UITF vs. Mutual Funds

[Metz]

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these fees are reflected na sa NAVPU metz... that means, incorporated na na sila sa pricing nila. So, you don't have to worry about that when withdrawing/selling...

Even with MF, naa man gihapon na sila Management Fees, Audit Fees and other fees incorporated na sa NAVPS niya... I'm not sure with custodianship lang if naa ba... but as to the other fees, sure ko ana... Pero di ba, wala kaau mo nag-mind? kay apil naman siya sa computation..

wa man gud gi specify sa ila website nga gikuha na daan sa NAVPU ang ila additional fees.
kay mura mag on top the initial fees ang ako pag sabot.

Sa performance and affordability nalang ato basehan if that's the case.

[honey2723]

wa man gud gi specify sa ila website nga gikuha na daan sa NAVPU ang ila additional fees.
kay mura mag on top the initial fees ang ako pag sabot.

Sa performance and affordability nalang ato basehan if that's the case.

i-declare ra man pud na nila para naay idea ang would-be investors pila ang charge.. pareha ra pud na sa VUL/ILP. declared nga 1.5%-2% ang management fee, but it's already included sa NAVPU...

that's a simpler way to compare UITF and MF, performance and affordability... you can also consider the holding period if you want. with FAMI, 180 days ang holding period, but naay ubang UITF nga 30 days, 90days and 180 days pud... so, mag depende kung unsay appealing sa investor...

[wizard_jamex]

wa man gud gi specify sa ila website nga gikuha na daan sa NAVPU ang ila additional fees.
kay mura mag on top the initial fees ang ako pag sabot.

Sa performance and affordability nalang ato basehan if that's the case.

Adto nalang sa website sa bank nalang bro....sa PNB kay naa man details sa UITF nila. I don't know sa uban.

[Metz]

i-declare ra man pud na nila para naay idea ang would-be investors pila ang charge.. pareha ra pud na sa VUL/ILP. declared nga 1.5%-2% ang management fee, but it's already included sa NAVPU...

that's a simpler way to compare UITF and MF, performance and affordability... you can also consider the holding period if you want. with FAMI, 180 days ang holding period, but naay ubang UITF nga 30 days, 90days and 180 days pud... so, mag depende kung unsay appealing sa investor...

naa sad ka point, although 1% raman ang fee if di makaya ang holding period.

although I always advice my clients nga if mag mutual fund sila, long term jud ang goal aron naa jud ang gain through averaging kay lisod ang short term, kay ma down nya kalit ang market, di nila ma withdraw.

[wealthyhead]

I think UITF has withholding tax because it's a bank product. But this is way better than just time deposits (for long term).

I believe you should go for mutual funds, you can start small. If you have a lot of investible funds (excess money), you can try UITF too. -Diversify

[Metz]

I think UITF has withholding tax because it's a bank product. But this is way better than just time deposits (for long term).

I believe you should go for mutual funds, you can start small. If you have a lot of investible funds (excess money), you can try UITF too. -Diversify

bati-a kung naay withholding tax. di diay limited to normal savings and time deposits ang tax?

[lorenzoleo]

Gusto mu maka tax free upon redemption, go with MF. Diha na kasagaran mga Dato gibutang ilang kwarta para dili ma igo sa tax upon withdraw or redeem. T_T! MF is a tax shield vehicle. T_T! Even big commercial banks like BPI, BSP and Metrobank invested into Mutual Funds. This is where your time-deposits and other long term savings in your bank is being invested. T_T!

Bank is good for Emergency fund and business transactions only, but growing money, you are actually lossing money because of inflation.
Just recentlyt the price of unleaded gasoline already reach Php50+ / liter, months before it was just Php46/Liter. In just in months, price of commodities grows alot. But if you compared with our take home salary, it is not growing too. Hehehe! Kinsay mu asenso ana?

Example : Inflation rate around 7% per year but salary increase around 5% per year or less., then you save your money in the bank around 2% per year, Hehehe! Kinsa may mu asenso sa lossing ang value sa money?

[neshem]

Gusto mu maka tax free upon redemption, go with MF. Diha na kasagaran mga Dato gibutang ilang kwarta para dili ma igo sa tax upon withdraw or redeem. T_T! MF is a tax shield vehicle. T_T! Even big commercial banks like BPI, BSP and Metrobank invested into Mutual Funds. This is where your time-deposits and other long term savings in your bank is being invested. T_T!

Bank is good for Emergency fund and business transactions only, but growing money, you are actually lossing money because of inflation.
Just recentlyt the price of unleaded gasoline already reach Php50+ / liter, months before it was just Php46/Liter. In just in months, price of commodities grows alot. But if you compared with our take home salary, it is not growing too. Hehehe! Kinsay mu asenso ana?

Example : Inflation rate around 7% per year but salary increase around 5% per year or less., then you save your money in the bank around 2% per year, Hehehe! Kinsa may mu asenso sa lossing ang value sa money?

bro iklaro lang nko ha, kana imo gina ingon na tax free kay anytime na nga redemption..or dapat 5 years and 1 day gkan sa pagpalit nimo?

anyone here tried sa fixed incomed or uitf sa bpi?

[Metz]

bro iklaro lang nko ha, kana imo gina ingon na tax free kay anytime na nga redemption..or dapat 5 years and 1 day gkan sa pagpalit nimo?

anyone here tried sa fixed incomed or uitf sa bpi?

bai pwede ra gani pag dawat nimo sa imo investment certificate, file dayon ka ug withdrawal form.
it will take 3 to 6 banking days before ma balhin sa imo bank account ang cash, naa lang 1% charge.

ang tax free gipasabot kay di naka chargean ug tax sa govt upon redemption of you shares to cash. unlike sa bank deposits and time deposits, taxan gihapon ang growth.

kung ganahan ka pa discuss, just PM me, assuming wala pay broker ni contact nimo.

[neshem]

bai pwede ra gani pag dawat nimo sa imo investment certificate, file dayon ka ug withdrawal form.
it will take 3 to 6 banking days before ma balhin sa imo bank account ang cash, naa lang 1% charge.

ang tax free gipasabot kay di naka chargean ug tax sa govt upon redemption of you shares to cash. unlike sa bank deposits and time deposits, taxan gihapon ang growth.

kung ganahan ka pa discuss, just PM me, assuming wala pay broker ni contact nimo.

sure ka bro wala tax anang mga equity fund? wala naka charge apil sa selling charge? sko nahibaw an ma free ka sa tax if ibaligya nimo nimo after 5 years and 1 day gkan sa imo pagpalit..if u want to discuss pwede man cguro dri na lang, para mas daghan makahibalo.