BPI Investment Funds

[blackgreen]

^thank you sis.

sis, paano pagcompute kung break-even na sa UITF? paano sila magbawas nung trust and other fees?

[mxherr5]

Hindi mo mararamdaman yun.
The price(NAV) is already net of taxes and fees.

[nicola_juliano]

Good to see this thread. Mukhang ok din pala sa SB.

[MeganDa]

I opened BPI Mutual Fund account and UITF 7months ago and so far my MF earned 1.5% while UITF earned 9%sometimes 12%   but since new palang ako in investment that time i put more funds sa MF because less risk. Now that I'm into stocks na narealize ko na i should've invested more in UITF or invest regularly. I just subscribed on thier RSP i had to update my risk profile first 

[so_unpredictable]

^ Hi sis MeganDa, just out of curiousity which BPI UITF did you invest in? The Short term fund ba?

[MeganDa]

^equity fund

[fastlove]

Equity   Index  and   Equity  High Div   ang  recommend ko ..

[blackgreen]

Equity index is different from equity fund? Yun equity index under ng BPI Index Fund while yun Equity fund under ng BPI Investment funds? Nalilito ako sa kanila.

[ikaela]

BPI Index Funds (all types) -- Just tracks the index that is its benchmark. For example, the BPI Philippine Equity Index Fund has the same composition as the PSEi, so its performance should be nearly the same as the PSEi's. This is not actively managed.

BPI Equity Value Fund - This one is actively managed by BPI's fund managers. It has so far always underperformed the index, which says a lot about the skills of the fund managers. Masmaganda pa performance nung not-managed index fund.

BPI Philippine High Dividend Equity Fund -- This one mentioned by fastlove is composed more of stocks that pay out dividends like PLDT, SM, BPI, Meralco, Globe, and etc.

[blackgreen]

Thank you sis ikaela

[ikaela]

^Yes, sis, iba-iba. Check mo listahan ng BPI ng funds nila: https://www.bpiassetmanagement.com/pages/products-services-directory/

Actually, maiksi yang 3-5 years ha, lalo na ngayon na peakish ang equities. Make it maybe at least 5-7 or up to 10 years. Historically, the Philippine Stock Index Fund is the best performer among BPI equity funds, but marami na sila ibang products. Parang maganda rin pasukin yung mga European, Asia/Pacific, Emerging Market funds nila (you are invested in international companies, not just Philippine ones), but aaralin ko pa.

[ikaela]

^Congrats on finishing the house construction!

When I started years ago, I put in whatever extra I had. If I had 1k, it went into Philequity. If I had 25k, it all went into Philequity too. Kasi kapag hindi ko ma-invest, for sure may lalabas na ibang pagkakagastusan yun. Maybe you're more disciplined than I am and can do cost-averaging. I for sure couldn't do it.

I also have to say that it was also a bit of beginner's luck on my part that I invested in equity funds when I did. If you look at the PSEi's performance starting 2009, it was the start of the most dazzling bull market the PSEi has ever seen. Wala pa ako kaalam-alam about bull/bear markets noon, kaya swerte talaga. I imagine if I started in 2006-2007, sobrang madidiscourage siguro ako from investing after the crash in 2008.

[foxylady_89]

thanks sis yes been researching nga where to park na yung iipunin ko ngayon.. at yun nga bentang benta ang phil equity fund.. as in tumbling ngayon, actually 2 yung nkita ko na philequity na mganda ang run... parang sumali sa 21k marathon hehe...

gastador din ako,, pero nung 21 yrs old ako, dun ko na narealized na hindi pwedeng palabas lang lahat ng pera   kaya nagplano ako mag construct ng bahay

Very beginner ako sis ha, Im holding a four leaf clover lang this time, at sa help ng mga posts mo...

Yung friend ko nagstart sya sa stock recently, pero di ko kasi kaya, masundan, eh nakita ko sa post mo na ang starting ground mo was MF so dun muna ako since may buhay na patunay na may pera sa mga Mfs..

hahahah .... Kuha na ko ng form sis... Wish me luck luck luck 


BPI Philippine Equity Index Fund. This Fund is available under the Regular Subscription Plan (RSP). 
sis pwede mo po ba iexplain to sis.. tsaka sabi ng teller ng bpi pwede na daw mag enroll online sa bpi.. IM LOST
 

[ikaela]

^Sis, in BPI's Regular Subscription Plan (RSP), a certain amount of money will be deducted from your savings account at a date that you set and automatically invested in the fund of your choosing. For example, you may choose to have 1,000 deducted from your account on the 15th of every month to be invested in the BPI Philippine Equity Index Fund.

[ikaela]

^If you need to be reminded to invest regularly in the fund of your choosing, then go ahead, enroll in the RSP. But if you already have the discipline, there is no need.

You can either print the forms online and submit it to the bank, or go to the bank, ask for forms, and fill them out there. Same banana.

Philippine Stock Index Fund (PSIF) - This one is managed by ALFM and sold through BPI.

BPI Philippine Equity Index Fund - Managed by BPI fund managers. Also just very recently launched in May 2013, so it has no historical performance yet like ALFM's PSIF.

Both funds' year-on-year and year-to-date performances are underperforming the index. The PSIF has the edge in that it has history showing that it's beaten the index, but only by a marginal <1% each year.

But the advantage in investing in these funds is that there are no sales load charges, and if you choose the BPI-managed one, no holding periods too. And, of course, the added convenience, ease of use, and wide access (mobile and internet) for us who already have banking history with BPI.

[so_unpredictable]

If BPI Investment Funds is = UITF. What is BPI Index fund? As BPI Mutual Funds are under ALFM, right? TIA!

[foxylady_89]

nako sis, di ko yan masasagot si sis ikaela lang masipag sa ganyang question and answer portion
alam ko, pareho silang mga uitf... pero iba iba ata ang risk??? hahaha ewan, may nasa naman ako ibang answer ng mga sissies dito pag equity nasa hi-risk na talaga ang fund mo yun ang alam ko pwede din mali yung alam ko, since naduduling na ako kakaback read ng different uitf ng banko

[ikaela]

Ako ba?

The BPI index funds are UITFs.

And yes, the mutual funds BPI has are under ALFM.

[mxherr5]

To add to ikaela's answer

BPI Philippine Equity Index Fund - UITF
Philippine Stock Index Fund - Mutual Fund

[lgf08]

question po about buying units/shares.. for example i wanted to buy some shares from the Philippine Stock Index Fund (NAVPS listed now is 812).. the order cut off listed is 2:30 PM (Pricing Schedule Day 1 End-of-Day).. if i placed my order this morning say at 10AM - will I be paying at the value listed now which is 812 per share OR the value at the end of the day (which is not yet posted)?

TIA