Investing 100,000 in a Mutual Fund vs UITF vs VUL Earnings

We’re sharing here how much 100,000 pesos would earn if invested on 3 investment wheels because a reader has requested a comparison of earnings between investing in a Mutual Fund vs UITF and VUL using his 100,000.

Note that this is for comparison purpose only and it’s not a mean to know which is better between the 3 because each product has different investment substance, fund allocation, strategy and management let alone every investor has different status, risk appetite and money goal.

If you’re not yet familiar with UITF, Mutual Funds and VUL, you can get to know them better by going to this post we made: “UITF vs MF vs VUL.”

But if you’d rather go forward this topic, go on and continue reading…

100,000 Investment Earnings Comparison from Mutual Fund vs UITF vs VUL

We used one of the best, most reliable, most established, and most decent funds in this comparison. Also we used the riskiest type of funds because we’re aggressive but we’re always keeping it calm 🙂

For Mutual Fund we used Philequity Fund, for UITF we chose BDO Equity Fund and for VUL we used Sun Life Variable Life Insurance that is tied up with Equity Fund.

In this comparison, we used 100,000 pesos invested for 3 years, from January 18, 2012 to January 18, 2015 to be exact.

We have used the 3-year period because Equity Funds are suitable for this investment horizon.

Here are the yields we have gathered for each fund.

100000 invested on mutual funds vs uitf vs vul

Again this is just a comparison and it won’t guarantee future results. Each investment has different fund allocation and composition. Each may outperform the other any day. The bottom line here is all of them will give us money in the end.

If that is your revenue investing 100,000, what more if you invested 1 million or more millions? The return is awesome! It’s always the more you invest, the more you will gain. Yes, that is also why the rich becomes richer. They don’t let their money sleep on savings and time-deposits. They invest them or they use them expanding new business.

100k roi mutual fund vs uitf vs vul comparison

There are important factors you have to consider before you decide which investment wheel you will use such as your risk appetite, your financial goal and your financial status.

What is risk appetite?

For the sake of newbies here, it is how you can take risks. Investments are very risky. You may not always gain, you may also lose some. To combat risks, you have to invest for long term and diversify your money.

What is financial goal?

Simply how much do you want to earn. Do you want to become multi-millionaire? Perhaps you want to retire early? Or perhaps you want to use your money to build business.

What is financial status?

It will be answered by the following: do you rely on just regular income from your job? How much is your current networth? If you’re not employed right now, can your cash sustain your needs?

If you’re into investments now, it’s always best to diversify your money to different wheels. Make sure you don’t invest everything on one fund alone or on one account. Also make sure, it’s your 20% or 30% money and make sure you have many income generating assets that can shower you abundance in life.

What are these income generating assets I always mention? They are jobs, business and passive income. I will talk about more of them soon. Subscribe here so you won’t miss a new post. It’s free!

“It’s always better to invest some of your money than not to invest at all.”

investing 100,000 in a mutual fund vs uitf vs vul earnings
About Fehl Dungo

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

191 thoughts on “Investing 100,000 in a Mutual Fund vs UITF vs VUL Earnings”

  1. Hi.

    No doubt about it, Philequity and BDO are top perfomers in their categories.

    IMHO however, and in the matter of “fairness”, you should have chosen a “well-performing” VUL Fund, like Pru Life’s Equity, AXA’s Wealth Equity or Manulife’s Peso Equity Fund. FYI, Sun Life Equity is a laggard among VUL performers. The aforementioned funds performed quite well with absolute returns above 60% for the same period.

    Maybe you can update the above using current 3-year returns…..

    Cheers!

    Reply
    • Hi,

      This is the most updated that I can find in the internet on the report of annualized returns for the referred funds:

      Prulife Equity:
      AXA’s wealth Equity:

      AXA Wealth Equity:
      Manulife Wealth Equity (Growth Fund):

      Sunlife Wealth Equity: BUT NOTE, there was NO ANNUALIZED RETURN shown in the report:

      For BDO-life:
      But maybe Mr. Manuel was referring to BDO UITF Products

      For Philequity: according to the entrepreneur magazine report, the 5-year Annualized ROI is 9.23% with Assets Under Management (AUM) equal to 10,396. If we compute for the Ratio of Annualized ROI per billion of AUM, we will get 0.887 (9.23/10.396).

      For AXA Chinese Tycoon Fund, the ratio would be 0.54 (11.76/21.679)
      For Manulife Peso Growth Fund, the ratio would be 1.15 (10.02/8.74)
      For Manulife Peso Equity Fund, the ratio would be 7.25 (10.3/1.42)

      Generally, larger funds (AUM) are expected to take better advantage of opportunities by the market, given the bigger investment “bets” they can take. However, smaller funds could be more nimble due to their relatively smaller positions. It is for this reason that fund managers in smaller funds have more of a ”stock-picker” mentality. Thus, if a smaller-cap fund has higher annualized returns compared to its benchmark indexes and peer groups, credit goes to the fund managers who exhibited superior security selection or market timing skills.

      However for bond and index funds, the AUM becomes a critical factor because of expenses. In both these cases, the bigger the better. Large funds can distribute fixed expenses over a number of investors. This can bring down the expense ratio and thus reduce its impact on fund returns. Large funds can also negotiate better rates with issuers of bonds.

      I would say that when Fund Performance is the primary criteria when choosing whether to invest in VUL Funds or Mutual Funds, one should closely look at the Annualized Returns (and Assets Under Management) and not only the Absolute Returns.

      Reply
  2. Just to share a little background of myself, I currently have one (1) Investment-Oriented VUL Product, one (1) Protection-Oriented VUL Product, and two (2) Certificate of Participation for UITF.

    I made a comparison matrix of popular VUL policies in the market (Sunlife, Axa, Manulife, Insular Life, Bpi-Philam/Philam Life, Prulife). But first…..

    Among VUL, mutual funds, UITF, and direct stock trading, only VUL offers simultaneous life protection, growth of money thru investing, and the many supplementary benefits (cash assistance when hospitalized, or upon diagnosis of critical illness, etc.)

    With regards to investment, it would also be prudent for starting investors to enter pooled funds instead of direct stock trading unless he has large capital to invest in blue chip stocks, and has the time and diligence to track market movement from time to time, since one can really maximize earnings by trading.

    With regards fund performance among pooled funds (VUL, mutual funds, and UITF), best fund managers in the country are employed in Life Insurance Companies, which offer VUL products, hence annualized returns are higher in VUL by historical performance. And among several VUL products, there are actually few funds that really stand-out. And these funds are available only in select few Insurance Companies.

    If you are interested in availing VUL policy, I suggest you get as many proposals from different Insurance Companies as possible. DO NOT compare the products by the illustrated projected fund values through the years. As stated, these are PROJECTIONS, and all are mandated by Insurance Commission to show projected earning rates at Low (4%), Medium (8%), and High (10%). Different companies also offer different protection coverage periods. Some guarantees up to 99 or 100 years old, some are only up to 80 to 88 years old, so one may be swayed to get a “less expensive” policy, but this is not actually case and when you do the math, he/she is actually paying more for relatively shorter coverage, and this is not only for the life coverage but includes also for supplementary benefits (critical illness, accidental death benefits, etc.)

    Lastly, keep in mind that when Financial Planners present to you a VUL policy which would require limited-term pay (5-yr/7-yr/10-yr), it is NOT guaranteed that you will only pay up to this period. VUL is investment-linked, and all will depend on the actual fund performance. Same goes with regular pay- it is NOT true also that you will pay continuously, so look for a premium holiday feature (with no premium holiday charges).

    If you are interested to learn more, I was able to make a comparison matrix of all VUL products, and these cover 2-groups – Investment-Oriented and Protection-Oriented Products. I had 19 criterias as basis of for my evaluation when choosing which company gives more value to the premium (investment) that I pay, as one will be suprised that some companies charge more than other companies (and this does not include yet the hidden charges- you will only realize that it is hidden when you understand complex terminologies in the VUL policy).

    Example of my criterias are: fund performance (annualized ROI/assets), market capitalization, pricing policy (single or dual), protection coverages, premium and monthly deduction charges, rules on policy lapsation, effect on short-term non-payments, etc… I also made an analysis about the pros and cons of regular pay and limited-term pay. Actually, a lot of Insurance Agents offer limited-term pay since it requires higher minimum, and with higher premium the more commission.

    Thank you.

    Reply
  3. For reference to fund performance of different investment vehicles (VUL, Mutual Funds, and UITF), you may refer to this link: entrepreneur

    One needs to understand the difference of Annualized and Absolute Return. It would be straightforward to make a comparison of different funds and distinguish which funds are superior or perform better if the inception dates and time duration of subject funds are the same.

    Unfortunately in reality, investment funds have different inception dates. You can actually verify inception dates from Fund Fact Sheets. In the example given from this article, all three (3) funds have the same inception dates, and the author used the equity fund of one insurance company. But you will identify in the link I posted earlier that there are actually VUL Funds that perform better than their counterparts, and these VUL Funds are even superior than Mutual and UITF fund counterparts

    Without knowledge of how investments perform, an investor could be committed to an inferior investment and never even know it. An Annualized Return figures the investment’s average annual return or how much the investment has grown on a yearly basis for a specified period of time, while the Absolute Return measures the overall return for the entire period you’ve held the investment since inception date.

    For example, a 5-Year Annualized Return at Year 2018 will tell you how much return your investment has generated on a yearly basis from Year 2013 up to Year 2018 (5-year duration). On the other hand, an Annualized Return Since Inception will tell you the average annual return of your investment since the inception date, hence if the fund’s inception date is Year 2009, that would be average annual return for nine (9) years. Therefore, Annualized Returns are very useful when you want to compare two different funds or investment vehicles (of the same category) where time duration and/or inception dates are different.

    Each Insurance and Investment Company will show you numbers in the way they look attractive to them to sell it to you. But in my experience, annualized returns (with consideration of Assets Under Management) are the most effective way to calculate the returns and compare fund performance of different Variable Life (VUL)-investment linked products.

    Thanks

    Reply
    • Hi sir keil can you share with us the table that you made for comparison since I am planning to get an insurance within the year.

      Thank you

      Reply
  4. Hi Ms. Fehl
    Base on this article. Is this 100k is just one time investment and only 3 years maturity? No monthly dues? B’coz I want this type of investment if there is no monthly dues. What is the name or type of this kind of investment?
    Tnx&Regards,
    Donnie

    Reply
  5. Hi ms fehl,

    I just read the thread re po sa vuls and other investment schemes. Im being offered po kasi of vul. But a bit hesitant. I am 29 years old, and is about to get married in 2 years time. I am currently employed with insurance benefit kaya im hesitant to have investment+insurance and just invest na lang in uitf/mutual fund. However Im thinking if mag resign ako and mwala yung insurance coverage(both life and health) although iniisip ko rn na im single pa nman. Kindlyhelp advise po. Thank you.

    Reply
    • Hi Christine,
      I hope it’s ok if I answer this one for you po.
      To help you decide, why don’t you ask for a Term Life insurance quote from an agent which equals the Face value of the VUL that you are being offered with. Since you did not mention how much is the Total face value of the VUL that they are offering you, let’s assume it’s approx. 2M at 42K annually (at 3,500 per month).

      You can ask for a separate Level Term Life insurance quote with the same face value of 2M and see how much that will cost you. You’ll probably be surprised that it will be around 10-12 times cheaper compared to VUL, as long as you don’t get too many riders.
      Then you can invest the rest in either UITF’s or Mutual funds. You’ll get higher returns by investing the difference yourself in a separate investment. Just a suggestion po. Hope this helps.

      Reply
  6. hi po, i’m planning sana to invest sa BDO UITF equity fund, will it affect my investment po ba if very little or very basic lng ang knowledge mo about UITF before investing? i have more than 100k po kasi sa regular savings account na natutulog lng more than 5 years na and i regret ngayon ko lng nalaman about sa mga ganitong investments. Is it possible po ba na malugi ang ininvest ko kahit na ilong term investment ko siya? At ok lng po ba na itransfer ko at once yung balance ko or if better mag start ako sa minimum investment like 10k lang? Sorry po if marami akong tanong and sana po maliwanagan nyo ako. thnk you and more power. =)

    Reply
    • U better keep ur money , and dont invest anyone of them ,u better used ur money for a business im sure ur 100k will become 300k in one year ,u only have to do is pray and ask God what kind of business u build God will answer , the anvantage is u see clearly how to flow ur money in ur own rule than to trust to professional fund manager , maliwanag na ba?

      Reply
  7. Hi, I’m curious and want to know if anyone has ever lose money in mutual funds? Like in 3 year span example, i will invest 100k is there a percentage that i will really earn more money than lose? Thank you for the answer.

    Reply
    • From my experience, I didn’t yet lose any money from Mutual Funds. I have 3 right now and they still have gains even though the market is not performing well.

      Reply
      • Hi, may i know where you invested your funds? Im starting to invest in money market soon and would appreciate a good recommendation. Thank you.

        Reply
    • Dear Julio,
      I have saved in several difgerent funds and lost lots.
      Problem is the market cannot be predicted.
      In end of 90s IT was going great, as I saw how nice it was, I decided to invest in IT, in just 1 month + 30 %
      Then came IT crash and in a very short time most money was gone.

      Some other funds I still decided to keep though and thought it come back up again, but then came the bank crash in 2006 and 2008 or so, and lots of that money was gone too.

      Save money and use it for what you need I guess is the best.
      Do not use money for what you want or crave, then it will all be gone.

      Anyways, saving with lower risk is what I do now. Using money market funds with very low interest (but I dont lose money)

      Reply
  8. Hi Ma’am Fehl,

    Just a query, I have a Plan which is Sun FlexiLink. I started to avail this last October 29, 2015 and have paid Php 6,000 quarterly. Now my fund value is only Php18,574.68. Is it possible to withdraw this as I observed that my money is decreasing and not growing. I am planning to withdraw this remaining fund value and will start to invest purely on stock market. Please advise

    And also my fiance have started to avail this plan last November 2015 and have paid Php4,500.00 quarterly however to our surprise we have found out and to our surprise that she has only Php -344.00 (negative fund value when we check her account online website.
    Does she still have a money left in her Sunlife to withdraw?

    Hope you can answer all our queries. Thanks much

    Reply
    • Hi, pag VUL kasi may insurance mix + investment kaya ang fund na pinapasok ay may portion sa insurance and investment kaya usually yung expectation ng investor ay di namimeet. However, pag inexplain yan nang mabuti ng agent, ok yan. I will be making a review about my VUL sa Sun Life here in Philpad para full detailed ko maexplain why I choose to invest padin sa ganong insurance. See you there 🙂

      Reply
  9. Hi mam fehl, 1st i’ll like to thank you & more power. Very informative ung blog mo..
    I just want to ask.
    1. .last year I got a vul in prulife uk ..15 yrs to pay annual prem is 47,227 basic cover is 1m…but now I realise na sobrang tagal po pla ng 15yrs…at my age po last 41 na…prang gusto ko na po i cancell or i widraw…to invest ma lang po sa uitf or mutual fund
    2. I have my 2 kids….gusto ko po sanang ipag lagay sa banko sa uitf kahit 15k what kind png uitf po kya?…or much better po ba sa mutual fund po?
    Please help me or guide me mam….gusto ko din ma secure future po ng kids at same time pagtanda ko po may income padin me..thank you so.much & more power mam

    Reply
  10. hi maam Fehl… good day poh… I am 28 yrs old n poh… last april 2016… I started to invest my 100k in BPI-philam and I decided to pay 100k annually.. this investment is 5 years to pay… after 5 years of paying and already completed my premium. I will wait for another 5 years before I can withdraw all of my money… but in case of emergency especially when my money is badly needed in some cases… can I withdraw all of my money even though I still didn’t complete my 5 years of payment?? and what are the risk of this kind of investment… my investment poh is my ksmang insurance.. and it is belong poh s VUL…

    looking forward poh s inyong advice..
    Godbless and more power….

    Reply
      • question ko ito. halimbawa si fund manager A ng Metrobank, may mga investors (X,Y,Z) invested nya sa mining specific sa Abra, then may another batch of investors ulet (M,V,P) invested naman niya yung pera sa Lepanto. ang tanong ko ito may gainers and losers at the end of the day, paano ko malalaman kung yung investment ko lumago o nalugi?

        Reply
  11. Hi, Fehl, first of all thank you very much for your effort for giving us an ideas about investment its really appreciated.
    Actually, me and my wife have already VUL SGL-Opportunity Fund (RCBC) for almost 3 yrs now (500k/each). Can you please tell us how our money grows at his stage. Thanks!

    Reply
  12. Hello Fehl I would like to know if it is possible to invest 100,000.00 pesos in “one shot” in a UITF account and keep it invested there for few years? I know that in BDO you can invest monthly & they auto debit your money but what if you only want to do it all at once? Would that be possible?

    Thank You!

    Reply
  13. Hi Ms. Fehl. Thanks for the informative post.

    Can you help me with my situation? I have 30,000 which i plan to invest and additional monthly saving of around 3,000-5,000 for the same purpose. I have no immediate plans for this saving, I just want to save and hopefully get a good return from it. Where do you think should I invest it? Thank you in advance Ms. Fehl!

    Btw, I’m more of an average investor when it comes to risk appetite. maybe leaning towards conservative mainly because lack of familiarity of these kind of investments. Again thanks Ms. Fehl.

    Reply
    • You can invest them on Balanced Funds. These funds are suitable for semi aggressive types and if you won’t be needing your money right away because you want to build more profit from it

      Reply
  14. Miss Fehl, last october i invested at bpi, which is philippine high dividend , i deposited 30,000 that time the navpu was 123, thnx God as of today the mavpu is 129.72. thank you Miss Fehl , for your knowledge that you shared to us.

    Reply
  15. Hi Fehl,

    Good day just come across to your blog and am interested to join this idea.

    By the way how to start in Philequity can you help me.-Thank you

    Cheers,

    Ayts

    Reply
  16. Hi there,

    Thanks for the very informative article! I have a little bit of passive income in the Philippines that I would like to invest. Have ETFs and mutual funds here in Canada so my idea is to invest in mutual funds there as they are more familiar.

    But what are the actual differences between mutual funds (in the Philippines) and UITFs and VULs…eg would a UITF pay dividends from equity like mutual fund? Also, are your figures in the article before or after MER and management costs?

    Thanks in advance, will subscribe to this website.

    Regards,

    Eric

    Reply
  17. Hi Fehl, I have all of my savings just sitting in the bank, then around 25% of it is in time deposit (2 accounts – 1 small account that I renew every year and 1 big account that I renew every 6 months). When my friend learned about it he told me to invest my money rather than leave it sitting in the bank. What can you suggest I invest in? Thanks!

    Reply
  18. Hi ms Fehl! Let me thank you first for sharing your knowledge with us, really inspires me to put my hard earned money in the right place.I am currently working here in Qatar and am planning to invest in mutual fund with 5 year horizon when I take my vacation this year. But I’m kinda hesitant because of the global ecomonic instability. Would you recommend me to start investing now considering the global economic status or wait for it to stabilize? any thoughts? Thanks in advance!

    Reply
  19. hi ms. fehl. i just recently invested in sunlife VUL. now that i got my insurance covered. im thinking of investing some money. but im not sure where to invest. which do you think is better, sunlife’s mutual fund or bank uitf?

    Reply
  20. Ms. Fehl

    Please help. Nalilito talaga ako sa UITF and MF.

    Planning to open UITF (money or balance market), kapag nag invest po ako monthly for 1-3 years.

    *ok lang po bang di monthly mag top up or add ng placement?

    * can i get my profit/kita agad or need talaga tapusin holding period?

    * cash ko ba makukuha or do i need to sell pa my units?

    Sana po masagot mo ito. Thanks in advance

    Reply
    • Hi. Yes, for MF you have the choice when to add funds. For UITF, it depends on the kind of UITF. If you redeem before the holding period, you’ll be charged early redemption fee. Converted to cash according to NAVPU

      Reply
  21. Hi Ms. Fehl,

    I just want to clarify. Yung figures po na nasa itaas, ito lang po yung Return of Investment from 100k tama po? Pero hindi pa po dito kasama yung makukuha sa Insurance from VUL in case may mangyari sa isang tao? Kumbaga mas maliit yung profit sa VUL pero kasama kasi sa binabayaran mo yung Insurance? Thank you!

    Reply
    • You could also lose it because a mutual fund company is also considered a corporation in a business sense but if you have chosen one of the best in the country that is very established like Sun Life, Philam (PAMI), Philequity etc. you won’t go that way

      Reply
  22. Hi Ms. Fehl,

    Just wanted to ask, if I do not have an insurance yet but I do really like to invest in stock market, is it right to invest first in the stock market rather than VUL? My friends are always telling me to avail a VUL but I am hesitant as of now.. What advice can you give to me as an experienced investor?

    Thanks a lot in advance and God bless!

    Reply
    • Hi. VUL is Investment + Insurance so you need more funds for it, if you want stocks only, you are free to go below or beyond your monthly budget. The answer depends upon on your objective as an investor, your investment knowledge, your risk appetite and your capital. With VUL, you have to pay premiums and they are usually expensive but the good thing is you are covered with diff. insurance.

      Reply
  23. Hi Ms Fehl.
    Thanks for the informative blog. Im juat learning how to invest in mutual fund same as stocks. If im going to join in mutual fund which company is better?pgilequity or sunlife, because im a bit confuse on the charges in mf.

    Reply
    • It depends on the type of fund suitable to your Risk Profile and investment horizon. You can also check out our review about different Mutual Funds at dailypik.com

      Reply
      • hi ms.fehl,
        your blog is very helpful especially for us OFW’s. i’m planning to invest in mutual fund with a 3-5yr investment horizon..perhaps u could enlighten me do i need to just let it grow there or topping it up monthly is advisable?also ano po ung difference sa redeeming and selling my shares?i read once na if u don’t sell your shares wla dn kita ung investment?

        Reply
  24. I am OFW age 42, I plan to invest 100,000.00 in mutual Fund, long term, Kindly advise me, what kind of mutual fund ang pede kong applyan at anong mutual fund company

    Thanks

    Reply
  25. Hi there!

    I was invested at insular life assurance company for 10 years started last April 16. 2012 for 38,000 annually. I have Financial adviser and he recommended equity fund for long term investment and have 500,000 insurance coverage benefits.
    Mam Fehl, what can u advise for this type of investment and their company. Please enlighten me. Thanks God Bless.

    Reply
  26. Hello there,
    I’ve decided to do a gearing for a BPI UITF despite the relative risk I could face when borrowing to invest. I understand how the concept works for a Trust Fund but based on the chart on this post, is the return calculated on a one-time investment or is it calculated through an investment over time such as monthly deposits to the fund. Basically I’m asking do I have to invest a 100K once or invest 100k and add funds overtime in a monthly manner?

    Reply
  27. Hi fehl, here again for financial advice. Thanks for this very helpful blog. I have been through a lot of financial roller coaster since I was in my 20s where I invested my hard earned money in pre-need plan, educational plan for my kids and networking business for which I get nothing after years of putting my money into it, the insurance company closed down and networking as you know was such a dumb decision :(. Now that I am in my 40s, I am being offered to invest in Insular Life’s VUL. I am really hesitant to go into those kind of investment as I still have that fear of losing my hard earned money but I am still wiling to take another chance. Ten years is such a long time but I want this product because of the insurance and investment components instead of letting my savings sleep in a deposit account. What can you suggest?

    Reply
    • Having an insurance is important so have it above all. If you have extra money, you can then add other investments like Mutual Funds and stocks

      Reply
  28. Hi Fehl,

    I am retired ofw 57 years old and have around 800k extra cash for investment which we can use in the future.

    Can you please guide me where I can invest my money considering my age and I have around 10m networth assets.

    Appreciate your reply and guidance so we can invest our hard money my wife and I save for many years when we were an OFW, which we just arrived back home in the Philippines.

    More power Fehl and god bless you for your continued financial advise to us.

    Andre

    Reply
    • In your status, I recommend Mutual Fund like Bond Funds or Balanced Funds. You can keep them for 2 years or so and redeem when you want. At 60 I’m sure you’ll have pension from SSS as an OFW. I hope so 🙂

      Reply
  29. Hi Ms Fel. I’m already 54 and would like to sek ur advise whether to get a VUL or just UITF. The Metrobank agent advuse me that since VUL is quite expensive I can get UITF and have a separate insurance instead.but i read in one if ur comments that if One has Pagibig n sss, that would be enough for insurance coverage. At mg age, what is the best investment UITF or MF, equity or balanced fund. I’ m quite late already, Imjust want to have some savings before i reached 70. Thanks

    Reply
    • If you are looking for an insurance with million of coverage, you can get one offered at Metrobank. In your case, Balanced Fund would be good

      Reply
  30. Very helpful article! On average and majority of statistics; which is better in yielding returns, MF, UITF or directly into stock market via let’s say COL? Regardless of the person, age, income ,etc. Just please give me an idea in general. 🙂 I hope to hear from you. Thanks very much!

    Reply
  31. Hi Fehl i read your articles i’m interested to know about mutual fund and other investment like stock market. can you explain to me everything. i’m a newbie when it comes in this investment. thank you!

    Reply
  32. Hi Ms Fehl. Good day po. I am a newbie investor. Tanong ko lang po, If I have multiple 100k..should I invest in mutual funds one time only or monthly? Second question po..I’ve noticed that the PSE is down at 7400..Is it advantage to buy mutual funds? Thank you po.

    Reply
    • Hi Fehl..after reading all the comments, I found out the answer to my question 🙂 thanks to your blog about one time investing or pca..

      Reply
    • Hi. Investing one time is good if you can take the risks or you won’t need the money right away. It’s always up to you. Yes, if the PSEI is down more likely cheap ang shares sa Equity Funds so if you have EF mutual fund, you take that as an advantage

      Reply
  33. Hi Fehl,

    Long time lurker here and a newbie in starting UITF investment. I have several questions:

    1) regarding investing in dollar bonds: With the expected increase in the US interest rate by the fed reserve, how will this affect UITF $ bond investment? Should I invest right now while the interest is low or wait for the increase? Which is the more appropriate strategy? or is $ bond not a good investment right now?
    2) How will the increase in US interest rate affect $ UITF investment in the money market? and Equity?
    3) Which denominated currency (Peso or Dollar) is best to invest in UITF (specifically money market, bonds and equity) right now?

    Thank you. Looking forward to your response.

    Reply
    • Hi. Rise of interest rate by the Fed reserve would upset the economy and the global financial world so investments will be on sentiments. If you’re into $ bond fund, I’d say analyze your fund’s Fund Fact Sheets and prospectus, check out your fund’s allocation or holdings. Check the maturity of the bonds involved in your UITF investments. The longer the maturity, the more losses when interest rates increased.
      2. It could upset investments
      3. Depends upon the investor. If you’re earning dollars and you live in the Philippines, I’d say have your dollars exchanged into pesos and avoid exchanging at the bank. Some local money changers pay higher than banks because banks are wise. Invest on pesos still. Win for you and win for the economy. 🙂

      Reply
  34. Hi ms fehl. Tanong ko lang ang pera ko ay dollar. Gusto kung maginvest ng uitf or mutual funds. Ano bang mgandang investment na gamit ang US dollar? Maganda ba mag invest sa US equity fund gamit ang dollar or iconvert na lang dollar sa peso para iinvest sa phil equity funds. Salamat! Sana masagot mo agad.

    Reply
  35. hi ms Fehl,
    i’m, reading your blog frm 8am til nw 12;30 pm,felt hungry already,1st time to read in investment,no knowledge about it,former ofw 3 years nw in pinas,got scam already in networking(UpwarmUnlimited)&(MLM),now i dont want any mistakes.i have left 400k+ in BDO saving acct.plan to invest in UITF Equity fund,i is a sure way of investment 3-5 years,though there some risk as read in your blog.want one time payment of 200k as my plan but do i need to monitor my invesment?,nkikita ko kc s bdo&bpi commercia nila double your money program, should i wait also in sept. kc sabi mo ms mganda that month.help me po 42 yrs old npo ako need for my future,.got my insurance nrin sa PNB financial Life Plan matured nrin.advise po where to put my another 200k n may high monthly interest as my monthly expenses.Invest lng for my future and my 2 kids. thanks a lot…frm now on i will keep reading your blog..God Bless Us.

    Reply
  36. hi ms fehl

    gusto ko sana mag invest ano pong ma issuggest nyo po sakin sa newbie na tulad ko,, 22yrs old working abroad,,

    mutual and uitf,

    Reply
  37. Hello miss fehl,

    Ano masasabi u po sa gererali life insurance n inioffer sa bdo. Need po ng advice mo? Thank you.

    Reply
    • Life insurance are helpful to everyone who doesn’t have insurance products yet. Just study the coverage, benefits and premiums associated with the life insurance before you sign anything. Usually pamahal ng pamahal ang premiums pag patanda ng patanda ang tao

      Reply
  38. Hi Miss Fehl!

    I already have SALEF with FAMI. Now, I’m planning to get a loan sa SSS and invest it sa UITF. Reason is that, i’m still on my mid 20s and medyo hirap mag ipon since magastos pa. Naisip ko, if I’ll be getting a loan, at least derecho deducted na sa salary. What are your thoughts on this?

    Also, if ever makapagloan ako, I’m planning to diversify my portfolio so Im planning to invest in UITF. Hindi ba magiging redundant if I choose equuity funds pa din or should I go to other types naman like Bonds fund?

    Thank you.

    Reply
    • I don’t suggest getting a loan to invest because investment have risks and loans have high interest rates to pay. Loss kana umpisa palang unless your investments made 50% gains in just 6 months

      Reply
  39. Hi there,

    I think you have to factor in the fees! MFs, do have 3.5% saled load and that’s the reason why I got into UITFs. I do think it hurts a lot, since everytime you have a transaction to any distributor, they charge you with this ridiculous amount, as opposed to ZERO charge when buying units in a UITF. So, in my personal opinion, UITFs are better since apart from having your investment diversified, you got to get the least amount of charging fees (only management fees annually). With this, I do believe MFs distributors will go bankrupt since COL will be offering MFs quite soon.

    Reply
    • You can diversify with MF as well but I agree with you that the fees are higher. It’s taking too long for COL’s Mutual Fund service. I hope it will be soonest 🙂

      Reply
  40. Hi Ms. Fehl,

    Thanks for this wonderful blog as i’m become interested in investing my money and not letting it “sleep” in my bank account. I’m currently 23, no family yet and earning 45k~ a month. Where do you think i could invest the best? I was offered a week ago of VUL but not sure about getting it. What are your thoughts? 🙂

    Reply
    • You’re young and it’s a great time to start investing. VUL is good especially if you don’t have Life Insurance yet. If you already have insurance, go for UITF or MF. Get to know more about investments and never stop learning, then invest on stocks. 🙂

      Reply
      • Thanks for the suggestions, Ms. Fehl. Do you have any preference in terms on where should i invest? 🙂 I’m thinking about MF and starting for 100k at the least. Would that be a good plan?

        Reply
  41. hi miss fehl,
    i am a govt. employee planning to loan a specific amount from a bank to invest and make profit from it. i am mid 30’s. wat kind of investment you would recommend for me?..do i still have a gain or loss from it, or it is just a break even?..
    am looking forward that you can help my queries bout this..
    thank you and God Bless!!!!

    Reply
    • Hi. I don’t recommend getting a loan and then investing it because you’ll be having liabilities + investment risk. Just work and invest 20% of your salary every month. In 10 years, you’ll have millions without debts. You don’t win when you break even

      Reply
  42. Hi Ms. Fehl,

    I have a couple of hundreds of dollars in my pocket. I’m planning to invest it sooner or later in a dollar bond/equity. But right now, I want to put it in a dollar account. Is it a good investment? If yes, which bank should I invest into? Thanks

    Reply
    • Bond Funds are good and not risky. Equities are and dollar is volatile. I heard about USD forecast to reach 46Php. It’s up to you

      Reply
  43. HI Ms. Fehl,

    I joined SECB UITF last January. But from what I can see, the stock market is having a down month this April which I feel affects SECB UITF. Should I be worried or should I be more aggressive to buy more lots? Thank you

    Reply
  44. hi ms fehl,
    im planning to open a MF equity in Philequity. do i need a financial adviser or can i process it on my own w/o paying sales load s adviser? or still mgbbyad prin ako ng sales load even wlang adviser. thanks!

    Reply
    • Every Mutual Fund has sales load and other fees. Just review the options offered by Philequity. You don’t need and adviser if you know already what you’re getting into

      Reply
  45. hi fehl..i’m a working student.i would like to ask if investing in a mutual fund will be advisable for me.i would like to grow my money as early as today and i am very interested in investment but i am not aggressive enough for stock market.

    Reply
  46. Hi, Fehl. Your blog is so helpful and informative. Thanks for the invaluable info. I have a question I hope you could help me with. I am 41 yrs old, single with no dependents. I bought a Sunlife VUL last year and have already spent 36k. The monthly premium is 3k. The face amount is 500k. I still have 9 years to go to pay the premiums. The fund is a pseo-balanced fund. Meanwhile, I started studying stock investing 2 months ago and learnt and realised a lot. I am now investing in the stock market and a TRC member, investing for my retirement. Should I continue with my VUL or just terminate it and just directly invest? It’s fine with me to let go of the 36k if I would gain more in the stock market in the next 9 years. If you were me, what would you do? Thanks for your help. — Mike

    Reply
    • It’s up to you if you are comfortable paying it in 9 years time. 🙂 VUL has insurance so you or your loved ones can benefit from it too in case of something happened to you. You can stop if you already have other insurance. You can also follow our stock picks for free at Dailypik

      Reply
    • It’s up to you if you are comfortable paying it in 9 years time. 🙂 VUL has insurance so you or your loved ones can benefit from it too in case of something happened to you. You can stop if you already have other insurance. You can also follow our stock picks for free at Dailypik

      Reply
      • hi fehl just read ur blog! wow! big help for me! just decided to invest VUL. i am OFW turning 34. kindly help which VUL good to invest intetnationally.. thank u in advance..- gay

        Reply
          • Hi Fehl,

            I’ve been reading your blogs for 9 hours now. I’ve learned a lot! Please continue doing this, readers here can have advanced financial literacy just by reading your blogs.

            @gay You can shoot me an email if you’re interested in investing on VUL. I’m a sun life financial advisor. 🙂

  47. Hi, miss fehl,.
    pa advice naman po ng inquire ko. since pauwi po ako ng pinas for vacation and need to decide where to put my account at gusto ko mag invest.
    thank you po.

    Reply
  48. Hi Fehl,
    There is a saying, “….its never too late”. I have bought stocks decades ago, like Liberty comm, Asiatrust, Prime east, Mondragon, Holcim, Patron, I am holding on them right now. I bought them thinking that now with my age I thought these stocks are now higher value than when I bought them more than decades ago. I never asked how it works from my uncles (now in their next life) who were successful stock market traders/investors. As I read these comments, now I realized that I should have continuously bought shares. Now I am in my mid 50’s, any advise or blessings you can share with me, that I can still invest in stocks? Mutual funds? Or UITF? Possibly Forex too? Thank you for your concerns…:-)

    Reply
    • Hi, Larry. Since you are in your 50’s you can invest Mutual Funds or UITF instead of investing PSE stocks because it’s a time when you focus more on money security than taking risks. There are MF and UITF that invest on equities when the stock market is a little low and shifts to other money instruments when the stock market is on a high point.

      Reply
  49. Hi Fehl,

    Good day!! Hingi lang po ako ng advice regarding investment, actually po, meron nko sa BDO Money Market Fund about 250K, nag strat lang ako last Dec. 2014, meron din kc akong 3k dollar account sa Metrobank which is plano ko din sanang ilagay sa investment fund, do you think po ba na sa Metrobank itself ko na ilagay na money market nila or mas magandang I-pullout ko at ilagay sa ibang investment or if ever naman na sa metrobank anu pong investment fund ko ilalagay? isa po akong ofw at naghahanda lang din po for my retirement, nsa 42 y/o n po kc ako…Please advise po.
    Salamat po and God Bless!!

    Reply
    • Hi, it depends upon you. If you can take higher risks than that, invest them on Balanced Fund. Metrobank has that but BDO and SECB are better right now

      Reply
  50. Hi, Ms. Fehl, thanks for this post. It’s informative and helpful for person like me who still has to gain knowledge on investing. My question is whether it is advisable to buy shares now even if NAVPU decreased. Is it wise to open a Security Bank Equity Fund now?

    Reply
      • May nabalitaan po kasi ako na bumababa ang PSEi. You mean, mas maganda po na mag-investment kapag ganito ang market?

        Binisita ko po ‘yung BDO NAVPUs ng balanced fund at napansin kong pababa nang pababa, ibig sabihin po ba nito ay I can take advantage of it?

        Reply
  51. Hi ms fehl, do u have any info about security bank uitf in equity.the navpu is going down despite an up market last week.thank you i am also following your blog.

    Reply
  52. wow! I have a lot of questions about investing, but I have to ask it soon. By now, I just wanna thank you for all of these. I am an avid reader of your post and I learned so much from you… I started to love you Fehl.. more power!

    Reply
  53. Hi Ms. Fehl, Can I ask for your opinion about AXA Philippines? August 2014 a friend agent offered me the Axa insurance (Axelerator), not fully understand my plan but still I applied and started paying my monthly contribution of P2,750. So my total contribution up to date is P16,500 but my NAV is P8,000k plus only. Should I continue? I think Axelerator Fund, some of the fund is invested in Philippine Wealth Equity. What can you say about the performance of AXA? How I wish I just invested my money in Sun Life 🙁

    Reply
    • Hi. AXA is an affiliate of Metrobank and it is focused on life insurance + investment. If you have a family already, having insurance is great for the future of your loved ones in case something bad happened to you. If you selected Wealth Equity, I think it’s great because it has the highest earning potential but you have to maintain your investment for 5 years to fully enjoy the high profit of it. Gains from Equity Funds are mostly seen in the time frame of 3 years and up. If you can afford the premiums which are kinda expensive, I’d say continue it but if the premiums are too heavy for you, choose Mutual Funds instead and look for some insurance of your choice you’re comfortable with. God bless!

      Reply
  54. Hi nag invest po ako sa bdo just started last dec, vul po ang kinuha ko 7000 every month for 5 years alin po ba mas ok vul or mutual fund? Thanks

    Reply
      • hi good morning…
        just read ur blog and soooo big help for me!:)
        i am planning kac to get VUL. i am OFW po..
        any suggestion best VUL for me?
        appreciated ur reply..thank you

        Reply
  55. Hi Fehl,

    After reading your stuff, it really got me interested in trying to invest. pero magsstart pa lang kasi ako magkawork, may mga tanong lang ako.

    1. Pede bang mataasan ung regular contributions ko sa BDO EIP from 1k monthly to 5k monthly? In case na tumaas sahod ko.

    2. Ano mangyayari kung d na ko makadeposit tsaka d na sapat laman ng savings account ko for EIP? In case naman na mawalan ako ng trabaho.

    Thanks! keep posting helpful articles

    Reply
    • @Dante

      For your number 1 concern, yes you can increase your monthly contribution on EIP.

      For your number 2 concern, If the times comes that you can no longer sustain the monthly contribution then make a request from BDO to take out that EIP feature and just let your investment stay for 5 to 10 years. However, if you want to add more cash they will require you a minimum of 10k since you are no longer enrolled in EIP.

      Reply
    • Hi. If you want any update or change in your EIP, you can go to the BDO branch where you opened it and submit update form. Tell teh banker what your purpose is.
      2. Your EIP placement would likely stop coz you have no enough source fund. It’s your responsibility to make sure you have enough funds if you opened EIP in the first place 🙂

      Reply
  56. Hi Fehl,

    I just finished reading this article along with the inquisitive comments and the enlightening advises. I started investing last year…dipping my hands at UITFs…I read this book on investing (for dummies) … and the advise given there was like to place majority of your assets on money market funds. So I looked for a UITF in BPI with the tag “money market” and placed a bulk of money there…after a year…it gave me a measly profit! Yesterday, I withdrew it everything in that money market uitf…

    Now, I have an extra amount … 300k to be exact – ready for investing…please enlighten me which UITF should I place it in. Or better yet, if you had that kind of extra funds – how would you invest it?

    I pray you give my concern your preferential attention. =) I will be waiting. Thanks and more power to your blog!

    Kirby

    Reply
    • Hi, Kirby. If you want to invest 300K for UITF, Security Bank, PNB and BDO are what I recommend because of their great performance recently. I see that you prefer Money Market Funds, if you want higher return, opt for Equity Funds instead and invest your funds for 3 years or 5 years

      Reply
      • Hi Ma’am FEHL,

        Thanks to you, now I’m already into buying stocks as well. I followed the magic 10 formula. It took a while but now, I’m seeing GREEN in all the stocks I acquired. I do have one question though: IF I DECIDE TO SELL THESE STOCKS, WILL THERE BE AN “INSTANT” BUYER RIGHT AWAY? I mean what is the time frame that we are looking at here? I’m just concerned because just in case I need some liquid cash right away – and I need to sell some of my stocks — will I be able to convert them right away? Or do I have to wait until some random guy decides to buy my stock? 🙁

        Thanks for taking the time to read this. I shall wait for your reply. God bless you always!

        KIRBY

        Reply
        • Hi Joseph. The 10 stocks from our Magic 10 were carefully selected and they are always premium stocks. Yes, you’ll be able to sell in just millisecond provided you sell of course at the BID board at the moment. Check out our post about “How to Sell Stocks Online” post at our STOCKS Menu

          Reply
  57. Hi ms fehl, medyo nguguluhan ako on where to invest my money. Currently i’m working abroad but i want to invest some of my savings dyan sa pinas. Since personal appearance is impossible for me i want to try to nvest thru online investments like col financial. Is it the right thing to do or can you suggest a better way to invest my money? Thank you and God bless.

    Reply
    • Hi. Yes, you can start investing in the stock market instead of mutual funds. Earnings in the stock market is very rewarding although some people are afraid. The best thing to do is learn the basics and invest only blue-chip companies. Read our STOCKS posts to learn the basics. God bless!

      Reply
  58. Same with alvin, I placed an EF investment with SecBank just last December and so far the gains are good. I am slowly pullng out some of my UITF investments with BDO. I also noticed BDO is not performing as well as before with their UITFs. I still have two Balanced Funds with BDO which I placed both in May 2013 and are consistently at paper loss until to date. When I used SB’s calculator for their Asset Variety Fund and checked if I have placed the same amounts with them on the same dates in 2013, my funds would have produced a combined P50K plus gains at present. So much time and unrealized income were lost. Now, I’m decided to pull out my Balanced Funds from BDO the moment it beaks even hopefully any day now, and open another UITF account with SB. Also, with Philequity and COL Financial. Want to be more aggressive this time and know more about the stock market first-hand. Thanks a lot for a very helpful blog, fehl. Will be a regular reader of yours from hereon.

    Reply
  59. ms fehl.
    kindly advise us where to invest some of our buffer or emergency fund which is a little bit bloated. monthly living allowance x 12. 200k x 12 equals 2.4M
    from my readings, some financial advisers say we may invest in a short term fixed income fund because money market funds have very low rates of return.thnks so much 4 ur blog.god bless.

    Reply
    • Depending on your goal and risk appetite, I recommend Mutual Funds. If you’re aggressive, go for equity funds, the return is biggest. If you’re in between conservative and aggressive, go for balanced fund

      Reply
  60. I invested last year sa security bank uitf equity fund at based on last year performance natalo nito ang uitf of other banks like bdo at bpi. Sa palagay nyo po magtutuloy tuloy yung pagiging no.1 nito?
    napansin ko po kasi that BDO is not doing good in uitf kaya nilipat kaya winithdraw ko yung investment ko sa BDO at nilipat sa Security Bank. At naimpress ako sa uitf performance ng SB.

    Reply
    • Yes, Security Bank’s Equity Fund UITF is performing so great because they are very aggressive compared to other banks’ style. I heard their TO is so young compared to others

      Reply
  61. Hi Maam. Do u know anyone po from COL na nag aasist ng ofw para sa pag open ng account? Thanks po. Yout blog is realky a big help. God Bless U. 🙂

    Reply
    • Hi. COL will email you once you sent the forms and they received them. We have a post about opening COL Financial account here in case you want to know the process and how I did it.

      Reply
  62. Hi Miss Fehl,

    Napakaganda ng Blog nyo at very educational para sa aming mga nag nanais mag invest. Ask ko lang po sana kung ano ang palagay nyo sa Metrobank Equity Fund? Sa kanila po kasi kami may account kaya naiisip namin na sa kanila mag invest. OFW po kami mag asawa ing mid-30’s na may 3 anak. Anong klaseng investment po ang maipapayo nyo samin? Maraming salamat po.

    Reply
    • Hi. You can open Mutual Funds sa Metrobank via their FAMI (First Asset Management Inc.). OK naman ang MF nila. I like their Save & Learn Equity Fund because of 22% 5-yr return. If conservative ka, try mo ang Balanced Fund nila or Fixed Income Fund. If aggressive ka like me, try Equity Fund

      Reply
  63. Hi Miss Fehl,

    Good Day.

    Thanks so much for this post. I have my SDA before but since BSP removed/abolished SDA, I was hesitant going to Money Markets.

    However, when I came to your posts since last year, It helped me broaden my financial knowledge. I admit I’m already mid 30s but I should have engaged on such things during my 20s… still it’s never too late for me to invest. Currently I’m with multiple UITFs via PNB (kasi I’m abroad and I have an account there which I can easily enroll without any physical presence).

    Question po with regards to your response to the user “sweet angel”, I would just like to know if you recommend any brokers in PH that can I enroll to without having to go there physically to pass the requirements? (abroad kasi ako pero I usually remit to my accounts in PH)

    Thanks so much.

    Reply
    • Hi Ernst. Thank you for visiting. I recommend COL Financial coz I have great experience with them and I opened my account online. Yes, without going there in person. I think major stockbrokers here allow that naman as long as you submit the docs required. When I opened my account with COL, I sent the forms and docs via courier (LBC). Since you live abroad, you can do that too, using Fedex or other services. I have another post here how I did it. Just go over our STOCKS tab above to find the article. Cheers!

      Reply
  64. Ms fehl ask ko lang kung magsstart akong maginvest sa MF like sa example mo, 100k ihuhulog ko ba sya ng isang bigayan lang or monthly ko idedeposit? is there any difference kung ihulog ko ng isang deposit lang kesa sa monthly? thanks!

    Reply
  65. Hello, Ms. Fhel, saamat sa Dios at nanjan ang mga katulad mong tao na tulungan ang mga kapwa pilipino maging financially literate. Honestly, Im 29 years old at ngayon ko lang nalaman ang tungkol sa mga investments, I never learned these things in school. Hope you will continue to have good health so you can share knowledge to our fellow filipinos.

    Reply
  66. Question: Was there an incident that someone invested then returning negative hanggang sa naubos na lang ng company ung fund ng investor?

    Reply
    • Not that I know so far coz we only invest with big companies. If the name of the company doesn’t ring a bell, do a massive research. That is why we recommend investing to the top companies who have decent and professional record in the business. We list the best companies every year here.

      Reply
  67. mutual fund seems the best investment vehicle among the 3 mentioned above. if we are in our 30’s or 40’s. mutual fund is our best bet.

    Reply
    • Actually, they are best for younger people too coz they will be damn richer if they started mutual funds before they get 20, 30, and 40 🙂

      Reply
  68. Hello ms fehl!i would like to invest in philequity since pwede po cla online kc im working here abroad.kya lng po pno b un if gusto q monthly like EIP.eh mgastos nmn s charge or commision pg ngpdla pg gnun.kc s bdo nmn kc la p cla online application.nid personal appearance.

    Reply
    • Hi. If you live abroad, I suggest you invest in the stock market directly than mutual funds or uitf. I find more profit from stocks since I invest on bluechip companies. I get dividends every now and then. And there is no residence restriction, you can open stockbroker account even if you live abroad, yes, without personal appearance 🙂

      Reply
      • Hi ms Fehl,
        Wala pa akong masyadong knowledge about stock. but i want to start ivesting soon since by force early retirement ako magbabawas ng empleyado ang company ko here in abroad. lagi ko kasi naririnig sa financial adviser “put your money in stock and leave it there for long time the better” ask ko lang if the company declares dividen can you withdraw it right away or not?

        Reply
        • If you use online stockbroker, when dividends were issued, it will be credited to your account. Yes, you can withdraw your funds in your stockbroker’s platform any office hour you wish.

          Reply
  69. Hi Fehl, thank you for this post, this made me more driven to invest more. Just last year, I enrolled in BDO EIP(Equity Fund) and gaining profits from it. Reading your posts, I am convince that I must widen my investment and eyeing to participate in the stock market (COL as online broker) and thinking also of getting a MF. To diversify and minimize risks, would you suggests that for my MF I invest in other Funds like peso balance? For the stocks, I have 2 options in mind, buy regulary and hold stocks for 8-10 years or play in the market using the SAM of Bro. Bo. What do you think will profit more? Playing and reaping gains using option2 is fun and exciting than waiting to see the profits in my option1. I am more after the profit and open to long term investment. Appreciate your time reading this and thanks in advance. 🙂

    Reply
    • Hi Erin. I’m applying both of your options 1&2. I use Magic 10 method from DailyPik.com. 5 stocks from selected giant companies (monthly, for 10 years), and 5 bluechip undervalued stocks. The last 5 stocks are replenished when they reached the Target Price. Profit is amazing 🙂

      Reply

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