We invested on a mutual fund offer from BPI, okay naman pero I would only recommend it if you have extra cash na hindi gagamitin soon, or yung tipong imbes na sa savings account mo ilagay, go for mutual funds. Hindi ganoon kataas ang returns, pero its a play safe investment. So far, wala naman naging problema sa experience namin w/ bpi. As for bdo, I haven't tried their MF.