Bank Equities

[chubbycheeks20]

^^^ Positive na ang portfolio ko! 

Tataas pa daw ito, see the news:

http://www.bloomberg.com/news/2013-03-27/philippines-wins-first-investment-grade-as-aquino-spurs-growth.html

[entwife]

Tuloy tuloy ang pagtaas ng NAVPU.

[ninjha]

so happy na laki nang taas ngayon ng bdo PBAL namin nag iisip na kami na i out sa monday kung up ang PSE more than 30days na naman.

 kaso ng place din kami sa equity ang taas ng rate haha..

[ampere]

i really want to invest on this one but i don't have any idea how. i have regular account in BPI and i just recently opened a MAXI Saver, paano ba mag-open ng bank equity sa BPI pwede bang online lang kasi im currently based abroad. TIA!

[eischied_21]

^ If you are enrolled in bpiexpressonline then you can apply there directly, print and sign the form, then send it by courier together with other requirements like photcopy of two valid ids, etc.

[ampere]

^thanks sis will check online since uuwi din ako ng May might as well just visit one of their branches. malamang mag-inquire din ako sa BDO tutal sabi ng sisses natin dito mas ok performance nila. 

[eischied_21]

^ Sis, meron form dun na you have to fill out for Risk Profile Assessment so you will know what type of investor ka. Pwede conservative, agressive, etc then may mga types of funds na nagfafall to each type. For example kun Conservative ka more on fixed income lang ang lalabas na choices na pwede mo iselect.

[aircool]

^ Sis, meron form dun na you have to fill out for Risk Profile Assessment so you will know what type of investor ka. Pwede conservative, agressive, etc then may mga types of funds na nagfafall to each type. For example kun Conservative ka more on fixed income lang ang lalabas na choices na pwede mo iselect.

yes sis already done and will only need to go to the branch my question is ako ba ang mamimili nung products according sa RPA or sila, if ever ako anung klase like premium bond ba? or odessy or ekla

[eischied_21]

^ yes you will be the one to choose which fund to subscribe kun equity, balanced, or fixed income funds.

[jmeangeL]

@aircool - the fund that you'll choose would depend on the following:

1.  your profile - low risk, mid-risk or aggressive
2.  investment horizon - short-term, mid-term, long-term... ang long term dito ay more than 10yrs
3.  fund goal - pambili ba yan ng bahay? car? college tuition ng mga bata? dream vacation? retirement plan?

Now, BPI fund ba, Ayala fund or Odyssey Fund?

I would suggest that you stick with either BPI or Ayala Fund.  BPI funds are UITF type of funds.  Ayala Funds are MF type of funds. Magkaka-iba lang sila sa fee at fund allocation.

Forget that Odyssey fund.  Mataas masyado ang entry fee compared sa performance ng fund.

Balanced Fund are always good type of funds.  Best of both worlds.  Hindi man above 15% ang annual earnings, at least naglalaro naman between 8%-12%.  Not bad.

Laking sisi sa Odyssey Fund.  Best fund ito before nabili ng BPI.  Ngayon, wala lang.  Malaki pa kita ng BDO Bond Fund ko kaysa sa High Conv Equity.  Labo di ba?

[bratinella08]

^Oh, sad to know, may Odyssey Div Balanced kasi ako, actually gumaya lang ako sa friend ko, hahaha! usually negative or mababa lang returns, will get balanced fund next, i already have BPI premium bond and equity. Thanks for sis for sharing your insights.

[eischied_21]

sis any idea if [textspeak!] yung dapat kong tignan bago ko piliin if anung investment sa BPI ang kukunin ko

Sis, I suggest research mo sa google which BPI funds give the highest performance for 5 yrs, 3 yrs and YTD and from there dun ka magdecide. Bawal kasi yata magpost ng link dito.

I have ALFM Growth Fund and happy naman ako sa returns. Redeemed all funds from Odyssey Hi Con dahil sya ang kulelat among my 3 MFs and would replace it with Phil Stocks Index Fund.

[Bel_84]

Kelangan ba account holder ka ng bank, say Bdo, para maka transact ng uitf?

[mxherr5]

Sa bdo hindi ko alam kung required ang settlement account
pero kung EIP then yes, required na may account ka sa bank.
Sa BPI, required rin na may account ka sa bank pero its not
a big deal kung wala.

Zero maintaining balance naman ang settlement account eh,
so kung wala kang account. Magoopen ka pero hindi mo kailangan
pondohan.(Note some branches would still require you to maintain
a modest balance, mga 200 or 100 pero depende na rin sa pagiging
aggresibo mo at pwedeng zero balance talaga)

[Bel_84]

^thank you po.

[gab54]

I made a study based on BDO Equity fund history. If u invest in their equity fund:
January 2, 2013 - ex 10000
Feb. 1, 2013 - 10746
Mar. 1, 2013 - 11335
Apr. 1, 2013 - 11801
Apr. 19 (latest) - 12128
Syempre taas baba yan when u look at it daily, pero if we are to believe the forecast na maganda ang Phil economy in the next few years, sigurado pa ang taas. As for me, I invested in fixed income fund, balanced fund and equity fund of BDO. So far, Im very happy with the returns. 

[cruxito]

^sis paanu yan? 10k lang pag open? first timer sana ako very much interested in bdo.

ano sasabihin ko sa bank? and sino kakausapin?

TIA

[pinkberries]

Laking sisi sa Odyssey Fund.  Best fund ito before nabili ng BPI.  Ngayon, wala lang.  Malaki pa kita ng BDO Bond Fund ko kaysa sa High Conv Equity.  Labo di ba?

High Conv Equity kasi sis nasa Mining sector nakalaan most of their fund allocation.  This sector has not been performing well for several months na, so it's expected na mababa din ang returns.   Matatagalan pa bago kumita ng malaki.


mga sis, before you open any investments (UITFs or MFs), check the performance report so you would know the sector holdings of that particular Equity.     Kung naka focus ba sila sa Financial, Industrial, or sa Mining.  Kung mining, iwas muna...   

[gab54]

^sis paanu yan? 10k lang pag open? first timer sana ako very much interested in bdo.

ano sasabihin ko sa bank? and sino kakausapin?

TIA

Sa BDO UITF, 10K minimum investment. 30 days minimum holding period. Inquire ka sa BDO bank manager (although I was told not all BDO branches offer UITF), there are 3 kinds of UITF, depends on your preference & risk appetite
Fixed income fund (low risk, 10-14% history), Equity Fund (high risk, 30-35% history), Balanced Fund (combi of Fixed income & Equity, history 20-25%). Remember lang na there is risk involved in UITF, hindi ito parang time deposit or SDA na siguradong hindi bababa.

[cheezecake]

yung .25% na charge ba ng BDO kelan nila binabawas yun pagka open ng account mo?