A Guide To Investing In Bdo Equity Funds

BDO's Equity Fund is a great way to invest in a diversified portfolio of stocks with strong growth potential. The fund allows investors to put their money into domestic stocks, with the benefit of professional fund management. BDO's seasoned investment professionals provide expertise and experience to help investors grow their capital through stock price appreciation over the long term. The fund is suitable for those with a balanced risk appetite, and investors can start with as little as ₱10,000. BDO also offers an Easy Investment Plan, which allows investors to automatically invest from their savings regularly and affordably, with a minimum investment of ₱1,000 or $200 per month.

BDO Equity Index Fund

The BDO Equity Index Fund is a Unit Investment Trust Fund (UITF) that allows investors to put their money in the top 30 stocks traded in the Philippines. The fund is suitable for investors with a balanced risk appetite.

To start investing in the BDO Equity Index Fund, you can enrol and invest directly using your BDO Online Banking account. Here are the steps to follow:

Step 1: Log in to BDO Online Banking

Use a web browser to log in to your BDO Online Banking account.

Step 2: Access BDO Invest Online

Go to "My Accounts" on the sidebar navigation menu and click on "My Trust Account/Invest Online".

Step 3: Go to "Transaction"

Once you are in the "My Trust Account/Invest Online" section, choose "Transaction", and then select "Regular UITF Subscription".

Step 4: Answer the Client Suitability Assessment (CSA)

The CSA will determine which BDO UITFs fit your investor profile. Your investor profile is based on your investment objectives, experience, time horizon, risk appetite, and liquidity requirements.

Step 5: Choose the BDO UITF you want to invest in

After completing the CSA, you can start investing in the BDO UITF that suits your needs, which in this case is the BDO Equity Index Fund.

It is important to note that BDO UITFs are not deposits but trust agreements. They are not obligations of, nor guaranteed or insured by, BDO or its affiliates and subsidiaries. The returns/yields on these investments cannot be guaranteed, and the units of participation in the funds may be worth more or less than the initial investment when redeemed. Therefore, investors must carefully read the complete details of the UITFs and make their own risk assessments before investing.

BDO Equity Fund

To get started with investing in the BDO Equity Fund, you can follow these steps:

• Open an account: You can open an account by visiting any of the over 1,000 BDO branches nationwide or by enrolling through your BDO Online Banking account.
• Log in to BDO Online Banking: Access your BDO Online Banking via a web browser and log in to your account.
• Access BDO Invest Online: Go to "My Accounts" on the sidebar navigation menu and click on "My Trust Account/Invest Online."
• Go to "Transaction": Once you are in the "My Trust Account/Invest Online" section, navigate to the "Transaction" tab.
• Choose "Regular UITF Subscription": Under the "Transaction" tab, select the option for "Regular UITF Subscription."
• Complete the Client Suitability Assessment (CSA): The CSA will assess your investment objectives, experience, time horizon, risk appetite, and liquidity requirements. The results will help determine the BDO UITF that aligns with your investor profile.
• Start investing: After completing the CSA, you can choose the BDO UITF you want to invest in, including the BDO Equity Fund.

It is important to note that BDO UITFs are not deposits but trust agreements. The returns cannot be guaranteed, and investors must make their own risk assessments before investing.

BDO Unit Investment Trust Funds (UITFs)

BDO UITFs are centred around empowering investors to maximise the growth potential of their wealth while ensuring simplicity, transparency, and expert fund management. With BDO UITFs, you can start realising your financial goals, whether it's building an emergency fund, an educational fund, or preparing for retirement.

• Diversification: By investing in a UITF, you spread out the risks across various investments held by the pooled trust fund.
• Liquidity: While it is generally recommended to stick to your investment time horizon, UITFs are designed to allow you to redeem units of participation at any time.
• Affordability: UITFs typically require a much lower minimum investment amount compared to other investment alternatives. For example, you can start investing in BDO UITFs for as low as ₱1,000 or $200 a month via EIP or invest anytime for ₱10,000 or $500.
• Better earnings potential: BDO UITFs offer greater earnings potential without requiring large sums of money. There are opportunities for potentially higher returns due to marked-to-market gains and accrued income from investments.
• Exemption from reserve requirements: UITFs are exempt from the reserve requirements imposed on bank deposits, allowing your funds to earn more.
• Professional fund management: BDO UITFs are managed by seasoned fund managers who actively monitor the markets for investment opportunities and manage the risks on your behalf.
• Transparency: BDO, as a trust entity, is required to publish the UITF price at least weekly, enabling investors to compare the performance of various fund managers.
• Regulated product: BDO UITFs are highly regulated and governed by the Bangko Sentral ng Pilipinas (BSP). This ensures investor protection and alignment with international best practices.

To get started with BDO UITFs, you can enrol and invest directly using your BDO Online Banking account or visit any of the over 1,000 BDO branches nationwide.

BDO Peso UITFs Product Grid

BDO offers a range of Peso Unit Investment Trust Funds (UITFs) that cater to different investment needs and risk appetites. Here is an overview of the BDO Peso UITFs Product Grid:

BDO Equity Index Fund

This fund allows investors to invest in the top 30 stocks traded in the Philippines, comprising the Philippine Stock Exchange Index (PSEi). It offers a diversified portfolio of Philippine stocks for a minimum of ₱10,000. The fund is suitable for investors with a balanced risk appetite.

BDO Equity Fund

The BDO Equity Fund provides investors with exposure to a diversified portfolio of domestic stocks with growth potential. It offers higher earnings potential through stock price appreciation over the long term. This fund is also suitable for investors with a balanced risk appetite.

BDO Peso Money Market Fund

The Peso Money Market Fund is a multi-class fund with two classes: Retail Unit Class (R) and ICRF Unit Class (I). It offers a safe and liquid investment option, with potential earnings higher than a savings account. The minimum investment amount is ₱10,000, and funds can be redeemed within the same day. This fund is suitable for investors with a moderate risk appetite.

BDO Peso Multi-Asset Fund

The Peso Multi-Asset Fund allows investors to benefit from both fixed income and equity returns simultaneously. It provides exposure to a portfolio of multi-assets, including bonds, stocks, and other investments allowed for UITFs. The fund is suitable for investors with a balanced risk appetite who are looking for some exposure to stocks.

BDO Peso Bond Fund

The BDO Peso Bond Fund is a multi-class fund with two classes: Retail Unit Class (R) and Merit Unit Class (I). It offers investors instant diversification into a portfolio of government and corporate bonds for a minimum of ₱10,000. The fund is suitable for investors with a moderate risk appetite who are seeking higher yields and are willing to take on the risks associated with longer investment tenors.

To get started with investing in BDO UITFs, investors can enrol and invest directly using their BDO Online Banking account or visit any of the over 1,000 BDO branches nationwide.

BDO Online Banking

Step 1: Enroll in BDO Online Banking

If you haven't already, you will need to enroll in BDO Online Banking to access your account and start investing. You can do this by visiting the BDO website and following the enrollment process.

Step 2: Log in to BDO Online Banking

Once enrolled, log in to your BDO Online Banking account using your credentials. This will give you access to your account information and the various features offered by BDO Online Banking.

Step 3: Access BDO Invest Online

After logging in, navigate to the BDO Invest Online section within your online banking portal. This is where you will find information about different investment options and manage your investments.

Step 4: Explore Investment Options

BDO Invest Online provides information about various BDO Unit Investment Trust Funds (UITF) that you can invest in. You can compare different funds, assess their performance, and decide which one aligns with your financial goals and risk appetite.

Step 5: Enroll in BDO Easy Investment Plan (Optional)

BDO offers the BDO Easy Investment Plan (EIP), which is a wealth build-up program that allows you to automatically invest from your savings regularly. You can choose the UITF you want to invest in, decide how much you want to invest, and determine the frequency of your investments. The EIP gives you control and flexibility over your investments.

Step 6: Start Investing

Once you have decided on the BDO equity fund you want to invest in, you can initiate the investment process through BDO Online Banking. Follow the prompts to complete the investment, ensuring that you review the investment details and disclosure statements carefully.

It is important to note that investing carries risks, and you should carefully consider your financial situation and risk tolerance before investing. BDO provides resources and support to help you make informed investment decisions.

Frequently asked questions