Bpi Investment Fund: What Investors Need To Know

BPI Investment Funds are a wide range of investment options offered by the Bank of the Philippine Islands (BPI) to help customers reach their financial goals. BPI offers professionally-managed investment products, including pooled funds in Philippine pesos or US dollars, to help customers grow their wealth. BPI Investment Funds include Unit Investment Trust Funds (UITFs) and mutual funds, with a minimum initial subscription amount of Php 1,000. Customers can also earn rewards points when opening a new BPI Investment Fund account.

BPI Investment Funds for beginners

BPI offers a wide range of investment options to help you reach your financial goals, from unit investment trust funds to fixed-income securities. Here's a beginner-friendly guide to BPI Investment Funds to help you get started on your investment journey.

BPI Investment Funds offer a diverse range of financial instruments and securities, including stocks, bonds, and other assets, to help you build a strong investment portfolio. These funds are professionally managed and denominated in Philippine pesos or US dollars.

Types of BPI Investment Funds:

BPI offers various types of investment funds to cater to different investor needs and risk profiles. Here are some common types:

• BPI Unit Investment Trust Funds (UITFs): These are ready-made investment funds that pool money from multiple investors with similar financial goals. UITFs invest in a variety of financial instruments, and the yield can vary due to market fluctuations.
• BPI Money Market Fund: This fund seeks to provide liquidity and stable income by investing in a diversified portfolio, primarily consisting of short-term fixed-income investments like time deposits and money market instruments. It's a good option for first-time investors due to its stable price movement and minimal volatility.
• BPI Premium Bond Fund: This fund aims to achieve capital appreciation and generate income by investing in a diversified portfolio of bonds.
• BPI Philippine High Dividend Equity Fund: This fund focuses on achieving total return through a combination of current income and long-term capital growth, primarily through investing in high-dividend-paying stocks.
• BPI Philippine Equity Index Fund: The goal of this fund is to track the performance of the Philippine stock market and provide investment returns that match the market's performance.

Getting Started with BPI Investment Funds:

You can open a BPI Investment Fund account through the BPI app with a minimum initial subscription of Php 1,000. BPI also offers a Regular Subscription Plan (RSP) that allows you to build your wealth over time by investing as low as Php 1,000 regularly.

Remember, investing comes with risks, and the value of your investments may fluctuate. It's essential to understand your risk profile and make informed decisions before investing. BPI provides resources for beginners to learn about investing and seek expert financial advice.

BPI Investment Funds' performance

BPI Investment Funds offer a wide range of financial products and services to help customers achieve their financial goals. The funds are categorized into moderately conservative, moderately aggressive, and aggressive funds to cater to different risk profiles. Here is an overview of their performance:

Moderately Conservative Funds:

• BPI Money Market Fund: Seeks to provide liquidity and stable income through a diversified portfolio.
• BPI US Dollar Short Term Fund: Aims for liquidity and stable income with a focus on US dollar-denominated securities.
• BPI Premium Bond Fund: Seeks capital appreciation and income through a diversified portfolio.

Moderately Aggressive Funds:

• BPI Sustainable Global Bond Fund-of-Funds: Focuses on capital appreciation and income by investing in global bonds.
• Odyssey Peso Medium-Term Bond Fund: Generates income by investing in Philippine peso-denominated bonds.
• ABF Philippines Bond Index Fund: Tracks the total return of the iBoxx ABF Philippines Bond Index.
• BPI Global Bond Fund-of-Funds: A fund-of-funds that seeks capital appreciation and income.
• BPI Bayanihan Balanced Fund: Achieves long-term capital growth from a diversified portfolio.

Aggressive Funds:

• BPI Philippine High Dividend Equity Fund: Focuses on total return through a combination of current income and long-term capital growth.
• BPI Philippine Equity Index Fund: Tracks the performance of the Philippine Stock Exchange Index (PSEi).
• BPI Philippine Consumer Equity Index Fund: Aims to track the performance of the BPI Philippine Consumer Index.
• BPI Philippine Infrastructure Equity Index Fund: Seeks investment returns tied to the BPI Philippine Infrastructure Index.
• BPI Equity Value Fund: Invests in a concentrated portfolio of undervalued stocks for long-term capital growth.
• Odyssey Philippine Equity Fund: Seeks long-term capital growth by investing in Philippine equities.

The performance of these funds can be monitored through the BPI Investment Funds Monitor, which provides absolute returns, percentage changes, and price information. The latest data, as of October 31, 2024, is available on the BPI website. Additionally, BPI offers resources for beginners, estimated returns calculators, and regular subscription plans to help investors make informed decisions.

BPI Investment Funds' account opening

BPI Investment Funds are Unit Investment Trust Funds (UITFs) that allow you to invest for as low as Php 1,000 or USD 100. These funds are regulated by the Bangko Sentral ng Pilipinas (BSP) and are a type of ready-made investment that pools funds from various investors who share similar investment objectives.

To open a BPI Investment Fund account, you can follow these steps:

• Download and sign up for VYBE to join the BPI Rewards program.
• Open a BPI Investment Fund account and subscribe with a minimum initial subscription amount of Php 1,000.
• Eligible account holders will receive 1,000 BPI Points as a welcome bonus.
• You can now invest through the BPI Online and BPI Mobile channels.
• Log in to BPI Online or the BPI Mobile app.
• Click "Investments".
• Click "UITF Subscription Order" for BPI Online or "Subscribe" for the BPI Mobile app.
• Select your Investment Account Number.
• Select your desired Investment Fund.
• Input your Order Amount.
• Confirm your account and subscription details.
• Upon confirmation of your One-Time PIN (OTP), your transaction is confirmed through a confirmation page, and an order confirmation is sent to your registered email address.
• Upon settlement, you will receive a transaction advice email with the complete details of your investment, including the price applied and the final settlement amount.

By opening a BPI Investment Fund account, you can access a wide range of investment options, including stocks, bonds, and other financial assets, to help you build a diversified portfolio and achieve your financial goals.

BPI Investment Funds' types

BPI Investment Funds are a selection of financial instruments and securities denominated in Philippine pesos or US dollars. The funds are tailored to investors with different risk profiles, ranging from moderately conservative to aggressive.

Moderately Conservative Funds

These funds are for investors with a moderately conservative risk profile who are satisfied with modest growth. Long-term goals may be challenging to achieve with these funds, even when risks are managed. Examples include:

• BPI Money Market Fund
• BPI US Dollar Short Term Fund
• BPI Premium Bond Fund

Moderately Aggressive Funds

These funds are for investors with a moderately aggressive risk profile who want to increase the value of their portfolio while protecting their assets from the risk of minor losses. Examples include:

• BPI Sustainable Global Bond Fund-of-Funds
• Odyssey Peso Medium-Term Bond Fund
• ABF Philippines Bond Index Fund
• BPI Global Bond Fund-of-Funds
• BPI Bayanihan Balanced Fund

Aggressive Funds

These funds are for investors with an aggressive risk profile who seek high growth and are prepared to take higher risks to earn greater returns. Examples include:

• BPI Philippine High Dividend Equity Fund
• BPI Philippine Equity Index Fund
• BPI Philippine Consumer Equity Index Fund
• BPI Philippine Infrastructure Equity Index Fund
• BPI Equity Value Fund
• Odyssey Philippine Equity Fund

BPI Investment Funds' rewards

BPI Investment Funds offer a range of rewards for customers. One of the main ways to earn rewards is through the BPI Rewards programme, which gives customers benefits and rewards for everyday banking and personal financial milestones. Customers can earn points by availing and using various BPI products and services, which can then be redeemed for a range of rewards including airline miles, shopping credits, dining vouchers, and gift certificates from various partners.

BPI Rewards points can be earned in several ways. Customers can earn 1,000 BPI points when they open a BPI Investment Fund and subscribe for as low as Php 1,000. They can also earn points by using their BPI Credit Card to shop, growing their funds with a BPI Saver Plus account, opening a BPI #SaveUp account, buying or selling foreign currency, or applying and paying for a BPI loan, including Auto, Housing, and Personal Loans.

In addition to the BPI Rewards programme, BPI also offers other promotions and rewards for its investment funds. For example, the Investment Real Thrills promo offered customers the chance to earn up to 200,000 BPI Rewards Points when they joined BPI Investment Funds (Unit Investment Trust Funds and Mutual Funds) during the promo period from July 8, 2024, to September 30, 2024. Customers could earn 10,000 BPI Rewards Points for every Php 500,000 or USD 10,000 investment made in a single transaction to any participating BPI Investment Funds, with a limit of 200,000 BPI Rewards Points per client.

BPI also offers the opportunity for customers to use their BPI Points to top up their existing mutual funds. Cardholders can convert their BPI Points to additional investments, with a conversion rate of 100,000 BPI Points = Php 5,000 worth of shares. This reward is only available to cardholders who are existing BPI Investment Management Inc. (BIMI) investors and have existing Mutual Funds (MF) investment accounts.

Overall, BPI Investment Funds provide a range of rewards and promotions to benefit customers, including the ability to earn and redeem BPI Rewards points and take advantage of special promotions.

Frequently asked questions