Bank Equities

[pinkberries]

Let's talk about Equities (UITF), mga sis... 

Sino na nakapaginvest on this? Do you invest on different bank equities?  Do you watch them race and see which bank gains more?  And how do you cope when it goes down to negative? 

Comments and suggestions, please share them.

 

[mameejhy]

I'm interested too, particularly with BDO and BPI UITFs.

[pinkberries]

newbie pa kasi ako dito, kaya im so interested to hear the feedback of our sisses  here... 

one month pa lang equity ko sa bpi and got 6% increase.  10% sana yon pero bumagsak kahapon.  yong sa bdo naman, EIP  kaya maghihintay pa ako ng 3 years to know the return. 

im planning to open equity sa security bank.  iba kasi portfolio nila, mataas ang fund allocation/equity portion sa financials, sa bpi industrials naman sila.    kaya medyo nabawasan ang yield ng bpi equity when pcor, edc, ap went down.   analysis ko lang naman yan, not saying im 100% right.   

feedback about sec bank's equity, mga sis?

[Sugar]

How much nilalagay no sa equities?

[pinkberries]

^ sis, depende yong sa akin.  may isa akong EIP kaya nagiipon pa siya.  5K a month.  Yong isa naman, bpi equity 50K.   Next ko iinvest, 150k.... but may nabasa ako regarding BPI PSEI sa other thread, so  I might opt that instead. 

bpi's minimum investment is 10k and usually has a holding period of 3-6 months.  pero mas maganda kung 2-3 years.  some would even choose to keep their investment more than 5 yrs.

I'm interested too, particularly with BDO and BPI UITFs.

sis, how's your equity doing?  do you also monitor your UITFs sis? 

[mameejhy]

Sis, wala pa akong UITFs; mutual funds pa Lang sa FAMI (equity & balanced)

ETA: Alin BDO & BPI UITFs ang maganda ang performance? Dyan lang ako may accounts kaya dyan lang ako mag oopen

[soumy01]

sis yung bpi psei din ang iniisip naming sunod na inopen. pero iniisip pa,baka hindi na muna kami pumasok ng COL, kapag ito kasi diversified na agad yung pera. tutal sa ngayun blue chips lang naman din ang balak kong bilhin.

newbie pa rin kami sa uitf eh since nov lang naman kami nag start. sa ngayun hindi kami nag open ng puro equities sa ibat ibang bank (bdo saka bpi-odyssey funds) , ang ginawa namin iba ibang funds lang (money market,balance,equities) para balance yung portfolio namin.

pero kung mag open ulit ako ng equity , isunod ko yung ucpb.

[pinkberries]

Sis, wala pa akong UITFs; mutual funds pa Lang sa FAMI (equity & balanced)

ETA: Alin BDO & BPI UITFs ang maganda ang performance? Dyan lang ako may accounts kaya dyan lang ako mag oopen

actually sis, i cant tell for sure.  pero if we based it sa site na to:  http://www.monitormyfunds.com/
it shows that bdo performs better.  EIP kasi yong sa akin sa BDO kaya na-aaverage ang profits.  Pero so far, it's 8% increase in 3 months.  BPI is 4% in one month, it dropped another 1%   

sis yung bpi psei din ang iniisip naming sunod na inopen. pero iniisip pa,baka hindi na muna kami pumasok ng COL, kapag ito kasi diversified na agad yung pera. tutal sa ngayun blue chips lang naman din ang balak kong bilhin.

newbie pa rin kami sa uitf eh since nov lang naman kami nag start. sa ngayun hindi kami nag open ng puro equities sa ibat ibang bank (bdo saka bpi-odyssey funds) , ang ginawa namin iba ibang funds lang (money market,balance,equities) para balance yung portfolio namin.

pero kung mag open ulit ako ng equity , isunod ko yung ucpb.

true, diversified na agad sis.  kaya naisip ko din na magandang magopen niyan.  medyo mataas nga lang ang navpu niya.   maganda ang portfolio mo sis, meron lahat - low, medium, and high risk

kamusta ang portfolio ng ucpb? i mean anong sector ang mas malaking fund allocation nila sis?

[mameejhy]

sis yung bpi psei din ang iniisip naming sunod na inopen. pero iniisip pa,baka hindi na muna kami pumasok ng COL, kapag ito kasi diversified na agad yung pera. tutal sa ngayun blue chips lang naman din ang balak kong bilhin.

newbie pa rin kami sa uitf eh since nov lang naman kami nag start. sa ngayun hindi kami nag open ng puro equities sa ibat ibang bank (bdo saka bpi-odyssey funds) , ang ginawa namin iba ibang funds lang (money market,balance,equities) para balance yung portfolio namin.

Nice portfolio, sis - diversified by companies and by funds! 

As of now, FAMI mutual funds pa lang ang meron ako pero diversified rin, like yours (Balanced & Equity). I plan to have PhilEquity next - same funds. I'm currently abroad hence I can't open a BDO UITF account; I don't have BPI online account, also... I'll try COL first but, I'll buy blue chips only para sure hehe

actually sis, i cant tell for sure.  pero if we based it sa site na to:  http://www.monitormyfunds.com/
it shows that bdo performs better.  EIP kasi yong sa akin sa BDO kaya na-aaverage ang profits.  Pero so far, it's 8% increase in 3 months.  BPI is 4% in one month, it dropped another 1%   

I checked it now - oo nga, mababa ang BPI vs. BDO tsk tsk... Pero, malay natin babawi naman in the future? Mas malaki ba ang returns kapag hindi EIP?

[soumy01]

di talaga kagandahan ang performance ng bpi.

sis hindi ko rin alam composition ng holdings ng ucpb ,wala kasing masyadong info sa website nila,useless.pero pagnagcocompare compare ako dati ng mga performance ng funds, maganda rin yung sa ucpb,consistent din.

yung odyssey funds ,ang major allocation nila nasa mining.

[ann08]

Hi sis, usually ba ilang years ang holding period ng mga equities? at san po makikita yung thread about bpi psei? thanks much.

pwede rin ba dito mag withdraw lang ng profit ng principal money then iretain ang principal?

[soumy01]

iba iba ang holding period eh may 15 days,30,60,90... bdo-one month,odyssey fund 15 days, upb- 60 days.

wala atang specific thread dito na para sa bpi psei,hindi ko lang sure. fund ito ng ALFM  (mutual fund ng bpi).

ang redemption depende rin sa bank eh,bdo kaylangan iout mo lahat muna ,then magopen ka na lang ulit. bpi pwede partial redemption (hindi ko sure kung ang NAVpU ng fund mo ay gagalaw).

[ann08]

thanks sis soumy. idea ko kasi sa equities eh long term yung tipong 3 to 5 years? or bond yun? bombarded ng info today.

kung tapos na yung holding period, lets say sa 30 days, may tatawag pa from bank sa akin tapos iinform ako about that and will ask kung i-extend pa? thanks po

[soumy01]

maiksi lang holding period ng uitf. pero maganda kung long term din ang goal mo.
may mga bond fund din kasi sa uitf.

add ko sa sagot ko sa kabilang thread, wala namang maturity period sa uitf.

[mxherr5]

@ann, like soumy said, its not a maturity period but
a holding period.

Mutual funds and UITFs have holding periods to
discourage short term trading as this would generate
expenses for the fund and would be detrimental to
the fund as a whole.

Its not a maturity period.

Imagine if you invested today and the fund manager
bought PLDT stocks. The next day, the fund's NAV
went up and you decided to redeem your units/shares
If the fund manager didn't have any liquid cash to
service your redemption, he would be forced to sell
his current stock holdings which means expenses.
Unnecessary expenses.

Now imagine if there was no holding period and every
investor invested and redeemed multiple times in a month.
It would result to a lot of trading expenses.

Its a simplified example but that's the gist of it.

[pinkberries]

di talaga kagandahan ang performance ng bpi.

sis hindi ko rin alam composition ng holdings ng ucpb ,wala kasing masyadong info sa website nila,useless.pero pagnagcocompare compare ako dati ng mga performance ng funds, maganda rin yung sa ucpb,consistent din.

yung odyssey funds ,ang major allocation nila nasa mining.

oo nga sis, when i also checked their performance last year, mas okay ang bdo.  di ko pa nacheck ang sa ucpb, lately ko lang din na check ang sec bank.

regarding sa BPI PSEI, do you know sis if we can also monitor it online? It's more convenient kasi if we can do that as well as partial redemption.  I haven't tried ALFM pa.

[mxherr5]

BPI's UITF can be monitored online and there's a subscription option for AFLM online too
so the answer should be yes. But I only have BPI's UITF. Coming soon pa ang AFLM 

[soumy01]

2010- top 2 ang equity fund ng ucpb, 2011 top 3 naman,mas maganda pa performance nila kesa sa bdo.  http://www.pinoymoneytalk.com/bank-uitf-returns-2011/

mxhher di ba may ucpb ka? tanong ko lang stated kasi dun sa features ng mga funds nila may tax-paid 20% . ano ba yun i-dededuct after ng navpu, idededuct dun sa gain ng principal. o same sa bdo sa bpi na lahat ng charges pasok na sa navpu,net na wala ng ibang idededuct, kung ano yung gain ng principal yun na yun.

[pinkberries]

^^me too, ala pa ako ALFM and Odyssey funds.    if i can't monitor it thru my online account, parang hindi kasi ako comfortable...   Pero oo nga, may mutual funds pala nakalagay sa investment accounts, so pwede. 

[mxherr5]

@soumy, yes I do. You can ignore that. It works just like
BDO and BPI's UITF