Trust

Just starting to invest? Let Bank of Commerce share with you the power of retail investments and guide you in your journey in the exciting world of UITFs!

For as low as PhP 10,000 or USD 1,000, you may choose from a conservative, moderate, or aggressive type of UITF, depending on your objective and risk appetite. Just have yourself assessed to see which UITF suits you; and more importantly, be educated on the pertinent risks.

With UITFs, your money is invested in open-ended pooled funds managed by professional investments team in the most prudent manner possible. Other benefits are as follows:

• Savings build-up
• Affordability
• Diversification
• Liquidity
• Better earnings potential

Get into the habit of investing with our pooled investment schemes:

Perhaps you already have accumulated so much funds and are looking for higher yields. Whether it be to maximize your short-term or long-term funds, let Bank of Commerce source suitable investments and set up an Investment Management Account (IMA) for you!

From short-term commercial papers to government and corporate bonds, and to preferred and common shares, we can create a portfolio tailored to your investment goals and target returns. We will provide updates on what is available and upcoming from the primary and secondary markets.

Let us be your trusted adviser on how to keep up with or beat inflation, to take advantage of earning from the debt and equity markets, and to plan your financial obligations with future financial comfort. Let your money work for you.

Benefits of an IMA:

• Direct selection of an investment outlet
• Continuity of fund management
• Access to a wide array of high-yielding investments
• Customized portfolio
• Administrative ease

Do you want to reward your employees for their loyalty and productivity? Corporations can set up a retirement fund in accordance with laws regarding retirement benefits with the option of rewarding more than what the law requires.

Bank of Commerce can help give your employees a sense of security throughout their tenure via a retirement fund. More importantly, we will help you comply with the regulatory requirement of providing retirement benefits to eligible retirees. From setting up, implementing, and managing the Fund, we shall assist you on how to make the process as convenient as possible. 

Our scope of services:

• Implementation of your fund’s plan rules and regulation;
• Assistance on the procurement of a tax-exemption certificate on your fund from the Bureau of Internal Revenue (BIR);
• Coordination with your Human Resource Team on the administration aspects of a Retirement Fund, to further improve your retirement benefits;
• Professional management of your Fund’s assets with the objective of maximizing returns while minimizing risks; and
• Periodic financial statements detailing all your investments.

Do you need an independent and objective third party to help you with the monitoring of terms in a contract involving the exchange of money, securities, documents or properties? Through an Escrow, Bank of Commerce can ensure faithful compliance with the terms of the contract, and protect the respective interests of all parties involved.

How can we help you?

We take care of your future plans for your family. We can help you provide a sense of security for you and your children, from education, to lifestyle sustenance, to estate planning and to other qualified purposes for your intended beneficiaries

Did you know that?

Your assets can become frozen upon demise and get divided to your immediate family members or beneficiaries based on what the Law prescribes. The length of obtaining the Grant of Probate can take from 1 year up to 10 years. All the monies distributed to your young children will be handled by their guardian.

But isn’t it best to distribute wealth based on your preferences? Eliminate the long wait and the expenses to get Probate? What if your appointed guardian mishandles what is earmarked for your children?

We can help you plan to secure your beneficiaries’ future.

A Personal Management Trust Account gives you the power to manage and distribute your wealth to your family based on your wishes and even beyond your lifetime. It efficiently transfers your assets placed under the trust, especially with the help of a trusted entity who will objectively administer your assets based on your guidelines.

Interested in tapping the investing public for the needed capital for your business expansion and other long-term expenditures? Do you need an objective party for your credit facilities? Bank of Commerce shares with you the technical expertise to come up with the best arrangements and execute them.

How can we help you?

• Diversity Money Market Fund
• Diversity Peso Bond Fund
• Diversity Dollar Bond Fund
• Diversity Dividend Focused Fund