Its been 10 years since i started opening an account in BPI. The first ever account i had is a savings account. That was in college (PUP Sta. Mesa in dome area) then when BPI agent went their to find applicants. We had a class that afternoon when they approach us with my college friends. I remembered we are small group composed of me and 2 new friends. Because i had a semester stipend i got in my a scholarship organization so i was thinking it is better way to start to save in my little money (actually wala talga akong extrang money para i-save nun. almost sapat lang palagi yung baon ko and then the stipend was i think small for 6 months of semester diba hahahaha). I complete the registration and we have to wait a while for our card with our name emboss to it. I was happy, i could start saving and i was really fascinated because i thought then na if you had a bank card like you feel you are rich.
Time goes by and the thoughts of having an account is also a responsibility. In the sense, i had to put money in the account or else it will be closed. If have money, i deposit it in a atm machine using their envelope system before. but every now and then, nawiwithdraw ko pa rin kasi kailangan ko ng gastusin sa fare for my rides and books for i am a student who needs it. Hindi ko na masyadong nalalagyan ng laman but the agent assures as even small amount is ok parin basta wag lang walang laman kahit 1oooPHp lang daw. I was happy to know that kasi maliit lang talga nalalagay ko sa account at madalas eh kinukuha ko din.
BPI is good to that kind of strategy i guess because it will retain the account holder since student pa nga ako nun and you can deposit in anywhere branch in your place without a charge. That's why i trust the company itself. as you read about BPI it is the longest bank still running for over 100 years you can just imagine that long is a century old. so pagdating sa staying power sa business eh wala akong masabi.
Until now the account that i opened ten years ago is still ok. Paminsan minsa nalalagyan na ng malalaking pera (working na eh hehehehe) and even nababawasan sa mga unexpected expenses. Now that i have money to save now more eh i am thinking na magtry magInvest naman while saving pa rin nmn. I visited the BPI website and notice a lot of investment option to choose from their different investment arm.
The first one i opened is my BPI UITF account which get money to my saving account. I am already two years na and I am good to that. The bank said that my invesment portfolio falls to be conservative so they recommended a BPI Premium Bonds. I said its ok with me. Every now and then i make sure that i put some amount to it for i know it will grow at a certain time.
After two years with BPI in investment, I want another different from trust fund which related in Mutual funds. Now i want to try stock market in their BPITrade. I dont have any idea about how it works or what company is the best for short-term investment (yung kasi gusto ko short term lng para magkapera agad ng malaki hehehehe mahirap din pala). Then that started my investment journey.
I try also to open in FirstMetroSec of metrobank because our company payroll account is in metrobank. it was easy to transfer money and to trade the stock market even in office.
So here to update you guys, (JULY 2016)
-- my saving is not quite good today because i have a lot of liabilities to pay pero may laman parin nmn yun BPI account ko
-- my BPItrade is in a not good -6% pero ok lang because i think the new administration will do something to the current economy more trust investing. same as my FirstMetroSec is also in -8%.
I promised to keep posted anything about my stock market journey. actually sobrang newbie pa rin ako pagdating sa terms in trading pero kakayanin natin. i started stock market last September 2015 and so far ok nmn even negative sya at start. Sabi nga mas maganda na simulan ng maaga kung long term namn ang goals mo.
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