BPI Investment Funds

[marikit26]

Hello, a friend of mine does have a fund on BPI. I think it's a bond fund kasi after 5 yrs. Palang niya mawiwithdraw yun. She's not familiar sa name ng fund na inaapplyan niya. Ang initial investment niya is 50k then every year she needs to add 50k. Familiar ba kayo dito? She guaranteed me na it will grow. No loses daw. I tried to check their site but halos lahat ng funds ng BPI ang minimun is 10k.

[ikaela]

^That sounds like a VUL, the one tied up with insurance.

Yung funds ng BPI mismo, the Unit Investment Trust Funds (UITFs), walang mga holding periods yun. Meaning, pwede mo i-withdraw kahit kailan mo gusto. Hindi yung after 5 years mo pa lang pwede i-withdraw without fees. Yung mga VULs, yun yung mga may mga long holding periods and high withdrawal charges to dissuade the client from getting his/her money.

Kung bond fund nga yung pinag-invest-an, very minimal nga ang risk na magkaroon ng losses. It's not 100% guaranteed no loss (no investment ever is),  but the chances are small. As always, if the risk is low, the reward is also low. You can't expect high returns in a bond fund.

[KrabbyPatty!]

Hi mga sis I've been backreading kasi nagpaplan na ako mag-invest. And chineck ko yung equity funds ay naka-negative and yung long term bond funds ay positive. Ano ang difference nilang dalawa? Mas okay ba sa ABF Philippines Bond Index Fund kesa sa BPI equity? Please help thanks!

[ikaela]

^Equity funds: invested in high-risk, aggressive investments

Bond funds: invested in low-risk, conservative investments

Philippine equities haven't been performing well since April 2015, that's why they are in the negatives now. But over the long term (5 years or more), they have posted positive returns of as much as 11-12% per year. Equities/stocks also still remain to be the best and top-performing asset type.

If you don't like to take risks and foresee that you will be using your invested money soon, stick with bond funds.

If you are investing for something long-term (dream house, retirement, kids' college education) and know that you will not be needing/touching the money, go with equity funds.

[ynazki]

Hi, I made a partial redemption on my BPI Philippine High Dividend Equity Fund because I just wanted to experience redeeming the earned interest. I guess hindi naging clear sakin yung process.  Ganun ba talaga, [textspeak!] redeemed amount madededuct sa orginal invested amount? I thought whatever earned interest, un [textspeak!] mareredeem ko. TIA sa sasagot

[mxherr5]

Yes ynazki, how do you think you earn? The price goes up and you sell your units.

You can think of it like this.
You have 100 pesos
A pencil costs 1 pesos.

You use your money to buy pencils and you get 100 pencils.

100 pencils x 1 peso = 100 pesos

Now let's say a week later the price went down to 0.50 pesos so now you have

100 pencils x 0.50 pesos = 50 pesos

If you sold all of your 100 pencils then, you would have taken a 50% hit,
otherwise called REALIZED GAIN/LOSS if you don't do anything it's called
PAPER GAIN/LOSS

Now let's say it's a month later and the price of pencils has recovered and it's now
2 pesos per pencil so now you have

100 pencils x 2 pesos = 200 pesos.

You decide you want to redeem and get your 100 pesos earnings.

You then have to sell 50 pencils. Again 50 pencils x 2 pesos = 100 pesos.
So you get 100 pesos and since you still have 50 pencils at 2 pesos, your
original 100 peso investment is still intact.

Hope that clears things up.

[pocahontas]

mga sis, is there a perfect timing as to when to open a uitf account with bpi?

[ikaela]

^If you mean perfect timing in investing in equities through a managed fund, then yes. The perfect time was back in 2009. The next best time is right now.

[KrabbyPatty!]

 I just opened a UITF account kanina. BPI Equity Value and Equity Index Fund. Minimum investment of 10k muna ako kasi kinakapa ko pa ang investing. sa monday pa raw makakabili ng units since naabutan ako ng cut-off kaninang 2:30pm and bukas magpaprocess pa daw. Good luck to all of us! Happy investing!

[Jade_D]

Hi mga sis,

Tanong ko lang po sana kung papano i-turn off yung option na makareceive ng letter sa bahay everytime na may gagawing changes or transaction sa UITF online.

Nagpunta po kasi ako ng BPI tapos sabi nila online daw yun gingagawa pero di ko po talaga makita eh.

I emailed them as well pero wala pa ding reply until now.

[shyreen]

Hello, a friend of mine does have a fund on BPI. I think it's a bond fund kasi after 5 yrs. Palang niya mawiwithdraw yun. She's not familiar sa name ng fund na inaapplyan niya. Ang initial investment niya is 50k then every year she needs to add 50k. Familiar ba kayo dito? She guaranteed me na it will grow. No loses daw. I tried to check their site but halos lahat ng funds ng BPI ang minimun is 10k.

I think BPI Philam ang tawag dun (Life Insurance + Investment). We just opened an account last week, every year 50k yung kukunin sayo ni Philam for investment then the rest ng pera mo sa acct is savings mo na sa BPI. Insured ka na tapos after 5 years tapos na yung policy mu at kumita nadin yung pera mo.

[mikaelavhan]

up ko lang toh mga sis..katatapos ko lang magback read pero wala ako magets hehe.slow lang! ano ba maganda iopen na investment sa bpi? plan namin yung pang long term.tapos aggressive sana.then pabayaan nalang.at saka yung di na magadd monthly..
thanks sa makakapansin!

[gorgeous_me]

^sis, kung gusto mo ng aggressive, sa mga equity funds ka, punta ka lang sa bpi, may docu na papa-asses sayo, kung gusto mo online transaction, pwede na din nila ipasok yun sa account mo..ganon ginagawa ko e

anyway, ang saya lang, at least nabawi na yung nalugi dati, for the first time, nagwithdraw ako ng interest, hehe

[KrabbyPatty!]

Sana magtuloy tuloy yung gain and tumaas pa lalo!! 

[j.adore]

Lugi pa din yung sa akin haha but onti na lang..

[mikaelavhan]

^thank you sis..uu plano namin yung mutual funds (equity value fund)  initial investment is 10k? pag ganun ba sis mag add ng 1k monthly anoh?check ko sa online nila e.pede naman ipark nalang at di na magadd ba or kahit magkno iadd ko diba?

[gorgeous_me]

^yup sis, 10k ang initial, pero hindi required mag-add, kung kelan mo gusto, well dapat kung kelan mababa yung value ako matagal na din akong hindi nag add, kasi hindi pa bumababa, which is good, hehe

pero nasa sayo kung gusto mag add, para malaki din ang tubo
pero siyempre, malaki din ang bagsak kapag talagang bagsak, na sana hindi na mangyari, hehe

[mikaelavhan]

^bat ganun sis. sinabi ko sa bank na gusto ko yung equity value fund..at sinabi ko na din na initial investment is 10k lang.(ayun sa nabasa ko sa site nila). 50k daw initial(pag 1time) then every year mag add ng 50 k. (for 10year ) tapos may insurance daw un.eh diba pag trust product(ayun sa pagkakaintindi ko ,dapat hindi sya insured). hays..

[perasense]

^bat ganun sis. sinabi ko sa bank na gusto ko yung equity value fund..at sinabi ko na din na initial investment is 10k lang.(ayun sa nabasa ko sa site nila). 50k daw initial(pag 1time) then every year mag add ng 50 k. (for 10year ) tapos may insurance daw un.eh diba pag trust product(ayun sa pagkakaintindi ko ,dapat hindi sya insured). hays..

malamang di ka naintindihan nung nakausap mo, at ang inexplain sa iyo eh yung VUL ng BPI-Philam.

minsan kasi, yung regular na staff ng branches di talag nila alam ang UITF offerings nila.

i remember when i opened mine, ni hindi nila alam kung difference between aggressive at conservative funds.

try to talk to a branch manager or officer, and make sure na UITF at hindi insurang ang i-explain nila sa iyo.

[gorgeous_me]

^bat ganun sis. sinabi ko sa bank na gusto ko yung equity value fund..at sinabi ko na din na initial investment is 10k lang.(ayun sa nabasa ko sa site nila). 50k daw initial(pag 1time) then every year mag add ng 50 k. (for 10year ) tapos may insurance daw un.eh diba pag trust product(ayun sa pagkakaintindi ko ,dapat hindi sya insured). hays..

true, correct si sis perasense..
don't go to the counter, or staff, just talk to the manager, and tell them that you're interested on their UITF.
no insurance required yun
ako din e, hindi ako sa staff non, sa manager ako nakapag-usap , baka iba pa ma-offer sayo nung staff