How to get rich in the Philippines by investing in UITF.


The jobs here in the Philippines, as I have said before in my last article entry, says well on how scarce those opportunities are. Other than facing challenges on how to get to work, you will also you face low amounts of salaries. Now, I am not saying that jobs here in the PH sucks. I am saying that if you want to be rich, there is a way to do it here in the Philippines. UITFs  is an ideal tool for our target richness and it can provide short but usually long term investment capability. But what are they? Few people know about this kind of investments, but when they do, it can provide them good to high amounts of profit.

A quick and easiest way to start on this is by looking at this Ebook that I made on how to be successful in the Philippines.

What is a UITF?:

A UITF also known as a UNIT INVESTMENT TRUST FUND, is a program/service given by a bank to provide investment opportunities for the masses. They could have their own specialty such as real estate or foreign exchange. They are low risk to high risk investments that takes time (and trust me, a long time)  to mature for a profitable amount. There’s a lot of banks in the Philippines who offer these services, one of them is BDO.


They are different than stocks though, as they are not exactly stocks. Though, they invest on stocks, but the one you will get is a guarantee that the bank invested your money to a stock market. In other words, unlike the stock which you will utilize your money to buy shares; on UITFs, you are investing that money to be pooled with other people’s money and in return, the BANK will broker that money for stocks which guarantees you a return if there is a profit made in the market. They check the amount of profitability from the NAVPU or DAILY NET ASSET VALUE PER UNIT, as this dictates the current market reflecting the value of your UITF.


I have my own UITF investment, but you could choose which special UITF you may want to invest in, because not all UITF will have the same investment options.

Go ahead and check here: BDO UITFs and see if a particular UITF interests you.

Now for the good part, how do you get rich from it? or better yet, how do you profit from it?

See, I am a passive investor and also a long term one to boot. However, you may play two strategies in order to gain profit here.

  1. Buy on a low NAVPU period, then sell high on a higher NAVPU period.
  2. Buy on a good NAVPU period, then come back to it after 3 years later or so.

1.Buying on a low period and selling your UITF on a higher NAVPU period will definitely provide you with profit. Mind you though that there is a 30 day period that you usually cannot touch your UITF funds and plus there are commission fees because the bank brokers it for you. In other words, do the math and make sure that if you are remitting your UITF, the amount of profit will also pay for the commission. Do not get excited and just sell it back again after hitting a 1.5% markup of the NAVPU. I did this on a EPCIBEQ UITF and got a 12k return, after investing only 3 months. Ofcourse, the amount of funds I put in there is close to 300k but you do the math and you will see the profit.

2. Buying on a good NAVPU period, and coming back at it later is a long term investment strategy. This will ensure that you will not lose money (or gain also) based on a NAVPU value per day. So why is this good? See, if you are investing on a long term basis, problems that affect the country, politics, stocks down or low… will not necessarily affect you. The economy of a country usually goes up in a few years time. Same reason why 5 pesos before will be 10 pesos after a few years time. (I still remember that bazooka chewing gum that cost .25 cents and now it costs 1 peso to get one!) So all you have to do, is sit back, and get the profit later in a few years time. I have a UITF which I invested 2 years before at 100k Pesos, and now it is worth 145+K Pesos… and I have more than that now too.

All those two steps are profitable, but what if the UITF NavPu goes down? Here is the good news though: As long you do not withdraw your funds from the UITF, your money will still be there including your UITF in the Bank. You will not lose it as long as you do not withdraw it!  

Unlike stocks on which if the value goes way DOWN or if the company becomes bankrupt… pretty much your money and stocks will lose value. Nobody will buy a useless stock. Unless, you are short selling stocks.


In conclusion, you could invest here in the Philippines and be rich accordingly to what you put in. You could start UITF investment for as low as 5,000 Php or 10,000 Php Pesos depending on what UITF you may want. The bigger your investment, the higher the profit. But remember, to be rich, you have to decide NOW on what to invest. Failure to comply with the ever changing life cycle will definitely turn out worse on your future. Act now.





"Jay Penn" is a Financial Literacy Mentor and Investor who is best known for his Book "Polymath's Profit". He is also an expert in the field of Maritime, Engineering, and Emergency Medical from his past careers. Experienced with Security Analysis, Crisis Prevention, Contingency Planning, and Global Maritime Distress Safety System. Currently instructs Nautical Sciences and is an avid Researcher of Business and Economics. He is also recognized as the "Top Maritime Instructor" for 3 consecutive years in the Maritime Education from 2014; raising the standard for the Maritime Industry and Training.

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