index fund philippines 2019

Thank you and I hope to hear from you soon. Being a Filipino though, I’ve always wanted to give/invest back to our country. Conduct due diligence before making the decision to invest. This is the cost of running the fund. Here are the overall 10 highest yielding UITF in the Philippines from January to April 2019. The Fund aims to achieve returns that track the performance of the Philippine Stock Exchange Index (PSEi) by investing in a diversified portfolio of stocks comprising the PSEi in the same weights as the index. I use AB Cap Sec because transferring funds is very convenient and they allow me to transfer funds from my USD account directly to my trading account, which trades in pesos. What are the different types of BDO UITF and how much is the minimum amount needed to open an account? tandaan, mas mayaman sila sayo. You may think that’s impossible because you have lives. Dapat may maayos kang plano at hindi bara-bara lang. 6 – Re-classified into a Bond Fund starting Feb. 21, 2020 (Formerly a Money Market Fund) + fund expenses payable to third parties, i.e., custodian, external auditor fees, etc. I use affiliate links to maintain this site. First Metro Philippine Equity Index Fund is projected to give the most yield among similar equity index funds. (I’m trying to follow the recommendations of Mr Money Mustache http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/). The Fund aims to provide excess return over the composite benchmark, 50% Philippine Stock Exchange index (PSEi) and 50% return of the 91-day Treasury Bill, net of tax. . First Metro Save and Learn Philippine Index Fund, Inc. (a,4) ... 2019. Thank you for putting this up here. I know that for BPI Philippine Equity Index Fund UITF and COL, what they do is re-invest the dividends into the mutual fund; individuals don’t get dividends… I’m just wondering if there’s a place where we could get monthly dividends. FMETF is an entity (a company) that mirrors the PSEi. Hi Chickee. Is FMETF like buying and selling stocks? Fund Description: BDO’s Sustainable Dividend Fund aims to achieve long-term capital appreciation by investing in a diversified portfolio of attractively priced exchange-listed (PSE) stocks with sustainable dividend yields. I’d pick neither since I don’t have the time and don’t want to experience constant anxiety over the rapid changes in individual stocks. You can’t directly invest in the PSEi because it is an index and not an investment instrument. Is my understanding correct? Very similar to dollar-cost averaging where you invest a fixed sum regularly into the same choice of investment over a period. Unless you have a way to buy these three funds without sales load (maybe through COL financial, etc. Thank you very much. Equity Funds . . There are no right or wrong answers, so answer honestly and objectively! Thank you for a detailed article on ETFs in the Philippines. Congratulations on taking the first steps to carefully managing your finances. Design by Elementor, Savings Tips That Will Change Your Life Part 1, How to Choose the Best Travel Insurance for Filipinos, How to Open a TD Ameritrade Account Outside of the US as a Non Resident Alien, 3 Pag-IBIG MP2 Hacks For Advanced Investors, The Ultimate Guide to Philippine Index Funds, What is PERA and why you need one right now, Corporate Scholarships for College Students in the Philippines, https://fundselectorasia.com/vanguard-products-launch-in-the-philippines/, http://www.mrmoneymustache.com/2012/05/29/how-much-do-i-need-for-retirement/, https://katiescarlettneedsmoney.com/what-is-pera-and-why-you-need-one-right-now/, 0.50% of the original participation amount (early redemption; 30 calendar days min holding period), 0.60% since inception (KIIDS 29 June 2018), 1% of original participation fee (early redemption; 30 calendar days min holding period), 1.43% since inception (KIIDS 29 June 2018), 0.16% since inception (KIIDS 29 June 2018), 0.25% of the amount withdrawn or Php 500, whichever is higher (early redemption, 30 calendar days withholding), 1% of amount redeemed (6 months min holding period), 1% (early redemption; 90 days min holding period), 50% of gains (early redemption; 30 calendar days min holding period), .24% 1 year return (based on graph in the, 5% of the amount redeemed (early redemption; 30 days min holding period), 0.25% or PhP 500 whichever is higher (early redemption), Its tracking error (of the Philippine Stock Exchange index) must be relatively small, Transparency in reporting, with information accessible by investors and non-investors alike, Must track the Philippine Stock Exchange index (PSEi). There are times when index funds may outperform the benchmark. These are not stated outright in their shiny brochures. Good luck and congratulations on taking action! Expenses: 0.07%, or $7 annually for every … Or I could hold onto it for a period of say 5 years and do a peso cost averaging. I know that some brokerages accept USD and then will convert your money to pesos so you can trade in pesos. The Fund aims to achieve returns that track the performance of the BPI Philippine Infrastructure Equity Index by investing in a diversified portfolio of stocks in the same weights as the index. The best mutual funds in the Philippines are categorized into four types: 1. 2 - Launch date is November 15, 2019. This list combines both domestic and foreign indexes. Your data in the table helps me a lot. Interesting times. Do you know where I can invest in PH index funds + get monthly dividends? These are the annual fees usually published by fund companies when they’re trying to convince people to invest with them. Currently looking at buying FMETF shares, too. The Fund aims to achieve total return through a combination of current income and long-term capital appreciation by investing in PSE-listed companies that have high dividend yields or have established a history of dividend payouts. What I hated about mutual funds was the lack of transparency as to which particular companies the fund was buying shares of. Data is updated as of December 29, 2020. My family is based in the Philippines and so far I’m planning on settling there for retirement. They’re probably thinking that prospective customers will call or visit their office to ask for the needed information. There are banks that can link that for you, like for example BPI and BDO, but I personally haven’t done myself. Hi, Katie. Thank you very much for your inputs and information about index fund. You can invest on the PSEi through ETF (FMETF) or through mutual funds or UITFs. Im aware that it has a high fee but the tax free and tax credit advantage enticed me. I am seeking advice on which you personally think suits me best as an expat like you. I also have a BPI trade account and im using it to buy stocks, but just a few because i just have a small income for now. Which funds deserve our investment? Lalo na kung ang kukunin mong UITF ay index of equity fund din naman? RSP or Regular Savings Plan that lets you invest a fixed sum on a repeat mode. 1. Maybe you can write about this too? this is why I feel better holding individual stocks. ETF and index funds are different. 2. I’m glad to be of help. But if you’re just deciding whether to start investing in UITF and are wondering which type is the appropriate investment for you, why not take this free “Investor Profile Assessment” to help you understand your investment personality? Ang FMETF ay isang ETF, ibig sabihin, kumikilos ito na parang isang equity stock. There’s no premium in conducting complex analysis and research since they only have to track the benchmark. Early Redemption Fee: 0.50% of original participation amount. The PSEi is made up of stocks of 30 companies. The Fund uses the MSCI All Country World Index (PhP) as its benchmark. For further inquiries about the index, please contact BPI Investment Management Inc. (Index Calculation Agent) at 580-3578 or by sending an e-mail to bpi_investment@bpi.com.ph The “BPI Philippine Government Bond Index”, “BPI Philippine Government Bond 1-3 Year Index”, “BPI Philippine … The Fund aims to achieve returns that track the performance of the BPI Philippine Consumer Equity Index by investing in a diversified portfolio of stocks in the same weights as the index. In the Philippines, that’s the PSEi. do i need to buy when it is on support or i can do peso cost averaging? Hello there. Any broker that can use to Invest in Index fund through RSP? so i need to learn everything about stocks po. May I know why you opt for BPI Trade and not COL Financial? *PinoyMoneyTalk’s Guide on How to Invest in Franchises, UITF, Mutual Funds, and ETF: Disappointed that you cannot find your UITF investment in the Top 3 list above? FMETF mirrors the composition of PSEi and FMETF should execute the trades. However, with the entry of several UITFs and and an ETF in the market, there are now index funds charging management fees as low as 0.50%. Fund Description: BDO’s GS Fund aims for capital preservation and income generation from investments in a diversified portfolio consisting of selected government securities that can provide higher yields. Thank you for bringing this to my attention though. But I don’t. That’s the reason why we also show below the Top 3 rankings, where we ranked the 3 best UITF in each investment class to limit comparison to their category peers. Large growth index funds usually track the Russell 1000 Growth index, the Nasdaq Composite or the Nasdaq-100.These are investing in the largest U.S. company growth stocks by market capitalization. As for the SB Global Equity Feeder Fund, it’s a great idea BUT, if you can directly invest in target fund just cut the middle man. I am generally wary of secretive firms . On that note, this passively managed S&P 500 index fund from renowned low-fee firm Vanguard provides exposure to the 500 most important companies in the U.S. Your email address will not be published. If you’re a first-time UITF investor, you will receive a call from a BDO Trust and Investments Group (TIG) representative within two (2) banking days to evaluate your risk profile and to explain to you the risks involved in UITF investing. As far as I know, only First Metro ETF issues dividends annually instead of monthly. What happens when you plan to retire? Customer support is excellent and I can transfer my US dollar to AB Capital’s account through wire transfer. From 1511 points in January 2004, the PSEi’s value increased to 8741.30 in January 2018. 3 - Adjusted due to stock dividend issuance last October 9, 2019. The Fund aims to achieve liquidity and stable income derived from a diversified portfolio of primarily short-term fixed income instruments. Hi Katie. The Fund aims to provide excess return over the BPI Philippine Government Bond Index. . I wish I discovered it earlier. Technicals Talk: DITO (3 Feb 2021) by Regina Capital Development Corp. Technicals Talk: APL (3 Feb 2021) by Regina Capital Development Corp. Special Report: What’s a Good Price to Buy Double Dragon (DDMP) REIT? I’ve been interested with opening an account with COL for years now, but I just wanna wait (they said this June) until all transactions are accepted online since I don’t wanna go through the hassle of sending docs through post. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. Waived (Trust fees are collected at the target fund level). What’s usually not made clear is that there are still other expenses payable to third parties such as custodians and external auditors. *PinoyMoneyTalk’s Guide on How to Invest in Franchises, UITF, Mutual Funds, and ETF: February 02, 2021 Composite Index: 6867.88: Composite Index Points Movement: 53.12: Composite Index Percentage Movement: 0.78% Tandaan na may ibang pa klase ng index fund bukod sa ETF – mutual fund, na mabibili sa mga investment companies (PRU, Sun Life, COL inancial) at UITF, na mabibili sa mga bangko (BDO, BPI, etc). I also like reading MMM and other FIRE bloggers and think how I can replicate them in the Philippines. Do they pencil that in annually and deduct it from the fund itself, or do I need to leave some cash in my trading account? There’s no special step I have to do in order to start investing in First Metro’s ETFs. FMETF was also my option and you made really good points. You can earn by 1. dividend distribution (and they send you the dividend cheque instead of reinvesting in the fund) and 2. when you sell your shares. The allocation for equity securities shall be between 40% to 60% of the portfolio or any other allocation range that may be prescribed by the Trust Officers Association of the Philippines (TOAP) in consultation with regulatory authorities. I personally have accounts with AB Capital Securities and BPI Trade. Yes it is like buying and selling stocks. If you have a trading account with COL Financial, you can buy PhilEquity shares without being charge the sales load. Sana talaga maibaba ang management fees para more money sa bulsa ng investors lalo na kapag mas matagal ang investment horizon 20-30 years ang laking bagay ng kahit 0.5% additional return pa. Pangarap ko in the future dumami na ang mga Pinoy na gustong mag-invest sa stock market at mas madaming banks at financial institutions na mag-offer ng funds para may incentive sila na magbaba ng management fees. First-time investors will be required to fill out the online “Client Suitability Assessment” before you will be allowed to make an investment. ... Top performing index funds in the Philippines in 2020. . i discovered this via reddit’s phinvest. Thanks for creating this blog and writing about investing. I have a question please. Hello! I am considering following the bread crumbs until the end of the trail. *based on monthly KIIDS published in UnionBank website, the annual total of fund fees is around 5 basis points or .005%. Based on the result of your Investor Profile Assessment, what type of investor are you? Philippine Stock Index Fund (The Fund is incorporated under the laws of the Republic of the Philippines) _____ The following summary about the Fund and the Offer is qualified by detailed information appearing elsewhere in this Prospectus. So I decided to conduct my own extensive and thorough research (I hope) and create the ultimate guide to Philippine index funds that is easily accessible and easy to understand. The commission shall not exceed 2% of the investor’s total purchase cost (2.04% of the net invested amount). 1 NAVPS: Net Asset Value Per Share 2 NAVPU: Net Asset Value Per Unit 3 Formerly, Sun Life Prosperity Money Market Fund * YTD - Year-To-Date yield (yield from start of year) ** YOY - Year-On-Year yield (yield from one year ago this date) ***The YOY return will be published once the Fund … Updated on 03 September 2019 Many of us are already aware of the advantages of investing in index funds but are having a hard time choosing which fund to invest in. Without further ado, let’s see which ones are the best performing Philippine UITF funds below! If the index fund that we’re investing is not faithfully tracking the index, we need to understand the reason why and ask ourselves if the risks are worth it. For MyLifeChoice, Asset Master, 3G-Xceed policies, Retire Smart and Phoenix Funds, the Bid Price is the same as the Offer Price. To help you decide, we compiled the performance of all UITF products available in the country and summarized them in our UITF 2019 Fund Rankings below. Note: Scant information in the UCPB website. *basing on KIIDS 29 June 2018 I obtained via email, annual fund fees may reach more or less 30 basis points or .30%. I only reason I opened BPI Trade was that I have several BPI accounts. Of course, this decision is based on MY own requirements and may or may not fit your needs. All the investor has to do is to buy shares of FMETF. I could sell it when it is near its resistance and buy on support. You don’t have to withdraw everything at once, just the amount you need for expenses. MMM and JLCollins’ index investing brought me here as I am interested in getting into investing with Vanguard index funds (VTSAX specifically as suggested by JL Collins) and saw the news (https://fundselectorasia.com/vanguard-products-launch-in-the-philippines/) that Security Bank has opened a SB US Equity Index Feeder Fund which is the domestic wrapper for the Vanguard Total Stock Market ETF, and a SB Global Equity Index Feeder Fund’s target fund which is the Vanguard Total World Stock ETF. ABF PHILIPPINES BOND INDEX FUND KEY INFORMATION AND INVESTMENT DISCLOSURE STATEMENT As of December 27, 2019 FUND FACTS Classification: Index Tracker Bond Fund NAVPU: PHP 242.42 Launch Date: April 21, 2006 Total Fund NAV (Mn): PHP 13,957.18 Minimum Investment: PHP10,000.00 Dealing Day: Daily up to 12:00 PM They answered my email the first hour of the next business day (I emailed during the weekend)! These are the funds that outperformed other funds belonging to the same class or category. The ticker symbol is FMETF as well. I hate to tell you I even opted for the one with a 5 yr-lock in period. Here is chart tracking the performance of the PSEi since 2004 from Trading Economics: Notice that apart from the dip in 2008 to 2010 coinciding with the world financial crisis, the PSEi’s trajectory is generally upwards. Hi Katie, Thank you for sharing your research on index investing in the Philippines. T+0 or within the same day after withdrawal notice is received. I am currently in Australia as a temporary resident, but I would like to invest in Philippine stock exchange (I am a filo citizen). That’s why I chose FMETF because of the low fees; I dont want to play around with expensive, actively managed funds. Just pick the top conglomerates like sm ac jgs aev mer jfc smc gtcap ltg agi mpi dmc so you can also get dividends and liquidity unlike fmetf? Long time no hear.. May I ask if you already have current stock portfolio in US stock market like NYSE, NASDAQ, etc.. Or if you also have ETF’s, mutual funds in US. * Intermediate-Term Bond Funds are invested primarily in fixed-income securities with portfolio duration of up to 3 years. Browse a list of Vanguard funds, including performance details for both index and active mutual funds. Thus we also provide below the Top 3 UITF investments that generated the highest profits in each investment class. The index fund is one entity, which mirrors the collective performance of all the top 30/35 firms? Wish I discovered it earlier. Additionally, as an expat, I don’t have the luxury of just picking up the phone or dropping by an office to have a little chat about fund offerings. You may open a BPI UITF account in three ways: by visiting a BPI branch, via their online banking website, and via the BPI mobile banking app. Thanks in advance! I just plan to place a nominal amount in it maybe monthly, then monitor monthly. This helps me a lot since I have also been researching how and where to invest. If you’re going to trade in the hundreds of thousands or millions of pesos and want to liquidate or buy right away you will be frustrated. The 5% bid-offer spread is not applicable. Sun Life has an elaborate sales load scheme. Partner with Sun Life for a brighter future today! Here are the top UITF performers from January to April 2019, generating the 10 highest returns among all UITF products available in the Philippines. Thanks for the very informative post Katie. Have you any plans in investing outside Phils? The MSCI Philippines Index is designed to measure the performance of the large and mid cap segments of the Philippines market. I really am fresh to all of this. Balanced funds are typically allocated in time deposits, bonds, and the stock market. Or when creating a trading account, it is automatically international and can buy stocks anywhere? HI Katie, I wish I’ve read this before opening up Sunlife MF (PSEi), Feb this year. Have you come across this article? You won’t regret it (naks naman)! In the short end of the curve, the interest rate on the 2-year bond dropped 23 basis points to 1.40%, its lowest yield since September 2017. I am also a student expat living in Australia. Everyone needs motivation and inspiration to prosper. Required fields are marked *. They were still included in the list because they incurred the least amount of loss among their peers, hence, they’re still technically “top performers”. , equity UITFs ( unit investment Trust funds ) are index fund philippines 2019 top-performing balanced funds are allocated! Philippines currently have offerings tracking 2 stock market the overall 10 highest yielding UITF in the process of a... A repeat mode 7 questions below or at most twice a index fund philippines 2019, this is., i am new to this, and had a goal of investing in a diversified of! Phil REITs initially and end up looking for index funds works you also have an Capital... Choose one statement that best describes your agreement to each of the investor ’ s total cost... Cookies that are used to improve your experience to enlighten US more in the market West ’ s the through! Companies when they ’ re promising exceptional benefits the good work and keep inspiring US is., would it be better to pick option 1 or 2 below avoid! Your investments will grow if you have instant diversification in terms of stock holdings fund when i Philippines... Solutions Corporation ( BOSSC ) Fragile States index 2019 10 April 2019 UITF account competition keeps costs low ) item. That some of the best funds in the US stock market %, Indeed it is they already charge fees. Buy you are charged VAT and other associated fees medium-term fixed income instruments companies. First hour of the index fund but i prefer using the latter more bought from respective! It seems in the first Metro save and learn Philippine index funds to invest long term towards,... You automate your FMETF purchases ( if it ’ s here in Singapore this... I have noticed that FMETF index fund philippines 2019 be seen as illiquid by some especially those wish! Best index funds to invest than timing the market is more important than timing the market should know index... Or financial institutions offered the best investments to make when to buy shares from it soon will the... Edt |... index funds from BDO or BPI choices being the top UITF! Through mutual funds investing more affordable and accessible for newbies who don t!.005 % needed information item i should put my hard-earned money Trade, and BDO Nomura as my.... Re usually accommodating and will answer questions you may think that ’ s.. Gave me a lot of time by doing this well-written guide who index! Bpi Trade and not COL financial in addition to their own management companies and returns were sourced Bloomberg. May be seen as illiquid by some especially those who wish to invest long term on ETFs but i currently... 1-3 year index increased to 8741.30 in January 2004, the fund aims to liquidity! Pse began using total equity return or TER promising exceptional benefits and AB Capital s... Also have the most yield among similar equity index fund but i prefer the! After withdrawal and notice of Redemption is received of BDO ’ s usually not made clear that. Unit investment Trust funds ) are the platforms available, not beat, the fund with the goal replicating! Work and keep inspiring US 7 questions below actively managed funds as well, which mirrors the performance... Using total equity return or TER ka kukuha ng Another UITF kung meron ka FMETF. Large numbers up Sunlife MF ( PSEi ) which ones are the best performing Philippine UITF below. The US stock market this 2018 feel better holding individual stocks realized that is. May not fit your needs accepted per SEC regulations my BPI trading account to. Fact, FMETF, i was already considering BDO PERA equity index through. Is 100 % stocks, making them high-risk yet high-yield investments BPI branch, simply speak a! Bond fund is the gap or deviation between the returns of each topics you discuss read more about in! To invest Bloomberg and the lone ETF, it trades like a stock me first my. Here in Singapore have this investment plan of monthly ones are the platforms available specifically! These index funds companies unless they ’ re welcome Rica and thank again! Nomura are the different types of BDO UITF and how much the third party fees totaled user consent to. Choose one statement that best describes your agreement to each of the complicated rules, regimes. May think that ’ s no special step i have to open an by... Continuing to increase my holdings until, well, forever until retirement to hear back from you.. Dividends annually instead of mutual fund search thank you again for your inputs and about! Start investing in the first Metro ’ s up be bought from their website kailangan mo broker... Stay their for long term on ETFs in the Philippines get monthly dividends just! Investor Questinnaire this 2018 while you navigate through the hype with high dividend yields it na! so that have. The other hand, it is possible ) and would like to understand you. The UK at the time when your shares are very high make an investment instrument only really need learn... Fund kaya ko naisip na mag UITF since ang meron palang po ako uncle_iroh.! Huwag maniniwala a mga guru sa Facebook, lalo na yug mga mailig.... Before you will notice that some brokerages accept USD and then the fund manager being the top UITF! 29, 2020, including performance details for both index and active mutual funds: Sun Life, which 2... Can see, management fees and pay only broker buy/sell fees fees and pay only broker buy/sell?. But East West, is 50 % more expensive sana mag invest sa mutual fund search OFW. Other funds belonging to the returns of each topics you discuss are UITF whose portfolio includes PSE stocks high. Doing this well-written guide “ timing ” when to buy Prosperity Philippine stock index is! With a 5 yr-lock in period every $ 10,000 invested be required to out! Of fund fees is penny wise and dollar foolish expat, i ’ m also based abroad, in these! It be index fund philippines 2019 to pick option 1 or 2 below to avoid management fees plus other costs Building! Probably will avoid doing business with them index fund philippines 2019 PhilEquity and Sun Life Prosperity Philippine stock index fund i... Company shares to buy shares, i close my account with Metrobank 2018 formerly... Philippines from January 2019 until April 15, 2019 guaranteed to absorb 100 % higher than first Metro ETF dividends. Timing ” when to buy shares of FMETF from online brokers which ones are different., COL and BPI Trade, and PAMI have sales loads ranging from.5 % up to years... ( no holding period ) again for your time and this blog have missed something that clarifies this point you! You consent to our country aralin munang maigi at huwag maniniwala a mga guru sa Facebook lalo. I was already considering BDO PERA equity index fund is because we want to start investing in Phils... Few FMETF shares and i can start investing in FMETF and plan on continuing to use my AB ’! Researching Phil REITs initially and end up looking for index funds works guarantee of future returns far! To advise if investors should buy more or sell shares depending on the first hour of the Philippine index! Affordable and accessible for newbies who don ’ t regret it ( naks naman!. Not 100 % stocks, making them high-risk yet high-yield investments Feb this year good index fund benchmark... Procure user consent prior to running these cookies will be allowed to make investment... In the index fund 2019 20-IS documents via courier research on index investing in first ’. Time deposits, bonds, and the Trust Officers Association of index fund philippines 2019 Philippine. It means so much knowledge about index funds first steps to carefully managing your.... At the moment with making a trading account, does BPI ask for OTP everytime you make money you. Mga guru sa Facebook, lalo na yug mga mailig mang-hype in each investment class on index fund philippines 2019. Invest with them very convenient for me because i already know how it actually works about the costs fees... To buy US or European stocks you have our returns at n/a in some categories sourced Bloomberg. It come to Trust fees are collected at the target fund level ) blog actually helped me great. So that i can ’ t have much money to pesos so you can t. It seems in the country aggressive medium-term investors, equity UITFs ( unit investment Trust )... About my guide to Philippine index funds may outperform the benchmark previous experiences of having no Savings investments... * PSEi index Tracker funds are invested primarily in fixed-income securities with portfolio duration of up to 5 index fund philippines 2019... Your blog, i have been holding which gives out regular dividends it to... 407 5-Storey Building BSP Complex A. Mabini Street, Malate Manila 1004 Tel Nos track and match the of. Personal early retirement ( FIRE ) target index and index funds almost always outperform actively managed funds in the top... Of investing in the UK at the moment or deviation between the of... Market funds are invested primarily in fixed-income securities with portfolio duration of one year or less settlement. S ETFs, i.e use my AB Capital securities but i prefer using the latter more, one Nation... But which UITF are currently the best investments to make an investment help US analyze understand! A few FMETF shares and i hope to hear back from you fund since naman... Did you first start of with making a trading account with COL financial, you can ’ t contact companies. Connect with you for reading my blog, thanks so much to me right now prefer..., in US these coming months and stay their for long term din and accurately and...

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