Bank Equities

[gab54]

Ask BDO bank manager nalang, hindi ako familiar when & how they charge coz everytime I placed an investment, net price na agad binibigay sakin, which means bawas na lahat. So hindi ko ramdam.

[mxherr5]

Ano yang 0.25% charge?

[gab54]

Dont know about the .25% charge, ang alam ko may 1% per annum charge ang BDO as management fee

[cheezecake]

I went to BDO this morning the charge is only applicable if you withdraw within 30days of placement

[gab54]

there's management fee, but the published rate is already NET of the management fee.
If early redemption (within 30days), there's 1% charge uli

[cheezecake]

yun nga ang sabi sa akin net of fee na nga daw ang published rate

[gab54]

Since Bdo equity is based on PSEi, Im expecting gains na naman. All time high na naman ang PSEi 

[mxherr5]

Ahh... I got confused and since you didn't refute cheeze's 0.25%
figure, I thought you both were right and knew something I didn't 

[leelou]

we invested in BDO Equity after cut-off ng April 30, funds to be debited from savings account. then May 1, holiday. i was hoping they will place our investment for May 2. pero bakit NAVPU ng May 3 na yung nakuha namin? ganun ba talaga yun? to think 3rd or 4th na naming mag-invest nalilito pa ako haha 

[cheezecake]

I invested at Prulife and Bdo equity sa Prulife 100k earns around 500 per day while sa BDO 325 lang 

[gab54]

we invested in BDO Equity after cut-off ng April 30, funds to be debited from savings account. then May 1, holiday. i was hoping they will place our investment for May 2. pero bakit NAVPU ng May 3 na yung nakuha namin? ganun ba talaga yun? to think 3rd or 4th na naming mag-invest nalilito pa ako haha 

Im not sure, pero ang pagkaka alam ko... When u informed the bank after cut off (april 30), next day na yun. May 1 holiday so no bank. May 2 palang ipapasaok ang pera mo sa equity, pero gabi pa ng May2 malalaman ang rate/unit. So May3 mo malalaman pero sa certificate dapat May2.

[gab54]

I invested at Prulife and Bdo equity sa Prulife 100k earns around 500 per day while sa BDO 325 lang 

Talaga sis? Mas maganda ang Prulife? 80% of my excess money nasa BDO UITF (balanced & equity), so far happy ako sa gains. May mas maganda pa pala? 
Whats the product name of ur Prulife investment?

[leelou]

^^ thanks sis gab. i just checked kasi my account online and May 3 ang nagreflect na date. will wait for and check our COP

[cheezecake]

PIA plus equity sis but they have 3% charge tapos if you withdraw within 5years may 5% na charge.  Sobrang happy yung friend ko dun imagine her 1M is earning 10k per day.

[eischied_21]

To those na may BDO Equity Fund, pwede ba dito magapply online since may online facility naman ang BDO or kelangan pumunta to any BDO branch para makapaginvest sa Equity Fund nila? Thanks

[lime_eds]

@eischied_21, ang alam ko sa branch kelangan mag apply nung BDO equity fund/UITF

[jmeangeL]

To those na may BDO Equity Fund, pwede ba dito magapply online since may online facility naman ang BDO or kelangan pumunta to any BDO branch para makapaginvest sa Equity Fund nila? Thanks

you need to go to their branch to apply for all their investment fund

[eischied_21]

Thanks lime_eds and jmeangeL

Kahit additional investment, need pa din pumunta sa branch?

[gab54]

PIA plus equity sis but they have 3% charge tapos if you withdraw within 5years may 5% na charge.  Sobrang happy yung friend ko dun imagine her 1M is earning 10k per day.

Sobrang wow! Pero I think I might stick with my UITF muna, kasi tapos na yun 30 days holding period, I can actually withdraw na anytime. Sobrang ganda ng gains ng equity ngayon (mutual funds or UITF or stocks) Im not sure hanggang kelan. So bantay lang ako lagi if one day hindi na ok ang bank equities pwede ko ilipat. But Im really hoping tuloy tuloy na ito...

[jmeangeL]

Thanks lime_eds and jmeangeL

Kahit additional investment, need pa din pumunta sa branch?

BDO offers 2 kinds of investment scheme.  Straight thru where the minimum investment amount is 10K.  I think additional investment should also be divisible by this amount. yes, you need to go to the bank for additional investments.

or the EIP, where 1K is the minimum investment amount under an auto-debit arrangement.  no need to go to bank for your additional investments.  but you need an SA or CA with BDO to facilitate the auto-debit arrangement.