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Tuesday, January 27, 2015

FinancePH Seminar Schedules for 2015

Since 2014, FinancePH has been providing quality seminars for free or at a very low cost to individuals who want to learn more about investing, accounting, taxation, financial planning, estate planning, stock market, fundamental analysis and more!

Below is the list of our tentative schedules of our seminars for 2015:

Seminar 1: Basic Investing and Fundamental Analysis with 2015 Stock Market Outlook
    Target Market:
       1. Starting Investors
       2. Current Investors
       3. Young Professionals
       4. Graduating Students
    Tentative schedules: January 31 and July 27

Seminar 2A: Basic Accounting for Investors and Business Owners
     Target Market:
       1. Current Investors
       2. Current and Starting Businessmen
       3. Self-employed professionals (e.g. doctors, lawyers, accountant)
     Tentative schedules: February 21, July 18 and November 21

Seminar 3: How to avoid family conflicts- free seminar on Estate Planning
      Target Market:
       1. Grand parents who want to plan their inheritance
       2. Parents who want to plan their inheritance
       3. Single Individuals who accumulated several assets
       4. Medium to large Business Owners/Professionals
       5. Individuals without inheritance/succession plan
      Tentative schedules: March 14, August 8 and December 12

Seminar 2B: Taxation for non-accountants and self employed
      Target Market:
       1. Current and starting businessmen
       2.  Self employed professionals
      Tentative schedules: April 11 and August 29

Seminar 4: Regulatory Requirements in Starting your own business
      Target Market:
       1. Starting Businessmen
       2. Individuals with good business ideas
       3. Inventors who want to mass produce their inventions
       4. Professionals who are thinking of becoming business owners
       5. Employees who want to be employers
      Tentative schedules: April 25 and September 19

Seminar 5: Advanced Financial Statement Analysis
      Target Market: 
      1. Current Investors
      2. Current and Starting Businessmen
      3. Self-employed professionals (e.g. doctors, lawyers, accountant)
      Tentative schedules: May 16 and October 10

Seminar 6: Financial planning for soon to be married and newly weds
     Target Market:
     1. Soon to be married
     2. Newly weds
     3. Soon to be parent
     4. Couples who want their finances right
      Tentative schedules: June 6 and October 31

To register, kindly text us using the following format: Seminar Code/ Schedule/ Full Name/ Company name/ Occupation/ email address/ Please also indicate if your are affiliated with any insurance company <YES or NO>.

For example: Seminar 6/June 6/Mica C. Austria/Cebu Pacific/

Please send this details to Mica Austria at 0927-289-3017.

For inquiries please don't hesitate to contact us through email at or 0927-289-3017

“Wisdom is not a product of schooling but of the lifelong attempt to acquire it.” 
― Albert Einstein

For more info on our seminars visit our events facebook page at

How To Invest in FAMI Mutual Funds

A mutual fund is a company that pools investors' money to make multiple types of investments, known as the portfolio. Stocks, bonds, and money market funds are all examples of the types of investments that may make up a mutual fund.

The mutual fund is managed by a professional investment manager who buys and sells securities for the most effective growth of the fund. As a mutual fund investor, you become a "shareholder" of the mutual fund company. When there are profits you will earn dividends. When there are losses, your shares will decrease in value.

Mutual funds are, by definition, diversified, meaning they are made up a lot of different investments. That tends to lower your risk (avoiding the old "all of your eggs in one basket" problem).

Because someone else manages them, you don't have to worry about diversifying individual investments yourself or doing your own record keeping. That makes it easier to just buy them and forget about them. That's not always the best strategy, however -- your money is in someone else's hands, after all.

Since the fund manager's compensation is based on how well the fund performs, you can be assured they will work diligently to make sure the fund performs well. Managing their fund is their full-time job!

In my desire to provide the best possible service to my existing and future clients, I do not only offer life insurance products through Insular Life but Mutual Funds so as to give my clients more choices.

I am a mutual fund agent of FAMI or First Metro Asset Investment. I personally chose FAMI as my mutual fund of choice due to the fact that over the years, I have seen how the fund performed and has proven prudent yet strong returns for their investors. FAMI has three types of funds to invest in - Fixed, Balanced, Equity.

If you have invested P100,000 in equity fund last January 1, 2010, your money could have been P163,000 by December 31, 2010. However, you must know that mutual fund returns are not always the same every year. For example if you invested P100,000 in equity fund last January 1, 2011, your money could have been P108,000 only. Quite lower than the 2010 return.

The technique is to wait until your funds earn enough returns so that you can get the most returns from your money.
FAMI is ranked the number one mutual fund in terms of return for the year 2010. FAMI's tie up bank is Metrobank. Therefore, you may add additional investments and redeem your investments through Metrobank.

Can I lose money in Mutual funds?
Yes, depending on market conditions. The fund manager’s job is ultimately to minimize risks and losses for the shareholder.

How much interest do I get as an investor?
Mutual funds do not give fixed returns. Returns are based on the difference between your buying price and the current NAVPS. Market conditions play a major role in determining the annual returns of mutual funds.

What if the fund manager performs poorly or goes bankrupt?
The share holders simply need to appoint a new fund manager.

What prevents the fund manager from running away with my money?
Mutual Funds are structured in a manner that protects the interest of its shareholders. The fund manager does not have any control over the physical assets of a mutual fund except to make buying and selling decisions. The assets are held by a custodian bank, appointed by the shareholders, who in turn can not transact for these assets.

What happens to my investment if I die?
Your shares in the mutual fund will form part of your estate and will be distributed to your heirs (usually surviving spouse and children) accordingly. These are tax issues involved in this regard.

Can I tell the fund manager what to buy or sell?
No. The fund managers will follow the investment parameters indicated in the fund’s prospectus.

What’s in it for the fund manager?
Management Fees. The Amount will vary (normally ranging from 1.5% to 3% of the total assets per year).Note that the NAVPS that are published are already net of the management fee that is amortized daily.

Are mutual fund gains taxable?
No. Mutual funds gains are exempted from taxes based on the Comprehensive Tax Reform Program (CTRP). This was done to promote long-term savings in the country.

Where will you invest my money?
Your money will be invested in the shares of the mutual fund of your choice. Mutual funds, on the other hand, are invested in baskets of securities that vary depending on the type of fund. Hence if you choose an equity fund, then you buy shares of a mutual that invests mainly in listed stocks(90% maximum). A bond fund or fixed-income fund, in contrast, invests exclusively on interest bearing instruments. A mutual fund’s investment universe, including restrictions and risks, can be found in the fund’s prospectus.

How long is the maturity period?
Mutual funds do not have maturity periods which means that the shareholders can actually sell their shres in any banking day. Furthermore, mutual funds are required by law to buy back the shares from the shareholders and to release the proceeds of any sale within seven banking days. Most mutual funds however, charge exit fees for short-term investors and this may vary from fund-to-fund. In FAMI’s case, the exit fee is 1% for the investments of less than 6 months. The exit fee is waived after the sixth month.


FAMI allows a minimum investment of P5000 and if you want additional investments, you may do so in P1000s. For example, you can  invest P5,000 initially and add P1,000 every time you have extra money.
To start investing you must first determine what type of fund you wish to invest in
If you need to withdraw the money in less than 1 year to 3 years  - invest in fixed income fund
If you need to withdraw the money in 3 years to 5 years - invest in balanced fund
If you need to withdraw the money in 5 years and up - invest in equity fund

To start investing you may either :
Step 1. Get a copy of the Fund Details and study it. (You may download it here)
Step 2. Download and print the following documents: (You may download them here)
   a. Account Opening Form (AOF)
   b. Intial Investment Application Form
   c. Signature Cards
print and fill out the forms and then scan the forms and email to and and subject: ATTN: Belle Pajarillo and Mark Fernandez OR fax the forms to Mark Fernandez at (02) 893-1655 ATTN: Belle Pajarillo and Mark Fernandez
Step 3: Text me at 09276986242 so I can request FAMI Head Office to generate your FAMI account number
Step 4: Once you receive your FAMI account number, submit the requirements below at any Metro Bank Branch and indicate FAMI Pouch Code# 90020
   a. Original Copies of the Account Opening Form (AOF), Initial Investment Form and Signature Cards
   b. Photocopy of 1 Valid ID
Step 5.  Together with your documents submitted above, use the GREEN PAYMENT SLIP of METRO BANK to make your investment
   >> Click here to view sample GREEN PAYMENT SLIP OF METRO BANK
   a. Cash
   b. Checks payable to the Fund of your choice:
       i. First Metro Save & Learn Equity Fund, Inc.
       ii. First Metro Save & Learn Balanced Fund, Inc.
      iii. First Metro Save & Learn Fixed Income Fund, Inc.
      iv. First Metro Save & Learn Money Market Fund, Inc.

 For check payments, booking of investment will be made upon clearing of the check.
 For OFWs, you may use our remittance channels
Step 6. Text me at 09276986242 so I can give you an update on when you will receive your confirmation receipt from FAMI. All investors of FAMI Mutual Funds get a confirmation receipt through registered mail.

If you have questions don't hesitate to contact me or directly through my account sales officer.
My Account Sales Officer is Ms. Belle Pajarillo, you may ask questions about your investment by emailing her or calling (632) 891 2860 local 105. Mention that your agent is Mark Fernandez to facilitate faster pulling out of records.

Thursday, January 8, 2015

Year End Review: Insular Life Ranked No.1 in Terms of Investment Performance (YoY)

Most people do not know but Insular Life performed the best for 2014. Insular Life's equity fund grow at 23.092% beating all other Life Insurance company's equity fund returns.

Here's an update on Insular Life's Investment Performance from January 1, 2014 to December 29, 2014 (year on year comparative) as compared to other insurance companies' investment performance:

*All data are from company websites except Company P-aL which is from  since no data can be found from the company website

Still wondering which company is the best company to invest in?

Now you know where.

Contact us.

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