporations, invested and diversified to other investments, stocks, bonds, securities, money market and other funds managed by fund experts and fund professionals.

UITFs are regulated by the BSP (Bangko Sentral ng Pilipinas). That means, they are often provided by banks in the Philippines.

Are UITFs the same as Mutual Funds? To answer that, please read, “Mutual Funds vs UITFs – Similarities and Differences: Advantages and Disadvantages.”

best uitf philippines 2020

Why should you invest in UITF?

This question is always asked so many times on the threads so it will be great if I share the answers in this post.

If you have extra bulges of money and you want to invest them so that they can earn some cash (higher than Time Deposits) and you are aware of the risks involved, you phone your banker and ask about any investment product that could give you that, they will surely give UITF as one of the options.

UITFs, unlike Mutual Funds, are easy to open nowadays. In the recent months, PNB started the UITF Online account opening in the Trust banking empire. We can now open these investments online and enjoy paperless transactions.

As long as you have an existing bank account, you can open or enroll your UITF and redeem or withdraw your funds from it. Banks like PNB, BDO, BPI, Metrobank and Security Bank offer UITF online.

How do you choose the UITF that is right for you?

It’s simply by knowing your investment goal and your risk appetite.

best uitf in the Philippines 2020

Best UITF in the Philippines in 2020

Top performing UITF in the Philippines. Data will be updated every quarter. Data is based on YOY (in the last 12 months) ROI.

The performance of financial market is not that impressive in the last twelve months that’s why you will see some poor performances in the following data. Global market and Fed hikes contributed in the decline of investments. On the other hand, financial experts and investors are still confident about the future growth of the economy which will eventually lift up other businesses and investments in the country.

Top 15 Best UITF Equity Funds in 2020:

RankProviderUITFROI
1BPI Asset Management and Trust Corp.BPI Catholic Values Global Equity Feeder Fund18.6763%
2BPI Asset Management and Trust Corp.BPI Philippine Consumer Equity Index Fund4.7493%
3BDO Unibank, Inc.BDO ESG Equity Fund3.1267%
4AB CapitalAB Capital Equity Fund3.0122%
5BDO Unibank, Inc.BDO Institutional Equity Fund2.6927%
6BPI Asset Management and Trust Corp.BPI Philippine Equity Index Fund2.6032%
7Asia United BankEquity Investment Trust Fund2.6013%
8Metropolitan Bank and Trust CompanyMetro Philippine Equity Index Tracker Fund2.4886%
9United Coconut Planters BankUCPB Philippine Index Equity Fund2.4691%
10UnionBankUnionBank Philippine Equity Index Portfolio2.3987%
11Philippine National BankPNB Phil-Index Tracker Fund2.3644%
12BDO Unibank, Inc.BDO Equity Fund2.3074%
13Security Bank Corp.SB Philippine Equity Index Fund2.2606%
14Metropolitan Bank and Trust CompanyMetro Aspire Equity Feeder Fund2.2584%
15BPI Asset Management and Trust Corp.BPI Philippine High Dividend Equity Fund2.2412%

Top 15 Best UITF Balanced Funds in 2020:

RankProviderUITFROI
1BPI Asset Management and Trust Corp.Odyssey Diversified Capital Fund11.4430%
2BPI Asset Management and Trust Corp.Odyssey Diversified Balanced Fund8.8419%
3UnionBankUnionBank Peso Balanced Portfolio8.4022%
4BPI Asset Management and Trust Corp.BPI Bayanihan Balanced Fund7.7996%
5Security Bank Corp.SB Peso Asset Variety Fund7.2129%
6China Banking Corp.China Bank Balanced Fund6.1114%
7Metropolitan Bank and Trust CompanyMetro Balanced Fund5.2207%
8RCBCRizal Balanced Fund5.1738%
9Metropolitan Bank and Trust CompanyMetro Aspire Balanced Feeder Fund5.0253%
10Landbank of the PhilippinesLandbank Growth Fund4.8657%
11BDO Unibank, Inc.BDO Peso Balanced Fund4.8129%
12AB CapitalAB Capital Balanced Fund4.7895%
13United Coconut Planters BankUCPB Balanced Fund3.8997%
14BPI Asset Management and Trust Corp.BPI Balanced Fund1.7885%
15Philippine National BankPNB Balanced Fund1.0793%

Top 10 Best UITF Bond Funds in 2020:

RankProviderUITFROI
1UnionBankUnionBank Long Term Fixed Income Portfolio22.2309%
2UnionBankUnionBank Tax Exempt Portfolio20.7045%
3BPI Asset Management and Trust Corp.ABF Philippines Bond Index Fund18.5393%
4Security Bank Corp.SB Peso Bond Fund18.4662%
5BPI Asset Management and Trust Corp.BPI Fixed Income Portfolio Fund-of-Funds17.5371%
6China Banking Corp.China Bank Fixed Income Fund17.1097%
7BPI Asset Management and Trust Corp.Odyssey Peso Bond Fund16.6933%
8RCBCRizal Peso Bond Fund13.2098%
9ATRAM Trust Corp.ATRAM Total Return Peso Bond Fund12.2710%
10United Coconut Planters BankUCPB Peso Bond Fund11.4713%

Top 10 Best UITF Money Market Funds in 2020:

RankProviderUITF (Money Market Fund)ROI
1UnioBankUnionBank Peso Short Term Fixed Income Portfolio6.3129%
2Asia United BankPeso Money Market Fund5.8060%
3China Banking Corp.China Bank Short-term Fund5.2551%
4RCBCRizal Peso Money Market5.0315%
5BDO Unibank, Inc.BDO PERA Short Term Fund4.8166%
6BDO Unibank, Inc.BDO Short Term Fund4.4238%
7BPI Asset Management and Trust Corp.BPI Money Market Fund4.3409%
8Philippine National BankPNB Peso Fixed Income Fund4.2351%
9China Banking Corp.China Bank Money Market Fund4.2164%
10China Banking Corp.China Bank Cash Fund4.0632%

UITF, like other investments, have risks. Make sure you never put your money in one investment. It is important to diversify and to have regular income sources.

To learn more about UITFs, visit our UITF articles here.


Time is money. The earlier you invest, the more money you will make. Sharing makes blessings. The more you share this post to others, the more blessings will come your way.

Other UITF Guides:

About Fehl Dungo

Licensed Career Service Professional, trusted Fund Manager, Founder of Philpad and published author of poetry book at Barnes&Noble.

201 thoughts on “Best UITF in the Philippines in 2020”

  1. hello i currently invest 100k in 2 groups from manulife and i told to my auntie to put it on equity and bonds, since i am ofw and i will go back to redeem maybe 3 to 5 years from now. do you think manulife is a good investment company? and do you think it is better idea not to redeem in long term run…

    Reply
    • Hi, equities right now are not performing very well so do not expect big returns although you’ll get profit in 5 years. With bonds, medium term is good as well. To learn more about Manulife, head over to their latest Fund Fact sheet and Prospectus. It’s available for all clients.

      Reply
  2. Hi, ABF Philippines Bond Index of BPIAMTC keeps on going up since start of the year. Will it be wise to still subscribe at this time though interest rate (according to Bureau of Treasury) are now lower? Will does it affect the ABF Philippines Bond Index movement? Any thought. Thank u.

    Reply
  3. hello, I am recently interested in investments these days but I don’t have much money to invest. Can you suggest a good investment for me with PHP5000-10000 investment, low/conservative risk taker so I’m thinking about money market or bond investment. Mas okay ba pumasok muna ako sa UITF bago Mutual Funds? and ano best company na maisasuggest mo po for that? thanks!

    Reply
    • Hi, for the lowest risk, money market funds are available for UITF and mutual funds. You can start with UITF since mas easy ang pag open ng account sa bank na meron kang account. Cheers!

      Reply
  4. Me and my husband are both ofw here in dubai, can you suggest us which fund fits for us, i want uitf in bdo, and also for my kids for their education in the future. Do you think equity fund is good for us? Thanku

    Reply
  5. I never had any idea about investment. Reading your blog help me to wake up. I read all the question which is really good to understand about investment. I work in abroad and im planning to reire at 65, im 45 y/o. So i have 20 years more before retiring, what investment you can suggest so that i have an idea. And planning to start next year Jan 2019. Thank You for your advise.

    Reply
  6. Ang lungkot pala ng ranking ng BDO balanced fund, which actually shows. Di naman siya ganun kadrastic ang bagsak and tumatalbog lang on the same numbers but still negative parin. Sakanila lang kasi convenient ang payment because of EIP.

    Reply
  7. Hi po ms fehl, bago lang po ako sa investment and balak ko rin mag-invest sa money market. when will be the best timing to invest in money market?

    Reply
  8. Hi Ms. Fehl, I’m a policy holder of BPI-Philam Equity Index Fund2 with Build-Life Plus rider for two years.
    I don’t have much knowledge regarding UITFs and MFs . I just read blogs and reviews that’s why I decided to invest. However, upon checking the account value, its getting lower and lower everytime I check my account.
    Will it recover eventually considering our current economic condition?

    Reply
    • Index Funds were kinda slow in climbing up the charts since the start of the year. Be patient, all equities are suited for 5 years or so to appreciate in value. Cheers!

      Reply
      • Hi Ms. Fehl, I am planning to invest in a UITF. Can you give me an idea if what are the top 3 banks that has a high ROI? I want to invest as a conservative and moderate investor.

        Reply
  9. Miss Fehl, may investment na po ako, meron po ako VUL ng bpi philam, may UITF din high dividend ng bpi. maraming salamat po sa blog nyo , malaking tulong po ito sa akin, at sa kaibigan ko po. miss Fehl may tanong sana po ako, san po maganda kumuha ng balanced fund na bangko?? maraming salamat ulit sayo.

    Reply
  10. Maam fhel,

    Anong equity fund ba sa bdo at bpi ang mgnda kunin? Ung bpi value equity fund ba at bdo equity fund ba? Kc s bdo may esg quity fund, may bdo index fund. Plano ko mag open ng uitf s dlwang bank n yn eh

    Reply
  11. Hi Fehl,

    Since the market is very volatile (actually downward trend), I am actually inclined to put more money in my UITF Equities (BDO and SBC). Do you see any chance the market will reverse or will it continue the downward trend? Hoping to hear your thoughts.

    Thank you.

    Reply
  12. hello po,

    can you suggest perfect investment company po? okay po ba tong Rampver Financials?
    i need at least top 3 po. I already have sunlife sa list ko.

    Reply
  13. G’day Ms Fehl, i have several UITF (5 in high risk funds) in three separate banks since August/September, All five funds have tumble a fair bit! Your thoughts on the current financial market, taking into account the Donald Trump win…..

    Reply
    • Equities are not performing well compared to 3 years ago. Since UITF are managed, you need not worry. Instead, take these times to buy more investments to make good returns when the market recovers

      Reply
      • Ms Fehl.

        Just requesting for a suggestion, My BDO Peso Balance Fund is downed by this time, Do I have to withdraw my investment and invest it some other time, or just keep it as is and wait some time to gain momentum.

        Reply
  14. Hi po Ms. Fehl,
    I have a UITF account with Metrobank for 2 years.
    Medyo bago lang ako sa investment, di ko pa kabisado lahat.
    How will I know its status and after 2 years ano na ba magandang gawin?

    Reply
  15. Hi, Ms Fehl!

    I am one of your avid readers. Last year, I started reading about UITF and Mutual Funds. However, I stopped since I cannot comply with the requirements before (I think this was my reason).

    Ngayon po, gusto ko sana na seryosohin na at paghandaan ang future and magiging family ko. I am 26 years old, I have multiple savings account (2 Passbooks and ATMs) and I have a BPI SaveUp as well. Insurance wise, meron na SaveUp and SSS po meron na ako.

    Tanong ko po sana, I am not a risks taker, gusto ko sana maginvest na guaranteed meron ang ROI. Okay lng po sa akin ung matagal since yung passbook ko eh almost 5 years+ na.

    Freelancer po ako, and sa ngayon, okay naman po ang work ko.

    Pwede po ba kayo magsuggest ng mga products na bagay sakin?

    Thank you po and more power! 🙂

    Reply
  16. hi ms fehl!

    i am interested to invest, since i am planning to avail of a long term loan, if my desired amount is approved, i would like to invest 500k to an equity fund type of investment for a 5 year term. is it advisable? or i will just be wasting time and money.
    please enlighten me, i need your advise. thank you!!

    Reply
    • Hi, I don’t suggest using the money from a loan to invest on equity fund coz first, your loan has interest and you have incurred loss already. Second, equity funds are very risky and volatile. They need 5 years or so to appreciate in value. Make sure you invest only your own money or savings and that is only 20% of your total money.

      Reply
  17. hello. do you know how can i add money from my savings account to my investment account through bpi express online? the teller said that i just need to click “subscribe” but i don’t know how to add. thanks

    Reply
  18. Hi, sorry noob question here: What is Minimum Additional Participation? Am i required to pay this every month or just whenever i feel like it? Thanks!

    Reply
      • Hello maam Fehl, I’M and OFW and a newbie with regards to investing UITF. I started to open UITF Equity fund in BDO last april 27, 2016 amounted to 100k pesos with limited knowlege about it. but as I go reading with your blog and other UITF websites in the philippines I gained information which makes me confused which UITF if better with high ROI, since I have and extra amount and I want to save for my Kids Education and my Future retirement. My question is? is it possible to open another BDO UITF Equity funds (BDO Sustainable Dividend Fund) aside from my existing acount since this type of equity funds have a higher ROI and with cheaper Unit price. Thanks

        Reply
        • Hi Coleen. Thanks for visiting. Yes, you can open or add another UITF of your choice. Always follow your personal objective, risk appetite and goal and need not to worry as UITF are managed investments by experts 🙂

          Reply
          • Hi Fehl,

            I went to BDO bank in SM Marilao and asked about Mutual Fund but I was told that their bank no longer offer it and I doubt it. Instead the lady bank personnel offered me other investment products which I’m not interested in.

            Is there a bank term or any other magic word that I need to utter so they can say that indeed they offer Mutual Fund?

  19. Hi Ms. fehl, im thinking na iwithraw ko po ung equity fund sa BDO which i invested on 12/15/15 at 406/unit… can i sell it if i gain 10% this May and shift to PNB equity or wag po muna? maybe ill be needing the money 2yrs from now.and also i want to gain more profit.

    Reply
  20. What happen to SBC UITF performance? I’m starting to doubt how they manage our investment as other bank getting their performance pretty good after the election. any thoughts about this?

    Reply
  21. Hi Ms. Fehl, I’m already 47, meron akong 2M invested sa BDO equity fund, ok lang po ba kung mag open uli ako sa BDO equity index fund or Balanced fund na lang, Option ko rin sana yung Philequity Fund. Tnx and God bless you

    Reply
  22. Hi ms fehl, who are allowed to open the bdo institutional equity fund? I’ve seen in their site that you only need 1000 pesos to open an account. Thanks

    Reply
  23. Hi Ms Fehl,

    just want to ask for your opinion on what’s the best type in UITF. and at the same time gusto ko din isabay ang pag invest sa mutual funds,

    Im an aggressive one and i plan to have short term and long term period.

    thank you so much. your advice is highly appreciated.

    Reply
  24. Hi Ms. Fehl,

    How will the election period affect the UITF or the market? Is it because of major consumer spending? Also, is it good to buy units now or wait for a while (i.e. wait until its almost election time)? BTW, I am into SBC UITIF

    Thank you.

    Reply
      • Depends upon the type of fund. If Equity Funds, I’d say negative ROI is just temporary, you need to take 3 years or so to see high returns for your fund.

        Reply
    • If you’re into Equity Funds, I’d say don’t wait, buy monthly and continue buying until you reached your target period of 3 years or so

      Reply
      • If the ROI, YOY, YTD is now negative(-), and i put fund yesterday while today have increase the NAVPU, is this consider an increase in profit?

        Reply
        • It will benefit you if you bought shares when YTD was negative because NAVPU are lower and you’ll be eraning more in the future when NAVPU returns to normal and goes up

          Reply
          • i learn a lot, and thank you for that..

            Negative today and also tomorrow but the trend is going up… time will come it will be positive…. hehe

  25. Hi Fehl,

    Thanks for your great article, I’m planning to invest in UITF, can you please recommend the best performing bank as of this Feb?

    Thanks!

    Reply
  26. Hi Fehl!

    I would like to seek your advice on whether now (Feb 2016) would be a good time to invest on UITFs that have a direct relationship with the stock market. I am specifically referring to the PNB Enhanced Phil-Index Reference Fund. Since it is directly tied to the stock market I assume that the NAVPU of the UITF will directly reflect the stock market. Since the PSE suffered a not so good year ender last year, compared to its peak the same year, I assume that now would be a good time to buy that kind of UITF since it is low price and forecasts say that the PSE will have a good year this year.

    What would you advise?

    Thank you po! 🙂

    Reply
    • Yes, equities are lower these day so it would benefit investors in the future. Equity Funds are suitable for long term. The PSEI will eventually recover

      Reply
  27. Hi Miss Fehl,

    What would be the best way to spend PHP100K for investing?

    I recently just applied for a high-dividend equity fund with BPI, but realized that would only be for the long-term. I want to grow my money, but there are also some short-term goals that I want to achieve (e.g. get married within a year).

    Given 100k, how would you recommend this money be spent? Should I spread it out among several UITFs/mutual funds? Thank you for your help!

    Reply
    • Hi, you won’t get that much with your 100K with only a year. The longer you invest, the more you will receive. If you will plan for a year investment, the best option is Bond Funds or Fixed Income Funds but do not expect high returns for that. If you want higher returns, you need to take more risk by having Equity Fund like you mentioned and invest for 3 years or so

      Reply
  28. Hi Miss Fehl, I’ve invested in SB High Equity (understanding the risk) fund last November 2015. i know it wasn’t performing well right now but i just noticed something. i tried to compare others bank NAVPU and it seems SB NAVPU dropped so much. is it because of fund manager’s strategy that leads to a lower NAVPU? need your thoughts about this.. thanks! =)

    Reply
  29. hello po..ano po magandang uitf for students (savings from allowance)? i’m considering bpi equity value fund and bpi short term fund. What can u say po? thanks po 🙂

    Reply
  30. Hi Fhel,

    I am into Security Bank Peso Equity Fund for almost a year now. I started investing during its peak this year and obviously, it went way way down. Kindly advise if its a good decision to buy more units.

    Thank you.

    Reply
    • Yes, if you’re into equity and you know the risks and the suited terms, buying more when the market is down will benefit you someday

      Reply
  31. Hi Fehl. A little off the topic but what would be a good Dollar UITF? I have the minimum amount and don’t want to place them in savings. I have invested in BPI Equity funds already so BPI would be a no-brainer, but i just need insights since this would be a first time to invest in Dollars.

    (Sorry if you have answered this in previous comments but there are so many to backtrack!) Thanks!

    Reply
  32. Hi Fehl,

    I was just thinking…when I tried to check “BPI Philippine High Dividend Equity Fund” in Bloomberg to look at its performance via graph, I saw it also has a price of Php 119++. Does this mean we can also buy these using COL Financial? I’m not sure if my question makes sense. Sorry, I’m a newbie and trying to learn. Please enlighten me.

    Thanks!

    Reply
    • Rephrasing question if it’s unclear…
      Does this mean that apart from applying for UITF through BPI, we can also directly invest on it through stocks using COL financial?

      Reply
  33. Hi, Ms Fehl. I have UITF with PNB and BPI. PNB issues new COP for every 10k. BPI just add it to my existing COP. How does BPI calculate the ave. NAVPU. Thanks

    Reply
    • All banks offer UITFs. BDO, BPI, PNB, Metrobank are all great. Check out UITF latest performance above to have idea which UITF was performing best lately.

      Reply
  34. Hi Ms. Fel. It was many yrs. ago since I tried investing at BDO equity fund then the market crashed ,the fund manager informed me late already that i was losing some 30k in a weeks time so I panicked?asked her opinion what to do if my fund becomes zero will it still recover but couldnit give me outright answer so I pulled it out losing 30k. Can i recover the loses even if my fund run dry zero level, by not pulling out the funds?because of this i was afraid to invest my money again in yhis venture. Pls. Advise me.

    Reply
  35. hi fehl nalilito ako ano ba kaibahan nila BPI Philippine Equity Index Fund vs
    BPI EQUITY VALUE FUND mag open ako ng uitf sa bpi kc nga gusto ko ung possible high return kaso di ko alam sa kanila alin maganda, aggresive investor at long term ang plano ko for my retirement.

    at meron ka bang post na nkasulat un mga fees ng mutual funds at uitfs kasi nabasa ko sa mga comments para isa yun sa mga issue na consider ng gustong mag invest yung mga fees ng mutual funds at uitfs ng mga bangko.

    slamat ulit at happy sunday 🙂

    Reply
  36. hi fehl, salamat sa blog mo at nakakuha ako ng idea, now i decided to start investing,but my queastion is, im outside the philippines, at plan ko mgopen sa bdo uitf equity fund?
    ok lng ba na one type of investmestment lng muna…
    ppaano ko sya imonitor.thanks…

    Reply
    • Hi. Yes, as a beginner, start at one fund. After few months, you will experience some things and you will learn more so you can open another investments that meet your risk tolerance and objective. BDO UITF are easy to monitor. If you have BDO online banking already, you can view your UITF on your dashboard and see your UITF performance and earnings. We have an article here about that too.

      Reply
  37. Ever since I joined SECB’s UITF last January, the value of my money continues to dip. I am new to UITF and I fully understand the risk, but I can’t help myself to be worried. Is it advisable to add more money to SECB since it’s NAVPU is really low or should I hold my money for a while?

    Reply
  38. Hi Ms.Fehl,

    how long is a “long term plan”? i mean, i am planning of keeping my BDO Equity UITF for atleast 20 years or i have to withdraw it every 5 years then re-invest again? what is the advisable strategy for long term investment with a 20-year horizon?

    Thanks a lot.
    Carlo

    Reply
    • Long term plan is up to the investor (you). It maybe 5 years, 10 years or more. It’s up to you really. The more the better 🙂

      Reply
  39. I have just completed my five year time deposit, so I can now invest more in investment funds.

    What is the biggest and quickest producing fund in the Bpi roster of funds, I am disposed to assume risks.

    What do you think of the BPI Philippine High Dividend Equity Fund; from its beginning and now for over a year’s history, it seems to have outperformed all the other Bpi and Alfm funds maintained by Bpi asset management.

    Reply
  40. Hi Ms. Fehl, Thanks for the blogs; these are very educational, helpful and has motivated me to start investing. I’ve been following these blogs for nearly 2 years now but this is the first time for me to post a comment.
    Well, I’ve placed 2 UITF subcriptions in BPI last year. One for a Balanced Fund and another for a Long-Term Bond Fund. At the time, my investment risk appetite was deemed moderately conservative. This has since changed and I’m planning on investing on equity UITFs. Do you think it would be good to stick and subscribe from BPI for these or would it be better to go to other bank for diversification? I have a savings account at BDO. Thanks

    Reply
  41. advisable po ba to invest ngayon na down ang market or should i wait? wala pa po ako investments but thingking to have one but worried po ako dahil sa lagay ng market ngayon, what would you advice. thanks and more power

    Reply
  42. Ms.fhel can you explain naman po about po dun sa bagong policy ung 15% single exposure limit policy sa bdo equity fund po na ipapatupad sa july 16. Naguguluhan po kasi ako kung paano ito makakaapekto sa ininvest ko.

    Reply
    • Me too, I have an existing bdo equity fund and I’m a bit confused about it, so far 5k is debited monthly on my account and when I checked my July account, 10k was deducted straight away. It’s really annoying and frustrated since I only opted 5k a month how come they took 10k without giving me info personally about any changes?

      Reply
  43. hello Ms Fhel.. reading ur artcles helped me a lot about investing. Thanks to u talaga! Anyway, ask ko lang p sana, i have 3 COP at BDo. One is a 30k one time investment sa UITF Equity, ang dalawa po ay sa EIP ko po na tig 2K every month. I get a COP everytime aabot ng 10k ang hulog ko sa EIP. Now from 2k, ginawa ko syang tig 5k, so evry after 2 months another COP nanaman. what do u think should i do po? kasi sa nabasa ko dito sa mga comments, merong charges evry COP po? do u think e pull out ko lahat pag aabot ng 100k and invest ko one time? need ur guidance po talaga… thanks!

    Reply
    • As far as I know there is no charge for every COP. It’s still up to you what you prefer – one time placement or periodic placement (EIP). EIP works for me so I prefer it.

      Reply
  44. Gud day ms fhel

    If i invest a million in bdo equity fund for how long it will be doubled? How many years kaya para ma double ang money
    . Estimate lang po ng katulad mong may experience na

    Reply
  45. Don’t worry guys if the market now is down… GANUN TALAGA and BUSINESS. Hindi naman pwede na puro UP NG UP na lang….. This investment was formulated with a purpose… This will test as well your risk appetite and on how you respond to it. Don’t panic or else your fund will get killed. relax lang, AFTER 3 YEARS or so… tingnan lang natin kong di ka mag harvest ng reward. Kaya patience.. okay.. kapag bumama ung price it DOESN’T mean na bumaba din ang shares mo. NO!!!…. The figure of your money lng yan…. kaya nga wag nyo ebenta. In fact, that’s the perfect time to buy more shares kasi mura lng.

    APER!!!!! 🙂

    Reply
  46. Hi, Ms.Fehl SB Equity Fund right now is going down, i’ve invested last February , can you give some tips? With this kind of performance , do still recommend the PCA method? Thanks, More Power! 🙂

    Reply
    • Everything in the market is on down side right now. Since you’re into Equity Fund, no worries because EF are suitable for 3 years or so to be able to have generous gains

      Reply
  47. Hi, Ms Fehl ask ko lang po kung bakit mas mataas ang navpu ng bdo equity kay bpi equity fund? May effect din po ba kapag mataas ang ROI sa kikitain ng pera mo sa fund na paglalagyan mo po? Ngayon po ba na bagsak ang stock market mas magandang maginvest? Please enlighten me mam plan ko na po kase kumuha ng UITF equity fund undecided pa din po ako kung sa bpi or bdo? Please reply Godbless po.

    Reply
  48. Good day to you ms fehl!!I jaz wanna thank you ms fehl for your time ,effort,advice ,guidance to us.i learned a lot from you..now i started to invest for the future of my my daughter @ for my retirement as well..God bless you ms.fehl!mabuhay ka

    Reply
  49. Ms fehl,
    Do you have an idea kung kailan usually tumataas ang navpu? Coz weeks ng mababa ang navpu ng BDO. Nakaka worry kaxe. Tnx. Na avail q na navpu is 120 and navpu now is 107. Should i let it stay there or i pull out ko na?:(

    Reply
    • The stock market is also down, it’s a normal cycle no worries. Everything will eventually come back to bullish stage. UITF have risks so you must not panic when the market is down. Babalik din naman yan. Follow your TARGET. You have a goal or a target right?

      Reply
  50. Hi Ms.Fehl I would like to ask wants a good investment? I want to invest on a monthly basis. Can it be applied in Equity Funds? Im turning 18 this month

    Reply
    • Depende parin yan sa financial status mo, risk appetite mo and goal mo as an investor. 🙂 All UITF are good investments but you should choose which type suits your needs

      Reply
  51. Hi Ms Fehl,
    Would the peso cost average method be advisable for UITFs as well, or is it better to invest one-time lang instead of partial amount every month?

    Reply
    • Yes, it can also be applied with UITF and Mutual Funds. I actually use it sa UITF Equity Fund. I never stop yet because I effortlessly earn money

      Reply
  52. Hi ms fehl,magandang araw sayo!my mom invest in bpi equity..dhil hindi nga pwede tru online @ this bank i prefer @ bdo so temporary mom q n lng muna ng invest @ i am her defendent.i chose 3 funds in equity ng BPI @ 1 lng po sna aplayan q kun san pnk mgnda s 3.so she ask the advice of the banker..kaso po suggest s mom q n ms mgnda ung 3 funds na po n un get nia instead of 1 lng sna ms fehl.do you think tama po advice s mom q @tama po bng strategy un?this is not considered diversification right?how about the trust fee?i need to pay 3 instead of 1 in 1 fund.thanks ms fehl!my uitf din po aq in bdo @ MF ,i want sunlife.

    Reply
    • Hi. Spreading out your investment is diversification. If may pondo ka naman, I don’t see something wrong with it. Wtat is important is your plan and how you stick to it. 🙂 Yes, that’s considered 3 UITF accounts so 3 fees din

      Reply
      • Thanks, Ms. Fehl. 2-3 weeks na po ako nagbabasa ng articles about UITFs, I think bagay sakin yung equity :). Now, I’m torn between 3 banks (BDO,BPI and SB). San po tingin nio mganda mag-invest? I’m currently leaning towards BDO (naka 2 balik na ko sa kanila to inquire – hahaha)

        Reply
          • I picked BDO, start na po yung contribution nung May 5. Hopefully it goes well, then I’ll open other accounts sa ibang banks.

            Thanks po! Your articles are really helpful. 🙂

            God Bless.

  53. Magandang umaga po Ms. Fehl. Gusto ko lang po linawin about sa BPI-Philam Equity Index Fund 2. It is under their Invest Plus Peso Policy. Tama po bang hindi po guaranteed ng BPI & PDIC ang financial products ng BPI-Philam? So, it means if somehting bad happens to the company(BPI-Philam) wag naman sana. Bye-bye narin sa investment ko? Im still confuse if i’m going to go ahead with my investment or not. Please enlighten me. Thank you po.

    Reply
    • Hi, UITFs are not insured under PDIC because they are not deposit accounts 🙂 If the funds didn’t perform well, your investment will also do the same.

      Reply
      • Hi! Thank you. So, what do you think of BPI-Philam’s Equity Index Fund 2? I tried to look for it in the list you provided. But, it is not there. I only found BPI Philippines Equity Index Fund. I think that these 2 are different from each other. If it is, can you please give me your insight about BPI-Philam’s Equity Index Fund 2. Thank you again & GOD BLESS

        Reply
        • Hi Jo , last year kumuha ako ng BPI-PHILAM EQUITY INDEX FUND, bale VUL siya, meaning may life insurance kana at the same time may investment ka pa. Yung sa akin one time payment which is 100k…so far after 2 months na nag invest ako, yung 100k naging 105,455k not bad right? Sa ngayon bumaba ang equivalent ng fund ko but don’t worry talagang ganyan wait ka Lang for more years , you’ll see maghaharvest ka ng marami hehe.. Now it’s the time to buy more kasi bumaba ang prices…

          Reply
          • It’s your choice when to withdraw your funds and it’s your choice if you are going for long term 🙂 Some UITF allow top up

          • Hi Ms Yasi,

            Good day to you!

            Same po tau ng kinuha ng fund sa BPI-Philam, kaso dq alam pano ma track ang growth ng ni invest q.

            Annualy payment q is Php 67, 758 naka 1 year na po ako.

            Ask ko lng po san kau ngbase ng growth ng investment nyo?

            Thankss po sa reply!

  54. Hi Fehl.
    I would appreciate insights you might have on SB Peso Equity Fund. There is no doubt that it did exceedingly well last year, therefore YOY it would really be at the top. I invested on it last month but I am starting to feel uncomfortable about my investment as its NAVPU has been going down. I know that UITF’s are supposed to be long-term investments but I feel so tempted to pull out already. Honeymoon stage pa lang kami supposedly ng aking investment pero ganito agad ang performance tsk tsk tsk.
    Would you have an idea on its prospects and/or NIKL stocks which I think is where they have heavily invested on?

    Reply
    • SECB’s Equity Fund is very aggressive that is why when their stocks performed well, SECB’s UITF goes the highest. It’s also the same when they lose, it’s a nearly bad. But their fund managers are bright, I’m sure they will pick up and recover soon. Stick to your plan, it’s too early to quit

      Reply
        • That is if you believe that their strategy and equities would recover and would perform well again. SB’s chosen equities are very different from other bank’s UITF. Check out their Fund Fact Sheets and analyze their asset allocation for this month. 🙂

          Reply
  55. Hi Ms. Fehl, I am considering UITF for my dollar account which is around $12k. Where will you recommend to put my money? I’m thinking of choosing equity for 5 years or more. What advice can you give me?
    Thank you.

    Reply
  56. A pleasant day Ms.Fehl, any updates and reviews on performance of UITF for 1st 3mos of UITF???
    Much appreciate po kung meron na, plan ko po start sana this April 2015..God bless.

    Reply
  57. hi Ms. Fehl!

    Is it ok to put some of your Emergency Fund in UITF money market fund and not withdraw it up until you need it?

    Reply
  58. I want to clarify there is a withholding tax of 20 % for UITF , my investment is SB PESO security fund , you mean when I withdraw my funds from Security bank there is a 20 % charge is that right ?

    Reply
  59. Hi Ms.Fehl,

    I have been reading your blog 2 weeks ago and starting to open a MF account at Philequity – Philequity Fund for my future since im projecting a long term investment. However, i have also plan to open an account in UITF for my son for his education come 15 years after. Is it advisable to invest in UITF (Balance Fund) for an educational plan? If not, what would be your recommendation?

    Thanks and regards,

    All the best,

    Robb

    Reply
      • Follow-up question, Ms Fehl.

        I also have MF (Equity fund) but I want to try UITF too (same as Mr Robb). For Educational savings din po but I intend to not touch them for at least 10 years.

        Medyo confused lang po ako (knowing na great risk ang UITF Equity pero “regulated by BSP”), tama po bang I-assume na pag bagsak ang Equity ng MF, ganun din ang sa UITF (say for example yung case ng 2008), so it would be better to stick to UITF Balanced Fund for Educational Savings?

        Salamat po ng marami.

        Reply
        • Hi. Yes, since equity funds are involved with stocks it’s possible na same effect nya with MF sa UITF on Equity pag bagsak ang stock market. However, you must take into account na different ang composition, allocation and strategy of UITF to MF so they will be entirely different too in terms of profit

          Reply
  60. Hi Ms.Fehl,

    Ask lang po where can i invest a Mutual fund ? I ask BdO they dont have mutual fund.

    To increase my knowledge on stocks investment can you please suggest where can i attend some “free” seminars on investments.

    Thank you,
    Aida

    Reply
    • BDO has UITF but not Mutual Funds. If you wnat mutual funds, go to Sun Life, Philam, Metrobank FAMI, Philequity, BPI ALFM etc

      Reply
  61. Hi Ms Fehl,

    In UITF or any fund based on NAVPU, is there a difference in gains as to whether you make partial redemptions everytime you make profit compared to not touching it and make it grow? If you dont redeem, will it grow such as what they call compounding interest like in bank savings? Just a thought because the value is based per unit so the number of units/shares will not be changed eventhough how big a profit you make and hence, compounding interest does not apply here, am i right on this? thanks…

    Reply
  62. Hi Fehl,

    Im thinking of P50,000 UITFs and P50,000 Mutual Fund at the same time sa Security Bank. Would that be a good start???

    Thanks,
    Jhector

    Reply
  63. Hi ms. Fehl thank you for your very informative blog. I just want to ask Meron po akong account sa bdo I want to try bdo equity fund ,will it matter po ba Kung saang branch sya e open taga probinsya po kasi kmi. Or dpat po sa Manila branches po? Isa lang po ba nag ma manage nationwide nyan or every bank iba iba po? Thnx…

    Reply
  64. Hello Fehl,

    This site is very useful for people like me with little knowlede about investment. It gives me lot of very useful information. Job well done Fehl.

    I am an OFW here in Saudi Arabia and most of my money are on time deposit. The interest rate is very small that’s why i already reading books about stock market, reading blogs, watching tutorials but i think i don’t have enough time to check the stock market from time to time. And then I know about the mutual fund and uitf. Mukhang ok sya sa akin who don’t have enough time to check the movement of the stock market kasi may fund manager who manage my investment. Hopefully maka open na ako on may vacation this March 2015. Sabi mo nga, the earlier, the better.

    Reply
  65. hi ms Fehl

    SB’s equity fund is really tempting for me to invest and i believe many people are putting their money on this right now. My question is, will navpu be affected if too many people will invest on this fund at a particular period of time. How significant will this be?

    Reply
    • Hi, yes I’m impressed with SB as well but my UITF is still on BDO. I’m so focused on stocks these days that’s why. With your question, NAVPU will increase or decrease based on how the fund performs, not because of too many people buying units. However, if the size of the total fund increased or expanded, it could help it increase profit

      Reply
  66. Does the NAVPU mean that all necessary deductions are already deducted including taxes and management fees? Or the deductions are being recognized upon redemption? Thank you for the article! 🙂

    Reply
  67. Hi Ms. Fehl,

    I noticed that SB’s Equity Fund dropped for the 3rd time this week, do you think this is the best time to top up since I have an existing account on them?

    Thank you!

    Reply
  68. miss fehl,

    i just checked the navpu of bpi this day 20 january 2015… and all is zero as in lahat ng units zero.. why is that??? is this just some kind of mistake or what?? if i invested 20K in bpi uitf does it mean na zero na din ung inivest ko???

    Reply
    • It’s normal when the system is not yet updated 🙂 No worries. It’s just their website. Wait for few minutes to check again.

      Reply
  69. Hi Ms Fehl,

    Been waiting for this article from you. Thank you! 🙂 My next investment plan is to invest in MF. So I have 1 UITF already. I have a question though, that intermediate term UITF you say is ideally good for 1 year, what if I still don’t need the money and let it stay there for another 1 year is it OK? I’m a moderately conservative type of investor but I also wanted to have a long term investment but suitable investments for me are only bond funds/growth funds. I hope you can enlighten me by giving some tips. Would you recommend that the MF account im planning to invest is a long term one and UITFS be the intermediate term? Thank you very much Ms. Fehl!

    Reply
    • Hi Thea. Yes, you can also keep your funds for more years instead of your original plan of 1 year. When you invest on UITF, you have the power when to redeem them. 🙂 Always remember, the earlier and the longer you invest your money, the more chance they will grow 🙂

      Reply
  70. Hi Ms. Fehl, I have a question re: UITF NAVPU. I opened an account today with a minimum starting of P10K which have a NAVPU of P2. After 2 months, I decided to add another P10K with a NAVPU of P3 for that day. Will my 2nd P10K used the P3 NAVPU or still the P2? Thank you.

    Reply
    • They don’t have specific UITF product called EIP but you can add up funds to your UITF in Security Bank which is very good. I myself would like to try them out. 🙂

      Reply
    • 20% tax is only applicable for fixed income and Metrobank is one of the banks who does this. I suggest you check the portfolio of what you are investing in to avoid regrets about the charges. Try also to compare the charges being imposed by diff banks on UITF then make a decision and choose which among of those will lessen your burden on various charges.
      I think this site will help you…

      Reply
  71. ok thanks i get it, my next question is
    can i add fund to my bank account to be at least to become UITF
    I think UITF is much better than short term
    eg,
    if ever i invest my 10,000 to ALI and i want it add 20k on it is it possible that my dividend will incerease annually?

    thank you!

    Reply
    • UITF is a separate account. But, yes you can use your funds from your existing bank account to create your UITF account. You cannot earn dividends thru UITF like you do when you have stocks in the PSE. Yes, the more shares of stocks you have at the ex-date, the more dividends you will receive when that certain company issue them.

      Reply

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