Investment Management in RCBC Online

An Investment Management Account (IMA) is a flexible fund management arrangement that allows clients to invest their funds in a wide range of financial instruments representing different asset types. Several investment assets can be held under one umbrella IMA.

IMAs are offered and managed by RCBC Trust Corporation (RCBC Trust), an affiliate of RCBC. Once an IMA is opened, its management is assigned to a relationship or portfolio manager who shall oversee the investment activities of the account. RCBC and RCBC Trust Corporation are regulated by the Bangko Sentral ng Pilipinas (BSP)

There are two (2) main types of IMAs: Discretionary and Non-Discretionary. (1)In a DISCRETIONARY IMA, RCBC Trust shall have discretion to select specific investment instruments subject to a pre-agreed Investment Policy Statement which is established upon account opening. (2) In a NON-DISCRETIONARY IMA, RCBC Trust will have NO DISCRETION in the selection of the investment assets that the account will invest in. All investment dispositions are done upon SPECIFIC AUTHORIZATION of the client. The client will give instructions for each investment transaction and will receive a confirmation from RCBC Trust after the same has been executed. * Only NON-DISCRETIONARY IMAs can be opened online via the RCBC Digital website.

You may invest in Philippine Peso Denominated (1) Corporate Bonds and (2) Government Bonds (3) Time Deposits, subject to availability.

An IMA opened online has a minimum investment amount of PhP100,000.00. You may also open an IMA via any of our RCBC Branches for a minimum investment amount of P1,000,000.00

Once you have an RCBC Digital Account you may already apply for a new IMA. Just click the Investment Management Account module in RCBC Digital website for online application process.

(Step 1) Log-in to your RCBC account via rcbconlinebanking.com; (Step 2) Click the Investment Management Account Icon; (Step 3) Select “I want to apply for a new IMA via RCBC Digital”; (Step 4) Select a settlement account for your IMA transactions; (Step 5) Accomplish the Customer Suitability Assessment; (Step 6) Read and Agree to the Risk Disclosure Statement; (Step 7) Read and click agree to the terms and conditions governing IMA; (Step 8) Enter the OTP sent to your registered mobile number. No RCBC Digital Account yet? Create an RCBC account by following this link: https://www.rcbc.com/open-account-online

Yes. Just select “I want to link my existing IMA to RCBC Digital” during the enrollment process. Enter your unique IMA number and follow the rest of the steps. After successfully completing all the required steps, you should be able to access your existing IMA online.

As of now only 3 securities can be ordered via IMA Online (1) Primary Philippine Denominated Corporate Bonds (2) Government Bonds (3) Time Deposits. You may coordinate with RCBC Trust via imaonline@rcbc.com for other investment outlets.

Yes. At the moment, a sell instruction from your registered email address is required for us to process the sale of an IMA online investment. Depending on the investment, it might take 3 to 5 working days for us to process the sale and credit the proceeds to your settlement account.

To change the settlement account of your IMA, you may schedule a call with RCBC Trust or send us an email at imaonline@rcbc.com.

You may get in touch with RCBC Trust for the termination process of your account. An RCBC Trust officer will explain the process and requirements for account closure

A client who wants to invest in asset types that carry higher risks will be given the option to waive the results of the Customer Suitability Assessment process. This process waives some of the protection that is afforded to investors and client will need to sign a waiver for this purpose.

ONE TIME ON-BOARDING. Once an account is opened, clients may invest in different financial assets by simply giving their instructions to RCBC Trust who shall execute all investments on their behalf. SINGLE CONTACT POINT. Investment in different types of securities or asset classes, including secondary market transactions and primary issuances can be done through a single contact point. ONE STATEMENT FOR ALL INVESTMENTS. All investments are consolidated in one account with quarterly statements. Each investment will have a Confirmation Advise and Cashflow detailing when client will receive payments.

A standard Trust Fee (based on principal amount) of 0.25% per annum applies for IMA transactions.

For questions, inquiries and/or clarifications relating to IMA, you may email at imaonline@rcbc.com