sir fd, if your looking for mutual fund with higher yield.. you cn invest in legacy HY fund, inc. its a balanced mutual fund. its also listed in the PSE. it offers 5 year 20% interest. The maximum Philam is offering is only 15%. In balanced mutual fund, the said fund is invested in many ways (sari-sari). Although the minimum investment is 100,000. you can contact me if ur interested.. 09173296134/evangareth_47@yahoo.com