Want to invest and grow your income this 2024? The following are the best mutual funds to invest in the Philippines in 2024. We have completed the list and written them down per fund classification – equity fund, balanced fund, bond fund, and money market fund.
Mutual funds are among our favorite types of investments because experts professionally manage them. Besides their different asset classes and compositions, mutual funds are also great options to diversify our portfolio.
We’re sharing the top-performing mutual funds in the Philippines right now. If you are a beginner or an experienced investor, knowing the excellent mutual funds to invest today will help guide your investing journey.
What are Mutual Funds?
Mutual funds are pooled investments managed by professionals and financial experts. These pooled funds are invested in different assets such as money market funds, fixed-income securities, and equities. There are different types of mutual funds that match every investor’s financial goal and risk profile.
Benefits of Investing in Mutual Funds:
- Affordability
- Diversification
- Liquidity
- Expert Fund Manager
- Profit Potential
Why should you invest in mutual funds?
Earning Potential
Many investors rely on mutual funds to earn and gain income, especially risk-takers who prefer stock funds or equity funds. Mutual funds generate higher returns than regular savings accounts or time deposits.
Professionally Managed
You don’t need financial expertise to manage mutual funds because these investments already have professional and excellent fund managers who will do the technical tasks and investment strategies to grow the fund.
To Beat Inflation
Prices increase now and then, but people’s regular income barely rises. We must invest our extra funds and venture into income-generating assets to beat inflation. One way to do that is by investing in mutual funds.
Additional Retirement Fund
Mutual funds can also support us in our retirement by investing long-term. The funds that we invested some years ago can grow over time. We can redeem our mutual funds when we retire and use the capital and profit as additional savings.
These types of funds and investments have risks and it is very important to get to know them better, get to know your status as an investor, and diversify your investment wheels.
Different Kinds of Mutual Funds Available Right Now
The following are the different kinds of Mutual Funds available in the Philippines right now. Always remember, the higher the risk, the higher the earning potential.
We classified the available mutual funds according to the type of investor, risk, and goal.
Best Mutual Funds in the Philippines in 2024
If you are already eyeing the best investments for mutual funds, here is the latest data on their performance in a year. The stats are taken from the Philippine Investment Funds Association.
The early bird usually catches the yummy worm. These are the top mutual funds that performed well with higher returns. And as usual, we will update the data again in the coming months and the next quarter.
Top 15 Best Performing Equity Funds in the Philippines:
NAVPS Performance as of July 13, 2024. Data shows Year to Date (YTD Return %).
- Sun Life Prosperity World Voyager Fund – 15.25%
- Philequity Dividend Yield Fund – 11.03%
- ATRAM Alpha Opportunity Fund – 9.21%
- ATRAM AsiaPlus Equity Fund – 6.75%
- Climbs Share Capital Equity Investment Fund – 6.18%
- Sun Life Prosperity Philippine Equity Fund – 4.57%
- ALFM Growth Fund – 4.47%
- Philam Strategic Growth Fund – 4.19%
- Philequity MSCI Philippine Index Fund – 3.89%
- Philequity Fund – 3.68%
- Philequity PSE Index Fund – 3.68%
- Philippine Stock Index Fund – 3.60%
- Sun Life Prosperity Philippine Stock Index Fund – 3.51%
- COL Equity Index Unitized Mutual Fund – 3.51%
- Philippine Stock Index Fund – 3.50%
Top 5 Best Performing Balanced Funds in the Philippines:
NAVPS Performance as of July 13, 2024. Data shows Year to Date (YTD Return %).
- Sun Life Prosperity Dollar Advantage Fund – 10.10%
- First Metro Save and Learn FOCCUS Dynamic Fund – 9.61%
- PAMI Asia Balanced Fund – 6.56%
- Sun Life Prosperity Dollar Wellspring Fund – 4.32%
- Solidaritas Fund – 3.40%
Top 5 Best Performing Bond Funds in the Philippines:
NAVPS Performance as of July 13, 2024. Data shows Year to Date (YTD Return %).
- Philam Managed Income Fund – 3.67%
- ATRAM Corporate Bond Fund – 1.78%
- ALFM Peso Bond Fund – 1.73%
- Philam Bond Fund – 1.62%
- Ekklesia Mutual Fund – 1.59%
Top 5 Best Performing Money Market Funds in the Philippines:
NAVPS Performance as of July 13, 2024. Data shows Year to Date (YTD Return %) including dollar securities.
- ALFM Money Market Fund (in units) – 2.24%
- Sun Life Prosperity Dollar Starter Fund – 2.17%
- First Metro Save and Learn Money Market Fund – 2.05%
- ALFM Money Market Fund (in shares) – 2.03%
- Sun Life Prosperity Peso Starter Fund – 1.75%
If you are into investments, we are sure you are diversifying your capital by having more paper assets while also investing in other assets like real estate properties, businesses, and passive-income investment wheels.
Mutual Funds are just one of the many investments you can start to have financial abundance. There are also other rewarding paper investments like UITF, ETFs, and stocks. Remember to invest according to your risk appetite, financial stability, and goals.
FAQs About Mutual Funds:
Are mutual funds exempted from tax?
Yes, as amended in the National Internal Revenue Code of the Philippines, gains realized upon redemption of shares in a mutual fund company are exempt from income tax. This law is amended to encourage more Filipinos to save and invest money.
Can I lose money investing in mutual funds?
Mutual fund investments carry risks. An investor must study the mutual fund’s prospectus, evaluate his risk tolerance, financial status, and objectives before investing in a mutual fund. An investor could lose money in mutual funds if he failed to execute the right time and strategy for his investments.
What is NAVPS in mutual funds?
NAVPS is an acronym for Net Asset Value Per Share. It is used to measure the value of one share of a mutual fund. Investors can buy or sell shares of a mutual fund according to the NAVPS, which changes every trading day.
Other Investment Guides:
- 5 Reasons Why I Got Sun Life VUL Insurance in the Philippines
- Investing 100,000 in a Mutual Fund vs. UITF vs. VUL Earnings
- How to Earn Dollar Dividends in the Philippines without Trading the US Stock Market
Disclaimer: This article is for information purposes only and should not be considered as professional advice. Investments in mutual funds have risks. Historical performances don’t guarantee future results. Always do your research before investing your money.
Who owns Philippines Stock Index Fund?
How do you choose the right mutual funds Ms Fehl?
Do we have these types of funds in the Philippines?
Growth
Growth and Income
Aggressive Growth
International
If time permits and I am able to invest.
Please point me to the right direction. By the way your website is very informative. I appreciate it.
Hi Ms. Fehl, can you check for me if there’s a nearest Mutual Fund Company in Butuan City Agusan del Norte particularly, or within Butuan City? Thank you.
Ms. Fehl good day! Thanks for the article! Question lang po, considering na nasa 40 pesos na ang NAVPS ng PhilEquity from below 10 pesos more than 10years ago, possible pa din ba na tumaas pa siya lalo? And is it okay to invest po in equity funds for around 20-30 years? Thank you po.
It’s ok so long as you don’t need your money and the net asset value per share(average acquision cost) does not fall below your estimated return for the long-term and inflation rate
Hi there!
Very useful post! By the way, are you using cumulative return on the 5-year return or is this CAGR?
Thanks!
Hi Ms. Fehl!
May nag-recommend lang po akin na mas maganda daw mag pa member sa International Marketing Group (IMG) kasi isa sa mga bininbigay nila na benefits is zero sales load. Is that true? If it’s true, is there a minimum investment para maka avail sa sinasabing zero sales load na yan? Kung walang sales load, may possibility ba na doon sila kukuha or magchacharge doon sa kikitain ng investment mo? What can you say about it? Your respond is highly appreciated. Thank you so much!
Rodz
I can confirm IMG has no sales load for the MF that if offers. Check the MF available from them. Normally for MF, min is still 5K. With IMG, you need to be a member to avail of such discount that entails additional cash outlay from you. You also have to check once your order has been executed to verify if the sales load has not been charged. Also, there are other fund houses that offers no sales load on their funds. Hope this helps
Thank you Miss Fehl!
Anyway, what can you recommend other MF houses that offers no sales load on their funds?
I suggest use COL Financial, they don’t charge entry fees for their mutual fund houses 🙂
Hi Ma’am Good day!
May nag-recommend lang po sakin na it is best to register with the International Marketing Group (IMG) daw kasi isa sa mga benifits ino-offer nila is a zero sales load to every transactions you will make. Is is true? If yes, is there a minimum amount of transaction so we can avail the said benefit?
Thank you.
Rodz
like ms fehl said, to be an img you need to pay for a membership fee of around 3k plus as membership fee and has to get a kaiser plan payable for 7 years.
so, it is not wise to be an img member if you are just sparing some cents for a zero sales load. but, if you want to avail of their free seminars and other benefits such as getting a commission for your insurance and investments then, you need to apply as member and pay certain fees and get the kaiser plan.
Excited to try Philequity PSE index fund. Mghinay2 lang ako like 3k a month for a year, tingnan ko kung kaya! 😀 Thanks, Fehl.
Always a pleasure 🙂
to be honest gusto ko mag open ng Equily fund but like you said aggressive sia they mean possible na mawala ung pera if malugi ka ?
Equity Funds are suited for 5 years or more. Do not expect lalaki ang funds mo in a year. You need to invest time din. So far wala pa naman akong kilala na nalugi sa Equity Funds. Aware kasi sila sa term ng investment and so objective ng funds. God bless!
hi!
i got Philequity and ALFM as my bond fund but what do you think is the best balance fund and equity fund so far?
is Philam good for bond fund as well?
thanks.
Correction….i got Sun Life and ALFM as bond fund rather..
hi Fehl – gusto sana subukan ang bond fund or balanced fund. ano pong personal choice nyo on either of these funds? was thinking of ALFM for bond fund.. thanks ahead!
Hi, aggressive po kasi ako kaya more into Equity Funds. Ok naman ang Balanced Funds and Bond Funds for moderate risk takers and medium term
Hi Good evening! 🙂
Maganda po ba mag invest sa equity fund ng sunlife? Balak ko po kasi mag invest sa kanila.
Can you give me some technique or strategy to minimize risk when investing in equity fund? Like kelan ako magtataas ng iinvest na money.
Thank you in advance .
Hi ms. Fehl, i’m 22 years old and matagal na din po aq ngbabasa with your diff. article. and i decided i should have my investment for my future . ask qong lang po if pwde na po bang aqng magkapag-invest in philequity with a P5,000? and pwde po bang mag-apply sa philequity through online lang. and can you suggest me what & where can i invest with P5000? i want po sana is yung high risk with high return.
thank you in advance & your response is very much appreciated. Gobless po.
Yes, you can invest in Philequity online if you already have COL Financial account. COL serves different mutual funds like Philequity, Sun Life, ALFM and many more. It’s very easy and fast. YOu can raed more MF guides on dailypik.com I made that site for stocks and MF guides and tips. Cheers!
ano difference if I directly course my investment through Philequity instead of COL? except for the obvious that it is much faster with COL.
does COL collect commission? if yes negligible na ba yun amount
With or without commission, it’s between COL and the MF na
Hi. Who operates Philippine Stock Index Fund? Is it under ALFM?
In the above data yes, it’s under BPI
Hi,
Looking at the bond peso fund, would it be safe to say that Cocolife Fixed Income Fund was doing very well? Based on historical data (which I don’t have, but you might), would it be a safe investment for the long term?
Thanks!
Hi. Cocolife Fixed Income is great and also First Metro Save and Learn Fixed Income Fund, both are good for long term but of course past performance won’t always guarantee future performance
Hi,
I am planning to stay an Equity accounting and I am looking at FAMI or Phil Equity? Which would you recommend? Also, I would want to know if Philam is also good for such?
I would rate those from my personal choices: Philequity, Philam and FAMI
Start* an equity account* rather.
So your best choice would be Philequity?
Thank you so much 🙂
Hi,
Pano po ba magopen ng philequity ? yun kase want ko po sana..
ang baba kase ng return ng alfm compare sa philequity. TYI. Godbless!
Hi Fehl, Is there a chance you can review Soldivo funds. Thinking of investing here but sales load and management fees are high.
Hi Fehl,
I am HUGE fan of your blog and you changed me! Seriously.
Thanks heaps. Any chance you will discuss on ETFs?
Hi Fehl, can you give me some reasons on why should I invest in Philequity PSE Index Fund rather than the others?
Phillipine Stock Index Fund * not Philequity.
If you prefer to mimic the PSEI composition, then you must choose Phil Stock Index Fund than the other equity funds
Hi Ms. Fhel,
I am a newbie and i have been reading your posts and they are very helpful to me. I just want to ask about the year-to-date percentage in the columns you have made. What does it mean if they have a negative value? Is that a bad thing? Would they mean a loss on our part? Thank you so much and im hoping for your enlightenment.
Year to date means year so far, from Jan.1 to present. If you have a negative value for YTD, then your earnings will be affected since YTD performance is not great. It won’t mean total lost
Hi Ms. Fehl,
Gdpm po just have a couple things to ask:
1. Base on your experience, which company would you recommend
Philequity or Firstmetro?
2. Is there a living proof who gained millions because of the
investment? Do you know a person? (reason i asked this kase po they
say na sa investment walang sigurado, high risk high return, so
wondering kung may average filipino citizen na kayong kilala na nag
gain na sa Mutual Fund or pag dating sa investing after so many years).
Hi. Philequity suits my choice. Yes, I know some people and clients who made millions with MF, UITF and stocks
Hi Ms. Fehl, how to open a mutual fund account in philequity ??
Easiest way is via COL Financial, see the steps I made here: http://dailypik.com/how-to-open-mutual-funds-online-via-col-financial/
Another way is by going to Philequity office to open an account
good day,
i want to start this kind of investment, how can i start?
Choose a mutual fund company then choose the MF that suits your risk profile and financial goal, then open an account. You can read our Mutual Funds articles at dailypik.com to learn more
good day,
really i want to start MF investment , please tell me the procedure.and recommended company.
Hi Mis Fhel, need pa bo ba mag broker online para mag invest or pede dumiretso sa opisina ng mga company para mag invest, para mabawasan yung fee para sa broker.
Regards,
You can directly go to the Mutual Fund company to invest or open your account
hi ms fehl just want to ask if wat is the best company for bond fund and money market fund in your opinion.. im very conservative investor. ty
I like ALFM Funds for Bond Funds and Money Market Funds and some for UITF from BDO and PNB
hi po! inquire ko lang what if i invested 5k then ang addt’l investment ko every month is 1k? ok lang po ba un?
Ang AI po ba is a requirement?
Depends upon the type of Mutual Fund na pinili mo. Every fund has different requirement
hi miss fehl ..
i just want to ask if what is the best performing bond fund company in the philippines.. its my first time to be with this investment.. just wanna try first the bond fund.? thank you.
more power
They change every month but I like ALFM for bond funds
Hello Ms. Fehl
I’m new to all of this. May I please know whether your sources for these figures are accurate and official?
Thank you.
Thanks for this. Very helpful!
Looking at the best Equity mutual funds, it seems “Philippine Stock Index Fund” has the highest returns across 1,3,5 years.. I tried searching it online however i cannot find the broker/firm. Could you please share what broker/firm manages this fund?
Thanks!!
You can make use of Philequity also for this one. They cater this type of fund.
Just want to ask. If saan mas okay mag invest or kumuha ng MF, sa COL or direct sa sunlife?
Also, in terms of liquidation the assets saan mas madali po?
Ms.Fehl,
Please advice, I have 500k to invest i like long term 3yrs up. What is the best investment scheme to invest my money. Thank u.God bless
If you are aggressive, aware of the high risk and 500K is only 20% of your whole money asset, invest it in an Equity Fund from a mutual fund or UITF.
Hi Ms. Fehl,
My friend and I would like to know more about mutual funds. We are looking at investing in philequity or sunlife. Can you enlighten us which is better? Need your advice. It would be great if you can give us other options too.
Thanks,
Roxanne
Hi, I make reviews about mutual funds at my other website dailypik.com you can read about them there too to learn more
Ms fehl, ! Sa Balance fund san po maganda mag invest?tnx
hi ms. fehl, i already placed my investment in BDO uitf only 10k lng muna. i asked the teller if pwede q dagdagan ung 10k q next month para mas malaki ang return q after 3-5 yrs..she recommend generali…then, the financial adviser explained their life insurance…
my question is maganda ba mg invest sa generali?ung investment q b sa mutual fund mapupunta?
san ba mas mganda mag invest sa bdo uitf equity fund or sa generali?
thanks a lot
Hi, Generali kasi ay Insurance and Investment. If you don’t have insurance yet, you can get one like Generali BUT make sure you are comfortable paying it usually kasi mahal ang premiums. Pag-aralan mo muna mabuti and think many times bago ka kumuha lalo na pag 50K and above per year na ang usapan nyan per year.
Good day Mam!
I plan to get a MF and a UITF soon. What company/bank would give me the best deal in terms of charges/fees to profit/interest rate value? I was thinking bpi all the way but your thoughts are greatly appreciated. TIA!
Halos pare pareho nlng din naman as to fees and charges accross all uitf’s and mutual funds.
One consideration is the convenience to make additional investments.
mam ystrdy ka pickup lng ng colpa
ra sa application namin ni misis planning to invest sa mf for lng term tama ba na sa philequity kami mag open at among product
Hi ask ko lng poh ng invest ako sa soldivo and fil equity bat untill now wala pa akong ntanggap n letter kung ng intres n b pera ko or hindi 1yr na plz
Hi Ms. Fehl, under the best equity fund, I’m interested kasi in the Philippine Stock Index Fund but when I try to search it online, maraming lumalabas under different companies that offer PSE Index Fund. Under what company po ba yung nasa list? Thank you!
Hi ms Felh, I have a savings account in BDO and gusto ko sana itry yung pagiinvest. Hihingi lang po sana ako ng suggestion nyo po. And how much po yung initial amount na kailangan?
Thanks! hope you will reply.
Good day,
I am not Miss Fehl but I hope that this would answer your inquiry. This post pretty much could help you to have more nformation about investing
https://philpad.com/how-to-invest-in-mutual-funds-in-the-philippines-make-money-make-millions/
as for your question how much, you can start to invest in many investing vehicle (mutual fund, UITF, or stocks trading etc.) with as low as 5000Php. choosing where to invest relies on what your financial goal is.
best wishes 🙂
hi mis fehl.. ask ko lang kung ok ung phil equity peso bond long term ang plan ko.. moderately aggressive investor.. and bka ,ay my masuggest ka sakin kc kkaopen ko lng ng acct and gust q na magstart ng mf fund.. thank you po…
Hello Ms. Fehl.. ako po uli 🙂 ngstart po ako ng Mutual Fund after reading all your blogs po, I chose First Metro Save and Learn Fixed Income Fund.. question lang po, un na po ba ung pinaka stock ko or inaallocate po nung Fund Manager into different stocks? Thank you po and God bless!
Hi, your MF is invested on bonds, and fixed income money instruments. You won’t have stocks
Hi, I have a stock certificate from Filipinas Mutual Finance Inc. It is in the name of my grandmother. Is this worth anything today? I’m new to to the mutual funds area and would greatly appreciate your guidance. Thanks in advance!
Hi, it’s better if you go to the office of that said company to verify it. I’m not familiar with that name po
Hi, Ino, we’re in the same situation. I came across a stock certificate from filipinas mutual finance inc. Dated way back 1993, which is in the name of my grandmother. I was wondering if you followed yours up. If so wanna know if it’s still worth anything. Thanks.
hi ms Fehl,
pano po mag open sa BDO UITF, if OFW po ako, may regular remittance po ako sa BDO, meron din po ako ebanking,ndi ko lang po alam pano mag register if pede online, pa help naman po,
salamat po.
BDO still requires personal appearance in opening UITF
Hi Ma’am Fehl. Gsto ko mag umpisang mag invest lalo na para sa future ng anak kong 2 yrs old. May inopen kaming savings account nya sa Metrobank pero parang natutulog lng di ang pera sa kakarampot na interes. Ano po ang masuggest nyo na gawing investment para sa future ng baby ko? Mutual fund po or UITF? Long term plano ko mga 20 to 25 yrs po na hindi namin pakikialam at gsto namin lmaki din ang pera na iinvest namin para sa knya. Sana makapag reply po kayo. Thank you.
Since Metrobank ang gamit mo, I recommend Money Market or Fixed Income UITF
Hi mam fehl, gusto ko sanang mag invest sa soldivo, i heard na bago pa po itong MF nato, is it a right decision for me? Bago palang ako MF stuffs
We will review Soldivo in DailyPik soon
Hi ma’am fehl gusto q dn Po sna mag invest sa soldivo ok Po ba dun khit medyo bago plang sila sna answer my question Po Thnx po
Miss Fehl, may I know where do you get your data?
Hi Ma’am Fehl, which is better po Axa by Metrobank or Sun Life grepa by RCBC?
Salamat po
good day po ms. fehl…ano po sight ng sunlife?paano po ako makakasali sa mutual funds nila nandito po ako sa abroad pls. advice po kung ano po gagawin ko..salamat po
If you want to open mutual fund account online, you can do it at COL Financial. It’s very easy and more convenient, you can add more shares anytime and online. Follow the steps here: http://dailypik.com/how-to-open-mutual-funds-online-via-col-financial/
Hi Ms. Fehl. Is it better to do it by COL or go directly to the company like Phil Equity? Is there a difference? Fees? Security? Thanks!
Hi Ms Fehl,
All your comments and suggestions are very valuable and inspiring. Can you please comments on 2 funds as follows: Money Tree from PhilAm and Equity Fund 2 1=1 of BPI.
Thank you and God bless you more
I will make that review at DailyPik
I think the computation is like this
Total = [P(1+r/n)^nt] + {AI*[((1+r/n)^nt -1)/(r/n)]}
Where P= Initial investment
r= rate of interest per year
n= number of times compounded per year
t= time or number of year invested
AI = additional regular investment
For example:
P= Php 5000
r= 15%
n=12 times a year
t=10years
AI= Php 5000 per month
Thus:
Total =[5000(1+0.15/12)^120] + { 5000*[((1+0.15/12)^120 -1)/(0.15/12]}
=[5000(4.44)] + {5000*[(4.44-1)/0.0125]}
= 22,200 + {5000[3.44/0.0125]}
= 22,200 + {5000[275.2]}
= 22,200 + 1,376,000
= Php1,398,200.00
Hope this computation will help especially for those asking for a potential returns
I don’t think your formula is right. Where can you see an investment amounting to 5,000 pesos will earned more than a million pesos in just 10 years? Please correct me if I’m wrong. Thank You!
The formula is correct, actually that is formula for compounding interest. You can see 5k initial investment and then 5k additional investment per month for 10 years
Hi, Ms. Fhel. Nagstart po ako mag invest ng MF Philequity Fund last July 29, 2015 lang and upon checking sa MF Portfolio, nag gain po sya (I’m using COL Financial Platform). Pero nung chineck ko yung Portfolio under Trade Menu ay nag loss ang MF ko, bakit po kaya ganun? Aling Portfolio po ba ang dapat tignan pag MF? TIA
hi ms fehl wala ko idea bout this pero nabasa ko ung site na to..pwd po mag tanong pa if mag invest po ko ng 50k wala naman na ko ibang gagawin o huhulugan monthly? saka 1f patagalin ko sya ng 10years okay lng po ba??
Hi. Ms. Fehl. I already have investment to Philiequity Fund. Then I would like to invest again for my son’s educational fund. Is it advisable to just open a new account for the same product PhiliEquity Fund?
Ms. Fehl what do you think po sa PAMI equity index fund? Nkalagay po kasi sa page ng philam life na magiging millionaire daw po after 10 years kpag nag invest sa kanila, 5000 lang investment and additional 1000 every month..
Yes, investing 5000 every month and adding 1K will make you a millionaire if the fund grows more than 15% every year
Yeah it will be 1m if it grow 15% per year but that is impossible to to get 15%.
Dear Ms. Dungo:
I am so happy that you love to share your knowledge and experience with people.
Here are my questions:
What are the meanings of the following terms:
1. Year on year — Yoy
2. Year to date — Ytd
3. Previous 1 month, 3 months, 1 year, 3 years, 5 years
On #1, does Yoy mean the difference in two prices of a fund, with the previous price 1 year backward subtracted from the latest price of today after 1 year; then the difference divided by the previous price 1 year ago, to get the percentage of gain or loss?
Please forgive me if I get the idea all wrong, I am an absolute newbie.
On #2, does Ytd mean subtracting the price of the chronological start date of the current year from the price to date i.e. today, then proceed just as with #1 to get the percentage of gain or loss?
On #3, does it mean as with #1 and #3, going backward 1 month, 3 months, 1 year, 3 years, 5 years?
Please bear with me, for I am an absolute newbie.
Now, I like to ask you, what do you say about my temptation of selling my fund when the price has reached a height set by myself, and get the principal plus the gain; then when the price has gone down to a low also set by myself, buy again? My purpose is to get cash into my hand, and I think in the course of time I will be getting bigger and quicker cash, than waiting for 3 years or 5 years or on retirement time.
Here is a question which I think is also about how to get bigger and quicker cash into my hand, than waiting for years, namely, when I see that another fund is doing very well, then I sell what I own already and buy that better and quicker performing fund — but of course I have to study the behavior of the latter’s price trend, that it is higher every day and also higher than the daily increase of the fund I am thinking of selling to buy this better and quicker one.
I hope you will bear with me, I am an absolute newbie, but I do some common sense thinking and common sense timing, and common sense arithmetic.
Please reply to my comment.
You would want to read the book Common Sense Mutual Funds by John Bogle.
Hello po mam, tanong ko lang po pag halimbawa mag-iinvest ako ng 10000php sa equity fund for, let’s say 10 years, makukuha ko pa po ba yung 10000php ko aside sa dividend na makukuha ko? Thanks po.
Assuming your investment has grown, yes you can redeem
Hi Ms. Fehl
I would like to invest Php 100,000 in phil equity fund for 3 years
and i need your advice whats best equity fund company here in phil.
regards
Philequity, Sun Life, Philam are all great
Hi fehl bibili ako ng mutual funds (equity fund)sa tingin mo mas magnda ba ang philequity, sjnlife at philam kesa sa bpi equity fund longterm investor ako
At salamat nga pala kasi kumita ako ng 1k sa meralco after less than 6 months of investing
My pleasure. In my personal preference, I like PHilequity then Sun Life then Philam. If that is what you want to know here 🙂 Congrats with your gains on MER. Do same strategy with other stocks.
maraming maraming salamat sa pag share mo ng knowledg dito sa blog mo sana hindi ka magsawa , good health sau at family mo 🙂
Thank you, God bless you!
Your blog is really helpful. Thank you for sharing.! I would like to get your thoughts in getting a VUL with equity funds, what would be your best choice in this regards? Thanks in advance!
Sun Life
Dear Fehl,
Good day sau. This month, my husband and I are planning to open Mutual Fund in PEMI (Philequity Management Inc) since they have license to operate abroad. We are planning to open 2 Accounts, either combination of Philequity Fund and Philequity Dividend Yield Fund or Philequity Fund and Philequity Peso Bond Fund. Which do you think is best combination that we shall avail? How do you assess PEMI as well?
I prefer the first combination if you ask me but you can also choose the second one 🙂
Hi Ms. Fehl, thank you for posting these useful information for us beginners! My husband and I are planning to start a mutual fund. Based on your recommended MF companies (Philequity, Sunlife, Philam, ALFM, FAMI), which of them has the lowest upfront, management or exit fees if lets say, we invest in a bond or balanced fund?
Also how can we monitor the performance of the fund? Will they regularly send reports to us? And will they disclose which companies they are investing our money to? Thanks again for all your help!
They usually have the same fees but different strategy and allocation. Sunlife has great online system to easily monitor your investments. Yes, all MF issue reports to all investors and interested investors
Hi mam Fehl..i am a begginer..and i am planning to invest either of AXA,PHILAM,BPI,BDO..which is better?please help..thanks..
hi Ms. Fehl,
It has been mentioned in this site the top mutual fund and one on the Toplist is Phil equity while Soldivo Fund is in the least, is it because just new on the stream?
Is this mean that it is good to invest in new Fund house because of high potential for growth? while if you invest in matured Fund house ( like Philequity) there is still potential for growth pero hindi na ganon kalaki. Is that correct? Please enlighten us on this, Thanks very much.
It doesn’t mean that a new MF will have a better potential than an old one. Actually I see it as more challenging because that new MF needs to prove more than the other MF who have already established great records. The old MFs have already proven something and investing with them is less risky than investing with a newly created MF company. At the end of the day, it’s your choice which Mutual Fund company you trust and believe in the most 🙂 God bless!
i am about to join soldivo. Tama ba sa palagay niyo ang gawin kong move?
kasi it is my first time in mutual fund.
Depende po yan sa decision nyo. Before you open a mutual fund, consider your risk tolerance, your financial status and your goal.
Hi ma’am. I am an OFW and i am planning to invest in Phi Equity. I am an aggressive investor and targeting for a long term investment with a goal. I am planning to invest in their Philequity Dividend Fund Inc. Could you advice me if I took the right fund or you have other advice. Thanks a lot
Hi. If you’re investing for 3 years or so, that’s a very good choice since Equity Funds are suitable in that time frame
I was referred to IMG ,Kaiser internationl by my friend is that company good ? Help me please before deciding to invest to that company.God bless
Yup! You may attend their free seminar so you could have at least an introduction on financial education. They have investment products, too. So if you’re willing, you can go to their office. Btw, I’m one of the member but not yet active and still educating myself about investments.
Dear Ms. Fehl,
Good day po sa inyo. Reading your website is very informative and inspiring. I am planning to get Mutual Fund for my daughter. My main objective is for her college education. She is 1 year old now, can you suggest what is the best Mutual Fund that I need to consider and aling company and sa palagay po ninyo is best performing or mas credible? Nag enquire na ako sa Phil Equity and anu ang ibig sabihin ng Sales Load, Exit fee and Management fee? Paki-advise lang po. Thank you po.
Hi Richelle. In choosing mutual funds, you must consider the risks involved and the plan you want. Money Market Funds have the lowest risks while Equity Funds have the highest risks. The higher the risk, the higher the income opportunity. The middle player is Balanced Funds. Sales load are the entry fees involved while exit fee is what it is. For some MF, they remove the sales load and exit fee when you invest for 5 years or so. Sunlife, Philam Asset Management Inc, and Philequity are all reliable Mutual Fund companies here
Hi ms fehl!ist,thank you so much kc nliliwanagan kmi mga bago s investing..ask ko lng ms fehl,kc i am aggressive investor @ i am for long term. i want to invest all in EQUITY FUNDS but in diff companies.bdo,bpi for uitf @sunlife for Mf ang choice q.okei lang po b un?do you consider it also as diversification?i’l wait your comments @ suggestions ms fehl pra panatag ang loob ko that im in the right track.thanks a lot ms fehl.i will follow your advice coz i believe in you..you are my
Hi. That is a great strategy for you to diversify. You’re on the right track. Just have goal or a target and follow it.
hi po,ask ko lang po kung ano ang dapat gawin sa pera ko sa BPI at Metro Bank hindi po kasi sya naka time deposit,balak ko pag uwi ko ayusin pero di ko alam anong plans ko iapply para may tubo nmn ung pera ko habang ayaw ko munang kunin kasi babalik pa ako abroad..nakajoin na rin ako ng Phil equity at soldivo at col financial pero waiting pa ako sa email nila para makastart ako mghulog..
The first thing you need to do is have a plan that is suitable for your risk appetite and goal. Then open the account you want following your plan.
Hello po ma’am Fehl,
I just opened an account in FAMI Peso Balanced Fund. Looking at the table above, it is not performing well compared to other companies. Do you think I made the wrong decision?
Thank you!
Expect decent earnings in your Balanced Fund after a year coz Balanced Funds are suitable for 1 year or more
Hi Ms. Fehl,
Philequity Funds, doesn’t have online access for investors to monitor their profits? What is the disadvantages & advantages between lump sum of 100k & 5k installment basis or let say not successively a month to invest? Philequity opening ac. through online is safe? How can we sure that we really deal with PEF especially OFW. Thanks and appreciated your effort to posted and info. and inspired people to invest! God bless you.
Hi. I don’t see online feature in their site as of now but you can open an account via emailing them. It is safe to bank online when the site starts with https. To answer your other question, please read https://philpad.com/lump-sum-investing-versus-peso-cost-averaging/
Hi Ma’am Fehl,
Good Day po! Ask ko lng po if COL STARTER Minimum Investment: P5,000 ay Mutual Fund or Purely Stocks sya. Meaning Ikaw mag manage ng fund mo or si Fund Manager.
Base sa mga MF like PhilEquity minimum investment nila is 5K.
Seeking for clarification po.
Salamat and God Bless
Regards,
Mark
Hi. COL Financial is a stock broker not a fund manager. Thus, you deal with stocks yourself
Hi =)
Yes, COL Financial is an stock broker, but this month June they have already offer some COL clients MF’s & by next month July it’s open for the public.. so they are a stock broker company, which they also serve MF’s that they have a fund manager managing there MF’s. and I know the minimum investment requirements for MF’s is also 5,000php
hi any insights about img? i have a friend who is a member, im interested in mutual fund investment though im a bit skeptical bout joining them,can you pls enlighten me,big thanks
I think IMG is a company that educates investors not really a mutual fund company.
Mam Fehl,
I just happened to browse through it, your thread was posted by google under my query “Philippine Mutual Funds”. Very informative for me as I intend to invest in stocks and mutual funds very soon. Thank you for the straightforward answers and honest reviews of fund companies
Always a pleasure 🙂
hello! thanks for the great posts and updates regarding mutual funds. can i have some of your thoughts and ideas regarding the performance of Generali Pilipinas. I invested in their VUL and i have no idea on how they are performing in the stock market for they do not have their performance record in their website yet. thanks for your help!
Hi. You can ask your fund manager to provide you latest prospectus and latest performance of the fund you’re involved with. It’s weird why they don’t have that on their site though. Is their site new?
Hi Ms. Fehl,
Would it be wise to invest MF in different institutions? I currently have one in Sun Life and from what i understand on the tabulation above, (correct me if im wrong) there are other institutions that have better returns.
Your thoughts please. Thanks.
Yes, it’s a way of diversification. As the saying goes, don’t just put your eggs in one basket 🙂
Hi Ms Fehl ,
Fan mo na ako. Galing mo Ms.
May kakilala ka bang Fund Manager sa Philequity. Pasok ako sa MF.
Thanks
Thanks. Just contact them thru their site and they will reply right away 🙂
A very helpful site! I’m considering MF investment!
hi po kumuha po ko ng vul sa bdo last year for 5 years , ask ko lang po if na complete ko na yong 5 years pero d ko pa need ang pera pwd po bang hindi ko na muna kunin ang pera at hayaan ko na lang muna sa bdo kahit hindi na ko mag hulog ng monthly tuloy pa rin po ba ang kita non. thanks
Depende yan sa feature and policy ng VUL mo. I suggest you contact teh VUL provider regarding your options
If 23.04% is the average annual return for the past 5 years for Philequity, does that mean a total growth of 115.2% over those 5 years? If so, that would mean an investment of P100,000 would become P215,000? Is that the net profit? If it isn’t, what is deducted from my returns for me to get my net profit? What would be my real profit after those 5 years with a P100,000 investment of 23.04% annual growth? Thank you very your blog has been very informative
Hi, in Equity Mutual Funds, the 1 year return is 26.23%, but the 5 year return is only 23.04%, what does this mean? Does it mean the average growth of the entire 5 years was only 23.04%, or the average growth PER year was 23.04%? I’m a bit confused, sorry, I’m new to mutual funds but I’ve been doing ColFinancial for almost a year now.
Hi, that means that the average annual return of the fund in the last 5 years was 23.04%. The way I see it, it’s (1stYr% + 2ndYr% + 3rdYr% + 4thYr% + 5thYr%)/5 That is still impressive. It’s the average return taken as a whole.
Hi Ms.Fehl,
What can you say about AXA mutual fund?are they good as the other?
Thank you
AXA has investment + insurance and is great for those who need those 2 in one package
hi ms. fehl, saan pnkmgandang mag-open ng account for mutual fund? thanks!
I can mention Philequity, Sun Life, Philam (PAMI), ALFM, FAMI. If you want invetsment with insurance, go for Sun Life, PAMI, Manulife, Pru Life UK
Hi ms. Fhel, ask ko lang po ano mga requirements sa pag open or pag invest ng mutual funds.
Hi, you can go to our post “How to Invest on Mutual Funds and Earn Millions” 🙂 the requirements and procedure are there. God bless!
Hi there meron po b d2 sa singapore im interested in mf. Magkano po sa beginner and the following months? Thanks a lot
Hello ma’am Fehl! Good day..thanks to your site very interesting topic…i want to invest my money but i dont know how to start ..can you give me some advice ? Plano ko po bkasyon this year at invest some of my earnings let say 50k which fund ko po pde eh open? After 2-3 yrs tsaka ko nlang po balikan.Im ofw..Your reply is so much appreciated…thanks and Godbless beyond measure.
Hi, Sands. Please read our Mutual Funds posts here to learn more. Then I’m sure when you get home in the Phil., you’re ready to open one 🙂 God bless!
Question ko lang po. . I dont have any investment and nagrereview ako about it. If i went to mutual fund what its minimum po and is it requires you to deposit monthly or i have my choice if i want it every three months.. and if its possible.. how much nmn po ang minimum deposit.. wala po kc akong work extra income ln sa loading and sa excess ln na sahod ng husband ko.. i hope you responses.. so i can manage early our savings . Thanks
Usually minimum sa Mutua Funds is 5K and if you want to add up, min. is 1K. It depends upon the type of MF you select.
Very helpful site..im planning to start investing.have a bit amount in my savings account but since im working abroad i cannot process it personally..can i have a trusted person to do it for me under her name so that it will start generating instead of waiting..kesa nakatengga yung saving? Then i will transfer it na lang when im back in the philippines? Thank you
Yes, you can do that in the mean time while you’re abroad. If you transfer it on your name though, you need to redeem the funds and open a new account.
Hi Ms. Fehl,
I’m following your treads.
Any advice po sa newly MF na SOLDIVO 2014 ?balak ko rin sana rin mag-invest along with PHIL EQUITY or which one is better?
Here are the details.
Soldivo Strategic Growth Fund, Inc. per share 0.9791
Thank you.
It started on 2013. Let’s wait for a year and let’s see how it goes. I was trying to check out their prospectus but their site was slow to load.
Hi Ms. Fehl! I’m very much interested in getting equity funds such as Philequity. Would you recommend setting-up an account with PEMI directly or though MF company like COL? What are the differences in management fees, sales load, online account management, etc? I’m based in abroad but I regularly travel to Manila so I can use that time in case personal appearance is required in setting-up the accounts.
If I remember it correctly, you also mentioned that it’s advisable to invest directly in stocks rather than MF for someone who’s based overseas? Is so, how do we go about it? I’m so inspired by your blogs and excited to start investing!
Thanks in advance for your feedback. 🙂
Hi, as of now COL didn’t yet officially announced about servicing Mutual Funds so we have to wait. I’m one of those waiting 🙂
I only advised it to people who don’t live here currently since MF companies require appearance, questionnaire and stuff in the assessment unlike with stocks, it’s faster to open. If you want to open COL, I also shared here how I opened mine without going to COL. Just browse on our STOCKS tab above. Cheers!
Good day Mam!
Am thinking of switching my kids savings account to either a UITF or. MF. But I can only start at 10k for each of them. (I have 3 kids, ages 15,14 and 9).
I intend to deposit a bit regularly for each, howmich do you think should I add and how often so the earnings can be Maximized?
Thanks for your response. It’s only now that I’m thinking of investing after your posts, hope I am not too late to do so.
Hi. Balanced Funds could suit your kids savings since equities are very risky and your funds are for your kids. You can add 4K or above to each fund monthly. What is important you do it regularly. 🙂
hi mam Fehl, makasingit na po, meron po ba sa bank n balance fund for kids? which bank po kaya? and how much minimum for initial? and un mutual fund po sa bpi kasi nkapg inquire n ako s knila pero medyo d p clear ksi di po consultant un nakausap ko. magkanu po ba ang addition nya monthly? and required po ba mag hulog monthly?
Hi, if you wnat Balanced Funds sa bank, you can open UITF Balanced Fund as an alternative to MF balanced fund. Go for BDO UITF or PNB UITF.
Hi maam fehl. Sa Totoo Po wla po Akong masyadong alam Bout Mutual Funds Yet.binabasa ko lang Yung Articles And mga Comments.medyo Naka Kuha Rin Ng Kunting Idea.
Maam May Ma I. Sa suggest ka ba na BANk mas ng Top Sa Investing? I Hope Tama Yung Tanong Ko.
May Bank Kami Dito Sa Bulacan.BDO,BPI & METROBANK na Mas Malapit.saan kaya Ito Sa 3 mas Ok?
Wait Ko Po Rply mu.
Hi Bel. Yes, BDO, BPI, Metrobank have invetsment products. They are very reliable and profitable. If you go to BPI, ask for their ALFM Funds (Mutual Funds), UITF, if you go to Metrobank, ask for their UITF and First Metro Asset Management Mutual Funds. In BDO, you can also ask for their UITF and latest investments.
Hi mam Fehl anu po masasabi nyo po sa money secure plus ng genarali pilipinas na offer po ng bdo salamat po ulet
It’s good for retirement coz it’s variable life insurance and endowment plan
Thank you very much for the immediate and direct response, Ms. Fehl! More power to you. 🙂
Hi mam Fehl gusto ko po sana mag invest sa mutual fund ang tanong ko lang ko kapag nag invest po ko kelangan din po ba kumuha ng life insurance o pede po ba na hindi salamat po
You can get a mutual fund without insurance, yes 🙂 If you don’t have any insurance yet, VUL is advisable coz it’s Mutual Fund tied with some insurance benefits of your choice
mam fehl, matanong ko lng po..halimbwnng nagpply nko for mutual funds..db sbi mo may mga fund managers na tntwg na cla ung mgmmnage ng ininvest mo, so mgkno nmn po ung ibbwas nla oh ung pursyento nla blng fund managers, hlmbwng nag earn kana ng profits mo..pti ba sa dividends mu may mkkuha dn cla? tnx po
Hi. It depends upon the fund you will put. MF companies have front-end load charges. Example 2% sales charge for a fund less than 100K, 1.5% for 100K > 1 Million and so on. Earnings on Mutual Funds are already on Net amounts since shares are reflected on NAVPS already.
Hi Ms. Fehl,
What is the best mutual fund with insurance would you suggest po and available din po ba itong type ng MF sa COL?
I am actually interested to invest in Philequity pero since wala po akong insurance, i am now thinking of investing in a mutual fund tied with insurance. What do you suggest po?
Thank you very much.
Mutual Funds in COL don’t have insurance. If you want a mutual fund + insurance, I suggest open directly at a mutual fund company.
Thanks Ms. Fehl! Actually I am an OFW. I was employed here in Macau thru direct hiring, thus unofficial. I just registered thru Pag-ibig’s online service and my main purpose is to have savings that has this dividends thingy where I can contribute a minimum of 200 until 2000 and by age 60 or 65 I can already withdraw it, as how I understood it. Thanks, Ms. Fehl!
Yes, even OFWs are also required to have Pagibig (HDMF) membership like SSS and Philhealth. 🙂 I think with Pagibig, you can withdraw your funds even if you’re not yet 60 as long as you have completed 15 years of contributions. Earlier years, it was even 10 year-requirement but recent years, they made that 15 years.
Hi Ms. Fehl! What can you say about Pag-ibig HDMF? Is it good too?
Thanks.
It’s good coz it’s mandatory to all employees in the country and it is supported by the government. It focuses on the benefits for Housing Development. Since it’s mandatory for all employees, it’s not only good but also a must have 🙂
Im interested to invest in mutual fund..but im afraid that my money gone for nothing..is there any chance that the money i will invest in mutual funds is mababawasan? Or i walang return on investment?
Yes, there is a chance that you will lose some of your money because Mutual Funds are not savings account. They are not fixed. They are invested to different funds and other investment to earn money but sometimes there are risks so you’ll lose some. If you don’t want risks, you won’t earn so much. From experience, profit is always achieved than loss. 🙂
Thank u maam fehl..how much is the minimum amount to start for it? And how can i apply if im in abroad..is there an age limit for the investor? Im 23 now..Your thoughts really inspire me more to invest..although im afraid for it..but i love taking risk..taking risk is to learn nman po dba?
Hi, Yen. The usual minimum amount to start for mutual funds here is 10K but of course the more you purchase shares, the more profit you get. MF companies requires personal appearance. If you live abroad, you can also invest and earn more than what you can get from Mutual Funds by investing in the stock market directly coz you can open account even if you live abroad. To learn more, read our STOCKS Tab above. It contains easy guides 🙂
Hi po! Pasingit lang po ako. Actually, nagopen po ko sa Philequity Yield Dividend Funds, pero hindi naman po kinailangan ng physical appearance. Nagskype interview lang po para sa verification of identity.
I mentioned that in some of the comments regarding Philequity
hello sir/ma’am. I’m interested to invest for mutual fund I’m here in Uae how can I apply…please respond for feedback thanks
Hi Fehl. can you give your insights about Col offering MFs. I have read in a blog that they will waive the sales load.. ty
No official announcement yet from COL so any news about it are not confirmations
Hi, I am interested into opening an investment account. I am willing to invest money for long term period pero gusto ko po sana muna matry and maprove na mas maggrow ang money pag ininvest kaysa iistock lang sa ATM/Time deposits. Ano po kayang investment ang pwede ko iopen?
Possible din po ba sa investments(opening mutual funds, etc.) yung pwede mo kunin ung interest let us say yearly, yung para bang di mo gagalawin capital mo, kukunin mo lang yung interest na kinikita per year, para lang may yearly ka makukuha?
Hope you can enlighten me.
Yes, BDO Easy Redemption Plan is an investment product wherein you can redeem or cash out from your investment monthly or at your scheduled period. Cash out is automatically credited to your chosen CA/SA
How about ung equity funds po na usapan. Ok po ba sa Sun Life? Since wala po me time to monitor and no experience at all sa stock markets? Nabasa ko lang kasi ung sa “sales load”, Sun Life lang po ba yung nag offer ng back end? Yung may chance na wala kang babayarang extra fees aside sa cash lang na iiinvest mo?
Hi. Mutual Funds have front-end or back-end load options. If you let your funds stay for 5 years or more, they remove the back-end fees. Sa mga managed investment naman talaga may babayaran at bayaran ka kasi they are managed by fund professionals.
Thank you po! 🙂
hi. i dont understand the graphs/tables. are the percetanges the increase/decrease from the time a particular fund started?
Hi. Im interested in opening a mutual fund specifically equity fund but im here in doha. Can i do it online? Please help i really want to invest as early as possible. TIA 🙂
Hi Ms. Fehl
Thank you for this article. I hope you also have Best UITFS for 2015 (or hindi nyo po talaga recommended ang UITFS? marami po kasi kayo article about mutual funds). I happen to have invested in BPI’s premium bond fund just now (January 2015) and I am also planninq to invest to MF also later this month (That Equity Fund is my target). I wanted to know more about investments.
I made it already. I will post it this week the one for UITF 🙂
Wow thank you Ms. Fehl.
Hi Ms. Fehl,
If I am a beginner in equity mutual funds, should I invest in those top mutual funds companies (i.e. ATR Kim Eng, Philequity) or to the household name mutual fund companies like Sun Life and Philam? Thank you in advance!
Hi Ava. Happy to see you here. Well you should invest according to your goal and plan. Philequity has been the top for many years now, impressive erformance. Sun Life and Philam are great, too and have easy online accessibility
Philequity Mutual Fund seems to earn the most but i am thinking of a way to invest but I searched the internet and found out that it has no agent here in Baguio City where I can invest.
You can open Philequity by email/online. They interview via Skype. If your account has been opened, funding can be done thru major banks no problem.
Hi,i have savings acct at BDO i’m wondering to invest on mutual fund..can you give me some advice about this?
BDO has no mutual funds. They have UITFs though, you can check them out to decide which UITF suits your plan and status. God bless!
i saw even last year that philequity fund is good but is it okay to open mutual funds in the bank? which is better? also how can I open at philequity fund? please help. tnx
You can open Philequity Fund by going to their office or contacting them via their website if you prefer online.
Hi mam Fehl, you have mentioned that we can open a PhilEquity thru online but Im wondering why there is a skype interview. Could you explain more about this part ? TIA.
Hi. Yes, I tried to open an account with Philequity before and they replied the instructions on what to do. That includes the Skype thing. Since Mutual Funds companies require personal appearance, Skype interview is also big convenience when you want to do the stuff online. When you open MF, you need to answer questionnaire, forms etc. so you can be assessed better what types of funds suitable for you. You need to talk to your Fund Manager about the investment you are getting into, thus it really needs a “TALK”
Good day !
Hello Ms fhel gusto ko po sana humingi ng advice Kung ano po ang the best na MF para Sa beginner na parehas ko, I’m very thankful na I read your articles talaga coz it enlightens me on investing. I like long term investment po ms fhel but if short term po, what’s the best po..?
Best Regards
Hi. It depends upon your risk tolerance and goal. For short term investments, suitable ang Money Market Funds. For 1 year or so suitable ang Bond or Balanced Funds. For 3 years or so naman ok ang Equity Funds