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

Many people asked me how I started investing UITF in BDO Equity Fund so like I promised, I am sharing my experience here and share some of its benefits too. Let me start by saying there are many kinds of Trust Funds and UITF in Equity is just one of them. I chose Equity Fund because it involves mainly with investment in stocks.

And because even before a new year has begun, the Philippine stock market has recorded awesome performance so I decided to participate even in just little ways.  Another reason too is that the BSP has finally said goodbye to Special Deposit Accounts (SDA).

investing uitf in bdo equity fund review benefits

A first timer of UITF investor must:

Before you bite the apple, you must be prepared of the outcome – will it be sweet or the opposite. You must remember, this is an investment account, not savings account. You may incur profit or loss. But you must not be scared. If you’re afraid, you’ll never earn money. Can I tell you, you’ll be ok? 🙂

For me, investing UITF in BDO (EIP) is less risky coz it uses Peso Cost Averaging Method. Have 3 things before you open an investment account:

  • Basic knowledge
  • Time frame or target
  • Risk tolerance

You must first have basic knowledge about this fund or investment. I suggest know simple concepts about the Stock Market, Mutual Funds, Trading, UITF definition and its types. You can search them online or just ask a banker or a friend who’s into them. Or you can just read the related articles we have here at Philpad under the MONEY category.

bdo uitf benefits

After having basic knowledge, don’t stop there. Continue learning more about money and wealth building. If you’re ready, you may choose the bank where you’ll open your account. Banks like BDO, Metrobank, BPI, PNB, Security Bank, UnionBank and the like. Just check them if they have UITF in Equity Fund. I am sharing about investing UITF in BDO here because it’s the one I’m using.

You must also have time frame or target time when you will redeem your fund and earnings. This type of fund and investment is not short term in nature. For me, I choose my fund to stay for a year or more. A year is enough to be short for me although my goal is 3 years or 5. Choose your target redemption time. Some decide according to the market and the economy’s performance.

Risk tolerance is important too. Be aware there are some risks with investing. Be patient and follow your target and remember don’t be greedy. If you earn hundreds of thousand now, don’t expect it’s the same the next day or next month. Remember, tomorrow is another day.

Why I chose to open UITF Equity Fund in BDO?

Simply because it’s the number one bank in the Philippines and I think it will be too this year 2019. See the top and best banks in the Philippines in terms of assets, loans, deposits and capital. I also love their fund performance and strategies. I love their holding companies too. Another reason is easy access and because I already have accounts with them. Before you choose your bank, check their past months performance reports. They are usually available online from their websites.

I chose investing UITF in BDO Equity Fund because I want to surf the waves of stocks. Like I said, this type of UITF involves with investment in stocks. This snapshot graph taken from Bloomberg would tell you why I chose BDO Equity Fund.

bdo uitf equity fund graph
source: Bloomberg

My experience in opening BDO UITF Equity Fund

The banker was nice checking my requirements and explaining about my chosen investment and the possible profit and loss. I had a background check, submitted photocopy of my IDs and a recent photo. I filled up some forms for the Client Suitability Assessment. There is an Investment Account Opening Kit BDO will provide you and you need to fill it out and sign. Your TIN is also required.

I opened an account for BDO EIP (Easy Investment Plan) for I am planning to have continuously for 3 years. I am also opening another one soon which is not EIP. If you are employed and you’re receiving your salary through ATM, you can also sync your UITF account for the EIP monthly debits. If you’re not on EIP, you can just fund your account.

Benefits of Investing UITF in BDO Equity Fund

Higher earning potential although the risk is never absent. From the past performances, I also believe it will grow and soar higher. The EIP would also help as I plan to maintain it for long term and more years. You don’t also need to monitor the market like a trader in the stock market if you have this investment because the fund manager will do the work. The fund managers are experts. The benefits I see here are summed up as follow:

  • Higher earning potential
  • Low Trust fee
  • Easy access
  • Learning experience
  • Easy NAVPU check online
  • Easy Redemption
  • Doesn’t need monitoring of financial market

My own quote for today about investing:

Don’t be afraid to invest. Be afraid if it never struck your mind.” – Fehl Dungo

Disclaimer: This article is only for information purpose and is based from experience. It’s not meant to endorse any investment or a company. Remember, all investments have risks so decide wisely before you invest.

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

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

      • Hi Ms. Fhel, i just recently find this blog/ article in which i find very informative. Well i have been thinking of opening an account in BDO, my qiestqqu is if i have a 10k peso cash what should i open? UITF regular or EIP, im a bit confused on tho what’s better. if you can explain it to me in a better way i would greatly appreciate it. Thanks you very much please enlighten me.

        Doubts:
        1. If i just put 10k and let it be for 3to5yrs would it give me better interest since i cant even add up to it.

        2.if i would open EIP and put 1k a month for 3to5yrs am i gonna gain more than the first option?

        3.what is the advantage if i open both?

        Reply
  1. hi! meron na po akong bdo eip with 2000/month under bdo equity fund.tanong ko lang po kung pwede ba mag top up ng contribution at kung paano.
    salamat po

    Reply
  2. Hi Ms. Fehl:

    Maraming salamat sa tulong mo. dahil sa blog mo marami akong natutunan.
    Miss Fehl, nag enroll ako sa BDO UITF under PESO Balance Fund at mag start na ang deduction ko ng 1,000 next month (november). ang tanong ko po gusto ko kasi e maximize ang fund ko at plan ko mag add. pa ng 1 account sa Equity fund naman. paano po ang processo Miss Fehl? need ko ba mag start ng new enrollment? pasensiya na po sa tanong ko at maraming salamat 🙂

    Reply
  3. Hello Ms. Fehl, ung UITF in Equity fund ng BDO pwd ba 1tym q lg gawn ang paghulog?yw q lg kac my iniisp na hinuhulugan monthly. Balak q sana mga 50k pos hayaan q na lg un ng hanggang 3 or 5yrs. Or yearly pwd q ulit dagdagan.

    Reply
  4. Hi ms fehl. Ask ko lang po kasi i opened an account in bdo equity fund in regular uitf then since im not familiar with the system yet. Pero nakagawa po ako ng account sa eip with monthly contribution ang plan ko po kasi is yung minimum na lump sump ang ihuhulog ko monthly. Magkaiba po bang account yung regular uitf equity fund sa eip equity fund???

    Reply
  5. Hi Ms. Fehl!

    I’ve been reading your articles for 2 weeks now and I am one of the Filipinos who has been working in an office and is getting fixed income through my salary. I have always dreamt of having financial freedom before I retire (though matagal pa naman). I was introduced by someone last year about stock investment and opening a COL account. Since then, I tried to search for sites that are very helpful with regard to this matter and at first, I got very confused but honestly, I found philpad very informative. Your articles have basic terminologies that even a simple “Juan ” can understand so my eagerness with investment keeps on growing more and more as I read your articles about money matters.

    Right now, I only have a savings account in BPI and is in the process of saving the minimum amount so I can open a COL account. But with regard to UITF Equity Fund, kindly correct me if I’m wrong, Is the only way to have an Equity Fund is through opening an account in a bank (for example BDO) or can I also buy an Equity Fund through a stockbroker platform using COL? I got mixed up a little bit about this, so I just want to clarify. I am trying to organize po sana yung kakapuntahan ng sweldo ko para hindi ako maguluhan when it comes to the accounts that I have to fund once I start.

    Thank you so much po!!

    Reply
  6. hi fehl,
    i would appreciate it very much if you could give me an advise on how to diversify on uitf equities investment products if you have a let say a million pesos in savings. iwant it to grow and works for me as prepare for my retirement. i already have an acct. with bdo, i would really be happy if you could help me in pinpointing the best euity fund that i should be investing in and how much if you could add that as well. hope to hear from you the soonest???just a newbie…

    Reply
  7. based on ur experience and past performance of the fund, is January expected to have the highest NAVPu rate based on
    compound interest? thanks.

    Reply
  8. based on ur experience and past performance of the fund for several years, is January the expected month where the NAVPu is at its highest rate due to compound interest?

    Reply
  9. I think investing in farmland like planting falcata trees will gain more profit than investing stock. My experience speaks by itself. I have planted falcata trees with a capital of 50 thousand pesos and gained profit of 560 thousand pesos in 10 years.
    It means the profit is about 50% per year, not bad at all.

    Reply
  10. Hi Fehl,
    Na try ko na mag invest sa BDO Sustainable Dividend Fund, mas mataas ang nakuha kong income sa loob ng 4months kaysa BDO Equity Fund…Ask ko lang po kung matatag ang UITF na ito? kasi plan ko pa na ipasok uli ang pera ko…Pwedi po ba na mga 1wk lng ma redeem ko ang pera pag medyo tumaas ng konti ang NAVPU? Salamat!

    ArleneP

    Reply
    • Yes, BDO Sustainable Fund is a great UITF. BDO is very good in managing their Equity Funds so kudos to BDO. Thanks for sharing your experience about Sustainable Fund. I might buy some units soon 🙂 Cheers!

      Reply
  11. OFW AKO IF I APPLY FOR RUGULAR UITF ( EQUITY FUND) TAPOS I LEFT THE COUNTRY DIBA LONG TERM ITO PAPANO MAKUHA UNG COP ?? HALIMBAWA 3 YEARS AKO SA SAUDI HINDE AKO NAKAUWI UNG BANK BA PAG HINDE NA CLAIM UNG COP AUTOMATIC RECYCLE UNG INVESTMENT KO OR I HAVE TOP APPLY EVERYTIME I RECVD THIS COP NA YAN.. TY

    ANY SUGGESTION…

    Reply
    • Hi Dodong, I work overseas din po. I would suggest po na mag online UITF na lang po kayo kagaya ng ginawa ko. Mas convenient and flexible po kasi pag online at magagawa nyo po lahat kahit wala kayo sa Pinas kagaya ng:
      1. Pagbili ng UITF (either Lump Sum or EIP)
      2. Pag adjust ng EIP monthly contribution amount at frequency i.e once or twice a month at anong date – 15th, 20th, 30th etc
      3. COP – tuwing makaipon po kayo ng 10K kagaya sa BDO Equity Fund, bibigyan po nila kayo ng COP number virtually.
      4. Redemption – pwede rin po kayo magredeem online ng investments ninyo.

      How to apply:
      1. Open a BDO saving account.
      2. Wait for the atm to arrive. Approx 4-5 business days after account opening.
      3. Enroll your account online using your ATM plastic card number.
      4. Activate your online account at BDO atm machine. Account will be activated in 24-48hrs.
      5. Login to your online account and then enroll to UITF. Online nyo na rin po sasagutan yung Client Suitability Assessment.

      Hope this helps. 🙂

      Reply
      • Hello Ms. Fehl,

        I am planning to open BDO UITF EIP Equity Fund, I just want to now which is better, open 2 accounts for both 1ok deposits with monthly of 1k or I will combine it to one account only? This is for the studies of my children that is why I want to open 2 accounts. Maraming salamat po sa inyong pagtugon. God Bless…

        Carl

        Reply
        • Hi Carl. You can open ITF (In-Trust-For) account for your children para they have UITF each of them. When they reached 18, you can then turn the UITF on their own name 🙂 God bless!

          Reply
          • Hi miss fhel gusto ko sana mlamn kung paano mgcalculate kong nag join po ako equity fund last august 2015 until now. Bali montly po ako bayad for 5000 pesos.. Mga mgkno po mkukuha kung iredeem ko ngayn

          • Hi 🙂 Depende sa NAVPU. NAVPU changes every day. You can check out the amount of your UITF investment at your BDO online account by adding your UITF

  12. Good Day, Miss Fehl! Gusto ko lang po malaman kung paano kayo nakakuha ng Certificate of Participation? Sino po ang hinanap ninyo sa BDO? Thank you!

    Reply
  13. Hi! I’m currently a student. Is it okay if I have no work and invest? I think investing while studying is good but is having a job required in opening an investment account in BDO? And about the P2,000? Is it monthly or just a one time payment?

    Reply
    • If you’re 18 and above, you can open UITF already. Work is not a requirement. As long as you are well knowledgeable with UITF investments, the risks involved and you have a plan with your money, you can invest. You can either invest one time or choose to invest periodically (monthly). It’s up to you

      Reply
      • Hello po ano po ang mas maganda regular UITf or BdO eip……kasi ok naman ako sa dalawa pero saan po ang mas may advantage sa kanila?

        Reply
  14. Hi ms. Fehl ,

    Tanong ko po pag nag invest Po b ako ng 10k Sa EIP need Po tlaga mg deposit every month? Or pwede un n ung 10k? Bka nman po pg di nag deposit mwla ang 10k? Paano Po b tlaga investment s EIP ?

    Reply
    • ito din po question ko ms. fehl.. if nakapag initial deposit na po ako ng 10k, is it required to to contribute a certain amount monthly or is optional lang po?

      thank you in advance 🙂

      Reply
        • Hi Ms. Fehl,

          Follow up question lang din po, pano po maglagay ng fund sa UITF? nkpag open po ako ng BDO UITF online with 10k initial deposit, pero gusto ko po dagdagan ung 10k. pano po gawin online?

          thank you.

          Reply
          • Hi. Kung naglagay ka ng 10K, yun na yun. Yung sinasabi mo na gusto mong magdagdag, another certificate na yun.

            Ibig sabihin, kada-10K may certificate of participation ka. Yung may top-up, EIP yun. Like, if gusto mo magdagdag monthly.

  15. Ma’am,

    Nag open po ako sa PNB ng Peso Multi Sector Equity Fund last Oct 28, 2015 at initial amount na inilagay ko is 400k, then current Fund Value as of 10-25-2016 is 390,069.96 meaning po ba nito eh hnd ako kumita instead nawalan pa po ako? Paano po tayoo kikita sa ganitong investment po?

    Sana mabigyan nyo po ako ng advice. Maraming salamat po.

    Reply
    • Hi, find out how many units you have when you invested that 400K, then multiply it to the present NAVPU of the UITF, yun ang value ng funds mo. Wala ka pa naman loss talaga kasi di mo naman ireredeem yung 390,069.96 today. Bukas iba na naman ang value nyan. Gumagalaw kasi ang market every day kaya nagbabago ang value ng investment mo. Make sure long term ang target mo since Equity Funds yan. Di yan aakyat ng ilang days lang. Equity Funds are suitable for aggressive investors and with long term plan.

      Reply
      • Maraming salamat po Ma’am Fehl sa idea po ninyo. Nakakatulong tlg kayo sa mga tulad naming baguhan lalo na sa usaping Investment.

        Regards po,

        Reply
  16. Hello po. nakasubscribe na po ko sa BDO Fixed income fund, then i want to take more risk po. pwede ko po ba syang ilipat papuntang BDO Equity fund para sa next contribution ko. or better for me to apply for new account po? thanks po.

    Reply
  17. Hi po Ma’am, kailangan po ba talagang may savings account sa bdo bago mag apply sa UITF fixed income? plan ko po sana mag apply pero wala akong account, mag dedeposit lang sana ako evry month sa UITf po. Hindi ako makapag ipen kasi nahihirapan akong mag open dito sa abroad. Hoping for your reply, thanks ma’am!

    Reply
    • If you want to add monthly funds to your UITF, I suggest open BDO EIP UITF. You need a saving or current account for EIP kasi dun kukunin ang hulog mo monthly

      Reply
  18. Tanong ko lng halimbawa Po nag invest ako ng 10k sa bdo equity fund kailangan Po b i redeem from time to time ang income or hayaan ko nlng until 5 or 10 yrs. ano Po b mangyyri pag di n redeem? Additional capital Po b ang kinita?

    After ko Po mag dposit ng 10k need ko p mag deposit every month nang 1k?

    tnx po. God bless!

    Reply
  19. Hi! mejo naging interesado ako bigla sa ganito.. tanong ko lang kasi wala pa talaga ako alam sa mga ganito. pero if ever na mag open ako.. mga magkano ang pwedeng start money?

    Reply
  20. Hi.,

    I am interested with EIP in BDO but I’m confused. They issue COP every time you reach 10k? If yes, does it continue to deduct PHP X amount on your savings account, say you enroll an auto debit of 1,000 php?

    How can you redeem the COP (Certificate of Participation) into cash? Or it can be credited back to your savings?

    Hope I’m making sense coz I’m really confused. Appreciate your answer. TIA 🙂

    Reply
    • Hi, yes for BDO EIP UITF, they issue COP every time you reach the required minimum amount for the UITF. Every UITF has different minimum participation. Example, you opened BDO EIP Equity Fund and scheduled to invest 2K every 15th of the month, you will receive COP when your fund reached 10K because that’s the required fund for a regular Equity Fund. Eveokry time you make 10K, you’ll receive a COP.

      Yes, you need your COP to redeem your funds. You can view each COP on your BDO online banking account. Funds can either be credited on your bank account or maybe withdrawn in cash, your choice.

      Reply
      • hello po.. so i reached 10k in my eip equity fund, 2k every 20th.. my 10k became 10,600 something.. when i redeemed, akala ko yung 600 lang ang mareredeem, yung whole 10,600 pala? then magrerestart ulit po sa 2k a month??

        Reply
  21. Hi ms fehl,

    I just want to ask if i redeem my equity fund on Friday before the cut-off time, which navpu rate do i get, thursday navpu or friday? Thank you in advance!

    Reply
    • You’ll see it on the Certificate of Redemption. I think the NAVPU for Equity Fund is reported at 4pm or 7pm so if you redeem on Friday, apparently you’ll use Thursday’s NAVPU. Better ask the Trust officer of the day to be sure 🙂

      Reply
  22. Hello nagapply po ako for EIP last may 25 ang first contribution ko po this june 5 2016. tanong ko lang po kung pano ko po sya mamomonitor ? makikita ko po ba sya online ? maraming salamat po

    Reply
    • You can monitor it online. Log in to BDO online banking. On the left side, click Enrollment Services -> Trust Account -> Enable Viewing of Account.

      Reply
  23. Ms, Fehl,

    Tanong ko lng halimbawa Po nag invest ako ng 10k sa equity fund kailangan Po b i redeem from time to time ang income or hayaan ko nlng until 5 or 10 yrs. ano Po b mangyyri pag di n redeem? Additional capital Po b ang kinita?

    After ko Po mag dposit ng 10k need ko p mag deposit every month?

    Thank you.

    Reply
  24. hi goodmorning, i was not able to pay my investment with BDO for more than a year now kasi i had some struggles financially, marerecover ko pa ba ung payments na nagawa ko dun for less than a year (baka mga 40k ung total deposits). thank you very much

    Reply
  25. Hello fehl,
    Isa po ako ofw,at mgbabakasyon po ako this coming april(21days). And im planning to open bdo equity fund, ang tanong ko po ay kung pwede mgopen kahit walang TIN, or need ko po talaga mgapply for TIN bago ako pumunta s bdo bank?

    Maari po ba 5k monthly contribution?
    At ang initial investment ko po either 25k or 50k php..

    Maraming salamat sa agarang pgsagot sa aking tanong.

    Godbless u fehl.

    Reply
    • Hi, Ang isa SA kailangan kapag mag open ka NG fund SA investment is TIN. Dika makaka open kapag wala yun. You can do it online like what I did tapos punta ka na Lang SA office NG BIR malapit SA inyo at isubmit yung form at makakuha ka NG ID

      Reply
  26. hi po,
    ask ko lng, wala po akong knowledge msyado about stock market or investing in uitf’s pero im intersted. I am an ofw and i want to start now since im on vacation here in the philippines. Need p po b umattend ng mga seminars?
    thnks po ?

    Reply
    • Seminars are not necessary but helpful. Seminars are often offered for stock trading. We have UITF guides here. If you read all our UITF posts, I’m sure you’ll be prepared to invest then 🙂

      Reply
  27. Hi, should I not be afraid if I am seeing only losses on my BDO Equity fund. I am starting to invest and I only can see loss on my money, 🙁

    Reply
    • No worries, everything is red these days because of market drop. With Equities, always invest for 3 years or so, it’s not suited for short term

      Reply
      • hello ms. fehl. i started a bdo uitf equity last year but my savings account was closed dec 2015 because i was not able to put some money. ano po mangyayari sa uitf ko po? the teller said i need to open a new savings account.. does this means i have to start a new uitf too? i hope you can help..thank you.

        Reply
  28. Hey..
    Would you know if students(foreigners) are eligible for the EIP?
    I found your blog interesting. i’m planning to invest 100k and 4k monthly
    for like 3 yrs of my studies here.

    Reply
  29. Hi Fehl,

    I am starting to read things about investing. I got laid off after 7 years in my last company so I have some extra money for it.

    I am leaning towards the BDO Equity Fund. I was reading a lot of the articles and the comments with your answers here. But being new to this, I might have some redundant questions so apologies.

    1. For example, I will start with 50K to start the UITF Equity Fund. Do I have the options to stop there OR continue with a monthly investment of for example, 5K?

    2. If I decide to continue with a monthly investment, do I also have the option to stop for example after 6 months?

    3. Was there a case where the investment was drained to zero?

    I hope you can answer these questions. Thanks and happy holidays.

    Reply
    • 1. If it’s BDO EIP, you are required to invest periodically, if it’s not BDO EIP, you’re free not to add funds.
      2. Yes, but take note of the holding period
      3. Not a case of that yet thank God 🙂

      Reply
  30. Hi Fhel,

    Interested ako mag invest sa mutual fund. Sa NCR lang ba ito? kasi dito ako sa region IV, and wala ako idea about offices of different mutal funds here.

    Reply
  31. If ever po mag invest ako sa UITF-regular equity fund,ano po ba ang dapat gawin pagkapos?titingnan mo na lang ba online if nag gain or loss daily ang ininvest mo?or meron ka pang mga hakbang na gagawin para kumita ito?

    Reply
    • Depende yan sa type ng UITF ang pinili mo. There are risk appetite and time frame suitable for each types of UITF. You may learn more by browsing or post about UITF by going to UITF menu above. Cheers!

      Reply
  32. Hi Fel,

    Ngayon ko lang naalala na my Investment pala ako sa BDO Equity Fund Worth of 35k.
    Wala nakong update mula ng nginvest ako last April 2013, I called BDO and it seems like they dont know the answer to my queries. Any Idea if my growth na sa Investment ko? thans in advance

    Reply
    • Hi Miguel. Do you have an existing BDO Online banking account? If you do, you can enroll your UITF account there by logging in. Go to Trust Investments and find the Enroll Stuff. Then you will be able to see your UITF performance.

      Reply
  33. Hi Ms. Fehl, any thoughts please on BDO Equity Index Fund? I understand it was launched just this year.. I wish I could know more before I invest in it.
    Thanks.

    Reply
  34. Hi Ms Fehl, very informative ang mga replies mo sa mga comments, and after reading i came to conclusion na maaring better ang equity fund kesa sa money market. Nag open ang wife ko ng BDO Peso Money Market Fund. Pwede bang itransfer to Equity Fund ang investment namin? Marami pong salamat and God bless you more!

    Reply
  35. Hi Fehl,

    I have been reading your posts since last year and it made me decide to open an UITF (equity) on BDO last January. I have been funding it regularly(10K per month) until now. So I now have 90K invested and it’s performance is not doing well as the market is down. Would you recommend strategy like this(by investing monthly regardless on the status of the marker) or should i keep my money in my savings and invest it when the market is down? I appreciate your response on this. Thank you very much for your help in educating people that doesn’t know anything about these , just like me.

    Reply
    • Hi Lucky. Equity Funds are have the highest earning potential from all UITFs. Your strategy is great given that you’re aggressive. Stay invested and stick to your strategy. The market is down nowadays but that doesn’t mean you won’t make profit someday. The stock market is experiencing a correction and will recover eventually. Equity Funds are suitable for 3 or 5 years or so

      Reply
    • Hi Ms. Fhel, ask ko lang hal nag-invest me sa isang bdo branc ng UITF EIP , then, for instance lang, nagsara hal un branch na un, ano ang magiging out come ng investment ko. Hope to hear you soon and thank you.

      Reply
  36. Ms. Fehl, We are planning to construct an apartment, but we are still saving fund for the next 2 yrs. we are hoping that we can produce atleast 2/3 of the cost in cash and have minimal bank loan for our building expense.

    Presently, our savings is 1M. Is it advisable to invest this in UITF like money market or bond fund due to the short term of 2 years till our construction plan? I was planning to divide it in 2 fund 500k BDO at 500k security bank. Or will it be better to put them in 1 UITF fund?

    This will be our (me and my husband) retirement fund. The apartment will serve as a passive income since we are both OFW and we are in our early 30’s.

    We are planning to go home for good by age 45.

    I really enjoy reading your blogs and it has answered and ease my anxieties about MF, stock market and investing. Thank you so much.

    Reply
    • Hello Annedy. Since you’re saving the money for retirement, I recommend you put it on Bond Fund. It’s not very risky and has higher returns than Money Market Fund. BDO is always on top so I recommend putting your 1M on it or from any of the top 3: BDO, BPI and PNB

      Reply
  37. Hi, nag-open ako ng Fixed income at Savings acct sa BDO branch. Ask ko lang kung pano ako mag-add ng fund sa UITF, kung pwede bang via online banking katulad sa BPI and SecBank or kailangan talaga pumunta sa BDO branch nila kapag magtop up?? Salamat

    Reply
  38. Hi. i am also a believer of UITF. I just want to share my strategy which is ‘invest and forget’. I am not checking the current NAVPU on daily, weekly, or even monthly basis. But i do check on it periodically, the last time i did was 4 months ago. I did not even check the monetary value, just comparing the current NAVPU. If it’s higher now than when you bought yours, be happy. But if it will become lower than your purchased NAVPU, it will still be fine. Investing takes time.. Rewards will be given to those who wait 🙂

    Reply
  39. HI ms. Fhel,

    I started my investment at BDO UITF Equity Fund last month july 26, 2015. Napakalaking tulong ng Philpad and you Ms Fehl for me to decide to start mag invest na… nag tanong nga sakin yung taga bdo kung san ko nalaman ang easy investment plan proud kong sinabi sa philpad =) heheheh….pangalawa na to sa checklist ko na natupad ko ng gawin una yung pag ibig mp2 next on my checklist yung individual insurance yung may money back feature sa sunlife and sss peso fund and lastly kung may sobra pang pera gusto ko din itry un sa COL..sana ms. fhel magkaroon din po kayo ng blogs pra sa sunlife thanks!

    More power.

    Reply
    • Hi Khate. Congrats sa mga investments mo and for fulfilling your checklist. 🙂 I’m also making blogs sa DailyPik.com about stocks and mutual funds

      Reply
  40. Hi Ms. Fehl,

    Nag invest po ako UITF under EIP since Feb. 2015.. Every 10th and 25th of the month ung kaltas sa savings account ko. Confuse lng po ako, sbi dito sa COP ko na ang original participation is 11k, pero ung na declare nila total amount ko lang is 10,415.75.. That means po nalugi ako?
    1.May question din po sana ako, what if gusto ko po i pull.out investment ko, pwede po ba yun?
    2. Kahit po ba natapos ko na 5mos., continues pa din po ba ung kaltas sa savings ko for another 5mos?
    Thank you. Hope to hear from you. Medyo lito tlga ako.. Lage ko kc nkaka encounter sa BDO parang newbie pa ata. Wla siyang alam.

    Reply
  41. hi, miss fehl,

    enrolled po ako sa bdo eip equity fund, nag start po ako nung january 2015 every 30th of the month, at 10k. To date it 70k, however, may total loss sya of of more than 1,800 pesos. un hulog ko ng january to june ang may loss with varying amounts per month. then, ung hulog ko ngyon july, ang may gain ng around 30 pesos upon checking today. ang tanong ko lang, bakit po gnun, hindi nakabawi un hulog ko ng january to june? paki advise naman po ano ang dapat gawin..

    thank you very much po

    Reply
  42. is there any complication if for a UITF/EquityFund your BDO kabayan Account has no corresponding fund to provide for your EquityFund for 1 month only? but still continue funding on the succeedind months after the 1 month lapse.

    Reply
    • Hi, if you enter into auto debit for your UITF fund, you have the responsibility to maintain enough funds for it to make sure your UITF is getting the required funds you have set. It could stop if your funds are insufficient

      Reply
  43. Hello, I’m an 18 year old college student and my source of income is my allowance lang but I know kaya ko pong mag save ng at least 1k per month. Instead of opening an SA, I’m thinking about getting an EIP. What do you think po?

    Reply
  44. Hi, Yesterday I enrolled in BDO EIP Peso Balanced Fund. I decided to deduct 1k per month from my payroll atm. But upon enrolling to UITF, I invested 10k so the BDO lady said I’ll have my COP within this week. Do you think that’s okay?

    Reply
  45. Hi Ms. Fehl,

    i enrolled to EIP and nag declare aq ng 1k deduction per month sa atm ko this month at mkukuha q yun COP q after 10mnths. and im planning to open again a new account na may 5k deduction per month to get my COP aftr 2 months. tanong ko lang ano ba mas magandang term? yun long term or short term? saan ako mas makaka kuha ng mas malaking profit? Im planning to continue investing for 3 or more years po.

    Thanks

    Reply
    • If your investment horizon is 3 years, Equity Fund suits that. It is risky but it has the highest earning potential compared to the other types of UITF

      Reply
  46. Hi, for example i applied for UITF EIP 3 years ago, then I’m planning to redeem my units this year. Does the ROI that will be used in the computation is the general average of the ROI’s of these 3 years?????? and for example i have 2k auto investment monthly, hows the computation goes through? Is the total of amounts (together with monthly investment) is the amount that will be used in the computation.
    Ex.
    Total investment =10,000 (initial)+[2,000 auto investment x 12mos. x 3yrs.]
    =Php.82,000
    general ROI in 3 years=60%
    Gain=Php.82,000×0.60
    =Php.49,200//

    Sorry im a newbie in here………..please correct me so i will be giuded,,, im interested in this matter…

    Reply
    • Hi, you can redeem your units based on the NAVPU. You’ll know your gains based from the time you made placements and the time you redeem. You’ll better understand the 2K/month gains/loss if you check them out on your online banking. Everything is reported there. Cheers!

      Reply
  47. hi, ask ko lang po, kc nakapag open na ko ng UITF equity EIP Bdo at january of this year ako nag start for 10k a month. So to date un total invested amount ko is 40k and ang gain nya ay 451.49. ganun po ba tlaga un.. kc pabago bago sya.. thanks po

    Reply
    • Do not expect to have huge gains as the market is not performing well since January. Keep on investing and follow your plan

      Reply
  48. Hi Miss Fehl,

    I have an existing EIP account in BDO I just have a question regarding viewing it online, just this morning I opened my account and it says on my Trust Accounts “No Transactions Found” should I be worried? It’s my first time to see that. I always check it and I can see my account but now I can’t.

    Reply
    • Once you log in your BDO online banking you’ll see all accounts you have added or enrolled like savings account, credit card or UITF on your dashboard. In your case, it’s strange. Better contact BDO about the issue

      Reply
  49. Hi ms.Fhel

    I am really interested to invest in UITF equity fund, i have already a bank account on BDO. i just wanna ask if i can invest even outside the country. OFW po kasi ako. And how can i monitor those things kahit andito ako abroad. thanks and more power

    Reply
  50. Dear Ms Fehl,

    I started my investment at BDO UITF Equity Fund last March 02 and 10 this year. Napakalaking tulong ng Philpad and Ms Fehl for me to decide to start mag invest na. Question ko lang, aside from the Trust Fee na 1.0% per annum, meron pa bang ibang charges like withholding tax? Nakabalik na kasi ako ng Saudi Arabia and nakalimutan kong itanong sa bank representative.

    PS. Among all the webiste and blogsite about tutorial about finances and investement, Philpad is my ultimate favorite. Very Informative and easy to understand. Very accomodating, helpful and nice pa si Ms Fehl.

    More power.

    Reply
    • Hi, thank you for the kind words here. Your UITF is already reported net of asset value so everything or every fee is already been deducted

      Reply
  51. Hi, new reader/follower here. I’m planning on investing particularly on UITF. I’m torn between BPI and BDO. I went to both pero parang hindi talaga consultants ung nakausap ko. They are not that knowledgable I guess. I already narrowed down my choices since I have read some posts online – so I just asked them to explain the difference between 2 kinds – for example the Equity fund and the other one with the “Dividend” word. Ang sagot ay… “halos pareho lang naman yang mga yan eh, difference lang yung price/navpu”… something like that. Nakakaloka. Your blog is helpful because your answers are straightforward. Anywayzzz… BPI is quite clear to me now – initial is 10K and I can add 1K whenever I want to, or nominate monthly debit. But I want more details sa BDO as much as possible. I know they are both performing well pero BDO is more accessible for me kasi nasa SM lang. The teller said I can invest 10K or higher for the equity fund then I will receive my certificate of participation. Kaya lang naguluhan ako when she said hindi ko na pwedeng dagdagan yun. If I want to, then I have to withdraw that and open a new one, or I can open again another account then another certificate of participation na yun. I have a BDO savings account. So let’s say I invest 10k on equity fund, how can I inject EIP to that (and how do I open an EIP account btw… or is it something enrolled sa existing savings acct?) If on the EIP I allot 2K a month, will it add to the 10K equity fund I opened? or parang nag iipon lang ako ng another 10k for another participation? I want to go back to BDO to ask these questions but I don’t think may makakasagot sa kanila and I don’t want to feel disappointed (again). Sorry, I don’t know if my questions made sense pero sana ma enlighten mo ako. Thanks!

    Reply
    • Hi, if you want BDO Equity Fund and you want to add up investments regularly, you can open BDO EIP (Easy Investment Plan). The lady told you hindi mo na pwedi dagdagan yung 10K coz she was talking about a regular UITF (not EIP). Since you already have BDO savings account, it will be easier for you to use that account for the ADA (Auto Debit Arrangement) of 2K monthly in your case. No worries, we have a page about BDO EIP here, I shared there the steps, experience and review about it. Check it out. 🙂

      Reply
    • It will be frozen unless your family file to get it. There is a process for that and the bank is usually strict but eventually your fam. can get it

      Reply
  52. Hello ms fehl!my isa p po aq nais itanong.lets say if i invest in bdo equity fund,EIP.i want to buy units @ gusto kong 100k s umpisa tapos every month of 5k.pwede b un?thanks ms fehl.@ anonpo b ms mgndsa since mtaas po now navpu s equity fund ms better po kya mg cost averaging n lng every month 10k?thanks ms fehl for ur suggestion @advice..

    Reply
  53. hi ms fehl,
    okay lng po ba mgenroll na s bdo equity fund khit na mataas pa ang market value nya?? total for long term nman po sya at peso cost averaging nman ang strategy..tingin nyo po? thanks 🙂

    Reply
    • If you follow PCA, you won’t care about the price of the fund as long as you invest monthly and do it according to your plan (3yras or so).

      Reply
  54. Hi Ms. Fehl,

    The same po ba ang growth ng UITF to direct stock investment? Kung meron po akong direct stock investment, advisable pa po ba kung mag invest din sa UITF?

    Thanks Ms. Fehl

    Reply
    • Hi. It’s not the same because UITF has different stocks participation while on direct stock investing, you choose the stocks you believe are good for you. UITF are great investment options because you can diversify and minimize risks when you have UITF

      Reply
  55. Hello,

    Can I make my BDO UITF non-automatic? I have enrolled it as an EIP so its automatic every end of the month deduction payment. I’d like to have the option of having the freedom to buy or add at my own preference on when I wanted to.

    Regards,
    Thanks

    Reply
    • EIP is a plan so it’s automatic. You can switch to Regular UITF but you need to go to the bank every time you want to make new placements

      Reply
  56. Hi Ms. Fhel,

    Ano po yung market value? Peso Value po ba yun, I mean once na nag-i-invest ka monthly ng 5k, 5k din ang market value ng ininvest mo?
    Tanong ko lang din po kung halimbawa nakapag invest ka na ng 10k at nakuha mo na yung COP. Back to Zero na uli yung UITF mo? Pakilinaw naman po salamat.

    Reply
    • Market value is the amount of an asset or stock offered in the market as of now. I think you’re referring to Future Value regarding the value of your investment in a future date or time.

      COP is a certificate of participation in a given fund, example UITF. For every placement there is a COP. And for every placement, you are buying units following NAVPU. Please read more about UITFs in our UITF menu to learn more and to understand it better.

      Reply
  57. Hi Fehl,

    I have already enrolled in UITF with investment in BDO GS Fund and EIP. The EIP has started on December 2014 for which i have $5000 monthly contribution but until now i did not receive the certificate of confirmation. Any idea on how to get those or from whom should i contact to get the certificates?

    I am working abroad so i cannot go to the branch and ask.

    Reply
    • What kind of EIP you have opened? I can only answer your question if I know what kind of UITF you have chosen for your dollar fund

      Reply
  58. Hi Ms. Fehl,
    I tried to enroll on eip equity fund s bdo dto s amin, kaso snbhn ako ng staff n mataas daw ang stocks ngaun at d daw wise maginvest dun.
    Sinabi nya n mag peso money market muna ko then wait ko daw bumba ung stocks para mkbili ako kasi anytime namn daw pde ipullout ung
    sa moneymarket..so un po i follow their advice n sa money market ko muna sya ininvest..tama po b ung desisyon ko?? oh mas mgnda tlga kung sa equity fund ko na direstso.
    im planning kasi for long term investment.
    Thanks in advance…

    Reply
    • That is advisable if equities are up. You can shift to Equity Fund when the market is down per their advice but you have to be aware when is that.

      Reply
  59. Hi Fhel,

    Nice to hear your advises. You want to clarify something. My co-workers are already
    investing in COL financial, they said, it has highest ROI of 8%. Of course I understand
    the risk investing the stocks. My question is, how is it different when you invest in UITF?I have my UITF in BDO already.
    Thank you.

    Reply
    • Hi, Bong. UITF has different investment allocation – can be fixed income securities, short term deposits, equities etc. depending on the type of UITF you will choose. While investing directly in the PSE through COL or any broker, you are investing purely on stocks.

      Reply
  60. Hi Ms. Dungo! =)

    I was looking for some ways to save some money and I saw this post. I am currently employed and considering investing because of this. Just have a few clarifications, when I choose 1K for my starting investment, is it going to be a monthly thing? Do they have contracts? Like 1K monthly for 36 months, is that how it works? Tsaka I’m a little doubtful din.. A comment above said na “if you don’t play your cards right, you may lose earnings.” What does it mean to ‘play the cards right’? I really wanna earn, but I am really scared cause I haven’t done much research yet. Hope you can enlighten me.

    Thanks!

    Reply
    • Hi Belle. If you want to invest UITF in BDO, you can either open a Regular UITF or BDO EIP (if you want to invest monthly). There are minimum funds required for each type. To learn more about UITF, please read our post about UITF above because investing in these instruments needs basic knowledge. You’re scared because you don’t know much about it yet. No worries, our UITF post will help you.
      “if you don’t play your cards right, you may lose earnings.” That means if you don’t know what you’re doing, you’re not going anywhere or you will likely lose.

      Reply
  61. hi Fehl,

    gusto ko sanang itanong kung alin po ang pinaka best UITF o MF? Actually I already invested UITF in BDO. plan ko po mag MF and COL? Ano po ma advise nyo? thanks

    regards,
    jr

    Reply
    • Right now, it’s SECB and PNB for UITF, years ago it was BDO. They change because of performance. MF, Philequity is the top one. COL is a stockbroker and they don’t currently have MF.

      Reply
  62. Hi Ms. Fehl,

    nag invest po ako today (feb 6, 2015) ng worth 10k under UITF BDO Equity fund. i will get my COP after one week. i’m a newbie. i’m curious how will i earn after one month holding period. NAV per unit as of today is 450.00. for example after one month the NAV per unit change from 450.00 to 455.00 and i decided to redeem my investment, how much will i earned based from my example above?

    please help me because i’m confused how will i earned thru my investment?

    hoping for your response.
    thank you and God bless

    Reply
  63. Axelerator plan, sum insured 500k modal premium is 100k total premium due 150k tpos regular top up 50k yn ang policy details ko nagstart yan oct 7,2014 lang ms.fehl.. so ano po maiaadvice nyo sakin anu mgandang gawin?mga atleast magkno kelangn ko idagdag mnthly or yearly? if ever b n d madagdagan yn d po b bgla nalang maglaho nlng lhat ng pera ko. ung bnbyad s insurance what f after 5yrs cntrct la naman mangyri skn e d sayang lang ung byad dun. ms fehl advice naman kc ung agent ko parang panay komisyon nya lang iniicp nya d mapaliwanag skn mbuti kht nung una plang. tatanawin ko malaki utang na loob ang advice nyo ng maliwanagan ako. wla kc ako sa pinas kya mhrap.

    Reply
  64. Hi ms. Fehl.

    Diba nag invest ako sa vul ng axa s stock market phil equity ata un ng buong 150k tpos ngaun ung 150k n un mga 100k nlng mhgt pag chinecheck ko online dhl s mga charges dw at dpnde s stock mrket.ngaun ngmmail n nmn skn yung financial specialist need ko dw mgdagdag dun sa ininvest kng 150k sa mga unang taon tlga dhl sa unang taon dw my mga charge at un dw pnka importnte ung unang taon e bnwasan n nga nila ung 150k dhl ngcharge n cla tpos ano n nman charge cnsbi nya ngaun? Parang ang dami nmn po charge. Ngcharge na nga nung una may charge n nman ulit ano nalang matitira sa ininvest ko kung panay charge cnasabi nya sa unang taon ask ko sya mgkno b tlga whole charge mg axa d nmn nya cnsgot. What if ayw ko n nga mgdagdag dun sa ininvest kng 150k hyaan ko nalang sana yung 150k gang 5yrs n un hanggang sa matapos yung 5yrs contract ano po mngyayari bka unti unti nlang maubos dhl sa cnsbi ng financial specialist n un n panay chrges. Prang ayaw nya kc na di na ako mgdagdag e d nga nya skn inexplain una plng mga chrges n yn ngulat nlang ako bigla gnun nlang pera ko.ganun pinagppilitan nya p mgdagdg ako regularly lalo n s unang taon what if di mgdagdag ano yun bawas ng bawas ng mga charges? Alam ko dpt once lng un db. Ano po b dpat kung gwin as of now wala talaga ko din balak mgdagdagna sa 150k kc yun lang tlga balak ko invest gang sa 5yrs n. Di ko nmn mkausap personal dhil d nko s pinas nktra. Pls give me an advice ms. Fehl.

    Reply
    • Hi Marie. Every insurance talaga we need to pay annual premiums para active ang insurance and para magamit mo at times of emergency. Sounds like you have more than 1 insurance tied to your investment and since VUL is also a managed investments there are upfront fees and management fees involved, mababawasan talaga ang capital mo. Since equity fund yung investment tied with it, mababawasan din yan if down ang stock market. As of now, medyo down and PSE compared to last week. Since I don’t know the exact policy and products tied to your VUL, I can only suggest you contact AXA Phils. for the exact solution. God bless!

      Reply
  65. Ms. Fehl,

    Hindi po ba available sa BDO UITF EQUITY FUNDS un EASY INVESTMENT PLAN, currently I’m working here in abroad eh mas prefered ko AUTO DEBIT via savings and ung walang ng certificates, this for longterm investment na lets say 3-5 years.

    BDO EIP vs BDO UITF what is the difference narin thanks.

    Reply
  66. ah ms. fhel after ko mag invest sa bangko nid ko dn mag hanap ng mga bibilihan ko ng investments?nguguluhan po talaga ako eh salamat po sana masagot ung mga tanong ko

    Reply
  67. hi ms fhel another question again for example ng invest ako this month ng 6000 monthly b dapat ako mg invest ng 6k for 10 to 15 years?

    Reply
  68. hi ms. fhel

    its me again panu po b ung mgging systema pag nkapag invest n ako?kelangan ko po b lagi mg punta sa bank para malaman ko kung anu n nangyayari sa investment ko?

    Reply
    • Hi. You don’t need to go to the bank. You can monitor your investments online via online banking system. Add your UITF in your online banking account. Please read our UITF posts here to learn more and how to do that. Cheers!

      Reply
  69. Hi I am new to investment, and i wanna learn kung pano ba ito. I am only investing sa bank namin dito which is earning 18% per year. Magkano ba ang ma eearn ng money every year sa BDO equity fund? At ano po ang ma suggest nyo na BDO investment na tested nyo na? thanks

    Reply
    • Hi. Earnings differ and they change everyday since investments perform differently. As to your last question, depende yan sa investor. If you’re conservative or aggressive and depende din sa financial plan and status mo

      Reply
  70. 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?

    Reply
    • 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

      Reply
  71. 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.

    Reply
  72. 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.

    Reply
    • 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.

      Reply
  73. 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! =)

    Reply
  74. 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!

    Reply
      • interesado ako sa isasagot mo sa tanung nya pero prang hindi mu nasagot ng malinaw.. Mukang may point sya na buying more units at first then wait for 5 years is i think better than buying units monthly since the units is increasing..

        Reply
  75. 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!

    Reply
  76. 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. =)

    Reply
    • 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. =)

      Reply
  77. 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?

    Reply
      • Good day Ms Fehl,
        SB UITF was listed as the leading one in 2014 but their Ytd Roi was negative sa uitf.com. is it advisable to invest with them now or wait until they are no longer negative? Thank yoU po.

        Reply
        • Stocks are on decline since last month so equities are also affected. It’s advisable to invest when units or shares are cheap, take this opportunity to buy more and follow your UITF time frame target

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

    Thanks in advance Fehl!

    Reply
    • 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 🙂

      Reply
  79. 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!

    Reply
  80. 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.

    Reply
    • 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. 🙂

      Reply
  81. 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..

    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.

      Reply
  82. 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!

    Reply
    • 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!

      Reply
  83. 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! 😀

    Reply
    • 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 🙂

      Reply
  84. 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.

    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

      Reply
  85. 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?

    Reply
    • 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

      Reply
  86. 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! 🙂

    Reply
    • 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.

      Reply
  87. 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.

    Reply
    • 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! 🙂

      Reply
  88. 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

    Reply
  89. 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.

    Reply
  90. 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?

    Reply
    • 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

      Reply
  91. 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

    Reply
    • 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)

      Reply
        • It depends upon your risk appetite. Investing big amount 1 time could give you bigger income but investing monthly could minimize risks. I like the latter because it minimizes risks and I still get profit. Please read our post about “Lump sum Investing vs Peso Cost Averaging”

          Reply
  92. 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..

    Reply
    • 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.

      Reply
      • 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.

        Reply
        • 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.

          Reply
          • 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..

  93. 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…

    Reply
  94. 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?

    Reply
  95. 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,

    Reply
    • 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. 🙂

      Reply
  96. 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.

    Reply
    • 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.

      Reply
  97. 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?

    Reply
    • 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”

      Reply
  98. 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

    Reply
  99. 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!

    Reply
    • 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!

      Reply
  100. 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

    Reply
    • 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.

      Reply
  101. 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

    Reply
  102. 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.

    Reply
    • 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 🙂

      Reply
  103. 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.

    Reply
    • 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

      Reply
      • 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 😀

        Reply
  104. 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!

    Reply
    • 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

      Reply
  105. 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

    Reply
  106. 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…

    Reply
    • 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

      Reply
  107. 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

    Reply
    • 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?”

      Reply
  108. 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?

    Reply
    • 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.

      Reply
  109. 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! 😀

    Reply
    • 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.

      Reply
  110. 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

    Reply
    • 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.

      Reply
  111. 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

    Reply
    • 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

      Reply
  112. 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?

    Reply
    • 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 🙂

      Reply
  113. 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?

    Reply
    • 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.

      Reply
  114. 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

    Reply
  115. 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?

    Reply
    • 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. 🙂

      Reply
  116. 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. 🙂

    Reply
    • 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

      Reply
  117. 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.

    Reply
    • 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

      Reply
  118. 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.

    Reply
  119. 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

    Reply
    • 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

      Reply
  120. 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!

    Reply
    • 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. 🙂

      Reply
  121. 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..

    Reply
    • 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.

      Reply
  122. 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?

    Reply
    • 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.

      Reply
      • 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?

        Reply
        • 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

          Reply
  123. 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

    Reply
    • 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!

      Reply
  124. 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?

    Reply
    • 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.

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

        Reply
      • 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 ^_^

        Reply
        • 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

          Reply
  125. 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?

    Reply
    • 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. 🙂

      Reply
  126. 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

    Reply
  127. 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!!!

    Reply
    • 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 🙂

      Reply
  128. 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

    Reply
    • 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.

      Reply
  129. 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?

    Reply
    • 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. 🙂

      Reply
  130. 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.

    Reply
    • 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

      Reply
  131. 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!

    Reply
    • 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…

      Reply
  132. 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. 🙂

    Reply
  133. 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..

    Reply
    • 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 🙂

      Reply
  134. 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

    Reply
    • 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

      Reply
      • 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.

        Reply
        • 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.

          Reply
          • 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!

  135. 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. 🙂

    Reply
    • 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.

      Reply
    • 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.

      Reply
  136. 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

    Reply
  137. 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

    Reply
    • 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!

      Reply
  138. 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…

    Reply
  139. 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

    Reply
  140. 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

    Reply
    • 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.

      Reply
  141. 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! 🙂

    Reply
    • 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!

      Reply
    • 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.

      Reply
  142. 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.

    Reply
    • 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.

      Reply
  143. 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.

    Reply
    • 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.

      Reply
      • 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

        Reply
        • 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 🙂

          Reply
  144. 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….

    Reply
  145. 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?..

    Reply
    • 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.

      Reply
      • 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….

        Reply
  146. 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…

    Reply
  147. 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…

    Reply
    • 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…

      Reply
    • 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!

      Reply
      • 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.

        Reply
  148. 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!

    Reply
    • 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!

      Reply
      • 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?

        Reply
  149. 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.

    Reply
  150. 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!

    Reply
    • 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.

      Reply
  151. 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.

    Reply
    • 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! 😀

      Reply
      • 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! 🙂

        Reply
    • 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. 🙂

      Reply
    • 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…

      Reply
  152. 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! 😀

    Reply
    • 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.

      Reply
  153. 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

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

    Reply
    • 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.

      Reply
      • 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.

        Reply
        • 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.

          Reply
    • 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.

      Reply
  155. 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..

    Reply
    • 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.

      Reply

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