Bank Equities

[happy_pomelo]

^Thanks!

I'll look into other banks, consideration ko rin kasi ang accessibility and proximity of a branch.

[Woman of Action]

^^This is helpful for additional info on funds that might be out there.  And there's a LOT!!!

Here's the list of UITF in the Philippines from Bloomberg: http://www.bloomberg.com/markets/funds/country/philippines/

Does anyone diversify their UITFs among various banks? Parang ang hirap naman mag-transact and mag-monitor kung iba-iba.  Personally, I only have 3 UITFs, 2 UITFs in US$ with Citibank (Odyssey Fund which is under BPI) and BPI and 1 Peso UITF also with BPI.  I didn't enroll under RSP, I just plan to add funds monthly through online subscription.

Hi, Sis happy_pomelo!  Very helpful nga po yang bloomberg. I also refer to it. 

Tama ka rin po na dapat magdiversify. Lagi po yang sinasabi ng mga experts. 

Accdg po kay Ramit Sethi, pwede daw gamitin itong Swensen Model of Asset Allocation:

30 percent—Domestic equities: stock funds, including small-, mid-, and large-cap stocks
15 percent—Developed-world international equities: funds from developed foreign countries, including the United Kingdom, Germany, and France
5 percent—Emerging-market equities: funds from developing foreign countries such as China, India, and Brazil. These are riskier than developed- world equities, so don’t go off buying these to fill 95 percent of your portfolio.
20 percent—Real estate funds: also known as REITs, short for real estate investment trust. REITs are funds that invest in mortgages and residential and commercial real estate, both domestically and internationally.
15 percent—Government bonds: fixed-interest securities, which provide predictable income and balance risk in your portfolio. As an asset class, bonds generally return less than stocks.
15 percent—Treasury inflation-protected securities: also known as TIPS, these treasury notes protect against inflation. Eventually you’ll want to own these, but they’d be the last ones I’d get after investing in all the better-returning options first.

Pwede pong same bank pero different funds. 

[gab54]

kaka invest ko lang sa bdo equity this feb8, sabay bumaba agad this week. sabi ng bank manager sakin wag ko tignan araw araw, kasi taas baba talaga ang uitf/mf, pero sa long term taas naman ang trend. hehe, hindi ko natiis, tinignan ko agad, na sad tuloy ako, sana tumaas na at wag na bumaba. 

[yena^_^]

^sis saang branch ka ng BDO nag-open? I planned to open din ng EIP nila pag-uwi ko sa Pinas but I don't know which branch pupuntahan ko, I read somewhere na may branch na di alam yung UITFs nila or ayaw lang dw talagang magpapa-open ng UITF, time deposit lang daw.

[gab54]

BDO masangkay branch, yung bank manager named Jenny nag explain naman ng maayos. Its true hindi lahat ng bank employee marunong mag explain. Kung na explain lang sakin ng maayos, sana matagal na ako nag invest dito

[yena^_^]

^thanks sis

[gorgeous_me]

nag-add ako kanina sa bdo balanced and equity ko sa bdo, chineck ko na din kung magkano na tumubo, hehe, natuwa naman ako, 'cause in just 4 months, I earned 2k+ in equity and 3k+ in balanced funds, mas malaki lang yung amount ko sa balanced

[mypb_1123]

happy to say that my first UITF with BDO (Equity fund) has 40% earnings to date. Invested it last Feb. 2012 (minimum amount lang). Halos everyday, sinisilip ko account ko para mas ma-inspire ako magtipid at mag-invest hahaha. Matibay din naman kasi loob ko sa mga bumps and long term naman kasi ang goal ko for this fund so ok lang.

[yena^_^]

^Yey! Congrats sis , pag-uwi ko sisimulan ko rin to. Pwede matanong magkano minimum requirement to open a BDO equity fund?

[mypb_1123]

^ Thanks! 10K sis

[yena^_^]

^ok..salamat sis..

[pinkberries]

im happy with my BDO Equity also mga sis...    the first certificate has earnings of 52%  and the total average earnings is 27%     My BPI Equity has 25% gain.  Nakakatuwa tignan.   

[yena^_^]

Wow congrats sis pinkberries, galing! Diba nagstostockmarket ka din. Kumusta na?

[gab54]

Anyone here may equity with PNB life? Ganun ba talaga, di ka pa kumikita, tatanggalin na agad nila ng more or less 6% as fund management charge?

[pinkberries]

@sis yena --  yes sis, still in stock market... so happy din, my winning stock is earning 49% as of today and total portfolio gain is 42%.  I'm still not selling... but i've been monitoring the charts.   

[yena^_^]

wow...congrats sis..galing

[mxherr5]

Anyone here may equity with PNB life? Ganun ba talaga, di ka pa kumikita, tatanggalin na agad nila ng more or less 6% as fund management charge?

PNB Life the insurance company not PNB the bank?
Then you probably have a VUL and yes, dami charges

[eischied_21]

@sis yena --  yes sis, still in stock market... so happy din, my winning stock is earning 49% as of today and total portfolio gain is 42%.  I'm still not selling... but i've been monitoring the charts.   

Sis, mind to share when did you start buying the initial investment?

Ako naman, I had my first investment last Sept 2012 and 15% na yun gains.

[gab54]

PNB Life the insurance company not PNB the bank?
Then you probably have a VUL and yes, dami charges

Im not familiar eh, basta I inquired in Allied bank re: equity, since I have sa BDO at BPI, both performing very well. Nagulat nalang ako, when I placed 5M, binawasan agad nila ng g 302K. Tapos sa weekly report nila nalaman ko PNB Life optimum gold ang product na na avail ko. Kaka turn off, dipa kumikita bawas na agad. So I told them pullout nalang, they didnt inform me ganun kalaki ang charges. Buti nalang w/in 15 days pwede naman daw ibalik ang money at mga charges ay ibabalik daw. Pero I have to wait pa daw ng 1 week processing. Hay, time is money...

[yena^_^]

^laki sis, sana mabawi mo lahat.