Why Invest in PNB High Dividend Fund? UITF Review Benefits

Why should you invest in PNB High Dividend Fund UITF? I can’t miss a review about this because PNB High Dividend Fund has been in the top 3 best performing Equity Funds in the Philippines this year and soaring a brighter outlook for this year, too.

I’m always a big fan of Equity Funds for they generate the highest earnings among the types of UITF and Mutual Funds in spite of having the highest risk. I was very impressed when PNB introduced their High Dividend Equity Fund because there was no other UITF like that back then.

Yup, PNB is the first one who introduced this kind of Equity Fund in the Trust Banking Empire. After few months, other banks followed by introducing their own dividend funds in their investment products.

What is PNB High Dividend Fund?

PNB High Dividend Fund is an UITF (Unit Investment Trust Fund) that is focused on investing on Philippine Stock Exchange listed companies that are known for their reputation of paying dividends. Investors choose this UITF because the fund is allocated to stocks earning dividends regularly.

If a company always distributes dividends, it means they are well-established and they always have high-growth earnings because dividends are like bonuses, they are a way of sharing the big blessings of a company to its stockholders.

What does it mean? If you’re on PNB High Dividend Fund, you are investing with these well-established companies:

PNB High Dividend Fund UITF Top 10 Holdings:

  • Ayala Corp.
  • Energy Development Corp.
  • Megaworld Corp.
  • DMCI Holdings, Inc.
  • Bank of the Philippine Islands
  • Manila Water Company, Inc.
  • Vista Land & Lifescapes, Inc.
  • Robinsons Land Corp.
  • Universal Robina Corp.
  • MERALCO
pnb high dividend fund review
98.75% is invested on EQUITIES and 1.25% on TD/SDA

Benefits of Investing PNB High Dividend Fund UITF:

  • Invested on high-dividend yield PSE listed companies
  • One of the best performing UITF Equity Funds in the Philippines
  • You can open online via PNB Online Banking
  • You can monitor online
  • You can redeem online
  • You can start from P10,000 and above
  • You don’t need expertise in managing your fund
  • Impressive 20% or higher YTD ROI (note that ROI varies)
pnb high dividend equity fund vs psei
PNB High dividend Fund vs PSEi

As you see from the chart above, comparing PNB High Dividend Fund vs PSEi, our Equity Fund outperformed PSEi.

PSEi is composed of the top 30 Blue-chip companies in the Phil. Stock Exhange

PNB High Dividend Fund UITF Review:

If you have invested P100,000 on Nov. 5, 2012 for this type of fund, you could have earned P25,351 already… See the sample calculation below.

pnb high dividend fund computation
using PNB UITF calculator

Well if you have big chunk of money sleeping in your vault, wallet or savings account, don’t let it rest there because it won’t earn much interest. Instead, invest it in UITF like PNB High Dividend Fund and let it grow over time.

You don’t need to be an expert in finance or investment for this. If you invest in UITF, you already have professional fund managers who are quite expert on this matter. Their job is to let your money grow, your job is to invest.

I also want to suggest you keep your funds invested in 5 years or so because that’s the usual period you will see much gains and fantastic earnings. Remember, the longer time and the more money you invest = more profit.

This is a type of Equity Fund. If you choose it, you are aware of its goal for income appreciation and the high risks involved.

Other UITF Guides:

About Fehl Dungo

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

33 thoughts on “Why Invest in PNB High Dividend Fund? UITF Review Benefits”

  1. Hi, Invested thru this fund since 2015, The fund dips in its value since today and paper lost already of about 10%. Why is it so as compared with other banks who are performing well today. Thanks Madam.

    Reply
  2. fehl..im agressive investor since equity fund is aggressive type, i would rather buy directly in stock market ..is that i better decision ? coz i can save from the managing fees..comparing to your top 10 picks with this type of investment with the same risk the stock yielded more return..correct me if im wrong fehl.

    Reply
    • UITF are diversified and composed of many equities already and some fixed income instruments although you won’t earn dividends, I still find them profitable. If you’re very experienced, stocks are great too. UITF + stocks would be better. It’s your choice 🙂

      Reply
  3. hi ms fehl. is it ok to invest now in pnb high dividend fund when its market value is high? im planning to invest and i am confused if should wait for its market value to go down.

    Reply
  4. i love this post! keep it up ms. Fehl.. you’re a blessing to anyone who will read your posts.. better than spending time browsing facebook!

    Reply
      • Hi tnx for this.just want to ask why its not available for ofws.i already hve my global filipino fund started.but i want to be a little more aggressive sna.buti nbasa ko to.i emailed them already kng pede ako mgopen but no reply frm pnb.hope u can answer this if u know lng nmn.tnx a lot.

        Reply
  5. Good evening maam.
    I am very iinterested to invest in high dividend equity in PNB since i have an account with them. My question is, do I need to invest monthly? Or can i invest just one time at the moment, and then see if i can put some money again? How about paying the trust fees? Is it debited to the money that you invested or u need to pay it separately? Sorry if my questions sound stupid.. I am really a first timer and just beginning to learn these things. Thank u.

    Reply
    • Hi. It’s up to you. You can invest one time and invest some more again. PNB allows that. You can use their awesome system when adding investments. Earnings are on net amount already (NAVPU), thus trust fees, taxes etc. were already been deducted and accounted for

      Reply
  6. Hi Ms Fehl,

    Is investing in UITF like PNB will give me dividends or just returns from my funds allocated from those selected companies? I like all of your advises by the way. Very helpful!

    Reply
    • UITFs don’t give dividends unfortunately. They just added the term Dividend to some UITFs (BDO, PNB, etc) to specify their potentials and classification. You have to invest directly in the stock market to earn them

      Reply
      • Hi Ms Fehl,

        I read some of your posts here. They gave me so much insights on how to invest in the stock world. As a matter of fact, I just opened a trade account link to my bpi account one week ago which is now in process. I just have one more question although the answer to it might just be floating on some of your articles. I’m just having a difficult time finding it though. Anyway my question is.., in case 5000 will be initial funding to my trade account, would that mean that’s always the minimum amount in order for me to buy my preferred stocks or can I buy them less than 5000 on my succeeding transactions? Sorry po beginner din kc ako..

        Reply
        • Hi Helmer. Thank you for visiting my posts. Congrats in starting your stock market investment. The answer to your question is, no, initial funding does not mean you’re required 5K every month or this will be the minimum amount. Initial funding is only required to activate and put funds when opening an account. Once your account is active, you’re in control of everything that’s going to happen. It’s up to you how much you will put money onto it. It’s like a wallet, you fund it when you want to have funds to buy stocks 🙂 The big challenge in your account is what stocks should you buy and invest with. 🙂 If you worry about that, you can join DailyPik.com and follow what I follow in terms of stocks. God bless!

          Reply
  7. Hi ms fehl!meron n ko emergeny fund,td.@gusto q din sna mg invest s uitf @ mutual funds.ask q lng sna if i invest lets say 500k in equity,my chance b or possible b n totally mwala ung pera khit s stable n company?thanks for ur time @merry christmas !God bless

    Reply
  8. Thanks for this site. as mentioned by others, you are helping newbies in financial literacy. my concerns are the following:
    1) for the UITF, i plan to enrol 2 of my children ages 8 and 17, 10k each for 5 years. which is the better choice? BDO EIF or PNB high dividend?
    2) what is your opinion about LTNCDs? are they better than UITFs?
    Thanks for your expertise and time.

    Reply
    • Hi Marl. Thanks I just try to share what could help people earn from their money. 🙂
      1. I recommend both because they are among the top 3 equity funds. You can choose any of the two you have easy access with.
      2. The only heavy benefits for LTNCDs that I like is that they’re insured with PDIC 🙂 But I prefer UITFs than LTNCDs because the UITFs I like are Equity Funds, they produce the highest returns. if you’re conservative, LTNCDs would be cool

      Reply
  9. Hi there,

    NICE BLOG by the way..

    I’m a newbie and i want to invest but don’t know exactly where to put my money.
    I wanna try this one ..”Trading” or the likes.

    I think i’m not ready in STOCK, but i’m more comfortable in Mutual and UITF.
    Here are my questions:

    1. Mutual Funds versus UITF? what are the differences?
    2. How can i earn from these method? how can i get them?(“KITA”) i know my question is so stupid.. but i’m really frustrating…understanding these topics. so sorry for that ;p.
    3. Can you please give me some advices… where to put 500K just in case i have it. vs. regular savings account. ( “TULOG ang pera” 🙂 ).
    4. One more thing, Meron pa bang buying and selling sa MUTUAL funds and UITF?

    Looking forward to hearing from you.

    Thanks,
    Fehl

    Reply
  10. Hi ms fehl!am so interested to invest here in dividend fund..happy that i found your blog,you help a lot @you give us knowledge where to put our earned money.just wanna ask u if do i need to open a savings acct ist to be a member in high dividend fund?tnx!

    Reply
  11. hi Fehl
    Thanks for the article

    btw, Question – Let’s say i bought a share and unit from UITF and Stock market and both of them is the same company (ex:Meralco). Now, in terms of ‘Risk and Profit’ which option has more advantage?

    Thanks!

    Reply
    • Hi Yce. Glad to see you and thank you so much for following my posts here. With UITF, you are involved on many companies. See their Fund Fact Sheet so you’ll know the composition of the UITF and how do they allocate them. I’d say stock market direct investing is more risky because you are in control of it while with UITF, you have already Fund Managers who optimize your FUND. As for profit, it depends upon the strategy and management of funds. It’s like driving a car. If you don’t know or you’re not yet experienced, choose UITF or Mutual Funds for there are already drivers. If you’re skilled and experienced enough with stock market trading and investments, you can drive it yourself already. 🙂

      Just a tip: I started with UITF (Equity Fund) then it took me many months before I directly had myself involved with stocks. It really needs knowledge and learning.

      Reply
      • I see Thanks!

        Well yeah i think it really depends on the strategy because like you say for example, if you use ‘Pesos Cost averaging method’ on a Blue chip stock whether the market is up or down you’ll still get profit. Thou i think it just depends on how much you will invest and the amount of time you’re willing to invest to reach your Goal.

        Cheer! 🙂

        Reply

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