Unit Investment Trust Funds (uitf)

[Dr_PepPeR]

thanks for the heads up doc, i'll let you know if my clients are interested..

 

please feel free to send me some clients too..i do give large commissions for property referrals.

 

thanks again!

 

No problem sir, just ask if you need more info. For the property referrals do you mean buyers or sellers or property for sale or all of the above?

[misterbig7]

No problem sir, just ask if you need more info. For the property referrals do you mean buyers or sellers or property for sale or all of the above?

 

all of the above..we can help you sell as well.

 

thanks again..

[koolkalangxyz]

I'm thinking of going into UITF's... Hopefully somebody could answer my questions below...

 

1. Would it be better to invest in two kind of funds such as equity fund and balance fund, or just put all your money in a single fund.

2. Is it advisable to invest in two different banks' UITF's or just a single bank?

3. For a newbie investor would it be advisable to invest a significant amount or should I test the water first with just the minimum required funds?

 

thanks a lot...

Edited December 28, 2006 by koolkalangxyz

[Dr_PepPeR]

I'm thinking of going into UITF's... Hopefully somebody could answer my questions below...

 

1. Would it be better to invest in two kind of funds such as equity fund and balance fund, or just put all your money in a single fund.

2. Is it advisable to invest in two different banks' UITF's or just a single bank?

3. For a newbie investor would it be advisable to invest a significant amount or should I test the water first with just the minimum required funds?

 

thanks a lot...

 

1. It would depend on your investment objective. An equity fund has more than 50% of its investments in stocks while a balanced fund has less than 50%. An equity fund would be more volatile in terms of ROI but again the potential for high gains is there. So, again, what is your investment objective? You might be better off with sticking to purely fixed income funds.

 

2. Advisable in terms of what? For convenience you might want to try one bank. If you want to compare service and performance then get more than one bank.

 

3. UITFs are long term in nature so I suggest you only put in what you think you can leave off for more than a year. You can put the minimum in if you only want to test the waters in terms of service, updates, free materials etc.

[mike168]

hi dr pepper ask ko lang sana if youre a banker ba parang rami mo kasi lam sa uitf's hehe

[anarkista]

Hi, Doc Pepper,

 

I got the info below from UITF.dom.ph. I used their calculator to check how my investment is going on so far. Does the figures below say I should have invested in ING Bank instead of BDO? I am not sure if I still have to check other details than the figures already mentioned below..

 

 

BDO Peso Bond Fund

Investment Date NAVpU 1,210.422800

Cut-off Date NAVpU 1,222.820500

Current Market Value 151,536.37

Unrealized Gain/(Loss) 1,536.37

No. of Days Lapsed 27 days

Return on Investment (Absolute) 1.0242 %

 

ING Bank Peso Bond Fund

Investment Date NAVpU 148.380386

Cut-off Date NAVpU 152.010541

Current Market Value 153,669.78

Unrealized Gain/(Loss) 3,669.78

No. of Days Lapsed 27 days

Return on Investment (Absolute) 2.4465 %

[Dr_PepPeR]

hi dr pepper ask ko lang sana if youre a banker ba parang rami mo kasi lam sa uitf's hehe

 

Partly sir, Jack-of-all-Trades, master of none.

[Dr_PepPeR]

Hi, Doc Pepper,

 

I got the info below from UITF.dom.ph. I used their calculator to check how my investment is going on so far. Does the figures below say I should have invested in ING Bank instead of BDO? I am not sure if I still have to check other details than the figures already mentioned below..

BDO Peso Bond Fund

Investment Date NAVpU 1,210.422800

Cut-off Date NAVpU 1,222.820500

Current Market Value 151,536.37

Unrealized Gain/(Loss) 1,536.37

No. of Days Lapsed 27 days

Return on Investment (Absolute) 1.0242 %

 

ING Bank Peso Bond Fund

Investment Date NAVpU 148.380386

Cut-off Date NAVpU 152.010541

Current Market Value 153,669.78

Unrealized Gain/(Loss) 3,669.78

No. of Days Lapsed 27 days

Return on Investment (Absolute) 2.4465 %

 

Yes, if you are using that particular time frame, 27 days, to go in and then go out, of course you would have doubled your ROI had you gone into the ING fund. I suggest looking at it over a longer period, maybe the shortest should be 180 days. This would give you a better feel on how the investment manager is performing. Sometimes it is a matter of volatility. Look at BPI's UITF, when it goes up, it goes way way up but when it goes down, it goes really down too. It could be that if the fluctuations of the NAVPUs are not as volatile, you would have a better chance on realizing a better return on a fund that does not seesaw the value of their NAVPUs because if you go out when it is really down, well, you lose.

[golfer697]

Sir, I hope you will bear with me on this. UITFs operate on the mark-to-market principle which means that the assets of the fund are valued at the price they are sold on the financial market. This valuation is done every day so in some ways they behave like stocks in that the values can go up or down on a daily basis. Now, since UITF funds are relatively new, they have a lot of long term investments, which will provide higher rates than short term investments. If the interest rates go down, the demand for long term investments go up, since investors would like to have the higher yielding instruments for a longer term. The opposite happens when interest rates go up. Since demand for short term instruments will thus increase (because investors would like to have the option to shift to other higher yielding investments when the instruments they hold mature), demand for long term goes down, and thus, the market price goes down. Interest rates were either moving down or sideways until a few days ago when it started moving up. Some factors also that may have affected the financial market is that the government has not been borrowing too much (in the form of GS) and the price of oil is still up. NAVPUs started going down as a consequence but the fund managers have started to sell their long term instruments since then so the NAVPUs of most of the UIT Funds will start to go back up as the assets with lower values are taken out of the fund. I know it is very technical but that is really the best I can do. Hope it helped.

[golfer697]

Sorry for that mistake, just new here though I have signed up sometime ago. My question for Dr. Pepper is given your explanation, what would be the effect of the planned central bank cutback on interest rates on the following: 1) Peso UITFs 2) Dollar UITFs 3) ROPs ? Will UITF navpus go down? Thanks Dr. Pepper, from what I have read so far, you seem to be an expert in this field and have been a great help to everyone!!! More Power!!!

[ballybal]

Sir, Ok ba maginvest ngayon sa Balanced Fund or Equity Fund? Parang ang taas kasi ng stocks. Mag cocontinue pa kaya ang pagtaas or bababa after some time?

 

Salamat po.

[living well]

Hello Dr. Pepper,

I'm back!

I would like to ask if you have any info on this:

 

BDO Smart Money Dollar Fund Gold

This is a dollar-denominated common trust fund for high networth dollar investors. Minimum and subsequent investment is $10,000.

 

It states that it is a common trust fund. But hasn't CTFs been scrapped and has been replaced by UITFs?

[anarkista]

Thanks, Doc.

 

Got your point. I am thinking of switching to ING because of their history. Taas ng returns pag tumagal ang investment mo! Well, I'll be frequentky visiting this site for uodates.

 

Thanks ulit!

[jerzz]

Partly sir, Jack-of-all-Trades, master of none.

 

Merong trade na master ah Starts with F :evil:

 

Lets talk about this uitf when we meet together with my friend Talley

[Talley]

Merong trade na master ah Starts with F :evil:

 

Lets talk about this uitf when we meet together with my friend Talley

 

Hi jerzz,

 

Kelan at saan?

 

Long time no see....

 

Regards,

 

Talley