How EIP works
Step 1
Decide how much you want to invest per month.
Step 2
Determine how frequently you want to invest (once or twice a month).
Step 3
Choose the UITF you want to invest in.
Why choose EIP
Affordability
No need to shell out a huge amount. You can invest for as low as ₱1,000 or $50 every month.
Convenience
You can easily open an EIP account online or by visiting any BDO branch.
Automatic Savings and Investment
Our auto-debit facility will ensure that you save and invest a certain amount every month, saving you the time of doing it yourself.
Access to a Wide Range of UITFs
UITFs (Unit Investment Trust Funds) are pooled investments where investors can participate and invest in assets that are normally available for bigger investors.
Professional Fund Management
Our seasoned fund managers keep watch over the UITFs. Even if you don’t know much about investing, you know your investment is being prudently managed.
Product Features
Investment Amount
Starts at ₱1,000 for Peso UITFs or $50 for Dollar UITFs per contribution per month.
Frequency and Schedule of Contributions
1x a month / 2x a month
(5th, 10th, 15th, 20th, 25th, 30th)
Settlement Account
Auto debit from any BDO Savings / Checking / Payroll account maintained with any BDO branch.
UITFs available with EIP
Peso Denominated UITFs
BDO Peso Money Market Fund
BDO Short Term Fund
BDO Peso Bond Fund
BDO Peso Multi-Asset Fund
BDO Equity Index Fund
BDO Equity Fund
BDO ESG Equity Fund
BDO Dividend Fund
BDO Focused Equity Fund
US Dollar Denominated UITFs
BDO Dollar Money Market Fund
BDO Dollar Bond Fund
BDO Global Equity Index Feeder Fund
BDO US Equity Index Feeder Fund
BDO Global EM Equity Index Feeder Fund
BDO Europe Equity Feeder Fund
BDO China Equity Feeder Fund
BDO Global ESG Equity Feeder Fund
Amount and issuance of confirmation of participation (COP)
Every time the market value of your investment reaches at least the default minimum of ₱10,000 for Peso UITFs or $500 for Dollar UITFs on a contribution date, your investment will be issued a COP.
Aside from the default, there is an option to determine the desired amount for COP issuance, provided that amount should not be lower than the minimum participation amount of the selected UITF and shall be the basis for the non-completion fee, if applicable.
Non-completion Fee
0.50% of the original amount for COP issuance
Cut-off for enrollment
At least four (4) banking days before the desired first contribution date
Documentary Requirements
EIP Application Form plus the UITF documentary requirements
Frequently Asked Questions
When you open an EIP account, you will be asked to answer the Client Suitability Assessment (CSA). The CSA will help you and us understand your investor personality based on your investment objectives, experience, time horizon, risk appetite and liquidity requirements. The results of your CSA will help determine the UITF product/s that will fit your investor personality.
Yes, you may enroll in EIP using your Kabayan savings account.
Enrollment to the EIP is free.
You may check your investment via BDO Online Banking. Simply enable My Trust Account/Invest Online to view your investment portfolio. Market Updates are also available and uploaded in the BDO website for your reference.
You will receive a Confirmation of Participation (COP) and Statement of Account (SOA). These documents will be available for pick-up at your EIP branch of account.
If you enrolled your EIP via BDO Invest Online, your COP and transaction details are available for viewing online.
There is no penalty if you miss an EIP contribution schedule. Your EIP account will still be active and we will continue to debit your checking/savings account on your next debit date/s. However, it is highly recommended to keep your settlement account funded so that you will not miss an investment opportunity through EIP.
For Regular UITFs (Non-Feeder Funds), your account will be debited on your chosen EIP contribution date.
To illustrate:
If your chosen EIP contribution date to BDO Peso Money Market Fund is every 15th of the month, your contribution for July 15 (Wednesday) will be debited from your account on the same day.
For Feeder Funds, your account will be debited 1 banking day before your chosen EIP contribution date.
To illustrate:
If your chosen EIP contribution date to a BDO Feeder Fund is every 15th of the month, your contribution for July 15 (Wednesday) will be debited from your account on July 14 (Tuesday) and will be settled/allocated on the next banking day (July 15).
For Regular UITFs (Non-Feeder Funds)
- If your EIP contribution date falls on a weekend, holiday, or non-banking day, your account will be debited 1 banking day before your chosen contribution date.
To illustrate: If your chosen EIP contribution date to BDO Peso Money Market Fund is every 25th of the month and July 25 falls on a Saturday, your account will be debited on Friday, July 24.
For Feeder Funds
- If your EIP contribution date falls on a weekend, Philippine holiday, or non-banking day, your account will be debited 2 banking days before your chosen contribution date.
To illustrate: If your EIP contribution date to a BDO Feeder Fund is every 25th of the month and July 25 falls on a Saturday, your account will be debited on Thursday, July 23 and will be settled/allocated on the next banking day (July 24).
- If your EIP contribution date falls on a target fund non-dealing day, your account will be debited based on the schedule of adjusted deduction date published in the BDO Feeder Fund’s page in the BDO website.
Yes. You can redeem/withdraw your investments and still be in the program. Just visit the branch where your EIP is booked.
For your investments with a COP, you need to surrender the COP upon redemption.
On the other hand, if you are redeeming participating units of investments without a COP, submit the Notice of Redemption.
If you enrolled via BDO Invest Online, you need to redeem/withdraw via the same channel.
If you are redeeming participating units of investments without a COP, this will be subject to a non-completion fee of 0.50% based on the original participation amount.
To illustrate:
Original participation amount – ₱5,000
Non-completion fee is 5,000 x 0.50% = ₱25 to be deducted from the final proceeds*.
*Final proceeds is computed based on market value.
If you lost your COP, you will be required to submit a notarized Affidavit of Loss to the branch where you enrolled your EIP.
If you enrolled your EIP online, your COP is available for viewing or printing online.
To discontinue the automatic debit arrangement from your deposit account, go to the branch where your EIP is booked and submit the Notice of Unsubscription Form. If you enrolled via BDO Invest Online, you need to unsubscribe via the same channel.
The participating units of your investments without a COP will automatically be redeemed. This transaction is subject to a non-completion fee. On the other hand, your investments with COP/s will remain in the UITF until you decide to redeem these.
If your EIP debit/deduction date falls on an unscheduled holiday (e.g. holiday declaration due to typhoon), your account will be deducted on the next banking day.
Before enrolling in the EIP, you should:
- Read the EIP Terms and Conditions
- Answer the Client Suitability Assessment
- Understand the Risk Disclosure Statement
- Ensure that the selected UITF matches your investment objectives and risk tolerance
Contact us
BDO Towers Valero
8741 Paseo De Roxas Makati City 1226 Philippines
BDO Contact Center:
Hotline: (+632) 8888-0000
Outside Metro Manila
(PLDT/Globelines): #8888-0000
(For landline only, press # followed by 8888-0000)
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
