Skiddoo Philippines Inc

Investing Through BPI’s RSP or Regular Subscription Plan

One of my blog followers sent me a message this morning telling me that she has been reading all my blog posts and that my article “A Janitor Invests in the Stock Market for P500″ caught her attention the most.

She was actually asking for an alternative to BDO’s EIP on UITFs (unit investment trust funds) since there is no BDO branch in her place. The only major bank that has a branch in their city is the Bank of the Philippine Islands (BPI).

Here’s her message:

“Hello Burn. I just spent my afternoon reading your articles and your post on a janitor who invested through BDO Equity Fund caught my attention (seriously).

I just wanna ask kung may ganon na sa BPI..wala kc BDO dito sa lugar namin (Malaybalay City). Natanggap ko na kase ang midyear bonus ko and gusto ko i-invest ito just like that of the janitor. Do u have any idea magkano starting for UITF equity sa BPI?”

My Answer: Similar to BDO’s EIP or Easy Investment Plan, BPI (Bank of the Philippine Islands) also launched a program called the Regular Subscription Plan or RSP. It allows a BPI client to contribute to his investment account regularly and automatically.

BPI’s RSP is an investment program that allows a client to purchase units for an investment fund account on a periodic basis, either monthly or quarterly.  I have always advocated regular and automatic way of investing in mutual funds or UITF’s for the busy individuals since they don’t need to time the market or even sneak some time during working hours to view their portfolios.

Here are some of the benefits of investing automatically through BPI’s Regular Subscription Plan:

a. Higher returns thru cost-averaging. By enrolling an investment fund into the RSP, a regular contribution amount is debited from a client’s BPI/BPI Family Savings settlement account on a periodic basis, for the purchase of units based on the prevailing price. This build up strategy allows one to average his/her acquisition cost. When prices are low, more units/shares are purchased, while when prices are high, fewer units/shares are bought.

b. No market-timing needed. Because additional investments are automatically programmed regardless of the movements in the market, there is no longer a need to analyze market information before deciding when to invest. Gathering the relevant information necessary to time the market is done by the fund manager for the investor. Studies have proven that while the age-old advice to buy low and sell high is simple and obvious, an investor’s unsystematic behavior leads many to do the opposite. It is advised that the best course of action is to invest regularly and to stay invested.

c. Convenience. One doesn’t have to leave the comfort of his/her home or the office to invest since contributions are programmed and electronically processed depending on the schedule that the investor have chosen.

d. Control. The investor retains control over his/her investments since he/she determines the dates and amount of the contribution. Moreover, anyone may stop and re-start the RSP anytime.

e. Affordability. With low minimum initial and additional contribution amounts, one can now slowly start building his/her investment portfolio.

What are the Investment Funds Available under the RSP?


To activate the RSP for both new and existing accounts you will be required to make an initial RSP contribution on the day of the enrollment. Without the minimum initial RSP amount subsequent subscriptions will not be triggered. As for the subsequent contribution, the investment amount should purchase at least one (1) unit of participation.

Here are the minimum initial RSP’s for the specific investment funds of BPI.

min rsp

How Do I Enroll For the RSP?

According to BPI, you can enroll your investment for RSP in two ways:

a. Via the internet through BPI Expressonline ( – RSP through this facility is available to all EOL users who have also enrolled their investment account in BPI Expressonline. Click here for instructions on how to enroll in RSP through BPI Expressonline.

b. Via the Branches – for the BPI Investment Funds, you may visit any BPI branch to request for the activation of the RSP. For the Mutual Funds, you may submit your RSP enrollment request to any BPI/BPI Family Savings Bank Branch or to your MF Sales Agent.

To know more about BPI’s RSP or Regular Subscription Plan, you may visit its FAQ section at the BPI Asset Management site.

As with any investing decision, it is very important to always determine first your financial obligations, goals for investing, and your risk perception and personality.

Make time to study your investing options and decide which financial instrument suits those three factors.

Continue receiving more information about affordable investment options by subscribing to BurnGutierrez.Com for FREE.



Rock your way to abundance!


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18 thoughts on “Investing Through BPI’s RSP or Regular Subscription Plan”

  1. Hello Sir. Ask ko lang po if you’re familiar po sa PERA – Personal Equity And Retirement Account? I’m trying to read the FAQs kaso di ko maintindihan masyado 😀 hope you can make an entry po about it. Thanks!

    1. Hi Suzy. Ang PERA is supposed to be a voluntary retirement option most especially for employed individuals in the Philippines and abroad.

      Parang SSS din yan, pero mas malaki ang magiging returns dahil iinvest ang pera mo sa mga financial instruments gaya ng stocks, mutual funds, UITF’s, bonds, etc.

      Pero mukhang walang development dyan dahil nagtatalo ang gobyerno at mga private institutions na involved sa PERA law. Huwag na natin asahan yan. Invest na lang tayo ng sarili natin for our retirement.

      1. Yeah, nothing happening with PERA right now; I’m waiting for it myself. But it looks like it might take a while more.

        The tax breaks are nice (or nasty if you don’t go long-term), but otherwise it’s the same as investing the money yourself. SO Burn is right, don’t wait for it before starting to invest.

  2. PSE Academy ( provides a comprehensive, interactive, and practical web-based investor education for market participants, would-be equity investors, and the public in general. 😀

  3. I am an OFW and interested in investing my money. I tried putting my money in saving account but it doesn’t work . I am really looking for a way where I can save and invest at the same time .One of my friend introduce me to this site so I can learn more and invest my money wisely. Now I am interested in this BPI RSP..I am trying to use the online site to start but unfortunately i cannot access..If you can kindly help me in sorting it out where to start. I am now out of the country and working as a nurse. I want to save for my kids in an intelligent way and secure way.

    1. Hello Edna. You can only enroll online with BPI RSP if you already have a savings account with them and already using their online banking facility. The best thing to do for now is to call BPI Express Phone’s 24/7 hotline to assist you in case you already have an account with them.

      You can also ask your family members back home to open an account with BPI and enroll immediately to RSP.

  4. Helo Mr. Burn G., I have 5,000Php savings and I want to grow it up. Saan po maganda I-invest ang aking savings? Thank you in advance.

    1. Hi Lundy, I suggest kung wala ka pang insurance, get a term life insurance. Lalo na kung breadwinner pa. Importante din na magtabi ka ng emergency cash na worth at least ng 6 times ng monthly expenses mo. Kapag meron ka na nito, I suggest na maginvest ka sa mutual fund or UITF for your specific financial goals (retirement, child’s college education, new house, etc.)

  5. Hi Lundy. It’s important to know first kung para saan mo gagamitin ang P5,000 na gusto mo iinvest? At kailan mo balak gamitin ang pera?

    May emergency fund ka na ba? Kung wala pa, mas mainam siguro na hayaan mo muna yang P5,000 mo sa savings account mo. Pwede rin naman na iinvest mo sa bond fund/fixed income fund via mutual funds or UITF na pwedeng ma-redeem anytime. Mas malaki ng konti ang returns dito kumpara sa savings accounts.

    Makakapili ka sa mga mutual funds dito ->
    Or sa mga major banks naman kung UITFs.

    Pwede rin naman sa mga short-term na high-yielding time deposits.

  6. Sir I saw the link you posted. Balak ko din mag invest sa mga katulad nito. Currently I am into stock market (COL as broker) pwede nyo po ba kami bigyan ng brief explanation ano ang differences between stock funds, balanced funds, bond funds and money market funds. Maraming salamat sir and more power sa inyo at sa OFW usapang piso.

  7. Hello po
    Ofw po ako gusto ko sana mag invest sa stock or bdo /bpi.ang problema po hindi ko masyado maintindihan. Pls paki enlighthen naman po.

  8. Good day! ask ko lang po san mas maganda (convenient and affordable) mag invest ng equity, through BPI’s RSP po ba o BDO’s EIP? i am super new to this and mejo not clear pa sakin. and also anghirap ma access ng BPI site. anyway, I came across your blog just today and madami na ako natutunan. thank you!

    1. Hi Ryan, saan ka ba meron bank account dyan sa dalawang banks na yan? Kung san ka may savings account, dun ka na rin kumuha. Pareho naman automatic debit yang facilities ng BPI at BDO sa UITF/mutual funds nila. Search mo lang sa site na ito ang tungkol sa mutual funds at UITFs para mas maintindihan mo.

  9. Hi Sir. Tanong ko lang may investment na kc ako na 10K sa equity ni BPI. Tas may mabasa ako regarding sa RSP and I’m interested to subscribe. May question is kailangan ko ba ulit mag deposit ng 10K para maka subscribe ako sa RSP or pede na if how much na lng kung magkano gusto ko idagdag (ex. 1K monthly).


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