Bank Equities

[gab54]

im also investing for long term, mukhang 5-10 years i wouldnt need the amount i invested in uitf. sabi ng bank manager ko, stay put lang daw coz the market is undergoing "correction", usually bumababa daw before holidays.

[mameejhy]

Okay. Hayaan ko na lang muna dun yung money ko. Nakaka-panic lang. Biglang bagsak. Hehe

Actually, plan ko uli mag-open ng equity sa BDO. Or maybe Balance. Maybe it's good to open today?

Dyan ka kikita, kapag bibili ka kapag bagsak ang market!

[cheezecake]

actually your strategy will depend on your money kasi like my friend she put 1M and yung 1M nya may 600k ng dividends in around 1.3months ngayong bumabagsak mas maganda kung iwithdraw na niya kesa mawala pa yung 600k na dividends but kung lugi ka huwag mong ibebenta kasi magiging totoong loss na instead of paper loss. Now I would say huwag muna bumili for me wait after the election.

[mameejhy]

im also investing for long term, mukhang 5-10 years i wouldnt need the amount i invested in uitf. sabi ng bank manager ko, stay put lang daw coz the market is undergoing "correction", usually bumababa daw before holidays.

Fyi, bababa rin sa Aguust - September

[mameejhy]

actually your strategy will depend on your money kasi like my friend she put 1M and yung 1M nya may 600k ng dividends in around 1.3months ngayong bumabagsak mas maganda kung iwithdraw na niya kesa mawala pa yung 600k na dividends but kung lugi ka huwag mong ibebenta kasi magiging totoong loss na instead of paper loss. Now I would say huwag muna bumili for me wait after the election.

Sis, bakit wait after the election?

[cheezecake]

kasi kapag magulo ang election bababa

[mameejhy]

^ oh, ok

[entwife]

Hindi pa ako bumili. Sa mga nababasa ko, hintay pa nga daw after election.

Yung una ko namang equity, hayaan ko lang muna kahit pa bumaba yung value sa election, yun na ang pinaka long term investment ko. Di ko pa naman kailangan. 

[cheezecake]

pag BDO equity may charges ba kapag nag invest ka?

[gab54]

May charges sila, pero hindi mo naman ramdam kasi yung published rate yun na yun net, bawas na lahat

mukhang nag improve ngayon ang equity, ganun talaga kasabay din ang stock market sa pag taas at pag baba

[cheezecake]

mga how much charges for example 100k nilagay mo how much ang charge?

Bumaba pa rin yung akin grabe within 7 days I lost around 10k in dividends.

[chubbycheeks20]

Pasali.

I'm new in investing. We have balanced and Equity sa BPI. Grabe in 2 weeks, bumagsak. Napaka gandang pagwelcome sa akin diba. hehe. Pero bumabawi na ulit. Sana magtuloy tuloy.

[mxherr5]

mga how much charges for example 100k nilagay mo how much ang charge?

Bumaba pa rin yung akin grabe within 7 days I lost around 10k in dividends.

@cheese, looks like you didn't understand gab's answer.

The trust fee is already imputed in the NAV. i.e. the NAV
should have been 100.00 but because
of the fees, the reported NAV was 99.

So your 100k investment is not directly affected.

Note that this only applies to UITFs

MF do have the charges you are talking about.
They are called sales load.
They usually range from 1-2% of your investment.
And they have tiers, wherein if you have 1M in the fund,
the sales load would be lower.

And I forgot may VAT yan.

So if you invested in say FAMI Equity, they take out
2,240(2k is 2% of 100k and 240 is 12%VAT of 2k)

That's a imaginary computation btw. FAMI's lowest
tier is 2%, I think its lower for 100k investments.

[cheezecake]

^thanks! sorry no idea kc asko sa ganyan. lagay lang ako ng lagay ng money

[entwife]

Ang taas ng BDO Equity ngayon.

[chubbycheeks20]

Bumabawi na ang Equity and Balanced Fund ng BPI. Thank goodness!

[eischied_21]

^ sis, which equity fund ng bpi? BPI Equity Value Fund?

[leelou]

Ang taas ng BDO Equity ngayon.

kainis nga biglang taas, nag-additional placement pa naman kami yesterday afternoon so NAVPU ngayon

[chubbycheeks20]

^ sis, which equity fund ng bpi? BPI Equity Value Fund?

Yes sis. 

[gab54]

So happy, tumaas na naman equity fund :-)