Investment Management Agreements

 

BDO INVESTMENT MANAGEMENT ACCOUNT (Regular Taxable – Peso Denominated)

Maximize the potential of your money to earn by investing them in higher yielding outlets available through BDO Investment Management Account. Under this arrangement, you can create a portfolio by choosing from among several available investment outlets that we offer daily. These investment outlets may be in the form of government securities, investment grade corporate bonds and promissory notes, or time deposits.

Client Suitability

The Investment Management Account arrangement is ideal for high networth individuals looking for higher yields than traditional bank deposits but do not have the time to manage their own funds or have limited investment options known to them.

Product Features

BDO offers the following Investment Management Accounts:

  IMA 01 IMA 03 IMA 04
Minimum
Investment
 

PhP 50 Million

Or if in long-
term outlets,
at least
PhP 1 Million

PhP 1 Million

 

PhP 10 Million

 

Minimum Additional PhP 1 Million PhP 1 Million PhP 1 Million
Fee Rate 0.10% p.a. 0.40% p.a. 0.20% p.a.
Currency: Philippine Peso (PhP)
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: SDAs, 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

Benefits to Clients

Professional Fund Management

When you invest with BDO Trust, you benefit from the expertise of seasoned investment professionals, all working together to deliver your investment goals and always keeping in mind your risk profile. These experts have the research capabilities, skills, knowledge, experience, as well as state-of-the-art technology that allow them to decide when and what securities to buy and sell in order to yield the best possible returns for your funds.

Customized Portfolio

With a minimum investment of PhP 1 Million, our seasoned fund managers can create an investment portfolio of securities fitted to your investment objectives, risk appetite and investment outlook. The end goal is to provide you with superior returns, taking into account your risk-reward profile.

Diversification and Flexibility of Investments

Your funds can be invested in your choice of one or several investment outlets. You also have the option to withdraw the income earned from your investments, regularly or upon your request.

Competitive Returns

You have the discretion to invest your funds in specific instruments giving you more flexibility. Moreover, your funds are not subject to reserve requirements thus allowing full investment of your fund for maximum earnings.

Administrative Ease

Trustee Bank provides financial statements, documentation and legal assistance, and representations with government agencies concerned.

Documentation

Investment Management Account (Regular) 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

 

Important:  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.