Mutual Funds VS UITF

[I'm Pawesome]

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additional info lang for number 2:

Di na ma reinvested same-day nig redeem. naa pa ny floating period pra makuha nimo ang cash/check or ditso ma credit sa imo account. The moment you have it, so pwede na i-reinvest.

cut-off time: 12noon
so beyond that, will mean the next banking day na ma invested.
@nowayL,
Big Wave 4 nmn diay daw ta ron uy. na busy.
pero hapit nmn ang end cycle sa big wave 4 so it's good for accumulation na, either na pai last dip or upward trend na.

ahh, so dili diay na nimo makuha daun ang cash? but anytime pwede raka mka file ug redemption?
dpat ba naa pakoy savings account sa BDO before mka open ug UITF ?
Unsa diay requirements para maka start/invest ko sa BDO UITF - Equity ? naa mo idea? Thanks diay sa pag tubag ninyo

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Tubag gamay:

1. Pwede kwaon anytime. Mas maayo mas dako ang value per unit inig-kuha nimo para mo gain ka.
2. Pwede kaayo.
3. Dili automatic Bro, imoha sa gyud i-redeem nya buy nasad ug balik.

Dili pako expert ani Bro pero maka-share lang ko gamay.


BTW, back to the ball game nata guys .... hehe

so mas maayo dagko ang units inig redeem sir? and based sa gi sulti ni cebu.opp dili nimo ma kuha daun that day so mas-maayo if mag-atang napd ka ug when barato ang units ayha ka mag re-invest?

[cebu.opportunities]

@I'm Pawesome,
Please refer to the link provided pra sa req'ts if you open BDO UITF:
https://www.bdo.com.ph/personal/trus...nt-trust-funds

you can redeem during banking days (except for holidays), cut-off time is 12 noon and beyond that ky next banking day ma redeem, same goes to investing.
ang downside sa early redemption is that you will charged ranging from 0.5% (other UITFs) to 1% (Equity) of the Original Participation Amount (pila starting amount pag-invest/raw principal amount).
another thing to consider is the navpu during redemption. make sure nga ma cover tanan costs (if ever i-preterminate) pra di ka lugi.

[I'm Pawesome]

make sure nga ma cover tanan costs (if ever i-preterminate) pra di ka lugi.

mejo wa ko ka-gets ani sis dah.

[cebu.opportunities]

30 calendar days holding period ang BDO Peso UITF's. While ang USD ky 45 days.

if mo redeem ka earlier than the specified holding period, chargan man ka so see to it nga bisan ma chargan ka, you still gain.
unless you have other justifiable reasons.

[I'm Pawesome]

30 calendar days holding period ang BDO Peso UITF's. While ang USD ky 45 days.

if mo redeem ka earlier than the specified holding period, chargan man ka so see to it nga bisan ma chargan ka, you still gain.
unless you have other justifiable reasons.

ahh, ok miss but if mo lapas na ok naman sa? Naa nag advice nako sa pikas thread miss nga mas maayo dili nlng i-redeem mo buy nlng daw kag additional nga units para magkadaghan imo units tnx a lot diay

[cebu.opportunities]

@I'm Pawesome, yup, I've read it, hehe...
ideally, intended man gyud ni siya for long term...
previous replies ky base rpud sa imong queries, hehe

[rpatsy]

ahh, so dili diay na nimo makuha daun ang cash? but anytime pwede raka mka file ug redemption?
dpat ba naa pakoy savings account sa BDO before mka open ug UITF ?
Unsa diay requirements para maka start/invest ko sa BDO UITF - Equity ? naa mo idea? Thanks diay sa pag tubag ninyo

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so mas maayo dagko ang units inig redeem sir? and based sa gi sulti ni cebu.opp dili nimo ma kuha daun that day so mas-maayo if mag-atang napd ka ug when barato ang units ayha ka mag re-invest?

ms pawesome, additional guide ni ha. No need naman guro open ka savings account, basta da lang ID picture 1x1, photocopy of 2 valid IDs, then original & photocopy of proof of billing nga imo jud name nakabutang and if di ikaw, pabuhat ug letter of certification nga resident ka sa address given and photocopy sa ID sa mosign, then mag quiz quiz paka before open jud UITF account. Kung equity fund imo, make sure jud nga ang total sa imo score kay mo-suffice para equity fund, makita ra na sa test paper ang total scores for a certain fund, hehehe. Dapat high risk investor ka then pang long term imo goal pag invest. Kung EIP daw, dili pa jud ma invest like if 1K pa lang fund nimo, nig abot ra jud daw sa 10k nga minimum sa Equity fund, then saka paka tagaan ug certificate of participation (COP). Sa BDO SM north wing, gamay ra tao pero 11am ila cutoff.

[I'm Pawesome]

ms pawesome, additional guide ni ha. No need naman guro open ka savings account, basta da lang ID picture 1x1, photocopy of 2 valid IDs, then original & photocopy of proof of billing nga imo jud name nakabutang and if di ikaw, pabuhat ug letter of certification nga resident ka sa address given and photocopy sa ID sa mosign, then mag quiz quiz paka before open jud UITF account. Kung equity fund imo, make sure jud nga ang total sa imo score kay mo-suffice para equity fund, makita ra na sa test paper ang total scores for a certain fund, hehehe. Dapat high risk investor ka then pang long term imo goal pag invest. Kung EIP daw, dili pa jud ma invest like if 1K pa lang fund nimo, nig abot ra jud daw sa 10k nga minimum sa Equity fund, then saka paka tagaan ug certificate of participation (COP). Sa BDO SM north wing, gamay ra tao pero 11am ila cutoff.

Wow! tnx sa info miss, BTW, before anything else lalaki diay ko! HAHA. unya what if nag boarding house rako miss? asa man ko magpabuhat anang letter2? dili pwede payslip lng nako? haha. Salamat kaayo sa info ha. another thing, what if dili ko ka pasar sa quiz? paita ana oi, di ko ka invest?

[medwarc]

Wow! tnx sa info miss, BTW, before anything else lalaki diay ko! HAHA. unya what if nag boarding house rako miss? asa man ko magpabuhat anang letter2? dili pwede payslip lng nako? haha. Salamat kaayo sa info ha. another thing, what if dili ko ka pasar sa quiz? paita ana oi, di ko ka invest?

let me share what I know about the quiz she is telling. i believe it's just an evaluation of your risk appetite, same in philequity where one of their requirements is to fill up the evaluation form. by that exam, they will know your goal in investing and can recommend what kind of mutual fund should you be... wala may mahagbong ani, just an evaluation lang jud...

[cebu.opportunities]

additional info lang pud bout sa evaluation sa imo risk profile:

if ever your risk appetite score didn't reach the suitable score for high risks investments but then you really "insist"/want to invest sa Equity Fund for example, then pa-signon raka nila og waiver pra maka-invest ra gihapon. by the way, bisan pa in line or "legible" ka mo invest according to your risk appetite, pa-signon man gihapon waiver nga you understand and accept the fact that returns are not guaranteed.

bahin sa lain tao mo invest for you, pwede ra as long as naka-sign mo both nga authorize siya to do so. mura rmn to checklist sa transactions nga gi-authorize nimo siya. they allow that basta naa sa pinas ga stay.

but if OFW unya ganahan mo invest under their name (OFW), di sila mo allow ky kailangan gyud daw ang signature man. so in this case, it's the OFW's risks if ever mo okay ra sila ipa-invest under sa authorized person's name nga gi-entrust nila to invest so on their behalf.