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BPI SAVINGS Mai, Michelle A.

BPI INVESTMENT FUNDS • The BPI Investment Funds are funds that seek to offer

attractive risk-adjusted returns with a focus on undervalued and lower beta names, shorter durations and diversification principles consistent with capital preservation. The BPI Investment Funds are best suited to investors who are generally conservative, looking for stability, minimal volatility, certainty of income.

Fund Name

Fund Type

Minimum Initial Investment/ Maintaining Balance

Minimum RSP Initial Order Amount**

Minimum Transaction Amount and minimum RSP Subsequent Order Amount

Trust Fee

Moderately Conservative BPI Short Term Fund  

Money Market Fund

PHP 10,000

PHP 0

PHP 1,000

0.50%

BPI Bond Fund  

Intermediate Bond Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

BPI US Dollar Short Term Fund*  

Money Market Fund

USD$ 500

USD$ 0

USD$ 200

0.50%

USD$ 200

0.75%

Moderately Aggressive BPI Global Fund-of-Funds  

Bond Fund-ofFunds

ABF Philippines Bond Index Fund Bond Index Fund

USD$ 500

USD$ 0

0.08% Trust Fee PHP 10,000

PHP 0

PHP 1,000 0.186% Mgmt Fee

Fund Name

Fund Type

Minimum Initial Investment/ Maintaining Balance

Minimum Transaction Minimum RSP Initial Order Amount and Amount** minimum RSP Subsequent Order Amount

Trust Fee

Aggressive BPI Balanced Fund  

Balanced Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

BPI Equity Value Fund  

Equity Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

Equity Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

Equity Fund-of-Funds

USD$ 500

USD$ 0

USD$ 200

1.50%

Equity Index Fund

PHP 10,000

PHP 0

PHP 1,000

1.50%

Bond Index Fund

USD$ 500

USD$ 0

USD$ 200

0.25%

US Equity Index Fund

USD$ 1,000

USD$ 0

USD$ 500

0.75%

European Equity Feeder Fund

USD$ 1,000

USD$ 0

USD$ 500

0.75%

Bond Fund-of-Funds

PHP 1,000,000

PHP 0

PHP 10,000

Waived

BPI Philippine High Dividend Equity Fund   BPI Global Equity Fund-ofFunds   BPI Philippine Equity Index Fund   Philippine Dollar Bond Index Fund   BPI US Equity Index Feeder Fund   BPI European Equity Feeder Fund***   BPI Fixed Income Portfolio Fund-of-Funds****  

ODDYSEY FUNDS • Odyssey Funds are actively-managed funds that

represent BPI AMTG's specialist or opportunistic strategies that express the fund manager's best ideas to derive higher total return consistent with clients' more aggressive risk profiles. The Odyssey Funds are best suited for the more aggressive investors, have preference for specific sectors, looking to create wealth and expand their asset bases.

Fund Name

Fund Type

Minimum Initial Investment/ Maintaining Balance

Minimum Transaction Amount and Minimum RSP Subsequent Order Amount

Trust Fee

PHP 0

PHP 5,000

1.00%

Minimum RSP Initial Order Amount*

Moderately Aggressive

Odssey Peso Medium Medium Term Bond Fund Term Bond Fund  

PHP 10,000 Aggressive

Odyssey Peso Bond Fund   Odyssey Diversified Capital Fund   Odyssey Diversified Balanced Fund   Odyssey Philippine Equity Fund   Odyssey Philippine High Conviction Equity Fund   Odyssey Philippine Dollar Bond Fund   Odyssey Asia Pacific High Dividend Equity Fund  

Long Term Bond Fund

PHP 10,000

PHP 0

PHP 5,000

1.00%

Balanced Fund

PHP 10,000

PHP 0

PHP 5,000

1.50%

Balanced Fund

PHP 10,000

PHP 0

PHP 5,000

1.50%

Equity Fund

PHP 10,000

PHP 0

PHP 5,000

2.00%

Equity Fund

PHP 10,000

PHP 0

PHP 5,000

2.50%

Long Term Bond Fund

US$ 1,000

US$ 0

US$ 100

1.25%

Equity Fund

US$ 5,000

US$ 0

US$ 1,000

1.75%

ALFM MUTUAL FUNDS • BPI Investment Management Inc. (BIMI) manages six

ALFM Mutual Funds. Investors can either choose a single fund to invest in or create their own diversified portfolios, depending on their respective risk profiles and investment goals. 

https://www.alfmmutualfunds.com/

INSURANCE

CRITICAL CARE PLUS • Pays a benefit amount for major illnesses, surgeries and accidents. • Provides life insurance coverage until age 100. • Replaces income lost during hospitalization to cover your family’s day-to-day expenses or medical costs. • Builds up a savings fund that grows over time and acts as a ‘health fund’ to pay for other medical costs (i.e medicine, surgical equipment, etc.)  • Ensures continuous life protection coverage even in the event of non-payment of s upon diagnosis of major illness. • Tailor-fits your payment based on your budget, where you can choose from 5, 7, or 10-year payment periods.

BUILD LIFE PLUS • Build Life Plus comes with life insurance benefits.

Should anything happen to you, your family will receive benefits, giving them financial security.

• Choose from easy-to-pay options of as low as P1,800 a

month for a regular-pay product. Pay in as short as 5, 7, or 10 years. Plus, build up your investment anytime through additional s called Top-ups.

• *Age 30, male, P500,000 Basic Life Coverage and with

P500,000 A&H - P1,758.49 monthly.

BUILD LIFE PLUS COMES WITH THE OPTION TO ADD RIDERS TO GET MORE OUT OF YOUR INVESTMENT. RIDERS ARE ADDITIONAL BENEFITS YOU CAN GET ON TOP OF THE BASIC PLAN. CHOOSE BETWEEN THESE RIDERS TO MATCH YOUR DREAMS.

LIFE EXTREME PROTECT • Life Extreme Protect gives you a high insurance coverage to ensure your family’s financial security

during your critical working years.

• Life Extreme Protect can give you 10% additional life insurance coverage without additional cost.

You can enjoy this bonus as long as you pay your on time.

• Your life insurance coverage changes with any life changing event (e.g. new child, marriage, death

of spouse, adoption of legal child).

• The increase will be guaranteed upon submission of legal documents ing the occurrence of

such life event.

• Your coverage from Life Extreme Protect will continue regardless of the fund performance during

the first 10 years of your policy. **

• Life Extreme Protect helps you grow your money by investing in professionally-managed peso

funds.

• You can also increase your savings through top-up s which you can make regularly or

whenever you have available cash.

• Upon age 60 or on the 11th policy year (whichever is later), you may decrease the Face Amount to

boost long term savings by putting a bigger portion of your money to your chosen funds.

INVEST PESO MAX • Critical Illness Coverage. Get a lump sum cash benefit in the

event of a diagnosis of a covered critical illness.

• Accident and Health Coverage. Get an additional lump sum

benefit in the event of death, disability and dismemberment due to an accident.

• Term Insurance. Get more from what the base plan has to offer

with additional life coverage.

• HAVE FULL CONTROL OF YOUR PLAN AND SAVINGS. • Access your money easily through partial or full withdrawal of

the Value and boost your investment fund through additional payments called top-ups.

INVEST PLUS DOLLAR •

For as low as $5,000, you get this single pay-life insurance product.

•

Build up your investment anytime through additional s called top-ups.

•

Provides guaranteed life insurance coverage equivalent to 125% of single plus 125% of top-ups less 125% of each partial withdrawal of the Value, whichever is higher.

•

Notes:

•

1. This product will be issued under GIO by default provider that the application satisfies the GIO limits.

•

2. The Life Insurance coverage for the 2 years may be reduced according to the provision of Guaranteed Insurability Endorsement (GIE).

The Invest Plus Dollar Advantage: •

Single Pay Dollar denominated variable life.

•

Allows you to invest in a diversified portfolio of fixed income instruments.

•

Provided plan is in-force; it protects your investment as much as it protects the investor until age 100.

HEALTH SAVE 10 • Provides daily cash benefit for a maximum of 365 days per

accident or illness to cover the loss of income of each day of confinement.

• Enjoy the Unique Money Back Feature • Gives your s back after 10 years, with or without

Daily Hospital Income claims.

• Be pleased with an Affordable and Convenient Plan • No medical exam required except in specific cases as required

by the Company.

• Fixed s from the 1st year up until the 10th year.

LIFE PROTECT HEALTH • Guaranteed Life Insurance • Equal to 100% of your plan’s face amount for 10 years. • Accelerated Critical Illness Benefit • Receive 100% of the plan’s face amount upon diagnosis of a critical

illness.

• Accelerated Terminal Illness Benefit • Provides 100% of the plan’s face amount upon diagnosis of a terminal

illness.

• No Claim Benefit • Get back 50% of all annual s paid, including rider s, at

the end of the 10th policy year if no claims are made.

LIFE PROTECT • Now you can protect your family from life's uncertainties for as low as PHP 320.00 a month*, for a

PHP 1M life coverage!

• Depending on your budget, Life Protect lets you choose from among 1-year, 5-year or 10-year

-paying periods.

• Guaranteed Life Insurance

Equal to 100% of your plan's face amount for the duration of your chosen coverage period.

• Increase in Renewal Coverage

Upon first year of renewal, you are given the option to increase as much as 10%** of your policy's original face amount without having to go through medical examinations.

• Convertibility

You may convert your plan to another plan type of insurance package within a period of time.

• Renewability

Policy is renewable every year, every 5 years, or every ten years depending on your chosen plan type.

• *Basic plan only for one year coverage at age 30.

** Takes effect on any term renewal date period but shall be allowed only once during policy's life time.

ACCIDENT GUARD 24/7 • Accidental Death Benefit

Provides the 100% of the principal sum when injury results in the loss of life.

• Accidental Dismemberment & Loss of Use and Permanent & Total Disability Benefit

Provides a percentage of the principal sum corresponding to a schedule when injury results in an Accidental Dismemberment or Loss of Use of various parts of the proposed Insured’s body within one hundred eighty (180) days after the accident.

• Permanent and Total Disability Indemnity Benefit

Provides a monthly cash benefit equal to 3% of your coverage for 32 months on the 7th month of continuous, permanent and total disability. Receive a lump sum benefit of 4% of the Principal Sum if you remain totally and permanently disabled one month after the 32nd monthly benefit payment.

• Special Major Accidental Dismemberment Benefit

Receive an additional 25% of your principal sum if injury results to any of the following accidental dismemberment or loss of use:

•      1. Accidental Dismemberment of Loss of Use of Both Hands

     2. Accidental Dismemberment of Loss of Use of Both Feet      3. Accidental Dismemberment of Loss of Use of One Hand and One Foot      4. Loss of Sight of Both Eyes

• Special Comionate Benefit

Receive 2.5% of your principal, up to a maximum of PHP 100,000, in case of death not resulting from injury caused by an accident except for suicide while sane committed within two years from effective date or reinstatement date.

• Renewal Bonus

Your principal sum will automatically increase by 5% each year for the first five consecutive years, applicable only to the first PHP 800,000 of your total PA coverage.

• Coverage for Murder

Get as much as 100% of the benefits payable, up to a maximum of PHP 2,000,000, for injury due to murder.

• https://www.bpiexpressonline.com/p/1/672/bpi-investm

ent-funds • https://www.bpiexpressonline.com/p/0/46/life • http://themetrojoe.blogspot.com/2013/08/bpi-alfm-mutua

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