Ano nga ba ang mas maganda? Hindi ko masyadong napag aralan ang UITF pero sa pagkakaalam ko ang halos parehas lang ang UITF's at mutual fund base sa kanila investment strategies. Kaya hinanap ko sa internet ang pagkakaiba at pagkakapareho ng mga financial instruments na ito.
Kaya pag-aaralan natin kung ano ang kaibahan ng uitf at mutual fund.
Ano ang UITF or UNIT INVESTMENT TRUST FUND?
Ang UITF ay isang instrument na inooffer ng major banks sa ating bansa. Dito ang iyong investments ay isasama sa investments ng ibang investor at imamanage ng isang investment expert para palaguin. Bibili ka dito ng units of investments kung saan naman ang mga experts na ang bahala kung saan ilalagak ang pera para mapalago.
Ito naman ang paliwanag mula sa website ng uitf.com.ph.
A Unit Investment Trust Fund (UITF) is an open-ended pooled trust fund denominated in pesos or any acceptable currency, which is operated and administered by a trust entity and made available by participation. Each UITF product is governed by a Declaration of Trust (or Plan Rules) which contains the investment objectives of the UITF as well as the mechanics for investing, operating and administering the fund. Most UITFs are considered medium to long term investments. Clients considering to invest in UITFs must have the financial resources to stay invested in them for a reasonable period of time in order to maximize earnings potentials. If the funds to be invested will be needed by the client in the immediate future, the UITFs may not be a suitable investment vehicle for such client. - source http://www.uitf.com.phAno naman ang MUTUAL FUND?
Ang MUTUAL FUND, tulad ng UITF ay isang uri din ng pooled funds at ang nagmamanage naman ay tinatawag na FUND MANAGERS. Bibili ka naman dito ng shares of investments at ang mga fund managers ang pipili ng mga paglalagyan ng inyong shares para magkaroon ng increase. Katulad ng UITF, itong instrument na ito ay for medium to long term din na type ng investment.
A mutual fund is a type of professionally managed collective investment scheme that pools money from many investors to purchase securities. While there is no legal definition of the term "mutual fund", it is most commonly applied only to those collective investment vehicles that are regulated and sold to the general public. excerpts from
Halos wala pala silang pinagkaiba, both have different type of investment which differs on risk profile of each investor. Kung ano ang mas maganda sa kanila? Looking at the returns on both,hindi naman sila nagkakalayo. So it will really depend sa iyo kung saan ka mas komportable mag-invest. O kung saan ka mas madaling makakapag-invest.
WATCH THIS MORE DETAILED VIDEO on how mutual fund works.
It works basically same with UITF so all you need to learn about UITF ay pwede mo na makuha sa video na ito.
UITF PERFORMANCE in the Philippines for first quarter of 2014 from pinoymoneytalk.com
(1st Quarter 2014) Return on Mutual Funds in the Philippines from pinoymoneytalk.com
Based on my research and personal experience, investing in pooled funds is much better than investing in stock market directly. Though if you want high-yielding investment, directly investing in stock market is much good but more risky. But here is what I learned, more knowledge will eliminate risk, so if you are new in investing, start with pooled funds first and as you gain knowledge you can start investing small amounts on stock market. In that way you minimize the risk.
Just keep on learning.
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