Philippine Mutual Fund Performance (1st Quarter 2013)

April 19, 2013 1 Comment


The Philippine Equity market has an outstanding return for the 1st quarter of 2013. Most of the mutual funds products with exposure to the Philippine stocks yield more than 10%.

On the other hand, Bond/Fixed-Income fund yields exceptionally well after the investment grade ratings received from Fitch agency.

Below is the Philippine Mutual Fund performance for the 1st quarter of 2013.

Equity Funds

  1. Philippine Stock Index Fund – 18.40%
  2. Philequity Fund – 17.00%
  3. Philequity PSE Index Fund – 16.40%
  4. Sun Life Prosperity Philippine Equity Fund – 15.70%
  5. ATRKE Alpha Opportunity Fund – 15.00%
  6. Philam Strategic Growth Fund – 14.60%
  7. ATRKE Equity Opportunity Fund -13.70%
  8. First Metro Save and Learn Equity Fund – 13.60%
  9. United Fund – 10.50%

Balanced Funds

  1. Sun Life of Canada Prosperity Balanced Fund – 15.24%
  2. Optima Balanced Fund – 13.79%
  3. PAMI Horizon Fund – 13.57%
  4. Philam Fund -13.44%
  5. ALFM Growth Fund – 13.23%
  6. First Metro Save and Learn Balanced Fund -    13.03%
  7. NCM Mutual Fund of the Philippines. – 12.69%
  8. ATRKE Philippine Balanced Fund -12.20%
  9. Bahay Pari Solidaritas Fund -    9.40%

 Bond/Fixed-Income Funds

  1. Philequity Peso Bond Fund – 19.85%
  2. Philam Bond Fund – 15.06%
  3. First Metro Save and Learn Fixed Income Fund – 12.27%
  4. Ekklesia Mutual Fund   – 12.15%
  5. Grepalife Bond Fund Corporation – 11.49%
  6. Sun Life of Canada Prosperity Bond Fund – 10.60%
  7. Sun Life Prosperity GS Fund    – 9.13%
  8. Prudentialife Fixed Income Fund – 8.73%
  9. ALFM Peso Bond Fund – 5.31%
  10. Cocolife Fixed Income Fund     – 2.16%

With the coming elections this May, the Philippine Equity and Debt market would likely yields more on the 2nd quarter.

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Philippine Mutual Fund Performance (2012)

January 9, 2013 1 Comment


The year 2012 was a very good year for the Philippine Stock Market. The PSE index were up by 32% by the end of the year.

My investment in the Philippine Mutual Fund (Equity & Balanced) were up by 30% and for my direct investment in the stock market were only up by 20%. My direct investment were far below the PSE index performance because my stock portfolio was composed 20% of mining stocks. The recent mining policy in the Philippines pays heavy toll on all mining stocks.

Below is the Philippine Mutual Fund Performance for the year 2012.

Peso Equity Funds (Primarily Invested in the Philippine Equities)

1. Philippine Stock Index Fund Corp. – 34.33%

2. Philequity Fund, Inc. – 33.30%

3. Sun Life Prosperity Phil. Equity Fund, Inc. – 32.02%

4. Philequity PSE Index Fund Inc.  – 29.60%

5. Philam Strategic Growth Fund, Inc. – 29.30%

6. ATR KimEng Equity Opportunity Fund, Inc. – 27.70%

7. First Metro Save and Learn Equity Fund, Inc. – 26.97%

8. United Fund, Inc. – 18.60%

Peso Balanced Funds

1. Bahay Pari Solidaritas Fund, Inc. – 25.73%

2. First Metro Save and Learn Balanced Fund Inc. – 24.80%

3. Philam Fund, Inc. – 24.66%

4. Sun Life Prosperity Balanced Fund, Inc. – 24.56%

5. Optima Balanced Fund, Inc. – 24.20%

6. GSIS Mutual Fund, Inc. – 23.74%

7. ATRKE Philippine Balanced Fund – 22.80%

8. NCM Mutual Fund of the Phils., Inc – 21.60%

9. ALFM Growth Fund, Inc – 19.10%

Peso Bond Fund (Primarily Invested in Philippine Debt Securities)

1. First Metro Save and Learn Fixed Income Fund, Inc. – 11.30%

2. Grepalife Bond Fund Corporation – 10.77%

3. Philam Bond Fund, Inc. – 8.69%

4. Philequity Peso Bond Fund, Inc. – 8.03%

5. Prudentialife Fixed Income Fund Inc. – 7.83%

6. Cocolife Fixed Income Fund, Inc. – 7.61%

7. Ekklesia Mutual Fund Inc. – 6.69%

8. Sun Life Prosperity GS Fund, Inc. – 5.86%

9. ALFM Peso Bond Fund, Inc. – 5.81%

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Philippine Mutual Fund Performance – 3rd Quarter 2012

October 10, 2012 Leave a comment


The Philippine Stock Market did not merely move on the 3rd quarter of 2012. I guess this is mainly due to the debt crisis in Europe.

Last week, the PSE index reaches another all time high and many market analyst believe that our market are again gearing up for another rally.

For those who are investing in the mutual fund, below are their performances for the 3rd quarter of 2012.

The Philippine Mutual Fund performance for the 3rd Quarter of 2012 (January to September 2012).

EQUITY FUNDS (primarily invested in Philippine Peso equities)

  1. Philippine Stock Index Fund – 22.88%
  2. Philam Strategic Growth Fund – 22.55%
  3. Philequity Fund – 21.70%
  4. Sun Life Prosperity Phil. Equity Fund – 21.45%
  5. FAMI Save and Learn Equity Fund – 20.35%
  6. Philequity PSE Index Fund – 19.94%
  7. ATRKE Equity Opportunity Fund – 17.82%
  8. United Fund – 13.41%

BALANCED FUNDS (mixed investment in Philippine Peso bonds and equities)

  1. GSIS Mutual Fund – 20.63%
  2. Philam Fund – 20.42%
  3. Bahay Pari Solidaritas Fund – 19.70%
  4. FAMI Save and Learn Balanced Fund – 18.30%
  5. NCM Mutual Fund of the Phils. – 17.39%
  6. Sun Life Prosperity Balanced Fund – 16.49%
  7. ATRKE Philippine Balanced Fund – 14.82%
  8. Optima Balanced Fund – 14.57%
  9. ALFM Growth Fund – 13.90%

BOND FUNDS (primarily invested in Philippine Peso bonds)

  1. Grepalife Bond Fund – 6.28%
  2. Cocolife Fixed Income Fund – 6.06%
  3. FAMI Save and Learn Fixed Income Fund – 4.84%
  4. Philam Bond Fund – 4.53%
  5. Sun Life Prosperity GS Fund – 4.40%
  6. Prudentialife Fixed Income Fund – 4.33%
  7. Ekklesia Mutual Fund – 4.20%
  8. Philequity Peso Bond Fund – 3.92%
  9. Sun Life Prosperity Bond Fund – 3.73%
  10. ALFM Peso Bond Fund – 3.67%

Source : PIFA

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Philippine Mutual Fund Performance – 1st Quarter 2012

April 25, 2012 3 Comments


The Philippine equity markets are doing well on the 1st quarter of 2012. Every funds with exposure to the stock market are profitable.

EQUITY FUNDS (primarily invested in Philippine Equities)

  1. Philam Strategic Growth Fund – 21.3%
  2. Philippine Stock Index Fund – 18.6%
  3. Philequity Fund – 17.1%
  4. First Metro Save and Learn Equity Fund – 16.6%
  5. Sun Life Prosperity Phil. Equity Fund – 15.8%
  6. ATRKE Equity Opportunity Fund – 15.7%
  7. PhilEquity PSE Index Fund – 14.4%
  8. United Fund – 6.7%

BALANCED FUNDS (primarily invested in Philippine Equities and Bonds)

  1. ALFM Growth Fund – 24.1%
  2. Bahay Pari Solidaritas Fund – 23.4%
  3. GSIS Mutual Fund – 20.2%
  4. Philam Fund – 19.9%
  5. NCM Mutual Fund of the Phils. – 17.8%
  6. First Metro Save and Learn Balanced Fund – 16.1%
  7. ATRKE Philippine Balanced Fund – 12.2%
  8. Sun Life Prosperity Balanced Fund – 12.1%
  9. Optima Balanced Fund – 11.6%

 BOND FUNDS (primarily invested in Peso debt securities)

  1. Cocolife Fixed Income Fund – 3.5%
  2. First Metro Save and Learn Fixed Income Fund – 2.3%
  3. Ekklesia Mutual Fund – 1.6%
  4. ALFM Peso Bond Fund – 1.3%
  5. Prudentialife Fixed Income Fund – 1.3%
  6. Sun Life Prosperity GS Fund – 0.89%
  7. Sun Life Prosperity Bond Fund – 0.84%
  8. Philequity Peso Bond Fund – 0.77%
  9. Philam Bond Fund – 0.55%

More Financial analyst are optimistic on the Philippine Stock Market and they have a positive outlook that the PSEi will reach 6000 by the end of the year.

Source : (PIFA)

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Bonds Are Good Investment Too

December 19, 2011 6 Comments


I mentioned before that Bonds yield normally ran neck to neck with the inflation, and despite the fact that stocks historically outperformed bonds over a long period. Investors should not discount that Bonds are good investment too.

There are 3 reasons I know why bonds are good investment.

  1. Steady Stream of Income – Common stocks are not guaranteed with dividends. Dividends on common stock are declared at the discretion of the company’s board of directors. If corporate earnings decline or the board decides to use the money for other purposes, dividends may be reduced or not paid at all. But the Bond investors, by contrast, can generally count on a steady stream of interest income. Investing in the bond provides steady fixed income.
  1. In case of bankruptcy, bondholders claimed are settled first – Bond holders are creditors of the company, and stockholders, as owners of the company, have a claim to its income and are entitled to voting rights. However, in case of bankruptcy, the claims of bondholders—as creditors—are settled first, and common stockholders are last for the collection of any remaining proceeds from the liquidation of assets.
  1. Bond investment is well suited for risk-averse investor with shorter time horizon – Since, investing in bonds offers low volatility, a risk-averse investor will not commit its investment portfolio overweight in stocks, and instead there is always a bigger room for bonds.

Actually, all of my investment exposure in Bonds is through Mutual Fund. And, I believe that bonds too offer potential capital appreciation.

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Investing Is Fun

October 12, 2011 1 Comment


I said before that  investing is so unfamiliar to many people that when you speak of the word “INVESTMENT”, you are so closed to considered speaking another language from the 2nd moon of the planet Saturn. (I just made this up, actually nobody knows the language spoken in the moon of Saturn.)

Honestly, before I ventured the world of Investment, I think of it as a subject of the rich and only a wealthy people could explore and enjoy the wealth it could offer.

After understanding that you don’t need a huge amount of money just to get your feet wet on investing, I first ventured the exciting world of stock market and bond investing thru mutual fund. Of course, my 1st year was full of worries, before I become familiar with trading stocks. For me, investing is somehow a mixed emotion of fun and frustration. It is fun especially when you are making money but, it becomes a frustration if you are losing it. I guess the choice is still within ours to view it us fun, or succumb to the burden of frustration.

Actually, many people view investing as an additional burden or an extension of their wage slave job. The investment stress brought by studying numbers, always on the lookout, confusion and worries would somehow reduce the enthusiasm of every investor.

So, how do we make investing fun?

Let us view investment as a game of treasure hunt. When looking for an investment opportunity or scouting for stocks with good business fundamentals, just think of it as game of treasure hunt in which you are looking for a wealth that your stock pick or investment choice will bring. Isn’t good to think that you enjoyed stock picking because, you treat it with fun rather than work. Normally, this mindset stimulates and creates opportunities for our financial growth and the same time improved the quality of our life.

The truth about this “Investing is Fun” mindset is neither right nor wrong, but I am pretty sure that it will bring us to our Financial Success. The choice is still ours, we could choose to have “FUN” or “FRUSTRATION” in Investing.

The road to riches is not an easy destination to be reached, but it should be a journey to be enjoyed. Making money through investment is good, and enjoying it at the same time yields twice.

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Before Jumping Into Investment

September 14, 2011 2 Comments


After a series of articles encouraging every Filipino to invest. Are you ready to venture the exciting world of investment?

Here are some tips before jumping into Investment.

  1. Make sure to set aside at least 6 months of emergency fund. This will protect your investment in case you need big amount money for an emergency.
  2. Do your homework. Don’t fall to an investment scam. Beware of the investment companies that offers double your money scheme. For a newbie, I suggest to start 1st on a mutual fund or UITF.
  3. Match your risk appetite with your investment choice. If you have a low appetite for risk, I suggest you go for a conservative investment like bonds (fixed income) or money market. However, if you want a higher return and you can withstand the high volatility of equity market, you can invest directly on the stock market.
  4. Know your Investment Horizon. If you have an investment horizon of more than 5 years, I think it is wise to go for a high yield and high risk investment instrument. It is proven that a longer investment time will ride out stock price volatility.

Goodluck and Happy Investing…………

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Investment Strategy : The Rule of 100

July 1, 2011 Leave a comment


The “Rule of 100” in investment.

For a newbie investor, they know that Stocks and Bonds are both profitable investment instruments.

So the next question they will be asking is how much stocks and bonds will they allocate in their portfolio? Is it wise to have a portfolio of stocks alone since, this investment promise a high returns? Or it is better to have a basket of bonds investment alone since, the risk it offers is low?

In INVESTMENT, there is a saying that “Whatever your age, or whatever your source of income. A bond will always be a part of your portfolio”.

The “Rule of 100” is an investment approach that will help any unsophisticated or newbie investor in allocating stocks and bonds in their portfolio. This is the simplest financial rule and mostly used by individual investor. In this rule, you don’t need to be a genius in allocating the stocks and bonds in your investment basket.

Example : Simply take 100 and subtract it with your age and the sum will be the suggested percentage of your exposure to equities (stock) market. Let’s say you are 25 right now, applying the rule of 100 by simply subtracting your age will result to 75. This mean that your portfolio should have a maximum 75% investment in stocks to optimized your long termed growth.

As you getting older, the rule of 100 will simply reduce your exposure to a risky stock market investment.

For a sophisticated investor they may say that this investment rule is an old school approach. But for me, I think this is good strategy for allocating our equities and bonds portfolio.

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Stocks vs. Bonds Investment

June 16, 2011 Leave a comment


In investment world, you will always hear the word stocks (or equities) and bonds. These are both forms of investments.

 Actually, stocks and bonds are both securities. The major difference between the two is that stockholders have an equity stake in the company (they are owners), whereas bondholders have a creditor stake in the company (they are lenders).

 Risks and Returns

Bonds – this is suitable for an investor with a low to medium risk appetite. Normally, a coupon rate with fixed amount was paid either quarterly, semi-annually or annually.

Stocks – this is suitable for investor who wants higher returns and with a high risk appetite.

 Terms

Bonds – usually have a defined terms or maturity. Normally, the bonds maturity period ranges from 1 year up to 30years. However, there were some bonds that have no maturity ( perpetuity bond).

Stocks – As long as the investor hold on the stocks. He has an equity stake (part ownership) of the company.

 Price

Bonds – the bonds prices move inversely with the interest rates. When the interest rates goes up the bond prices go down and vise versa, when the interest rates is down the bond prices is up.

Stocks – the stocks prices is based directly on the performance of the company. If the company is doing well, growing, and making a profits, then the price of the stocks follow. If it’s failing, the prices of the company stocks will likely decreases in value.


In Summary:

Both stocks and bonds are profitable investments. However, every investor should also assess the risk involve before jumping into these investments.

The key to wise investing is always a good analysis and research. Invest only on the business you know.

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Investing in Bonds

June 15, 2011 2 Comments


What is BONDS?

Bonds are loans given by investors to a corporation or government entity. The issuer is the borrower (debtor), the holder is the lender (creditor), and the coupon is the interest.

It is a kind of debt security, in which the authorized issuer owes the holders a debt and, depending on the terms of the bond, is obliged to pay interest (the coupon) to use and/or to repay the principal at a later date, termed maturity.

Although investing in bonds is suitable to investors with low to medium appetite for risk. A thorough analysis should be made before going into bonds.

Risk in Bond Investment

  1. Every investor should assess the credit worthiness of the company issuing the bond. There were some circumstances that the principal amount will not be paid back and this will be a loss to the investor. There were no such things as free lunch in bond investing, normally, the company with good credit worthy will pay less interest for the bond they will issue.
  2. The interest rates affect the bond prices. The increase in interest rates will result to a decrease in bond prices, vise versa, when interest rate is down the bond price goes up.

A bond has its maturity date. Upon reaching its maturity, a bond’s principal amount is returned. A bond’s maturity can be issued at 1 up to 30 years.

Bonds Maturity

Bills (Short Term) – maturities between 1 to 5 years

Notes (Medium Term) – maturities between 6 to 12 years

Bond (Long Term) – matures more than 12 year

For those instruments with maturities with less than 1 year is called Money Market.

How will the investor earn in BONDS?

1. The Bond investor will earn thru payment of the coupon interest. This rate is usually fixed for the duration of the life of the bond. The coupon has a payment option of either quarterly, semi-annually or annually.

2. The other way to earn in Bond is thru trading.

Actually, my exposure to Bond investing is limited. Right now, my investment participation on this instrument is only through Mutual Fund and UITF.

For OFW like me, I guess Bond investment thru MF and UITF is a good choice since, I have lack time to monitor the interest rates and at the same time I have limited knowledge about bond trading.

To select Mutual Fund or UITF product that primarily invests in BONDS on their portfolio, you have to choose the Fixed Income or Bond type. But, if you want a portfolio with mixed bonds and equities securities on their portfolio, you have to choose the Balanced Fund type.

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