The BPI PERA Equity Fund is a stock fund for your retirement savings that aims for long-term growth through Philippine companies, with the tax advantages of a PERA account. Here's what it holds, who it suits, and how it works on DragonFi.
It's a PERA UITF, a Unit Investment Trust Fund built specifically for a Personal Equity and Retirement Account (PERA). It aims for long-term capital growth by investing in Philippine stocks. It is managed by BPI Wealth.
What does it invest in?
The fund invests in a diversified portfolio of stocks issued by Philippine-domiciled companies. Its performance is measured against the PSEi Total Return Index, the main gauge of the Philippine stock market. As an equity fund, it aims for the strongest long-term growth among the asset types, which makes it well suited to a long retirement horizon.
Who is this fund for?
This fund may suit you if you:
- Are saving for retirement through a PERA account with a long time horizon
- Want the higher growth potential of stocks for your retirement savings
- Are comfortable with the ups and downs of the stock market
- Won't need this money for many years
What's the risk level?
This is an aggressive-risk fund, the highest of the three risk bands. Stock prices can rise and fall sharply, so the value can swing significantly in the short term. Because PERA is built for the long term, that volatility has more time to smooth out. Returns are not guaranteed.
Is this a PERA or Regular fund?
This is a PERA fund, held inside a Personal Equity and Retirement Account. PERA comes with meaningful tax advantages: a 5% tax credit on your yearly contributions, tax-free growth on your earnings, and tax-free withdrawals once you reach age 55 and have contributed for at least five years. Because of these tax features, a PERA fund can potentially deliver higher net returns than the same type of fund held in a regular account. For an equity fund held over decades, that tax-free growth can make a meaningful difference.
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, within your PERA account. 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 from this fund in the app, but the money needs to stay in your PERA account. Keep in mind that PERA has its own withdrawal rules: withdrawing before age 55 or before completing five years of contributions may mean giving up some of the tax benefits. For how redemptions and PERA withdrawals work, see DragonFi's PERA articles.
How long does it take to receive the money after I sell?
It takes 2 to 3 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
- Stocks plus tax-free growth. Pairing an equity fund with PERA's tax advantages is a popular long-term retirement strategy.
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Built for the long haul. Short-term dips are normal; a long retirement horizon gives them time to recover.
Access the fund page here:
BPI PERA Equity 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.