Benefits of an Investor

[Squiers64]

Offshore banking is a world of opportunities for those seeking better return over their investments. Not just these banks offer high returns but also stability and easily accessible environment. The biggest advantage of an offshore bank is the amount of anonymity it offers. Some of the best offshore banking allows the customers to keep their invested amounts a secret. The customers need not go through any laborious procedures to open an offshore account. All it takes these days to open an offshore account is a call, a mail or a fax to the concerned people. There are not many restrictions in the working of an offshore bank. This allows them to earn high returns over investment. This high return is passed on to the customer as the banks want to attract more such users.

With unrestricted offshore environment, one delivers freedom from excessive taxation and freedom from red tape. With offshore banking, one can have access to numerous products and opportunities that might not be available from your domestic bank. Besides this, there can be effective asset protection and a level of privacy/secrecy usually unheard of "onshore."

How the investor benefits? Investors benefit from offshore banking accounts as they can often gain access to tax effective ways to handle large amounts of money. The taxation laws applicable on offshore account are not limited within one country. It falls under the taxation laws of the country in which your account is held offshore. Offshore banking protects assets against local creditors. This is because your foreign accounts aren't subjected to the local litigation laws, so your assets are protected.

[timrev]

Investing made easy with BDO
http://www.abs-cbnnews.com/business/...-made-easy-bdo

De Vera said the Unit Investment Trust Fund (UITF) addresses these concerns. A UITF is a collective investment scheme where money is pooled from various investors into a single fund. The funds are invested in government securities, equities, corporate bonds, and other tradeable securities.

"UITF offers good value for investors. BDO has the lowest fees in the industry. There are no agents' commissions, no backend fees. The performance (of the UITF) is better than benchmark. Liquidity and underlying assets are tied to your objectives, so the underlying investment works for your objective. This is very transparent, regulated by the BSP. Prices are available daily, while reports are available monthly and quarterly," de Vera said.

To make it easier and affordable for Filipinos to invest in UITFs, BDO is offering the Easy Investment Plan (EIP). Under the EIP, once you enroll your account, the bank will debit a certain amount (as low as P1,000) on a regular basis (once or twice month) to be invested in a UITF.

If you enroll in BDO's EIP, your money will be invested in a UITF that is most suited to your needs and concerns.

"UITF is not a one-size-fits-all product. How do you know which is the right UITF for you? Where are you in the investment life cycle? Are you in the 20-40 age group, 40-50? If you're around 20-40, you can afford to be more aggressive. But if you're around 40-50, you have to be more conservative. And you have to ask where you intend to use the money. The more immediate your need, the shorter your time horizon," de Vera said.

BDO offers 4 kinds of UITFs: Peso Money Market Fund (short-term fixed income securities), Peso Fixed Income Fund (medium to long-term fixed income securities), Peso Balanced Fund (combination of fixed income securities plus stocks) and Equity Fund (predominantly stocks). These are aimed at people with different risk appetites.

"If you're the type who can't take a lot of risk, you should in short-term fixed income securities. But if you're bolder, you can invest in a bond fund. But if you have excess money and afford to invest longer, you can buy a combo of fixed-income securities and stocks. If you're a risk taker and you're young, and you have time, you can go to an equity fund," de Vera said.

De Vera said UITFs offer better returns than time deposit rates and beats inflation. It also offers flexibility and liquidity, since it can easily be withdrawn.

Whatever your choice of UITF, de Vera said it is always good to remember the risk-reward rule: the higher the risk, the higher the reward; the lower the risk, the lower the reward.

However, UITFs do not offer any insurance or guaranty on principal and returns, so it is important to understand the risks that come with your investments. You should also choose a credible and seasoned fund manager, and know the regulatory safeguards for investor protection.

"When you invest with the trust department, we're on the same side. We're doing business for you as the client. We place your interest above all. We listen to you, what your investment goals are and we invest for you," the BDO executive said.

The BDO EIP also benefits from the "Peso Cost Averaging" strategy, where "fixed amounts of investments in regular intervals over a period of time allow you to average your costs." This allows one to invest without constantly monitoring the market.

De Vera said the EIP addresses the investing and saving concerns of investors. "With the EIP, saving and investing becomes a habit. It's simple, easy and automatic," she said.

anyone could explain me panu kaya to?

[uls]

a collective fund that invests in stocks & bonds

it's like a mutual fund but is run by a bank not by an investment company

[timrev]

ok po kaya yan BDO - UITF?...di pa po ako marunong sa ganyan...pero gusto ko matuto ...24yrsold palang kami ni wifey
gusto ko sana ng mga investment na ganyan on how it runs

[ZENMasterTYL]

uitf is a medium risk investment. ang uitf ni bdo is one if not the highest yielding uitf to date

para syang time deposit, mag place ka ng fund for a duration of time. but unlike sa time deposit, wherein fixed yung rate within the covered period, eto pwede mag fluctuate depende sa condition ng stock market

since maganda naman ang performance ng stocks currently, okay mag invest sa uitf

[timrev]

uitf is a medium risk investment. ang uitf ni bdo is one if not the highest yielding uitf to date

para syang time deposit, mag place ka ng fund for a duration of time. but unlike sa time deposit, wherein fixed yung rate within the covered period, eto pwede mag fluctuate depende sa condition ng stock market

since maganda naman ang performance ng stocks currently, okay mag invest sa uitf

mataas din kaya yun possibility na malugi? panu pag bumagsak yun stock market? BDO is one will fund PPP project ng govt diba...

[ZENMasterTYL]

yes, gaya nung nagkaroon ng global financial crisis. bagsak ang local stocks kaya bagsak din ang uitf

under normal circumstances, it's good and safe to invest in uitf

[uls]

kung mababa ang risk tolerance mo pumili ng uitf na invested in bonds

madami naman klaseng uitf ang bdo. di lang equity fund

[timrev]

anu ba and good and safe to investment in uitf? hundred thou to million lang ba pwede?

[ZENMasterTYL]

P10k lang minimum ng equity