ANO ang UNIT INVESTMENT TRUST FUND (UITF)




Sa dami ng nagtatanong kung ano at paano mag-invest sa UITF, naisipan kong isulat na para mas madali nang ipaliwanag dahil link nalang ang ibibigay ko. (mahirap kaya sumagot ng sumagot, me kasama yang ngiti at kindat).



1. Unang tanong ay, ano ang UITF?





Ayon sa www.uitf.com.ph ang UITF ay:


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. - See more at: http://www.uitf.com.ph/faqs.php#gsc.tab=0

Sa madaling salita ang UITF ay kagaya ng mutual fund na tinatawag na pooled fund. Pooled fund dahil ang perang iniinvest mo ay isinasama sa investment ng ibang investor at ito'y pangangalagaan ng professional fund managers at iinvest sa mga investments vehicles na akma sa objective ng investors.



2. Pwede ba ako mag-invest sa UITF? Sino sino ba ang pwedeng mag-invest dyan?


Kahit sino na legally makakapagsign ng contract (ibig sabihin nasa legal age, 18 yo pataas).


From BDO website it says: 

Any person, association, corporation, entity or firm who/which has the legal capacity to contract or establish a trust may invest in the UITFs.

3. Papaano ako kikita sa UITF?


Sa UITF, kagaya ng Mutual Fund, kikita ka kapag nag-increase ang value ng NAVPU (Net Asset Value Per Unit) kumpara dun sa time na nag-invest ka. But since ang investment mo ay nilalagay sa investments mostly on stock market investments, malaki ang chance nitong magdepreciate sa short-term run. Kaya nga ang advice ng mga experts ay ilagay ang investment sa UITF ng mas mahabang panahon. At isang mahalagang advice ay ang iinvest lamang ang perang hindi mo kakailanganin agad agad, o perang patapon o yun mga posible mong gastusin sa mga hindi naman importanteng mga bagay bagay.




4. Magkano ang minimum investment na pwede kong mapagsimulan?

Sa BDO, pwede kang mag-umpisa at Php 10,000 or pwede din Php 1,000 thru their Easy Investment Plan.


Para mas malaman HOW BDO EIP works, i-click ang link sa baba:

https://www.bdo.com.ph/sites/default/files/pdf/corporate_governance/UITF%20BDO%20EIP.pdf

Sa pagsasaliksik ko sa internet, nalaman ko na meron palang paraan para makapag-invest ng BDO UITF sakaling ikaw ay nasa abroad. Hindi nga lang ito para sa lahat dahil sa mga regulations na pinatutupad ng BDO. Para sa karagdagang impormasyon bisitahin ang post ng idolo nating si Burn Gutierrez dito sa link: 


http://burngutierrez.com/can-filipinos-overseas-apply-for-bdo-eip/




Sa BPI ito ang nakasaad sa website nila:



BPI UITF Minimum
source: https://www.bpiassetmanagement.com/pages/bpi-uitf-faqs



Sa Security Bank ay ganito naman:




source: https://www.securitybank.com/uitf-fb/



TANDAAN: 


Ang mga nakasaad dito ay for INFORMATION PURPOSES ONLY, hindi ito advice na mag-invest sa mga nakasaad na investment vehicles. Ano man ang mangyari sa inyong investment ay walang kinalaman ang may-akda. Laging sundin ang payo na INVEST AT YOUR OWN RISK.



Para sa karagdagang impormasyon, i-click sa baba ang link ng mga pinagkuhanan nating sources:


http://burngutierrez.com/can-filipinos-overseas-apply-for-bdo-eip/

https://www.bdo.com.ph/personal/trust-and-investments/unit-investment-trust-funds
https://www.bpiassetmanagement.com/pages/bpi-uitf-faqs
https://www.securitybank.com/uitf-fb/


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Feel free to comment and suggest para maimprove natin kung paano mas madaling maintindihan ng karamihan ang mga bagay tungkol sa larangan ng INVESTING tungo sa pagyamang inaasam natin.









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