Investment Management Account

Maximize the potential of your earnings by investing in higher yielding outlets like government securities, special time deposits, preferred shares, corporate bonds, listed equities, private placements, and other investments via a BDO Invest account. 

Investment Management Account or IMA is an arrangement wherein BDO, through the Trust and Investment Group, renders asset management services according to the investment objectives, strategies and guidelines set by the investor. 

Investment Management Account or IMA is an arrangement wherein BDO, through the Trust and Investment Group, renders asset management services according to the investment objectives, strategies and guidelines set by the investor. 

Product Features

Minimum Investment


IMA 01 - ₱50 Million
IMA 03 - ₱1 Million
IMA 04 - ₱10 Million

Minimum Additional


IMA 01 - ₱1 Million
IMA 03 - ₱1 Million
IMA 04 - ₱1 Million

Fee Rate


IMA 01 - 0.10% p.a.
IMA 03 - 0.40% p.a.
IMA 04 - 0.20% p.a.

Term of Investment/s


Based on term of the investment outlet/underlying security

Eligibility


Filipino citizens and resident aliens of the Philippines.

Interest Rate


Prevailing market rate of available investment outlet 

Trading Period


12:00 noon 

Taxation


Subject to 20% final withholding tax

Allowable Investments


Government securities, deposits and other fixed income instruments approved by the BSP and the BDO Trust Committee for investment management arrangements.

Withdrawal of Principal


On a per Disclosure Statement basis, subject to prevailing market prices

Documentation Requirements

  1. Account Opening Kit
    • Customer Account Record – Trust
    • Investor Profile Questionnaire (IPQ)
    • Client Investment Suitability (CIS)
    • Risk Disclosure Statement (RDS)
    • Signature Card
  2. Investment Management Agreement
  3. Investment Instruction Letter
  4. Supplemental Agreement (if any)
  5. Standard account opening requirements and procedures
    • Photocopy of 2 valid IDs
    • 2 Sets of Signature cards
    • For foreign investors: Special Philippine Residency VISA/IDs

Disclosures

 
Trust, Investment Management, Agency and Fiduciary accounts are not deposit accounts but are products of trust entities. In agreeing to invest in said products, an investor is making an investment and not a deposit and such investment is therefore not insured nor governed by the Philippine Deposit Insurance Corporation (PDIC). BDO’s Trust, Investment Management, Agency and Fiduciary accounts are also not guaranteed nor insured by BDO Unibank, Inc., its affiliates or subsidiaries. Any income/loss in such investments are for the account of the investor. BDO-Trust is not liable for losses unless there is wilful default, bad faith or gross negligence on its part.

BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph).

For inquiries or concerns, please call BDO Contact Center at (02) 8631-8000 or email trustcustomercare@bdo.com.ph for trust and investment products or services.

The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc.
 
 
Subject to the exemptions under BSP regulations, the PRINCIPAL shall be entitled to a period of two (2) banking days from the date of the signing of the Trust Agreement within which to terminate the same without penalty, if applicable, subject, however, to the PRINCIPAL’s payment of all costs and expenses arising from such termination and the consequent pre-termination, unwinding or sale of the underlying investment/s of the account. All losses arising from the termination shall likewise be for the account of the PRINCIPAL. If the PRINCIPAL wishes to exercise his/its rights under this provision, the PRINCIPAL should immediately call/send an email to/visit his/its assigned Trust Marketing Officer/Account Officer. 
 
 
Effective January 1, 2018, we have adopted the provisions of Philippine Financial Reporting Standards 9 (PFRS 9) on the classification and measurement, impairment, and accounting for hedges (as applicable) for managed funds and portfolios as required of all BSP-supervised financial institutions.
 

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Contact us

BDO Corporate Center

BDO Towers Valero

8741 Paseo De Roxas Makati City 1226 Philippines

BDO Corporate Center

BDO Trust and Investments Group

(+632) 8631 - 8000

BDO Corporate Center

trustcustomercare@bdo.com.ph

This channel is dedicated to handling inquiries and concerns related to the following:
  • Unit Investment Trust Funds (UITFs)
  • Easy Investment Plan (EIP)
  • Personal Equity and Retirement Account (PERA)
  • Investment Management/Trust Accounts (IMA/TA)
  • Trust Invest Online