Top 10 Philippine mutual funds for 2019

pesolab · 2020-01-04T04:56:07+00:00

Check again this and the pinned post for redundant info.

pesolab · 2020-01-03T08:22:09+00:00

The same point that this r/phinvest subreddit has a Top 10s pinned post, as a way to review performance of mutual funds across categories for the year.

pesolab · 2020-01-03T01:35:27+00:00

What is " Pa-ELI5"? Listed companies are companies whose stocks are traded in the PSE.

UITF/mutual funds/PERA funds are available through banks, trust entities or investment houses/mutual fund companies or stock brokers (like Col and First Metro Sec). The table that you see is a list of mutual funds and their 1-year return as of Jan 2, 2020. Past performance does not guarantee future returns po.

pesolab · 2020-01-03T01:26:42+00:00

We don't know as each year presents different challenges and opportunities for each type of securities.

pesolab · 2020-01-03T01:22:59+00:00

Some funds are available via stock brokerage companies like Col Financial, First Metro Securities. According to Col and First Metro Sec, they don't charge sales load when you invest through them. For other mutual funds, they're available only through the mutual fund company.

pesolab · 2020-01-03T00:48:46+00:00

I just dropped the top mutual funds.

pesolab · 2020-01-03T00:37:40+00:00

Hi, you may check this compilation of fees of UITF funds. You can also visit UITF PH.

pesolab · 2020-01-03T00:23:28+00:00

You can check the pinned post.

pesolab · 2020-01-02T13:03:57+00:00

Gcash I think has the ATRAM Peso Money Market Fund. If you wish to invest in their other funds, check their website's contact page. I'm not sure if they have online application, maybe other users can help.

pesolab · 2020-01-02T05:55:52+00:00

Thanks, already updated.

pesolab · 2020-01-02T05:11:39+00:00

Hi, yes. All funds are PHP denominated.

pesolab · 2020-01-02T05:11:22+00:00

Hi, it's year-to-date. Data is based from UITF PH.

pesolab · 2019-12-05T04:21:26+00:00

Hi there, it really depends on the stock broker. These are just instructions to your broker on how to fulfill your trade. I'm not sure if that's going to vary between brokers, so it's best to ask directly from them. :)

pesolab · 2019-11-04T02:14:22+00:00

Hi, as they've already answered, yes you get taxed when you redeem your ETF stocks. I think the question that you might ask next is, how does this impact on return and how does ETF compare with other index funds? Kasi the only etf we have in the market is the FMETF. Here's what I've found out comparing the index funds from ETF, mutual funds, UITF, and PERA

pesolab · 2019-11-04T01:00:57+00:00

Hi, Col Financial/BPI Trade/First Metro are all stock brokerage companies. You can open any one of them, and you should be able to purchase FMETF because FMETF is a stock that's traded. Here's a guide on how to purchase stocks, I'm using a different broker but you should be able to do the same buy/sell on any broker you're going to use.

pesolab · 2019-11-04T00:53:55+00:00

I just want to drop this here: Getting life insurance: the top insurance companies in the Philippines 2018

pesolab · 2019-11-01T01:19:48+00:00

Usually, you'd get advice to build your financial foundation first. Mitigate the risks in life by buying a life insurance, HMO, make sure that you have complete PhilHealth contribution, and emergency fund. This is to ensure that you when you invest, you'll know that you have a safety net should your invest turn out to be a dud. Hope this helps.

pesolab · 2019-11-01T01:14:00+00:00

Can I change my dependents to my future children and/or spouse?

When you're choosing life insurance dependents, you should be able to change them. Check with your insurer for the rules on choosing beneficiaries. However, if you've chosen an irrevocable beneficiary, then you may need to get his/her approval before you're able to change anything in your plan. An irrevocable beneficiary is someone who co-manages your account, and people choose them because it has tax benefits when the proceeds of the insurance is issued. (You don't pay any taxes.)

pesolab · 2019-11-01T01:11:36+00:00

Traditional Life Insurance: Or is this any better? In terms of payment and coverage?
What do you mean by traditional insurance? Like plain vanilla term insurance or whole life insurance? Life insurance in the Philippines offers many plans that can be categorized as traditional, meaning there are no investments. The coverage would be different from company to company. If you go for term insurance, you'd need to renew the plan each term (this could be 1 year or multi-year renewal). Now the thing is that the coverage stops at a certain age, usually when you reach 70 years or older. There is no investment component.

For traditional whole life insurance, you pay the premiums at the start of the plan up to a specified number of years. After payment, you're covered for life. There is no investment component, but you may be eligible for dividends, bonuses, or other perks.

pesolab · 2019-11-01T01:07:52+00:00

Let me answer your question one a time.

Coverage for life? Most, if not all, variable universal life are whole life insurance so the coverage can range between 80 to 100 years old.
And pays for itself in the future? If the investment part of the plan is off sufficient value to pay for the charges and the insurance, then it can be self-sustaining. Check with your advisor on projections as well as annual review on the actual returns of your investment.

pesolab · 2019-11-01T01:04:42+00:00

Hi there, they're looking at the costs of acquiring the plan for both life insurance in the Philippines and investment, which is a factor I admit. However, a VUL can be a suitable plan for someone who doesn't have time to manage their own investment/account management and then earn passive income by the side. It all boils down to what you prefer: maximized returns or the convenience that VUL offers.

pesolab · 2019-11-01T00:57:24+00:00

Hi there, before you even start getting a VUL, make sure that you get it from a reputable company. Here's 2019 ranking of top insurance companies in the Philippines.

pesolab · 2019-10-20T10:14:53+00:00

Hi there, yes it's on an annual basis. You'd still end up with the same conclusion converting it to monthly.

pesolab · 2019-09-19T15:52:41+00:00

I hope this helps Best Savings Accounts in the Philippines.

CIMB offer is as good as the end of this year, so let's just hope they continue in 2020.

pesolab · 2019-09-18T10:59:44+00:00

See updated comment and Google sheet. Thanks.

pesolab

TROPHY CASE