The BPI Premium Bond Fund is an actively managed bond fund that aims to grow your money through a diversified portfolio of medium-term Philippine bonds. Here's what it holds, who it suits, and how to invest through DragonFi.
It's a bond UITF (Unit Investment Trust Fund, a pooled fund run by a trust company) that seeks capital appreciation and income. It is actively managed, meaning the team adjusts the portfolio to take advantage of interest rate movements. It is managed by BPI Wealth.
What does it invest in?
The fund invests in a diversified portfolio of primarily medium-term fixed income instruments, mainly Philippine government securities. Its performance is measured against the BPI Philippine Government Bond 1-3 Year Index. The medium-term focus aims to balance income with manageable sensitivity to interest rate changes.
Who is this fund for?
This fund may suit you if you:
- Want more growth potential than a money market fund, with less risk than stocks
- Are comfortable with some movement in value in exchange for higher potential returns
- Are investing for the medium term
- Want an actively managed bond strategy
What's the risk level?
This is a moderate-risk fund. Its value can move with interest rates, rising when rates fall and dipping when they rise. As a medium-term bond fund, it carries more interest rate sensitivity than a money market or short-term fund, but less than a long-term bond fund. Returns are not guaranteed.
Can I hold this in a PERA or Regular account?
This fund is available through a Regular DragonFi account. It is not one of DragonFi's PERA-eligible funds.
What are the fees?
Like all UITFs, this fund charges a 1.5% per annum trust fee, already deducted from the fund before the daily price is calculated, so you don't pay it separately. Fees can change over time, so for the exact current trust fee, check this fund's page in the DragonFi app.
What's the minimum investment?
You can start investing in this fund for as low as ₱1,000 on DragonFi, and you can add to it any time.
How do I invest in or add to this fund?
You can invest in or top up this fund directly in the DragonFi app in a few taps. For the full steps, the daily cut-off time, and how your buy-in price (NAVPU) is set, see the "How to invest in a fund" article by DragonFi.
How do I sell or redeem it?
You can redeem some or all of your investment in the app whenever you like, with no fixed lock-in period. As a local bond fund, it settles within a few banking days. For the exact timeline, see the "How to sell or redeem a fund" article by DragonFi.
How long does it take to receive the money after I sell?
It takes 1 to 2 business days for the money to be credited to your account after selling the fund.
Where do I see the current NAVPU and returns?
The live price (NAVPU) and the latest returns are always shown on this fund's page in the DragonFi app. We don't list those figures here because they change every day, so the app is your most up-to-date source.
Good to know
- Actively managed. The team adjusts holdings to respond to changing interest rates, rather than simply tracking an index.
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Interest rates matter. Bond prices move opposite to interest rates, so values can dip when rates rise.
Access the fund page here:
BPI Premium Bond Fund | DragonFi
This fund is not a deposit and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns are not guaranteed. The fund's price (NAVPU) can rise and fall, so you may get back less than you invested, and past performance is not indicative of future results.