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BPI Investment Funds First Impression

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Long time no first impression post. I miss doing this type of post because I know it could help others decide to invest. A good investment should be well-researched from advantages to disadvantages, ins and outs, etc. In today's post I will be giving my first impression on BPI Investment Funds.   BPI is a very common bank here in the Philippines and has been my bank of choice for so long.


Quick Review

There are different kinds of investment vehicle one can invest with. The list includes traditional investment vehicles like savings deposit, time deposit, treasury bills, etc. There are also non-traditional kinds like real estate and jewelries. BPI Investment Funds fall in the traditional investment vehicle category for it consists of several Unit Investment Trust Funds (UITFs) that are managed by BPI Asset Management.

Here in SavingsPinay I have published quiet a handful of post about Investing 101. Feel free to check below links:

Unit Investment Trust Fund (UITF) is a type of investment wherein your investments are handled with the bank instead of private financial institution just like mutual fund. The funds from clients of similar investment objectives are pooled together into one fund and aims to give maximum possible returns.

How BPI Investment Funds work?

BPI Investment Funds includes a wide range of investment products. Each fund seek to offer potential higher returns that a regular savings account provide. There is a fund for a particular investor personality that I'll be discussing on the later part of the post. 


What is BPI Asset Management?

BPI Asset Management manages all funds under BPI Investment Funds.  They manage the assets of both institutional and individual investors through innovative investment products and solutions. The goal of BPI Asset Management is to deliver above high return possibility over its client's investment horizon. BPI Asset Management is regulated by Bangko Sentral ng Pilipinas (BSP). For more information CLICK HERE.

BPI Investment Funds consist of the following:

Tax Exempt Fund
  •      BPI Institutional Fund
Peso Money Market Fund
  • BPI Short-Term Fund - a money market unit investment trust fund being offered for investors will small capital. You can start the fund wth 10,000 pesos initial investment and can add-up a minimum of 1,000 pesos per transaction.
Peso Bond Funds
  • BPI Premium Bond Fund - seeks to achieve capital growth and income from a diversified portfolio of primarily medium term fixed income instruments >>>
  • BPI Gold Fund
  • ABF Philippines Bond Index Fund - is a peso bond fund that seeks to achieve its investment return that closely track the total return of the iBOZZ ABF Philippines Index 1-10 years index. The fund is primarily invested in peso denominated eligible sovereign and quasi-sovereign bonds. 
Peso Balanced Fund
  • BPI Balanced Fund - goes well for investors who seek long term capital growth from a diversified portfolio of equities listed or soon to be listed in the Philippine Stock Exchange >>>
Peso Equity Fund
  • BPI Equity Fund - also seek to achieve long term capital growth and invests on equity securities issued by Philippine domiciled companies. It invests 50% to 100% of its portfolio in local equities depending on the condition of the current market and the BPI Asset Manager's outlook. >>> 
USD Bond Funds
  • BPI Global Philippine Fund - achieve investment returns by investing primarily in foreign-denominated fixed income instruments issued by the Philippine government, corporations and financial institutions >>>
  • BPI International Fund Plus - seeks to achieve capital appreciation and income also from a diversified portfolio of foreign currency-denominated fixed income instruments >>>
  • Philippine Dollar Bond Index Fund

USD Equity Fund
  • BPI Global Equity Fund - achieve its investment returns that closely track the total return of a US dollar denominated index, the JPMorgan Asia Credit Index - Philippines. >>>


Benefits of BPI Investment Funds?

    • Funds focus on undervalued and lower beta names with shorter duration and diversification principles consistent with capital preservation
    • Best suited for individuals who are generally conservative, looking for stability, minimal volatility and certainty of income
    • Has wide array of investment products you can choose from. You'll certainly find the one that best suit your need and interest
    • Low Initial Investment
    • Access your investment funds on any BPI branches nationwide or via internet through BPI ExpressOnline. Also you are not limited to your branch of account for your investment transactions. You can subscribe to or redeem from any branch or online. 
    • Invest anytime as your subscription and/or redemption are received anytime within the banking hours. 
    • Easily Enroll your fund in the Regular Subscription Plan. This is an investment program that allows you to nominate a regular subscription amount for purchase units on a periodic basis either monthly or quarterly. This is advantageous if you want to be consistent with your investments and you won't need to visit a BPI branch anymore. The additional investment to BPI Investment Fund you are enroll with will be automatic. 
              How to Open a BPI Investment Fund?

              1. Opening a BPI Investment Fund is easy. All you need to do is download, read and fill up the Account Opening Form. It is an 8-page PDF document that includes Investment Account Application, Client Sustainability Assessment, Participating Trust Agreement and Risk Disclosure Statement.

              2. The form must be printed, filled out and signed.

              3. The documents will be submitted to any preferred BPI branch. 


              My First Impressions

              BPI has long been a top choice when it comes to bank in the Philippines. They are very respected when it comes to banking and finance. I opened a BPI Express Online Savings Account as well as BPI Direct Save Up + Insurance Savings Account through BPI and I am one happy customer. I love that they've made banking very convenient with a lot of branches here and there plus the online banking through BPI Express Online.

              Other Pros

              1. BPI Asset Management 

              BPI Asset Management is the leading investment manager for many of the top individuals and institutions in the country. It has proven and unbeatable track record with 24/7 online financial reporting system. You can trust that your money and your investments are taken care of.


              2. Most of their investment fund products lead the charts

              If you'll search on the Top 10 Best Performing Mutual Fund you'll surely bump to not just one but two or more investment products from the BPI Investment Funds. This goes to show that the asset managers are doing well in their job of providing the best possible returns for its investors. 

              3. Thorough Information About Each Investment Product
               
              The website of BPI gives a detailed information for each investment product and this is very helpful especially for beginners. They give ideas to whom the investment fund is perfect for and thorough guidance on what to do next

              The Con

              1. High Initial Investment


              BPI Investment Fund's initial investment starts at 10,000pesos unlike FAMI Mutual Fund. 


              Overall

              BPI Investment Funds offer variety for the public. They have various kinds of investment products for anyone's investment goal, starting capital and investment horizon. A BPI bank can be found almost anywhere so it is definitely easy to coordinate with bank manager and open an account. 

              I hope this post helps. Below are other first impressions I did so far:


              More on this Topic :




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