UITF vs. Mutual Funds

[the_guardian]

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sa FAMI ma monitor ba nimo imong investment online?

[Metz]

ah...so ang UITF diay kay bank product na cya...samtang ang MF kay mura rakag ni palit ug stocks

ang akong gi-kalibugan bah kay ni ingon man gud ang ahente sa BPI nga same ra kuno ug portfolio an MF ug UITF...they invest in the same products or company...

ganahan man gud ko sa BPI kay nana koy account didto then dali ra nako ma-monitor online...

yes. same ra tingali na sila ug portfolio bai kay basin ang imo UITF gipalit rapud na nila ug MF(theory rani), kay that's what they do with our savings(tinood ni) hehehe.

if same ra ila portfolio, adto nalang ta sa MF kay mas dako pa ug returns.

sa FAMI ma monitor ba nimo imong investment online?

ang price sa share ra imo makita bai, then manual calculation raka, to determine your gain.
para nako ok ra walay online account ang general public, kay weak pa kaayo ang Philippines when it comes to internet security. Ma access palang imo investments and i-sell nila when down ang market.

[honey2723]

hi guys... Not from IMG here but just want to share my view.

not minding whether your buying units or shares, in simple terms, UITFs and MFs are very similar... Invested in the same instruments. UITFs got Bond Funds, Balanced Funds and Equity Funds. So with MF. UITF fund managers purchase the bond instruments offered here in our country. So with MF. UITF fund managers purchase company shares from the publicly listed companies in PSE. So, with MF. Structure are basically the same. The big difference is more on kung kinsa ra nag offer. UITFs are offered by banks, while MFs are offered by an investment company, in this case an MF company.

"Gamay ang tubo sa Money kung mag UITF ka compare sa MF.

=> unsa nga fund ang gi-investan sa istoryan didto sa UITF?? basin ang bond fund pud iyang gi-investan... (Just a theory.) So, if i-compare ug equity-based MF, then definitely lahi ra jud ang returns... Naa pud koy naka-storya nga laing istoryan, so far, nindot ug returns iyang equity fund nga UITF. I forgot kung asa to nga bank iyaha...

Anyways, here's a link on where you can view the different UITFs available sa Pinas and kung pila pud ang required amount... UITF website

As for the opening amount, mas gamay jud i-require ang MF compared to UITF.

[Metz]

hi guys... Not from IMG here but just want to share my view.

not minding whether your buying units or shares, in simple terms, UITFs and MFs are very similar... Invested in the same instruments. UITFs got Bond Funds, Balanced Funds and Equity Funds. So with MF. UITF fund managers purchase the bond instruments offered here in our country. So with MF. UITF fund managers purchase company shares from the publicly listed companies in PSE. So, with MF. Structure are basically the same. The big difference is more on kung kinsa ra nag offer. UITFs are offered by banks, while MFs are offered by an investment company, in this case an MF company.


=> unsa nga fund ang gi-investan sa istoryan didto sa UITF?? basin ang bond fund pud iyang gi-investan... (Just a theory.) So, if i-compare ug equity-based MF, then definitely lahi ra jud ang returns... Naa pud koy naka-storya nga laing istoryan, so far, nindot ug returns iyang equity fund nga UITF. I forgot kung asa to nga bank iyaha...

Anyways, here's a link on where you can view the different UITFs available sa Pinas and kung pila pud ang required amount... UITF website

As for the opening amount, mas gamay jud i-require ang MF compared to UITF.

Thanks, at least mas clear na ang UITF.

Murag mao ni ang higher gain option provided by banks, but medyo dako sad ang starting and even add-ons.

Does anyone know about the fees for UITF?

[Metz]

I checked the UITF site provided by honey2723 and here's a summary of what I observed for Peso Equity funds:

1. UITF performs at 40% to 50%, while IMG's recommended MFs perform at 50% to 60%. This is for YTD only.
2. Daghan additional fees like management fee, custodianship, and audit fee. And some of these are "per annum", so they might be charging an additional 2% to 3% per year(estimate rani)
3. Initial investment and add-ons are big. The cheapest I saw, was 10k initial and 10k add-on. Not affordable for the average Pinoy. Where in mutual funds you can start for as low as 5k.

4. pagkabati sa ila website, ako pa i-highlight ang text para makita ang profile joke rani.

[wizard_jamex]

@Honey2723

"Gamay ang tubo sa Money kung mag UITF ka compare sa MF.

=> unsa nga fund ang gi-investan sa istoryan didto sa UITF?? basin ang bond fund pud iyang gi-investan... (Just a theory.) So, if i-compare ug equity-based MF, then definitely lahi ra jud ang returns... Naa pud koy naka-storya nga laing istoryan, so far, nindot ug returns iyang equity fund nga UITF. I forgot kung asa to nga bank iyaha...

If I could remember...murag fixed man or bonds....medyo dili nako makaremember...

[wizard_jamex]

I checked the UITF site provided by honey2723 and here's a summary of what I observed for Peso Equity funds:

1. UITF performs at 40% to 50%, while IMG's recommended MFs perform at 50% to 60%. This is for YTD only.
2. Daghan additional fees like management fee, custodianship, and audit fee. And some of these are "per annum", so they might be charging an additional 2% to 3% per year(estimate rani)
3. Initial investment and add-ons are big. The cheapest I saw, was 10k initial and 10k add-on. Not affordable for the average Pinoy. Where in mutual funds you can start for as low as 5k.

4. pagkabati sa ila website, ako pa i-highlight ang text para makita ang profile joke rani.

Mao ni nakabati sa UITF tungod sa daghan ug mga fees....

[honey2723]

@Honey2723



If I could remember...murag fixed man or bonds....medyo dili nako makaremember...

basin money market pud. mas gamay ug returns ang money market compared to bonds. If ever naa either ani ang gi-investan kadtong sa fellow istoryan, mao to sya naka-sulti gamay ug returns... basin wala kaau sya na-explainan sa bank personnel sa iyang gikuha or wala siya naka-sabot... in return, wala na set iyang expectation ug tarong sa possible performance...

[honey2723]

I checked the UITF site provided by honey2723 and here's a summary of what I observed for Peso Equity funds:

1. UITF performs at 40% to 50%, while IMG's recommended MFs perform at 50% to 60%. This is for YTD only.
2. Daghan additional fees like management fee, custodianship, and audit fee. And some of these are "per annum", so they might be charging an additional 2% to 3% per year(estimate rani)
3. Initial investment and add-ons are big. The cheapest I saw, was 10k initial and 10k add-on. Not affordable for the average Pinoy. Where in mutual funds you can start for as low as 5k.

4. pagkabati sa ila website, ako pa i-highlight ang text para makita ang profile joke rani.

these fees are reflected na sa NAVPU metz... that means, incorporated na na sila sa pricing nila. So, you don't have to worry about that when withdrawing/selling...

Even with MF, naa man gihapon na sila Management Fees, Audit Fees and other fees incorporated na sa NAVPS niya... I'm not sure with custodianship lang if naa ba... but as to the other fees, sure ko ana... Pero di ba, wala kaau mo nag-mind? kay apil naman siya sa computation..

[wizard_jamex]

basin money market pud. mas gamay ug returns ang money market compared to bonds. If ever naa either ani ang gi-investan kadtong sa fellow istoryan, mao to sya naka-sulti gamay ug returns... basin wala kaau sya na-explainan sa bank personnel sa iyang gikuha or wala siya naka-sabot... in return, wala na set iyang expectation ug tarong sa possible performance...

Basin sad nga wala kaayo to siya nakasabot or basin wala kaau siya na explain sa bank personnel.