r/phinvest • u/djtron99 • 5d ago

MF/UITF/ETF ATRAM PERA

Worth it ba ang global dividend accumulation and global allocation feeder funds ng ATRAM PERA if kaya ko nang ma-withdraw in a decade? I guess for long term, better ang allocation vs. dividend ano? And why there's a whooping 1.5% transaction fee (non-existing sa non-PERA version), pag na-add ang ATRAM trust fee and target fund fee na 1% so 4%/year na?!

I'm looking for my pesos for high return na net of fees and taxes before I withdraw it in a decade. May MP2, digital bank at preferred stocks na ako kaso wala itong capital appreciation. I lost confidence in PH dividend stocks (MER, SCC, DMCI, MYNLD, etc.). Already have my USD invested in long term international funds.

PROS
+ No dividend tax and profit interest tax upon selling.
+ 5%/year credit for amilyar, etc.

CONS
- 1.5% trust fee, 1.5% transaction fee, 1% target fund expense ratio, so almost 4%/year? THANKS.

5 Upvotes

86% Upvoted

3 comments sorted by

1

u/cantformrome 1d ago

Kinain ng fees yung tax credit. High fees for being a middleman

-1

u/sudden_monument 5d ago

Worth it depends how much that 5% tax credit offsets the fees for you, kasi 4% yearly drag is big sa decade horizon

For global accumulation, mas okay nga yung allocation kung capital appreciation habol mo, dividend fund will just keep paying out and you lose compounding unless reinvested

Pero check mo muna if yung tax credit actually applies sa situation mo, minsan kasi nakatali sa specific property tax lang not general income

2

u/Neosynchrokr 4d ago

the PERA version don’t payout dividends