Sun Life vs. Philam Life Mutual Funds

[Metz]

---

so ma-redeem ra jud d i dayon ang investment. im planning man gud to invest in mutual funds. by the way, cash ilang ihatag bai or check?

redeemable any time bai but we always advise nga long term jud imo investment kay if mo down ang market you cant withdraw your money.

if short term jud imo plan, pwede rapud bond funds.

[scriptologist]

redeemable any time bai but we always advise nga long term jud imo investment kay if mo down ang market you cant withdraw your money.

if short term jud imo plan, pwede rapud bond funds.

Ma redeem man ghapon bsan down ang market pero naay exit fee

Exit Fee if Redeemed within the 1st Year 1.0%

Exit Fee if Redeemed within the 2nd Year 0.50%

Source http://www.sunlife.com.ph/philippine...gnLocale=en_CA

[Metz]

Ma redeem man ghapon bsan down ang market pero naay exit fee

Exit Fee if Redeemed within the 1st Year 1.0%

Exit Fee if Redeemed within the 2nd Year 0.50%

Source Sun Life Financial Philippines: Customer FAQ

yes bai ma redeem siya.
what I meant was di ta ganahan mo redeem if down ang market kay dako chance mo take ug loss if short term.

[scriptologist]

yes bai ma redeem siya.
what I meant was di ta ganahan mo redeem if down ang market kay dako chance mo take ug loss if short term.

Sakto, depende ra sa goal sa investor. Mao nang dapat diversify investing. Sunlife, philamlife, fami, philequity, ug uban pa. like, Sunlife - short term, philam - medium, fami - long term, sometimes in need ang money sa tawo that's why kinahanglan mo redeem.

Bisan 3 mutual fund companies ok na.

[neo4596]

plano nko FAMI ug philequity cguro akong kuhaon.

[Metz]

plano nko FAMI ug philequity cguro akong kuhaon.

go bai
contact the broker nga ganahan nimo.

[neo4596]

go bai
contact the broker nga ganahan nimo.

bai, wla nay withholding tax ang MF noh? unlike sa TD or savings account.

[Metz]

bai, wla nay withholding tax ang MF noh? unlike sa TD or savings account.

yup kay sa entry fee na kwaon ang taxes.
unsay value sa imo shares mao jud imo makuha pag redeem.

[swendz]

naa ko philam bond fund for 12 years na pero until now wala jud ko kasabot anang stocks... ka usa rako naka-redeem pero nigamay man to ako investment pag redeem.... my investment is 70k but i think 50+k na lang pag-redeem and until now 50+K lang gihapon.. wala man nitubo uy

i think ganahan ko anang sunlife pareho kang "scriptologist" kay march 2010 siya ni-invest then 9 months lang naa na siya 12k while ako 12 years pareho ra... pls advise

[ofw_cebu]

when you redeem, you need to take note of the NAVPS, if it's lower than the NAVPS when you started your investment, then, it's not a good shot, you should redeem when the NAVPS is high, and that's what @scriptologist did, thus a profit . . .