How to Open UITF Account Online in PNB

Great news everyone! Now we can open UITF account online without going to the bank personally. PNB is the first bank in the Philippines to allow this convenient way of UITF eBanking.

In the past, investors were strictly required to appear in person to open UITF account, sign stuff, have assessment and so on. But now, everything is done online. Are you excited? Read this post because I’m sharing here how to open PNB UITF account online.

Many readers of Philpad asked about the possibility of UITF account opening online especially OFWs. I think this is the moment they’ve been waiting for. I’d like to give my kudos and cheers to PNB for making this online service possible. Geez if I could launch fireworks for that job well done, I would too 🙂

Apparently, other banks like BDO, BPI, Metrobank and others are into developing their UITF application online features too. I know BPI’s online banking system has been so convenient but they were not so vocal about their UITF online application feature yet.

With BDO, you can link and sync and enrol your existing UITF account online but you cannot yet open one online. I’m so glad PNB launched this feature because time is money.

Why I Choose PNB UITF?

I’ve been a fan of Trust Funds ever since and as an investor, I also want to diversify my portfolio and money. Earlier last year, Lucio Tan’s Allied Bank has acquired PNB and few months after that PNB launched their online UITF facility.

Looking at their funds’ performance and fact sheets, I decided to invest with them. I’m also impressed with their High Dividend Equity Fund which is new in their line of investment products. I know I have to join the wagon so I’m starting with their Prime Peso Money Market Fund and High Dividend UITF Equity Fund.

How to Open UITF Account Online in PNB?

open pnb uitf account online
  1. First you need to have a PNB Online Banking Personal account (aka eBanking). Sign up for one. This means, you must have an existing account with PNB. Doesn’t matter if it’s Savings account or Current Account, or ATM account or non-ATM account.
  2. Sign in to your PNB eBanking Personal account.
  3. On the left side of the page, select “UITF Investments” menu then click “Enroll Now
  4. Read the UITF Online Service Agreement and make sure you understand it fully before selecting Agree.
  5. Answer the UITF Client Suitability Assessment. No worries, there is no right or wrong answer. Be honest with your answers to know what type of investor you are and how much you can take risk.
  6. Go on and read everything until you agree with the Client’s Conforme.
  7. Read and understand the Risk Disclosure Statement and tick the box if you read it already. Then select Agree.
  8. Your Nomination of Settlement Account page will be displayed. Choose which PNB account you wish to enroll then click Submit.
  9. Then you will receive an Acknowledgement message like this one below. Wait for an email from PNB confirming your UITF account approval.
  10. Wait for the approval email message from PNB regarding your UITF application. After that, you can Make a Direct Investment.
  11. Make a Direct Investment and choose the UITF type you want to open. Provide the amount you wish to invest.
  12. Confirm your investment by following the next procedures. PNB will email you once your COP (Confirmation of Participation) is ready. You can then view your Investment Portfolio online anytime to see your earnings.
uitf invest philippines
Provide the how much you want to invest in your Trust Fund. In this example, I chose to invest P150,000.

Now you have started your investment. If you want to learn more about money investments, stocks, type of UITFs, and mutual funds, read our MONEY section.

“Don’t just work for money, let your money work for you.”

Disclaimer: I’m not affiliated with PNB. Everything shared in this article is based from personal experience. Likewise, every fund preference is based from personal financial goal. UITFs like other investments have risks. If you don’t know or you’re not sure what you’re doing, read and read and learn.

Have questions darlings? Feel free to leave your messages at the comment box. Happy investing!

About Fehl Dungo

Licensed Career Service Professional, tech investor, founder of Philpad, and published author of a poetry book at Barnes&Noble.

132 thoughts on “How to Open UITF Account Online in PNB”

  1. I have enrolled PNB uitf , pero ang recommendation ng pnb ay moderate . Gusto kung palitan ng Agressive . Please let me know kung paano e modify. Thank

    Reply
  2. Hi maam fel,

    It is through your blog that i have started to invest in uitf… however, since i am finding it hard to redeem thru other banks because i cant reddem online, i wanted to try it with pnb. Much to my dismay, when i click on the balance inquiry option of my online acct in pnb , it says no records found… further, when i enroll another acct and use my atm number, the prompt went something like the account number length is too short

    Reply
  3. hi ms fehl, ung account ko po kc sa pnb is payroll account.. and naka online banking na po ako at na enroll ko na sia sa uitf ng pnb tas ang pnb dream builder po ung kinuha ko na investment,, pd po ba na walang fund ung pinaka saving account ko?? kc winiwithdraw ko po lahat pag kasahod ko,, pd po ba na mag direct investment lang ako tas i i zero balance ko na po ung account ko, then dedepositohan ko nalang po sia para po sa uitf transactions ko?? Thank you po ng marami in advance

    Reply
  4. Hi Ms.Fehl,ask lang panu magadd ng funds sa investment na napili mu s UITF? monthly ba ang pag add sa initial investment or pde khit weekly? Thanks in advance

    Reply
  5. Hi Miss Fehl,

    Thank you for sharing all your experience on investment. Bago lang po ako sa uitf, In PNB uitf po ba how many allowed uitf investment you can open?

    Thanks,
    Aeros

    Reply
  6. Hi Fehl, it’s about a savings account. Can a savings account avoid being dormant if it is used solely for participation or redemption of an uitf.
    Thank you for your time and consideration.
    Regards,
    Jeff

    Reply
  7. hi fehl, i just enroll to PNB UITF.. ask ko lang, kailangan ba ma-reach ko din yong 10k for the minimum additional participation monthly? or i can add any amount. thanks.

    Reply
  8. Hello Ms.Fehl, I’m not sure if pwede pa ba magtanong 3mos ago ang last post eh. Anyway question ko po, meaning ba ng ‘minimum additional participation’ amount yun na need ko i.invest after nag enrol sa uitf? Then may deadline po ba para i.meet yun na amount or as long as hindi pa ngmature yung account? Yung AIP po ba para lng ma.meet yung threshold na 10k or pwede rin ba pra sa additional fund pag nag roll na to uitf yung account ko? Tapos kung pwde yung aip for additional, kailangan na po ba ifollow yun all throughout or pwede ba baguhin ang assigned amount? Then pwede po ba mag additional kahit hindi aip, say manual deposit? And kailangan ba monthly ang additional or kung kailan ko lang preferred? Thanks in advance sa reply. 🙂

    Reply
    • Min. Additional Participation is the min. you can add to your initial investment. If 10 ang threshold, you’ll have COP every 10K. You can set amount for additional or assigned new. It’s up to you. 🙂

      Reply
  9. Hello Miss Fehl,

    Ask ko lang po kung pwede ba sa katulad naming OFW ang mg invest sa PNB Enhanced Phil-Index Reference Fund or PNB High Dividend Fund and advisable ba sa isang OFW na piliin eto instead of PNB Global Filipino Peso Money Market Fund & PNB Global Filipino Dollar Money Market Fund.

    salamat po and more power.

    Reply
  10. Hi Ms Fehl, I had my COP ready.. ask ko lang what are the procedures in PNB online banking if I would top up 5k a month? Which function to select? Sorry, newbie lang.. hehehe..

    Reply
    • On the left side menu, go to UITF Investments and then select Make New/Additional UITF Participation and choose Subscribe to an Auto Invest Plan (if you want to add 5K monthly to your UITF)

      Reply
      • Hi Ms. Fehl, it didn’t give me an option to add fund to my existing COP under PNB High Div. Instead, the link will just prompt me to apply for a new fund. Pls enlighten me. Thanks..

        Reply
        • You will have another COP for every new placement you add thus you can have many COP on 1 UITF. You cannot add units to existing COP, imagine how rich you get if it is allowed 🙂

          Reply
  11. Hi ms fehl. what is the maximum length of time do i need before redeeming to ensure maximum profit on my investment. I am eyeing the pnb high dividend fund. Thanks for your info. Inspires me to invest

    Reply
  12. Thanks a lot ms fehl for ur reply @ time.ask q lng ms fehl,if let say mg invest aq ng 500k s equity,my chance b n totally m lost ang aking investment?khit n stable @respetadong kumpanya p?kc medyo takot p q.s TD kc npkbaba ng interest

    Reply
    • Hi! In any investment, there are always risks involved. Yes, there is a chance you would lose some money but I don’t want to say you will lose everything since that is almost unlikely to happen. And if you see some loses today, don’t panic. It always happen. Let it pass and you will surely see gains and profit when you reach your target period. 500K if invested on equity fund UITF like PNB and BDO for 5 years or so would surely gain than lose. Their Fund Managers are very excellent.

      Reply
  13. Hi ms fehl!here i am again your avid reader @ fan.gusto ko kc mg open s pnb uitf..meron n po akong savings acct in pnb kya lng joint acct po kmi ng aking asawa..pwede po b yun as co investor q xa?kc d po b nid my existing acct pra mkpg join s uitf?

    Reply
  14. HI! ms fehl,

    i have a question i have a emergency fund which in my savings accnt, my question is it is okay to put my emergency funds in a uitf? since savings accnt is only gain 1 percent per year that will be lost by inflation…. hope to hear from you soon.. god bless..

    Reply
    • Yes, choose Money Market Fund or Balanced Fund. Those 2 are not very risky and will give you income higher than savings and time deposits.

      Reply
  15. Hi Fehl! For the past 3 weeks I’ve been reading so much about every banks investment offerings. I’m a single mom of a 5 year old boy and was thingking of investing for his future. I am already 40 that is why , though very much eager to start investing, there is some feelings of fear which bank to choose and trust! I have an account in pnb and I found out ( thru reading), that their high dividend fund is doing good! Also in order for me to start investing to this Uitf, I have to enroll in their ebanking. What I want to know is how safe is this online banking and how sure am I that whenever I experienced some problems/technicalities, pnb can help me? or am I still will go to their branch?

    Reply
    • Hi Doreen! Let me congrats you in putting up investments for your little boy. I admire you for that. It’s normal to have doubts especially if you’re a beginner in investing. But you must not be afraid if you’re investing with the big banks in the Philippines. PNB has been in the banking business for many decades now. Geez, they just celebrated their 98th anniversary this year. It became much bigger and stronger since Lucio Tan’s Allied Bank merged with it. I would eat my hat if it wouldn’t be in the business for another 100 years 🙂

      Online banking of the major banks here are very safe because they use TSL and SSL certificates, thus everything is secured. As a user you are required to log in using OTP too which only you alone knows. A very good sign you are on a secured banking portal is when a site is using https instead of http. Yes, PNB can help you if you are having techy problems with your banking transactions. You can contact them anytime.

      I know safety is very important. Because I myself transact online most of the time nowadays, I bought Norton 360 and installed it in my computer too for pure computer protection not only in my bank logins but also for all my online accounts like Facebook, Gmail etc. It helps bigtime. I renew it every year. You can also use same product used and trusted by big companies. It can be bought in this link: http://buy.norton.com/en-ph/ Choose Norton 360, it is a complete computer and internet protection. I’ve been using it for 3 years now. If we’re neighbors, I’d help you install it for you.

      Reply
    • They are both equity funds. PNB High Dividend Fund is invested on PSE companies that always produce dividends while Phil-index Reference Fund from the account name itself, it is invested on specific PSE index funds that PNB selected or referred to diversify portfolio and minimize losses/risks.

      Reply
  16. Sa PNB UITF (let say PNB High dividend equity) po ba after my initial subscription at may COP na rin ,, at sa susunod na magpondo ay magrerespond ba sa iyong new separate Trust Savings account no.? Pag may trust savings account number ang isang fund, madali na kasing mag fund transfer from source savings account. to destination account..Click lang ng click..May mga Fund na pang OFW lang paano kung ang fund ay pwede kong ienroll na di pang OFW?pero may tintick na waiver doon sa online.. Ito ay maaprobahan din ba as long iyong CSA mo ay approved.

    Reply
  17. Sa mga UITF ng bangko ay iba iba ang mga trust fee., custodian fee at external audit fee. Ito ay by percentage of fund value per annum..Paano pag compute po nito.Either gain or Loss ka at the time of redemption sa kabuuan ba ito?Lets say ang inenvest mo ay total 100k pesos after 3 years. Kung kumita ng 20,000 pesos ay ———- pero kung loss ka naman ng 20k sa inenvest mo ng 100k ay ______

    Reply
    • Yes, joint account for UITF is allowed if you open it at the branch. PNB allow up to 4 names in the joint account. It’s not allowed when opening UITF account online at present

      Reply
  18. good day po miss fehl,

    may tanong po ulit ako about sa pnb auto invest plan..
    automatic na po ba yan mag deduct dun sa account ko??..kasi po ang nangyayari hindi po nabawasan yung account ko…ano po ba ang dapat kong gawin?? kelangan ba mag make a new participation para madagdagan po yong uitf shares ko??..

    salamat po sa blog mo!..it really helps a lot of pinoys who are lack of knowledge about investing!
    godbless!

    Reply
    • 1.Sa AIP ba dahil inacknowledge ko iyong recurring date monthly at dated start on sept 1, 2014 and end oct 1, 2014 and umpisa ng deduction sa source account ko. Sa susunod na buwan ba from Oct 1, 2014 to Nov 1, 2014 ay auto debited na ?

      2. Ang global peso money market ba na conservative sa PNB para sa conservative na kagaya ko for long term ay pwede rin mag open ng ibang fund na conservative din like PNB plus intermediate term bond fund?
      3. Ang equity fund na aggressive ba pwede sa OFW? Kung ang minimum nito ay 10k at dumating na ang value ng fund mo ay less than 10k dahil bumaba ang NAVPU , may penalty ba?

      Reply
      • 1. Recurring date if you choose 15th and 30th auto debit na to your source account. Pwede nman yung future dated pwede din yung actual na kung gusto mo.

        2. PNB Plus Intermediate Fund is for moderate type of investor, it’s not Money Market because it’s a Bond Fund.

        3. OFW can invest to Equity Fund kc konti lang Special Deposit Account nun, so kung nag AIP ka to have Equity amounting to 10k, regardless kung ano NAVPY bsta umabot 10k money mo auto invest na un, dun plang mgrurun ung first day mo,

        Reply
        • a.iyong item no.1 sa aip na recurring date monthly iyong tinick ko.i mean magdedebit sila every first of the month at hindi iyong 15th and 30th..
          kung halimbawa gusto kong baguhin ng future dated at monthly lang,may confirmation uli ba iyon?

          Reply
  19. Hi ms.fehl isa po akung ofw dito sa qatar.masaya po ako at nakita ko po ang blog ninyo dhil po dito nagkaroon po ako ng idea sa pag iinvest napaka laki po ng tulong na blog ninyo sa aming mga ofw.
    Tanong ko po ms fehl maganda po bang mag invest sa money market fund ng pnb at kung ang initial investment ay 10,000 pwede po bang magdagdag ng 2,000 monthly at hanggang kelan po ako pwedeng maginvest sa money market fund.salamat po and more power god bless:-)

    Reply
    • Hi Neil 🙂 Thank you for the compliments. Money Market Funds are for conservative investors. Their earnings are higher than savings accounts and time deposits. Personally, I prefer Equity Funds coz they give the highest earnings although they are so risky. But if you want to put 10K and 2k monthly continuously let’s say in 10 years, that would be around 250,000 and estimated growth would be 300,000 or more assuming market is doing good. Of course that is just an estimate, you can earn higher than that if you put higher like 5K monthly or even 10K.

      Reply
  20. Hi Fehl, as I was watched my favorite kapamilya shows.. They mention about Mutual Funds I got interested about it and I google it ASAP and I found your blog about different kind of investment. I have 2 bank accounts in the Philippines, I have BDO and PNB. I want to open up an UITF account at PNB since it is an online application because I can’t do it personally coz I am here at the UAE. I am interested about PNB Global Filipino Peso Money Market Fund – P5,000. The thing is I don’t know if my account is still active coz I haven’t send money in my savings account for 2 years now or more. How would I know my account was still active? If my account is active can I invest for 50k in the beginning? Then 5k every month, my target goal is 2 or 3 years. Hope u can help me invest my hard earned money. I am looking forward for your reply. Thanks,
    Maricel

    Reply
    • Hi Maricel! Yes PNB has online UITF account opening and since you already have PNB account, you need to register for Online Banking account so you can start opening your UITF. You can monitor and view your accounts then online too. If you’re not sure if your account is active right now, I suggest wait before you create an Online Banking account. I’m not sure if 2 years would make an account inactive. Since I have friends in PNB head office, I can ask about the 2 years thing. I will comment again here once they replied.

      Reply
    • I already asked PNB about your 2-year inactive account. They say it may be dormant now. If you want to activate it again, just email PNB or call the branch where your account is

      Reply
  21. Hi Ms. Fehl. Can i cancel the aip for uitf anytime i want to?
    By the way, I like your blog a lot..very informative.
    Thanks!

    Reply
    • Cancel? The term there is Redeem 🙂 Yes you can redeem anytime you want as long as it’s not before the minimum holding period. I suggest though you maintain your funds invested so it will grow and appreciate in value

      Reply
  22. Ms. Fehl

    thanks to your articles at nakapag invest n ko ng uitf equity fund sa bdo thru eip.tanong ko lang kasi one time walang fund ung account ko and walang nakuhang 5k ung bdo sa acct ko kasi auto debit siya every month.the next month may charge s acct ko n 5,260.may charge or penalty b pag nagfail ka s paghulog?I cant say thank you enough I found your articles.

    sincerely,
    joel

    Reply
    • Hi Joel! Thank you for the kind words about our site. You must have enough funds in the savings account linked to your Equity Fund unless you already redeem and signed to stop your UITF. I know banks charge some fees when the account has no enough maintaining balance. You must fix your account now before you have worse problems.

      Reply
  23. Ms. fehl! pnb peso global money market fund ang inenrolled ko Gusto kong magdebit sila sa pnb savings account ko monthly ng 5,000 pesos sa fits day of the month.Paano po ba i ennroll ito?doon ba sa auto investment plan? please advise!

    Reply
    • You need to choose PNB Auto Investment Plan if you want to set aside some money to place in your investment monthly. I think AIP is done at the bank for now coz I don’t see a link in the Online Banking feature for it as of now. I will ask my source at PNB later.

      Reply
      • Hi Ms Fehl,

        So for the meantime dahil wla naman sa link ng Auto investment Plan, manually enter ka lang ng P5k monthly for additional sa existing Peso Global money market fund ko. May PNB savings account ko ay may sufficient fund for 1 year.I wrote PNB customer care kung monthly auto credit of P5k from my savings account.

        I want to be sure lang.Thanks..

        Reply
        • Hi there. PNB Trust Banking Group already replied to my query. Great news because Auto Investment Plan can also be opened online. 🙂 Just log in to your PNB Online Banking account, on the left menu go to UITF Investments then find Subscribe to an Auto Invest Plan and proceed… 🙂 Should you need more question about it, don’t hesitate. 🙂 I will also make a complete post about it here soon.

          Reply
          • i subscribed to it after filling the details .pasr 11:00am (AUH time).I clicked submit but it took so long the message for respond so i clicked the button icon . Hope this will reviw by trust banking group for my AIP. It did not mentioned on the details , the date when they will withdraw from my savings account which I prefer to be on done regulary 1st day of month .

          • On the Acknowledgement Page, you will be given an option to set up a future-dated or recurring placement. Didn’t you see it?

          • I have seen this acknowledge page and option for future dated or recurring placement but i did not ticked on it….So at present ba ang satus noon ay manually popondohan by additional placement?

          • You must select a recurring placement of amount of your choice to invest continuously and periodically

        • 1.Follow up lang Ms. Fehl , tungkol doon sa AUTO INVESTMENT PLAN, na confused ako..lumabas tuloy may dumagdag na dalawang COP ko aside the initial subscription na may COP na may correspomding Clinent suitability assesment na aggressive..Same Globe peso money market fund. Gumagana na iyong una pero itong dalawang latest ay declined dahil sa pagfillup ko uli ng CSA at naging risk averse…And advise ng Trust banking group ay re enroll ko uli daw ang UITF and reasses my CSAF..Paano ko ma re enroll kung nakapending pa.? .
          2.Paano maconsolidate na isang account na lang na imerged iyong 2 bagong COP na sa naunang COP/Trust savings account.?. Iyong option na enroll existing UITF placements para sa mag add ng placements?Ask ko lang po?

          Reply
  24. Hi miss Fehl,

    i am interested sa uitf ng pnb, tanong ko lang kung sakali ba maginvest dito eh di kaya mahirap i-redeem later on and required ba na dagdagan yung amount for a certain period.

    Kindly advised.

    Thanks.

    Reply
    • It’s so easy to redeem, it’s literally just a click. 🙂 If you wish to add or make more investment placement, you can also do that. Just make sure you have the money in the PNB account you wish to use in the investment

      Reply
  25. hello mis fehl!

    im so thankful na nakapag open na ako ng uitf…thanks po sa advice mo!
    and then may tanong pala ako…automatic na po ba mag deduct once na nag auto invest plan ka sa pnb??kasi po i observed hindi pa nadagdagan yong uitf ko…
    thanks po sa sagot!…

    Reply
    • You have to wait for PNB confirmation that your UITF was approved. You will see then your UITF COP. Yes they will deduct you then once it started

      Reply
  26. Hi Ms. Fehl, mayroon na akong savings account sa PNB pero ATM lang.Wala na akong oras maginquire o magapplay sa UITF sa PNB.Ok muna sa akin ang PNB Global Filipino peso money market funds at PNB dream Builder intermediate term Bond Fund..Parehas na conservative.Ok naman ang graph sa NAVPU.Gusto kong longterm.Then pag may pondo, pwedeng subukan ang equity o balance funds..Alin ang good ROI pagdating ng balance fund at equity fund?

    Reply
    • Balanced Funds have moderate risks and higher earning potential however Equity Funds still give the highest earnings in the long run even though they are the riskiest

      Reply
  27. Hello Ms. Fehl,

    Based on your current investments, which of those would you most likely recommend to newbies like me? With a starting amount of 10k.

    Which has a better investment plan and/or higher earnings so far, BDO or PNB?

    Looking forward to hearing from you!

    Thanks!

    Reply
    • Investments have risks so it is important you get to know UITFs first before you decide. The answer is always based from the person investing either newbie or not. You must know if you’re conservative or aggressive, financially stable, how much money you want to invest, where it is coming from, and you must know your goal. I can give my advice then 🙂

      Reply
  28. Ms. Fehl thank you so much for this very informative website of yours. I am convinced to open an account at PNB and certainly enroll for UITF . Thank you and have a happy weekend. God bless you more!

    Ella

    Reply
  29. Hi ms fehl nakapagregisterd nko nkita ko na ung tin number sa old id ko hehe kaya lng need pa iprent ung nafill upan ko online at ipasa sa kung saan ako nag open ng ofw saving with in 60 days pa nman tapos need rin ipadala sa branch after ba nyan pwde nko mag apply sa uitf.. nag advice ang pnb ng global money market fund for ofw may idea kaba magkno nman kikitain with in 5 to 10 years like for example every month maghuhulog ka ng 5k a month mayron ka po bang sample computation thanks

    Reply
  30. good day miss fehl!…

    ask ko lang po sana, its been two days na po since nag apply ako ng pnb uitf online, wala pa rin silang reply…besides they email me an advisory on how to protect myself from phishing attacks..
    what would i do?? or kelangan ko lang talaga hintayin yong approval nila??
    can u give me an advise??

    tnx po and godbless!

    Reply
  31. Hello! Ask ko lang po if mag-apply ako online, may mga darating ba na mail sa bahay ko tulad ng mga important stuffs like updates, promotions galing PNB? BTW, i’m in the philippines not an OFW

    Reply
    • All updates and documents like your COP will stay in your Online Account Portfolio. You can print them out. They are all valid documents. Make sure you dont tell anyone your log in details though so no one can access them

      Reply
  32. hi ms. fehl papaano ba magpaactivate ng ofw savings account nsg eenrol ako ayaw nman tapos nag fill up ako application nanghihingi nman ng tin number alam ko may tin an ako nawala ko lang papaano ba makuha ang tin number pwede po ba manghingi ng advice gusto ko na sana mag aply sa UITF ng pnb thanks

    Reply
    • Yes TIN is important in opening savings account and UITF because of the withholding tax. Verify first your TIN. If you’re currently abroad, ask your family or relative to verify it for you by going to the BIR.

      Reply
      • hello there! I am very interested in investing in UITF. The blog was very informative.Anyway, Just want to ask if I can withdraw the money i deposited?

        Reply
        • Yes, it’s your money, you can redeem it plus the profit it gained. There are small fees involved though and redeeming in a short time would not give you so much profit. UITF investment is about investing with a goal.

          Reply
    • You’re always welcome. I made this website for you all, my readers, in the first place. So don’t hesitate to ask anything. 🙂

      BTW, I heard Hopeless Romantics are very good in money 🙂

      Reply
  33. tanong ko lang po sana… pensionado po ako ng sss every month my na recieved akong pera galing dun pero na ka savings po ito sa PNB so dahil nsa abroad po ako so every month hdi ko nkukuha yun nsa banko nga lang ho yun, ngayon balak ko pong mg invest sa PNB at mg join sa UITF tutal po ang banko ko PNB AT SAVING MONEY po yun pwede po ba akong mg join at kung sakali ano nmna po kaya ang ms mganda para po kumita ng malaki ang investment ko salamat po sana po mg reply kayo sa email ko tq po

    Reply
    • Yes you can since you have PNB account already. Just make your PNB Internet Banking (eBanking) account first. Once created, log in and follow the instructions discussed in the article above. Note that there are some UITFs applicable for OFWs and non-residents. You will see them when you enroll your UITF account online.

      Reply
  34. hello miss pretty fehl!
    May tanong po ako, regarding dun sa pnb uitf online…
    Paano ko po ba masecure na yong binili kong units is makukuha ko when the time comes na kkailanganin ko na???di ba pag online wala pong binibigay na certificate of participation or what we call “COP”??..

    salamat po sa sagot!…godbless po!

    Reply
    • Hi there! If you want to redeem, you can just go over your online account and go over Redeem Participation and choose the options you want. I think the funds will be credited to your linked account then. If you have more queries, just go to the nearest PNB.

      Regarding the COP, you can print it out. I suggest you do. Hey, do not worry about security, UITFs are being approved and regulated by the BSP. 🙂 If you’re worried about your online banking, banks use secured website so there is nothing to worry about. Also I suggest you use Norton 360 to protect everything you do online.

      Reply
  35. 2nd quedtion ko naman. Mag oopen ako ng COL account at mag aallot ako ng 15000 pesos every month para doon. Makakapag earn kaya ako ng 900 000 to 1 million sa loob lang ng three years. Suggrst ka nga ng company na may pinakamataas na annual effective yield interest. Salamat

    Reply
  36. Hello ms. Marifel! Ask ko lang kung makakaaffect ang pag withdraw ko ng earnings ko sa col financial kahit na ang maturity date niya pa ang 10 yrs from now. Pede ba ko maglabas ng pera sa account ng mas maaga ng hindi makakaaffect sa compounding interest ng account ko? Thanks

    Reply
    • Col Financial is an online trading account. If you’re asking about withdrawing from the funds you placed there, yes of course it would affect your earnings in COL. It’s simple Math. I=PRT They need each other in finding each other.

      Reply
  37. Thank you Fehl…

    Yes i am glad to see you too…and thank you for the assistance and replying my message..Nakatanggap nko ng sagot sa BDO sa ngaun wala pa sila online how to enroll UITF siguro mag iipon muna ng saving para pagbakasyon doon nalang kmi mag apply any branches nman db..sa ngaun ung PNB nalang muna 🙂

    HAVE A NICE DAY!!1

    Reply
  38. Hi Fhel Good afternoon;

    Ang pipiliin ko nalang siguro is PNB Global Filipino Peso Money Market Fund dahil kahit hindi gaano malaki ang dividend atleast sigurado habang nandito pa sa ibang bansa..

    Tungkol pala sa BDO gusto nmin ng asawa ko mag invest sa UITF Equity FUND mayron dito open account ung BDO Kabayan savings lng,, db po ang uitf minimum of 1k a mos tapos pag nreach po ng 10k ipapasok sa equity fund ng uitf tama po ba? Kelan po sila magkakaroon ng UITF online tulad ng PNB bka po may idea ka..let us know po kc medyo matagal pa kami magbakasyon kakabakasyon lang nmin..Maraming salamat ulit fehl sa hindi mo pagsawang magreply sa mga katanungan nmin.God Bless

    Reply
    • We cannot earn dividends from UITFs unlike stocks and Mutual Funds. Yes, Money Market Funds are not very risky and can give higher earnings than Time Deposits.

      Equity Funds are the most risky UITFs and Mutual Funds. But they have higher earning potentials. The minimum for BDO Equity Fund is 10K. If you will invest through EIP, yes you can invest 1k periodically and once your fund reached 10K, it will roll as UITF. You wont feel so much income though with 1K. You’ll feel the funds growing if you’d invest 5K periodically and maintain your funds for 3 years or more. If you have more questions about BDO, please post them in our BDO post 🙂 Thank you! I’m always glad to see you here.

      Reply
  39. Thank you Fehl,..how about PNB DREAM INTERMEDIATE-TERM BOND FUND the amount of 2k ano different nya sa PNB Global Filipino Peso Money Market Fund ksi long term nman ang gusto ko like 10 to 15 years sakto college na ang anak ko that time.. ito pa pala tanung ko halimbawa naglagay ako sa saving ng money ung iddebit lng ba nila ung minimum amount lng ng AIP at anytime pwede ko magamit ung natira savings ko..thank you ulit fehl

    Reply
    • From what I read, PNB Dream Intermediate Term Bond has insurance benefits and suited for clients who would like to invest monthly over a period of at least one year, can tolerate moderate risk, and are determined to save up for medium- to long-term future requirements.

      The bank will only debit the amount you have provided and stated in the application of UITF. See the screenshots in the article. You will see the placement of funds in your Online Account Dashboard including all your accounts in PNB. You’re always welcome!

      Reply
  40. hi fehl its me again sana hindi ka magsawang mag reply mayron na pala BPI uitf ok lang ba kung mag open din ako sa BPI para makaenrol din sa uitf bali dalawang bank parehong uitf..magkano minimum amount sa BPI give me advice thanks

    Reply
    • Hi 🙂 It actually a pleasure to see people return and make comments 🙂 So thank you. Yes you can invest and open UITFs to different banks your choice no problem. 🙂 I know minimum is P10,000 to some funds. Just check the UITF type. Some requires 10K minimum while others 100K. I will list them all soon here for everyone.

      Reply
  41. Hi fehl thanks for your time what if i choose PNB GLOBAL PILIPINO PESO MARKET FUND 5K please give advice if this is good i want may money invest wisely wala kc ako ideas for this kind of investment gusto ko lng na masaayos ang pinaghirapan at ito ay lalago nman for my future..aasahan ko ang reply mo thanks so much

    Reply
    • PNB Global Filipino Peso Money Market Fund is purely for OFWs only. The fund is for conservative investors so it’s not so risky yet earnings are not so high either. See the performance of the funds in this page so you can decide well. IF you want to ask more questions, don’t hesitate.

      PNB UITFs Products Performance

      Reply
  42. sorry namention mo na pala na need existing account..ang tanung ko nalang po ppno kung hindi ka lagi naghuhulog ok lang po ba yan thanks

    Reply
  43. hi fehl ask ko lang mayron n akong ofw saving sa pnb pwede na ba ako mag apply sa uitf magkno po ang minimum amount na pwede iinvest tulad din ba sa bdo 1k a month kukunin lang ba nila yang amount na yan sa savings every month thanks

    Reply
    • If you want to invest specific amount every month for UITF in PNB, you can do so. They have a product called AIP (Auto Invest Plan) similar to BDO’s Easy Investment Plan (EIP). Apparently you can invest 1k every month and when your amount reached the threshold, it will roll as UITF. See threshold below:

      PNB Prime Peso Money Market Fund – P10,000
      PNB Global Filipino Peso Money Market Fund – P5,000
      PNB DREAM Builder Intermediate Term Bond Fund – P2,000
      PNB DREAM Builder Intermediate Term Bond Fund – $500
      PNB Global Filipino Dollar Money Market Fund – $100

      You can open UITF account using your PNB OFW Savings Account. Note the UITFs allowed for non-residents and OFWs. 🙂 Happy investing!

      Reply
    • BDO IMA aka Investment Management Account is also an investment product that is invested to different outlets like government securities, bonds, time deposits and other funds. They are managed by experts too. The only thing special about them is that they are for big time individuals/investors with higher networthmillionaires in short. If you have 1 million or more, you can invest with them

      Reply
  44. HI.. when enrolling for UITF account, should your investment money be on your account? can you enrol without the funds yet and place your investments later?

    Reply
    • The online UITF opening requires existing PNB account so yes, you need to have an account because that is where your UITF investment be debited. You cannot enroll without a fund – offline and online 🙂

      Reply
  45. Hi Marifel,

    Thank you for this very informative post. I’ve been following your posts since i found your website.

    I have a question, do you need to have a savings account in PNB in order to open a UITF one?

    Reply
    • Hi Dominic. Thank you for subscribing here. Yes, you need an existing account in PNB like Savings Account. If you have ATM account, that will work too. ATM and non-ATM will do. I forgot to mention that in the article. Now I added it, thanks to you 🙂 I used my ATM account when I enrolled for eBanking. All you need is your Card number. Then after you logged in, enroll your UITF. It’s very quick. They already approved my UITF the next morning. Your Portfolio and income/loss of UITF will be displayed in your account Dashboard. So cool!

      Reply
      • hi miss fehl, I have a time deposit account in PNB. I opened it nung dalaga pa ko. Pwede po ko po ba enroll yung time dep account online for uitf use? and ok lang po ba na gamitin ko cya for uitf kahit di ko pa sya napapa change status?thanks and more power to your very informative blogs.

        Reply
        • Since Time Deposit yan, redeem mo muna yung funds and convert it to savings account so you can use it for other bank products like UITF

          Reply

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