Banking has never been this rewarding!
Offering financial savvy and
BDO Rewards
Only BDO rewards you with free SM shopping
points, exclusive perks and one-of-a-kind
privileges!
With an availed BDO Auto or Home Loan plus a
Savings or Current Account, you automatically qualify
for the BDO Rewards Program.
Earning Points
It’s easy to earn points. Once qualified, each month,
you can earn:
- up to 5 points for every Php 100,000 auto loan balance
- up to 5 points for every Php 200,000 home loan
balance.
You can also earn points from other qualified BDO
products and services such as: deposit accounts,
investments, debit card payment transactions,
remittances and paying bills via ATM, phone, mobile or
Internet. Present your Rewards card to the cashier at
SM, SM retail establishments and other BDO Rewards
Partners and earn points from your purchases!
Using Points For Free Shopping
Use your BDO Rewards points to shop at SM Depart-
ment Store, SM Supermarket, SM Hypermart, and for
purchases at SM Cinema and other SM retail establish-
ments. You can start shopping with as low as 50 points
or Php 50.00. Simply present your Rewards card to the
cashier.
BDO Investments
The best way
to achieve.
For more information on your
savings options, visit
www.bdo.com.ph
BDO Customer Contact Center:
(632) 631-8000
Domestic Toll Free-Numbers:
1-800-10-631-8000 ( PLDT )
1-800-3-631-8000 ( Digitel )
1-800-8-631-8000 ( Globe )
1-800-5-631-8000 ( Bayantel )
flexibility for your every investment.
Whether you’re a newbie or a savvy investor,
BDO has the expertise to make your investments
work for you.
It begins with knowing your investment profile
and laying down your objectives. Depending on
your needs, we design a customized investment
package that can help make your money grow to
give you the results you desire.
We partner with you in securing and managing
your finances for as long as you require –
whether your goals evolve from investment to
inheritance, success to succession.
If you’re considering investing, consider BDO
and together, we can raise your investments to
the next level.
What are time deposits?
If you’ve only just begun to consider investing,
time deposits are a good place to start. A time
deposit or term deposit is a facility wherein you
can put in your investable funds for a specified
amount of time. During that time, your investment
cannot be withdrawn but it will earn a specific
interest rate higher than regular deposit
accounts. BDO has a range of time deposit
products for you to consider.
What are Unit Investment Trust Funds?
Unit Investment Trust Funds (UITFs) are ready-
made investment portfolios that allow the pooling
of funds from different clients with similar
investment objectives for the purpose of
collective placements in various securities. If you
are ready to go beyond traditional bank deposit
products and wish to gain access to financial
markets usually just available to bigger investors,
then UITFs may be an ideal choice for you. With
BDO UITFs, common investment concerns such
as affordability, returns, liquidity and investment
expertise are addressed. Our wide selection of
UITFs allows you to choose a fund or a combina-
tion of funds that suit your needs, financial
requirements and life goals.
GOVERNMENT SECURITIES OTHER TRUST PRODUCTS Competitive Rates. Expert Advise. Sound Investments.
Two kinds of government securities are available Easy Investment Plan
Minimum Proof of Interest
from the Philippine Government through the Bureau Time Deposit Description Terms
of Treasury. Treasury Bills and Treasury Bonds are
The BDO Easy Investment Plan (EIP) is a wealth Placement Ownership Rate
build-up scheme that enables you to attain your
made available to you through reliable licensed
financial goals and financial wellness through the twin Earns higher than a regular Peso
dealers such as BDO. You enjoy these investment
habits of regularly saving and investing. It incorpo- savings account and allows you
facilities at virtually no risk since these are direct Peso Term Account to schedule the release of your P1,000
rates what investment experts consider as the
and unconditional obligations by the Philippine funds at the terms you want.
best, tried and tested principles that make a
government.
successful saving and investment plan and Enjoy higher earnings for your
Treasury Bills provides a solution to counter the major obstacles dollars and schedule the
to saving and investing. Dollar Time Deposit release of your funds on the $1,000
Treasury Bills are a solid choice if you want a
low-risk investment that earns returns within a date you specify. Quoted Daily Certificate of Quoted Daily
by Treasury Time Deposit by Treasury
shorter term. For a minimum Php 100,000, enjoy the
Overseas Filipino Workers
gains as your investment yields higher interest in Kabayan Peso (OFWs) and their beneficiaries
tenors of less than a year. get more for their money in P1,000
Time Deposit
Treasury Bonds Customized Investment Portfolios this secure facility.

For long term, low-risk investments, Treasury Bonds If you wish to have a customized investment Overseas Filipino Workers
are ideal. These mature at tenors ranging from 2 portfolio, open a Trust or Investment Management Kabayan (OFWs) and their beneficiaries
Account with BDO Trust and let its expertise work Dollar Account can keep hard-earned dollars $1,000
years to 25 years, depending on their availability.
for you. BDO Trust will manage your funds, aiming and enjoy tailor-fit benefits.
For a minimum of Php 100,000.00, you see the fruits
of your investment through regular coupon interest to make the most of your money while taking into
payments, plus the effective yield of the entire account your investment objectives, preferred type BDO Unit Investment Minimum
investment can also be increased when these of securities and strategies and set guidelines.
Trust Fund (UITF)
Description Investments Best suited for
interest payments are reinvested in other interest -
earning instruments. What’s more, your investment MONEY MARKET FUND TYPE Moderate Investor with
in Treasury Bonds can be used as collateral for Aims for capital preservation and income PMMF - P 100,000 an investment time
BDO Peso Money Market Fund (PMMF) generation from low risk investments
loans with BDO. DMMF - $ 2,000 horizon of at least six
BDO Dollar Money Market Fund (DMMF) months to a year

BOND FUND TYPE

BDO Peso Bond Fund (PBF)
BDO GS Fund (GSF) Aims for capital preservation and higher PBF, GSF - P100,000 Moderate Investor
BDO Peso Fixed Income Fund (PFIF) yields by investing in short to long term PFIF* - P 10,000 with an investment
BDO Dollar Bond Fund (DBF) fixed income securities. DBF, MTDBF - $2,000 time horizon of at
BDO Medium Term Dollar Bond Fund least three years
(MTDBF)

Strives to achieve capital appreciation Balanced Investor

BALANCED FUND TYPE over medium to long-term through a with an investment
PBAL* - P10,000 time horizon of more
BDO Peso Balanced Fund (PBAL) combination of fixed income
investments and stocks than three years

Balanced Investor
EQUITY FUND TYPE Maximizes returns for wealth with an investment
accumulation by investing mainly PBAL* - P10,000 time horizon of more
BDO Equity Fund (Equity) in equities. than three years

*Also available via the BDO Easy Investment Plan

Disclosure: BDO Unit Investment Trust Funds (UITFs) are not deposits but trust agreements. They are not obligations of, nor guaranteed, by
BDO and are not insured by the PDIC. UITFs do not carry any guaranteed rates of return. Any income or loss arising from market fluctuations and
price volatility of the securities held by the UITFs, including government securities, is for the account of the investor. The units of participation
in the funds, when redeemed, may be worth more or worth less than the initial investment of the investor. Historical performance, when
presented, is purely for reference purposes and not a guarantee of similar future results. BDO, as trustee, is not liable for losses unless there is
fraud, willful default, bad faith or gross negligence on its part.