📲 Step-by-Step Guide: How to Invest in BPI Mutual Funds Online

Investing in BPI mutual funds (under the ALFM family) is easier than ever through BPI Online Banking. Here’s how you can start:

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✅ Requirements Before You Start

1. BPI Deposit Account

2. BPI Online Banking account
   (If you don’t have one yet, visit: https://online.bpi.com.ph)

3. Valid ID (for verification if prompted)

4. At least ₱1,000 (initial investment amount)

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🛠️ Step 1: Log in to BPI Online

• Go to https://online.bpi.com.ph

• Enter your username and password

💡 You can also use the BPI Mobile App (available on Android & iOS).

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🧾 Step 2: Enroll in BPI Investments

If it's your first time investing, follow these steps:

1. Click “Investments” on the menu.

2. Select “Open an Investment Account.”

3. Read and accept the Terms and Conditions.

4. Complete the Client Suitability Assessment (CSA) — this will determine which types of funds fit your risk appetite.

5. Choose your investment type (Mutual Fund) and link your deposit account.

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📊 Step 3: Choose Your Mutual Fund

You’ll now be able to choose from various ALFM mutual funds, such as:

• ALFM Money Market Fund – low risk, short-term

• ALFM Balanced Fund – moderate risk, mixed stocks and bonds

• ALFM Growth Fund – high risk, long-term

• ALFM Bond Fund – low to moderate risk

• ALFM Global Multi-Asset Fund – global exposure

Select the fund that matches your risk profile and investment goal.

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💸 Step 4: Make Your Initial Investment

1. Input your investment amount (minimum: ₱1,000).

2. Choose the fund source account (your linked BPI deposit account).

3. Review your investment details.

4. Confirm the transaction.

📌 BPI processes mutual fund transactions at end-of-day NAVPS (Net Asset Value per Share), so your investment will be priced based on that day’s market close.

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🔁 Step 5: Monitor and Top-Up Your Investments

To view your investments:

• Go to “Investments” > “My Portfolio” in the app or browser

• See your current value, earnings, and fund performance

To top up:

• Select the fund you want to add to

• Enter the additional amount (minimum ₱1,000)

• Confirm the transaction

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🔓 Step 6: Redeem (Withdraw) Your Funds

When you’re ready to withdraw:

1. Go to “My Portfolio”

2. Select the fund and click “Redeem”

3. Input the amount or number of shares to redeem

4. The money will be credited to your BPI account within a few banking days (depends on fund type)

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🧠 Tips for First-Time Investors

• Start with a Money Market or Balanced Fund if you’re unsure

• Set a monthly auto-invest schedule to grow consistently

• Reassess your portfolio every 6-12 months

• Use BPI’s investment tools and calculators to plan ahead

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📝 Summary

Step	What to Do
1️⃣	Log in to BPI Online
2️⃣	Enroll in BPI Investments
3️⃣	Take the Suitability Assessment
4️⃣	Choose your ALFM mutual fund
5️⃣	Invest minimum ₱1,000
6️⃣	Monitor and redeem through BPI Online or App

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🌱 “The best time to invest was yesterday. The second best time is today.”

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