1

Copyright © 2021 by Kein Harvey P.

Chito

All rights reserved. This book or any

portion thereof may not be reproduced or
used in any manner whatsoever without
the express written permission of the
publisher except for the use of brief
quotations in a book review.

NOT FOR SALE

For permissions contact:

hello@wekeindoit.com

Sources:
Colfinancial.com

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 DISCLAIMER
Investing involves substantial risk.
Neither the author nor any of his
respective affiliates make any guarantee
or promise as to the results that may be
obtained from using this book. No reader
should make any investment decision
without first consulting his or her own
personal financial advisor and conducting
his or her own research and due
diligence, including carefully reviewing
the prospectus and other public filings of
the issuer. To the maximum extent
permitted by law, the author and his
respective affiliates disclaim any and all
liability in the event any information,
commentary, analysis, opinions, advice,
and/or recommendations in the book

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prove to be inaccurate, incomplete,
unreliable, or result in any investment or
other losses.

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 TABLE OF CONTENTS

Disclaimer ............................................. 3
Table of Contents ................................. 5
Introduction ........................................... 6
My Confession ...................................... 9
Sa Mutual Fund, Pasahero Ka ............ 11
Saan Ako Pupunta? ............................ 16
The Different Fund Types ................... 20
Money Market Fund ............................ 24
Bond Fund .......................................... 28
Balanced Fund .................................... 37
Disclaimer ........................................... 71

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 INTRODUCTION
Muli, gusto kitang pasalamatan sa
paglalaan mo ng investment para sa
ating libro na START WITH P1,000 IN
STOCK MARKET. I hope that the book
guided you with so much learning.

Now, as the title of this e-book says,

this will be your guide should you want to
invest in mutual funds.

Ibang arena ang mundo ng mutual

funds pero may pagkakatulad din naman
ito halos sa stock market. Sa simpleng
guidebook na ito, pag-uusapan natin ang
tungkol sa mutual funds.

Konting history muna tayo.

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 I wrote my third book, START WITH
P1,000 IN STOCK MARKET in April to
May 2020 in the middle of the pandemic.
Nakita ko kasi kung ano ang
pangangailangan ng mga Pinoy
pagdating sa financial literacy. Halos
tumigil ang ekonomiya (o tumigil na nga
naman) dahil sa pandemya. Pero hindi
naman tumigil ang pangangailangan
natin sa pera (o pangangailangan ng
tamang paghawak natin sa pera).
Kailangan pa rin nating kumain,
magbayad ng bill sa kuryente, at iba pa.
Para sa akin, isang napakalaking eye-
opener ang dinala ng pandemya sa
buong mundo.

Habang dumarami ang

nakakapagbasa ng START WITH P1,000

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IN STOCK MARKET, dumarami rin ang
mga tanong na natatanggap ko sa social
media at e-mail. Marami rin ang tanong
tungkol sa mutual funds. Kaya naman
nakaisip ako na gumawa ng simpleng e-
book tungkol dito para lalo pa akong
makatulong. Sakali mang interesado ka
sa mutual funds, I hope that this will help
you a lot.

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 MY CONFESSION
I have a confession to make.

Ready ka na ba? Please don’t judge

me.

Wala talaga akong experience kung

paano mag-invest sa mutual funds. Nag-
invest na kasi ako directly sa stock
market when I started. Sa mutual fund,
you are giving your investment to a
mutual fund company or a mutual fund
manager tapos sila na ang bahala kung
paano i-ma-manage ang pera mo.

Hindi ko ito ginawa dahil mas prefer

ko ang mag-manage ng sarili kong
portfolio. Dahil dito, mas napilitan akong
mag-aral ng stock market dahil kung

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hindi ko ito seseryosohin, walang
magyayari sa investments ko. You may
have a different story, and this is just my
preference. May posibilidad din na baka
mas swak para sa iyo ang mutual funds
than the stock market. Pwede rin naman
na you invest both to mutual funds and
stock market. It’s you call as an investor.

Now, to tell you more about the

mutual fund, let me use this analogy.

Read more.

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 SA MUTUAL FUND,
PASAHERO KA
May mga pros and cons ang bawat
investment na meron dito sa mundo. If
you’ve finished reading our book, START
WITH P1,000 IN STOCK MARKET, you
already learned that the stock market is
very volatile. Isa ito sa mga cons ng stock
market. Pero meron din naman itong mga
pros like good returns. Sabi nga nila,
“The higher the risk, the higher the
return.” Dagdagan ko lang: “Provided that
you know how to manage risk.”

Now, let’s go to mutual fund. Isa sa

good analogy na narinig ko noon: “Sa
mutual fund, pasahero ka.”

What does this mean?

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 Once na mag-decide ka na
maglalagay ka ng pera sa mutual fund,
para kang isang pasahero either sa
tricycle, jeep, bus, airplane at iba pa.
Wala kang direct control sa steering
wheel o manibela.

Nakaupo ka lang.

Pasipol-sipol.

Listening to music.

O kaya naman ay umiinom ng milk

tea.

Fast forward. Nakarating ka na sa

destination mo ng hindi ka man lang
nagmaneho. Sa mutual fund kasi,
binibigay mo ang control sa isang mutual
fund company. Ang pera mo ay managed
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by an experienced mutual fund manager.
Seasoned at subok na ang talion at
galing ng mga mutual fund managers na
ito. Alam nila kung saan ilalagay ang pera
ng kanilang mga clients nila para
mapalago ito. Kesa ikaw ang mag-
manage, pinapa-manage mo ito sa iba.
That’s mutual fund.

Just like being a passenger, binibigay

mo ang control ng byahe sa driver. In
mutual fund, that is your company or
manager. Sila ang may control. So saan
naman nila nilalagay ang investment mo?

Sa iba’t-ibang investment vehicles at

ang stock market ay isa lang dito. So
‘yung pera mo, may portion na nasa
stock market din. May portion din naman

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na nasa government bonds, corporate
funds, at iba pa.

Now going back sa analogy natin.

Kung hindi ka marunong

magmaneho ng sasakyan o wala kang
sariling sasakyan, better go commute,
hire a driver o kaya naman makisabay ka.
At kung may boyfriend ka na may kotse,
pahatid ka. Libre mo na lang siya ng
hamburger in return of his service.

It is the same with mutual funds.

Kung wala kang time para mag-aral ng
stock market, better go to a mutual fund
company.

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 Kung feeling mo rin na maloloka-loka
ka sa pag-aaral ng market, mas mainam
na move ang mutual fund for you.

Kung natatakot ka sa roller coaster

ride ng stock market, better seek the
assistance of a mutual fund manager. In
return of availing their service, you will be
charged for a fee.

I hope I didn’t complicate these

things. Sa mutual funds, pasahero ka. Sa
stock market naman, driver ka.

You can also try both stock market

and mutual funds. May portion of your
investment para bumili ka ng direct
shares. Tapos let say, may portion ka din
naman na para sa funds.

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 SAAN AKO PUPUNTA?
Kung sakali man na gusto mong
mag-invest sa mutual fund, pwede mo rin
itong gawin sa COL Financial.
(https://www.colfinancial.com/ape/final2/
TRADING_MF3/MF_MAIN_NL.asp)

Isa rin sa mga factors kung bakit

hindi ako nagkaroon ng experience sa
mutual funds ay dahil noong nagsimula
ako, wala pa nito sa COL. Hindi ko sure
kung kailan sila nagsimula nito. Basta
nagising na lang ako one day, meron ng
mutual fund tab ang COL.

Kung mayroon ka ng account sa

COL, makikita mo ang Mutual Fund sa
mismong dashboard mo. See the orange
circle below:

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 After this, makikita mo naman ito:

Para makapag-place ka ng order,

kailangan mong pumunta sa “Order
Entry”. Once you click it, you will be
asked to answer the Client Suitability
Assessment Questionnaire.

Proceed ka lang.

If you will not answer this

questionnaire, you cannot buy any of the
funds offered by COL. Maganda rin na
masagutan mo ito para malaman mo ang
swak na fund para sa iyo. Marami pa
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kasing type ng mutual funds at maganda
na laser-focused ka sa fund na aligned sa
financial goals mo.

Answer this based on your

preference, so you’ll have a good
assessment. After this, you will see your
risk profile and rating.

A list of recommended funds will also

be shown to you. Look on the list and
familiarize yourself with this. You can

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also access this on the Investor Profile
tab.

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THE DIFFERENT FUND TYPES
Gaya ng sinulat ko kanina, mayroon
pang iba’t ibang klase ng fund depende
sa risk rating nito. May mga funds na
mababa, medium at mataas ang involved
risks.

Pagdating naman sa risk, pwede

nating gawing analogy ang pagtawid mo
sa isang kalsada.

Kung mababa ang risk appetite mo,

hindi ka tatawid sa isang kalye na
sobrang dami ng dumadaan na mabibilis
na sasakyan. O kung marami mang
mabibilis na sasakyan, hihintayin mo
muna ang red traffic light para makatawid
ka. Gagamitin mo pa ang pedestrian
lane. Kadalasan, kahit red traffic light na,

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tumitingin pa rin tayo sa kaliwa at kanan
bago tumawid. Bakit? Para hindi risky.

At kung mataas naman ang risk

appetite mo, willing ka na tumawid kahit
na rumaragasa ang mga sasakyan.
Calculated mo ang bawat galaw mo.
Confident ka na hindi ka mapapahamak.
Seize the day ka. Syempre hindi ako
encourager ng pagtawid sa kalsada ng
basta-basta. This is just an analogy.
Never take this literally.

Gusto ko ring ipaalala sa iyo ito:

“Past performance is not a guarantee of
future performance.” Kahit na mga
experts na ang may hawak ng
investments mo, mahalaga na huwag
nating kalimutan na may mga

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uncertainties pa rin sa mundo. Isang
example na lang nito ay ang COVID-19
Pandemic. Kahit gaano katatag ang
ekonomiya ng isang bansa, noong
nagsimula na ang pandemic, nakaranas
pa rin ng downfall. But the beauty of
mutual funds, pwede kang pumili ng type
of funds na swak lang sa risk appetite at
time horizon mo.

Now, let us discuss the different fund

types. I also indicate here their risk rating.
Rate of 1 = lowest, and 8 = highest, as
well as the recommended investment
horizon.

• Money Market Fund (Risk rating: 1 to

2) (Recommended Investment

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 Horizon: Short-term, less than 1
year)
• Bond Fund (3 to 4) (Short to medium-
term, 1 to 3 years)
• Balanced Fund (5 to 6) (Medium to
long-term, 3 to 5 years)
• Equity Index Fund (7 to 8) (Long-
term, more than 5 years)
• Equity Fund (7 to 8) (Long-term,
more than 5 years)

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 MONEY MARKET FUND
Ang Money Market Fund ang may
pinakamababang risk rating sa lahat. Ito
ay inilalagay ng mga mutual fund
companies sa special savings accounts,
time deposits at iba pang government
securities o corporate bonds. Ito ay
kumikita sa pamamagitan ng interest at
coupon payments1. Swak ang type na
fund na ito sa mga gustong naka-park
lang ang pera nila sa mga liquid
instrument at short-term horizon. Ito ay
mas mataas ang earnings compared sa
savings sa mga bangko. Low-risk, low-
return fund din ito with stable returns. Ang
Minimum withholding period ay 7 araw.

1
Annual interest payment paid to a bondholder by the bond issuer until the debt
instrument matures. (www.myaccountingcourse.com)

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 Should you want to know more about
these funds, you can also access them in
the Investor Profile of COL Mutual Fund
tab.

Available Money Market Funds

ALFM Money
Fund Name
Market Fund
Fund Code XALMM
Risk Rating 1
BPI Investment
Fund Provider
Management Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
7 days
Period
Management Fee 0.50%
Source: ALFM Money Market Fund Key Information and Investment
Disclosure Statement (September 30, 2020)

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 First Metro Save
Fund Name and Learn Money
Market Fund
Fund Code XFMMM
Risk Rating 2
First Metro Asset
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
7 days
Period
Management Fee 0.50%
Source: Fund Fact Sheet, First Metro Save and Learn Money Market
Fund (October 16, 2020)

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 Sun Life Prosperity
Fund Name Money Market
Fund
Fund Code XSLMM
Risk Rating 1
Sun Life Asset
Fund Provider
Management Inc.
Minimum
P 100
Investment
Additional
P 100
Investment
Minimum Holding
7 days
Period
0.40% (Inclusive of
Management Fee 0.15% Transfer
Agency Fee)
Source: Fund Facts, Sun Life Prosperity Money Market Fund (September
30, 2020)

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 BOND FUND
Mas mataas na ang risk rating ng
Bond Fund compared sa Money Market
Fund. Naka-focus na ang fund na ito sa
investment sa mga government at
corporate funds. Ang bond ay isang debt
instrument. Ikaw mismo ang
nagpapautang sa gobyerno o
korporasyon. Dahil nagpautang ka,
bibigyan ka ng mga institusyon na ito ng
interest bilang return. May kababaan pa
rin ang interest nito kumpara sa
balanced, equity index, at equity funds.
Ang bond fund ay swak sa mga tao na
gusto ng steady na fixed income. Ideal
time frame is 1 to 3 years.

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 Available Bond Funds

ALFM Peso Bond

Fund Name
Fund
Fund Code XALBF
Risk Rating 3
BPI Investment
Fund Provider
Management Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
90 days
Period
Management Fee 1%
Source: ALFM Peso Bond Fund Key Information and Investment
Disclosure Statement (September 30, 2020)

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 ATRAM Corporate
Fund Name
Bond Fund
Fund Code XAKCBF
Risk Rating 4
ATR Asset
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 600
Investment
Minimum Holding
None
Period
Management Fee 1.20%
Source: Fund Fact Sheet, ATRAM Corporate Bond Fund, Inc. (March 31,
2020)

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 First Metro Save
Fund Name and Learn Fixed
Income Fund
Fund Code XFMFI
Risk Rating 3
First Metro Asset
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
Management Fee 1.75%
Source: Fund Fact Sheet, First Metro Save and Learn Fixed Income Fund
(October 16, 2020)

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 Fund Name Philam Bond Fund
Fund Code XPABF
Risk Rating 4
BPI Investment
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 500
Investment
Minimum Holding
180 days
Period
Management Fee 1.5%
Source: Philam Bond Fund Key Information and Investment Disclosure
Statement (September 30, 2020)

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 Philam Managed
Fund Name
Income Fund
Fund Code XPAMI
Risk Rating 3
BPI Investment
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 500
Investment
Minimum Holding
7 days
Period
Management Fee 0.25%
Source: Philam Managed Income Fund Key Information and Investment
Disclosure Statement (September 30, 2020)

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 Philequity Peso
Fund Name
Bond Fund
Fund Code XPEBF
Risk Rating 4
Philequity
Fund Provider
Management Inc.
Minimum
P 1,000
Investment
Additional
P 500
Investment
Minimum Holding
90 days
Period
Management Fee 1%
Source: Philequity Peso Bond Fund Fact Sheet (September 30, 2020)

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 Sun Life Prosperity
Fund Name
Bond Fund
Fund Code XSLBF
Risk Rating 4
Sun Life Asset
Fund Provider
Management Inc.
Minimum
P 1,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
1.15% (Inclusive of
Management Fee 0.15% Transfer
Agency Fee)
Source: Fund Facts, Sun Life Prosperity Money Market Fund (September
30, 2020)

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 Sun Life Prosperity
Fund Name
GS Fund
Fund Code XSLGS
Risk Rating 4
Sun Life Asset
Fund Provider
Management Inc.
Minimum
P 1,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
1.15% (Inclusive of
Management Fee 0.15% Transfer
Agency Fee)
Source: Fund Facts, Sun Life Prosperity Money Market Fund (September
30, 2020)

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 BALANCED FUND
Ang Balanced Fund ay para sa mga
gustong mag-invest sa parehong stocks
at fixed income investments. Dahil nga
balanced ito, ito ay combination ng
parehong low risk at high-risk rating
investments. Kumbaga, this is either
conservative or aggressive. Nasa gitna
lang o moderate ang risk. Kumikita
naman ang fund na ito sa pamamagitan
ng price appreciation, dividends at
coupon payments. Okay ito kung 3 to 5
years.

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 Available Balanced Funds

ATRAM Philippine
Fund Name
Balanced Fund
Fund Code XAKBAL
Risk Rating 5
ATR Asset
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 600
Investment
Minimum Holding
None
Period
Management Fee 1.75%
Source: Fund Fact Sheet, ATRAM Philippine Balanced Fund, Inc.
(September 30, 2020)

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 ATRAM Unicapital
Fund Name Diversified Growth
Fund
Fund Code XAKDAF
Risk Rating 6
ATR Asset
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 600
Investment
Minimum Holding
None
Period
Management Fee 1.75%
Source: Fund Fact Sheet, ATRAM Dynamic Allocation Fund, Inc. (March
31, 2020)

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 First Metro Save
Fund Name and Learn Balanced
Fund
Fund Code XFMBAL
Risk Rating 6
First Metro Asset
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
Management Fee 1.875%
Source: Fund Fact Sheet, First Metro Save and Learn Balanced Fund
(October 16, 2020)

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 Fund Name PAMI Horizon Fund
Fund Code XPAHF
Risk Rating 6
BPI Investment
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
Management Fee 1.80%
Source: PAMI Horizon Fund Key Information and Investment Disclosure
Statement (September 30, 2020)

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 Fund Name Philam Fund
Fund Code XPAF
Risk Rating 5
BPI Investment
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 500
Investment
Minimum Holding
180 days
Period
Management Fee 2%
Source: Philam Fund Key Information and Investment Disclosure
Statement (September 30, 2020)

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 Sun Life Prosperity
Fund Name
Balanced Fund
Fund Code XSLBAL
Risk Rating 6
Sun Life Asset
Fund Provider
Management Inc.
Minimum
P 1,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
2.15% (Inclusive of
Management Fee 0.15% Transfer
Agency Fee)
Source: Fund Facts, Sun Life of Canada Prosperity Balanced Fund
(September 30, 2020)

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 EQUITY INDEX FUND
Nakalagay sa top 30 blue chip stocks
ng Philippine Stock Exchange Index
(PSEi) ang Equity Index Fund. Kung
gusto mo ang diversified investment sa
30 na pinakamalalaking kumpanya sa
Pilipinas, perfect para sa iyo ang fund na
ito. Mataas ang level of risk dito at ito rin
ang kilala sa tawag na Index Fund. Long-
term ang time horizon dito o more than 5
years.

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 Available Equity Index Funds

First Metro Save

and Learn Money
Fund Name
Philippine Index
Fund
Fund Code XALSIF
Risk Rating 7
First Metro Asset
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
Management Fee 1.75 %
Source: Fund Fact Sheet, First Metro Save and Learn Philippine Index
Fund (October 16, 2020)

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 PAMI Equity Index
Fund Name
Fund
Fund Code XPAIF
Risk Rating 7
BPI Investment
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 500
Investment
Minimum Holding
180 days
Period
Management Fee 1.50%
Source: PAMI Equity Index Fund Key Information and Investment
Disclosure Statement (September 30, 2020)

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 Philequity PSE
Fund Name
Index Fund
Fund Code XPEIF
Risk Rating 7
Philequity
Fund Provider
Management, Inc.
Minimum
P 1,000
Investment
Additional
P 500
Investment
Minimum Holding
90 days
Period
Management Fee 1%
Source: Philequity PSE Index Fund Fact Sheet (September 30, 2020)

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 Philippine Stock
Fund Name
Index Fund
Fund Code XALSIF
Risk Rating 7
BPI Investment
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
90 days
Period
Management Fee 1%
Source: Philippine Stock Index Fund Fact Sheet (September 30, 2020)

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 Sun Life Prosperity
Fund Name Philippine Stock
Index Fund
Fund Code XSLIF
Risk Rating 7
Sun Life Asset
Fund Provider
Management Inc.
Minimum
P 1,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
1.15% (Inclusive of
Management Fee 0.15% Transfer
Agency Fee)
Source: Fund Facts, Sun Life Prosperity Philippine Stock Index Fund
(September 30, 2020)

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 EQUITY FUND
In my observation, equity fund has
the highest risk rating among the all the
mutual funds. The fund is managed and
invested in a mix of stocks chosen by a
fund manager.

Kung mataas ang risk appetite mo at

mas mahaba ang time horizon for
investing (let say more than 5 years),
then equity fund is for you. Ang fund na
ito ay “actively managed” para
makapagbigay ng mas mataas ng
returns. Hindi necessary na nasa top 30
blue chip stocks lang ang pera. Inilalagay
din ito ng fund manager sa ibang
companies na may promising returns.
Mayroong fund na naka-focus sa
consumer sector. Mayroon naman na
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nakalagay ang big portion sa
construction, retail, power & utilities at
kung anu-ano pa. Katulad ng ways of
earning sa stock market, ang equity fund
ay kumikita sa pamamagitan ng price
appreciation at dividends.

51
 Available Equity Funds

Fund Name ALFM Growth Fund

Fund Code XALGF
Risk Rating 8
Fund Provider BPI Investment
Management Inc.
Minimum P 5,000
Investment
Additional P 1,000
Investment
Minimum Holding 90 days
Period
Management Fee 2%
Source: ALFM Growth Fund Key Information and Investment Disclosure
Statement (September 30, 2020)

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 ATRAM Alpha
Fund Name Opportunity Fund,
Inc.
Fund Code XAKAO
Risk Rating 8
Fund Provider ATR Asset
Management, Inc.
Minimum P 1,000
Investment
Additional P 600
Investment
Minimum Holding None
Period
Management Fee 2%
Source: Fund Fact Sheet, ATRAM Alpha Opportunity Fund, Inc. (March
31, 2020)

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 ATRAM Philippine
Fund Name Equity Opportunity
Fund
Fund Code XAKEO
Risk Rating 8
Fund Provider ATR Asset
Management, Inc.
Minimum P 1,000
Investment
Additional P 600
Investment
Minimum Holding None
Period
Management Fee 2%
Source: Fund Fact Sheet, ATRAM Philippine Equity Opportunity Fund,
Inc. (March 31, 2020)

54
 First Metro
Fund Name
Consumer Fund
Fund Code XFMCF
Risk Rating 8
First Metro Asset
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
Management Fee 1.75%
Source: Fund Fact Sheet, First Metro Consumer Fund (October 16, 2020)

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 First Metro Save
Fund Name and Learn Equity
Fund
Fund Code XFMEQ
Risk Rating 7
First Metro Asset
Fund Provider
Management, Inc.
Minimum
P 5,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
Management Fee 1.875%
Source: Fund Fact Sheet, First Metro Save and Learn Equity Fund
(October 16, 2020)

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 Philam Strategic
Fund Name
Growth Fund
Fund Code XPASG
Risk Rating 7
Fund Provider BPI Investment
Management, Inc.
Minimum P 5,000
Investment
Additional P 1,000
Investment
Minimum Holding 180 days
Period
Management Fee 2%
Source: Philam Strategic Growth Fund Key Information and Investment
Disclosure Statement (September 30, 2020)

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 Philequity Dividend
Fund Name
Yield Fund
Fund Code XPEBF
Risk Rating 7
Fund Provider Philequity
Management Inc.
Minimum P 1,000
Investment
Additional P 500
Investment
Minimum Holding 90 days
Period
Management Fee 1.5%
Source: Philequity Peso Dividend Yield Fund Fact Sheet (September 30,
2020)

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 Fund Name Philequity Fund
Fund Code XPEEQ
Risk Rating 7
Fund Provider Philequity
Management Inc.
Minimum P 1,000
Investment
Additional P 500
Investment
Minimum Holding 90 days
Period
Management Fee 1.5%
Source: Philequity Fund Fact Sheet (September 30, 2020)

59
 Philequity MSCI
Fund Name Philippines Index
Fund
Fund Code XPEEQ
Risk Rating N/A
Fund Provider Philequity
Management Inc.
Minimum P 1,000
Investment
Additional P 500
Investment
Minimum Holding 91 days
Period
Management Fee 1
Source: Philequity MSCI Philippines Index Fund Fact Sheet (September
30, 2020)

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 Sun Life Prosperity
Fund Name
Equity Fund
Fund Code XSLEQ
Risk Rating 7
Sun Life Asset
Fund Provider
Management Inc.
Minimum
P 1,000
Investment
Additional
P 1,000
Investment
Minimum Holding
180 days
Period
2.15% (Inclusive of
Management Fee 0.15% Transfer
Agency Fee)
Source: Fund Facts, Sun Life Prosperity Money Market Fund (September
30, 2020)

61
 HOW TO BUY MUTUAL
FUNDS
Let’s assume na nasagutan mo na
ang assessment questionnaire ng COL.
Ngayon, kapag nagpunta ka sa Order
Entry tab, makikita mo ang isa pang type
ng questionnaire. This time, it is about the
Foreign Account Tax Compliance Act.

Pagkatapos mong masagutan ito,

you will be shown terms and conditions.
Read and understand everything. Then
click “I Agree”.

After this, you will see the Order

Entry dashboard. Madali lang itong
gamitin. Ang kailangan mo lang ilagay ay
62
ang Fund Code at Amount. You will see
the complete list of Fund Codes when
you accessed the “Fund Code”. (See the
orange circle below)

For example, gusto mong bumili ng

Philam Bond Fund, you just need to type
in XPABF and put your initial investment.
Pwede ring sobra sa initial investment
ang ilagay mo.

Tuwing kailan ka naman pwedeng

magdagdag ng investment? It’s up to
you. Pwedeng weekly, monthly,
quarterly, semi-annual. Keep in mind to

63
follow the minimum additional amount.
Again, pwede ring mas mataas sa
additional amount ang ilagay mo. These
are just the “minimums”.

Just like any other investments, mas

maganda na madadagdagan mo pa rin
ang initial investment mo para sa higher
possibility of good returns in the future.

Please take note as well that the cut-

off for investing and redeeming is at
10:30 AM. Otherwise, your order will be
processed the next trading day.

64
 As shown in the screenshot above,
let say I want to invest P10,000 to Philam
Bond Fund or XPABF, this is how it looks
like. Then click the “Preview Order”.

In the next window, you just need to

confirm your order. Enter your password
and then place it.

To redeem your mutual funds, just

choose the “Redeem”. The method is
almost the same. But on this module, you
need to enter the number of shares that
you want to redeem.

65
 If you want to have a feel of
automation, you can start to schedule
your investment. Click on the “Schedule
EIP”.

There are still other modules that you

can access on the tabs. If you want to
learn more about mutual funds, go to
FAQs.

66
67
 FINAL WORDS
Thank you very much for reading this
short e-book about mutual funds here in
the Philippines. I hope that you have
learned a lot from this material. Marami
pang possibilities ang pwede mong
subukan.

For example, gusto mo na after 3

years of investing in mutual funds ay
magsisimula ka ng mag-invest directly sa
stock market para masubukan ito. Or
pwede rin naman na after you have
P50,000 in mutual funds, you will try to
invest in the stock market. Actually, it’s up
to your investment goals, preference,
time horizon, etc.

68
 Now, if you want to take your learning
about mutual funds to the next level, you
can consider joining TrulyRichClub Silver
by clicking this link now.

You will receive 7 incredible

blessings, including the opportunity to
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However, if you want to level-up to

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69
 Affiliate Disclosure: I am affiliate of
TrulyRichClub. I earn through small
commission when generous people like
you sign up using this link today.

If you don’t feel like being generous,

here’s the non-affiliate link.

Ingat,

Kein Chito
Founder, www.wekeindoit.com.

70
 DISCLAIMER
Investing involves substantial risk.
Neither the author nor any of his
respective affiliates make any guarantee
or promise as to the results that may be
obtained from using this book. No reader
should make any investment decision
without first consulting his or her own
personal financial advisor and conducting
his or her own research and due
diligence, including carefully reviewing
the prospectus and other public filings of
the issuer. To the maximum extent
permitted by law, the author and his
respective affiliates disclaim any and all
liability in the event any information,
commentary, analysis, opinions, advice,
and/or recommendations in the book

71
prove to be inaccurate, incomplete,
unreliable, or result in any investment or
other losses.

72
 ABOUT THE AUTHOR
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He is an author, speaker,
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His first two books, The 9 Secrets of

Sticky Families (2014) and Confessions
of an Ex-Seminarian (2018) are both
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 He is a graduate of Master in
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Kein is often invited to speak in
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He lives in Atimonan, Quezon

Province. And hey, he’s a sushi
aficionado, too!

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