Investing UITF in BDO Equity Fund – Experience, Review, Benefits

221 thoughts on “Investing UITF in BDO Equity Fund – Experience, Review, Benefits”

1. hi ms fhel gusto ko talaga g invest ng pera wala ako work pero may pera kming mkukuha nung husband ko mga 50k dn un..bnbas ko ung blog mo pero ngugulihan talaga ako kung panu sana matulungan mo ako.pwde b ako mag invest khit wala ako work?

   • Hi Jess. Investment is very risky yet very profitable. You must not invest all your money if that’s all you’ve got. You must invest 20% – 30% of your money and spend the rest to your basic needs and business

2. Hi there Ms Fehl.Im newbies here in investing.Im very much ineterested in your article of “how to be a millionaire in 5 years” i didnt see it kasi…How can I see it,thank you much and more power.

   • Hi, that article can be read here: https://philpad.com/how-to-become-a-millionaire-in-the-philippines-in-5-years/

3. Good morning Ms. Fehl,

   Ask ko lang po if paano ma-monitor yung actual gain or loss ng SDF (Sustainable Dividend Fund) ko sa BDO. I can check NAVPU via their site or Bloomberg, pero panu makikita yung actual money peso value earned or loss? Need ba mag-open ng account? Savings? Then saka ienroll to check and view SDF? Magkanu po minimum maintaining balance? Kasi ang purpose ko lang talaga is para makita yung movements not just NAVPU, kundi kung magkanu na pera ko sa kanila. Salamat po in advance.

   • You must first have BDO Online banking. Once you have one, log in on your account and enroll your SDF UITF account so you’ll be able to view and monitor your earnings. We have a guide about that here at the related articles above.

     • Salamat po Ms.Fehl.

       Magkanu po ang minimum amount to open and maintaining balance sa BDO online banking account?

       • You can open BDO online banking if you already have an account sa BDO. Go to BDO and they will assist you for that. Cheers!

4. hi Miss Fehl,

   I found your blog very informative, It answers almost all of my questions with UITF and EIP, Im a sales person and is so eager to find an investment where I can grow my money, so excited for this. Thank you for sharing this to us. More Power! =)

   • Thank you for the nice comments here 🙂 God bless you as well!

5. Hello!

   First off, thank you so much for this information! Though I still have lots to learn about investment, your posts give me a better picture about investments.

   I’m planning to open an UITF Equity at BDO this month. But I’d like to ask for your opinion about this:

   Let’s say I already have a fund to invest (for example 50k), should I invest it in UITF Equity or under their Equity EIP program?
   I tried to compute it based on previous years and it seems that UITF Equity has more gains rather than it is under the EIP.

   My basis is because most of the time, the NAVPU goes up. It may fluctuate but soon it will recover. Since I’m planning to invest my money for years(5+ or so), buying the units at the beginning will be the best time than buying it every month.
   If I enroll to EIP instead, it will buy units monthly. Since most of the time (again but not all the time) NAVPU increases, it’ll be buying units that is pricier than the start of my investment.

   Is my analysis correct? Sorry if I might confuse you.

   Thank you!

   • Buy 50k worth of units then add up every month under EIP 🙂

6. Buffet says: don’t put your eggs in one basket

7. Hi ms fehl!
   i am planning to invest on bdo eip. Will it be possible to invest 20k upon application as initial investment then 5k as monthly contribution? Or hindi allowed? Para sana mabigyan ka agad ng COP. Sayang kasi kung mgstay lng ung 20k s savings account kung pwd na pala sya mag earn ng mas malaki if you invest it to EIP na agad. Thanks!

   • I think it’s allowed 🙂

8. Hi Ma’am Fehl!
   I think I’m already hooked to UITF EIP of BDO. After investing last April 2014, I have already develop the habit of checking the movement of NAVpu every weekday! It’s really fun to see my money grow kahit ang gawin lang ay tanggapin ang “moderate risks”. I wish I have more to invest. 4 years pa o pde ring 9 years pa para mas malaki ang earnings. lol

   May tanong lang ako kung pwedeng i-continue sa Equity Fund and existing Peso Balanced Fund ko? Hindi naman sa pagkasugapa pero I have higher tolerance to risks now. =)

   • May tanong lang ako kung pwedeng i-continue sa Equity Fund *ang existing Peso Balanced Fund ko? Hindi naman sa pagkasugapa pero I have higher tolerance to risks now. =)

   • You can redeem your funds in your PBF and open Equity Fund. Stocks are great today wow. 🙂 I’m sure equities too.

9. hi, ask ko lang po, if advisable ba na mag enrol pa ko sa EIP if kaya ko nman mag invest ng 10K every month sa BDO equity fund?

   • If you will invest monthly, EIP ka talaga instead of a regular UITF (one-time placement).

     • Dear Ms Fehl,

       thank you for the quick response.

       your blog is amazing!

10. Wow. Quick response. Thanks!

11. Possible ba na i-update ang monthly contributions sa EIP? Like from 1k gusto mong gawing 5k instead?

    Thanks in advance Fehl!

    • I never tried that yet but I think it’s possible because I saw that on the Update Form. I think we cannot do that very often though 🙂

12. My Tita who is an AVP of BDO opened this UITF matter to us yesterday and Thank God i came across this blog and i’m on my way to BDO to open a UITF Sustainable account. Thank you Ms. Fhel!

    • My pleasure. 🙂 Happy investing!

13. Let say i intend to invest long term for 10 years in an equity fund. After 5 years, should i redeem and reinvest on it again? Or should i just let it continue earning for the next 5 years?

    Also, you mention that your prefer BDO over the other banks, however, looking at Security Bank’s Equity Fund performance is 19% more than BDO’s. Would you say that it would have been better if you invested on Security Bank.

    Just wanted your opinion to help me decide if i should stay with BDO but get another account with Securtity Bank.or move all investments to Security Bank.

    Thanks. I love reading your articles.

    • Hi 🙂 Personally, if my plan is to invest in 10 years, I don’t redeem it on 5 coz my plan is 10 years in the first place 🙂 I think it depends upon the person. Every individual has a choice and we must decide and stick to it. It’s up to you if you want to redeem in 5 years or not. Sometimes there are circumstances that happen that change our decisions.

      Yes, BDO is one of my personal choice for Equity UITF and I didn’t shift my existing fund to Security or other banks. I’d rather open a new UITF than close or transfer any existing account I have. If you have BDO already and you want to open UITF in Security Bank, I suggest you stay in BDO and add another UITF in Security. This way you have 2 UITFs. 🙂

14. Hi Ms. Fhel hindi kami natuloy magbakasyon pero may bdo account nko hindi pa nga lang activate pwede ko ba magbigay ng authorization letter sa kasamahan ko dito sa qatar tapos sya magpaactivate magpadala lng ako ang valid copy id’s ko..ung tungkol sa uitf pwede ba kapatid ko mag open para sa akin papadala nalang sa akin ung dapat ko pirmahan at magpapadala din ako ng requirement at authorization letter n sya mag open para sa akin kasi next year pa kmi uuwi sayang nman ang isang taon..thanks i am waiting your reply..

    • Hi Maritess! I don’t know if they allow authorization in UITF account opening, maybe they would allow Skype in the future. Some Mutual Funds use Skype and email application process. At this time, the easiest UITF I know is PNB.

15. Hi coach Fehl.. I’m also a newbie in investing. I found your blog extremely interesting. So i spent about half of my day reading this.. I’m the typical pinoy who just opens a savings account in a bank. I got my first job in a bpo company and was able to save up for about 50k only(within 2years) ..my perception in banks was i thought i could only use the bank as my money’s safekeeper. I thought it’s not risky. But as i read through your blogs and watch youtube.. I was enlightened that even in time deposits there is a risk due to inflation etc… Now, i’m very interested in trying the UITF that you’ve recommended in BDO(though my savings is in BPI).. I wanted to maximize the potential income that i could earn with my 50k.. Because i’m about to enter med school. While i’m in med school i would like to grow my 50k..My question to you financial coach Fehl: do i need to do a monthly deposit to my UITF ACCOUNT? I believe i can’t sustain a monthly deposit because med school is very demanding financially. Should i first deposit 10k and just monthly deposit 1k until i reach 50K? If u were in my situation..how would go about with this one..( i was hoping that by the time i graduate and have my license .. I have a capital to start a clinic..that’s my ultimate dream..:D… Thanks so much coach Fehl! Godbless and more power!

    • Hi! Thank you for reading my posts here. If I was on your situation, I would invest 50K one time on regular UITF BDO Equity Fund or their new Sustainable Fund since you mentioned you cannot sustain monthly placements. I assume equity funds are risky but could generate the highest returns. If you let your 50K stay in the UITF for 3 years or so, you would likely see the gains. Of course remember too that the more money you invest, the more it will grow. 🙂 God bless!

16. You’re great Miss Fehl! Thank you for sharing your knowledge.
    I’m 3rd yr college student today wanting to open EIP UITF.
    Do I need to enroll my savings account online to monitor my income/losses in UITF?

    Thank you! 😀

    • Hi Alex! My pleasure. Yes, you need to enroll BDO online banking and enroll you UITF in it to view and monitor your gains/losses and your whole UITF account. BDO online banking gives a lot of excellent and helpful features 🙂

17. Hi ms. Fhel,
    I am pretty much nowadays interested iinvesting in a UITF. I just need a few questions to be answered clearly.
    1. I would like to open for an Equity Fund in BDO with the amount of 100,000 pesos, and I will let it stay for about 5 years, how much would my money gain? Just give me numbers, educated assumption?
    2. If I still have let’s say another 100,000 pesos after the next year since I opened on Equity Fund, can I still add it through?
    3. For not redeeming my investment, does the amount gained by my money be added to it and continously gain through years?

    Thanks if you and I’d be happy if you send me a reply.

    • Hi Randy. Equity Funds are for aggressive investors. If you decided to open it, you must be aware of the big risks involved. But since you will open in BDO, it’s performing very well. I think there is nothing to worry too much.
      1. 100,000 in my assumption would become around 250,000 after 5 years. Of course that is only my assumption, it could be more or less. No one can really predict outcome. But assuming you invested 100,000 on Nov. 2,2009 and you redeem on Nov. 3, 2014, 100,000 became 172,874.72 according to BDO yield calculator
      2. You can add up to UITf if you choose EIP (Easy Investment Plan)
      3. Yes if you opened EIP

18. Hey there Fehl,

    Have been reading in your blog a lot recently and wanted to ask your opinion.
    I can probably set aside a minimum amount of 10K per month.

    Is it better to put all 10K per month for Peso Cost Averaging?
    Or make 2 separate accounts for 5K Each per month?

    I always keep reading about diversifiying and thought 5K per month for PCA for
    2 different accounts might be better?

    • Hi EM! Thank you for reading. I would say, 5K each since that’s the one I personally do 🙂 5K/month to Mutual Fund and 5K/month to UITF

19. What are the possible risks involved? If I invest in equity, let’s say 10k per month, is it possible that after 2 years I could lose part or even all the money I invested? I really want to start investing but I’m afraid to lose my hard-earned money. Maybe balanced fund na lang siguro muna? If you don’t mind me asking, kamusta yung sa equity mo? Thanks! 🙂

    • Hi Bry! The risks involved are mainly from equities since around 95% of this fund are allocated on equities and the rest on short term deposits. If the market is down, it would affect your fund coz a large portion of it are involved on stocks. In that case, you may lose some but you won’t lose everything. Maybe that’s what lots of people are afraid of. If you’re into Equity Funds you should know by now the ups and down of the stock market. You must not panic when you see losses coz market would recover eventually. 🙂 If you’re into Equity Funds, invest them for 3 years or so.

      My Equity Fund is doing great. Although I saw losses on Sept and Oct but it climbed back again this November. Seeing positive results 🙂 No loss at all.

20. Hi Ms. Fehl,

    It’s me again, Jeff your avid reader 🙂

    I came across this thread UITF and would like to make an inquiry to clear my doubts. :”>

    Ok, let’s say for instance I am going to open an account with BDO in which will be used for UITF.

    I believe in long term investments and the Cost Averaging method, so therefore what I’m thinking right now is that instead of investing for example P240,000 in lump sum, I will just tell the bank to auto debit my account for P10,000 monthly, so obviously, it would take 24months before the intended amount for UITF will be maximized or reached.

    Now here comes the 24th month, but however, I don’t have yet plans of redeeming my returns and let it stay for another hmmmm… maybe 3 more years without refunding it, meaning hanggang doon lang talaga ako sa P240,000. My concerns are:

    a) will that be possible and ideal?
    b) will it still gain interest for letting it stay there without refunding it?
    c) or should I opt to redeem it after the 24th month since letting it stay there for another 3 yrs won’t gain me anything?

    Looking forward to your response. 🙂

    Thank you.

    • Hi Jeff. Always happy to see you visit 🙂

      a. Yes, it’s very possible. You don’t have a contract when to stop and when to redeem. You’re in control when will you do it. 🙂
      b. Yes, as long as your funds are invested in your UITF, they are still actively performing.
      c. It’s up to you. But I suggest let them stay there for more years because the more years you invest, the more profit you will earn. If you don’t need them badly, why get them 🙂

      You’re always welcome! 🙂

      • Thanks for the quick response, as always 🙂

        Godspeed

21. hi Fehl
    Maganda bang mag invest sa generali Philippines equity insurance ? BDO din ba ang accredited bank nito? Pls. share your knowledge in this matter. tnks

22. hi ms. fehl. i’m very enlightened regarding investments by reading your blog. i am thinking of where should i put my investment money. what can you advise? i am an ofw for 20 years almost and this time I decided to stay here in the Philippines for good. thanks in advance.

    • I suggest you start by either having Mutual Funds or UITF because they are must-have 🙂

23. Hi Ms. Fehl, what are cons of investing in a uitf? thanks!

    • Just the risks involved

24. Hello po, i am a 4th year college student, pwede po ba akong mag invest na?
    Kapag po lump sum, magkano minimum na iinvest sa isang bagsakan?
    And yung po sa monthly, what if di po ako nakabigay nung next month ng 5k? What will happen po? Ano po yung mga possible risks?

    • Yes, your mom can open in-trust account for you since you are still a minor and she can transfer it under your name when you reached 18. It depends upon the type of UITF you want. Each fund has their own minimum requirement

25. Hi! Thank u for ur article, its reaaly a good help for everybody to invest their money.
    My question is if i invest 10000 to uitf, do i need to pay 10000 monthly? Or 10000 is enough,or its up to me to add money to my investment funds? Sorry im new here

    • Hi 🙂 There are 2 types of UITFs: regular UITF and those under EIP. For regular UITF, you can invest a lump-sum amount or single placement (example 50K single placement). For EIP, you can invest monthly or periodically (example 10K every month)

26. Good morning Ms.Fehl,
    Napaka-helpful po ng article nyo. May ilan po akong katanungan 🙂
    I decided to invest in BDO UITF Equity Fund since EIP Equity Fund requires a savings account which I don’t have. Ito po:
    1. Can I redeem my UITF in any branch? Or only to branch where I opened my UITF? Panu pag nagclose yung branch?
    2. Is partial redemption allowed? Or a portion of my fund redemption allowed? If hindi, so automatic na i-terminate na yung UITF account ko?
    3. Let say I invested 10k, pwede ko bang dagdagan ng another 10k yung initial kong 10k? Para maging 20k na ang initial ko? Or di allowed wherein iko-close nila yung nauna then redeem ko lahat then open another w/ inital of 20k?
    4. Allowed po ba ang shifting of UITF type? Let say from Equity Fund to Peso Balanced?
    5. Panu po ba yung cost averaging method?
    6. Early redemption fee (below holding period withdrawal) lang po ba ang magiging reason para di mo makuha ng buo yung invested amount? i.e., yung 10k naging 13k in 2mos, ma-reredeem ko ba yung buong 13k?
    7. Tuwing kelan po ba ang declaration of dividends?
    8. Ito pong NAVPU? nagcompute ako on my own pero di tally sa data based on their website. pa-help po. Is NAVPU a peso value?

    Salamat po..

    • 1. I think basta you have the COP and valid IDs, you can redeem to any BDO
      2. Partial redemption is allowed if you are enrolled under BDO Easy Redemption Plan
      3. Yes, if your UITF is under Easy Investment Plan
      4. They are different accounts. If you want to switch, just close the other and create the new one you desire
      5. You can find our post entitled “What is Peso cost Averaging and How does it Work?” here: https://philpad.com/stock-market-tutorials-philippines-complete-guide/
      6. You have to pay early redemption fee if you redeem before the required period. There may also be chances that you cannot get the whole invested amount when the NAVPU is low and the result is a loss in your account.
      7. UITF doesn’t give dividends
      8. NAVPU is net value, all things are already been deducted like taxes, commission etc.

      • Salamat po Ms.Fehl sa reply.
        Last week finally nakapag-open na ako ng UITF sa BDO, pumunta ako na ang talagang plano kung buksan ay Equity Fund, pero nagsuggest yung banker na “Sir, mas okay po ang SDF o Sustainable Dividend Fund ngayun, pataas at di ganun kalaki ang movements”. May pinakita pa siyang graph na pataas. Ano pong masasabi nyo sa SDF? Bago lang kasi ito which started last year. As per banker, halos same lang naman sa EF (minimum amt, risky, stocks, holding period, etc) pero di ako mapalagay kasi di ako ganun ka sure sa SDF. Kung titignan din ang BDO site, walang daily NAVPU records, unlike sa EF, PBF, GSF, PFIF. Tanong ko din po kung panu ko malalaman ang no.of units owned ko, receipt and customer’s copy lang kasi ang binigay. Wala bang ibang way to know it daily aside from calling them? Makukuha ko po pala COP ko this week. Regarding po sa Peso cost averaging, diba BDO na po ang bahala dun? Balak ko kasi balikan ko na lang ito in a year then saka ko tignan. Mali po ba ko dun? Kapag po ba hindi EIP, required pa din magkaroon ng savings acct or credit card sa BDO? nakita ko kasi sa back portion ng form to tick check. Kaya nga ako hindi nag EIP kasi yoko magmaintain ng savings acct sa kanila. Sensya na po sa daming tanong, ito lang kasi ang para sa akin ang reliable na forum to ask these things. Advance thanks po.

        • Hi Soijin! Congrats to your new investment! BDO Sustainable Dividend Fund is also Equity Fund. It is for aggressive types of investors. If you want to invest for 3 years or so, this fund is for you. This is one of their new UITFs. The NAVPUs are also available. I don’t know why you cant see them? I will make a separate review about this UITF here soon to talk about it more.

          You will see the number of units you have invested at your COP or at your BDO Online Banking account. Yes, your account and its performance can also be seen in your online banking account. I suggest you open and enroll one.

          Yes, if your UITF is EIP, you need an existing bank account coz that will be your source account where they will get your periodic placements.

          • Hi Ms. Fehl, thanks po sa reply..
            Di ko makita sa BDO site yung historical NAVPU ni SDF, pag kini-click ko.. yung historical NAVPU ni EF ang lumalabas (upper right side), https://www.bdo.com.ph/business/navpu-history/bdo-equity-fund. Ganun ba talaga kasi under ni EF si SDF?

            Magkakaroon po ba ako ng account online to check my UITF-SDF? Gusto ko po kasi makita yung mismong monetary value earned (or loss) on daily basis based sa daily NAVPU. Wala po akong existing na any type of account sa BDO. Panu po ba?

            Di na po ba magbabago ang no.of units owned ko based sa COP? Di po ba bibili kapag mababa ang price then bebenta pag mahal ang price? So possible na lumaki o lumiit ang shares owned ko from date of investment to date ot redemption?

            Salamat po ulet..

          • This is the link for the NAVPU of Sustainable Dividend Fund http://www.uitf.com.ph/daily_navpu.php?bank_id=6#gsc.tab=0

            yes, you need to open BDO Online banking account before you can enroll your UITF online

            Pwede if you open BDO EIP

27. SInce market is down or is going down at the moment, it would be best time to buy uitf, Question is WHEN. but since continues ang pagbaba , indicates may mas cheaper pang units in the couple of days or weeks ahead, so in this case it is wise to wait din. forecast would be a couple of 1-2 weeks bago magsimulang umakyat akyat …if so you are after short 3-4 months time this is the best strategy so far…for people who do re-investing kaci this is likely the wise way… i have checked since august na ang pagbaba ng stock market… and sa lahat ng nainvest ko almost 11k na ang nawawala… so i need corrections which i will make 1-2 weeks from now kasi yun nga, tuloy tuloy pa rin ang kaltas ng market value ng units… have to wait until its cook…or in the case of long term…i just don’t mind the news …hehe and just wait 3 years… but what you will miss is the chance to earn even more from such a cautious time…kahit tingi iiinvest ko pagumakyat na ang stock market…pangdagdag din… suggest ko sa lahat kahit hindi palagi or hindi nachechek ang finance world… d-load BPI app in apple or android.. everyday may interesting news sila parang summary ng nangyari for the week.. and mga market updates…

    • Thanks for the insights 🙂

28. I am planning to place another 10k in UITF but my current location is far from the BDO branch I initially put my account. Can I just proceed to another BDO branch that is nearer my place?

29. Hello,

    I am interested in opening a BDO Equity fund, but I need more information with the product Unfortunately yung napuntahan kong branche walang masyadong mabigay na information at take note punta daw ako sa main brunch ? natanung ko tuloy iba iba ba ang inoofer per branch? baket po hindi alam ng lahat ng taga BDO yung product nila 🙂 sorry po nagtataka lng ako hehehe… Let say I will invest 60K for five years panu kikita yung money ko within 5 years? hindi ba ko pwedeng magwidraw within 5 years?

    Thanks,

    • It’s because not everyone in the bank knows about UITF. There are only few Trust employees who can entertain about UITF. It would be better if you approach the bank manager directly or look for a Trust representative. Equity Funds will give you much much money if you will place them for 7 years or so. One-time investment of 60K won’t give as much compared to putting 60K and adding 5K monthly up to 7 years. Personally, I prefer 5K monthly and just have it for long term and invest directly in the stock market on the side. 🙂

30. Hi Fehl,

    Just want to ask if you already have experienced redeeming some portion of your investment on BDO UITF Equity Fund. Can this be done online? In BPI, they have this redeem button that you can just click on it and then you’ll have the amount credited to your settlement account. My only worry on investing on BDO Equity Fund is that you have to show up to them in order for you to redeem your investment. I’m not sure why won’t they just comply on how BPI does their redemption process. It seems like this is about the “Estate tax” that are mandatory for the beneficiaries of the investors of mutual funds and UITF just in case the investor dies. If the process of redemption can be done online, then the beneficiaries can avoid the hassle of paying the estate tax and paper works (given that your beneficiaries know your online account credentials). This is one of the factor that makes me not want to invest to BDO. I’m not so sure If I’m right with this one. Hope you could share some of your knowledge on this.

    • Hi Fifi. I never redeemed any from my investments yet coz they are for long term. Yes, BDO has no redeem button on their online banking feature yet for UITF. PNB and BPI have that feature already. I think BDO will only allow that feature once they have the UITF account opening feature online which will be soon I think. If not, they will be left behind for this. BDO has Easy Redemption plan however which is a type of Investment plan where funds will be automatically redeemed during the scheduled and given period. I agree with you about the beneficiaries claim in case the investor died. There are many documents required before the beneficiaries could claim the money left by the deceased.

31. Ms fhel, if for example i plan to invest an amount of 100thou in equity for 10yrs. Ok lng ba to make it 20thou per certificate or mas mganda kung 10th o 50thou per certificate? Meron bang difference? May nabasa kasi ako na kung mangangailngan ka ng money, pwedeng konti konti lng ang iwithdraw instead of taking the entire amount. Will there be any other issues?

    How do we get updates once weve started investing?

    • The COP (certificate) doesn’t matter. It’s the units you have purchased 🙂 Because in the end, your profit will be based on Net Asset Value per Unit. you’ll see the performance of your funds via online banking. Read our other post about “How to Monitor BDO UITF account Online”

      • Thanks mam!

32. Hi ms fehl,

    Thank you for answering my question. I would just like to ask if you have any idea of BDO will be providing the dividend shares to the investors of bdo sustainable dividens fund. I tried to ask kasi po sa bank di rin nila masagot po.

    Thank you.

    Mae

    • UITF doesn’t give dividends. They only use that name because the stocks involved produces dividends

33. Hi maam Fehl,
    i really love reading your blog, your recommendations, comments, and suggestions are all appreciated especially for a beginner like me.
    In my previous post you suggest that i have the option to try the UITF since i cant find a branch of sun life near me to invest for Mutual Fund.
    Then i immediately search about UITF,luckily you have also this blog.
    My quetions are;
    1. Is it necessary to have an savings account at BDO?
    i have account before, but i decided to close it because of some reasons.
    2.What if i already have 10,000, can i automatically apply for UITF equity EIP? provided that i have already those requirements like valid ID’s,TIN number and picture.
    it’s a little bit confusing about 1thousand, 1thousand kasi until you reach the 10K.
    3.If ever i intend not to withdraw my investment up to 5 years, with that 10k investment do you have an idea how much it will goes i 5 years? or is it depending on NAVPU?

    Thanks.. god bless!

    • Hi John! Nice to see you here again. 1. You don’t need SA account if you will open a regular UITF. But you’ll need savings or checking account if you will be opening EIP UITF.
      2. Yes, UITF Equity Fund minimum right now is 10K although I suggest you enroll EIP UITF in Equity and place money every month so that your funds will grow more.
      3. A lump-sum of 10K wont give you so much money. Yes, they always base on NAVPU on the date of redemption
      Read our UITF posts here so you can see the samples I’ve provided to give you idea. God bless!

34. Hi po 🙂

    I started investing in UITF in my bdo savings branch, and I am just a bit confused

    1. I believe in peso cost averaging and akala ko po once I invested 10k e.g peso balanced fund I can continue investing sa account na yun but one of bdo rep d ndw po pwede dagdagan? is it true?
    2. If I enroll in EIP? minimum of 2k per mo? I thought its 1k per mo pwede na
    3. and panu po nagfunction un EIP sa peso cost averaging tama po ba yun understanding ko e.g 1k
    per mo sa pang 10th month ko that the time they will invest my money then I will continue for another 10 mos then the same they will invest my money or what specific timeline is best to follow.

    thanks

    • Hi there. Perhaps you invested a regular UITF instead of EIP UITF. In EIP, you will be placing funds regularly and periodically according to the date you have chosen in the EIP application form (eg: 10th, 15th, 30th of the month). IN EIP, you will also need an existing source fund like your ATM, savings account etc. because that is where they will be getting funds every month to place on your EIP UITF.
      2 & 3. Yes, the minimum in EIP per month is 1k but your UITF will roll only once you reached the required minimum (example 10K to Equity Fund). Since the min. requirement for Equity Fund is 10K, you need 10 months to have the 10K (if you chose 1k/month). If you chose to invest 5K/ month, in 2 months, you will have COP.

35. Hi ms fehl,

    Is it possible to open BDO sustainable dividend fund even if the person do not have a BDO savings account? Also, will the bdo sustainable dividend fund provide dividend shares to investors?

    Thank you.
    Regards,
    Mae

    • Yes, if you are opening a regular UITF. But if you’re opening EIP UITF, you need existing account

36. Hi ms. Fhel. I browsed through bdo investment website and it mentions 3 types of equity funds namely efcib, focused and sustainable. I plan to start investing asap pero i got confused kung anong mas ok sa tatlo. Pls advise.

    • They are all Equity Funds so they are great investments in terms of earning potential. In terms of risk, they are all risky but if you ask me to rank them according to risk (3 is riskiest), I’d say 1. Sustainable, 2. Focused, and 3. BDO Equity Fund. Sustainable Equity Fund is invested primarily on dividends producing stocks so you’re quite aware your investments participate to big corporations already. Focused Equity Fund is actively managed fund, your investments are focused on great performance of exchange-listed stocks. BDO Equity Fund has been there all along and for the record, it’s still performing very well. If I’would invest for the first time to BDO EF, I’d choose Sustainable Dividend Equity Fund 🙂

      • Thanks for the info. Will get started asap.

37. Hello Ms. Fehl,

    How was your experience on Equity Fund? Did your money grow? Thanks. I’m really torn between choosing Equity or Balanced Fund.

    • So far it’s good. I chose the EIP in BDO because I want to add funds regularly and I plan to maintain it in 5 years. I’m seeing earnings every month. So far it’s 4500 gain LOL not bad considering I just put the money there without trading or anything technical

      • I’m planning to open EIP tomorrow and I will choose Equity Fund. Do you think it’s a good time to open now? Or is it a bad timing? Thanks, sorry medyo matanong ako. Nainspire lang ako sa blog mo 😀

        • Yes, it’s always good to open investment now than tomorrow or the next day. Time is money.

38. Hi Fel,

    Good day! Thank you for this blog, it gave me an overview on how to invest in UITF in BDO. Though I have few inquiries, here’s my profile: I’m OFW and I have an existing account in one of the BDO branches in Manila.

    1. Should I open another account exclusive for UITF on same branch or different branch?
    2. Can I just deposit 10K initially instead of monthly investing of 1K in EIP to have the said certification?
    3. Then can I just deposit monthly of 5k or 10k per month in the period of 5 years as an additional amount from my initial investment of 10k?

    Thank you and God bless!

    • Hi there! UITF account is different and separate from savings account so yes, you need to open UITF account separately. You can open in another branch or same branch your choice if it’s one-time investing. If it’s EIP product, you need to have a bank account where BDO will debit (ADA) your funds periodically to place on the UITF. The COC wil be issued once the UITF EIP reached the required fund (example 10K). For every 10K, you will be issued COC. If you want additional amount, update your UITF by going to the BDO branch

39. Hi fehl,
    Im OFW. I will be home this coming december i would like to invest my 2k$ to UITF. Papalitan q po ba money ko to peso?

    Tnx fehl

    • If you chose UITF product in Dollar, your investment will be in dollar.

40. Hi Fehl,

    I would like to thanks for establishing your very informative blog. I am also an ofw, and trying to get info as much as I could before getting my first portfolio on the diversified investment. I am planning to start asap when on vacation. I will also include my 3 kids. My eldest is on 15, second 12 and my youngest is 11. Is it possible to open with their on savings account together with BDO EIP for 1k each then 1k each per month on auto debit for let say until a certain years. And just let them to grow. And when it reaches to min of 10k, is it authomaticaly goes to BDO UITF? Or do I have upgrade to UITF? In BDO, BPI, PNB or PHILAM, do they have a portfolio that offers a Compounding Interest? If there is, is that a conservative or passive type of investment. Nice to hear. Thanks and God Bless…

    • Hi Edgar! thank you for the kind words here. Yes, you can open In Trust account for your kids. Just tell the banker you will open In Trust account for them. Yes, for EIP, if the minimum requirement is 10K and your funds reached 10K, it will roll as regular UITF and you will be issued COP every time 🙂 No need to upgrade coz they are already UITF then. Compounding interest is very broad, these investments grow in value over time through capital appreciation and income incurred from other securities . There are risks but you’ll see profit in the long run

41. Hi, Currently I’m here in abroad? It is possible to open thru online banking?

    • It’s possible thru PNB. BDO has no UITF online opening feature yet

42. Hi miss fhel…feel so lucky i found ur blog. Upon reading i have learned a lot..like ko rin invest Bdo EIP but when i inquire about the eip they offered na dissapoint ako and felt so frustrated kc hindi na sagot ng teller ang tanong ko at hindi yun ang inaasahan ko..mas mganda pa explanation mo kesa sa teller na npagtanungan ko..i guess hindi lahat ng teller alam ito or depende cguro sa branch i dont know..anyways thanks..ask ko lang if free ba subscription sa philpad..thanks a lot

    • Hi there! Sorry about your disappointing experience with the BDO teller. You must have inquired at the Trust employee/rep. or the bank manager, the tellers don’t know much about Trust account opening. Just smile and say “hi, I want to open UITF, sino kelangan ko kausapin?”

43. Hello Ms. Fehl! 🙂 My grandma has 300k and she asked me the best way to invest it. I thought about franchising some foodcart but when i found this website i thought about mutual funds or uitf. Which of the two would be best to invest in?

    • My Aunt franchised a foodcourt but it was not successful coz she needed to pay franchise fees and train employees and submit SSS and BIR etc. It’s really hassle and too much work aside from the high cost. Mutual Funds of Sun Life are the best if you ask me and UITF in Equity Funds. if the 300K is your only money, don’t invest it all.

44. Hi Ms. Fehl,

    Great blog! I learned a lot from you, by the way, do you know BDO Sustainable Dividend Fund? Would you advice investing on it?

    Thank you! 😀

    • Hi Jonas! Thank you for the positive comment. BDO Sustainable Dividend Fund is invested in equities, fixed income securities and stocks that sustainably receive dividends. It’s risky but BDO Equity Fund is riskier.

45. Hi Ms Fehl,

    Nice blog!
    Just want to ask regarding the computation of NAVPU.
    For example I will use EIP as my strategy in building my UITF.
    Lets say I put 5k for the first month. And another 5k for the next month.
    So, at the end of the 2nd month, I already accumulated 10k.
    Does it also mean that the NAVPU to be used is the NAVPU at the end of the 2nd month?
    Or they will avarage the NAVPU on the 1st month and the NAVPU on the 2nd month? Please advise.
    Thank you!

    Regards,
    Kristel

    • I think it will start when you reached the required 10K because it’s when your fund rolled out as a regular UITF. Then the rest and following 5Ks in teh future will use the averaging method coz you already have UITF.

46. Hi Ms. Fhel, its such a good thing we have this kind of blog and what you are sharing to us is a stepping stone to our success in life. I just want to ask why NAVPU on different banks differ in amount? BDO have 400+, BPI 100+, PNB 1+. What’s the difference with the number? Is this the price per share? Thanks

    • They differ in price coz they differ in everything – funds, investments, strategy, performance

      The higher the NAVPU, the expensive the unit is and the faster the growth and movement of the price/unit. It could also result to higher profit or loss. Take this example: Assuming you have P50,000, based from those NAVPUs you have mentioned, you can buy:

      BDO = 125 units
      BPI = 500 units
      PNB = 50,000 units

      Assuming after 3 years, NAVPUs became: BDO 480, BPI 150, PNB 1.60. Your fund will be:

      BDO = 60,000
      BPI = 75,000
      PNB = 80,000

      Those are just assumptions and you can already see how much profit you would expect using low vz high NAVPUs. Check out the chart of every UITF and try your calculator basing on the Yield / Growth per year, 3 years, and 5 years

47. Hello ms. Fhel. Thank you very much for answering all my queries.
    May I share with you the following May 2014 YTD 5-Year Gain of banks taken from pinoymoneytalk:
    @ UCPB – 28.66%
    @ BPI – 16.80%
    @ BDO – 24.16%
    @ MBTC – 23.27%
    @ AB CAPITAL – 25.83%
    @ PNB – 10.66%
    @ UNIONBANK – 39.83%
    Based on above figures, Union Bank has the highest yield. Does it mean it is best to invest our money with them?

    • Those historical values are just guides and there is always no guarantee they will give you the highest profit or will remain like that in the coming years. Equity Funds are majority invested in stocks so these funds are really volatile in nature, very unpredictable. The smartest move you could do is invest long term to gain more. Yes, long term from one of the first 5 best performing funds from that data you gathered. Choose wisely 🙂

48. Hello ms. Fhel. That is so flattering. Thank you. :-). Your wisdom is one of a kind. 🙂
    Ms. Fhel, i went to BPI and BDO last monday, the way they compute their roi is different. In BPI, it is based on averaging method, but in BDO, it is based on getting the sum of units purchased on every contribution then multiply it with the selling date’s navpu. Is it really like that ms. Fhel?

    • Hey we all have that wisdom 🙂 We just need to be reminded more 🙂 The Averaging Method is usually used to Investment Plans. BDO uses it too on their BDO Easy Investment Plan UITF (aka EIP). Cost Averaging Method is widely applied in some Stock Market strategies too. It’s way safer and wiser. There are specific products that use that method.

49. Ms. Fehl,
    We have BDO joint account with my wife. It ok to open BDO Equity Fund (EIP)for my son only 13yrs old. in BDO. and auto debt to our account? what are the requirement?
    We are here working abroad with my family and we want also to Open and Mutual Fund for me and my wife it PHILEQUITY you can recommend?
    Thanks
    johnson

50. Hi ms. Fhel. I checked the navpus of other banks. As of june 23, navpu was 145 for bpi, 2.7 for metrobank and 410 for bdo. When you invest, are you also looking at the navpu? is it right to invest in a company with lower navpu?

    • Hi Lei, you have very smart questions. 🙂 NAVPU are different because the UITFs themselves are different. They represent many different investments and stock participation. It doesn’t mean though that lower NAVPU is not performing better. When you invest, are you also looking at the navpu? is it right to invest in a company with lower navpu? When I invest, I don’t prefer to look at the price per unit, but at the performance of the fund. See the chart if NAVPUs movement goes up faster. In short, I’m looking for the GROWTH of the fund not the price per se. This is an interesting discussion I’d like to discuss more about it so I will put a post about it and post real time samples and figures. Hope to see you there. 🙂

51. Hello ms. Fhel. That is very kind of you to share your insights and answer all our queries. You are really a blessing to all of us. I have another question ms. Fhel, isn’t it roi formula is ( navpu on selling date – navpu on contribution date) / navpu on contribution date? What if im planning to contribute 2k starting june 30 (2k twice a month), my navpu on contribution date will be based on my first contribution which is june 30 and not on the date when i will reach the minimun investment of 10k which is on aug 30? Thank you. 🙂

    • Yes for Easy Investment Plan, they used to compute ROI based on Average NAVPU when it reached 10K requirement but looking at my BDO Equity Fund Portfolio, after the 10K placement, they now compute it based from the NAVPU for every 2K placement. Meaning, all the 2K placements will reflect on the report of gains/losses. You would get my point if you register an Online Banking account and Enroll your UITF with it

52. Hello ms. Fhel. Thank you very much for sharing your knowledge and experience in uitf. Im planning to invest also. May i know when is the right time to invest? Someone told me that i should wait for a lower NAVPU. But i noticed it is going up everyday. Hope you can help me with this. Thank you and Godbless.

    • Time is money so the earlier you invest, the more you will earn. Yes,NAVPUs go up and up and sometimes down but definitely will go up again. In the Philippines, NAVPU goes down when there are typhoons or after typhoons. September is always a good period for me to buy shares or units. That’s my personal view anyway coz it has always been a catastrophic period. Things always recover after that

53. Hi! I just placed 100K for Equity Fund at BDO and they haven’t asked for any requirements. I have a checking account with them and I just issued a check for 20K last week and 80K today. I got my equity certificate for the 20K that I placed last week and the 80K certificate will be issued on Monday or Tuesday according to the bank staff.

54. Hi Ms. Fehl araw araw ako nagbabasa ng mga blogs mo araw araw din ako nagssearch about uitf kinukumpara ko sa iba pero mas gusto ko talaga ung uitf bdo equity fund..for long term like 5 to 15 years habang dito ako sa ibang bansa…kaya lang need personal appearance for apply BDO UITF baka magbakasyon nalang kmi..mag open na ako d2 ng KABAYAN SAVINGS tapos iaply ko ng EIP pagdating deduct nalang sa account ung 10k a month for UITF EQUITY FUND tama po ba..kc ayaw ko na po magtagal sa bank pag nag apply gusto ko po pagdating alam ko na po ung aaplyan ko..thank you ms.fehl sa hindi mo pag sawang magreply sa aking mga katanungan

    • Thank you for being a regular reader here. I’m always happy to see you. Yup, right now need pa personal appearance. Maybe next year they have online account opening na. If you want to open UITF in BDO when you arrive, just prepare the requirements. Come early as 9am coz you will be answering questionnaires and you will be filling up some forms. If you read our BDO UITF Requirements post, you will know what to do and what to expect. Prepare your BDO or ATM, valid IDs and 2×2 recent photo. Once your account was created, link it in your BDO Online banking so that you can monitor your UITF performance even if you’re in abroad. Make sure your chosen BDO savings account will have enough balance every now and then because that is where BDO will get funds for your EIP

55. Ask ko lang miss fehl.. im planning to invest next month s uitf ng bdo.. let’s say.. mag mmonthly ako ng 2k.. Til when ako maghuhulog ng 2k?! And when i decided to put it in bank for 10 years.. magkano na kaya ang growth nun?! Thanks much!

    • You can put up 2K monthly until you wish. If your goal is 10 years, then it’s until 10 years time. It depends upon the UITF performance and your plan. Please read my new post about BDO Easy Investment plan so you know more about the earnings. 🙂

56. Thank you Ms. Fehl..i am planning both bdo and pnb atleast i have 2 uitf in pnb maybe i choose equity fund also i check for global money market pero masyadong mababa nman para ano pa at nag invest ka db..

    • Money Market Funds are usually for conservative investors. If you want higher earnings, opt for Equity Funds but they are volatile and risky. The solution for Equity Funds is long term plan. If you want Equities and Fixed income rolled into one, I recommend a Mutual Fund called Philam Strategic Growth Fund for they have 85% Equities and 15% Fixed Income. Will talk about them soon here.

57. paano po nagpapadala ng notifications ang BDO? by mail or by email? and paano ko malalaman na UITf na account ko? is it automatic or i will go personally sa bank?

    • Right now 2014, UITF opening in BDO is done in person. They don’t have online UITF account opening yet. PNB has one. Check out our post about that if you are interested for Online UITF opening. If you will choose BDO, personal appearance is required. You will know you have the UITF already if a COP (Confirmation of Participation) was issued to you by mail or pick up thru the branch your choice.

      • Miss Fehl, I tried PNB’s UITF Calculator ad chose Allied Unit Performance Equity Fund (this is their Equity fund, right?), and entered June 2, 2014 to June 20 2014 with P100k contribution and I got the following data:

        No. of units of contribution 69,471.22
        No. of days 18 days
        Market Value 101,468.69
        Net Income 1,468.69
        Return on Investment (absolute value) 1.4687%

        Ibig bang sabihin nito na sa 100K ko, tumubo ako ng 1,468.69? Saan mapupunta ang profit ko na iyon?

        • Yes, that is a kind of Equity Fund. If you opened in PNB, usually your profits will be credited to the bank account you used when you opened the UITF or you can wish how to claim it (checque or cash or deposit). You can only get your profit when you redeem. If you don’t redeem, your funds will earn in the long run. I recommend you let your funds stay for 5 years or so so you will have more profit 🙂 Well unless you don’t need them anyway

58. Thanks Ms.fhel,

    I learnt a lot from ur site..

    • Pleasure is mine. 🙂 Check out our new posts about PNB UITF and BDO EIP

59. hi ms. fehl musta bigyan mo na nman ako idea ano maganda sa bdo uitf equity fund kc para kung mag aply na ako hindi na ako malito long term nman ako like 5 to 15 years tama nga yong iba minsan sa staff ng bank hindi sila makakapag explain sayo..thanks

    • Equity Funds are great even though they are the most risky investment in UITFs. If you will put your fund in a long term 5 to 15 years, they will surely grow. BDO has smart fund managers and I like their UITF performance. Same with PNB. BDO Equity Fund is currently around P400+ per unit while PNB is around P1+. I started BDO EF when it was only around 380+. I’m not redeeming my units even if I’m seeing earnings already. Like you, I’m planning to put them for 10 years or so. Maybe then they would be P800+ per unit. 🙂 I will post more about BDO Equity Fund here next week and provide the details about why you should invest in it. 🙂 Subscribe to us so you’ll be notified once the post is available 🙂 Cheers!

60. Hi goodafternoon,
    If i have a savings account in BDO can I use it for UITF?Like for Example I have a balance of 10k in my savings account ( because that’s the minimin amount money required for applying for EIP ) and if I will use it for EIP?is it ok?or if I use it for EIP do I still need to maintain my minimum balance required to be maintained in my savings account?are they have the same account or different accounts?

    • For EIP, you need to have enough funds in your savings account because they will get your chosen amount for EIP there every month. Example, if you choose 2K per month for EIP, they will deduct 2k in your savings account and transfer them in your UITF. You need to have enough balance in your savings account so you will never have a problem. Your EIP UITF will never stop getting funds from your SA until you told BDO or until you redeem.

      • Thanks for the reply much appreciated…another question if I have 10k on my savings account can I already use it for BDO UITF?

        • It depends what UITF type you will choose?

      • Miss Fehl, regarding dito, BDO will automatically deducts 10k from my Savings then transfer to my UITF di ba, magkano kaya ang charge nila dito? and if my monthly EIP is 5K, how much rin ang charge?

        Thanks agin and again and again ^_^

        • If you chose 5K monthly, yes they will deduct 5K monthly from your account and put 5K to your UITF. Your UITF will grow and grow in the long run. Make sure your bank account has funds though coz they will deduct 5K every month until you wish to redeem your UITF. You’re not losing money coz they are transferring them in your UITF. There are small fees like redemption fees and a trust fees (0.50 – 1% per annum) but hey they are only small. 🙂 You will see the fees in the Investment Policy Statement you will sign in

61. I am curious why there seems to be no mention of fees with these plans. Yet BDO is giving away gifts like iPads. Hmmmmmm. How can they do this? When I invest 1,000 pesos, how much of that is actually invested in the fund, and how are fees tallied?

    • There are minimum fund requirements for every UITF. For EIP (Easy Investment Plan) the minimum is P10,000. If you will choose to invest 1000 every month for example, you need to wait for your fund to reach 10K to let it officially be participating in the fund. They were giving away ipads and some raffles to market many people to join their UITF products. Of course, banks earn money when people invest or use their service. If you watched the movie “The Wolf of Wall Street” you’d know how brokers and some banks earn millions just buy letting people invest with their company. 🙂

62. Hiya! I forgot to ask, soon youll be posting UITF online application and will be able to apply on it, as I mentioned earlier im an OFW and a resident here using brit passport, am I eligible to apply? Or should I apply for phil passport first then invest? Im a bit confused, any idea? Thanks a lot.xxxxx

    • You can apply if you have an active bank account in the Philippines

63. Wow impressive, a quick response thank you. It happens that your website helps me educate myself with regards to investment – what funds suits me, where to invest and stuff like that…As you are using BDO I think I would use too as it performs well on equity from previous years and hopefully carry on in the future.As of now im on Metrobank and just sitting my money there with a bit of interest earned for couple of years , I would say what a waste of time really!! With regards to metrobank Im thinking of putting 200K LS on balance fund for 5 years and open an OFW account in BDO then apply for EIP (PCO) continious for 10 years( like yours?) . I quite like the idea of investing LS on BDOEQUITY for 5 years and see which of them gave me more profit or loss.. ewww!!, finger cross hope always profit! Also as I checked bloomberg as of march PNB high dividend equity performs well so I might apply one as well. You see I have so many plan but icant do it coz of being here in abroad, using UITF online application is a big help esp OFW’s who wants to invest and explore into the world of stock market…Lastly , thanks for encouraging us and giving us tips you are superb!!! Well done sissy…BRAVO!!!

    • My pleasure 🙂 Great news from PNB, they are giving away prizes for new UITF online banking account holders starting May 15. I will mention more about it in my article which I will post this week. Sorry I was away from home so I’m only making posts now 🙂

64. hi there, thank you for sharing all your ideas and tips online it helps a lot esp when it comes to money matters…thumbs up!!! By the way im an OFW and really interested on investing my hard earned money after i read about MF and UITF. I cant wait to open mine soon..actually its my fisrt plan to go to the bank once i set foot on my beloved province of ilocos( naks ha!)… anyway just wondering which one performs best or which one accumulate more profit if invested in 3-5 years… peso cost averaging(PCO) or lump sum (LS) investment? thanks and keep up the good work .god bless. xxx

    • Hey there! 🙂 Thank you for reading my articles about Money matters 🙂 I will post about UITF Online application soon. Finally, there is no need to be in the Philippines to open UITF. I will be going to Cebu and Leyte this week so I will post the article when I get back. Subscribe to us so that you won’t miss the post about UITF Online application 🙂

      Regarding your questions, PCA is good as to safe zone and risk because it’s about averaging. When it comes to profit, assuming the economy is very good when you will redeem and assuming you have invested in the good Fund, of course lump sum way would profit more since your whole fund will be based on the NAVPU on the day of redemption.

65. Hi Ma’am Marifel.
    Sabi ng accountant ng BDO nung nagplace ako sa UITF thru EIP, di ko na raw pde palitan yung specified amount na i-auto debit sa SA ko. Hindi ko ba pde taasan yung ipapabawas ko para tumaas ung investment ko?
    Paano po ung computation ng income thru EIP? for example, every 25th ung auto debit, say April 25, meron na ba ako units na pde kumita? May 25, June 25…may units ba ako ulit o evry time n may COP lng?

    • It seemed that if you want to change anything from your EIP, you can make changes by filling out EIP Application Form again. As you notice, there is an option these about CHANGE REQUEST. I figured it included update to funds too so I’m not very sure. If you wanna be sure, go ask the bank manager of BDO not a teller. See Application Form here: https://www.bdo.com.ph/sites/default/files/pdf/EIP_ApplicationForm.pdf I hope we can make updates coz it would be amazing if we can 🙂

      The computation of income and losses are based on the NAVPU. Every time the market value of your investment reaches at least Php 10,000.00 on a contribution date, your investment will be issued a Confirmation of Participation (COP) and income/losses will be computed. YOu can monitor your income/losses via ONLINE BANKING. We have a post here how to do that. See related articles above. It is easy and you really can view your Trust Fund account performance in real time. 🙂

66. hi. ask ko lang kung ano pwedeng proof na nbawas or na deduct na ang 1k pra sa EIP? yun na lang kasi ang concern ko rh. thank you.

    • It depends on what account you use for EIP for the Automatic Debit Arrangement.. If you use your savings account or ATM account, check your bank statement. It will reflect there..See the Debited amount every month

67. Hi everyone,

    Is it true that in case I’ll invest in UITF, is this being worked by fund manager? Or i have to do it on my own, not to rely on fund manager?

    Thanks!

    • UITF and Mutual Funds have experts and you don’t need to decide or strategize on how to invest them. What you need to do is choose which funds you will be joining. You must also know the risks…

68. Hi Ms.Fehl! I just read this post and become very interested in EIP that I want to open ASAP in my nearest branch. I can say that I am an aggresive type because I want to save but I want my money to grow. Let’s say, I’ll start investing in EIP 10k on Monday, will they give the COP right away? If I saw that I am earning, can I add more? I’m thinking of 3-5 years as well but I’m just a first timer. What would you recommend and how can I buy shares? (You will save the future of my 13th month pay. Hehehe) Thank you soo much. 🙂

69. Thanks for this Ms. Fehl! this is very helpful! tanong lang po, as of posting, would you recommend na this year would be a good time to start investing in bdo equity fund given the current market trend? also, are you familiar with shariah-compliant stocks? are they earning less or more? i am an ofw in saudi and i am considering investing in saudi arabia al rajhi bank equity fund since matagal pa uwi ko sa pinas.. salamat po sa advice..

    • Hi there Lemon. I always recommend investing asap because time is money. The earlier you invest, the more your fund will grow. I recommend EIP (Easy Investment Plan) because in the long run you can have earnings although Equity Fund is very risky. Investing in BDO and other banks like Metrobank, BPI and PNB is helpful because they have experienced fund managers who are experts already to make your fund grow. With EIP, there’s not much to be scared of 🙂

      If you wanna invest in Saudi, I suggest you get to know the bank first. How long has it been banking? What kind of company is it? Check their Income Statement and Assets and Liabilities. Most importantly, check their holding companies and check their performance in Bloomberg. It’s free 🙂

70. Ms. Marifel, I just want to ask if I can add fund to my existing COP. Thanx for the response in advance.

    • You can always make some updates with your fund by going to the bank and update it. 🙂

71. Why there’s no LIKE button here? hahaha! I have been reading so many blogs about investing Miss Fhel but I can honestly say na this blog of yours really caught my attention (proof is, 5-6 tabs are open coz a new window opens up on every link I clicked 😀 ).

    Seriously, me and my hubby are OFWs and we have a Savings Accnt in BDO. Since we only got a P20 interest (minus P4 held) sa savings na ito, I am contemplating on putting it on a Time Deposit since that saving is just sitting in the bank. But upon reading about MF and the likes, i thought this investment is somewhat better. But we’re both outside of the country so I can’t do the investment this time.

    Can you further elaborate for us, first-timers, on how to go about it? I mean, examples in a layman’s term and sample amount to give us an idea about this. Or some link to read on how this kind of investment works. Para by the time makapagbakasyon kami this June, eh alam ko na ang gagawin ko.

    Salamat… salamat ng maraming marami

    • Hi Shinel 🙂 Happy New Year! Thank you for your warm compliments about my posts. There are share buttons like Facebook, Google Plus, Pinterest here and I’m happy whenever someone liked or shared this page. Seeing likes and comments like yours boosts me to write more. 🙂

      I used to rely on Time Deposits but when I learned about Mutual Funds and UITFs, I transferred some of my funds on them. Time Deposits interest rates are low. Investing with Money Market Funds and Bond Funds which are not risky will give more earnings than regular savings and Time Deposits because these investments are performing and moving unlike savings, they are just kept untouched.

      I am currently making a page about the step by step guide and easy tips for beginners in investing. In the mean time, you may read this post: How to Invest in Mutual Funds in the Philippines, make money, make millions

      • As of receiving this reply of yours sa email ko just now, I was reading your beauty tips (minimizing pores) (and about SG Jobs prior to that) and I am like, I’m asking myself: SUPERWOMAN KA BA? WALA KA BANG HINDI ALAM? Parang nakakainggit kc eh.. From money matters, to beauty tips, to working abroad, alam mo eh.. not just ALAM, you are what you are saying talaga! I am very lucky i found your FB page kagabi while looking for blogs about investing in Pinas.. So i bookmarked na agad 😀

        And your speedy reply…. wala na… hands-up na talaga ako sa iyo…
        God bless you at sana marami ka pang mstutulungang kagaya ko.

        • Hello Shinel. Just like your name your comments are like sunshine to me – they shine. 🙂 Thank you. No, I’m not superwoman. Is there such a thing? hehehe I am simply Fehl and I like sharing stuff I learned and experienced. Marami din akong di alam pero I never stop wondering and learning. Happy to share stuff here and happy to meet friends like you. Have a blessed and fantastic day! Cheers!

          BTW, I’ll update the post about minimizing pores. I forgot to include there about peel-off mask. Really works too 🙂 I will update this post too since I mentioned about SDA (Special Deposit Accounts), they don’t exist anymore.

          • Hahaha! *flattered* *blush*

          • Hi Ms Marifel. I didn’t notice it’s already almost six o’clock in the morning. I started reading your articles since 9PM. I got stuck. I am now a fan. I like your unbiased views and mentioning (yet not sole-promoting) any brand or company. I am by the way a Unit Manager of Philam Life for Investments and Insurance… and your newest fan! 🙂

          • Hi Christian! You got stuck? I hope in a good way. LOL 🙂 Thank you for the kind words here. Happy to hear someone from the Philam team here. Wow. I like your Strategic Fund and I’m looking forward to invest with it and probably write about my experience with it here too. Cheers!

72. Hi miss, I’m currently a 19 year old student and planning on investing my money saved from doing part time jobs and what can you recommend to me I’m currently studying the stock market online on some blogs and your blog, I’m interested in this equity fund because I have a savings account in bdo. Hope to hear from you soon. thanks. 🙂

    • Hi there. Right now (Dec. 2013) the economy is slightly “low” and stocks are down and equity funds are also in similar pattern. According to forecast, it’ll gonna stay for 1-2 years. For some investors, they take this opportunity to buy shares and stocks coz prices are cheap but to some, they still wanna wait.. For beginners, I recommend you study first about investing – stocks, mutual funds, trust funds and the like. Know yourself as an investor – are you conservative or aggressive. Know your source of funds and know your financial goal. After you have contemplated on those things, then you’ll know how to start.

      Equity Funds performance are not impressive (as I write this comment) so there are many unhappy investors but then again like I said for some they take this opportunity to buys shares. If you are aggressive and brave, you would also buy shares or units. For me, I have Equity Fund in BDO and still retaining it for 3-5 years but I’m waiting for another reliable forecast before the end of 2013 and maybe I’d start PNB High Dividend Equity.

    • Hi there. Right now (Dec. 2013) the economy is slightly “low” and stocks are down and equity funds are also in similar pattern. According to forecast, it’ll gonna stay for 1-2 years. For some investors, they take this opportunity to buy shares and stocks coz prices are cheap but to some, they still wanna wait.. For beginners, I recommend you study first about investing – stocks, mutual funds, trust funds and the like. Know yourself as an investor – are you conservative or aggressive. Know your source of funds and know your financial goal. After you have contemplated on those things, then you’ll know how to start.

      Equity Funds performance are not impressive (as I write this comment) so there are many unhappy investors but then again like I said for some they take this opportunity to buys shares. If you are aggressive and brave, you would also buy shares or units. For me, I have Equity Fund in BDO and still retaining it for 3-5 years but I’m waiting for another reliable forecast before the end of 2013 and maybe I’d start PNB High Dividend Equity.

73. Hi, i’ve been reading about UITFs, visiting blogs about it, some questions I just want to ask for clarification:

    1. Many recommend that in order to maximize your earnings from UITFs, you need to stay for at least 3-5 years before you encash your units, I,ve seen videos on you tube for example, that if you invest, say, Php 100,000 now, you will have at least 600-800 thousand pesos (these figures are for example only by me) after 5 years (assuming a certain percentage earned) Does it mean, your UITF is earning yearly and that earnings will be compunded?

    I am confused because as what I understand, you will only earn on your investment if you sell your units depending on the NAVPU of that day (the time you decide to sell). I understand also, that for example, the NAVPU for this year is 1.5 but you decide to sell only next year, that NAVPU will be irrelevant already because they will consider the next year’s NAVPU.

    That makes me wonder how you will earn up to 600-800 thousand pesos (again, for example) if that is the case?

    Hope you could help me on this.
    Thank you

74. Hi fehl ,

    Thank you very much for swift response on my previous question that really helps a lot. Im sorry to ask another one , If I will open a savings account in BDO then enroll on their Online Banking System and opted to participate on their UITF investment , Can I buy UITF through BDO internet banking facility on my own time ?
    I mean, I dont want to enroll on theri EIP Program as I want to do it on my own timing would these be possible?
    Can I also monitor my investment throught their Internet Banking Facilities?

    Sorry to ask a lot of question but I learned a lot from your site and way better than to talk to bank personnel.
    Thank you very much for your help

    • Hi there Len 🙂 I’m glad to see you here. I think there is no feature yet for online opening of UITF. If there was, I would have done that too 🙂 If you want easy access and easy monitoring of investment, I recommend you try buying stocks using EIP scheme thru Peso-Cost-Averaging. You won’t do it via BDO although you can use your BDO account in funding your account. You just need to open an account on your chosen Online Broker. Make sure your online broker is accredited by the Phil. Stock exchange. No worries if you are clueless, we have the complete list of accredited online brokers here in Philpad. Just browse our MONEY page and you’ll find the page. Another alternative of opening online investment is opening a Mutual Fund. I didn’t see one that allows online opening yet except BPI. You can know more about it again by going on our posts from the MONEY category.

      Have a great day and happy investing!

75. helo po ms fehl! wud lyk to ask if u have any idea regarding VUL? bcoz a friend approach me & she in investing in pru life uk & im considering it too bcoz of its insurance and investment nga, so can u pls enlighten me if im making a right choice? thanks po…

76. Would it be possible to open a BDO EIP Equity fund under two names? Like it would be a joint account? Me and my boyfriend are planning to get married after five years and would like to start saving. Thanks

    • I think it’s possible because they allow even corporations

77. Hi Fehl ,

    Im planning to apply for 2 account in BDO for my 2 son age 2 and 4 (In Trust For) . and I will use both of those account to invest into 2 different UITF , In the long run mag kaka problema po ba since ang funding is from their ITF Saving account? gusto kasi namin mag asawa na pag nag redeemed don na din babagsak sa account nila

    • Hello Len 🙂 No worries because as BDO quotes “we find ways” 🙂 I think you wont be having any problem as long as you submit the supporting docs needed for your sons account and you always update the records if needed. Yes, as investors we can receive the fund we are redeeming either as cash, manager’s check or just let it be credited to our savings or checking account. Just select the option on the Notice of Redemption Form.

78. Hi ma’am,
    question po, ngopen po kc ako ng BDO EIP Equity fund the other day, wala po ba tlga sila ibibigay sakin na any documents/client’s copy or anything? kasi ung deposit slip lang ang bnigay nila sakin dahil i also opened a new savings acct. just wondering if ok na ba ung application ko or anything.. And another question, when i reached 10k on my EIP, how will i get my COP, will they automatically send it to me or i need to follow up them about that? Pls enlighten me, thank you! 🙂

    • Hi there. They will give you the Client’s copy of the EIP Application form and COP when you reached the required amount for the fund. Every fund kasi has different minimum required amount before it’ll roll out as UITF. If you chose Equity Fund, you’ll have the COP once your fund reached 10K or more. You’ll get the COP depende sa pinili mong way. You filled it out on the application form right? It’s either personal pick up or mail. How will you know if you reached 10K – it depends how much you have chosen to put every month on your fund (example: 2K every 15th etc) Assuming you chose 2K every month, wait for 5 months. 🙂 God bless!

79. bago po ba makakuha ng stocks, mag undergo pa po ba ng seminar? how do i know all in stocks industry?

    • It doesn’t require anyone to attend seminars though those help. What an investor really needs is enough knowledge before hitting the bull. You can learn more about stocks and investing for free here at Philpad by going to the MONEY category.

80. Hi miss Fehl,
    Just a question, is the Confirmation of Participation (COP) is really important to claim to the bank when opening an investment? As I read, it will be issued when your fund reach 10K. what happen when I did not get the COP? Thanks.

    • COP is issued once your fund reached the required amount to participate in the UITF. Every UITF product has different minimum requirement. For Equity Fund example, you’ll get your COP once you reached 10K. Bond Fund, Money Market and the other UITFs has different required amount. You’ll know the details on your Account Opening kit. Yes you need COP because it’s your document that proves you have a participation in the Fund.

81. Hi Fhel,

    Good day!

    I just opened an account on BDO and opened a Peso Fixed Income Fund, at first I want to enroll on their EIP opening an Equity Fund but she told me that it has higher risk and even if you reach the 10k minimum that doesn’t automatically entitle you for the UITF (she said it has something to do with the fluctuation of the price of units). So I tried PFIF which has a lower risk but with less return. She also told me that I can’t add another investment on my existing PFIF, so if I have 10k for the minimum investment that will be for another certificate. Thus that mean another PFIF having different rate? Is that true I’m a bit confused. I still want to invest in their UITF Equity Fund via EIP will it be possible if I redeem my PFIF after the holding period and put it on Equity Fund? Thanks.

    • Perhaps from your assessment and questionnaire, you were not a high-risk investor so she recommended a fund that suits you.

      Yes every Fund has different rate because they have different performance and strategy.

      I suggest you retain your Peso Fixed Income Fund until the your target time. you have a target time right? 🙂 If you are clueless, you can read more about our posts here about UITFs and Mutul Funds. I shared so many stuff in investing on those pages.

      Equity Fund may result in higher return but it is so risky. Like said, the higher the return, the higher the risk.

      • Hi,
        Does even if the investor is not suitable as per the questionnaire there is a waiver that tells if he/she still wants the necessary type if UITF. Because as per to what i have watched to youtube, when im researching about UITF that is one way to get what type of fund you like since the investor has the final say about his/her investment. I think they should not interfere about “MYKEL” decision of what type of investment he like because even if it has a lower risk there is still “risk”.

        tnx

        • Yes, the investor has the final say on what kind of Trust Fund he will open. The questionnaires are guides to measure and assess risk tolerance etc. Investing is a very serious and risky matter so thorough decision and explanations of the possible outcome and risks are needed. I think nobody interfered naman on Mykel’s case. They just recommended the UITF. It’s really up to us. In the end naman we are the one who sign the agreement which covers the risks involved. Have a great day 🙂

82. THank sis fhel, Hello s lhat ng investor, finally ng avail nko ng bdo uitf equity fund, tama walang ganong alam ang teller mukhang my mas alam p ko s knila, so susubukan ko lng 3 to 5 yrs EIP auto debit s savings accnt, then long term investment mganda galaw ng bdo nw s stock market number 1 bdo eh,pwd naman dw eh stop any time un EIP any time nilinaw ko s teller yn n ngtatanong p s visor nya, pg nabuo n un 10, 000 kung ano NAVPU s oras araw n yn un ang per share ko,akala ko basta n debit n mkkbili nko ng share un khit d p xa 10, 000, un COP after 7 days dw or need ko p cla tawagan, dapat sana they will inform me nlng therez many ways how to keep intouch me…
    Happy investing sis….

83. Ms.Fehl,

    nakalimutan ko po pala itanong kasi OFW po ako kaya ang balak po namin na ung wife ko po ilagay ung name ng account po. Kaya po ang question nya eh paano daw kung something happens to her makukuha ko daw po ba ung money?.. Kung ako lang po ang sasagot eh naturally yes.. ^____^ ask ko lang po.. what if after ng first 10,000 ko eh hindi na po ulit ako nakapag invest ok lang po ba un?. does my investment is still there after 5 years?..

    • If you are legally married, I think yes you can get what your wife has left in case something happened including money from the bank…Just make sure though you have the necessary documents to prove you are indeed his husband. As for your second question, it depends upon what kind of UITF you have chosen. Some have minimum amount like P10,000 others require 100,000. You’ll know them prior to your Investor Questionnaire and Assessment. Yes, your investment will remain in the bank and will only be gone if you redeem your fund. They will issue you Confirmation of Participation (COP). You must keep the COP for life until you decide when to redeem your fund.

      • Dear Mr. Fehl,

        Thanks for your quick response with regards to my questions. Hope your blog is still there for long years to come…… God Bless….

84. Good Day… New po ako sa blog nyo po pero madami na rin po ako napuntahan n mga blog at isa po sa nkakatulong ang sa inyo lalo na po sa mga baguhan sa pamumuhanan na kagaya ko po… Salamat po at meron kagaya nito. I wrote this comment to ask about my wife experience during her inquiry about the “IUTF” especially about equity fund. Her experience was like this… the teller even discourage her to participate. then my wife asked some questions but parang hinde daw alam ng teller ung sagot… Hope somebody can give me some advise. God Bless…

    • You’re welcome and it’s a pleasure to share this to Filipinos. 🙂

85. Hi maam,, thank u so much 4 ur rply about my concern tnx, I will start dis month to bdo uitf, I agree with u bdo is the top 1 bank here in phil. and it own by top1 billionaires henry sy, the banks will stay, even their a rumor of mergings of banks, my I ask is this true? Merging of bank, only 5 banks will remain? Tnx GOD BLESS…

    • Hi there. You are welcome. I’m glad you are investing to UITF. Ah merging of banks? Yes I heard of that one and it started at the beginning of 2013. PNB merged with Allied Bank then another banks are in the talks about merging. I think it would benefit us all 🙂 Let’s just see if it’ll be only 5 major banks or 4…

86. Hi madam,
    Tnx 4 this beautiful helpful blogs, GOD BLESS…
    What can u say about VUL?

    • Hello! Pleasure is mine. 🙂 VUL just like what it stands for – Variable Universal Life insurance is another type of investment which is mostly known for insurance benefits. It can give you income, dividends depending on the funds performance just like other investments but this one offers death benefits, loans just like policy life insurance. I’ll share a post about VUL this month. Have a great day!

      • Good evening! hello miss Fehl just want to ask if i could get a skilled job in Canada.i’m presently working in one of the government hospital in Saudi Arabia as staff midwife in Labour and Delivey Room.could you help me find an employer many thanks God bless.

87. This post is very helpful! I participated in a UITF with BDO last week. I intend to add to the initial investment this week. What will be the base NAVPU that will be used? Will it be the current NAVPU, or the the one when I first joined (last week)? Will the two “participations” separate accounts? Thank you in advance!

    • For EIP account, they use the Peso-Cost-Averaging Method which uses the NAVPU every date of putting the fund then divide it the total times up to the time you planned to redeem the whole investment. I’ll publish a post about this soon for specific example. Happy investing!

      • hi,currently ill be receiving my first COP nxt month as ive aleady completed 10000 in my UITF equity fund under EIP, ill just like to ask ur opinion what would be better to do with it, keep the COP for now and redeem when the market is high(which might only happen after a few years) or use it to buy shares again/ reinvest it again?

        • keep it and make more placements and redeem everything after 5 years or so

88. Hi Ms. Fehl
    Is there an age requirement in bdo uitf?
    I’m 17 yrs. old and im currently interested in having bdo eip

    Thank you so much po.

89. Hi Fehl, kudos to your blog as it really helps investors especially newbies like me. I’m working abroad too like our other kababayans here and been investing in the Phil Stock Market for over a year now through COL Financial. A lot of opportunities to gain profit playing the stock market but one can easily be burned too if you don’t play your cards right. And I agree with you, better invest in blue chip companies especially if one is a beginner.
    I want to diversify though and wanna ask you regarding bonds. Does UTIF investment vehicles(BDO, MBT, BPI) offer those? How about MF managers(Sunlife, Philam)? I saw Sunlife’s NAVPS is 2.7308 and Philam is 4.0612, both as of Aug 23, 2013? Does it mean it’s cheaper to buy Sunlife bonds? Thanks!

    • Hello Borgy. Thank you for your kind words here. 🙂 Yes I would say you already diversify if you invest in UITF since your funds are invested to different companies, securities, funds and other investments. If you check a Fund’s performance, you’ll see their holding firms and the funds they participate. UITFs and Mutual Funds are already managed by experts so you don’t really need to monitor and exert more efforts to strategies as to how you put your funds to different investments. Yes if you saw that the present NAVPS from them then, the lower was cheaper.

90. maam does BDO UITF EIP give also dividend?

    • From what I read, unlike mutual funds, UITFs do not give dividends.

      • yes UITFs don’t give dividends coz the investor only participates and buy units from the investment fund and not shares from the company

91. I was very disappointed when i tried to enroll for UITF BDO Equity fund because the person i talked to don’t have the knowledge to explain the advantage of the investment that i’m referring to. Telling me that there is no online nor i need to stay in the country to continue investing and more and more negative thoughts. Anyway, I still ask her to proceed with the process as i’m very eager to start the investment since I’ve read your blog 3 months ago but then I was asked for the requirement like TIN # (which I don’t have) and told me that i should open my investment on the same BDO branch where my saving account was opened.

    I’m working abroad and having annual vacation that’s why i was very upset that i failed to start and will have to wait another year for my next vacation. I’m just sharing my experience and hoping that you might come up a more precise guideline for OFW’s who’s interested in investing.

    I love your works and hoping to get more related updates from you.
    Thanks.

    • Hi Vox, try to inquire in other bdo branches…Recently, I had also bad experience when I started inquiring about the EIP in BDO, On the 1st &2nd bdo branches I inquired in here in pampanga and they won’t accept my Tin ID as valid ID. By that time I only have NBI Clearance & Tin ID and they are requiring 2 valid ID’s so therefore I failed to apply for savings accnt & EIP. On the next day, i tried to apply in BDO Branch inside SM and surprisingly they accepted my NBI & Tin card as valid ID’s and I was able to open a savings accnt & to enroll on EIP.

      you may try to visit BDO website for more info, maybe they have offers for OFW as well.. don’t lose hope! Good luck! just continue reading this blogpost of FEHL, it really Helps! 😀

      • Currently, TIN ID card is not really an acceptable ID in government offices and other offices in the Phil. We have a page about the list of acceptable IDs and supporting documents here in case you wanna check out 🙂 If you have SSS ID, GSIS ecard, UMID, passport, driver’s license, PRC Professional license card then they will be considered as long as they are not expired. In addition, you need TIN in applying for UITF. Thank you for sharing your experience here. You are awesome! 🙂

    • I’m sad to hear you were not able to apply successfully. You really need to be here in person to apply because you need to sign stuff and papers unless there is a BDO branch there in that country. You also need to be assessed by them. Did you talk to the bank manager or a Trust representative in the bank or just a teller? I suggest you try again and make sure you look for the Trust rep or bank manager so they can bring the right person to assist your UITF application. When I applied, the bank employee referred me to another person and then to another…I was patient though. I was thinking maybe because I was applying at a small branch so there were only few or even one person who was really into the UITFs. Finally, someone entertained me. She checked my background, my bank account, my job background, my requirements and asked me to fill up and answer some questionnaire..They asked me how did I know about UITFs, I told them I saw it from their website and I am a first time UITF investor and I understand there are risks. They checked my passbook since I have one at BDO. She asked me how I earn my money, I told them too. When I signed all the papers, they told me when to get my Certificate of confirmation. 🙂

    • Hi Vox,

      I successfully open mine last august 12, 2013 without any problem, they just ask me 2 valid ID’s and i presented my Driving license and my SSS ID only, i am also an OFW. in your case, most probably you approached the wrong person. Just try to inquire in another BDO Branch. GOOD LUCK…

      • Maybe there were gremlins on that day. hehe Other banks branches are always open. Good luck!

92. Hi Fehl, when I read this article of yours, I just got interested in investing money to trust fund. so last week, i visited the nearest BDO branch in our area and inquire about the EIP. And These are what i found out..

    1. the min. initial investment is 1k, 2k, 3k, 5k.. and auto debit from bdo saving accnt (Once a month (5th, 10th, 15th, 20th, 25th or 30th) Twice a month (5th & 20th, 10th & 25th, or 15th & 30th)
    2. Every time the market value of the investment reaches Php10,000.00 for PFIF, PBAL and EQUITY on a contribution date, this will spin-off and be treated as a regular UITF investment documented by a Confirmation of Participation (COP). In the COP, it shows your 10k investment and the #of contibution u have, depending the navpu rate when d time u invested it.
    3. after completing 10k the min. holding period is 30days. U can withdraw ur investment after 30 days but also, u can continue investing if u dont want to terminate your investment.

    In EIP, u can start @ 1000 and once u get an accumulated value of 10k for months that’s the only time that the bank will give your certificate of participation stating your 10k investment & #of units/ contribution.
    #contribution(units)= invested money / Navpu

    I’m not yet enrolled, but I’m about to start my investment this week since I’ve seen a good return of investment here in EIP. And I;d like to thank u for this great blog! Kudos! 😀

    • Yes the minimum for UITF Equity is P10,000 before you can have the Confirmation of Participation although with the EIP Plan you can open an account with minimum of 1000 and just have your official COP once you reached 10,000. The investor can choose the payment options like you mentioned. There is a great news for EIP investors now. There is a cool raffle which has started recently and still ongoing. BDO is giving cool rewards and prizes such as ipad mini, iphone 5, Samsung 40-inch LED TV and Hong Kong Trip. Why don’t you open your account now coz the raffle will be until December 20, 2013. They are giving the prizes every month.

      • Hi Fehl, Along with my friend, We had already opened a savings account and at the same time, We had also enrolled on EIP, our first deduction will start this Aug20.. This is really Great!! 😀 Thanks!

        • That is great 🙂 happy investing!

93. Hi good day, i want to learn how this works, beacause i want to invest my money. Can you send me an example how this works. For example i invested 10k in bdo how can i earn money will it be after 6mos or 1year and hiw much will i earned for example i put 10k. Im only 25 years old and an ofw i want to invest in bdo. Can you expain to me because i really want to learn. Thanks

94. Hi Miss Fehl,
    Could you explain what is the benefits of opening EIP (Easy Investment Plan) on investing UITF Equity Fund?

    • EIP aka Easy Investment Plan is offered for those who want to have medium to long-term investment and saving plan. Unlike the usual UITFs, having EIP will give you the benefit of investing continuously (eg: per month or twice per month) until your redemption goal. Also the Peso Cost Averaging Method is used which is a very well proven and tested wealth building strategy used by investors in the Stock Market and related investment wheels. If you read my article about “How to be Millionaire in the Philippines in 5 Years” you could know more about it 🙂

      In short, EIP is easy and flexible since you can start as lower as P1000 per contribution. If you maintain a long term investment let’s say 3 years, you can surely earn a lot. If you are a beginner in investing, I recommend this. In fact I recommend it too to even experts :p Like I always say, diversification is always amazing.

      • Thank you for your reply. When I open an EIP, the minimum amount is P1000 per month then I will choose what UITF that I want to invest right ? for example I choose Equity Fund, when my fund in EIP reach P10,000 for the minimum requirement in Equity Fund, it will automatically transfer it to the UITF? What will happen to the next P1000 contribution in EIP? Also do they also have charges it I don’t have enough money to pay P1000 on my next contribution in EIP? Please advise. Thank you.

        • For every UITF, there is a minimum amount. In the case of Equity Fund, the minimum is 10,000. If you reached the 10K, that’s when you really have a UITF and you’ll receive a Confirmation of Participation. As your fund grows, your units also grow. See the NAVPU so you have idea how much your fund gain or loss. If you’re under EIP, use the Peso Cost Averaging method to compute your gain/loss. You will be charged if you redeem before the allowed redemption date of your UITF. You can know about this info at the Account Opening Kit you will read and sign.

95. Hi! Are there age requirements in the application for BDO UITF? If so, what is it? Thanks

    • Any person, firm, corporation or entity who has the legal capacity to contract or establish a trust may invest in UITFs. It’s important that the investor knows what he is getting into. The applicant will undergo assessment before opening a Trust Fund. There’s no specified age requirement though. I think what matter is; the investor must know and understand the risks of investing.

96. Hi miss Fehl,
    I already have a savings account in BDO, it is possible to open UITF Equity Fund with only that? or do I need to open another account for it? and can I also see my balance of my UITF Equity Fund like in my online banking? if not, how can I see my balance? and can I open UITF Equity Fund while I’m overseas? I hope you help me… thanks..

    • Yes it’s recommended you open UITF account where you have opened savings account. If the branch is far, just open a new savings account then. You can always see your balance on your passbook or online if you have internet banking account with them.

      • Hi miss Fehl,
        Thank you for your reply. I really appreciate it.

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