^ what product is that, exactly?
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That BPI Philam product sounds like variable life. I don't know why they insist on having bankers sell life insurance products, which require specialized selling skills. BPI is not the only one who does this, RCBC also sells products written by Sun Life Grepa. From my experience, RCBC managers do not know what they are doing.
Yes, I have UITF and MF bought from BPI. Are you referring to this?
Available for partial redemption refers to the number of units/shares you can sell while still abiding by their minimum maintaining balance requirement. It does not refer to the any penalties imposed if you sell before the holding period.
The last line - Total outside holding period - is the number of units/shares you can sell without being charged a penalty.
Also, I'm assuming the price will be the price at the date I redeemed it?
You can redeem your 10 shares WITH penalties. The price will be calculated at the end of the day you redeem.
Thanks Kuya Danny
Does anyone know how the Early Redemption Fee is calculated. In BPI, it's 1%. Is 1% multiplied to the NAVPU and that will be the Early Redemption fee?
1% multiplied by NAVPU multiplied by number of units redeemed.
Kuya Danny...nasaan *** thread na mahabang mahaba about UITFs? sorry OT now lang ulit naglog in sa PEx!
looking into understanding UITFs from your and the others' experience
yes sir! that is the one thank you!
Eh kuya Danny di ba pwede naman siguro na mag invest ka sa mutual funds at UITF at the same time di ba?
Kuya Danny, is it true na most of the time eh mas malaki daw ang return sa MF compare sa UITF? Secondly, anu po ba ang difference nilang dalawa? And lastly, saan po ba mas ideal na mag-invest, sa UITF or MF? Maraming salamat po..
Kung ang isang fund mas malaki ang kita sa iba, hindi yon dahil ang isa MF at yung iba UITF. Mas malaki ang kita dahil mas maliit ang gastos, mas mahusay ang manager and/or mas maganda ang investment strategy.
May mga pagkakaiba ang MF at UITF, at napag-usapan na yan sa ibang thread. Pero ang mga pagkakaiba na yan may kinalaman sa legal structure, regulation, at governance. Walang kinalaman sa kinikita ng mga funds.
You may actually do a manual comparison of the different funds. Check this tutorial site on how to manually compare the performances of funds, whether mutual funds or unit investment trust funds:
I want to invest our money in Mutual Fund either FAMI or BDO UITF, but I'm still learning and reading a lot regarding investing kasi wala akong experience but i want start as soon as possible. We're working abroad is it possible to monitor your investment online? Most of the time yearly kami umuuwi. Which one is better to put your money? any suggestion will help. Thanks