Maximizing Your Bdo Investment: Strategies For Smart Returns

BDO offers a variety of investment options, including Unit Investment Trust Funds (UITFs), which are open-ended pooled trust funds. UITFs allow investors to pool their money and invest in various securities such as bonds, equities, and government securities. BDO provides several types of UITFs, including Money Market Funds, Bond Funds, Balanced Funds, and Equity Funds, each with different risk levels and investment horizons.

To use your investment back in BDO, you can consider reinvesting your returns into other UITFs or different investment options offered by the bank. BDO also provides an Easy Investment Plan (EIP) that allows you to make regular, automatic investments from your BDO savings or checking account into selected UITFs. This can be a convenient way to continuously grow your investments over time.

Additionally, you can use your investment returns for other financial goals, such as saving for retirement, purchasing a home, or investing in other assets. It's important to assess your risk tolerance, investment horizon, and financial goals when deciding how to utilize your investment returns in a way that aligns with your overall financial strategy.

Exchange money into gold ingots or gold bars

Exchanging money into gold ingots or gold bars is a part of the Commerce system in Black Desert. To do this, go to the Storage Keeper and press the "Currency Exchange" button. There is a 0.1% fee for this service. For example, gold bars with a value of 100,000 will cost 100,100 silver, while 10G gold ingots are sold for 1,001,000 silver.

Gold ingots and bars can also be obtained via quests, events, or challenges. The gold ingots can then be deposited with the Investment Bank, but to do this, you must have the top rank in a residence that you own. This can be achieved by owning a house/room decorated with furniture that gives you the top rank for that house.

Once you have obtained gold ingots and deposited them with the Investment Bank, you will receive interest for the gold value you deposited. The interest rate varies depending on the risk, with rates between -9% and +19%.

Invest in BDO Unit Investment Trust Funds (UITF)

BDO Unit Investment Trust Funds (UITF) are ready-made investments that allow the pooling of funds from different investors with similar investment objectives. The pooled funds are managed by professionals who carefully select financial instruments like money market securities, bonds, and equities.

Benefits of Investing in BDO UITFs

• Diversification: Risks are spread out across various investments held by the pooled trust fund.
• Liquidity: While it's advisable to stay invested for the recommended time horizon, UITFs allow redemption of units at any time.
• Affordability: UITFs have low minimum investment requirements, with additional investments possible in tranches.
• Better earnings potential: Greater earnings potential is possible without investing large sums. There are opportunities for higher returns due to marked-to-market gains, accrued income, or dividends from investments.
• Exempt from reserve requirements: UITFs are not subject to bank deposit reserve requirements, ensuring your funds are fully invested.
• Professional fund management: Gain access to seasoned fund managers who actively monitor markets for investment opportunities and manage risks.
• Transparency: Trust entities are required to publish UITF prices weekly, allowing investors to compare fund performance.
• Regulated product: UITFs are governed by the BSP, with each fund subject to an annual audit by an independent auditor.

How to Invest in BDO UITFs

You can start investing in BDO UITFs with as little as ₱1,000 or $200 a month via the Easy Investment Plan (EIP) or invest anytime with ₱10,000 or $500. Here's a step-by-step guide:

• Log in to BDO Online Banking via a web browser.
• Access BDO Invest Online by going to "My Accounts" on the sidebar navigation menu and clicking "My Trust Account/Invest Online."
• Go to "Transaction" and choose "Regular UITF Subscription."
• Answer the Client Suitability Assessment (CSA), which will determine the BDO UITF that fits your investor profile.
• Start investing by choosing the BDO UITF you want to invest in.

Types of BDO UITFs

BDO offers a range of UITFs to meet your investment needs, including:

• BDO Peso Money Market Fund: Focuses on capital preservation.
• BDO Peso Multi-Asset Fund: Allows you to benefit from both fixed income and equity returns.
• BDO Equity Index Fund: Invests in the top 30 stocks traded in the country.
• BDO Dollar Money Market Fund: Preserves your US Dollar capital by investing in a diverse portfolio of time deposits and short-term fixed-income securities.
• BDO Global Feeder Funds: A suite of foreign currency-denominated UITFs that provide access to global investment opportunities for as low as $500.

Invest in BDO Easy Investment Plan (EIP)

BDO's Easy Investment Plan (EIP) is a great way to grow your money and achieve your financial goals. The EIP is a wealth build-up program that lets you invest from your savings regularly and affordably.

To get started, you can decide how much you want to invest per month, choosing from either ₱1,000 or $200. You can also determine how frequently you want to invest, with options to invest once or twice a month. The EIP gives you control over how much and when to invest in the Unit Investment Trust Fund (UITF) of your choice.

There is no need to shell out a large sum of money upfront. You can easily open an EIP account online or by visiting any BDO branch. The auto-debit facility will ensure that you save and invest a certain amount every month, saving you the time and effort of doing it manually.

With the EIP, you will have access to a wide range of UITFs, which are pooled investments typically available only to larger investors. Your investments will be managed by seasoned fund managers, so you can rest assured that your money is being prudently handled, even if you are new to investing.

The EIP offers a range of UITFs, including the BDO Peso Money Market Fund, BDO Peso Multi-Asset Fund, BDO Equity Index Fund, BDO Focused Equity Fund, BDO Dollar Money Market Fund, and BDO Dollar Bond Fund.

To enrol, simply fill out the EIP Application Form and provide the required UITF documentation. You can also enrol and invest directly in the BDO EIP using your BDO Online Banking account.

Invest in BDO Peso Money Market Fund

The BDO Peso Money Market Fund is an open-end unit trust fund established in the Philippines. The fund aims to preserve capital and generate income from low-risk fixed-income investments with an average life of not more than one year. It is suitable for individual and corporate investors with a moderate risk appetite. The fund is available for investment to Philippine residents only.

The BDO Peso Money Market Fund offers potentially higher earnings than a savings account. It is a temporary placement for funds that are waiting for better investment opportunities. The minimum investment amount is ₱10,000, and investors can get their funds within the day when they redeem. The fund has two classes: Retail Unit Class (R) and ICRF Unit Class (I).

To start investing in the BDO Peso Money Market Fund, you can enrol and invest directly using your BDO Online Banking account, or you can open an investment account online or at any BDO branch. Here are the steps to invest using BDO Online Banking:

• Log in to BDO Online Banking via a web browser.
• Access BDO Invest Online by going to "My Accounts" on the sidebar navigation menu, then clicking "My Trust Account/Invest Online".
• Go to "Transaction" and choose "Regular UITF Subscription".
• Answer the Client Suitability Assessment (CSA), which will determine the BDO UITFs that fit your investor profile.
• Choose the BDO UITF you want to invest in and start investing.

Invest in BDO Peso Bond Fund

The BDO Peso Bond Fund is a great investment product if you have medium-term goals, such as saving for a trip abroad. It is a multi-class fund with two classes: Retail Unit Class (R) and Merit Unit Class (I). The fund focuses on generating income by investing primarily in government and corporate bonds that have passed a stringent review of creditworthiness.

The benefits of investing in the BDO Peso Bond Fund include:

• Instantly investing in a diversified portfolio of domestic bonds.
• Access to seasoned investment professionals.
• Open to individual and corporate investors with a moderate risk appetite who are looking for higher yields.
• Start investing for as low as ₱10,000.

To start investing in the BDO Peso Bond Fund, you can open an investment account online or in any BDO branch. Here are the steps to enroll and invest directly in BDO Unit Investment Trust Funds (UITFs) using your BDO Online Banking account:

• Log in to BDO Online Banking via a web browser.
• Access BDO Invest Online by going to "My Accounts" on the sidebar navigation menu, then click on "My Trust Account/Invest Online".
• Go to "Transaction" and choose "Regular UITF Subscription".
• Answer the Client Suitability Assessment (CSA). Your CSA result will determine the BDO UITFs that fit your investor profile.
• Choose the BDO UITF you want to invest in, in this case, the BDO Peso Bond Fund.

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

Frequently asked questions