Sun Life vs. Philam Life Mutual Funds

[Metz]

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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

pila total shares nimo and pila pag palit nimo? when ka ni buy?
you can check your certificate for that.

so that we can check unsa jud performance sa imo funds.
bond funds are the most stable but the slowest growth as well.

as I understand with your statement, ni invest ka ug 70k and nitubo to 100k. then ni withdraw ka ug 50k, and ask ka why ang 50k nabilin wala nitubo?

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 . . .

sakto, don't redeem kung alkanse imo NAVPS.
Just sit and wait. markets always go up or down.

[sweetyjp]

u r damn ryt about risks bro bt 1 fact s der r more of these kind of companies closing dan banks so we better study der stability 1st than being sorry later coz i bet dey dnt hav insurance lyk d banks do

The Philippine American Life and General Insurance Company is the largest life insurance company in the Philippines and the market leader for 60 years. Philam Life offers an extensive line of products in the industry that provides solutions to various financial needs including income protection, retirement, education, investment, health, personal accident, group life and credit life. Philam Life has the most extensive network of offices and sales agencies nationwide.
Philam Life is part of the AIA Group, a leading pan-Asian life insurance organization that traces its roots in the Asia-Pacific region back more than 90 years.

[sweetyjp]

pila total shares nimo and pila pag palit nimo? when ka ni buy?
you can check your certificate for that.

so that we can check unsa jud performance sa imo funds.
bond funds are the most stable but the slowest growth as well.

as I understand with your statement, ni invest ka ug 70k and nitubo to 100k. then ni withdraw ka ug 50k, and ask ka why ang 50k nabilin wala nitubo?







sakto, don't redeem kung alkanse imo NAVPS.
Just sit and wait. markets always go up or down.

You're right!

[neo4596]

Ako lang unta ika-suggest sa mga MF companies na maghimo cla ug online account sa ilang mga clients for convenience's sake. Then transactions can be done via the internet na such as application, statement of account, etc.. and perhaps the selling of shares to the MF company..

[Metz]

Ako lang unta ika-suggest sa mga MF companies na maghimo cla ug online account sa ilang mga clients for convenience's sake. Then transactions can be done via the internet na such as application, statement of account, etc.. and perhaps the selling of shares to the MF company..

that could happen bai.
however I see three major issues with it.

1. when people don't pass through a broker they might not handle their investments well specially in a down market scenario(you should invest and keep existing shares!). I'm sure we can learn a lot from reading online, books and forums. But a discussion with a financial adviser can make them understand investments more before going into it. The adviser can also "hold" your hand in down market situations.

More importantly, financial advisers can also check if clients should start long term investing. More often than not, we are not ready to invest because we don't have a solid financial foundation. So in the end, ma withdraw ra gihapon ang long term investments, kay ang short term concerns dili covered.

2. internet security IQ for the average pinoy is very low. I'm sure you can see what nightmares MF companies will have if someone gets unauthorized access to a client's shares. maybe someday in the future mas ok na.

3. it's a huge additional cost for operations, and they might increase their sales load just to cover it. if moabot na ang time nga super common najud ang internet usage then it can happen.

[makie]

Ako lang unta ika-suggest sa mga MF companies na maghimo cla ug online account sa ilang mga clients for convenience's sake. Then transactions can be done via the internet na such as application, statement of account, etc.. and perhaps the selling of shares to the MF company..

IMO, mao ni ang pros and cons

Pro: Much more convenient so mas daghan ang moinvest in mutual funds

Cons: Higher commissions and the tendency of investors to engage in "trading" rather than investing.

So akong conclusion is that it might do mo harm than good. By trading, I mean sige lang sulod ug gawas ang mga investors. Once the NAVPS will start to go down, many investors will abandon ship. Ironically, how could the NAVPS recover kung ang mga mutual fund companies wala nay ipanginvest? Mutual fund companies are using the investors money to invest in different securities. Though maski modaghan ang investors, a large piece of the pie would still be gone kung moredeem ang mga investors kung moubos ang NAVPS (usa na ko ana. lol)

Maybe a better idea would be for mutual fund companies to give each investor a personal account online to track their investments. Part of it is to show kung asa nga securities giinvest sa mutual fund companies ang mga kwarta para transparent jud but not give them the privilege to do transactions online.

[ofw_cebu]

Sunlife is currently provding online access to investors to track your investments, very straightforward and easy to understand. Maybe IMG can pick up on this, if you invest through SUNLIFE or PHILAM (direct), you get the NAVPS on that day you invested. It would be better if the same apply if you go through IMG when investing in MF, so you know on day 1 what NAVPS you got . . just my 2 cents. . .

[Metz]

Sunlife is currently provding online access to investors to track your investments, very straightforward and easy to understand. Maybe IMG can pick up on this, if you invest through SUNLIFE or PHILAM (direct), you get the NAVPS on that day you invested. It would be better if the same apply if you go through IMG when investing in MF, so you know on day 1 what NAVPS you got . . just my 2 cents. . .

Ok ta bai unfortunately we can't demand it from our partners, it's really up to them. In the future, they might follow Sunlife kay everybody is going online.
But as for being to transact online, medyo dugay pajud na unless it's purely buying shares.


As for the NAVPS being delayed for a few days, it's a small trade off for those walay easy access sa ilaha offices. IMG accepts the cash and sends the forms to the main offices, and that's the only time they credit it.

FAMI is still young, so they might be more open to adapting immediately.

[sweettooth18]

Sunlife Financial historical returns

[sweettooth18]

how much is my 1 million in......?