Invest Your Money in Peso Balanced Fund – and Find Out the Perfect Bank for You

They say OFW life doesn’t last forever. That’s true. This is why you need to “strike while the iron is hot” because you’ll never know until when you can work and earn in dollars.

“May savings naman kami,” you might say.

While that is a good news, unfortunately, savings is not enough to attain financial security. You need to explore other options, investment options in particular, to grow your money. One of the many investment options you can try is the Peso Balanced Fund. 

From the name itself, this type of investment is a mixture of fixed-income assets such as corporate or government bonds, and equities or stocks listed in the Philippine Stock Exchange (PSE). The good thing about this investment is that it is a good mixture of both risk and return; hence maximizing your investment while minimizing the risk involved in possibly losing your money.

Read on and find out this type of facility offered by banks and their respective features:

BDO Peso Balanced Fund

  • 40 to 60 percent allocation for equity securities
  • Minimum investment: P10,000
  • Minimum additional or maintaining participation amount: P10,000
  • Minimum holding period: 30 days
  • Early redemption fee: 0.50 percent of the original participation amount
  • Trust or Management fee: 1 percent per annum
  • Settlement period: Four banking days after Notice of Redemption is received

BPI Balanced Fund

  • 50 percent each Philippine Stock Exchange index and 91-day Treasury Bill
  • Minimum investment: P10,000
  • Minimum transaction or participation amount: P1,000
  • Minimum holding period: None
  • Early redemption fee: Not specified
  • Trust or Management fee: 1.5 percent per annum
  • Settlement period: Four banking days from the trading day

Metrobank’s Metro Balanced Fund

  • Blue chip stocks and select second-liners listed in the PSE
  • Minimum investment: P25,000
  • Minimum transaction or participation amount: P25,000
  • Minimum holding period: 30 days
  • Early redemption fee: 50 percent of the income
  • Trust or Management fee: 2 percent per annum
  • Settlement period: Next banking day from date of redemption

Security Bank’s SB Peso Asset Variety Fund 

  • Select equity investments listed in the PSE and marketable instruments such as government and corporate bonds
  • Minimum investment: P10,000
  • Minimum transaction or participation amount: P5,000
  • Minimum holding period: Not specified
  • Early redemption fee: Not specified
  • Trust or Management fee: 1.5 percent per annum
  • Settlement period: Not specified

China Bank Balanced Fund 

  • High-grade and marketable fixed income securities and equity issues in the PSE
  • Minimum investment: P10,000
  • Minimum additional investment: P5,000
  • Minimum transaction or participation amount: P10,000
  • Minimum holding period: 30 days
  • Early redemption fee: 1 percent of amount received
  • Trust or Management fee: 1 percent per annum
  • Settlement period: At the end of transaction date

PNB Prestige Balanced Fund 

  • Minimum investment: P10,000
  • Minimum additional investment: P10,000
  • Minimum transaction or participation amount: P1o,000
  • Minimum holding period: 30 calendar days
  • Early redemption fee: Not specified
  • Trust or Management fee: 1.25 percent per annum
  • Settlement period: Three banking days after redemption

RCBC Rizal Balanced Fund 

  • Up to 60 percent in local equities listed in PSE and fixed income securities
  • Minimum investment: P25,000
  • Minimum additional investment: P5,000
  • Minimum maintaining balance: P25,000
  • Minimum holding period: 30 calendar days
  • Early redemption fee: 0.25 percent of redemption proceeds
  • Trust or Management fee: 1 percent per annum
  • Settlement period: Three banking days from redemption date

PBCom Best Balanced Fund

  • Minimum investment: P10,000
  • Minimum additional investment: P10,000
  • Minimum holding period: 90 calendar days
  • Early redemption fee: 0.25 percent per annum of redemption value
  • Trust or Management fee: 1.5 percent per annum
  • Settlement period: Three banking days from redemption date

UCPB Balanced Fund

  • Minimum investment: P10,000
  • Minimum additional participation: P5,000 and in multiples of P1,000
  • Minimum holding period: 30 calendar days
  • Early redemption fee: 5 percent of the amount redeemed
  • Trust or Management fee: 1.75 percent per annum
  • Settlement period: Every 31st calendar day for settlement on the 34th calendar day

Don’t worry. The good thing about balanced fund is that your money is tied with sure assets that will enable you to grow your money. Choose a bank and inquire today. Remember, now is the best time to invest while you still can and still able to work.

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