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21 Comments

  1. Mico
    July 28, 2016 @ 11:45 pm

    You would have earned just P21, 661 within five years? That seems too little. Mmm, maybe I should get a moderately aggressive one? Anyway, I really like this article.

    Reply

    • Gretchen Gatan
      July 29, 2016 @ 9:20 am

      Well, it’s up to you. Since my profile is Moderately Conservative, I’m not that willing to take risks yet. 🙂 If you feel like Moderately Aggressive suits you best, you can consult with their Investment Counselor.

      Reply

  2. MELANIE BASAYSAY
    August 17, 2017 @ 10:38 pm

    Thanks for this informative post. I was researching about ALFM Peso Bond and I came across your site. 🙂

    Reply

    • Gretchen Gatan
      August 22, 2017 @ 5:55 pm

      You’re welcome! 🙂

      Reply

  3. Cel
    September 19, 2017 @ 12:16 pm

    Nice post madam. I came across your blog while i am searching for MF investment, my current investment is PMMF (UITF) in another bank. I hope to start with ALFM Peso Bond soon.

    Reply

  4. Ngan
    November 20, 2017 @ 6:18 pm

    Thanks for the info. I received emails from BPI regardings BPI Money Market Fund, so I made some researches and saw your blog. Are you still investing? Did you try the short term one also? Wondering how it is working.

    Reply

    • Gretchen Gatan
      November 20, 2017 @ 6:23 pm

      Yes, I try to invest once a month! 🙂 I’m doing the long-term one though.

      Reply

  5. Rhuzel Perez
    December 29, 2017 @ 10:26 am

    Good day! Nice post. Definitely helped me understand it before investing. I just have a question, your post is last year. So good so far pa rin ba? Thanks! And happy holidays!

    Reply

    • Gretchen Gatan
      January 2, 2018 @ 8:40 am

      Hello! 🙂 I’m not sure if there are any changes, so it’s best to check with the bank. But I still invest every month! 🙂

      Reply

  6. Paula Mercado
    January 9, 2018 @ 2:21 pm

    Hello, do I need anything to subscribe for this service? I’ am thinking of availing this for a while now. any advise about this?

    Reply

    • Gretchen Gatan
      January 10, 2018 @ 9:01 am

      Yes, they might need some requirements. I suggest you go to your nearest BPI branch to inquire and meet with their financial advisor. 🙂

      Reply

  7. Victor
    January 29, 2018 @ 8:56 pm

    Hi,

    I found this blog helpful. Have you tried to compare BPI’s ALFM vs PNB’s Mutual Funds in terms of returns/profit?

    Thank you.

    Reply

    • Gretchen Gatan
      January 30, 2018 @ 9:31 am

      Hello! Thank you! Sorry, I’m not so familiar with PNB’s Mutual Funds.

      Reply

  8. Vic
    February 6, 2018 @ 6:24 pm

    Hello! I was wondering.. using the example(21.66% in 5 years) in that infographic, can I redeem/ withdraw(5 years after investing) just the 21,661 or will I have to withdraw the whole amount: 121,661?

    The 4th bullet in that infographic(near bottom) states that “When redeeming, the proceeds may be worth less than the original investment”. Do you think this is due to the fluctuating value of money?

    Thank you very much for making an informative post about this subject, ma’am Gretchen.

    Reply

    • Gretchen Gatan
      February 8, 2018 @ 9:20 am

      Hi, Vic! From what I remember, you can withdraw just the P21,661 but I might be wrong so it’s better to ask their Financial Advisor to be sure. 🙂

      And yes, it was explained to me that it could be because of that. If you have more questions, I’m sure their Financial Advisor would be more than willing to answer them! 🙂

      Reply

  9. Niea
    April 14, 2018 @ 12:18 pm

    How much did you get after 5 years?
    I’m clueless but took the risk. Invested 5k for now.

    Reply

    • Gretchen Gatan
      April 19, 2018 @ 6:20 pm

      Hi, Niea! Still haven’t reached 5 years, and I don’t invest as regularly. But so far, I already have returns. 🙂 Just not big.

      Reply

  10. Mik Rovio
    July 10, 2018 @ 3:14 pm

    Hi Gretchen,

    Thanks for sharing your Peso Bond Fund experience, helpful indeed!

    – You’re pretty as well. Lucky him haha.

    Reply

  11. Liezel Mae Abuzo
    August 13, 2019 @ 12:50 am

    Hi,

    I just received my policy and that’s for Peso max coz they have me for moderately aggressive. Normal lang ba talaga yung note na “The Fund is NOT a DEPOSIT product and is not an obligation of, or guaranteed, or insured by the Fund Manager, and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Due to the nature of the investments, yield and potential yields cannot be guaranteed. Historical performance, when presented, is purely for reference purposes and is not a guarantee of future results.”? Like this is my first time to invest and for one-time payment. I still am in my cooling period. But I guess it was good naman just want to do some research and came across to your blog. Do you think it would be better for me to talk to my financial advisor? Di ko pa kasi ina-ativate yung eplan ko. Do you think I made the right choice purcahsing UTIF 🙂

    Reply

    • Gretchen Gatan
      August 14, 2019 @ 10:14 am

      Helloooo! So sorry, I’m not sure I’m the best person to give advice on this. Better to consult with a financial advisor na lang to be safe! 🙂

      Reply

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