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Wednesday, January 14, 2015

8 Advantages of Investing in Mutual Funds in Philippines

Are you investing in mutual funds already?

If you're not investing right now, chances are you haven't read these investing quotes yet?

Mutual funds are one of my favorites simply because everyone can get started investing in it. My 15-year old brother, my client's two-year old son and our family housekeeper can easily start allocating funds for their financial goals hassle-free! 

9 Advantages of Investing in Mutual Funds in Philippines

Why are mutual funds favorable to you? Let me count the ways: 


- For as little as P5,000, you can start investing in mutual funds. This is the same as opening your own passbook savings account, right? 

- If you want to add to your mutual funds regularly, you can do so with a minimum of P1,000. 

Added Investing Power 

- In mutual funds, your resources are pooled together with other investors. 

- You can take advantage of "economies of scale" by negotiating for lower stockbrokerage fees or higher interest rates for fixed-income investments. 

(Read: Investing in Mutual Funds in the Philippines for Beginners)

Accountability & Safety

- Mutual funds are highly regulated by the Securities and Exchange Commission (SEC) under Investment Company Act and its Implementing Rules and Regulations. 

- Mutual fund companies are required to submit regular reports to SEC and to their shareholders like you.

Assortment (Diversification) 

- Mutual funds in the Philippines are designed to spread and manage risks by holding several investment types or companies. 

- A mutual fund is required by law to be invested in various securities. :)

Why hold only BDO bank shares when you can invest in both BPI and BDO in mutual funds? 

Why lend money to only the government when you can lend to both the Republic of the Philippines and to stable Philippine companies at the same time in mutual funds? 

mutual funds philippines

Adept Fund Management 

- For beginners who want to make their money work for them, investing in mutual funds is preferable because full-time fund managers do all the work for you, so you can focus on developing your core skills to potentially increase your cash inflows.

Attractive Long-Term Returns

- In mutual funds, you invest your money for the long-term; you do not trade it recklessly. Opening your own mutual fund account is like starting your own business - you earn money when the companies in your portfolio earn profit or when your borrower pays you back with interest. 

If you have P100,000 and you put it in bank products:

mutual funds philippines

Great, your money grew by 2.47% and 1.95%!

But you know, if you compare it to average annual inflation rate of 3.91%...

mutual fund philippines

You actually lose money because you "gained" negative returns.

But if you put your money in mutual funds, you can potentially beat inflation.

Instead of negative returns, you actually gained positive earnings for your money!

(Read: How do you compute your mutual fund earnings?)

Added Convenience

-  You can open your own mutual fund account by approaching SEC-licensed Certified Investment Solicitors (like me) who provide personal service. 

No need for long bank lines or meticulous signing of paperwork! You can also invest subsequent investments - online. 

For example, in Sun Life's SunLink online, you can: 

  • add to your mutual funds investments anytime and anywhere
  • withdraw or redeem your investments online; and, 
  • “switch” your investments from one type to another online;


- Naturally as you grow, so will your financial goals, so of course you need to make sure that your investment strategy is relevant to your current financial status. With mutual funds, you can do interfund transfers. (At Sun Life, you can switch/transfer between funds for 4x free of charge)

How do you get started in investing in mutual funds in the Philippines? Well, a bonus advantage for investing in mutual funds is that if you choose to be with Sun Life, I can personally assist you in opening your own account. :) 

(Read: How to Open A Mutual Fund Account with Sun Life Philippines - 3 Steps) 


Want to get started managing your money/budgeting/investing? Contact me, your trusted financial advisor, through the following: 

Email: liannemarthamlaroya@gmail.com
Twitter: @MsLianneLaroya
Mobile: 0916 737 8741

We can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works. No obligation to do anything - except share what you learned with your friends!

If you find this post helpful, please SHARE and SEND THE BLOG LINK to your friends. Who knows, you might help them by educating them. :) 

Thank you, wonderful people!

Live wisely,

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Monday, January 05, 2015

How to Open A Mutual Fund Account with Sun Life Philippines: 3 Easy Steps

Want me to help you open your own Sun Life mutual fund account? 

If you've already read about our beginner's primer on mutual funds, you might already be itching to start your own mutual fund account. 

Open A Mutual Fund Account with Sun Life Philippines
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Contrary to some beliefs, investing in mutual funds is NOT spending. It's more like buying. 

What are you buying? 

- You're buying a day where you don't need to work anymore.
- You're buying a peace of mind that you can provide for your loved ones any time.
- You're buying financial freedom for yourself and your family. 

Sounds good? 

If you're also interested in mutual funds plus life insurance - read about VULs.

(Read: VULs - are they perfect for you?) 

Want to start your own mutual fund account? Here are 5 easy steps to help you get started: 

Wednesday, December 31, 2014

12 Blessings I'm Grateful For This 2014

This 2014 was a year of taking risks, enjoying the world, facing my fears and going outside my comfort zone. No, I couldn't break-dance (yet...) but I managed to do unbelievable things that I never knew I could do!

It's funny - when I was in a moment, I feel grateful and relaxed. But when the moment passes, I shiver and cringe at my daring. Collecting these twelve blessings made me laugh out loud and ask myself, 'Did I really do that? Lakas naman ng loob ko..." or 'Yikes. Nakakahiya!'

Nevertheless, I'm thankful for these blessings. After the gift of loved ones, here are twelve other graces of God that I am in awe of: 

January: One-on-one meeting with Mr. Henry Ong and Seafarer Center talk 

I dub Sir Henry as the "Father of Registered Financial Planners (RFP)" here in the Philippines. When he first arranged for a meeting, I was initially scared. After our meeting, I couldn't believe how amazing and humble Sir Henry was. His passion for personal finance touched my heart and motivated me to be a more credible and reliable finance enthusiast - and so I decided to become an RFP. :)

Also, my talk for the Seafarer Center's Investment Fair was humbling.

February: Initial publishing of our book 

I actually had the guts to publish my own book! For this I am truly thankful to my mentors, Sir Alvin, Sir Bo, Sir Yeng and Sir Randell - they helped me shape my book and guided me along the way during its creation. Again, I couldn't believe it!

March: "Trabaho Lang" interview with Ms. Cherie Mercado 

I have such a high respect for Ma'am Cherie so when she invited me to be a guest at her radio show, I immediately said yes. And I'm glad I did since I felt that more Filipinos became aware that money can be managed by ordinary people like you and me. :)

April: Manila, Baguio, Tagaytay, Laguna and Antipolo with the family <3 

During these times, I have learned to live in the moment and just be present. Enjoy the time without any influence on the past and on the future - simply enjoy the "now" and savor it as it is. 

Our stay at Loreland was bitin. We didn't know that it was so vast! Also plus points because they gave us two superior rooms even though I only paid for one standard room. ;) 

My papa wanted Hawaiian pizza and spaghetti. After he worked so many years abroad just so LJ and I could study, who was I to refuse him? 

I booked a two-night stay in Lake Hotel Tagaytay for papa and mama. Before they had their honeymoon, we ate at Bag of Beans and horsed around Sky Eye. 

This was during Mama's 51st birthday at Abe in Serendra. :)

May: Sun Life Digital Conference with people I respect 

It was my first time meeting Kuya Fitz and Sir Marvin, two of my idols. :)

June: My 23rd birthday and ANC On The Money interview 

Again, I was immensely grateful for this interview. As a daughter of a working student, I wanted to share what I knew about money management. More interviews to come this year 2015, hopefully!

July: Sun Life training sessions :)

Enriching my knowledge and opening my mind are important to me. 

August: Of course, Tokyo! ^__^

I went to Tokyo primarily to watch Lead's concert - Lead Upturn 2014...

but of course it didn't hurt to do some sight-seeing. 

September: Raising enough funds to publish our book in bulk + RFP case study presentation 

Where did I get all the money from? I invested for this back when I completed the book's initial manuscript when I was 20.

October: Sun Life client meetings & talks 

During this month, I was extremely busy with meeting clients and conducting financial literacy talks left and right - I didn't have enough time to post anything on social media! 

This is a happy problem, no? 

November: Ilocos + book feature in Moneysense Magazine

My tita and Inang came back from the US so we went to Ilocos to have a vacation with them. 

Thanks so much to Sir Heinz for the amazing feature and to Mr. Mark for the picture!

December: Book's better version published + Christmas Parties :)

Happy New Year, friends! What are your 2014 highlights? I'd love to hear about them. Share them here via your comments. :)