DCSIMG

Getting Started

How Mutual Funds turned me into a millionaire in 5 years

By Mylene Daez-Lopa, Brighterlife.com.ph

Comments (315)

BL_mutualfundsI was 30 years old then and had been working in the corporate world for 9 years when a friend of mine asked me if I had any savings.  I told him that I had a savings account and a time deposit amounting to no more than Php300,000 combined.  He was surprised to hear that after spending 9 years in the corporate world, a middle level manager like me, with no dependents, would only have that amount of money.  And so he started to lecture me about the need to invest.  This friend of mine was just a couple of years older than I was but he told me that he had accumulated millions over the years he’s been investing in stocks.

This got me thinking. I wanted to start investing right then and there but I didn’t understand stocks and I was afraid of the risks associated with stock trading.  I did recall hearing someone tell me about this investment called mutual funds and how for a minimum of Php5,000, one can buy shares of this fund that invests in a variety of financial instruments like stocks and bonds and that can give returns much higher than traditional bank products.

Within a few days, I had opened an investment account with Sun Life since they were one of the few companies I knew then that offered mutual funds.  The advisor I spoke to told me that the best way to accumulate is to invest regularly, as in every month.  So having resolved to earn my first million just like my friend, I followed the advice.  I transferred Php 150,000 from my time deposit account to the mutual fund and committed to invest Php10,000 a month into the fund I chose. This wasn’t easy in the beginning as this was close to 20% of my monthly net take home pay at that time.  But I was single and living with my parents so I didn’t have too many expenses to take care of anyway.  It did mean cutting down on my impulse shopping sprees.

After the first 3 months or so, it was already a habit.  I no longer missed the money that I used to spend on my whims.  I was proud that the money I used to spend on needless things was now invested and I was very excited to see it grow.  I continued my monthly contributions throughout the next years and even increased it whenever I would get salary increases.  I would also add to my investment a portion of my 13th and 14th month bonuses, after of course, rewarding myself with a little gift or something first.

Five years forward, I received my latest Statement of Account with Sun Life and happy to share that my investment is already worth P1,078.363.50*!  Never did I imagine 5 years ago that I could accumulate a million pesos in so short a time just by diligently setting aside a portion of my monthly salary.  Now I’m a convert and a fan of mutual funds.  I still keep a savings account but only for my emergency and day-to-day needs.  In fact, I recently applied for my US VISA and when asked to present proof of financial status, I only had my certification from Sun Life for my mutual fund investment since the money I have there is about 4 times more than what I have in my bank account.

I am now a proud investor and a proud millionaire.  I am an advocate of mutual funds and I intend to invest in it until I retire.  It has not only given me confidence, it has given me wealth and the opportunity to make my long term goals come true.

To learn more about mutual funds, watch this…

*Invested in the Sun Life Prosperity Balanced Fund from May 30, 2009 to May 30, 2014 with initial investment of P150,000.00 and regular monthly investment of P10,000.00.
**This is based on a true story but values were changed to protect the privacy of the author.

MLOPA 2013 profile

 

 

Mylene Daez – Lopa is the Chief Marketing Officer of Sun Life Financial Philippines.

 

 

Want to start investing today for a brighter future? A financial advisor can help you. Email us at editor@brighterlife.com.ph.

 

Image used under Creative Commons from Simon Cunningham

PINASforGOOD on

Wow, inspiring! Time is our friend talaga.

mike zamora on

Nice, and intellectually inspiring. Just a question, if needed can an investor take some amount of his account at anytime?

    Mika on

    Hi Mike! An investor can withdraw investments at any time, but like any investment instrument, mutual funds are best held long-term especially for mutual funds that have investment objectives of capital growth such as equity funds. We have a Fund Fact Sheet at http://www.sunlifefunds.com which you may look into to see the fund’s historical performance. Hope this helps. Thank you 🙂

      demelyn on

      hi is it possible to have two different accounts ?my Sunsure10 will be finished by next year..

      thanks

      Mika on

      Hi Demelyn. Yes, you may consult with your financial advisor on how to go about it.

      Jaime M. Al-os on

      Hi I am interested to invest in Mutual Funds can you please tell me ideas in where to start. I am an Oil and Gas Offshore employee and are currently connected in SBM Offshore Inc.

      Mika on

      Hi Jaime! Please email us your location and contact details via editor@brighterlife.com.ph so we can refer you to a financial advisor for free consultation.

rona anne cruz on

Hi pastor randell… long term po ba ito? Pwede ko po bang maiwithdraw yung money after 5 yrs? Im an ofw and d naman po kasi ako tatagal din dito… can u endorse me to a financial advisor? Thanks po.. God Bless

    Mika on

    Hi Rona, please email us you location and contact details to editor@brighterlife.com.ph so we can have an advisor assist you. Thank you!

      Faith Baquirquir on

      Can there be two investors in one Bond Fund account?

      Mika on

      Hi Faith, you can opt to have a co-investor.

      peytchu on

      Hi Mika,

      Do co-investors for the Bond Fund need to be related?

      Mika on

      Yes, co-investors can be spouses, siblings, parents or children.

Mayi on

750,000 pesos for 5 years and only yield 350,000? Hmmmm real property is still the way to go for me

    potchi on

    @Mayi,
    the actual annual return is actually around 11%. The initial investment is not 750k so you have to factor that in. Real Estate is a great investments but I can’t say if that is better than stocks/bonds. Having both investments for diversification? probably a good idea. now you can also invest in REITs if you really like real estate. Just my two cents and no I dont work with Sun

      reniz on

      Forex trading is still the best way of investing. You can earn 10-15% of returns per month. Stock trading is just second.

      Kathy on

      Plus we need to consider the liquidity of both instruments.

    K on

    Because it is in a Balanced fund. If it were equity the returns must have been much higher.

Pete on

Hi There,

I’m currently an OFW here in the states. I just want to know if I can open a MF account through Sunlife while I’m overseas or do I have to physically be there in the Philippines .

Thanks.

    Rodel del Mundo on

    @Pete For Sunlife Mutual Fund, you can only invest when you are here in the Philippines.

Krista on

So inspiring! 🙂

Calix Hernandez on

am i allowed to include a beneficiary even if he is no longer a minor? if not, in case of death of initial investor, what will happen to the investments? if i have a co investor, is he/she allowed to withdraw all the investments automatically? how about in case of death of both initial and co investor, what will happen to my investments?

    Mika on

    Hi Calix, ITF or In Trust For is only for Minor child and beneficiary for Mutual Fund is different from Life Insurance plans. In case of death on a joint account, all shares will be equally divided among the investors. The shares of the deceased investor will be put on hold and will be subject for estate tax already. They will have to submit the appropriate death claims requirements. The shares of the surviving investor is redeemable at any time. If all investors die, the account will be on hold and subject for submission of death claims requirements. If you would like to know more about Sun Life’s mutual funds, we can assign a financial advisor to guide you. Thank you!

      Anok on

      Can a Will cover the Investment so that it will go to family members in case of death of main investor?

      Mika on

      Hi! A Last Will and Testament is a legal declaration that provides information on the distribution of the owner’s estate and assets upon death. So yes, even investments are covered if it is stated in the Will.

Kristian on

What’s the lowest amount I can invest monthly on mutual funds? I’m just an employee at supervisory level and I’m not earning that much.

    Mika on

    Hi Kristian! Minimum amount for subsequent investment is Php1,000. 🙂

      robert on

      Hello,ok ba ang lumpsum investment like 500k sa mutual funds then wait for 5 yrs before mag redeem? Salamat.

      Mika on

      Hi Robert, yes that’s okay. You can visit us at any Sun Life Customer Cente or talk to one of our financial advisors when you’re ready to invest. 🙂

John on

Hi! That video is so inspiring.. Esp for single people like us.. I’m interested of investing to Mutual fund, where can i get full details of how prosperity balance fund works?

    Mika on

    Hi John, our website on mutual funds provides a simple explanation on how mutual funds work. Here’s the link: http://www.sunlifefunds.com. Should you prefer to discuss about investing with our financial advisor, just email us at editor@brighterlife.com.ph. Thanks and have a bright day!

erwin francisco on

I watched the video and I find it interesting and I also read the inspiring story of how in five years she earned her 1st one million.
I have two policy of variable insurance with Sunlife payable in ten years which i procured only last Dec. 2013. I agreed to placed it on your Balanced Fund. I have been paying my quarterly and semi-annual premiums way advance the due date. Now I observed that much of my payments when to the insurance premiums because my current fund value is way below of what i have already paid. My question is will my Investment really grow over time??when much of what i am paying goes to the insurance premiums. kindly enlighten me.

    Mika on

    Hi Erwin, the video and the article discuss Mutual Funds which is different from VUL. VUL or Variable Universal Life is an insurance plan with investment component. You may want to refer to our article about VUL here: http://brighterlife.com.ph/2014/07/07/3-benefits-of-a-vul-insurance-plan/?category-ref=personal-finance. In VUL, a large portion of the premiums are paid towards the life insurance coverage for the first few years. After a certain number of years, the charges will be minimal. It is best to refer to the proposal furnished to you by your financial advisor to check the projected fund value for a certain time. Hope this helps. Thank you 🙂

      Erwin Francisco on

      Thank u, I hav a follow-up question is a VUL with one time lump-sum payment better than a VUL paid in installment basis? I hav another VUL wit this type.

Ella on

I’ve watched the video and I am very interested in the MF but I am only a student. Can I still have a MF?

Mary on

What is the minimum investment? Im just an employee and i cant afford high investment

    Mika on

    Hi Mary, minimum initial investment for mutual funds is Php 5,000 only. Should you be interested, you may visit us at any Sun Life Customer Center near you or we can refer you to one of our financial advisors. 🙂

      Mary on

      and how much will be the monthly investment?

      Mika on

      Minimum subsequent investment is P1,000.

      Mary on

      how much will it be in 5 years?

      Mika on

      Returns vary depending on your chosen type of fund (i.e. Bond, Balanced, Equity, etc.) You may refer to our Fund Fact Sheet at http://www.sunlifefunds.com to see each fund’s historical performance. 🙂

Rhona Lyn L. Gonzales on

Kung mag initial investment ng Php 10,000.00 and monthlay investment is Php 2,500.00, how much possible increase in 5 years? Thanks.

    Rodel on

    Hi Rhona, as computed your total investment in 5 years will be 157,500 and assuming that MF earned 8%/year the fund value on the fifth year will be 201,097 which give you 43, 597 earnings while if earned 12% your earning will be around 70K. Note that investment did not give guaranteed return, projection is based only on the past performance.

      dennis on

      I quote:
      Rodel on August 31, 2014 at 1:29 pm
      Hi Rhona, as computed your total investment in 5 years will be 157,500 and assuming that MF earned 8%/year the fund value on the fifth year will be 201,097 which give you 43, 597 earnings while if earned 12% your earning will be around 70K. Note that investment did not give guaranteed return, projection is based only on the past performance.

      How did you arrive at P201,097 at the 5th year, if the annual rate is 8%?
      1st year is P37,500 @ 8% =
      2nd year total is P67,500 @ 8% =
      ….
      5th year P157,500 @ 8%

    Caillux on

    question! if ever the return yielded to a negative value (worse comes to worst), will the amount of my invested money be lower as well after 5yrs? say i invested a total of 250k, will it come back to me as 200k once i decided to end it after 5yrs? or do you have some sort of insurance like those of PDIC’s? thanks!

      Mika on

      Hi Caillux! Based on actual performance, the Sun Life Prosperity Funds have shown positive return for any given 5-year period since inception. With mutual funds, there is no guaranteed return as it depends on market performance. There is risk involved but you also reap the rewards in the long run. It is designed to a long-term commitment (preferably 5 years). On the other hand, traditional bank deposits have no risk of loss and these are insured by the PDIC, but you only get 0.5-1% interest on your savings. Also, inflation which is the increase in general price of goods and services erodes the value of your money without you noticing it. If inflation is 3%, then you’re actually losing 2% every year if all your money is in traditional savings.

Daloi on

Im a filipina but canadian resident, ask ko lang po kung pwede ba ako mag invest sa mutual fund sa philippines

Glo Silarde on

Hi Daloi. Yes, you can invest not just in Mutual Fund here in the Philippines once you’re here but also in Variable Unit Link Funds. Should you need assistance in starting any of your funds here in the Philippines with Sun Life, we can get in touch via email for now or contact me anytime.

    Mhie Javier on

    hi .. can i open funds in different mutual fund company?ex. company a-equity fund ;company b-balance fund
    -mhie

      Glo Silarde on

      Hi Mhie. Yes, you can open mutual funds in any company that offer mutual fund like Sun Life and others. Mutual funds of Sun Life, there’s equity fund, balanced fund, bond fund, etc.

      We can help you in the best way we can for better growth of your fund for your specific life goals. I would love to sit down with you and be of service to you soon.

Ira on

Greetings! I’ve already sent an email to the address you gave. I’m hoping to hear your feedback soon. Thanks!

    Mika on

    H Ira! Yes, we’ve already responded to your email. Kindly check your inbox. 🙂

jonkarloaquino on

I recently inquired at Sun Life Financial about the different kinds of investment that they offer. I am 21 by the way and I am really curious about investing because I have been saving since I was in grade school and I want to learn how can I make profits through my savings because putting it in the bank doesn’t make profit at all. The financial advisor that explained me about investing was informative but I am searching for more reason and explanations why I should actually start investing or not. I don’t know what kind of investment suits for me, I am wondering if you could help me because I really want to know more about investing. Thanks!

    Mika on

    It’s good that you’re interested on investing at a young age. Choosing the right investment for you will depend on your money personality and financial goals. What do you want to achieve and when do you need it? We have an INVESTmentality Quiz that can help you determine what kind of investment suits you, you may try it out at Sun Life’s Facebook page here: http://on.fb.me/1vK5hea . Should you have further questions, feel free to contact us at editor@brighterlife.com.ph.

    Ira on

    We have the same situation.

Carlos Alberto on

Should I choose to have my initial investment be at P10,000 and monthly investment be P1,500 a month. How much (roughly) do you think it will sum up to after 5 years? Thank you.

    Mika on

    Hi Carlos, returns vary depending on your chosen type of fund (i.e. Bond, Balanced, Equity, etc.) You may refer to our Fund Fact Sheet at http://www.sunlifefunds.com to see each fund’s historical performance. To give you an idea on the returns, you may also want to read The Journey to Investing, a story on how two friends invested their money in mutual funds. The values are based on historical performance of Sun Life Prosperity Fund. Here’s the link http://bit.ly/1voI6oL

Emy on

Hi..

Pls. discuss the process how withdraw the returns.. Thanks

    Mika on

    Hi Emy, you will need to fill out the Order Ticket for Redemption then submit it to our head office in BGC or you can follow the steps via Mutual Funds Online here.

Cherrie on

Hello,

You said that in order to invest in your MFs, I have to be there in the Phils. Does that mean I have to physically reside there or is it okay even if I am not a resident as long as I open the account when I go there for a visit?

    Mika on

    Hi Cherrie, you can invest when you’re in the country for a visit or vacation. 🙂

janet arellano on

any sunlife office here in tuguegarao city..just want to know more on how to invest in mutual funds

    Mika on

    Hi Janet, you may visit our Tuguegarao Customer Center at:
    2F Chowking Bldg, Balzain High-way,
    Tuguegarao City, Cagayan 3500
    Tel. No. (078) 844-0075

      Jackie on

      are you open during saturday? if yes. until what time? thanks.

      Mika on

      Hi Jackie, our offices are open on weekdays only, 9am-5pm. We can also refer you for a free consultation with one of our financial advisors should you prefer to meet in your preferred time and place. Just email us at editro@brighterlife.com.ph with your location and contact details. Thank you and have a bright day! 🙂

      Jackie on

      what are the requirements needed if I will avail the balance fund? Thanks.

      Mika on

      You will need to present a government-issued ID (i.e. driver’s license, passport, SSS, etc.) and submit a duly filled out Investor Profile Questionnaire (this will be provided at any Sun Life Customer Center or from your financial advisor). Thank you.

Erwin M. Binlayo on

if i open an account in mutual fund worth php5000 and i maintain php1000 every month and i choose equity/growth..how much would be the return after 5 years??

    Mika on

    Hi Erwin! Returns depend on the market performance. You may refer to our Fund Fact Sheet at http://www.sunlifefunds.com to see each fund’s historical performance. To give you an idea on the returns, you may also want to read The Journey to Investing, a story on how two friends invested their money in mutual funds. The values are based on historical performance of Sun Life Prosperity Fund. You may read it here: http://bit.ly/1voI6oL

Lucy on

Hi Ma’am, I was truly inspired by this blog so I decided to apply for one personally at Sun Life I’m interested with the product presented in the story (Sun Life Prosperity Balanced Fund) but they offer me the VUL. What is the difference between the two? There is a one time payment of 100k (Flexi Link) or 500k. I’m not interested much on life insurance because Im already satisfied with my SSS and other plan. I want to know how can I grow my little savings. Pls enlighten me.

Rose on

I am planning to invest 1M pesos in mutual fund. How much will be the return after 10 yrs? Is it advisable to put it in one investment instrument?
Thanks for the reply…

    Mika on

    Hi Rose, returns vary depending on your chosen funds and market performance. You may check Sun Life Prosperity Funds’ fund fact sheet for historical performance. Here’s the link: http://sunlifefunds.com. Where you put your investments depends on you but it is recommended to diversify assets to reduce risks. Whenever you’re ready to invest, we can assign one of Mutual Fund advisors to help you get started for free. Just email us at editor@brighterlife.com.ph with your contact details and location so we can refer you. Have a bright day!

Aden on

Hi po
46 yrs old and retired,gusto kong invest ang retirement fee ko sa MF 1.Million pesos plus 25k a month how much po in 5 yeras.

Aden on

I mean plus 8k a month in 5 yrs all together total of 1.5mil. in pesos. How much po in 5 yrs?

    Mika on

    Hi Aden, returns vary depending on the market performance and your chosen fund. You may want to check out our Fund Fact sheet at sunlifefunds.com to see actual performance of funds for the past 3-5 years. You can also check the article Journey to Investing to get an idea of Sun Life Prosperity Funds performance. Here’s the link: http://bit.ly/1voI6oL

Mitch on

What the difference between solely investing in equity fund vs investing in equity fund with life insurance i want to know which hAs the greater chance of higher return here?

jose on

hi, how much will the monthly payments be for a 5 million pesos life coverage? and how many months to pay? with savings/retirement? details Male, 24 yrs old, single – thanks

    Mika on

    Hi Jose! Kindly email us at editor@brighterlife.com.ph so we can assign you to a financial advisor who provide you with a computation and discuss with you details. Thank you 🙂

Melquiades E. Moraga on

I’m interested in sun life mutual fund..

    Mika on

    Hello! Thank you for your interest! Kindly email us at editor@brighterlife.com.ph so we can assign a financial advisor to help you get started. 🙂

WESLEY on

pls find time to educate me more about mutual funds..thank you

    Mika on

    Hi Wesley! One of our mutual funds representatives can help you. Kindly send us an email with your location and contact details so we can refer you for free consultation. Thank you 🙂

Jean Rocafort on

nice article! Thanks for sharing 🙂 anyone here po kung possible maging sunlife advisor if overseas? Are trainings conducted in manila office? I have opened MF and UITF and I would also want to share to my friends that investing on an early age is better. I love to read articles/blogs/ books about financial literacy and I love to be a RFP/financial advisor. Hope someone can assist me. Thanks a lot 🙂

    Mika on

    Hi Jean! We’re happy to know that you’re interested on financial literacy and sharing them with others too. Our financial advisors are can only sell within Philippine soil. Training and licensure exams are also conducted here. When you decide to come home, you may visit us at any Customer Center should you wish to become one of our bright advisors. 🙂

lovely on

is there any sun life office here in quezon city? i’m so much interested about this and i’m eager to know more.. 🙂 tnx.

    Mika on

    Hi Lovely. We have one in Quezon Avenue and in Fairview. See below addresses and contact numbers:

    Sun Life Financial Store
    G/F Orcel II Building
    1611 Quezon Ave, Quezon City
    Tel. No. (632) 448-6515

    Fairview Customer Center
    2F BDI Center, Lot 33, Blk 114, Regalado Ave, Greater Lagro, Novaliches, Q.C.
    Tel No: (02) 376-9529
    Fax: (02) 376-6191

    Mika on

    Hi Elena, the first step is a free consultation with an advisor. Kindly email us your location and contact details to editor@brighterlife.com.ph so we can refer you. Thank you.

Josel Punsalan on

Hello po mam ask ko po sana kung my sun life branch po b kyo s tuguegarao city? Gusto ko po mgopen ng mutual funds paguwi ko ng pinas maybe next month I’m currently here in abroad. Any suggestion po kung paano o san po ako pwede magopen ng account? Thank you and more power.

    Mika on

    Hi Josel! Thank you for your interest. You can visit us at our Tuguegarao Customer Center located at 2F Chowking Bldg, Balzain High-way, Tuguegarao City, Cagayan. Tel. No. (078) 844-0075.

may on

What is the requirements and how to invest?

    Mika on

    Hi May, aside from the minimum initial investment of P5,000, the documentary requirements are valid government-issued IDs (Passport, driver’s license, SSS, etc.) and a duly-filled out Investor Profile Questionnaire which you can get from any Sun Life Customer Center or through your advisor.

Ar Geh on

is there a best time to make a subsequent investment? is it ok if i make a subsequent investment now or should i wait tomorrow or the next day?

jerome on

Hi Mika,
i am interested at mutual funding, can you give me a situation were my investments will degenerate?
thanks. 🙂

    Mika on

    Hi Jerome, investing in mutual funds, returns are not guaranteed and these are based on market performance. For example, the Equity Fund is composed of stocks, so if the stock market goes down from the time you bought shares from the Equity Fund, it is possible that the value of your shares will go down as well. But what’s important is staying invested for the long term. Despite the short term fluctuations, the equity fund (and other mutual funds in general) has shown better returns compared to traditional savings. Check out our fund fact sheets at sunlifefunds.com for more info. Thank you.

Arvin on

Hi, I’m an OFW working in singapore, can an ofw like me invest in mutual fund ? Also want to know how does this work. Thank you!

fen on

Hi.. good afternoon.. for mutual funds.. what is the best technique to do for long term investment..,let’s just say.. in long term, that money is good enough to fund your family.. is it to open several mutual fund accounts or stick to one mutual fund account. ?? we currently have vul’s and mutual funds.. but i want to make sure that we’re doing it right.. thanks so much!

jeff on

hello i am jeff , what are the requirements for this mutual fund… and where is the nearest office of sun life.. im from pangasinan my email is elguitarisma@yahoo.com. thank you

    Mika on

    Hi Jeff! Aside from the minimum initial investment of P5,000, the requirements are a valid government-issued ID and a duly filled out Investor Questionnaire, which you can get from any Sun Life Customer Center or financial advisor. You can visit us at our Dagupan Customer Center at 2/F East Gate Plaza, 231 AB Fernandez Avenue, Dagupan City, Pangasinan. Contact via Tel. No. (075) 522-4132. Hope this helps. 🙂

reigh on

hi,

i’m an ofw and would like to invest for mutual fund. may i know how to apply and what documents do i need to prepare? thanks! 🙂

    Mika on

    Hi Reigh! Documentary requirements are valid gov’t IDs and filled out Investor profile Questionnaire. Kindly email us your name and location at editor@brighterlife.com.ph.

JC Recto on

Hi, I am now One step left to opening an account with you. Currently, I have investments in Stock Market and COL is now offering Mutual funds.
1. ) How much is your Manager’s Fee?
2.) SUN LIFE PENSION PLUS PLAN has dividends yearly right? In case of Emergency can I withdraw some of my funds? Do you have contracts?
3.) Is the Pension plus fund accepts a monthly installment of 1,000?

Thanks in advance

    Mika on

    Hi JC! We’ve sent you an email to answer your questions. Kindly check your inbox. Thank you 🙂

      CEB on

      Hi, i have the same questions as JC’s. I would appreciate if you could also send to my email the answers. I have investments in stocks and mutual fund thru COL. Now, im looking for retirement plan such as Sunlife Pension plan. Thanks.

      Mika on

      Hi! Sent you an email. Kindly check your inbox. Thank you.

lovely on

Could it also be possible for students to invest in mutual fund? if yes, kindly send me the requirements.. Thank you in advance.

    Mika on

    Students of legal age (18 years old and above) can invest. Kindly email us at editor@brighterlife.com.ph so we can refer you to an advisor for free consultation.

      lovely on

      Ma’am, may i have your company’s contact number?

      Mika on

      Sun Life’s hotline is (02)849-9888. 🙂

Annabelle Tan on

Hi I want to invest in mutual funds, please help. Thank you.

    Mika on

    Hi Annabelle, kindly send us an email with your name, location and contact details so we can assign an advisor to help you get started on investing in mutual funds. Thank you

vicky on

is 5 yrs.the minimum investment period? what if i need the money after a year? thanks

    Mika on

    Hi Vicky, you can redeem your investments any time but we highly encourage to invest for the long-term to fully realize the growth of your money.

Arvin on

Thanks to SunLife’s MF, small earners like me can invest our hard-earned money with confidence and pride because the company is stable and secured. MF will make it happen and make our money grow. God Bless!

    Jean Rocafort on

    Hi Maam,

    Mg open po sana ako ng mutual fund sa Sunlife. Yung kausap kong agent is VUL lng daw po offer nya kya po Im planning to go directly to their office instead. Upon placing the money, makukuha ko din po ba policy number the same day? San po exact address ng Sunlife? Thanks in advance! 🙂

      Mika on

      Hi Jean, may we know your location so we can recommend a branch you can go to?

Rolando Vejerano on

I want to subscribe in the mutual funds of sunlife financial

    Mika on

    Hi Rolando. Thank you for your interest! You may visit us at any Sun Life Customer Center near you or we can have a financial advisor help you get started with a free consultation. Just email us your contact details and location via editor@brighterlife.com.ph.

Amor on

Hi im interested, i want to learn more and invest as well. Thanks.

Amor on

May i know the email address where can send my info 😀

carolina brillante on

just read in the news ad that you r offering d 5-module getting started online care of brighterlife.com.ph but it seems you are not ready yet for us registering for this.pls. advise me when you can offer = cbb

lorna magtibay on

Pls send me the details of 10k per month investment on mutual funds.
Thank you..

    Mika on

    Hi Lorna! We sent you an email, kindly check your inbox. Thank you!

Randy Apuya on

Good day Maam Mika…plano ko sana mag invest sa inyong company, for mutant fun, plano ko nag lagay hg pira 17thousand pesos..mag kano po ba ang interest ang makuha ko bawat buwan? Regards randy

    Mika on

    Hi Randy! Returns vary depending on the type of fund you choose and market’s current performance. To give you an idea, Sun Life Prosperity Funds’ Fund Fact Sheet shows the historical performance of each fund, you may view it via http://www.sunlifefunds.com. Thank you!

arlyn on

Hi maam Mika,
please send me the detail of Pension plan plus.

thankl you

    Mika on

    Hi Arlyn! Kindly email us your contact details and location via editor@brighterlife.com.ph so we can refer you to a financial advisor for free consultation. Thank you

rey on

Hi ma’am ask ko lng po kung my free seminar po ba about mutual fund? tns po in advance..

Verna on

Good day! Do you have office and financial advisor here in Iloilo?want to know more about mutual fund and how can I start with it. Thank you.

    Mika on

    Hi Verna, you can visit us at our Iloilo Customer Center at G/F Platinum Square Building, Gen. Luna Street, Iloilo City. Here’s our contact number: (033) 3378918. We can also refer you to a financial advisor, just email us your contact details via editor@brighterlife.com.ph.

michael on

Hey, im from iloilo too. Do we really need a financial advisor to apply for a sunlife mutual fund or can i just come to your office and ask to apply for a mutual fund?

    Mika on

    Hi Michael, yes you would need a financial advisor to help you get started. You can find an advisor through our referral or at any Sun Life Customer Center.

      michael on

      Oh i thought i can just apply on my own.. So you mean that there is already a financial advisor when i go to their customer center? Cause i just realized that their customer center is just a couple of minutes walk away from work..

      Mika on

      Yes, that’s correct. You may visit us at the nearest Sun Life Customer center.

Airel Jan Manacpo on

Hi Ms.Mika.I want to apply for the Phil Equity Fund.I already downloaded all the necessary forms for the mutual fund.I’m from Quezon City.What are the other steps that I need to do after I fill out the forms?

    Mika on

    Please proceed to the nearest Sun Life Customer Center in your area so that an advisor can help you get started.

Jepoy on

Hello Ms. Mika, I want to apply a mutual Fund using the Phil Equity Fund. Forms are already downloaded & ready for submission. II’m OFW here in KSA & I don’t know the next step. Your assistance & advise is highly appreciated.

michael on

Hello again. I’ve seen the order ticket for subsequent deposits. Is it true that every additional deposits, sales load is still there? Cause i thought sales load are only asked upon opening. And is it true that every subsequent payments require the signature of a mutual fund advisor?

    Mika on

    Hi Michael, subsequent investments have corresponding sales load. If you course it through MF online, no need for the signature of your advisor. If via order ticket form, you need signature of advisor or branch/Customer Center staff.

Richard on

Hi! What if don’t put money every month would that be fine? And is it ok if I just start w/ 5k as initial investment?

    Mika on

    Hi Richard, subsequent investment is not required but we encourage to invest regularly to fully enjoy your money grow. And yes, you can start investing with just P5,000. When you’re ready you may visit any Sun Life Customer Center in your area to talk to an advisor or you can email us via editor@brighterlife.com.ph so we can refer you.

Jeff.M.D.C. on

Hi Ms. Mika. I am quite confused on how the process exactly works in “withdrawing” Fund Value. So, if my “Policy” is P3k a Month, and I intend to “withdraw” the “fund value” every 5 years, would that equal to 3k x 12 Month x 5 years + interest (granted that it is invested in Mutual Funds)?

And granted that the Policy is set for a High Risk (Mutual Fund), would it be possible that after 5 years, the “Fund Value” would be lower than the accumulated amount invested in 5-years (e.g. 3k x 12Months x 5years = 180k)?

I appreciate your help. Thank you in advance.

    Mika on

    Hi Jeff. Fund value is dependent on market performance and is not guaranteed. Thus, the value may increase or decrease depending on the current market performance. You may check the status of your MF account via Sunlink Online to monitor your earnings or you can refer to your financial advisor.

      Jeff.M.D.C. on

      Thank you for the link and for the speedy prompt response.

Ezekiel Tesoro on

Hi. I was wondering can college students invest here as well? I’m already of legal age.

    Mika on

    Yes, student of legal age can already start to invest. You can visit any Sun Life Customer Center to consult with an advisor or we can refer you. Just email us your contact details and location via editor@brighterlife.com.ph.

Jay-Ar Madeo on

Hi po! Pwede po bang mag-invest ng amount lower than 10K? Let say for example P5,000.00 at maghuhulog po every month ng P2,500.00?

    Mika on

    Hi Jay-Ar. Yes, minimum initial investment is P5,000 only. For subsequent investments, minimum is P1,000.

      Jay-Ar Madeo on

      Do you have office located in BGC? I reside in Taguig kasi.

      Mika on

      Yes, you can visit us at Sun Life Centre, 5th Avenue corner Rizal Drive in BGC.

    Glo on

    Yes Jay-Ar Madeo. You can start with Mutual Fund with P5,000 and a monthly additional investment with your P2,500.

armand on

Hello… I’m an ofw, just want to ask. Can I invest even if I’m here abroad.. or I need to go home first? So much interested with sun life, really…

Francis James on

Hi po, I just wanted to ask if it is really easy to invest and is it worth it? I am very interested in investing but at the same time I’m having second thoughts because I have no idea how it really works and afraid of the risks that I would be taking. I’m a working college student btw, and savings is not really a problem but I really wanted to plan ahead for my future. Hoping for your kind response, thank you! 🙂

    Mika on

    Hi Francis! You can invest in mutual funds by visiting and Sun Life Customer center in your area or consult a financial advisor. Bring a valid gov’t-issued ID and fill out the INvestor Profiel Questionnaire and you can already start investing. You can try learning more about how mutual funds work by watching our lessons at Brighter Life Institute for free. If you have further questions, just email us at editor@brighterlife.com.ph.

      Francis James on

      I am currently residing po in Dasmarinas, where po ang nearest Sun Life branch in Cavite? And once po na pumunta doon ano pong sasabihin, interested po ba maginvest or sa mutual funds? And tinatanggap po ba ang college ID? I just turned 18 kasi 3 months ago and I still don’t have a gov’t-issued ID. Hindi rin naman kailangan sa work since I’m also working in the same university. Thank you po in response! 🙂

      Mika on

      Hi Francis, you can go to our Dasmarinas Customer Center, here’s the address and contact number:
      2/F Annie’s Plaza, San Agustin
      Dasmarinas City
      Tel. No. (046) 484-0452

      There will be a financial advisor there who will help you get started. We accept government-issued IDs, you can present your birth certificate or passport. 🙂

Rowena U. Tolete on

Hi , kumuha ako ng mutual fund sa sunlife , bago pa, bale payable for 10 yrs and kinuha ko, I’m married, ngaun pag Namatay ba ako na hindi nabayaran ng full , let’s say 2 yrs Lang Namatay na ako . How much money my beneficiary will get ?
And makukuha ba nia ung amount Lang na binayaran ko for 2 yrs ?

    Mika on

    Hi Rowena, are you referring to a VUL from Sun Life instead of a mutual fund? Please note that the Brighter Life Team does not have access to the private information such as policy details of our clients. We can forward your policy-related inquiry to our Customer Service to assist you. Kindly email us via editor@brighterlife.com.ph with your policy number and contact details. Thank you.

rea on

Hi po, anu po ang magandang plan for a beginner? Thanks

    Mika on

    Hi Rea, it depends on your goals and needs. A financial advisor can best help you assess the best investment that will fit you through a free consultation. You can email us via editor@brighterlife.com.ph so we can assign an advisor for you. 🙂

Mr. Unforgiven on

Hi Mika. I like to know if Sunlife has a Customer Center located here in Baguio City. I am really keen on putting my savings on investments, withdrawing the funds from my bank accounts that don’t even earn enough interest to help me recoup from inflationary losses. Based on my reading, historically Sunlife’s Mutual Fund has been one of the top performing mutual funds in the country so I think Sunlife is one of the better options available.

Please let me know the address so I can have a chat with them soon.

Cheers!

    Mika on

    Hello! You may visit us at our Baguio Customer Center. Here’s the address and contact details:
    RM 701-702 7/F National Life Building
    110 Session Road, Baguio City
    Tel. No. (074) 446-9301
    Fax No. (074) 446-9305

Jr monte on

How can i start investing eventhough iam here abroad?

AJ Technos on

Kelan niyo po makukuha yung ininvest mo? Anytime? Thanks

    Mika on

    Hi AJ, you can redeem your funds any time.

Russel S. Acain on

Hi Mika, I am interested to invest. I have some few questions like, if I invested an initial of 5,000, is it okay if I failed to invest monthly like 1,000? Is it mandatory to have a monthly investment for mutual fund? I am a private employee and wish to take part a portion of my salary in MF investment and sometimes there are expenses need to be settled first. Please give some advise. Thanks.

    Mika on

    Hi Russel, glad to know you’re interested to invest for a brighter life. 🙂 Subsequent investments are not required. You can choose to add more on your investment whenever you want. But of course, we encourage to invest regularly and for the long-term to fully realize gains.

Gene on

Good day Mika! How can I become a financial advisor? Can I do it on a part time basis?

    Mika on

    Hi Gene! Yes, you can be a financial advisor either for full-time or part-time. You may go ahead and send your CV to jmben@sunlife.com. Thank you 🙂

Amie on

Hello Ms. Mika,

Kung may lumpsum money akong P300,000 okey bang i-invest sa PhilEquity Fund for 3 to 5 years.
Thanks.

Amie

    Mika on

    Hi Amie! The Prosperity Equity Fund was designed for the investor with the long term in mind (7 years and beyond) to generate his/her investment’s maximum capacity to earn. A financial advisor can best discuss with you details of investing in the Equity Fund. When you’re ready, we can always refer yo to an advisor, just email us via editor@brighterlife.com.ph

jonalie barrozo on

I’m interested to invest but I need to learn more about it.
i want to know how long/maximum time is one mutual fund investment should take?
and how much is the minimum investment?

    Mika on

    Hi Jonalie. Minimum initial investment is P5,000 only. Like any other investment instrument, mutual funds are best held long-term especially for mutual funds that have investment objectives of capital growth.

Myca on

Hi! I’m turning 23 this year and I’m interested to invest. My income is not big since I just started working. Does it mean that I can still invest the minimum investment which is 5,000 php and monthly investment of 1,000 php? And is it okay not to have monthly investment (let’s just say I will have to give 1,000 php every 3months)? Is it allowed? And lastly, and where do I go or contact if I need further knowledge regarding this. I’m from Batangas City.

    Mika on

    Hi Myca. Yes, you can start investing with P5,000. Monthly investments are not required but we encourage investing regularly to fully enjoy your money’s growth. You can go to our Customer Center in Batangas, here’s the address and contact details:

    Batangas Customer Center
    3F JR Business Complex
    JP Laurel Highway , Mataas na Lupa, Lipa City
    Telefax No. (043) 757-5336

      Mika on

      Hi Myca, here’s the contact number for our Balagtas, Batangas branch: (043) 741-0257

cris on

Hi Ms.Mika I want to ask any location around Davao city.Plan ko kasi mag open ng mutual fund pagkauwi ko ng pinas next year.Thank you more power.

    Mika on

    Here you go, Cris.

    Davao Customer Center
    G/F Plaza de Luisa Building
    Ramon Magsaysay Avenue, Davao City 8000
    Tel. No. (082) 227-7635, (082) 221-1589
    Fax No. (082) 221-5946

      cris on

      thank you.

KPBT on

Being diligent with saving in his mutual fund it gave this person more or less 250,000 over 5 years. Not bad

Mike on

Hi. I was investing in my Sunlife but some things happened and I think my fund value ran out. Can I continue it? Or my money is gone forever and I need to start a new account?

    Mika on

    Hi Mike! The Brighter Life team does not have access to our clients’ private information. We can forward your inquiry to our Customer Service to assist you. Please email editor@brighterlife.com.ph with your name, contact details and policy/account details. Thank you.

Joey on

Hi ! Ask ko lang po kung pwede ba mismo magpunta sa sunlife branch para kumausap ng advisor, may nababasa kasi ako na nakikipag-meet ung iba sa advisor.. tingin ko kasi mas safe kung sa mismong branch na mag usap.. I’m from pasay po may malapit po ba kayong branch dito? Thank you!

Helen F. Bansiloy on

Im interested to invest in mutual fund. Can I withdraw portion of my investment anytime?

    Mika on

    Yes, you can redeem funds anytime. Whenever you’re ready, we can refer you to a financial advisor who can help you get started. Email us at editor@brighterlife.com.ph. Thanks!

Ruther Martin on

I am interested to transfer my wealth to a certain mutual fund. Please tell how much will be the initial investment and monthly contributions.

    Mika on

    Hi Ruther, minimum initial investment is P5,000 only. A financial advisor can best help you get started on investing. You may send us an email via editor@brighterlife.com.ph so we can assign an advisor for you.

Marieza on

I am an OFW’S for quite sometimes now. I’m also interested to buy a share in a bond fund. But, since I am not in the Philippines now, would it be a good idea to ask someone to buy the share under the trusted name? It’s just a waste of time to put money in a bank.

    Mika on

    Hi Marieza, it’s possible to have a co-investor who will invest in your behalf. You may send us an email at editor@brighterlife.com.ph so we can have a financial advisor get in touch with you soonest. 🙂

Mary Ann on

Much interested of the MF. Do you have branch in Puerto Princesa, Palawan

    Mika on

    Hi Mary Ann, here’s the address and contact number for our office in Palawan:
    2/F Eastville City Walk along National Highway
    Brgy. San Pedro, Puerto Princesa City, Palawan
    Tel. No: (048) 434-1420
    Fax No: (048) 434-1419

hayan on

Is Sun Life Growth Plus Fund is a mutual fund?
or VUL? Whats the difference?

    Mika on

    Hi Hayan, Sun Life Growth Plus Fund is a fund option exclusively available to investment-linked insurance products or VUL. Should you be interested, you can email us at editor@brighterlife.com.ph. so we can assign a financial advisor to provide you a free consultation.

Hann on

Do you have an office in Davao City?

    Mika on

    Yes, here’s the address and contact details:
    G/F Plaza de Luisa Building
    Ramon Magsaysay Avenue, Davao City 8000
    Tel. No. (082) 227-7635, (082) 221-1589
    Fax No. (082) 221-5946

Mhae on

Hi Ms. Mika., im Mhae from Caloocan, am ask ko lang po since first timer po ako and gusto ko po mag invest, base po kasi sa mga nabasa ko minimum initial investment is P5,000 only., and monthly deposit is 1,000…
kapag nakapag deposit na po ba ng 5,000. the next month start na po ung 1,000 deposit? ilang years naman po bago po namin makita na tumataas po ung amount na nainvest po namin?

may malapit po ba na Sun Life with in Caloocan??

Thank you po. 🙂

    Mika on

    Hi Mhae,
    You can choose to add subsequent investments of P1,000 any time you want. We recommend investing regularly to fully realize gains. Returns will vary depending on your chosen type of fund and market performance. Your financial advisor can help you assess what type of fund will suit your goals and needs.
    You can go proceed to our Caloocan Customer Center, here’s the address and contact details:
    3/F HGL Building, 554 EDSA corner Biglang Awa St, Caloocan City
    Tel. no. (632) 365-3180
    Fax no: (632) 365-3179

      Mhae on

      Hi Ms. Mika,. Noted on this. Thanks! God bless po.

nina on

hi ask ko lng if pwd mg invest 20k pero isang beses lang po i am still a student kc and pwd ba malugo yon or walang mabalik sakin na pera?

    Mika on

    Hi Nina. Yes you can invest starting with 20k only. Growth of your money will depend on what type of investment you choose to invest in. You can read about it here: j.mp/174yGXG or consult with a financial advisor. You may also email us at editor@brighterlife.com.ph.

      Jaime Al-os on

      Hi , Can you please let me know of how to start in investing theMutual Funds. If I have a capital of a 100,000 how much Ican gain in a year. Best regards , Jaime M. Al-os

      Mika on

      Hi jaime. The first step is a free consultation with our financial advisor. Kindly send us an email with your location and contact number so we can refer you to an advisor.

ricky on

Have a nice day can you help me how to start in mf my goal is
longterm savings….godbless ang afford ko lng is,5k montly pwdi png bumaba,maybe 2k. So anong maisusyggest nyu skn… thnk u

    Mika on

    Hi Ricky! Kindly email us at editor@brighterlife.com.ph so we can refer you to a financial advisor for free consultation. Thank you 🙂

imnotseiren on

Mi Ms Mica, I’d like to know if there is some stock certificate to be given when you invest for mutual fund? Or any proof that you really invest? You response would be much appreciated. Thanks in advance!

    Mika on

    You will receive official receipt once you start investing. You can also monitor your investment via our online facility SunLink Online.

      Hekmatyar on

      Ow I see. Salamat for the response Ms. Mica.

      Generoso on

      Hi! I am an OFW. Please guide me for I am a policyholder for Sunlife Flexi link. My financial advisor encouraged me to top up for my savings rather than sending money to the bank. She said further, this is a better investment in the later part. Please give me concise explanation for this. And what would you advise me if I can have my savings around 30-40k monthly. Thank you.

      Mika on

      Hi Generoso, we can refer you to our Customer Service so you can discuss with them your inquiry further as the Brighter Life team does not have access to clients’ policy details. Please email us via editor@brighterlife.com.ph so we can direct your inquiry to the right team. You may also email them directly via sunlink@sunlife.com. Thank you.

zekael on

Hi po.. Tanong q lng.. I hav a current VUL, kaso i projected my investment to 10 years, with 10% annual rerurn. Bakit parang total investment q same amount parin sya after 10 years.. Ganun bah tlaga kmahal ang premuims ng VUL?

    Mika on

    Hi! The Brighter Life Team does not have access to our clients’ private information such as policy details. We can forward your query to our Customer Service for faster transaction. Kindly email us your policy number, full name and contact details via editor@brighterlife.com.ph. Thank you

carlbvickers on

Hi.
Do foreigners have the right to invest also?
I’m a young foreigner with a pension and living in Philippines permanently. Are there options available for me? I live in Cebu.

    Mika on

    Yes, you can invest in Sun Life’s mutual funds. You can visit our Cebu Customer Center. Here’s the address:
    3F Innove Plaza Building Panay Rd. cor. Samar Loop
    Cebu Business Park, Cebu City 6000
    Tel/fax number : (032) 4158566

      michael on

      Hi.. If i would open an account today. Then a few months later someone decided to join me. Is it possible to add a co-investor months after i opened a personal account?

      Mika on

      Yes, as long as both you and your co-investor are present here in the Philippines to sign.

Sahara Mercadal on

Hi,

I’m very interested to try mutual funds and start with 5k. Is there a financial adviser you can suggest here in Cebu? Thanks 🙂

Generoso Ferrer Jr on

I am a policy holder of Sunlife flexi link. I want to know more about topping up and the benefits of this. Please guide me to where I must further invest my salary besides from topping up monthly. I am an RN working overseas with compensation of Php +/- 90 thousand monthly.Thank you.

    Mika on

    Hello! Please note that the Brighter Life Team does not have access to private information such as our clients’ policy details. You may consult with your financial advisor or we can forward your inquiry to our Customer Service team. Please email us your policy number and full name via editor@brighterlife.com.ph so we can verify with them. Thank you.

Mutya on

Hi Mika. I am very interested to invest on mf. However, I have few questions. Let say I started with 5000 min investment, what documents will I be receiving because compared to banks, they provide a certificate. Next is, let say I would like to add 1000 on top of my 5000, will I receive any proof or documentation that I have deposited 1000? Sorry for asking these questions, I’m still new on these things. Anyway, thanks in advance for your reply. Happy New Year.

    Mika on

    Hi Mutya, yes you will receive acknowledgement receipts (email and SMS) for every investment. We also have an online facility where you can monitor your investment anytime, anywhere.

Paul on

Hi! Question gano katgal bako ka kumita pag MF?

Jenny Lou on

which is better? invest in stock market like blue chip or mutual fund?

Paul on

can you monitor on how much you earn on your investments?

    Mika on

    Hi Paul! Yes, you can monitor your investments through our online facility Sunlink Online.

      Paul on

      Thank you, as I am planning to invest as early as now.

Vans on

Good day!
Whats the minimum amount for this investment or mutual fund?
I am interested.

    Mika on

    Hi Vans! Minimum initial investment is P5,000 only. To start investing, you can proceed to any Sun Life Customer in your area or consult with a financial advisor. Should you prefer to be referred to an advisor, please email your location and contact number at editor@brighterlife.com.ph. 🙂

Brent Carillo on

Hi im interested in mutual fund pls teach me how to do?

    Mika on

    Hi Brent! A financial advisor can best guide you on how to get started. Kindly email us your location and contact details via editor@brighterlife.com.ph so we can refer you for free consultation.

jejeboi on

Very inspiring article po. Gusto ko po sana mag invest din, I’m planning to initially invest 200K and a monthly investment of 5K. Can you briefly explain to me how much will I gain in 5 years? Thanks in advance.

    Mika on

    Happy to know you’re interested to invest! Note that mutual funds are best held long-term (5 years and above) especially for funds that have investment objectives of capital growth like equity fund. We have a Fund Fact Sheet at http://www.sunlifefunds.com which you may look into to see the fund’s historical performance. When you’re ready to invest, you may proceed to any Sun Life Customer Center or consult with a financial advisor.

Mark on

Hi im interested in mutual fund. san po meron sa las pinas ? and weekdays lang po ba pede ? and ok ba maginvest ngayon kahit mababa ang halaga ng peso ? tanong lang po. 🙂 thanks.

    Mika on

    Hi Mark! The nearest Sun Life branch from your area is at our Alabang Customer Center, here’s the address and contact numbers:
    G/F Unit 102-103 ALPAP II Bldg, Trade St corner Investment Drive, Madrigal Business Park, Ayala Alabang, Muntinlupa City
    Tel. No. (632) 807-0491, (632)807-0592 and (632) 807-0947

    Please note that office hours are from Monday-Friday, 9am-5pm.

      mark on

      wala po bang location na may weekend ? 😦 gusto ko po sana mag invest kaya lang busy po sa work pag weekdays. sana po meron. :/

      Mika on

      Hi Mark, you can invest through a financial advisor who can meet you at your preferred time and place. We can refer you to one, just provide your contact number via editor@brighterlife.com.ph.

Cherienel Resurreccion on

please call me.

      ariel on

      mam, dito sa toledo city cebu province meron ba kayong branch?

      Mika on

      Hi Ariel. Here’s the address and contact details of our Cebu Customer Center:
      3F Innove Plaza Building Panay Rd. cor. Samar Loop
      Cebu Business Park, Cebu City 6000
      Tel/fax number : (032) 4158566

Jeriel on

Wow.. amazing.. Inspired me.

Clifford on

Hello,san po pwd sa bohol kung meron, intetested po ako.maraming salamat.

    Mika on

    Hi Clifford, you can go to ou Tagbilaran Customer Center. Here’s the address and contact details:
    2/F SLAO Building
    C.P. Garcia corner Tamblot Streets, Tagbilaran City, Bohol
    Tel no. (038) 411 2035
    Telefax No. (038) 5019995

buena on

hi i am really interested to know more about ml,however can you enlighten me about what is better to save 5,000.00 monthly in the bank or invest it to ml?hope to hear from you soonest TIA.(this will actually help me decide where to put or save my extra 5k a month)

Zainal Limpao on

30 and living with your parents. Cool story 🙂

Paul on

Hi Ma’am,

I just started my investment early this month for my balanced fund. I just have a few questions to forgot to ask to my advisor, sa balanced fund ba ang “bond” is kikita after a year palang? how long will it take to earn

Patricia say on

is prosperity investment fund still a good investment as of 2016?

Fah on

Hi Mika!

Is a Fund value, the interest you have gained?
How about the Cash Surrender value, is this the money you can withdraw?

    Mika on

    Hi Fah! Fund Value is the total value of shares you own. Cash surrender value is the sum of money you can withdraw.

carver on

ma”am meron po kayo branch dito sa cabanatuan city nueva ecija? para makapag open po ako ng mutual fund.

    Mika on

    Hello. You can visit us here: Cabanatuan Customer Center
    2nd Floor PCG Building, Km. 112,
    Maharlika Highway, Cabanatuan City, Nueva Ecija 3100
    Tel. No. (044) 463-0450
    Telefax No. (044) 600-2867

Adrian on

Hi Ma’am,

can you switch your current investment from other mutual funds instruments?

Maja Jade N. Perez on

hello! Would it be possible to transfer from my life insurance payment to this mutual fund? I am from Iloilo..

    Mika on

    Hi Maja! You can open a mutual fund with P5,000 only via your financial advisor or you can visit sunlifeprosperity.com.ph.

Joana mary on

How to join in sun life invest money dis is a true investment

    Mika on

    Hi Joana! There are several ways to start investing with Sun Life:
    a. Consult with a financial advisor for free
    b. Visit any Sun Life Customer Center
    c. Purchase the Sun Life Prosperity Card via sunlifeprosperity.com.ph

    Should you want to meet with a financial advisor, kindly email us your location and contact number at editor@brighterlife.com.ph so we can refer you for free consultation.

Armando Camagong on

I am interested in opening an investment fund for my kids and am interested to have options to choose from

    Mika on

    Hi Armando! Glad to know you’re interested. You may start investing for your kids by having a free consultation with our financial advisor. Kindly email us your location and contact number at editor@brighterlife.com.ph so we can refer you to an advisor soonest.

Joan on

Hi po. I want to ask if pwede po ako maginvest ng Php 5,000.00 and maghulog ako monthly ng Php 1,000.00. Magkano po kaya ang magiging balik nun for 5 years? If ever po ba pwede ko pong makuha ung pera na yun after 5 years?

    Mika on

    Hi Joan,

    Yes, initial investment is P5,000 only and minimum subsequent investment is at P1,000. Returns vary depending on the type of fund you want to invest in. We recommend investing for the long-term to fully experience your money grow. There are several ways you can start investing in Sun Life Prosperity Funds or mutual funds:
    a. Visit any Sun Life Customer Center
    b. Purchase the Prosperity Card via sunlifeprosperity.com.ph.
    c. Consult with a financial advisor

maielle on

hi,

good day.

i want to invest in mutual funds, i just want to clarify something before investing.
– when i’ve already invested my money lets say in mutual funds, do i need to monitor it every quarter or annually?
– also, if i invested it to long term, i understand that it will not guarantee me to have a higher return, but does my money i save from 5 years (if it does not give me higher return) will it gives me a lesser money from the amount that i save?
– also, i’m from pampanga where can i reach a sun life financial advisor, and does that advisor requires professional fee?

i have amount of money in my hand but eveytime i tried investing, i just pull out because of i don’t know, honestly i don’t care if i need to save/keep it 5 years or longer, as long as it does guarantee me to have a higher interest versus from a regular savings account, and i don’t need to monitor it every now and then. that’s my dilemma in investing really.

    Mika on

    Hi Maielle, when investing it’s important to know what your goals are so you will know how long you will keep it invested. A financial advisor can best help you map out your goals and recommend the type of investment you will need that will fit your needs and goals. We can refer you for a free consultation, just email us your full name and contact number via editor@brighterlife.com.ph.

john christopher dalo on

yearly po ba ang pag ininvest or monthly

    Mika on

    It depends on how often you want to invest but we recommend investing regularly to fully see your money grow.

Sally.dela Fuente on

Hi I’d like to know how to invest properly but I could not find any sunlife advisor. Care to direct me to them? I am based in Cebu. Appreciate if they can email me soon. thanks. Sally

    Mika on

    Hi Sally, thank you for the interest. May we know your location and contact number please so we can assign a financial advisor to contact you? Kindly email us via editor@brighterlife.com.ph.

Lynn on

Hi,

I just sent an email but can someone contact us? My fiance and I would like to know more about Mutual Funds. I hope to hear from you.

Lynn

    Mika on

    Hi Lynn! We replied to your email. Kindly check your inbox. Thanks!

alvin banzon on

can a 16 yrs. old kid can invest in mutual funds?

    Mika on

    Hi Alvin! You may place investments in the Sun Life Prosperity Funds under your name in trust for your child if he is not yet 18 years old. Simply fill-out and indicate in the application form that the account is “in trust for” (ITF) the name of the child and accomplish a Confirmation of Trust agreement, available upon request from our Investor Services Department. Make sure that you provide a photocopy of your child’s birth certificate when placing investments under an ITF account. However, please note that the investment will not automatically be placed under the name of the child, when he/she reaches the age of majority (18 years old). A written request must come from you in order for the transfer to take effect.

      Myla Aurelio on

      hi.. follow up question lng po if a child is below 18years of age and u already signed up an ITF… and the person who is the trustee died before 18years old…who will sign the written request so transfer will take effect to the child.. tnx.. (planning to get MF for my 7 years old daughter…)

      Mika on

      Hi Myla , the surviving parent will be the one to sign the written request.

Dexter on

Hi Ms. Mika,

Can you help to start investing in MF?

    Mika on

    Hi Dexter! We replied to your email. Kindly check your inbox please. Thanks!

Mary jane b mamaradlo on

Wow

anabel on

Kailangan po bang may savngs account ako bago po mag open ng mutual fund sa sun..Ano rin po ang mga requirements..Kailangan po ban may work para sa tin..Kailangan po ba na tin?

    Mika on

    Hi Anabel. First step po ay free consultation with a financial advisor. We can refer you to an advisor just email us your location and contact number via editor@brighterlife.com.ph. Ang mga requirements po ay gov’t-issued IDs (passport, TIN, SSS, driver’s license, voter’s ID, etc.) at investor profile questionnaire.

Tony on

Is it okey to invest even if I am abroad

    Mika on

    Hi Tony, you may email us via editor@brighterlife.com.ph so we can refer you for online consultation with our financial advisor. Thank you.

      mvirola on

      Hello Ma’am, I’m interested in investing po. I am turning 24 this year, female and single. Ano po bang marerecommend niyo for me? May nakausap po akong adviser VUL po ang inaalok niya sakin. May difference po ang ang MF at VUL? Ano po bang mas better? Thankyou po.

      Mika on

      Hi! The financial product for you will depend on several factors such as your priorities and financial goals. We suggest discussing your goals to your financial advisor so he or she can recommend the best product that can help you reach your goals.

bryan on

im ineteresting this investments tanong kulang po pwede ba dalawang acounts ko dito? at saka paano po ba mag register or mag join? my branch po ba kayo sa cagayan de oro city.

thanks.

    Mika on

    Hi Bryan, you can invest in multiple funds under one account. You may visit sunlifeprosperity.com.ph to buy and activate the Sun Life Prosperity card or you can visit our branch at Cagayan De Oro City, here’s the address and contact details:
    2/F Philippine First Insurance Building
    President Aguinaldo corner Borja Streets, Cagayan de Oro City 9000
    Tel. No. (088) 725-242
    Telefax No. (088) 857-4702

Des on

Hi. I’m just curious how much is the interest rate exactly?

    Mika on

    Hi Des, rates vary depending on the type of fund you choose and the overall market performance. You may check our Fun Fact Sheets for each fund at sunlifefunds.com to see the hsitorical performance.

Alicia M. Advincula on

I am 62 years old and I am interested in opening an account for my grand daughter who is only 8 years old. She is with her parents overseas who are OFWs. Can I open an account in her name?

    Mika on

    Hi Ms Alicia, yes you may open an account for your grand daughter. You may do this by consulting with a financial advisor or visiting any of our customer centers.

arze on

are we gonna earn every month??

Homer on

ho can i apply

    Mika on

    There are several ways you can open a Sun Life Prosperity Fund or mutual fund account with us:
    a. Consult with a financial advisor ( We can refer you for free consultation, just email your location and contact number to editor@brighterlife.com.ph)
    b. Go to sunlifeprosperity.com.ph and purchase the Prosperity Card
    c. Visit any Sun Life Customer Center near you
    Requirements are:
    a. Valid government issued IDs (TIN, SSS, Driver’s license, etc.)
    b. Duly-filled out Investor Profile Questionnaire

edwin oban on

im interested to invest next because im on board seaman 2017 my finish contact live in novaliches i would to visit sun life customer center do you have customer center near novaliches

    Mika on

    Hi Edwin. You can visit us at our Fairview Customer Center:
    2F BDI Center, Lot 33, Blk 114, Regalado Ave, Greater Lagro, Novaliches, Q.C.
    Tel No: (02) 376-9529

chona on

what kind of mutual funds it is balance, equity,stable…please share with us.

    Mika on

    Hi Chona, as stated in the article, the computation reflects money invested in Sun Life Prosperity Balanced Fund. Should you be interested, you may email us via editor@brighterlife.com.ph with your location and contact number so we can refer you to a financial advisor for free consultation. Thank you. 🙂

Nerissa on

Hi! Im a college student and 18 yrs old. Napakainteresting po talaga nito tanong ko lang po maganda po ba talagang mag invest sa ganito kahit student palang? Tsaka san maganda maginvest na katulad kong student pa lang. Im taking BS Accountancy pero di ko alam kung saan magandang maginvest ng pera since di ko pa naman naeexperience 🙂

    Mika on

    Hi Nerissa, it’s good that at a young age you’re already thinking of investing. 🙂 Pwede ka na mag invest as long as 18 years old ka na. Choosing what to invest in will depend kung ano ang mga goals mo at kung kailan mo ito gusto maachieve. You can try this online tool para malaman mo ang investment na bagay sa iyo: https://moneyforlife.com.ph/. For more questions, you can always email us via editor@brighterlife.com.ph.

Felmer on

Hello po,how to apply for an acct.in mutual funds comp.(like sunlife)for an ofw like me..can i do it while i am here in abroad.thank u very much

    Mika on

    Hi Felmer. You may email us via editor@brighterlife.com.ph so we can assign a financial advisor to get in touch with you. Thank you.

Melanny ezebb on

Hi ms.mika, im an ofw,.i just want to know how much yung annual premium ng healthcare investment sa sunlife, lets say yung pinaka standard na kinukuha ng mga clients nyo.,then how many years to pay kaya? And if ever si policyholder is in good health condition for that particular years at dumating na yung maturity date, may money back guaranteed kaya to sa mga nahulog ni policy holder.? And whats the nearest branch dito sa general trias,malapit kami sa sm dasma. Thank you and god bless!

    Mika on

    Hi Melanny, a financial advisor can best guide you on your inquiries. We can refer you to one, just email us via editor@brighterlife.com.ph.
    Here’s the address of the nearest Sun Life client service center in your area:
    2/F Annie’s Plaza, San Agustin
    Dasmarinas City
    Tel. No. (046) 484-0452

Imelda Garcia on

Hi good morning ! I just want to enquire how to join the mutual fund! Im interested thank you!

    Mika on

    Thank you for reaching out to us. There are several ways you can open a Sun Life Prosperity Fund or mutual fund account with us:
    a. Consult with a financial advisor
    b. Go to sunlifeprosperity.com.ph and purchase the Prosperity Card
    c. Visit any Sun Life Client Center near you

    Requirements are:
    a. Valid government issued IDs (TIN, SSS, Driver’s license, etc.)
    b. Duly-filled out Investor Profile Questionnaire

      Zandy Lumacang on

      Greetings! I would like to know how to get in touch with a financial advisor. I’m really interested in opening a mutual fund account. Thank you!

      Mika on

      You can visit any Sun Life Customer in your area or email us your location and contact number via editor@brighterlife.com.ph so we can refer you to an advisor for free consultation.

Add a new comment:

Note: Please be sure to read our commenting policy and terms and conditions for this site. We reserve the right to delete any comments that we view to be in violation of our policy. The name you provide will appear next to your comment. Thank you!

Your email address will not be published. Required fields are marked *

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

Connect to your Brighter Life

%d bloggers like this: