BDO: Unit Investment Trust Fund Product Catalogue
This article is posted under In Focus, Income Opportunities, Investing.I was sorting through my letters last week when I noticed a Unit Investment Trust Fund product catalogue from BDO among them.
I remember asking a BDO trust and investment officer for their UITF brochure a couple of months ago and I’m glad she was able to furnish me a copy of this through mail.
“We find ways” – that’s the BDO slogan. But how many exact ways do they have when it comes to investment and trust funds. Here are the various products that they offer.
I’ve grouped them into three types: conservative, moderate and aggressive. If you’re thinking of investing with BDO UITFs, it helps to already know exactly what they offer and have an idea which one you’d like.
This will greatly save you time in the bank because the investment officer can skip explaining the general details of their UITF products and can immediately start discussing more in-depth information about the products you’re interested in.
CONSERVATIVE
Suitable for risk-averse investors who are looking for safe and liquid investments with yields relatively higher than those of savings and time deposit accounts. In order to minimize risks and maximize earning potential, participants are recommended to stay invested in the fund for at least six (6) months.
BDO Peso Money Market Fund and BDO Dollar Money Market Fund
These Funds aim for capital preservation, income generation and liquidity from low-risk investments with a portfolio weighted average life of not more than one (1) year. They provides the highest liquidity and safety for your money.
MODERATE
Suitable for risk-tolerant investors who are looking for higher yields and are willing to take the attendant risks due to the medium term nature of the fund’s investments. In order to minimize risks and maximize earning potential, participants are recommended to stay invested in the fund for at least three (3) years.
BDO Peso Bond Fund and BDO Dollar Bond Fund
These Funds aim for capital appreciation over the medium term by investing its assets in higher yielding bonds and other similar fixed income securities with a portfolio weighted average life of more than one (1) year.
BDO GS Fund
The Fund aims for capital preservation and income generation from investments in a diversified portfolio consisting basically of prudently selected government securities that can provide higher yields.
BDO Peso Fixed Income Fund
The Fund aims to provide a high level of income with preservation of principal and maintenance of liquidity by investing in a combination of short-term and long-term fixed-income securities.
EPCIB US Dollar Fund
The Fund aims to achieve long-term growth by diversifying into prudently selected foreign currency-denominated sovereign and corporate bonds with a portfolio weighted average life of more than one (1) year.
AGGRESSIVE
Suitable for risk-taking investors who are aware of the opportunity for high yields that stock market investments may provide but are also knowledgeable of the possibility of capital losses that such investments may entail. In order to minimize risks and maximize earning potential, participants are recommended to stay invested in the fund for more than three (3) years.
BDO Peso Balanced Fund
The Fund aims to achieve captial appreciation over the medium-term by investing primarily in equities and to some extent in fixed-income securities, the allocation of which shall be determined by the Trustee depending on market conditions.
BDO Equity Fund
The Fund aims to provide a professionally managed portfolio seeking primarily capital growth over the medium to long-term by investing in a selection of exchange-listed equities.
That’s it. I hope I was able to give you some helpful information about the BDO Investment and Trust products. If you’re interested in any of the investment funds above, then please visit any Banco De Oro branch near you.
Lastly, I would like to clarify that I am not connected to BDO and this post is not sponsored by them. This article is part of In Focus wherein I try give specific information about products, people and businesses that my readers might find interesting and useful.
Also, just in case you’re with BPI, here’s a list of the BPI Investment Funds.
Furthermore, if you’re new to investing then I hope you take time to read my series of posts on how to start investing for beginners.
If you’d like to receive more Philippine investment information, please subscribe to Ready To Be Rich.
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Hi, my name is Fitz and this is my blog on personal finance.
Hi Fitz,
I was hoping you could also give us an idea on around how much is the minimum cash out for each type of investment.
Thanks!
I could relate to this article..From September 2009 to February 2010, I have invested a total of Php 50,000.00 in BDO’s Equity Fund. I have a total of 310.9092 units. As of today the Equity Fund’s NAVPU is 185.6651, meaning the value of my investment is now Php 57,725.17!
I am a subscriber of this blog and it helps me a lot in learning how to properly save and invest my money.
Thanks!
@Celine
The minimum investment varies with each product but in general, it’s P100,000 for the conservative investments and as little as P10,000 for the aggressive ones. For the dollar investments, it’s $2,000.
I’m glad I read this post. I still remember back in 2006 when I first started investing with BDO’s UITF. It was a defining moment for me as I quit my work with a FMCG company and ventured into the financial industry and has since made a career out of it.
Keep it up! People do benefit from blog such as yours!
Thanks for sharing this Focus Article about BDO UITF! Php50,000 to Php57,725.17 equates to 15.45% gain in 5 months! Good for you Pinoy Wealth Builders. More power to you and to Sir Fitz!
@celine
Minimum investment for the BDO Equity Fund (the one I invested in) is only P10,000.00. You can visit any BDO branch nearest to you. If you’re interested to invest, they will have you answer a questionnaire to determine what type of product best suits your appetite for risk.
Hi Fitz, thank you for the informative article. If you don’t mind, which BDO branch did you go to? I don’t see this brochure in my BDO branch in Pque.
@silent_investor – I went to the BDO branch in Las Pinas. Yes, it’s not readily available in their branch. I had to request for a copy of this from them. Perhaps they’re readily available in their main branch in Makati.
Thanks Fitz! I was able to get one in their branch at the Makati head office. I placed a small amount already in their peso fixed income fund. I was told the monthly performance can be found on their website. It’s kinda hard to find but I was able to dig through and see the monthly performances. I think a monthly monitoring is ok for this right? Thanks again for your insights! Great blog!
@silent-investor – yes, a monthly monitoring is okay, although I do mine weekly. But more important is to have an “exit strategy” on the investment… which means answering the question, “when am I going to liquidate this investment?”
Know your investment objectives and consequently decide at what price are you going to redeem your units.
Congratulations by the way for being an investor!
Hi Fitz, thanks for the reminder! Looking at the 2009 performance of the Fixed Income Fund, it gave a 6.9% return. I think my exit would be a 10% return hopefully within two years.
Hi Sir Fitz,
I really find all of your articles helpful, i’m now in the process of determining which type of investment should i venture. and i’m really studying how it works and everything about it. My time deposit in BDO will mature by this month and i’m planning to invest it in their Equity Fund. Thanks so much!
HI,
ITS A BIT LONG TIME WHEN I’M TYRING TO FIND A PRODUCTIVE WAY TO INVESTMENT MY MONEY FOR I’M A SINGLE PARENT OF TWO KIDS AND REALLY WORRYING HOW CAN I GIVE THEIR EXPENSIVE POTENTIAL GROWING NEEDS.CURRENTLY I WANT TO INVEST 1.5M…AT YOUR BEST IN HOW COULD I INVEST THIS A VERY PRODUCTIVE WAY EVER?
hi Fitz!
i really find your insights very helpful.
i have a question though,
will i be able to avail of the BDO Dollar Bond Fund
even if i am out of the country?
if so, how?
you seem to know how to handle your finances pretty well.
if you were in my shoes,
will you invest say, $5,000 in their Dollar Bond Fund?
or will you invest it some place else.
kindly enlighten me please…
I suggest you ask BDO regarding your concern. As far as I know, yes you can.
With regards to the $5,000 – it depends on your total assets and your investment goals. So I can’t really say if investing in the Dollar Bond Fund would be your best option.
The good news is that, you can just go to the Wealth Management officer of BDO and asked to be evaluated. After the interview, you will be given recommendations as to the best products would suit you best.
This is not limited to BDO – all commercial banks offer this service. So go ahead and ask other banks too.
Sir Fitz,
I am planning to invest on UITF, my concern is will i be able to receive a monthly statement of account on the status of my investment?
@M.G.B. – that actually depends on what bank you’re planning to invest on. Just ask the manager or officer about your question, but in most cases, the reports are quarterly, not monthly.