Whether youre a newbie or a savvy investor,

BDO has the expertise to make your investments

work for you.
It begins with knowing your investment profile
and laying down your objectives. Depending on
your needs, we design a customized investment
package that can help make your money grow to
give you the results you desire.
We partner with you in securing and managing
your finances for as long as you require
whether your goals evolve from investment to
inheritance, success to succession.
If youre considering investing, consider BDO
and together, we can raise your investments to
the next level.
What are time deposits?
If youve only just begun to consider investing,
time deposits are a good place to start. A time
deposit or term deposit is a facility wherein you
can put in your investable funds for a specified
amount of time. During that time, your investment
cannot be withdrawn but it will earn a specific
interest rate higher than regular deposit
accounts. BDO has a range of time deposit
products for you to consider.
What are Unit Investment Trust Funds?
Unit Investment Trust Funds (UITFs) are ready-
made investment portfolios that allow the pooling
of funds from different clients with similar
investment objectives for the purpose of
collective placements in various securities. If you
are ready to go beyond traditional bank deposit
products and wish to gain access to financial
markets usually just available to bigger investors,
then UITFs may be an ideal choice for you. With
BDO UITFs, common investment concerns such
as affordability, returns, liquidity and investment
expertise are addressed. Our wide selection of
UITFs allows you to choose a fund or a combina-
tion of funds that suit your needs, financial
requirements and life goals.
BDO Investments
The best way
to achieve.
With an availed BDO Auto or Home Loan plus a
Savings or Current Account, you automatically qualify
for the BDO Rewards Program.
Earning Points
Its easy to earn points. Once qualified, each month,
you can earn:
- up to 5 points for every Php 100,000 auto loan balance
- up to 5 points for every Php 200,000 home loan
balance.
You can also earn points from other qualified BDO
products and services such as: deposit accounts,
investments, debit card payment transactions,
remittances and paying bills via ATM, phone, mobile or
Internet. Present your Rewards card to the cashier at
SM, SM retail establishments and other BDO Rewards
Partners and earn points from your purchases!
Using Points For Free Shopping
Use your BDO Rewards points to shop at SM Depart-
ment Store, SM Supermarket, SM Hypermart, and for
purchases at SM Cinema and other SM retail establish-
ments. You can start shopping with as low as 50 points
or Php 50.00. Simply present your Rewards card to the
cashier.
Only BDO rewards you with free SM shopping
points, exclusive perks and one-of-a-kind
privileges!
Banking has never been this rewarding!
BDO Rewards
Offering financial savvy and
flexibility for your every investment.
For more information on your
savings options, visit
www.bdo.com.ph
BDO Customer Contact Center:
(632) 631-8000
Domestic Toll Free-Numbers:
1-800-10-631-8000 ( PLDT )
1-800-3-631-8000 ( Digitel )
1-800-8-631-8000 ( Globe )
1-800-5-631-8000 ( Bayantel )
Two kinds of government securities are available
from the Philippine Government through the Bureau
of Treasury. Treasury Bills and Treasury Bonds are
made available to you through reliable licensed
dealers such as BDO. You enjoy these investment
facilities at virtually no risk since these are direct
and unconditional obligations by the Philippine
government.
Treasury Bills
Treasury Bills are a solid choice if you want a
low-risk investment that earns returns within a
shorter term. For a minimum Php 100,000, enjoy the
gains as your investment yields higher interest in
tenors of less than a year.
Treasury Bonds
For long term, low-risk investments, Treasury Bonds
are ideal. These mature at tenors ranging from 2
years to 25 years, depending on their availability.
For a minimum of Php 100,000.00, you see the fruits
of your investment through regular coupon interest
payments, plus the effective yield of the entire
investment can also be increased when these
interest payments are reinvested in other interest -
earning instruments. Whats more, your investment
in Treasury Bonds can be used as collateral for
loans with BDO.
Easy Investment Plan
The BDO Easy Investment Plan (EIP) is a wealth
build-up scheme that enables you to attain your
financial goals and financial wellness through the twin
habits of regularly saving and investing. It incorpo-
rates what investment experts consider as the
best, tried and tested principles that make a
successful saving and investment plan and
provides a solution to counter the major obstacles
to saving and investing.
Customized Investment Portfolios
If you wish to have a customized investment
portfolio, open a Trust or Investment Management
Account with BDO Trust and let its expertise work
for you. BDO Trust will manage your funds, aiming
to make the most of your money while taking into
account your investment objectives, preferred type
of securities and strategies and set guidelines.
Competitive Rates. Expert Advise. Sound Investments.
Time Deposit Description
Minimum
Placement
Proof of
Ownership
Interest
Rate
Terms
Description
Minimum
Investments
Best suited for
Peso Term Account P1,000
Earns higher than a regular Peso
savings account and allows you
to schedule the release of your
funds at the terms you want.
Dollar Time Deposit $1,000
Enjoy higher earnings for your
dollars and schedule the
release of your funds on the
date you specify.
Kabayan Peso
Time Deposit
P1,000
Overseas Filipino Workers
(OFWs) and their beneficiaries
get more for their money in
this secure facility.
Kabayan
Dollar Account
$1,000
Overseas Filipino Workers
(OFWs) and their beneficiaries
can keep hard-earned dollars
and enjoy tailor-fit benefits.
MONEY MARKET FUND TYPE
BDO Peso Money Market Fund (PMMF)
BDO Dollar Money Market Fund (DMMF)
Aims for capital preservation and income
generation from low risk investments
PMMF - P 100,000
DMMF - $ 2,000
Moderate Investor with
an investment time
horizon of at least six
months to a year
BALANCED FUND TYPE
BDO Peso Balanced Fund (PBAL)
Strives to achieve capital appreciation
over medium to long-term through a
combination of fixed income
investments and stocks
PBAL* - P10,000
Balanced Investor
with an investment
time horizon of more
than three years
EQUITY FUND TYPE
BDO Equity Fund (Equity)
Maximizes returns for wealth
accumulation by investing mainly
in equities.
PBAL* - P10,000
Balanced Investor
with an investment
time horizon of more
than three years
BOND FUND TYPE
BDO Peso Bond Fund (PBF)
BDO GS Fund (GSF)
BDO Peso Fixed Income Fund (PFIF)
BDO Dollar Bond Fund (DBF)
BDO Medium Term Dollar Bond Fund
(MTDBF)
Aims for capital preservation and higher
yields by investing in short to long term
fixed income securities.
PBF, GSF - P100,000
PFIF* - P 10,000
DBF, MTDBF - $2,000
Moderate Investor
with an investment
time horizon of at
least three years
BDO Unit Investment
Trust Fund (UITF)
*Also available via the BDO Easy Investment Plan
Disclosure: BDO Unit Investment Trust Funds (UITFs) are not deposits but trust agreements. They are not obligations of, nor guaranteed, by
BDO and are not insured by the PDIC. UITFs do not carry any guaranteed rates of return. Any income or loss arising from market uctuations and
price volatility of the securities held by the UITFs, including government securities, is for the account of the investor. The units of participation
in the funds, when redeemed, may be worth more or worth less than the initial investment of the investor. Historical performance, when
presented, is purely for reference purposes and not a guarantee of similar future results. BDO, as trustee, is not liable for losses unless there is
fraud, willful default, bad faith or gross negligence on its part.
OTHER TRUST PRODUCTS GOVERNMENT SECURITIES
Quoted Daily
by Treasury
Certificate of
Time Deposit
Quoted Daily
by Treasury