If you’ve opened the BPI app and tapped on “Investments,” you’ve probably seen the fund list — and immediately felt overwhelmed.
Money Market Fund. Short Term Fund. Premium Bond Fund. Philippine Equity Index Fund. Global Equity FoF. The list goes on.
BPI e-Invest offers 12 UITFs across completely different risk levels, time horizons, and asset types. For a first-time investor, picking the wrong fund isn’t just confusing — it could mean investing money you need in six months into something that could drop 10% overnight.
This guide cuts through all of it. We’ll walk through every major fund category offered on BPI e-Invest, explain the risk level in plain Filipino English, show you the actual 2026 return data, and help you figure out which fund fits where you are right now.
No jargon. No fluff. Just a clear, honest breakdown — so you can invest with confidence, not guesswork.
New to investing entirely? Read our complete beginner’s guide to investing in the Philippines first, then come back here to choose your first fund.
First: What Exactly Are You Investing In?
When you invest through BPI e-Invest, you’re not buying stocks directly. You’re putting your money into a Unit Investment Trust Fund — or UITF.
Think of a UITF like a shared pot. Thousands of investors pool their money together, and a professional fund manager invests that combined capital into different assets — government bonds, corporate bonds, or stocks — depending on which fund you’re in.
You own “units” in that pot. As the value of the underlying investments goes up, your units are worth more. If the market drops, your units are worth less.
📌 Important: UITFs Are Not Bank Deposits
Unlike your BPI savings account or a time deposit, UITFs are not covered by PDIC insurance.
Your principal (the money you put in) is not guaranteed. It can go up — or it can go down.This is not a reason to avoid UITFs. It is simply a reality you need to understand before you invest your first peso.
BPI Wealth — the trust corporation behind BPI e-Invest — is the largest trust institution in the Philippines, managing over PHP 882 billion in assets and regulated by the Bangko Sentral ng Pilipinas (BSP). That institutional credibility matters. But it does not eliminate market risk.
Now let’s look at each fund category — starting from the safest and moving toward the highest risk.
BPI e-Invest Fund Categories at a Glance
| Category | Risk Level | Who It’s For | Time Horizon |
|---|---|---|---|
| Money Market | Conservative | Complete beginners, short-term goals | 6 months – 1 year |
| Short Term Bond | Low to Moderate | Safety-first savers building an entry position | 1 – 2 years |
| Bond / Fixed Income | Moderate | Investors comfortable with some price fluctuation | 2 – 5 years |
| Balanced | Moderate to High | Investors wanting growth with some stability | 3 – 5 years |
| Equity (Philippine) | High | Long-term growth investors; PSEi exposure | 5+ years |
| Equity (Global / Feeder) | High | Diversified global exposure; currency risk | 5+ years |
Let’s go through each one in depth.
Category 1: Money Market Funds — The Safest Starting Point
BPI Money Market Fund
| BPI Money Market Fund RISK LEVEL: CONSERVATIVE The lowest-risk, lowest-fee entry point on BPI e-Invest. | |
| Trust Fee | 0.25% per annum |
| 1-Year Return | 3.85% (as of April–May 2026) |
| 3-Year Return | 13.74% (cumulative) |
| 5-Year Return | 17.77% (cumulative) |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| Invests In | Short-term government securities, money market instruments |
| 💡 Best for complete beginners or anyone with a short time horizon. Low fee, low volatility, positive real return above inflation. | |
BPI Short Term Fund
| BPI Short Term Fund RISK LEVEL: CONSERVATIVE Similar to the Money Market Fund, slightly higher fee. | |
| Trust Fee | 0.50% per annum |
| 1-Year Return | 3.86% (as of April–May 2026) |
| 3-Year Return | 13.37% (cumulative) |
| 5-Year Return | 16.19% (cumulative) |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| Invests In | Short-duration fixed income, money market instruments |
| 💡 Performs nearly identically to the Money Market Fund but charges double the trust fee. The Money Market Fund is the stronger pick for most beginners. | |
What is a Money Market Fund, exactly?
These funds invest in very short-term, high-quality debt instruments — think government treasury bills that mature in weeks or months, not years. Because the investments are so short-dated and government-backed, the fund value barely moves day to day.
You won’t get rich off a money market fund. But here’s what you will get: a return that currently beats inflation, a fund you can redeem within 1–3 business days, and zero anxiety about market crashes wiping out your balance.
🗓️ Who Should Choose a Money Market Fund?
✅ You’re investing for the first time and want to understand how UITFs work before taking on more risk.
✅ You have a goal in 6–12 months (a trip, tuition payment, gadget fund).
✅ You want a step up from a savings account but aren’t ready for market volatility.
❌ You have a 5-year horizon and want meaningful long-term growth — look at equity funds instead.
2026 context: With Philippine inflation at 1.7% and the BPI Money Market Fund returning 3.85% over the past year, you’re currently earning a real return of roughly 2.15% above inflation. For a conservative fund, that’s genuinely solid performance.
Category 2: Bond Funds — More Return, But Watch the Fees
ABF Philippines Bond Index Fund
| ABF Philippines Bond Index Fund RISK LEVEL: LOW TO MODERATE The hidden gem of the BPI e-Invest lineup — lowest trust fee of any fund. | |
| Trust Fee | 0.08% per annum (lowest in the entire lineup) |
| 1-Year Return | Data not publicly disclosed; tracks the iBoxx ABF Philippines Index |
| 3-Year Return | Index-tracking — follows broader PH bond market performance |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| Invests In | Government bonds tracked by the ABF Philippines index |
| 💡 Often overlooked by beginners but used by institutional investors. At 0.08% trust fee, it is 18x cheaper than active bond funds. The catch: returns are fully market-determined — no floor. | |
BPI Premium Bond Fund
| BPI Premium Bond Fund RISK LEVEL: MODERATE Actively managed bond fund — higher fee, hopes to outperform the index. | |
| Trust Fee | 1.50% per annum |
| 1-Year Return | 2.23% (as of April–May 2026) |
| 3-Year Return | 9.56% (cumulative) |
| 5-Year Return | 9.82% (cumulative) |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| Invests In | Medium to long-term government and corporate bonds |
| 💡 Charges a 1.50% trust fee on a fund that returned only 2.23% last year — meaning fees consumed a significant portion of gross returns. Compare carefully before choosing this over the index fund. | |
BPI Global Bond Fund of Funds (USD)
| BPI Global Bond Fund of Funds (USD) RISK LEVEL: MODERATE USD-denominated bond fund — adds currency exposure to the mix. | |
| Trust Fee | 0.75% per annum |
| 1-Year Return | 5.04% (as of April–May 2026) — partly boosted by peso depreciation |
| 3-Year Return | 14.81% (cumulative) |
| Min. Investment | USD 500 (approximately PHP 30,000 at current rates) |
| Currency | USD (peso depreciation benefits this fund in PHP terms) |
| Invests In | Global bond funds denominated in USD |
| 💡 The 5.04% 1-year return looks attractive, but part of it reflects the peso weakening to PHP 60.75/USD — not just bond performance. Factor in currency risk and the higher entry point before choosing this fund. | |
How Do Bond Funds Work?
When a bond fund’s value goes up, it usually means interest rates went down — and vice versa. This is the core dynamic of fixed income investing.
In 2026, the BSP (Bangko Sentral ng Pilipinas) has been cutting interest rates — from a peak policy rate down to 4.75% as of late 2025, with more cuts expected. This rate-cutting environment is actually good for bond funds, because existing bonds become more valuable when new bonds offer lower yields.
But that trend can reverse. If the BSP suddenly raises rates again, bond fund NAVPUs will fall. This is why bond funds carry more risk than money market funds — their value fluctuates based on interest rate movements.
🗓️ Who Should Choose a Bond Fund?
✅ You have a 2–5 year time horizon and want more return potential than a money market fund.
✅ You’re comfortable watching the fund value dip slightly during rate hikes, knowing it typically recovers.
✅ For the ABF index fund specifically: you want bond exposure at the lowest possible cost.
❌ You need this money within a year — use a money market fund instead.
❌ For the Premium Bond Fund specifically: run the math on the 1.50% fee vs. what it actually returned.
⚠️ The Fee Warning You Need to See
The BPI Premium Bond Fund charged 1.50% per year and returned 2.23% over the past 12 months. That means fees consumed roughly 40% of your gross return. Meanwhile, the ABF Philippines Bond Index Fund tracks a similar asset class at just 0.08% — 18 times cheaper. For long-term bond exposure, the fee difference compounds dramatically over 5–10 years.
Category 3: Balanced Fund — The Middle Ground
BPI Balanced Fund
| BPI Balanced Fund RISK LEVEL: MODERATE TO HIGH A mix of bonds and equities — growth potential with some cushion. | |
| Trust Fee | 1.50% per annum |
| Performance | Market-linked; detailed 2026 data not publicly listed |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| Invests In | Combination of Philippine equities and fixed income instruments |
| Typical Allocation | Roughly 40–60% equities, remainder in bonds (varies by manager) |
| 💡 Designed for investors who want some equity growth but aren’t ready for full stock market exposure. The 1.50% trust fee is on the high side for a blended fund — factor this into your long-term return calculation. | |
Who Is the Balanced Fund For?
Think of the Balanced Fund as the compromise option. You want to grow your money beyond what bonds can offer, but the idea of your entire portfolio moving with the stock market makes you nervous.
A balanced fund holds both — typically a mix of bonds (for stability) and stocks (for growth). When the market drops, the bond portion cushions the fall. When the market rallies, the equity portion captures some of the upside.
The downside? You still pay 1.50% per year for that blended exposure. And if you’re comfortable with a 5-year horizon, a straight equity index fund at 1.00% might actually serve you better on a risk-adjusted basis over time.
🗓️ Who Should Choose the Balanced Fund?
✅ You have a 3–5 year horizon and want equity upside without full market volatility.
✅ You’re a first-time equity investor who wants to ease into stocks gradually.
❌ You have a very long horizon (10+ years) — pure equity funds historically outperform over that timeframe.
❌ You’re very cost-conscious — the 1.50% fee adds up significantly over a decade.
Category 4: Philippine Equity Funds — Highest Local Growth Potential, Highest Risk
BPI Philippine Equity Index Fund
| BPI Philippine Equity Index Fund RISK LEVEL: HIGH Passive index tracking of the PSEi — the lowest-fee equity option. | |
| Trust Fee | 1.00% per annum |
| Tracks | Philippine Stock Exchange Index (PSEi) |
| Performance | Mirrors PSEi performance — dropped ~10% in March 2026 alongside the index |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| Invests In | PSEi component stocks in proportion to their index weight |
| 💡 The most cost-efficient equity option in the local lineup. If you believe in the long-term growth of the Philippine economy, this is the straightforward, low-cost way to invest in it. | |
BPI Philippine High Dividend Equity Fund
| BPI Philippine High Dividend Equity Fund RISK LEVEL: HIGH Focuses on Philippine stocks with strong dividend-paying history. | |
| Trust Fee | 1.50% per annum |
| Invests In | Dividend-paying Philippine equities (e.g., large-cap companies with consistent payouts) |
| Performance | Market-linked; exposed to full PSEi volatility plus dividend income |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| 💡 Targets companies with strong dividend records. The 1.50% fee is higher than the index fund, which can erode the dividend advantage over time. Compare net-of-fee returns carefully. | |
BPI Equity Value Fund
| BPI Equity Value Fund RISK LEVEL: HIGH Actively managed — fund managers pick undervalued Philippine stocks. | |
| Trust Fee | 1.50% per annum |
| Strategy | Value investing — seeks stocks trading below their intrinsic value |
| Top Holdings (2026) | Ayala Land (PHP 96.84M), Globe Telecom (PHP 60.78M) among key positions |
| Min. Investment | PHP 1,000 |
| Currency | Philippine Peso (PHP) |
| 💡 Higher fee justified only if the active management consistently outperforms the PSEi index net of fees. This is a high bar — globally, most active equity funds underperform their index benchmark over 10+ years. | |
The Elephant in the Room: The March 2026 PSEi Crash
In March 2026, the PSEi dropped 10.02% in a single month. Foreign investors pulled out US$231 million from Philippine markets, the peso weakened to PHP 60.75 per US dollar, and global geopolitical tensions rattled emerging market confidence.
Every single Philippine equity fund on BPI e-Invest felt that drop. If you had PHP 100,000 in an equity UITF at the start of March, you temporarily had roughly PHP 89,980 by the end of it.
This isn’t a reason to panic. But it is the most important lesson about equity funds: this is normal. Markets correct. They recover. But only if you have the time horizon to wait it out.
📌 The Golden Rule of Equity UITF Investing
Never invest in an equity fund money that you will need within the next 3 to 5 years. If you cannot afford to watch your balance drop by 10% or more without needing to withdraw, an equity fund is not for you yet. Start with a money market or short-term bond fund until your emergency fund is fully funded and you have a genuine 5-year window.
Why peso-cost averaging matters here: Investors who kept contributing PHP 1,500 or PHP 3,000 every month through March 2026’s correction actually benefited — they bought more units at cheaper prices. When the market recovered, those lower-cost units gained value. Panic-sellers locked in their losses permanently. Disciplined contributors did not.
🗓️ Who Should Choose a Philippine Equity Fund?
✅ You have a minimum 5-year investment horizon and won’t need this money anytime soon.
✅ You want exposure to the long-term growth of the Philippine economy and its largest companies.
✅ You’re comfortable with short-term drops in exchange for higher long-term returns.
✅ For the Index Fund: you want the most cost-efficient route (1.00% vs. 1.50% for active funds).
❌ You’re investing your emergency fund or tuition money — those belong in a money market fund.
❌ You plan to check your balance daily — this will cause unnecessary stress and poor decisions.
Category 5: Global and Feeder Funds — International Exposure for Intermediate Investors
BPI US Equity Index Feeder Fund
| BPI US Equity Index Feeder Fund RISK LEVEL: HIGH Tracks a US equity index — your window into American markets. | |
| Trust Fee | 0.75% per annum |
| Min. Investment | USD 1,000 (approximately PHP 60,000+ at current exchange rates) |
| Currency | USD — adds foreign exchange risk to your investment |
| Invests In | US equity index fund — exposure to S&P 500-type large-cap American companies |
| 💡 The 0.75% fee is reasonable for global equity exposure. But the USD 1,000 minimum puts this out of reach for most beginners. Best suited for investors who already have a stable PHP-denominated portfolio and want global diversification. | |
BPI Global Equity Fund of Funds
| BPI Global Equity Fund of Funds RISK LEVEL: HIGH Diversified global equity exposure through multiple underlying funds. | |
| Trust Fee | 1.50% per annum |
| Min. Investment | USD 500 (approximately PHP 30,000+ at current rates) |
| Currency | USD — peso depreciation adds return in PHP terms, but also adds risk |
| Invests In | Multiple global equity funds across different regions |
| 💡 Broader global diversification, but the 1.50% fee on a fund-of-funds means you’re paying fees at two levels (the underlying funds also have their own costs). The US Equity Index Feeder is typically the more cost-efficient global option. | |
BPI Catholic Values Global Equity Fund
| BPI Catholic Values Global Equity Fund RISK LEVEL: HIGH Global equity fund screened for Catholic ethical principles. | |
| Trust Fee | 0.50% per annum |
| Min. Investment | PHP 50,000 |
| Currency | PHP |
| Invests In | Global equities that pass Catholic social responsibility criteria — excludes companies involved in weapons, abortion, contraception, gambling, etc. |
| 💡 The lowest trust fee among global equity funds at 0.50%. For faith-aligned investors with PHP 50,000 to start, this is a uniquely positioned option. Not suitable for beginners given the PHP 50,000 minimum. | |
Should Beginners Invest in Global Funds?
Probably not as your first investment — and here’s why.
USD-denominated funds (US Equity Index Feeder, Global Equity FoF) require at least USD 500 to USD 1,000 to open, which means PHP 30,000–60,000 at current exchange rates. That’s a significant entry point for someone just starting.
There’s also currency risk to consider. When the peso weakens against the dollar — as it did in March 2026, hitting PHP 60.75/USD — your USD-denominated fund gains value in peso terms even if the underlying investments didn’t move. But this cuts both ways: if the peso strengthens, your returns get reduced when converted back to PHP.
Global funds make the most sense as a diversification layer once you’ve already built a stable local UITF portfolio. Start with peso-denominated funds, learn the rhythm of investing, and add global exposure later.
So — Which BPI e-Invest Fund Is Right for You?
Here’s the honest answer: it depends on three things.
- When do you need this money? If you might need it within a year, money market funds are your only real option. If you have 5+ years, equity funds become viable.
- How would you react to a 10% drop? If you’d panic-sell, you’re not ready for equity funds yet. Start conservative, learn the process, then gradually add risk.
- What’s your goal? A savings buffer for a short-term goal is different from retirement wealth-building. Match the fund to the goal, not to the fund’s marketing.
| Your Situation | Recommended Fund | Why |
|---|---|---|
| First-time investor, unsure about everything | BPI Money Market Fund | Lowest risk, lowest fee (0.25%), positive real return above inflation |
| Want bonds but hate high fees | ABF Philippines Bond Index Fund | 0.08% fee — the cheapest option in the entire BPI e-Invest lineup |
| 3–5 year goal, want some growth | BPI Philippine Equity Index Fund | 1.00% fee, passive PSEi tracking, most efficient local equity option |
| Long horizon, already has bond base | BPI Phil. Equity Index + Money Market | Split allocation balances growth and stability |
| Want global exposure, have PHP 50K+ | BPI Catholic Values Global Equity | 0.50% fee, global reach, faith-aligned screening |
| OFW building first investment habit | BPI Money Market Fund | Accessible from abroad via BPI app, low minimum, simple to manage |
One More Thing: The Trust Fee You’re Paying Is Bigger Than You Think
Before you tap “Confirm Subscription,” check the trust fee of the fund you’re entering. These fees are deducted daily from your fund’s NAVPU — you never see them as a separate charge. But over 10 years, the difference between a 0.08% fee and a 1.50% fee on the same PHP 100,000 investment is roughly PHP 28,000 in lost compounding.
Here’s what that looks like:
| Fund | Trust Fee | Net Return (8% gross) | Value After 10 Yrs | Fees Lost |
|---|---|---|---|---|
| ABF Phil. Bond Index | 0.08% | 7.92% | PHP 215,700 | ~PHP 1,500 |
| BPI Money Market Fund | 0.25% | 7.75% | PHP 212,800 | ~PHP 4,400 |
| BPI Phil. Equity Index | 1.00% | 7.00% | PHP 196,700 | ~PHP 20,500 |
| BPI Active Equity Funds | 1.50% | 6.50% | PHP 187,700 | ~PHP 29,500 |
*Illustrative only. Assumes flat gross 8% annual return on PHP 100,000 over 10 years.
The message is simple: lower fees mean more of the market’s returns stay in your pocket. Favour index funds over active funds wherever the performance data doesn’t clearly justify the higher cost.
The Bottom Line
BPI e-Invest is one of the most accessible investing platforms available to Filipinos in 2026. You can open your first investment in minutes, starting with PHP 1,000, from the BPI app you already use.
But the platform’s accessibility is only as powerful as the decisions you make inside it. Choosing the wrong fund — a high-fee equity fund when you have a 6-month horizon, or a money market fund when you have a 10-year runway — can cost you real money over time.
The good news? You don’t need to be an expert. You just need to ask the right questions: When do I need this money? How much risk can I stomach? Am I paying more in fees than I need to?
If you’re already using BPI e-Invest for UITFs, the next step is building a complete investing strategy — one that covers when to buy, what to hold, and how to manage your portfolio as it grows. Our investing guide for Filipino beginners is a great place to start.
Want Expert Guidance on Which Funds to Pick?
Choosing the right fund is just the first step. The Truly Rich Club (TRC), founded by Bo Sanchez, gives Filipino investors a step-by-step investing roadmap, curated stock picks, and a community of like-minded beginners — so you can invest with clarity and confidence, not guesswork.
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Want to see if TRC is right for you? Read our full Truly Rich Club review for 2026 →
Frequently Asked Questions About BPI e-Invest Funds
Which BPI e-Invest fund is best for beginners?
For most first-time investors, the BPI Money Market Fund is the strongest starting point. It carries the lowest trust fee among the money market options at 0.25% per annum, has posted a 3.85% one-year return as of April–May 2026, and is well above the current 1.7% inflation rate. The fund value barely fluctuates day to day, which makes it a low-stress way to learn how UITFs work before taking on higher-risk options.
Is BPI e-Invest safe for beginners?
BPI e-Invest is regulated by the Bangko Sentral ng Pilipinas (BSP) and managed by BPI Wealth, the largest trust corporation in the Philippines by assets under management. The platform itself is credible and well-regulated. However, UITFs are not covered by PDIC insurance — unlike a savings account or time deposit, your principal can go up or down depending on market conditions. “Safe” in the context of BPI e-Invest means choosing the fund that matches your risk tolerance and time horizon, not that your investment is guaranteed.
What is the minimum investment in BPI e-Invest?
The minimum investment for most peso-denominated UITFs on BPI e-Invest is PHP 1,000. BPI Wealth lowered the minimum from PHP 10,000 to PHP 1,000 in June 2023. USD-denominated funds have higher minimums: the BPI Global Bond Fund of Funds starts at USD 500, the BPI US Equity Index Feeder requires USD 1,000, and the BPI Catholic Values Global Equity Fund has a PHP 50,000 minimum.
What is the difference between a money market fund and an equity fund in BPI e-Invest?
A money market fund invests in very short-term, government-backed securities. Its value barely moves, and it is designed for investors who want a safe, liquid, low-volatility place to grow their money. An equity fund invests in stocks — either Philippine companies on the PSEi or global equities. Equity funds offer higher long-term return potential but also experience significant short-term swings. In March 2026, Philippine equity UITFs dropped over 10% in a single month. Money market funds saw almost no movement in that same period.
Can I lose money in BPI e-Invest?
Yes, you can lose money in BPI e-Invest — specifically in bond, balanced, and equity funds. All of these are market-linked instruments, meaning their value rises and falls based on interest rate movements (for bond funds) or stock market performance (for equity and balanced funds). Money market funds carry the lowest risk of principal loss but are not completely immune to minor fluctuations. The PDIC does not insure any UITF investment.
How long should I keep my money in BPI e-Invest?
This depends entirely on which fund you choose. Money market funds are suitable for holding periods as short as a few months. Bond funds generally work best with a 2–5 year horizon, allowing time to recover from interest rate movements. Balanced funds suit a 3–5 year window. Philippine and global equity funds require a minimum 5-year commitment to absorb market volatility and allow the growth trend to play out. The most common mistake among new investors is choosing an equity fund for money they need in 12 months.
What is a trust fee and does it affect my returns?
A trust fee is the annual management fee charged by BPI Wealth for managing the fund. It is deducted daily from the fund’s Net Asset Value Per Unit (NAVPU), so you never see it as a separate line item — it is already reflected in your fund’s reported return. The trust fee range in BPI e-Invest goes from 0.08% for the ABF Philippines Bond Index Fund to 1.50% for active equity and bond funds. On a PHP 100,000 investment held for 10 years at an 8% gross return, the difference between a 0.08% fee and a 1.50% fee is approximately PHP 28,000 in additional value.
Should I invest in peso funds or dollar funds on BPI e-Invest?
For beginners, peso-denominated funds are the right starting point. Dollar-denominated funds introduce currency risk — your return in PHP terms depends on both the fund’s performance and the PHP/USD exchange rate. When the peso weakens (as it did to PHP 60.75/USD in March 2026), dollar funds gain extra return in peso terms. But when the peso strengthens, the opposite happens. Start with peso funds, build your investing confidence, and consider adding global or USD-denominated exposure once you have a stable core portfolio.
What happens to my BPI e-Invest investment when the stock market crashes?
If you are invested in a Philippine or global equity UITF, your fund value will decline during a market crash — there is no floor or protection. During the March 2026 PSEi correction of over 10%, equity UITFs fell in proportion to the index. However, money market and short-term bond funds were largely unaffected. The important principle is time horizon: investors with a 5-year or longer window who stayed the course through the correction ultimately benefit from buying more units at lower prices, while panic-sellers locked in their losses permanently.
How do I redeem my BPI e-Invest investment?
You can submit a redemption request directly through the BPI Mobile app or BPI Online under the UITF Redemption Order section. Proceeds are credited to your linked BPI account within 1 to 3 business days for most funds. Note that the amount you receive is based on the NAVPU at the time your redemption is processed — not the price at the moment you submitted the request. This lag means short-term price movements between submission and processing can slightly affect your final amount.
Is BPI e-Invest better than a time deposit?
It depends on what you need. A time deposit offers a guaranteed, fixed interest rate and is covered by PDIC insurance up to PHP 500,000 per depositor — your principal is fully protected as long as you hold it to maturity. BPI e-Invest UITFs are not guaranteed and not PDIC-insured, but they offer the potential for higher returns and more flexibility in terms of redemption timing. In 2026, the BPI Money Market Fund’s 3.85% one-year return has been competitive with or better than many bank time deposit rates, but this is not guaranteed in future periods. If capital safety is your absolute priority, a time deposit is the safer choice.