How to Invest Mutual Funds in the Philippines – Make Money, Make Millions

Everything you need to know on how to invest mutual funds in the Philippines and making money and making millions from it are shared in this special page. I consider this as Mutual Funds 101 too as I shared many tips and important concepts about this kind of wealth building. So if you are a beginner, you’ll surely learn from this thread.

What is mutual fund? Why rich and smart people have mutual funds and why you too should open one? What’s the difference between mutual fund and UITF? How much money you need to start opening a mutual fund? What are the best mutual fund companies to invest with? Is your fund insured in the PDIC just like savings account? Those are just some of the questions we are going to answer here so read on.

What you need before investing in a Mutual Fund

  • Knowledge – you’re lucky because you learn the basic knowledge and concept of Mutual Fund 101 here aside from getting to know your Fund so continue reading.
  • Time – every investor must have his/her target time or goal for the fund’s life
  • Money – of course you must have the fund in order to earn some more

What is Mutual Fund?

As always I like making things short but concise so I had the definition summed up for you.

-it is a type of investment wherein you join other investors and corporations to form a massive fund which will be handled by an expert/professional who is called fund manager for diversified portfolios of stocks, bonds, securities, money markets and other mutual funds.

how to invest mutual fund philippines

Things are mutual just like a budding love and relationship. Are you familiar with MU (a.k.a. Mutual Understanding?) After you get to know each other and fell in love with MF, you still need to get to know MF and trust MF. Since you have a mutual bond, when the fund incurred loss, you incur loss too and when it incurred profit, you incur profit. Either way, you still invest.

mutual fund tips philippines

A Mutual Fund is like riding a bike with your lover. He drives and you just hug him as you journey along… You are going somewhere and obviously you just let him drive till you both reached the destination. Like a Mutual Fund, you let the Fund Manager drive his way and execute strategies to make your fund grow and maximize earning potential until you reap profit on your target period.

That’s not all you need to know yet. You need to know which way you’re going…Know the types of MF.

Different Types of Mutual Funds in the Philippines

Before you open an account, you need to know what kind of account suits you. Their classifications are:

Money Market Funds – are invested in short-term (one year or less) debt instruments, fixed income securities, special savings and short-term bonds. These types of funds are suitable for low-risk taking investors and individuals who are looking for profit and higher returns than savings and time deposits.

Bond Funds – are invested in medium to long-term debt instruments, fixed income securities and government and corporations bonds (1 year or more). These types of funds are suitable for risk-tolerant investors who are looking for higher yields and returns.

Balanced Funds – are invested in equity securities and some fixed income securities in other words, a combination of debt instruments and shares of stocks of Philippine companies. These funds are suitable for risk-taking individuals who are aware of stock market investment and their possible profit and gains.

Equity Funds – are invested purely on shares of stocks in the Philippine stock market and are suitable for aggressive and risk-taking investors who understand the stock market and possible capital appreciation.

types if mutual funds in the philippines
CC BY Alan O Rourke

Apparently, the higher the risk, the higher the return or profit.

3 Factors in Choosing Mutual Funds

Which Type of Mutual Fund suits you? There are three things to consider before deciding which type of MF you will choose to open and invest.

  • Your Risk tolerance – are you an aggressive or conservative type of investor? How would you take the risk, to what extent and level in order to reach your earning potential? Remember, there’s always risk attached to investing and there’s no guarantee you’ll gain or lose.
  • Your Financial goal – why and how are you investing? Are you investing half of your regular salary or investing a million pesos you have made recently? Are you expecting capital preservation or you’re expecting money growth for future retirement? How long would you like to maintain it and when is your target time to redeem the fund.
  • Your Time – How long would you like to put your fund? This is simply about your time horizon in investing until redeeming. If you have a target profit, you also have a target time.

How to open Mutual Fund account in the Philippines?

How to open mutual fund account in the Philippines? Before anything else, the investor is given an assessment by answering a form usually called Investor Profile Questionnaire. From the result or score, he could know what type of investor he is (conservative, moderate, aggressive) and he could also choose what type of MF is suitable for him.

The Mutual Fund licensed representative or adviser is usually the one who will assist an investor in opening an account and choosing an account appropriate for him. They would tell the investor everything they need to know and tackle about the investment they are getting into. They would also advise and give recommendations as to what type of mutual fund suitable for their financial status and goal. It’s important to read and understand the fund’s prospectus before you start your investment.

When the investor finally decided, he can open his account just by submitting the requirements.

Investing in Mutual Funds Requirements

It’s generally just like opening a bank account. The investor is usually asked to submit valid IDs, recent photo and required to fill up some forms for bank profile and personal information, signature card and some forms for the assessment of client and account suitability. After everything have signed, settled and dusted, the client will be given a document confirming his mutual fund account.

How much profit would you earn in a mutual fund?

Some gain higher returns, some get thousands while others millions. It really depends upon the fund invested, the period it is invested and the performance of the fund. Income or losses are computed via NAVPS (Net Asset Value Per Share) from the time you opened your account to the time you closed or redeem. Apparently, the higher the investment and the longer it is invested, the higher the return or profit. So I recommend investing in long term.

I also recommend checking the past performances of the mutual funds so you know which one performs better. You can ask your mutual fund adviser for a copy or just check them at Bloomberg.com or the Mutual Fund company’s website. You must know the name of the Fund before you can check it online.

Computation of Mutual Fund Income or Loss

In order to learn about how to invest mutual funds in the Philippines, you need to know how to compute mutual fund income or loss? Like I said it is based from the NAVPS, the day you got it and the redemption date. Sample computation below assuming you bought 100,000 shares from the best mutual fund company in the Philippines for P100,000 and you plan to redeem it after 3 years.

Date of PurchaseNAVPSAmount (P)Income or Loss
June 20131.00100,000n/a
June 20140.8080,000-20,000
June 20151.30130,00030,000
June 20162.00200,000100,000

Are you deducted for taxes when you withdraw your mutual fund?

If you earned gains at the redemption, usually there’s no need for withholding tax since the amounts are net (net asset value) already. Now that is good news.

Is Mutual Fund Insured in the PDIC?

Since this is not a deposit or savings account, your funds are not insured in the PDIC (Philippine Deposit Insurance Corporation). Investing is far different from savings. It’s risky yet the returns are much higher especially if the fund performed well. You may not have that insurance in having a mutual fund yet you could maximize your earnings more likely since mutual fund managers are experts and are equipped in executing the best strategies to make the fund grow continuously and flexible.

They choose the financial instrument they deal with and choose the blue-chip companies to participate with. Want to know about these strategies and stats of your fund? Check or view your mutual fund performance reports.

Why rich and smart people have mutual funds and why you must open one?

Mutual funds are not new to wealthy people as they have many and different financial wheels that drive their money wagon. If you are smart and wise, you too must have one or some already. I’m not gonna discuss about rich and smart people here as I’m just a commoner. And that’s no excuse to have a mutual fund too. I decided to have some mutual funds to diversify my money.

I mean, wouldn’t it be amazing if you let your money work for you instead of you working for more money?”

Think about it. If you just rely on savings and your SSS or GSIS, it won’t be that much. Why can’t you settle a special amount every month for another money wheel so at some time or point in your life, you have 10 million or more. Time is ticking and time is money. Start your investment now. Start by knowing the best mutual fund companies in the Philippines.

What’s the difference between Mutual Fund and UITF?

Yeah I know lots of folk ask this question and I’m gonna share their most differences here. You can also check out  my post about Mutual Funds vs UITF in the Philippines in a separate page. They are almost the same as both are pooled investment, managed by fund managers and their types (money market, bond, balanced etc) are usually the same too.

However, in mutual funds, the investor buys shares while in UITF, he buys units. Thus in MF, they report NAVPS while in UITF it’s in NAVPU. UITF are offered in banks here like BDO, Metrobank, BPI and the likes while MF are offered by companies like Sun Life, Philam Asset Management Inc. and many more. UITF and mutual funds also differ in redemption fees.

Bottom line, your concern is always the return so it’s important to learn and check their past performance before you open an account. Start a relationship – get to know a mutual fund and let a mutual fund company get to know you.

To know more, read about Mutual Funds vs UITF and their Similarities, Differences, Advantages and Disadvantages.

My own quote for today:

Wouldn’t it be amazing if you let your money work for you instead of you working for more money?” – Fehl Dungo

Now, you learned about how to invest mutual funds in the Philippines. Share you investment strategies and insights in the comments below. See you soon and thanks for reading!

About Fehl Dungo

Licensed Career Service Professional, tech investor, founder of Philpad, and published author of a poetry book at Barnes&Noble.

294 thoughts on “How to Invest Mutual Funds in the Philippines – Make Money, Make Millions”

  1. Hi, i just wanted to ask po. Gusto ko rin kasi mag invest sa Mutual Funds or UITF. aside from SSS. For ex, i already have P10,000, Paano po yung monthly, kailangan po ba maghulog lagi ng P1,000 every month? Or ok lang po kahit minsan hindi? Or ano po ba yung mas malaki ang kikitain sa MF or UITF? Alin po ang mas ok? Thanks.

    Reply
  2. Hi ms Fehl what would u recommend or any specific name of the comp to start around 50k for a MF? Idont really have a knowledge regarding investment i just thought i need to put d fund somewhere to make something at least. D longer term d better right?

    Reply
  3. Hi!
    I am planning to invest. First I went to a bank and inquired about VUL. After a little product orientation and presentation I was a bit impressed. However, lately as I research regarding mutual fund, I think the latter is more appealing investment than the former as for me. Now for you investors out here especially to the author, which do you think is the ideal investment among the two? I want to hear you opinions. Im looking forward for your credible and enlightening answers and advise as I want to start to invest now. Thank you so much. More power!!

    Reply
  4. Dear Fehl:

    Some over two years ago I decided to redeem the cash in my BPI Alfm Philippine Stock Index Fund, and put it all in the new BPI Philippine High Dividend Equity Fund, because the dividend fund was on my observation then doing better than the stock index fund.

    After a few weeks the tide turned against the dividend equity fund, and from that point onward the stock index fund has been doing better than the dividend equity fund, up to the present – although the dividend equity fund makes money also.

    I have decided to just continue with the dividend equity fund because it is making money, though not as much as the stock index fund; and I tell myself that one day the tide will turn against the stock index fund, and my present dividend equity fund will resume making more money.

    When do you think if at all, will the dividend equity fund re-outstrip the stock index fund?

    Just the same though, I also tell myself that when things are going well with a fund, take extra care to not switch to another fund because this new kid in the block appears to be growing big and quick.

    Reply
  5. Hello po Fehl,

    Ako po si Audie, I need help po, ang MF po bah ay may fix date after a term kung kailan muna withdraw ang pera? or baka after 3-5 years and NAVPS ay mababa? pano po kikita ?

    Reply
    • Hi, there is usually no fixed redemption date sa Mutual Fund. Ikaw masusunod when mo ireredempt ang funds mo 🙂 That is why you should have a PLAN and GOAL (objective) 🙂

      Reply
  6. A lot of Thanks to this blog! Actually avid reader na ako ng blog na ito since my college days then until nakarating na ako dito sa Riyadh Saudi Arabia still reader pa din ako..especially sa stocks topic ?

    Reply
  7. Hi Felh, I enjoy ready philpad. very informative, i read em everyday. all the questions and all your answers. I have read them several times repeatedly and pick up information i missed out last time. Any ways, In my case i am a late bloomer and will start from scratch again and dont mind the mystery of investing. I dont have savings, i dont have a house, a car etc, All the stuff i used to have. I just started a small business. I will also work part time.

    My questions is Should I save for emergency in a bank 6 months of my monthly salary then start my investments. It will take me 5 months to do that.

    Reply
  8. Hi! Ms.Fhel,

    Good Day!

    Sorry for my late response,i plan to visit your office during my vacation this coming April so that i can start to invest in mutual fund, may i ask your complete address,email add and contact number please…thanks!

    Reply
  9. Hi ms.Fhel, ask ko lng po yung sa COCOLIFE po ba na insurance eh fall under mutual fund? ska pano po ako mguumpisa to have my MF account? di ko po kasi tlga alam kng pano ako mguumpisa?

    Reply
  10. Hi Ms. Fhel. Im not earning too much, having a minimum wage of 300 per day. 1000 is the maximum amount that I can. I am very much willing to to invest monthly. Is it possible? Please help me. Thank you.

    Reply
  11. Hello Ms. Fehl, I am planning to invest in mutual funds. Most of the investment companies, 5, 000 ang starting. Required po ba ako mag-add ng 1,000 every month? Thank you.

    Reply
    • Hi, it is not required, the 1000 is only the minimum amount if you want to add funds to your account. I recommend adding monthly funds to earn more money because if you just stay on the 5K for a long time, you will not earn so much

      Reply
    • 1. Mutual Funds have higher income potential while savings accounts have very low interest income.
      2. Mutual Funds are managed by financial experts/professionals to perform well while savings are managed by you (the client) as savings only rely on fixed interest rates
      3. Mutual Funds are investments (meaning they can be both savings and investment too) while savings account are just savings/ IPON and no more potential than that

      Reply
  12. I need someone to guide me how i can avail a mutual fund investments in the philippines. You can direct me thru my email. Thank you

    Reply
  13. Hi,

    I am also interested in this kind of venture but problem is i don’t know how to start. What is the minimum amount I can invest?

    Thanks

    Reply
  14. miss Fehl is it ok to invest in Philam life? pls help to contact someone to whom i can inquire about sunlife mutual fund. thank you so much and pls help me.

    Reply
  15. Will this also help us to get licensed from SEC? I know they now have a separate certifications for VUL products. I used to be a broker for real estate and examples of the offices I sell are will there be any conflict?

    Reply
  16. Hi fehl what if nag invest na for example sa MF that means kailngan mo magadd every month tama ba or kahit hindi ka mag add every month?

    Reply
    • Hi, let me help po. Pwd nmn na Hindi mag add depende po if you want quarterly, semi annually or annually.very important lang po, u know your objective and u know ur target. Of course advisable pa din mag peso cost averaging kayo. Hope this help. Contact me if u need help.

      PS. To the owner of this blog. This is very informative po…hope OK LNG na nkikisawsaw ako.:) Asking your approval please…if not you have the all power not to approve my comment. 🙂 🙂 🙂 Thank you so much.

      Reply
  17. Good day! If I invest in the BPI mutual funds how much would I add after giving 5000 thousand pesos as initial do I add it every month, quarter or yearly of how much?

    Reply
  18. Hi Ms Fehl,

    I just want to clarify. So it’s possible that we can use EIP for BDO Equity Fund to automatically deduct our contribution / investment to add more funds. Why did the person I spoke to (Teller/Trust Person Dept in BDO) said that the minimum additional investment is 10k for Equity Fund where we can set up periodical placement for preferred cut off.

    I am hoping that this will be confirmed. Thanks Ms. Fehl and more powers.

    Reply
  19. Hello Ms. Fehl! Thank you for sharing your knowledge and experiences in investing. This article has been truly helpful and I would love to learn more. I need your help po. I am planning to invest my savings in these companies:

    1. Mutual Funds in Sun Life (I’ve read in the comment section that’s the leading MF company here in the Philippines.)

    Goal: Short term, 3-5 years.

    I am full-time single mom, I work partime and I am saving up for my son’s education and a home for us. I only have savings in my ATM. I need your advice and recommendation on how I can invest wisely. What would be the best way to start po? Would it be advisable to invest half of my savings in MF? (Let’s say I have 50k and I want to invest 25k for 3-5years) Then add more every now and then, when I can. Because I am also very serious about investing in stocks in COL Financial.

    2. Stocks in COL Easy Investment Program
    Goal: Long term. 15-20 years.

    I’ve attended their seminar & I am familiar with the stock market and Peso Cost Averaging. Aside from COL financial, is there a company you would recommend for investing stocks long term po? My plan is to invest 5k every month for my me and my son. I understand that time is money (the earlier I start, the more money I save over the years) and that consistency is the key to investing successfully. But I don’t want to just invest in one company po. Although the long term benefits are ideal, I wouldn’t want to “withdraw” my money from the stocks in case of an emergency… Which is why I also think that investing short term in MF would be beneficial to my situation.

    3. MF + STOCKS + UITFS
    Aside from MF And stocks, I am also planning to invest in UITFS. But I have yet to learn about it… What company would you recommend po if I need to invest my money for 1 year or less for emergencies?

    Before investing in the companies, I would also really love to explain with them my situation and goals. Would that be possible po? 🙂

    Thank you again Ms. Fehl. I’m looking forward to hearing from you. Take care.

    Reply
    • Hi Mommy. Thanks for visiting and I salute you for being a single mom. 🙂 I’m flattered to be asked of any advice
      1. Have a stable money fuel – it could be a business you love doing or apartment rentals or making your part time job permanent
      2. Start with MF and UITF before STOCKS – because MF and UITFs are managed already so you will be able to focus on learning about stocks more after few months of dealing with MF and UITFs. MF and UITFs are also mixed with fixed income instruments although little at least they add up earnings.
      3. Keep your MF and UITFs until your plan of 3-5 years.
      4. Once you’re ready with stocks mentally, financially and objectively, go for it.

      Good luck!

      Reply
  20. Hi. I am very eager to learn how mutual funds work. Thanks for the information above. I’m a beginner. I’m planning to invest in mutual funds but before that i need to learn how this works. I’ve seen a consolidated fact sheet for mutual funds and i don’t know how to read it. Its not possible to post a picture here. So if possible, can you help me? Thank you so much.

    Reply
  21. Hi Ms Fehl. I am very much interested in investing. However, I dont know where to start and how. I do not have much idea about UITF and mutual funds. I am looking for ways to invest and make my money grow. For a newbie like me, should I choose UITF or MF? What can you advise? What company should I choose to invest? What is the minimum amount that I could invest (where) and how much profit can I get say 1 year of investment. Thanks.

    Reply
    • Hi Andy , yung VUL yata nila ( generali Phil- bdo) , kinuha mo kasi may ganyan ako generali Phil peso aggressive fund which is 100k yearly for 5 years.

      Reply
  22. Hi Ms. Fehl!

    Can i get your advise? Is it advisable for us interested investors to start this time even were in nearly to change a new leader? is this will affect?

    Thanks

    Reply
  23. I’ve read a number of times that during the pre-election period, the market is bullish. Perhaps it is a good time to sell. But, IS IT A GOOD TIME TO BUY/INVEST WHEN THE MARKET IS BULLISH? or should I just wait till elections are over and the market settles down again? I just want to know if I should hold on to my money now and wait till next year.

    Reply
  24. Good day,

    I have read your blog including the comments on almost all of your posts. I just want to ask if there is a way to invest a certain amount of money eg. 500k to 999k pesos. And withdraw your monthly earnings or interest from that investment. If there is a maturity before earning. How long does it take.
    Thank you in advance.

    Reply
    • Yes, there are some investment products like that. One I know is BDO Easy Redemption Plan. I will make a review about it here soon.

      Reply
      • Good day Fehl,
        My agent advised me to diversify my investment through one of PHILAM’s mutual fund investment. I chose to invest 160k / year up to 10 years. As it will serve as my retirement fund. This comes with a life insurance of 1-2 M. Which is a good plus for me as I am the breadwinner. As per investment portfolio that I was given my money will double or more to say the least depending on the economy. Can you advise if I made the right choice?
        Thank you.

        Reply
        • Hi. You made the right choice if the type of investment tied to it suited your risk appetite. More likely it will earn like that as it targets 10 years

          Reply
  25. Hi Ms. Fehl,

    I usually see your recommendations of Sun Life and I am intrigued. I have a friend who is a financial advisor at Sun Life and will meet him this week. I am currently in the look for a mutual fund, BPI offered me VUL which I am not that keen on. I can say I am a conservative one. I am just starting with MF. Do you think Sun Life is better than BPI in terms of stability? (not sure of the terms I use but I am interested to know about the gain and risk.)

    Thank you so much!

    Reply
  26. Hi, I’ve read about your blog about mutual funds. It was really helpful ☺.
    I was wondering if you could recommend me some really good and reliable books or articles, basically anything I could learn from about investing? Like the basics of mutual funds, its foundations, and strategies. And if possible, people who are willing to help me? I don’t have business classes or anything of the sort since my course is centered on humanities and people around me cannot help me So I have to learn by myself. I hope you can help me.

    Reply
    • Get to know about MF then know your risk tolerance, asses your financial status and know your goal. Then open an investment

      Reply
  27. One question was not answered here while I was reading, but it was still helpful either way.
    How much do I need to be able to invest in MU? and do I have to chip in it monthly or are there other ways?

    Reply
    • The usual minimum is P5000 to open an account. There are 2 ways to invest: one-time placement and periodic placement depending on the type of mutual fund

      Reply
  28. Hi Fehl,

    I’m an OFW here in Singapore and I’m planning to invest my extra income via MF. My questions now are: Do I need to open a COL account to invest in MF or I can just go directly to the MF provider like PAMI or Sun Life? What are the advantages if I use COL instead of going directly to MF providers?

    Thanks a lot and God Bless.

    Reply
    • Hi. COL will start serving MF by 3rd quarter of 2015 pa according to their tweet. I find it more convenient for those who invest on stocks via COL as well 🙂

      Reply
      • Thanks po for the info. All the while I thought that may MF na si COL. 🙂

        I plan to invest in either SunLife Equity Fund, PhilEquity MF or BPI ALFM. Meron po ba kayong suggestions or recommendations?

        Reply
  29. Hi Ms. Fehl, what can you recommend, mutual fund or uitf or stocks? Whats the difference between mutual funds and uitf? I think shares sa mutual fund and units sa uitf lang naman ang difference nila diba? Pero sa stocks pa rin sila nagiinvest? Please can you explain this further. And is it better ba if may mutual funds, uitf and stocks ka? On process pa yung application ko right now sa COL, and im thinking na mag mutual funds or uitf din. What do you think po kaya dun sa dalawa? Thanks in advance!

    Reply
  30. Hi miss Fehl, I just want some advice from an expert like you.. I already have an stock market investment, now I want new investment. which one is more profitable for 3-5yrs? MF, UITF or VUL instead?

    Reply
    • Equity Funds from MF and UITF are suitable for 3 yr period. Performance between MF vs UITF vs VUL will depend upon your needs and preference. For example, VUL may be better if you want insurance

      Reply
  31. hi Ms Fhel,

    i just want to ask which is better for diversification? because I’m currently using COL financial as online broker for stocks. I’m thinking of an intermediate term investment around 1 to 3 years investment horizon this will serve as emergency to retirement funds as well. And since i have money in PSE i can tolerate moderate risk. I’m thinking sun life mutual funds or metro max 3 bond fund as UITF. I’m planning a 50k investment. which is better or is there a possible way to split the 50k for better diversification.

    thank you and God bless always

    Reply
  32. Hi Ms. Fehl,
    Gusto ko sana mag invest ng mutual fund. Kaso wla ako sa pinas ngayon pano po ba ung way.
    is their a way na mka umpisa.

    Reply
  33. Ms. Fehl, a good day to you. I just wanna ask if it is possible to know first the NAVPS of the day before redeeming the funds with that NAVPS at the same day? and in what time did the mutual fund company post their NAVPS of the day online?

    Reply
    • Hi, they usually post their NAVPS of the previous day at 4pm or up. It would take time for proper valuation to derive at the NAVPS for the day

      Reply
  34. Hello fhe, ask ko lang kung need ba ng TIN Number pag nag invest sa mutual fund or uitf
    Sa stock market required eto at paano makakuha nito while im abroad , thank u

    Reply
  35. Hi Ms. Fehl,

    I’m new in this investment business and after reading this I want to ask for some advice. I’ve just graduated last year and I’m in a good paying job, but I feel like I need an extra source to help me settle in for the far future. While “investments” and “stocks” are new terms for me, I am curious and excited to venture in these businesses.

    What I want to ask are the following:
    1. What would be a good way to invest? And are there recommended companies to start?
    2. Any tips that you can give in regards to financing?

    Thanks!

    Reply
  36. Hi Fhel,

    Just wanted to ask regarding mutual fund, my bank have this schemes 30%equity 70% fixed income bond, 50/50, 80/20 and 100% equity. Just like to ask your expertise which one should i go? I am happy and motivated seeing your page… more power and God bless

    Reply
    • It always depends on you as the investor coz every investor has different risk appetite and plan. As for me, I choose around 90% equity and 10% fixed income instruments 🙂 God bless you too James!

      Reply
      • Thanks Ms.Fehl,

        In that case i may consider the 80/20 since the bank doesnt have the 90/10 option. By the way Ms.Fehl Ok lang din ba tong option na to if i do the investing on a monthly basis? Yung tipong 5k a month?

        Thanks again!!! 😉

        Reply
  37. Hi Fehl,

    Found your blog very helpful. since i was 20 i was thinking of investing but im afraid to do so..
    I really wanna try to invest to check if i will earn either in 1-3 years.
    i have 10K so far for savings and 10k for investments sana. im wondering if i could add some monthly and what if di ako maka pag hulog with in one month may magiging issue ba doon sa investment if ever?? Thanks in Advance

    Reply
    • If you plan to invest 10K initially then add up some more when you want, you can invest on Mutual Funds like Sun Life Equity Fund. To learn more, read our Mutual Funds posts here in Philpad

      Reply
  38. hi! Fehl, interested ako maginvest in BDO MUTUAL FUNDS. 10k in money market for a start then monthly 10k for one year. Approximately how much will i earn? Thanks

    Reply
  39. Hi Miss Fehl,

    I’m an avid reader of your blogs and thanks for sharing your knowledge to everyone. I’m a Mompreneur and I like to open a UITF OR EIP at BDO. What do you think will be the best for me? I have an existing account in BDO and my savings was kept untouched for 3 years now, and no earnings, just 100 pesos in a year..hehe. I want to invest P100,000 opening and planning to deposit 5k every month for 3 years. What do you think is the best for me? Please I’m really confused. I want to start investing now while my child is still a baby and the expenses is still less.

    Reply
    • Hi. Thank you for always visiting. If your 100K is not your only money, you can invest it and add up more funds monthly using EIP in BDO if that is your choice. I also recommend Philequity Mutual Fund because of great performance than BDO UITF.

      Reply
  40. Hi Fehl,

    One of my friend told me about investment and it’s really amazing to invest something for the future. However, my salary right now is not really enough to invest something too much. What’s the minimum investment for mutual fund? Where should I start to invest? and How?

    Thanks much. God bless you. 🙂

    Reply
  41. Hi Ms. Fehl,

    May i ask your help please, what kind of investment should i invest on from the money i have from may separation pay? Im nearing may retirements also.

    Thank you

    Reply
  42. Hi

    guys, just want to have an assistance from you. Im ofw here in qatar and im planning to invest mutual funds particularly in sun life and phil am. I already have the form to be filled up for registration and ready to send, but the problem is i dont dont how to send or their email … I tried to contact their call center through sending email about this issue but i dont have yet any response.. could you have enlightened for this issue guys. hopefully you could give the best answer thanks alot…

    Reply
  43. Hi,

    After reading your article I realized how stupid I am not investing on Mutual Funds when I was younger! I am 29 now but I wish I had started when I was 25. No one from our family has any knowledge of this and I don’t know why. I definitely agree that time is money so I am pushing now myself to save money and put it in MF, I think I will chose BPI and Pru Life UK. I will also try Sun Life too but that will be my least priority. Thank you soooo much for posting this wonderful article, it is really helpful. God Bless you!

    Reply
    • It’s not yet too late 🙂 I’m glad you will start your Mutual Fund investments. You can also invest stocks directly in the stock market, it’s rewarding as well 🙂

      Reply
  44. Hi Fehl,

    I am new to Mutual Funds and I would like to invest in equity funds for the first time. Actually I’m leaning towards Sun Life, but Philequity performance is intriguing me. % Return and Performance of Philequity is quite higher than others but its NAVPS is a little bit higher too. Does that mean, that it will cost me a little bit in Philequity but the return will be better than others? What do you suggest for me because I am confused in which one should I invest into. Thanks for your insights! It would be a great help.

    Reply
  45. Hi this is my first time to read an article like this and it got my attention since i have an account at BDO but it is dormant can i still use that to start MF or UITF tnx and more power

    Reply
  46. This is a very good read!!

    I’m new to investments and I’m glad I found your article. I don’t have that much money to invest but I am looking forward to earn more and re-invest everything. Do you suggest a long term buy and a diversified investment to a newbie like me or would you advice the opposite?

    I know I also have to do my own research. But would you be able to give any recommendations – MF’s where I should invest into? At least top three.

    Thanks in advance!

    Reply
    • Hi Mike! Thanks for reading my post about mutual funds. I always suggest invest for long term and diversify because that’s the 2 ways to minimize risks. I recommend Sun life, Philam Asset Management Inc., and Phil Equity Fund Inc.

      Reply
      • Hi Fehl,

        Thanks so much for your prompt reply.

        I’ll take note of your advice.

        And have a Merry Christmas and a Happy New Year !!!

        Reply
  47. hi fehl,

    thank you very much. your blog is very good and helpful. ive been reading your blogs lately and it’s very informative. i was inspired to invest in UITF. and now im planning to invest in stocks through COL financial. I just have few questions though, and thought you could help me:

    1. if let say i invested 5K in col (for starter),now, i want to buy more shares and in doing so, i need to deposit again. is it possible to deposit a small amount (as additional) like as little as 3K? then, buy another share that covers within this amount? or should it be atleast minimum of 5K per addditional?

    2. if i decide to upgrade to COL plus, and since i already have an account (COL starter). Do i need to follow same procedure in opening an account?

    3. Lastly, if i invest in MF like sunlife, i understand that they require a monthly payment depending your budget…in the event that i miss paying on a certain month, are they going to dissolve my application/membership? ive heard it goes like that, but im not quite sure.

    Thanks again for your help.

    Best regards,

    Rey

    Reply
    • Hi Rey! thank you for visiting my posts here. 🙂
      1. Yes, that is allowed. In COL (Starter) EIP you can set fixed amount periodically to buy certain stocks. You can also change that and set different amount or orders you wish. You have the whole control of it 🙂
      2. I think they allow upgrades and they can gladly assist you on that. Just contact them or email them
      3. Sounds like you were referring to a Mutual Fund of Sun Life? You have the option to invest a one-time placement or add some placements. Their investment products are very flexible. Wow, dissolve your account if you missed a placement? I don’t think so. It’s your account in the first place. It’s your investment. Only you have the power to close it or redeem everything or change a thing. If you’re under a monthly investment plan, and you missed a month, the MF company will contact you for sure to discuss what action you want to do with your account. You can also request ADA to avoid missing a thing. Just make sure though your source fund have enough money on it. God bless!

      Reply
      • hi fehl,
        thanks very much for the clarification. atleast i know what to do now.

        Thanks again. More blessings to come for helping others.

        Best regards,
        Rey

        Reply
  48. Hi ms. fehl, thank you for putting up a blog like this, it’s very informative. Anyway, my husband works abroad and he is very interested in investing in MF. He would like to invest 100k in MF when he comes back home early Feb 2015. Now my questions are,
    1) what MF companies are proven and tested to invest for MF? (of course, natatakot din po kmi to take the risk since it’s not covered by PDIC)
    2) Can you tell us what type of fund ang pede kmi mag invest?
    3) and is there a fund where we can get the monthly interest i mean profit, without getting the whole amount of fund we invested?

    Thank you so much in advance for your reply =) godbless

    Reply
    • Hi! Thank you for visiting. 🙂
      1. Reputable MF companies I recommend are Sun Life, Philam Asset Management, Inc. (PAMI), Philequity (PEFI), First Metro Asset Management, Inc. (FAMI). Mutual Funds are not insured under PDIC coz they are not savings account
      2. It depends upon your risk appetite. How much can you take risks? Are you conservative or aggressive investor?
      3. You’ll get profit when the MF you joined gain profits. Yes, usually you get principal + gains when you redeem because the MF companies I mentioned always perform great. Note that the longer you invest, the more money you will likely gain

      Reply
  49. Hi Ms. Fehl,

    Maganda ba na madami kang mutual funds account or dapat isa lang? Mas madami bang MF accounts mas madaming returns? Ganun ba yun? Sorry baguhan lang sa investment. TIA sa reply.

    Reply
    • Depende yan sa status mo and goal mo though I personally like diversification and putting investments on different investment wheels. If you place them on different investment, you minimize risks 🙂

      Reply
  50. Hi miss Fehl,
    I’m a college student and I wanted to start investing and I got really interested in mutual funds, can you give me some tips on how could I start?
    Thank you!

    Reply
  51. ummmm…. pwede bang magtanong kung ever may bank/company that accepts teenagers to apply for mutual funds? I searched the internet many times at wala akong information na nakuha. If anyone here knows teenager-friendly mutual funds, please do share. Anyways, happy reading everyone. 🙂

    Reply
      • I told my parents and older sister about the idea that they could open a mutual fund in my name but it seems they don’t want any kind of investments in any kind of money making instruments specially after the aman investment scam. I don’t have any choice but to save my money until I am of legal age (yr. 2018 or 2019) to invest in mutual funds 🙁

        Reply
  52. I have heard about mutual funds is best hearing from Mr. Colayco. Anyway, if I invest 10k in a mutual fund is it just a one time investment? Can I roll over the interest upon maturity? Thank you.

    Reply
    • You can invest one time and you can add up more funds to it. Select the Mutual Fund investment product you want according to your goal and risk appetite

      Reply
  53. Hi! I am an ordinary government employee and earning averagely. What mutual fund will be applicable for me and how much will it cost me to start a mutual fund. I really want to invest my bonus wisely. Thank you

    Reply
    • Hi! It depends upon your goal and risk appetite po. If you’re conservative, Money Market Fund and Bond Fund might be suitable for you. If you’re aggressive and can take risks, you can invest on Equity Funds. If you’re in between, choose Balanced Funds

      Reply
  54. i am an average earner with an expert homemaker for a wife and a very smart son…i’m still in the process of researching on how we could survive the next years of our lives…i think i am somehow “enlightened” and wants more of your articles…thank you so much for this wonderful wisdom miss fehl…i will keep on monitoring this blog..i also think you are doing a great job with regards to financial freedom and security by sharing your knowledge to anyone…this will be very helpful to me and to my family…blessed be!

    Reply
  55. Thank you so much for the prompt response. I have been planning to invest into Sunlife since last year but I have no idea about it. Thanks to your articles, I have learned a lot. I’m very sure to invest this December 2014, just waiting for my 13th month pay.

    I have another question.
    This is the case: If I invest 8,000 on December 2014, and start paying 1k per month, until December 2019, that would total to 68,000. Would that be the principal to be considered for getting the interest when I decide to redeem the entire investment after 5 years? Let’s assume that there’s a 10% gain/increase on the interest. (For simplicity, let’s not consider taxes and charges here for the meantime)

    Would my investment become (68,000 x 1.10) 74,800? Or how would it be computed? is the interest computed compoundly? or just one time for the entire 5 years?

    I really don’t know. Thank you in advance. Anyway, I will be investing in Balanced Fund.

    Reply
      • I’ll visit that. Thank you so much. I’m currently reading your Money Market Fund articles on PNB. That’s another good investment to invest into. I will be waiting for your sunlife post. You should start an investment school! You’re very great in educating us about this matter.

        Reply
  56. Hi, Ms. Fhel.

    Upon investing, may I know what the charges/expenses are? I just know a bit about mutual funds, specifically, Balanced. I want to know more about the expenses or charges to be incurred, initially, during, and even when i decide to stop investing after 5 years or so. Please include the taxes as well. Thank you!

    Reply
    • Hi Kaye! For Mutual Funds, there are Front end load (entry fee) + 12% VAT charged when you open your MF. It’s usually 2% for 100K or less. Rate is lower when the fund is higher. There is also Back end load which is charged when you redeem (withdraw) your funds. Some MF companies like Sun Life remove the Back end fees if the investor redeem after 5 years which is very cool 🙂 These are just little fees considering you will gain so much money anyway

      Reply
  57. Hi! Good day! With your experience which is better MF or UITF? Specially for a first timer? Do we have to pay for the Fund Manager? Commission or something? Sorry…just need to ask. Thank you.

    Reply
    • My UITF in Equity Fund is very impressive. Since I was planning to get Mutual Fund in Equity, I decided to prioritize stocks in the stock market directly first before Mutual Funds coz I have EF already. Planning to complete this pack before the year ends: UITF + Stocks + MF

      Reply
  58. Hello Ms. Fehl,

    I would like to ask kung one time lang ba yung pag invest sa Mutual Fund? I mean, kapag nagbigay ako let’s say initial investment na 10,000 and that’s it? Or monthly pwede ko pa yun hulugan at dagdagan? Sorry for the dumb question. Thank you for your patience and looking forward for your reply.

    Reply
    • You can either invest one-time (single placement) or single-placement with monthly placements. Check the type of Mutual Fund product and its options.

      Reply
  59. Hi Ms fehl,

    It;s me again, hehehe. sorry for these so many questions, i’m just so eager to ask them ’cause it’s like i can’t wait any longer to diversify my investments. haha

    As i have said earlier, i already opened a UITF in BDO (Equity). My real question is, is it a wise decision na mag open din ako ng MF (equity)? which one will give higher return in the future assuming na same ang amount ng contribution ko monthly and same din na peso cost averaging ang itake ko?

    hoping for your reply… you are indeed a great help for beginners like us. 🙂

    Reply
    • Hi Jesi. 🙂 You can ask anything here related to each post. You are always welcome. I would like to see you to my other posts too. 🙂 Yes, it is very wise to open another equity funds even if you already have one. I personally have BDO Equity Fund too and direct stock market investments in COL Financial which is making me so much busy these days learning stuff about the stock market (I’m sharing here posts in Philpad). I’m so wanting to open Sun Life Equity Fund too and I would be mad at myself if I didn’t do it before the year ends. LOL Sun Life has a EF product like that which you can invest 10K and add minimum of 1K or more every month.

      having UITF + Mutual Funds + Real Stocks = feels so good. 🙂

      We can all do it one at a time 🙂

      Reply
      • Thank you Ms. Fehl! I just opened a Sun Life Mutual Fund Equity. 🙂 Right, one step at a time. Currently, I’m reading a lot of articles regarding online stock trading as I want also to open an account in COL.

        Thank you so much for your help. Have I not came across of your blog, I would have not opened neither of the two investments I have right now. 🙂 Your blog was really of so much help! Always simple and straightforward.
        Reading your different articles has been my hobby nowadays. 🙂 Worth it!

        Keep us posted. 🙂 God bless and more power!! 🙂

        Reply
        • Wow, thank you Jesi for the kind words here and can I say congrats to your new investment? 🙂 Great start and great future you have for sure. Will be sharing more investment posts here. I’m doing series of stock market tutorials right now

          Reply
  60. Hi again ms. fehl!

    I just opened a UITF last week in BDO and now I’m planning to open a MF in Sun Life. 🙂

    Q: does the Peso Cost Averaging Method also being applied in MF just like in UITF?

    Reply
  61. Hi Fehl
    Nice article…
    If there are OFWs who are interested to open their mutual fund, I can help without having them send money to me. I will only process documents. I am a CIS and a distributor of 4 MFs namely FAMI, PAMI,Philequity and ATR KE..
    I will be glad to help more… and I hope you can allow me to help your readers who are interested…

    Reply
  62. hi maam fehl

    thanks for this blog, as a beginner i learn about Mutual Funds.Thank for sharing this! 🙂
    Currently i’am working as a Branch Head in one of the motorcycle industry, earning 15k to 20k a month. i am much interested investing in mutual so i could have my better future too, as i read some of the post above, the initial or the minimum investment for sun life is 10,000? what i want to know is how can i get into it? and how could i easily talk to their people to explain to me what rules and policies that they have?

    mabuhay ka!

    Reply
    • Hi John. Find a Sun Life branch near your place and you can then open an account. When you open an account, you will usually have to answer some questionnaires and have assessment. Don’t worry about that. You can also ask questions and discuss the types of mutual funds suited for you. MF advisors usually discuss them to the client. If you can’t find a branch near you, opt for UITF for now. These are available from major banks nationwide. UITFs have also investments products related to MF products. you can also get to know about UITF in our UITF category posts

      Reply
  63. There will always be risk when iinestvng. The question you should be asking is how much risk are you willing to take. For instance leaving that money in the bank you have a risk of inflation to devalue the money. If you buy stocks, mutual funds, ETF, bonds, etc. you have the risk of the prices going either up or down. The more volatile investments often gain the most value. So you need to assess how long you want to keep the money invested and how much risk you are willing to take. Another way to go is to consult a financial planner and they should be able to steer you on the right track to iinestvng.

    Reply
  64. ~ hello.. i wanna know kng pano i-judge or piliin ang best equity type ng mF.. my initial choice was PhilEquity Inc.. based on the YTD, 3yr- & 5yr- performance, in comparison with the others.. i was also thinking na because it’s the one w/ the highest NAVPS sa group ng equity type mf.. pls teach me ano po ung best.. or what’s your top 5 pic po sa equity type? thanks sa reply.. i appreciate it..

    no need to publicly post this, you can just reply to my email in private.. maraming salamat po! planning to start this October na kc.. thanks again!

    Reply
    • Hi Reya! I personally prefer PEMI’s PhilEquity, Sunlife’s Philippine Equity Fund, and PAMI’s Strategic Growth Fund. You can also check our “Best Mutual Funds in the Philippines 2014” post

      Reply
  65. Hi Ms. Fehl!
    This blog really got me thinking.

    I’m a fresh grad and just get my first job a couple of months ago. I am really interested on investing but I don’t know how. Would you recommended that I start investing as soon as now or just save up for now and start investing in the future?

    Reply
    • It’s always best to invest now than later because time is money. The earlier you invest, the more you will earn. I recommend you start to invest in either Mutual Funds or UITF as they don’t require technical know-how or knowledge. All you have to do with MF and UITF is to put your funds and let the MF or UITF company manage it for you. Have basic knowledge about these investments by reading our posts here. I’m sure, you’ll be ready then 🙂

      Reply
  66. Hello fehl! Like ko lng po sana malaman if ano ang top performing MF provider at present and ganun din sa UITF kase plan ko mag invest this year, para at least mgkaroon ako ng idea if saan ako magiinvest. Thanks po and God bless!

    Reply
  67. Where do I invest my P100,000? May savings account ako for both BDO and Citibank. pero may AFSLAI savings ako na mas malaki kesa ordinary Philippine bank na nageearn ng divedend..I invested also sa Manulife for my life insurance ano pa sa tingin mo ang pwede ko pag investan ng money ko?

    Reply
    • It depends on you. If you are already stable, I recommend investing Mutual Fund. Choose a product that suits your risk appetite and financial goal

      Reply
  68. Thanks Fehl!

    The way you write your article is much like your just simply talking to it’s readers or teaching them personally about “Mutual Funds 101.” It’s easy to read and understand.

    Keep it up! Cheers!

    Reply
    • Hi Yce! Thank you for your comments. I’m a happy girl today! Thank you for reading and leaving your comments. I appreciate it so much. Have a fantastic day!

      Reply
  69. Thanks for the info.. been searching about investment coz i wanted to invest. I guess all questions in my mind got answered when i read this.

    Reply
  70. A very useful information about investing in mutual funds, Ms. Fehl, what do you think about lump sum versus peso cost averaging when investing in mutual funds?

    I would like to congratulate you for this great article, a very useful article. Keep up the good work.

    Reply
    • Thank you Mary Grace. What a pleasant comment to get from you! Lump Sum vs PCA, comparing the two has ups and down. I think i will discuss that further in an article so I can talk much. This coming days I promise 🙂

      Reply
  71. Hi. Just passed by your article, and I found this very interesting since I have zero knowledge about stocks or bonds or equities. Now I want to start investing because of this. My question is let’s say I have started putting my money in a balanced fund. As a moderate risk-taker, is it necessary to put in additional P1000 weekly or monthly? And if I’m going to fillout an ITF, what would be the age requirement of that beneficiary? Because I’m thinking about my two kids. Thanks and hope you could post additional articles about some tips on buying and selling stocks/bonds and the right timing of doing so.

    Reply
    • Yes, you can put up or set aside some money weekly or monthly, there are some Mutual Funds products that allow that periodic investment. Just check the list of MF products offered to you by the MF company. If you want to place an ITF for your child, indicate in the form “In Trust for” the name of your child and submit photocopy of your child’s Birth Certificate. You have to sign Confirmation of Trust Agreement too. Take note that once your child reached 18 (age of majority), the investment will not automatically be placed under his name until you made a written request to make the transfer under his name.

      Reply
      • Thank you for your feedback. I want to open an account and do an initial investment in Sun Life Balanced Fund. As I browsed their website, I don’t see procedures on how or where to submit the forms and how to deposit the initial investment. Can you help me how to submit the requirements? Also, can you help me explain more about the disadvantage of investing in MF.

        Disadvantages of Investing in Mutual Funds:

        They charge entry fees and higher management fees -To my understanding, does this mean that the more I gain on my income/capital, the higher they’re going to charge me on management fee?

        They are not so easy to access like banks where you can invest UITF easily -I clearly don’t understand this part.

        Reply
        • To know the advantages and disadvantages of Mutual Funds, please go to the related article I mentioned there before the quote. 🙂

          Reply
          • I just asked my cousin who’s investing as well about the pros and cons of MF and UITF. Maliwanag na sya sa kin. Thank you very much for posting such articles that would help us start securing our future. Although I started too late, but it’s never too late to learn. Thanks again. Please post more articles that would guide us on growing our money.

          • I’m glad you are into investing now. Better than never 🙂 I will be posting more reviews and tips here soon. I’m currently re-structuring posts here so everyone will find the articles easier and in order

  72. Hi Mr Mong! Gusto ko po sanang malaman if may factor ba talaga ang time sa pag invest sa UITF/Mutual Fund? Is it accumulative in any way? Naisip ko po kasi, kung may investment ako and ang latest price niya is only Php 92.43, may difference po ba if after 3 years ko pa kukunin at nagkataon na Php 92.43 pa rin ang value? I will really appreciate your response on this. Thank you.

    Reply
    • If you will invest long term, you will surely see higher earnings and return but in a year or so. If after 3 years, NAVPS returned to P92.43, there is no difference but it wont be P92.43 everyday if you know what I’m saying 🙂

      Reply
  73. hi ma’am,
    ng re research aq bout investment,nbsa q mga post mo and really like it even my wife,mdmi kmi ntututunan..ask q lna sana,investing in mf or in uitf is gaya lang ng pag babanko,pwede din dagdagan monthly and kung nk pag invest n kmi,gaya b un ng iba n me kailangan kmi gwin pra s investment nmin ex;(networking)
    more power and post,I share this to all my co-workers,
    I’m ofw in saudi……..tnx

    Reply
    • Hi Mong 🙂 Thank you. Tell your wife I said hi! Yes, you can also place funds in your MF or UITF regularly like how you put saving periodically. There are investment products like that. you can place funds monthly, or every 15h, 20th etc. As to UITF, BDO has one called BDO Easy Investment Plan and PNB has PNB Auto Investment Plan. I made a post about BDO EIP here too if you want to check and read before you make an account. I will put one about PNB soon. BTW, you can open PNB AIP while in Saudi if you already have PNB existing account, using PNB Online Banking

      Reply
  74. Miss Fehl,

    Pabakasyon ako next month kaso 30 days lang so I need to ready all my papeles para sa plano kong papasuking investment, MF as you suggested. Me Savings Account na ako sa BDO. Ano kaya mga needed papers nila from us? Tingin mo it will be done (from applying to everything) before my vacation ends? It needs po ba na sa Branch of Account ako mismo mag open nun or any BDO na mas malapit lng sa akin?

    Tsaka, if I put a 100k and a 5k monthly on it for like 3 years, ok ba yun xa? at any BDO products na ma-suggest nyo if ever the bank will ask me about it>?

    As usual, maraming salamat ^_^

    Reply
    • If you will opt for Equity Fund in BDO, it will be UITF. Mutual Fund is another option too since they have Equity Funds as well. You will have the chance to earn dividends if you choose MF than UITF. Sun Life is the best if you ask me. I have BDO Equity and it’s doing good. I admire their Fund’s performance but I want to put more funds in Sun Life. The accessibility is what keeps me not do it hehe I hope they have a closer branch

      Reply
      • I see. sa SUNLIFE po ba, nakikita natin online ang performance ng account natin? sorry to ask you this, no idea po kc :/

        Tsaka ano kaya mga need nilang papers from us para ma prepare na.

        Reply
  75. hi ms fehl good evening ask ko lng po kung makakapag open ako dito sa qatar ng bdo savings pwede ba ang kapatid ko sa pililipanas mag apply ng uitf para sa akin magbibigay ako ng authorization kahit risky ang equity parang gusto ko sya…tanung lang po kung ba long term imposibleng mag negative ang ininvest mo kc ang purpose ko nman dyan is pang kolehiyo ng baby ko 10 to 15 years from now..halimbawa po may 50k ako na buo ininvest ko sa uitf equity fund tapos hindi ko na dagdagan hanggang umabot ng 10 years posibleng lalaki ba yan kc minsan hindi naaasikaso ang monthly lalo dito ka sa ibang bansa..thanks

    Reply
    • If there is a BDO there in Qatar yes. I don’t think they allow authorization since they require personal appearance of the account holder. Besides the account holder will have to answer questionnaires and have assessment. There are some important documents to fill up. Negative investment? It’s a worst case scenario but I don’t think it will happen for long term investment with best performing funds. Remember, these funds are managed by experts without any bankruptcy records in the past or whatsoever

      Reply
  76. hi fehl. lagi akong nagbabasa ng mga payo mo tungkol sa pag iinvest sa mutual funds, marami din akong natututunan sa mga nababasa ko. kaya nagpapasalamat ako na nakita ko ang website mo na ito. 5 years na din ako dito sa taiwan gusto ko sanang mag invest napanghihinaan lang talga ako ng loob dahil hindi ako magaling mag english. sa papaanong paraan ko ba mapapalago ang konti kong naipon sa pag tatrabaho dito sa abroad? sana matulungan mo ako.

    Reply
    • Thanks for reading my investing articles, Raine. I have a new post if you wanna check it out. 🙂 If you want to invest, you need to know these things before you invest:

      Your capacity to invest – or your financial capacity
      Your investment goal – how long and how much you expect to maintain the investment
      Time and knowledge – learn first the background of investment and investing. Read our Millionaire topis
      What type of investor you are – conservative or aggressive

      Reply
  77. I need a reliable fund manager from sunlife, can you recommend one ? I have been emailing sunlife about opening an account and how to go about it because I’m here in US, but I couldn’t get answer. Thank you.

    Reply
  78. Hi Fehl,

    Nice write-up. I just wanna ask regarding ‘BDO equity fund’. If assuming i already open an investment account with an initial fund let’s say 20k pesos, can i fund it again while i’m still out of the country for the succeding deposits? Is it like depositing in my bank passbook account that i usually did here? You know, all i have to do is to send it to my account number. That’s it, very simple and then when i check it online, there it is, quickly encoded.

    You know, i’m thinking that maybe there are signatures or documents needed in every deposits. Hope to hear from you.

    Reply
    • They allow that for EIP (Easy Investment Plan) products wherein you choose how much to invest and when to invest. Example P5000 every 15th of the month. 5K then will be debited from the savings account you put in the form when you enrolled. With this, funds will be automatically be added to your UITF every month. That means your fund grows every time until you wish to redeem.

      If you’re currently abroad, there is now a new way to open UITF online and monitor your account online. It’s thru PNB. I discussed it in my new article. If you have existing PNB account, you don’t need to personally open UITF account and sign papers, have assessment and answer questionnaires. Everything is done online. 🙂

      Reply
    • Happy to hear that you liked my post. I also have more post you might like related to this. Just browse our Money section. Cheers! Will publish about Money Market soon. Hope to see you there.

      Reply
  79. Hi miss fehl ask ko lang po kung pwede ba akong mag invest sa MF jan sa pinas kahit nandito ako sa abroad? Or pwede ko bang sabihan yung anak ko jan sa pinas na sya ang magopen para sa akin? Thanks and GODBLESS YOU.

    Reply
    • For every bank account opening, one of the major requirements is personal appearance. If you want an account under your name, you really must make a schedule to open one personally because you will need to sign many documents. I don’t know any MF company right now who allows authorization for account opening.

      Reply
    • Hi Ms. Jenny. In case of Philam Asset Management Inc. (PAMI) you can download the application forms from their website, fill-out, sign, attached two valid IDs and send to the branch where you want to open an investment account addressed to the authorized person you are in contact with. Regarding the payment, have your son bring it to the branch so that he can collect the receipt as proof of payment. I believe other MF companies have downloadable forms in their sites too.

      Reply
  80. Ms. Marifel,
    Is there a guaranteed %rate income in a mutual fund? Even the market is loss or down? What if it’s time to get my money assuming after 20 years and the market is loss or down, what will happen to my money that I invested? I’m kinda confused in calculation of earnings. Based on your sample after 3 years the 100k earns 100k too ? Is it correct please don’t laugh ?

    Reply
    • There is no guarantee and there is always risk in investing. However, if you invest for longer time, you will mostly earn than lose. Mutual Fund companies choose the best companies to participate and to invest with. Jollibee, SM, PLDT, etc for example, you think they would go bankrupt after 5 years or so or after your target investment time? Absolutely not because they will always make some ways to double or triple their income. The market is always up and down then up again…That’s the certain thing in investing. From my sample, yes you earned 100K because your 100K became 200K. No I never laugh at people who are always curious and interested. 🙂 It means, they wanna learn and they wanna succeed. 🙂 Cheers!

      Reply
  81. Can I invest onetime only I meant
    Can I put 200 thousand for ex. And
    Then will wait till it’s mature 10 or 20 years in the market (MF). Is it ok not to put money from time to time.

    Reply
  82. Thank you so much for all your info
    It’s good to us who are self studying
    and learning from the expert.
    My question is, what is good to invest on a dollar or peso? I’m planning to retire in the Philippines is it matter or not? Living in Los Angeles.

    Reply
    • It is best to invest in the currency where you are since you can monitor it easily. Investing in foreign currencies is very risky because you can gain so much in an instant or you can lose so much in an instant.

      Reply
  83. Hi, im just curious if you could possibly give me an idea!been here in FLorida, USA for 3 years, had some mutual funds account and stock investment holder here too. Now,aside from that I am receiving supplemental income from social security benefits here for myself only I receive $965/month, my husband receives triple times than what I paid for..Anyways, I have this very old account in Metrobank savings account and still active which I started depositing 20k pesos a month since last year.Do you think it is a wise idea to just put the money there with no assurance I would gain some dividends?because the product type was just savings account, I never thought there are some mutual funds in the banks that would wisely grow my money up!Since I read your articles, seems really so enticing to put the money wisely in good hands and secured as well.I do also have social security contributions in philippines since 1999-2003, same Pag-ibig funds contribution but were stopped contributed since I worked abroad and moved here in US., plus have had loans both which never paid off.i have no idea what to do bothmthe Social security in philippinew and Pag-ibig funds in resolving it, because it’s been a long time way back when I still work there.

    Reply
    • I suggest you open Mutual Funds to earn dividends. UITFs in banks don’t earn dividends unlike Mutual Funds. If you open MF, just request them to link your bank account for funding your account. This way, you can monitor both – your bank account’s debits and your MF account performance online. I recommend Sun Life MF. You can choose the fund that suits your appetite and goals.

      As to Pagibig, you can resume your membership by being OFW or Voluntary member using the same Pagibig Number. This way, you can enjoy the benefits after 10 years of contributions. Pagibig has 4% growth per annum so it’s really wise to invest with it. I know you can pay the months you have missed in Pagibig unlike SSS. You also have the option to resume your SSS active status too by resuming it and updating into OFW or Voluntary. You can receive retirement benefits once you completed 120 months in SSS and at the age of 60

      Reply
  84. I want to invest to all Mutual Funds you are talking about every time i finish my contract from sea-based…. My problem is that i have no contact yet… Can you help me please.

    Reply
    • If you go home in the Phil. you can open your account and start investing. I heard some investment companies held seminars for seamen last month. It’s really advisable to have investments like Mutual funds

      Reply
  85. Hi Ms Fehl, I’m currently offered Money Works by PhilAm Life and I’m thinking if I should get it. My concern here is that where can I get the NAVPS. There are a lot of things I would like to learn about and I hope you could help me since I’m a beginner. Thanks!

    Reply
  86. Better invest it in pru life uk since we have the no. 1 fund manager in the asia. And had been choosen by th8e BSP to manage its its fund.

    Reply
  87. Hi Ms. Fehl,

    For example, I have already decided to open an account for MF or UITF. Should I have to pay the licensed representative or adviser when i go to PAMI or sunlife?
    Thank you.

    Reply
  88. Hi Ms. Fehl,

    I have questions and sorry if those were already asked and answered on previous posts. I’m just too lazy right now to do a backread. hehe.. Going back, does my investment in MF or UITF has a holding period? Or can I withdraw it anytime? Also, if I invest in MF or UITF by installment, can I withdraw anytime a part of my payments?

    Reply
      • Yes, they have holding period. For Mutual Funds, there is redemption fee when you redeem within the year or less than a year. For 3 years or more, on some MF companies, they remove that fee. The different fees are also discussed when you open your account

        Reply
  89. Hi Ms. Fehl,
    if I started an initial investment (MF or UITF) of PhP10,000 for 3 years may monthly/quarterly/yearly po ba akong babayaran?

    Reply
    • We discussed the fees for MF and UITF on the page MF vs UITF. I recommend you read the comparison so you know more. There are little fees. For MF, you MAY be charged at the time of joining and redemption (depends upon the fund you chose). For UITF usually at redemption. UITF comes with Withholding tax.

      Reply
      • Hi Miss Fehl,
        is it possible for me to start at P 5, 000 as i always hear and then 1, 000 per month, for three years, that’s the only program i can afford for now. something cheap and affordable.

        Reply
        • Hello Ruth. Yeah Sunlife offers minimum of P5000 for their peso mutual fund products. And the minimum amount you want to add is P1000.

          Reply
          • Hi miss fehl,

            Aside from Sunlife is there any other MF’s that accepts 5k initial investment and adds 1k per month minimum amount? Your reply will be a great info for me since my net salary savings per month falls on this bracket…

          • Yes, I know Philam Asset Management Inc. (PAMI) has a Bond Fund which requires a minimum initial investment of P5000 and minimum additional of 1000 every month.

  90. Hi Ms. Fehl,

    Good pm po. Gusto ko lang magtanong kung ok din ba mag open ng MF sa bpi family savings bank? Eto kasi ung malapit lang samin. Tsaka ang plan ko tuloy tuloy lang ang hulog monthly parang nagbabayad lang bills mga 10-15 years. Gusto ko sana sa sunlife or PAMI kaso di ko naman alam kung paano dun.

    Reply
    • Yes BPI has Mutual Funds products. I think they have currently 6 MF products – Peso Bond Fund, Dollar Bond Fund, Euro Bond Fund, Money Market Fund, Growth Fund and Phil. Stock Index Fund. BPI is one of the top 3 banks in the Philippines so having MF with them is safe. I recommend it too 🙂

      Reply
      • Ms. Fehl,

        Good day,
        Thank you for this helpful blog. I just need an advise before I invest in a mutual fund.

        Currently I’m working abroad, and by December I’m going home to Phil and I want to transfer my savings to investments. I’m hesitant to decide where to invest, in a BANK or in a MUTUAL FUND COMPANY?

        When it comes bank ;
        Ex. BPI is in partnership with ALMF = does the MF fee is higher since BPI and ALMF has its own share of fee to charge?
        When it comes to MF company :
        I don’t know if its secure to invest in these companies for more than 10 years?

        Thank you.

        Reply
        • Hey there! I recommend you start with MF company such as Sun Life. Sun Life is the leading MF company here. No worries about investing in 10 years because I’m sure the company will stay longer and longer than that. 🙂

          Reply
      • Hi Ms. Fehl,

        What about BPI’s Premium Bond Fund? I just opened an investment there. Do you really recomment MFs instead of UITF? I plan redeem it by 3 to 5 years. Thank you

        Reply
  91. hi ms. fehl, until now i am still confused about mutual funds/equity funds, can you tell me how does it works? and i found this website of Philippine Investment Fund Association (PIFA). it is listed there all the mutual funds operating in the philippines, my question is, under the column “1 yr. Return (%), 3 yr. Return (%), 5 yr. Return (%) “, are they the interest rates?

    Reply
    • Hello 🙂 Our new post at the homepage is about Mutual Funds vs UITF – their Similarities, Differences; Advantages and Disadvantages. Read it to know more. 1 yr return, 3yr etc those are the annual growth of the fund from their reports and performance. It aids in deciding which fund grows bigger

      Reply
  92. You have a great and useful blog, i’m happy i found PhilPad.com, Mam Fehl, what is your suggestion, I am planning to invest in mutual funds contributing P5k per month within 10 years, may i know which company is the best?

    Thanks and God bless.

    Reply
    • Hello Albert. Thank you for the nice comments. 🙂 In my opinion, maintain an active Pagibig Fund account because it is also a type of Mutual Fund here in the Philippines. Even if annual growth per year is kinda lower, it is still worth it coz it’s cheap. Plus maintain another mutual funds if you want like 5K per month as you plan. I also like UITF in Equity though it’s risky. For MF, I recommend Philam Strategic Growth Fund. God bless!

      Reply
  93. Hi Miss Fehl,

    gusto ko po sana mag invest sa BDO Equity fund, since namention mo maganda din ang performance ng BDO equity fund. sabi ng kasama ko na nag invest din sa BDO is 10,000Php ang initial opening account., then monthly din ng 10,000Php, yun lang daw yun. — ang tanong ko po ay “what if i failed to pay 1 month or 2 months or putol” for some reasons. ano po ba mangyayari sa initial deposits ko at sa monthly na binabayaran ko.?

    hoping for your response..

    JIMUEL

    Reply
      • There are 2 ways how to invest in UITF in BDO -Regular UITF and EIP. The Regular way will allow you to invest a one-time or lump sum amount while the EIP (Easy Investment Plan) uses the Strategic-Average-Method wherein the investor can invest monthly until he wishes to redeem the whole fund. Of course you have to consider the fund requirement for every type of fund they offer.

        Example: I have 100,000

        I can either invest it all in UITF by opening an account today and let it earn its way until I decided to withdraw the fund. Perhaps after 5 years I’ll redeem the fund. Profit will be computed according to the NAVPU on the day you will redeem.

        Example 2: I don’t have that much money but every month I save part of my regular salary amounting to 5000. I decided to open an UITF EIP account in BDO and invest 5000 every 15th of the month and I will keep to maintain it for 3 years. 5000×36 months would give you awesome profit and it will be computed based on Average NAVPU of the investment

        Bottom line – an investor must have a target time

        Reply
        • Hello Ms. Dungo,

          In accordance to what you have said above…on a usual basis, does the regular UITF gain more profit or the EIP?

          I would like to inquire which of the two- the regular IUTF or the EIP is better when it comes to profit gains. Or does it still depend on the fund manager and my style of investing?

          I’ve read through some of your articles, you have made the topics simple and easy to understand, something which I admire and am thankful for since I’m one of those you have helped to understand.

          According to what you have said, I have understood that usually, a bigger amount of investment will profit more, having a number and varied investments is recommended, and BDO’s Equity funds and Sun Life or PhillAm’s Mutual Fund programs perform well, and online banking is needed for you to be able to monitor the performance of your investments. Besides these, is there anything else you’d like to advise me or correct me about.

          I understand that these types of investments are very crucial to one’s future success, financially. That is why I want to start investing already even at a young age, and I want to do it wisely. I admire your expertise on the area and in the future, would like to be the same.

          Please give me some specific advises. Thank you very much!

          Reply
          • It depends on a lot of factors – time when you opened the investment, the amount of your investment, the performance of the fund and the time of redemption. Personally I still choose EIP because my total fund won’t be fixed, meaning I can add funds continuously. In EIP I can also minimize risks because no matter what, I gain on average. If you have big fund set aside already, you can opt for regular UITf than EIP and just maintain it for years. It’s risky but if you have big money set aside already, why be afraid of risks when you are likely so stable in life anyway…

            Please read our post about “Lump Sum vs Peso Averaging Investing” I have given a comparison and sample about regular and EIP UITF there.

  94. MIss Fehl,
    Thanks for the information i really appreciate your explaination. How about if i will invest on lump sum on equity fund does it ok or not. Please reply.

    Lito

    Reply
    • We have the option to invest on lump sum too. I actually prefer it than investing every period continuously though I maintain the 2 ways (one investment at once and another one strategic monthly).

      Reply
    • Yes it comes with 20% withholding tax on capital gains coz they are under the income and interest sources within the Philippines exceeding 10,000 category..

      Reply
      • Hi Ms. Fehl, Im a college student and we have a project in our subject mutual funds and trust management.. Are you a financial advisor of any investment companies in the Philippines? We need to interview someone about mutual funds..

        Reply
        • Hello there. Thank you for your interest but I’m not a financial advisor associated with an investment company. I’m just an investor who share her experiences here. I’m an accountant and a lot of things hehe My sister works in a Trust department of a bank so I get to know more stuff about Trust and other investments. If you want to interview someone who works in a mutual fund company, go to Sun Life or Philam

          Reply
  95. Hi Ms.Fehl,
    OFW here,I enjoyed reading the threads here,much that I was now fully enlightened about the difference between UITF & MF.In your previous post I was a bit interested why you recommend the MF’s rather than UITF.I’m having a short vacation this Sept and planning to open account at BDO’s UITF and now became confused whether to go for it or choose MF.Thank you for this knowledge it helps us to make and start a big change.

    Reply
  96. Hi Fehl,

    I am now in Malaysia and I am planning to return to Manila next year. I have read your articles – How to invest in MF, Best MF and the comments, etc.

    With P1 million for investment in MF or UiTF, which fund(s) do I invest in and what do you recommend that I do now that the Phils which used to be called “the sick man of Asia” is in recovery stages and doing well? How long? I am a higher risk taker.

    Thanks, SY

    Reply
    • I saw an article yesterday that this good performance of the Philippines would resume until 2015. I hope so 🙂 If you want to put your 1 million in Mutual Fund or UITF, I’d say you do both so you don’t put all your eggs in just 1 basket 🙂 I like BDO Equity Fund’s performance and I personally maintain an account with them. SM Investments are doing well. IDK if you’d like BDO but you can check out their past performance if you’re interested. With MF, I’d go for PAMI a.k.a Philam Asset Management, Inc. Their Philam Strategic Growth Fund is performing well. Last I checked 22.8% 3-year return. Things change so you check before you decide 🙂 Happy investing!

      Reply
    • piece of advice.. “Don’t put all your eggs in one basket”, which means do not put all your money to one company, invest on several company so the risk would be less.

      Reply
  97. I am interested in investing in mutual funds but I need to know more about how to invest and where to invest.
    Glad to have found this site.

    Reply
  98. hi,i just wanna ask how much minimum amount to invest in mf,im only employee?is 5000php can start an mf investment?Hope to hear you.tnx a lot!

    Reply
    • It depends upon what Mutual Fund company offers. Check out first the company, then the NF products that suit your capacity, status and risk tolerance as an investor.

      Reply
  99. I have been searching for and reading a lot about Mutual Fund and everything about Investment. I finally found a website that can provide me with the needed information and using terminologies clients can easily understand. Your website is ideal for young investors which are the target of my campaign for financial education and wise investment. I am excited to read your updates and new posts!

    Reply
      • Hello Ms. Fehl! 🙂 I am thankful i found your website. I am really eager to invest in a mutual fund company, the problem is i don’t know how and where should i go? Your answers would be a great help. Thank you & Have a great day! 🙂

        Reply
        • First is you need to get to know about investing in mutual funds. You must know what you’re getting into before you open an account. There are risk in vesting but earnings are much higher compared to saving regularly. Next, choose your Mutual Fund company (we have a page about the best MF companies here) so you’ll talk and get acquainted by a licensed mutual fund adviser to assess you and advise you about the type of MF that suits your status and risk tolerance. Good luck and happy investing!

          Reply
  100. Hi, aside from philam asset management and sunlife financial what other mf have you tried or currently have that you can recommend based from your experience? thanks!

    Reply
  101. Hi Fehl,

    Thank you for the great explanation of mutual fund, it sounds very simple:). As an ofw, I would like to ask about Pag ibig fund? Do you think its much better to invest in Pagibig fund or its much better to invest on one of the top Mutual companies on your list. What would you recommend?

    Beside on Mutual funds, what are the other source of investment that I can able to do? let say a half Million pesos?.. where do you think is the best way to invest this money?

    Thank you and looking forward to hear from you.

    Reply
    • Pagibig Fund or HDMF (Home Development Mutual Fund) is another helpful fund vehicle to Filipinos because it is mandatory to be a member if working in the Philippines. I know it also accepts voluntary members. It is very affordable to join Pagibig. It is controlled by the government so it’s gonna be here no matter what. I recommend joining Pagibig and maintain being active to enjoy its benefits especially retirement benefits. Pagibig is focused on Home Development and giving housing services to its members. It really helps everyone. I don’t wanna say it’s better to choose Pagibig than other Mutual Fund coz like I mentioned, it is mandatory to be a Pagibig member if you’re an employee here. However, we must also diversify our funds to other vehicles if we want to build more wealth. It is not so risky to have funds in Pagibig as it is government controlled. I recommend being active on it until retirement and having one or two other Mutual Funds or Trust Funds

      Reply
  102. hi just dreaming..serious theoretical discussion only…
    EXAMPLE for the sake of investment:

    Pinoy investor X (ofw presently abroad) had usd 30k investible fund by the end of the year parked in a savings account in the philippines .and another uncommitted 2000 usd available (forecasted free savings) for investment every quarter in the succeeding 5 -10 years.

    Question: Can X start his mutual fund investment or uitfs in the philippines while abroad?
    Does he invest in one fund manager or multiple fund managers in the phil?.
    What investment vehicle is best to start with his 35k now? How about the recurring 2000 k in the succeeding 5-10 years ?
    Is it wise for X to review his portfolio in after 3 years or 5 years and assess his income prospects.
    thanks for the reply I thank miss Joanna E. Balwit if she can enlighten us on these prospects.

    why 5 yr return in mfs or uitfss most often higher than 3 yr return. I do not comprehend the statistics. can you elaborate>
    is it wise to redeem the 5-year equity investment after 3 years considering high yeild in 3 years? or just invest in equity for 3 year time horizon?

    Reply
    • X can open UITF or MF here if one day he went home. He can ask his wife to become co-investor too on the account. He can invest in one fund or choose to invest in 2 to 3 or more let’s say open UITF in Equity in BDO, and UITF in GS or Bonds, MF in Philam, and the remaining High Yield Dollar Savings. Or he can invest all of it in one fund of his choice if he is aggressive. Only he knows how much risk he could take.

      3 years can be higher than 5 years, we never know. The market is volatile and time could give your target in 3 years what you expect you would earn in 5 years, we never know. We can always redeem anyway. 🙂 I think if you have reached the target, then redeem. Don’t be so greedy and expect too much

      Reply
  103. Ms. Fehl good day its me again. Can you give me a company that has money market funds?because i want to try it. Thanks

    Reply
      • Thank you for the information.I’ve learn a lot from you. I am a OFW,24years old. I wanted to try invest in mutual fund and UITF. Can you help me decide what investment company will I choose for my balanced and equity mutual fund? Im plannning to invest on it and claim it after 10years to 30years.How can I be sure that the company that I’ve invested in still exist during that time? Also, is it ok to just give a 5thousand initial deposit then give 1,000per month using my BDO and BPI online account or is it better to invest in full20,000 per year?

        For UITF,how much is the minimum investment that BDO accept and how much interest can I get from it yearly? Thank you very much.

        Reply
  104. I Fehl, good day to you!
    Great I found your blog maybe it’s about time I realize I need to prepare for my future.
    Need to be more wisely in terms of spending.

    Would like to ask some advise on which should I prioritize.

    I’m a full time career mom and have lots of payables every payday.
    I would want to have investment for both MF & UITF but I have bills to pay, credit card, house, insurance, tuition and to name a few… in other words nothing left. My question is this, will it be ok if I just pay my credit cards in installment and use the money to funds or should I first pay all my loan and card in cash then proceed with investment.

    You advise will be very much of help and greatly appreciated.

    Thanks!

    Reply
    • As to credit card advice – I’m one of those wiser credit card users. I always pay the whole amount due because I don’t want to pay interests. Do you know that interest rate on credit cards is higher than interest rate on savings account? I suggest, settle your dues first before opening another venture so you have peace of mind. It’s ok if you’ll pay your dues if you are under the 0% interest scheme when you purchase the product. If not, paying the whole amount is always the best. If you are ready, then happy investing 🙂

      Reply
  105. Hello Miss Fehl,,,,I am currently in Los Angeles,Can you please recommend someone who I can help me start investing in Mutual Funds?

    Thanks.

    Reply
    • Hello Ding 🙂 Yeah sure, I recommend two of the best provider in the Philippines – Philam Asset Management, Inc. and sun Life Financial. Start by getting to know their Mutual Fund products which are available on their website at philamfunds.com.ph and sunlife.com.ph Then you can proceed with their licensed mutual fund representative or agent to assist you in opening an account. Thank you for reading and I hope you subscribe to us because we will be posting more about mutual funds here in the coming days. 🙂

      Check out this month’s post for the best mutual fund (equity fund) in the Philippines on the first quarter of 2013 and many more…

      Reply
      • Hi Ms. Fehl, How much is the minimum invesment required if I will go for Philam Asset Management Inc. or Sun Life Financial? Thanks!

        Reply
      • Hi Ding,

        Since Ms. Fehl is recommending Philam Asset Management Inc. (PAMI), I work ith PHILAM as a licensed Financial Advisor. If you are interested you can get in touch with me so I can help you out.

        Reply
        • HI I’m Lovely i work at sunlife financial as a financial advisor =) ( I’m proud to say we are number 1 here in the philippines ) your free to contact me to know more about our MF and VUL =))…and i also want to thank Fehl Dungo…i love all your blogs it help me a lot because of you i diversified my money… Salamat ng Marami!!!

          Reply
          • Hi Lovely! I like to know more about your MF in sunlife please contact me thanks. Is it possible even if im not in Philippines because i work abroad.

          • Hi Jed you need to be here before you can apply for a mutual fund you need to sign some documents for your policy…Ms Fehl explain it very well but i can show you some history of our Mutual Fund for your idea and answer your question… if you trust someone here in the Philippines they can help you if you like =)…

        • hi,

          i’ve read your comment that you are with Philam…. I am considering to venture on a Mutual fund and Philam is one of the best performing fund managers in Phil….

          Pls email me so we can start a discussion.

          Thank you

          Reply
        • Hi!Ms. Fhel,

          i am interested also this kind of investment but i don’t have enough idea..i am here in Dubai right now i need someone can help me for this kind of investment, could you recommend me someone working as a financial advisor?thanks…

          Reply

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