ALFM Global Multi Asset Income Fund: STILL WORTH IT? 2 Yrs Fund Performance + Dividend Update!
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- เผยแพร่เมื่อ 19 เม.ย. 2024
- Here I'm sharing a 2 year update on the BPI ALFM Global Multi-Asset Income Fund which is available via GCash Ginvest and BPI. The BPI ALFM Global Multi-Asset Income Fund was launched in the Philippines in January 2021 initially via BPI and later on in December 2021, the fund launched with GCash GInvest. While new, this fund's target fund is actually the BlackRock Global Multi-Asset Income Fund. This fund was launched by the prestigious BlackRock financial group in 2012. Based on this, the fund has cumulative returns of over 50% (at the time that the video was shot). As the target fund, BPI-ALFM allocates over 90% of the capital they are managing for the fund into this BlackRock Global Multi-Asset Income Fund. Thus, the future performance of this new mutual fund from BPI-ALFM can be tied into the performance of the target fund. For more information about this,, global fund from BlackRock, click here: www.blackrock.com/americas-of...
Similar to Philippine REITs, this mutual fund from BPI-ALFM is projected to provide high dividend yields of 3 to 5% on top of the price appreciation of the fund. Investors are also subject to promising returns as they get dividends every month in the form of additional shares in the said fund. That's right, this is how to get more dividends every month versus your other investments. Unlike REITs that are focused on a number of buildings, at best spread across different cities and developments in the Philippines, the BPI-ALFM Global Multi-Asset Income Fund is exactly that: a way to diversify your investment and benefit from the economic conditions from the rest of the world as it's investing in global markets.
IAs a global market investment, this mutual fund spreads its investments across different regions enabling you to take advantage of economic conditions that may be more favorable versus the local Philippine market. The fund allocates over 60% of its high dividend yield portfolio to North America, 15% to Europe, 15% to other markets, and the rest of that to the rest of the world. As a multi-asset fund, the fund is not invested merely in global equities as most ETFs, UITFs, or Mutual Funds are. Surprisingly, this high dividend fund invests over 60% of its portfolio into more conservative Fixed Income Securities. Specifically, 40% is invested in the US Fixed Income Market while 20% is invested in the non-US fixed income securities. The remainder of the fund is invested in US Equities, Non-US Equities, and ETFs. Currently, the fund has shares in Google and Citi Group for US Equities and Taiwan Semiconductors for Non-US Equities. For ETFs, it's invested in iShares High Yield funds.
A great benefit of this fund is that even though it's invested in the global markets, you can invest in it without having to change your pesos into dollars and avoid the hassle. The minimum investment now starts at just P50! As a managed fund, there is a 1% fee per annum common to UITFs and Mutual Funds. This is the only downside in investing in this fund versus REITs whereas fees associated with REITs are only the broker fees. The upside is however being invested on a global scale!
Do you think it's worth it to invest in the- BPI-ALFM Global Multi-Asset Income Fund or would you rather invest in REITs? If you think it's worth investing in, check out below:
New to investing? Check out my Beginner's Guide to Investing here:
• Investing for Beginner...
Credits to the ALFM Mutaul Funds page on Facebook for their infographs and materials.
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First, the multi-income fund as you have said is a balanced fund. Balanced funds, at best, will give average returns. If the manager see that there is a need for more safety, it will allocate more towards bonds than stocks (especially now with high interest rates). For me, I will stick with my investment in this fund because primarily I am aiming to have monthly income, which helps with my stock dividend portfolio. This is a long-term investment and the strategy is to hold it and reinvest the dividends to this fund or to other investments.
Agree. Besides, monthly cash flow is too good to ignore. Cash is king!
Agree HODL talaga to. It's the satisfaction of monthly consistent dividends that make this fund a W.
Agree with you .
What? This is my favorite fund nowadays. I literally buy everyday. I'm up just 2% and I know it won't grow too much. It has equities so you can't invest one time or just a few times. The cash flow it provides is excellent.
same. my fave too. baka downplay lang ni for the content para pababain presyo. buy low and HODL ❤
Depends with how you invested. If you're getting thousands of pesos in dividends per month. And only a few thousand down.
All in all, the dividends far make up for any paper loss.
True
Yes as shared it's almost breaking even for me
hey you have to be patient bro.The recommended holding period for this fund is at least 5 years so iyou're not quite there yet. plus do value investing i.e. buy more if the price is low and buy less if the price is high. the key is to get the maxiimum units as you buy. right now I'm getting as much as 6%pa in dividends in this fund. happy investing mark. 😇
Personally, this fund will be for some diversification in my portfolio but I'll take more of my chances with any of the S&P 500 funds that I've mentioned. Thank you for your advice.
Nakabili ako nyan nung nasa 40 to 41 petots nyan a few months ago. Positive naman ako.
I also have this since 2 years, investing 2k a month via COL Financial, I have a 0.41% GAIN.
I am doing Peso-Cost-Averaging, twice monthly
My plan for this fund is more on receiving monthly dividends which so far, i am satisfied with their dividends.
yes solid ang monthly dividends. consistent yun satisfaction instead of waiting quarterly or annually.
Papano taxes ng fund na yan sa dividends, ilan percent?
@@Polymosnation wala, zero ang withholding tax
@@JumarAnthonyDevera kamusta overall gain mo sir.
@@Polymosnation all goods. Up by 5.11% ako. I started 28 months ago, doing cost averaging
better to invest sa mp2, reits or preferred shares 😊
Personally sir, mutual funds are a NO sa akin. Grabe mahal niyan then syempre tao nag mamanage so mag dasal ka na okay sila sa emosyon. 🤣
Average annualized div yld is around 5%. Di na rin masama.
May tax po ba dividend. Ilan percent
Kung dividend ang habol, mababa ito. Mas malaki pa dividend ng mp2
Today bpi sa ginvest 1 pesos
You can check your emails.. they send the dividend amount there so you can backtrack
For investments via GCash they do. But investments via BPI Mobile unfortunately not available.