Best Mutual Funds in the Philippines in 2020

Want to invest and grow your income this 2020? The following are the best Mutual Funds in the Philippines in 2020. We have completed the list and wrote them down per fund classification – equity fund, balanced fund, bond fund and money market fund.

What are Mutual Funds?

Mutual funds are pooled investments managed by professionals and financial experts. These pooled funds are invested in different types of 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.

Why should you invest in mutual funds?

  • To earn and gain profit, lots of it, if you put investments on Equity Funds.
  • You don’t need financial expertise to manage MF because these investments have already professional and excellent fund managers who will do the technical tasks for you.
  • To beat yearly inflation. Prices increase every now and then but people’s regular income barely rise up. We have to invest our extra funds and venture income-generating business as well.
  • These investments can also aid you a very rewarding retirement by investing for long term.

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.

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 in an effort to encourage more Filipinos to save and invest money.

best mutual funds philippines 2020

Different Kinds of Mutual Funds Available in 2020

The following are the different kinds of Mutual Funds available in the Philippines right now. Always remember, the higher the risk, the higher the profit, earnings and returns.

I classified them according to type of investor, risk, and goal.

Mutual FundInvestorRiskGoal
Money Market FundConservativeLow3 - 6 months
Bond FundModerately ConservativeModerate1 year
Balanced FundIn-between Conservative and AggressiveBalanced1 - 3 years
Equity FundAggressiveHigh3 years or more

Best Mutual Funds in the Philippines in 2020

If you are already eyeing for the best investments under this kind, here are the latest data of their performance at the start of the year. Early bird catches the yummy worm. These are the top funds that performed well that gave out higher earnings. And as usual, I will update again in the coming months and next quarter.

Top 12 Best Equity Funds in 2020:

NAVPS Performance are as of January 3, 2020.

Mutual Fund1-Year Return3-Year Return5-Year Return
Sun Life Prosperity World Voyager Fund22.24%9.89%n/a
ATRAM AsiaPlus Equity fund10.93%7.55%0.88%
First Metro Phil. Equity Exchange Traded Fund4.30%5.16%2.35%
Philequity PSE Index Fund
4.04%
4.53%
1.45%
Philippine Stock Index Fund
3.96%
4.44%1.39%
Sun Life Prosperity Philippine Stock Index Fund3.58%4.23%n/a
United Fund3.25%5.43%2.20%
PAMI Equity Index Fund2.94%3.83%n/a
Philam Strategic Growth Fund
2.44%
2.52%
-0.46%
Sun Life Prosperity Philippine Equity Fund
2.34%
3.64%0.40%
Philequity Fund
2.22%
4.06%
0.20%
Philequity Dividend Yield Fund1.30%3.10%0.27%

Top 7 Best Balanced Funds in 2020:

Mutual Fund1-Year Return
3-Year Return
5-Year Return
PAMI Horizon Fund
8.88%
2.43%0.21%
Philam Fund
7.28%2.35%0.13%
NCM Mutual Fund of the Philippines
5.99%
3.20%0.96%
Sun Life Prosperity Balanced Fund
4.97%
3.24%0.43%
Sun Life Prosperity Dynamic Fund4.73%2.61%-0.64%
First Metro Save and Learn Balanced Fund
2.72%
2.65%-1.34%
Solidaritas Fund1.88%1.99%0.79%

Top 9 Best Bond Funds in 2020:

Mutual Fund1-Year Return
3-Year Return
5-Year Return
Philam Bond Fund
15.89%2.66%1.71%
Sun Life Prosperity Bond Fund
11.16%
4.59%2.63%
Sun Life Prosperity GS Fund
10.40%4.12%2.10%
Soldivo Bond Fund
7.97%
1.51%n/a
Philequity Peso Bond Fund
7.59%
2.93%1.47%
First Metro Save and Learn Fixed Income Fund
6.75%2.26%1.51%
Cocolife Fixed Income Fund
4.80%5.21%5.19%
Ekklesia Mutual Fund4.41%2.25%1.97%
ALFM Peso Bond Fund
4.21%2.77%2.31%

Top 3 Money Market Funds in 2020:

Mutual Fund1-Year Return
3-Year Return
5-Year Return
Philam Managed Income Fund6.94%3.06%1.71%
ALFM Money Market Fund4.09%2.87%2.18%
Sun Life Prosperity Money Market Fund3.74%2.89%2.37%

If you are into investments, I’m sure you are diversifying by having more paper assets while you invest in other assets like real estate, real properties, businesses and passive-income investment wheels.

Mutual Funds are just one of the many investments you can cling on to have financial abundance. There are also other rewarding paper investments like UITF, ETFs, and stocks. Invest now according to your risk appetite and plan.

Disclaimer: Investments in Mutual Funds have risks. Historical performance doesn’t guarantee future performance.

Other Investment Guides:

About Fehl Dungo

Licensed Career Service Professional, trusted Fund Manager, Founder of Philpad and published author of poetry book at Barnes&Noble.

223 thoughts on “Best Mutual Funds in the Philippines in 2020”

  1. 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.

    Reply
  2. 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.

    Reply
  3. 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.

    Reply
    • 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

      Reply
  4. Hi there!

    Very useful post! By the way, are you using cumulative return on the 5-year return or is this CAGR?

    Thanks!

    Reply
  5. 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

    Reply
    • 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

      Reply
  6. 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

    Reply
    • 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.

      Reply
  7. Excited to try Philequity PSE index fund. Mghinay2 lang ako like 3k a month for a year, tingnan ko kung kaya! 😀 Thanks, Fehl.

    Reply
  8. 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 ?

    Reply
    • 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!

      Reply
  9. 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.

    Reply
  10. 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!

    Reply
    • 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

      Reply
      • 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 .

        Reply
  11. 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.

    Reply
    • 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!

      Reply
      • 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

        Reply
  12. 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!

    Reply
    • 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

      Reply
  13. 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?

    Reply
  14. 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!

    Reply
  15. Hi Fehl, Is there a chance you can review Soldivo funds. Thinking of investing here but sales load and management fees are high.

    Reply
  16. 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.

    Reply
    • 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

      Reply
  17. 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).

    Reply
  18. 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,

    Reply
  19. 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

    Reply
  20. 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?

    Reply
  21. 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

    Reply
  22. 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.

    Reply
  23. 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!!

    Reply
  24. 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?

    Reply
  25. 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

    Reply
    • 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.

      Reply
  26. 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

    Reply
  27. 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

    Reply
    • 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.

      Reply
  28. 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!

    Reply
    • 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.

      Reply
  29. 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

    Reply
  30. 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

    Reply
  31. 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!

    Reply
  32. 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.

    Reply
  33. 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…

    Reply
  34. 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!

    Reply
  35. 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!

    Reply
    • 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.

      Reply
  36. 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.

    Reply
  37. 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.

    Reply
  38. 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

    Reply
  39. 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

    Reply
  40. 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

    Reply
  41. 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

    Reply
    • 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!

      Reply
      • 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

        Reply
  42. 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

    Reply
  43. 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??

    Reply
  44. 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?

    Reply
  45. 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..

    Reply
  46. 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.

    Reply
  47. 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.

    Reply
  48. 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

    Reply
      • 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

        Reply
        • 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.

          Reply
  49. 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!

    Reply
  50. 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?

    Reply
  51. 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!

    Reply
    • 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

      Reply
  52. 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..

    Reply
  53. 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.

    Reply
    • 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!

      Reply
        • Depende po yan sa decision nyo. Before you open a mutual fund, consider your risk tolerance, your financial status and your goal.

          Reply
  54. 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

    Reply
    • 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

      Reply
  55. 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

    Reply
    • 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.

      Reply
  56. 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.

    Reply
    • 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

      Reply
  57. 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

    Reply
  58. 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..

    Reply
    • 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.

      Reply
  59. 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!

    Reply
  60. 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.

    Reply
  61. 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

    Reply
      • 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

        Reply
  62. 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

    Reply
  63. 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

    Reply
  64. 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!

    Reply
    • 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?

      Reply
  65. 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.

    Reply
  66. Hi Ms Fehl ,
    Fan mo na ako. Galing mo Ms.
    May kakilala ka bang Fund Manager sa Philequity. Pasok ako sa MF.

    Thanks

    Reply
  67. 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

    Reply
  68. 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

    Reply
  69. 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.

    Reply
    • 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.

      Reply
  70. 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.

    Reply
    • 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!

      Reply
  71. 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

    Reply
  72. 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

    Reply
    • 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.

      Reply
  73. 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.

    Reply
    • 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.

      Reply
  74. 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. 🙂

    Reply
    • 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!

      Reply
  75. 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.

    Reply
    • 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. 🙂

      Reply
      • 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?

        Reply
        • 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.

          Reply
  76. 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.

    Reply
    • 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.

      Reply
  77. 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

    Reply
    • 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

      Reply
      • 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

        Reply
        • 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.

          Reply
      • 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.

        Reply
        • Mutual Funds in COL don’t have insurance. If you want a mutual fund + insurance, I suggest open directly at a mutual fund company.

          Reply
  78. 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!

    Reply
    • 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.

      Reply
    • 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 🙂

      Reply
  79. 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?

    Reply
    • 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. 🙂

      Reply
      • 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?

        Reply
        • 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 🙂

          Reply
          • 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.

  80. 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

    Reply
  81. 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.

    Reply
    • 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

      Reply
      • 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?

        Reply
        • 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.

          Reply
  82. 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 🙂

    Reply
  83. 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.

    Reply
  84. 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!

    Reply
    • 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

      Reply
  85. 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.

    Reply
    • 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.

      Reply
          • 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

      • 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.

        Reply
        • 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”

          Reply
          • 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

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