Perhaps some of you, saw this video already but I think it worth to share. It’s a story of a mutual fund investor who was able to grew his money from Php 300,000 to almost Php 2.9 Million in 10+ years time.
He is Alfonso Gonzales– who invested his Php 300,000 in mutual funds. Why mutual funds? Please watch the video below, he revealed why.
Moral lesson of the story – If you don’t watch & protect your money, it will disappear quickly unnoticed.
YEAR-TO-DATE PERFORMANCE OF MUTUAL FUNDS IN THE PHILIPPINES As of the 3rd Quarter of 2012 (January to September 2012)
EQUITY FUNDS (primarily invested in Peso equity securities)
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. First Metro 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%
9. ATRKE Alpha Opportunity Fund* – 0.40%
* * ATRKE Alpha Opportunity Fund underwent a major overhaul in its fund type and portfolio composition. It is now an Equity Fund starting the 3rd quarter, a big change from being a Money Market fund until the 2nd quarter of 2012.
FOREIGN CURRENCY-DENOMINATED EQUITY FUND
* ATR KimEng AsiaPlus Recovery Fund – 4.07%
BALANCED FUNDS (primarily invested in Peso debt and equity securities)
1. GSIS Mutual Fund – 20.63%
2. Philam Fund – 20.42%
3. Bahay Pari Solidaritas Fund – 19.71%
4. First Metro Save and Learn Balanced Fund – 18.31%
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%
FOREIGN CURRENCY-DENOMINATED BALANCED FUNDS
1. Cocolife Dollar Fund Builder – 9.16%
2. PAMI Asia Balanced Fund – 7.66%
3. Sun Life Prosperity Dollar Advantage Fund – 6.98%
4. Paradigm Global Growth Fund – No data
BOND FUNDS (primarily invested in Peso debt securities)
1. Grepalife Bond Fund – 6.28%
2. Cocolife Fixed Income Fund – 6.06%
3. First Metro Save and Learn Fixed Income Fund – 4.84%
4. Philam Bond Fund – 4.53%
5. Sun Life Prosperity GS Fund – 4.41%
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%
FOREIGN CURRENCY-DENOMINATED BOND FUNDS
1. Grepalife Dollar Bond Fund – 15.68%
2. Philam Dollar Bond Fund – 9.87%
3. Sun Life Prosperity Dollar Abundance Fund – 9.80%
4. Philequity Dollar Income Fund – 9.45%
5. ALFM Dollar Bond Fund – 7.57%
6. MAA Privilege Dollar Fixed Income Fund – 7.40%
7. ALFM Euro Bond Fund – 6.59%
8. ATR KimEng Total Return Bond Fund – 3.82%
9. PAMI Global Bond Fund – 2.81%
10. Grepalife Fixed Income Fund – 2.75%
11. MAA Privilege Euro Fixed Income Fund – 2.67%
MONEY MARKET FUNDS (primarily invested in short-term Peso securities)
1. ALFM Money Market Fund – 2.29%
2. Philam Managed Income Fund – 2.06%
3. First Metro Save and Learn Money Market Fund – 1.67%
4. Sun Life Prosperity Money Market Fund – 0.32%
* Figures in (xxx) denote a loss. All data are from the Philippine Investment Fund Association (PIFA).
Disclaimer: Although the rate of return is a good measure of performance, other things such as the fund’s consistency of return and exposure to risks must also be considered. Note that the fund’s past performance is not and cannot be a guarantee of future returns.
Profile of the Filipino Stock Market Investor (INFOGRAPHIC)
The Filipino Stock Market Investor
Majority of local stock market investors are males aged 30-59 years old, residing in Metro Manila, and earning an annual income of less than P500,000.
This is according to a 2011 report on the “Profile of Filipino Stock Market Investors” published by the Philippine Stock Exchange (PSE).
Here is a summary of the basic demographic traits of Filipino stock investors. The visual infographic is available below.
Gender
The Philippine stock market is still dominated by male investors. More than 58.5% of total retail stock investors are males, while females account for only 41.5%.
Age
Investing in the stock market requires a certain level of maturity, both emotional and economic. This maturity goes with age, which explains why almost 3/4 of total retail accounts, or 71.4%, are owned by investors between the ages of 30 and 59 years old. The senior or retiring population, aged 60 and above, comprise about 18.5% of total stock market accounts. Young stock investors less than 30 years old are also starting to go into stock market investing, comprising 10.1% of total retail accounts. Location
Retail stock market investors are still primarily based in Metro Manila, accounting for the biggest chunk of 76.8%. Investors from the rest of Luzon are next, comprising 13% of total accounts. Around 6.1% of investors are from the Visayas while 2.3% are from Mindanao. Filipinos abroad, primarily composed of Overseas Filipino Workers, also invest in the stock market representing 1.9% of total stock market accounts.
Income
Contrary to common notion, bulk of local stock market investors are not the super-rich but your average-earning Filipino. More than 37.4% of accounts are owned by Filipinos earning an annual income of less than P500,000 (less than $12,000 annually). This shows a growing risk appetite of the average Filipino investor who, despite relatively low incomes, still decide to venture into the stock market. People earning more than P1 million per year represent 34.5% of total accounts while those earning between P500,000 and P1 million annually comprise 28.1% of total retail stock market accounts.
Profession
The occupation or source of income of the Filipino stock market investor is diverse. Almost 1/3 or 30.4% of accounts are owned by Filipinos in the Services sector. Around 1/4 or 24.7% are owned by Professionals such as lawyers, doctors, accountants, engineers, and the like. Close to 20% of stock market accounts are owned by Self-employed Filipinos, while the rest of accounts are owned by those who are Retired or working in the Finance, Industry, Government, or Agriculture sectors.
According to the PSE, there are a total of 478,362 retail stock trading accounts owned by Filipinos. This represents barely 1% of the Philippine population.
Stock market investors in Singapore, Japan, Australia, and other Asian countries
In contrast, other Asian nations have higher percentages of their population invested in stocks — signaling either a higher risk appetite or a more financially mature population or both.
In Singapore, more than 33% of their population invest in the stock market. In Japan and Australia, around 25% of their population are invested in stocks; in Malaysia, 18%; in Hong Kong, 17%; and in Korea, 10%.
The “Filipino Stock Market Investor Profile” report is based on a survey conducted by the PSE among 133 active trading participants in the Philippines as of the end of December 2011.
YEAR-TO-DATE PERFORMANCE OF MUTUAL FUNDS IN THE PHILIPPINES
As of the 2nd Quarter of 2012 (January to June 2012)
EQUITY FUNDS (primarily invested in Peso equity securities)
1. Philam Strategic Growth Fund – 22.51%
2. Philippine Stock Index Fund – 21.39%
3. Philequity Fund – 21.20%
4. Sun Life Prosperity Phil. Equity Fund – 19.19%
5. Philequity PSE Index Fund – 18.49%
6. ATRKE Equity Opportunity Fund – 17.63%
7. First Metro Save and Learn Equity Fund – 17.58%
8. United Fund – 8.64%
FOREIGN CURRENCY-DENOMINATED EQUITY FUND
* ATR KimEng AsiaPlus Recovery Fund – (-2.95%)
BALANCED FUNDS (primarily invested in Peso debt and equity securities)
1. GSIS Mutual Fund – 21.48%
2. Philam Fund – 20.57%
3. Bahay Pari Solidaritas Fund – 19.22%
4. NCM Mutual Fund of the Phils. – 17.76%
5. ALFM Growth Fund – 16.89%
6. First Metro Save and Learn Balanced Fund – 16.32%
7. Sun Life Prosperity Balanced Fund – 14.14%
8. Optima Balanced Fund – 13.87%
9. ATRKE Philippine Balanced Fund – 13.80%
FOREIGN CURRENCY-DENOMINATED BALANCED FUNDS
1. Cocolife Dollar Fund Builder – 4.44%
2. Paradigm Global Growth Fund – 4.15%
3. Sun Life Prosperity Dollar Advantage Fund – 2.32%
4. PAMI Asia Balanced Fund – 0.15%
BOND FUNDS (primarily invested in Peso debt securities)
1. Cocolife Fixed Income Fund – 4.68%
2. First Metro Save and Learn Fixed Income Fund – 2.77%
3. Philequity Peso Bond Fund – 2.08%
4. Ekklesia Mutual Fund – 1.97%
5. ALFM Peso Bond Fund – 1.66%
6. Prudentialife Fixed Income Fund – 1.38%
7. Sun Life Prosperity GS Fund – 1.36%
8. Sun Life Prosperity Bond Fund – 1.20%
9. Grepalife Fixed Income Fund – 0.87%
10. Philam Bond Fund – 0.50%
11. Grepalife Bond Fund - (-0.08%)
FOREIGN CURRENCY-DENOMINATED BOND FUNDS
1. Philequity Dollar Income Fund – 5.58%
2. Sun Life Prosperity Dollar Abundance Fund – 4.76%
3. Philam Dollar Bond Fund – 4.64%
4. ALFM Dollar Bond Fund – 4.19%
5. ALFM Euro Bond Fund – 4.06%
6. Grepalife Dollar Bond Fund – 2.40%
7. ATR KimEng Total Return Bond Fund – 1.08%
8. PAMI Global Bond Fund – (-0.41%)
9. MAA Privilege Dollar Fixed Income Fund - No data
10. MAA Privilege Euro Fixed Income Fund – No data
MONEY MARKET FUNDS (primarily invested in short-term Peso securities)
1. Philam Managed Income Fund – 1.45%
2. ALFM Money Market Fund – 1.29%
3. First Metro Save and Learn Money Market Fund – 1.15%
4. Sun Life Prosperity Money Market Fund – 0.26%
5. ATRKE Alpha Opportunity Fund – 0.08%
All data are from the Philippine Investment Fund Association (PIFA).
Disclaimer: Although the rate of return is a good measure of performance, other things such as the fund’s consistency of return and exposure to risks must also be considered. Note that the fund’s past performance is not and cannot be a guarantee of future returns.
YEAR-TO-DATE PERFORMANCE OF MUTUAL FUNDS IN THE PHILIPPINES
As of the 1st Quarter of 2012 (January to March 2012)
EQUITY FUNDS (primarily invested in Peso equity securities)
1. Philam Strategic Growth Fund – 21.34%
2. Philippine Stock Index Fund – 18.64%
3. Philequity Fund – 17.13%
4. First Metro Save and Learn Equity Fund – 16.62%
5. Sun Life Prosperity Phil. Equity Fund – 15.76%
6. ATRKE Equity Opportunity Fund – 15.65%
7. Philequity PSE Index Fund – 14.44%
8. United Fund – 6.66%
FOREIGN CURRENCY-DENOMINATED EQUITY FUND
* ATR KimEng AsiaPlus Recovery Fund - 7.51% BALANCED FUNDS (primarily invested in Peso debt and equity securities)
1. ALFM Growth Fund – 24.13%
2. Bahay Pari Solidaritas Fund – 23.39%
3. GSIS Mutual Fund – 20.20%
4. Philam Fund – 19.93%
5. NCM Mutual Fund of the Phils. – 17.80%
6. First Metro Save and Learn Balanced Fund – 16.08%
7. ATRKE Philippine Balanced Fund – 12.24%
8. Sun Life Prosperity Balanced Fund – 12.09%
9. Optima Balanced Fund – 11.62%
FOREIGN CURRENCY-DENOMINATED BALANCED FUNDS
1. PAMI Asia Balanced Fund 7.98%
2. Sun Life Prosperity Dollar Advantage Fund 4.06%
3. Cocolife Dollar Fund Builder 2.91%
4. Paradigm Global Growth Fund 2.20%
BOND FUNDS (primarily invested in Peso debt securities)
1. Cocolife Fixed Income Fund – 3.51%
2. First Metro Save and Learn Fixed Income Fund – 2.30%
3. Ekklesia Mutual Fund – 1.62%
4. ALFM Peso Bond Fund – 1.32%
5. Prudentialife Fixed Income Fund – 1.26%
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%
10. Grepalife Bond Fund – (0.45%)
FOREIGN CURRENCY-DENOMINATED BOND FUNDS
1. ALFM Euro Bond Fund – 2.80%
2. Philequity Dollar Income Fund – 2.48%
3. Sun Life Prosperity Dollar Abundance Fund – 2.34%
4. ALFM Dollar Bond Fund – 2.31%
5. Philam Dollar Bond Fund – 2.08%
6. Grepalife Dollar Bond Fund – 1.42%
7. ATR KimEng Total Return Bond Fund – 1.24%
8. PAMI Global Bond Fund – 0.37%
9. Grepalife Fixed Income Fund – 0.25%
10. MAA Privilege Dollar Fixed Income Fund – (0.53%)
11. MAA Privilege Euro Fixed Income Fund – (1.35%)
MONEY MARKET FUNDS (primarily invested in short-term Peso securities)
1. Philam Managed Income Fund – 0.76%
2. First Metro Save and Learn Money Market Fund – 0.56%
3. ALFM Money Market Fund – 0.51%
4. ATRKE Alpha Opportunity Fund – 0.19%
5. Sun Life Prosperity Money Market Fund – 0.13%
* Figures in (xxx) denote a loss. All data are from the Philippine Investment Fund Association (PIFA).
Disclaimer: Although the rate of return is a good measure of performance, other things such as the fund’s consistency of return and exposure to risks must also be considered. Note that past performance of a fund is not and cannot be a guarantee of future returns.
