Category: Unit Investment Trust Funds

Event Wrap-up: COL’s Investing Summit Advocates Financial Literacy Among Filipinos

Well, that was fast! Three weeks ago I announced in a blog post about COL’s Smart Investing Summit to help spread the word to fellow Filipinos, and now here I am writing about the exciting and educationally fulfilling event after a press release by its organizers.

COL Financial (which is currently the Philippines’ largest online stock broker), in partnership with SM Investment Corporation, has just successfully concluded their nationwide financial literacy summit called SMart Investing – COL’s 2016 Wealth Building Summit for the Filipino Investor. The summit aimed to educate Filipinos so they can better understand how investing and the stock market works. Continue reading

Mutual Fund Investing with COL Fund Source in Layman's Term

Mutual Fund Investing with COL Fund Source in Layman’s Term

We’ve all used to know that COL Financial is the leading, and quite frankly, the most famous online stock broker here in the Philippines. I’ve also tried investing in the Philippine Stock Market (PSE) with COL Financial, and so far, I’m quite satisfied with their ease of use and streamlined services as I’ve written in my blog post here. But all that changes because just as recent as last year, COL Financial announced COL Fund Source where the company started offering Mutual Funds to its clients as a way of allowing their clients to diversify investments without having to resort to opening Mutual Fund (MF) accounts with other companies, making them the nation’s first Mutual Fund Supermarket, where investing in stocks and various MFs is made easy with only just one centralized investment account. It is a great move by COL to keep their clients’ assets, I must say.

I’m writing this article because I am kinda the curious cat here: Why COL Fund Source, and what sets them apart from other MF investment houses? How has their performance been, and have they lived up to the expectations of their clients since its inception? And also… Continue reading

Which is a better investment Unit Investment Trust Fund UITF or Stock Market

Which is a better investment: UITF or Stock Market?

Today I received a Facebook message from 22 year old Paula, an avid reader of my blog, with below question:

Hi! Your blog is truly an inspiration for a newbie like me. I am incredibly inspired! I’m 22 yo and I am thinking of investing but I am confused where to invest first. Will it be equity fund or in stock market. For your preference, I know this message might be too much info to give, but I want to take a shot. Thanks in advance!!! – Paula

It’s a great question, actually. As someone (myself) who’s not really technically knowledgeable about investments but instead bases his decisions on research, continuous “testing of the waters” and experiences, I think that this question makes a lot of sense and deserves to be shared to the readers of my blog. Continue reading

Difference Between Bull and Bear Markets in Laymans Term

The Difference of Bull and Bear Markets in Layman’s Term

I’ve written about my investments on forex, equity fund, and the stock market, and I thought it’s important to discuss the difference between bull and bear markets for us to better understand and help us in setting our expectations when news outlets announce a bullish or a bearish market. Another excellent benefit of knowing this is that it will make you look smart during discussions with your boss and the executive team at the next company night out. Continue reading

When Should You Invest in an Equity Fund?

In my previous posts on my experiences in investing in BDO Equity Fund, it came to me that through their comments, the most “in demand” questions by my readers are ‘When should I start?’ and ‘Should I wait for the Net Asset Value per Unit (NAVPU) to drop before I come in?’ and ‘What if the NAVPU drops shortly after I came in?’.

Before I give my answer, I am assuming that you are investing for the long term. To be honest, short term investments are very risky as the market tends to move a lot and you tend to get caught in the middle of a downfall of the NAVPU rate when the time of your short term investment is up. Not saying that I’ll never try short term investments again, but I myself tend to be very emotional when it comes to short term trading as seen in my previous post on Forex, so I tend to react to every movement in the charts – which is not good.

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Investing in BDO Equity Fund in Layman’s Term [Part III]

Hey guys,

It’s been a while since my last post on my BDO Equity Fund investment. Let me continue my story to what the current status of my investment is.

When I last discussed about BDO Equity Fund, I mentioned that I have decided to re-invest the money I withdrew from my initial BDO Equity fund investment, which was PHP 11,263.049, last March 5, 2012. The NAVPU at that time was PHP 292.97. Divide the capital [PHP 11,263.049] by its NAVPU [PHP 292.97] and you’ve got 38.44 units.

It was around the first week of June last year (June 2013) that I realized that the NAVPU has already reached PHP 404.52. What a huge increase in its value from when I first acquired my units, hmmm. Then came my greedy and frustrated billionaire instinct – I have available cash and I can see that BDO Equity Fund is performing really well, so I decided to invest a little bit more. To put into figures, I added PHP 100,000.00 in my investment. It’s a risk for me but I was thinking of long term benefits anyway and my money was sleeping in the bank so what the heck. 😛

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Investing in BDO Equity Fund in Layman’s Term [Part II]

Hello brothers and sisters! hehe 😛

Anyway, this is to serve as a continuation to my old article Investing in BDO Equity Fund in Layman’s Term . Please feel free to read through the article as I have posted some technical know-how in BDO Equity Fund Investment. You may also read relevant details through the BDO Site, and Kuya Fitz’ very helpful blog. The historical and current NAVPU may be obtained from MonitorMyFunds.com or Bloomberg.com.

Back to the story :P.

I have then decided to re-invest the money I withdrew from my initial BDO Equity fund investment, which was PHP 11,263.049, last March 5, 2012. The NAVPU at that time was PHP 292.97. Divide the capital [PHP 11,263.049] by its NAVPU [PHP 292.97] and you’ve got 38.44 units . Continue reading

Investing in BDO Equity Fund in Layman’s Term

Hey guys! 😛

I recently had the guts to invest in one of BDO’s Unit Investment Trust Fund [UITF]. After careful reading through BDO site and also on Kuya Fitz’ very helpful blog, I have decided to not wait any longer and go to the nearest BDO branch. After all, P10K [minimum investment for most of their products – most of them with 30 days minimun holding period] is such a small price for me to risk and also for me to have the opportunity to learn by first hand experience.

I went to this BDO branch November 3rd, 2011 [Thursday]. I was really excited to invest and see my money work for me in real-time and I never though that investing could be so easy:

Step 1: They had me choose which type of UITF I would prefer. Since my quick Investor Profile Questionnaire result has conveyed and since I know for myself that I wanted to take the greater risk – I chose the BDO Equity Fund [suitable for those with higher risk tolerance]. Again – P10K [minimum investment for most of their products – most of them with 30 days minimun holding period] is such a small price for me to risk and also for me to have the opportunity to learn by first hand experience.

Step 2: They asked me to fill out a short form and voila! I gave them my P10k, and my certificate followed a week after. I just needed to monitor the NAVPU [explained below] to check how my money is doing.

Here goes the nosebleed part hehe:

*The Net Asset Value per Unit [NAVPU] at that time was 252.80. Since I have invested P10,000, then P10K/252.80 = 39.55 units [this means I have purchased 39.55 units]

*Watch the value of your units from time to time – In my case, I withdrew my funds 17th Feb, 2012. Current NAVPU at the time was 284.78 [please see below image]. 284.78 [NAVPU] x 39.55 Units = PHP 11,263.049. The sum minus PHP 10,000 [my initial investment] is PHP 1, 263.049. This means I have earned PHP 1, 263.049 in more than 4 months! 🙂 Yehey! 😀 Not much, but at least my money has worked for me without me doing anything. Continue reading