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PMT Forum's MOST POPULAR Discussion Boards => Mutual Funds / UITF / VUL Investing => Topic started by: purplehazel on Jan 31, 2006, 11:46 PM

Title: Sun Life Prosperity Funds
Post by: purplehazel on Jan 31, 2006, 11:46 PM
I've read that it only takes a minimum of P5,000 to open a mutual fund. Ganun din ba sa Sunlife? I know only one person who is into mutual funds and he's really earning a lot... good to know that many people are into that also... baka mag open din ako...
Title: Re: Sun Life Prosperity Funds
Post by: FutureGizmo on Feb 01, 2006, 11:49 PM
Details on Sunlife Mutual Funds here: http://www.sunlifefunds.com/mutualfunds/default.asp

Kung gusto mo mag-invest, lapit ka kay nailbiter, Sunlife agent yung mom niya. ;)
Title: Re: Sun Life Prosperity Funds
Post by: FutureGizmo on Jun 20, 2006, 08:53 AM
May promo pala Sunlife, may give-aways para sa mga mago-open ng bagong investments. P3M lang naman yung minimum ;)
Title: Re: Sun Life Prosperity Funds
Post by: FutureGizmo on Jul 28, 2006, 09:47 AM
May alam po ba kung magkano yung sales charge ng Sunlife sa Prosperity Funds (front-end o back-end kahit ano)? Hinanap ko kasi sa website nila, nde ko makita yung info. Kino-compare ko ngayon ang charges ng mutual funds na tinitingnan ko. Sa sasagot, salamat po.
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 28, 2006, 01:33 PM
From Sunlife's Investor's Guide:

1. Front-End load

Peso (except Money Market Funds)

less than P100K - 2%
P100K to less than P1M - 1.5%
P1M to less than P5M - 1%
P5M and above - 0.5%

Dollar

less than $2K - 2%
$2K to less than $20K - 1.5%
$20K to less than $100K - 1%
$100 and above - 0.5%


2. Back-End load

Redeemed in - Deferred sales charge as % of market value at time of redemption

Peso

1st yr - 6%
2nd yr - 6%
3rd yr - 5%
4th yr - 4%
5th yr - 3%
6th yr - 2%
7th yr - 1%

Dollar

1st yr - 4%
2nd yr - 3.5%
3rd yr - 3%
4th yr - 2.5%
5th yr - 2%
6th yr - 1.5%
7th yr - 1%


3. Front-end with Redemption Fee Option

Peso

Front-end Fee

less than P100K - 1%
P100K to less than P500K - 0.75%
P500M to less than P5M - 0.5%
P5M and above - 0.25%

Exit Fee

less than 1 yr - 1%
1 yr to less than 2 yrs - 0.5%
over 2 yrs - none

Dollar

Front-End Fee

less than $2K - 1%
$2K to less than $10K - 0.75%
$10K to less than $100K - 0.5%
$100K and above - 0.25%

Exit Fee

less than 1 yr - 1%
1 yr to less than 2 yrs - 0.5%
over 2 yrs - none


N.B. All sales load (exclusive of VAT).
Title: Re: Sun Life Prosperity Funds
Post by: FutureGizmo on Jul 28, 2006, 01:45 PM
:thanks: nailbiter, ikaw talaga hinhintay ko sumagot nyan :hihi:

kino-compare ko kasi yan sa HSBC Offshore Banking mutual funds. maganda sana yung returns at madaming international mutual funds na pede pagpilian sa HSBC kaya lang nanghihinayang ako sa 5.25% initial charge on top of the Annual Management Fee nila.

pag-isipan ko kung magtuloy ako magdagdag sa Sunlife tapos kung tuloy sa nanay mo na lang ako lapit, pede di ba? :)
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 28, 2006, 01:47 PM
Shemps! :)
Title: Re: Sun Life Prosperity Funds
Post by: sharingan16 on Oct 19, 2006, 03:59 PM
i will invest my 100k in sunlife mutual funds. anyone who can help me here?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 19, 2006, 04:05 PM
What kind of assistance do you need? My mom is a Sunlife agent. PM me if you want her contact info.
Title: Re: Sun Life Prosperity Funds
Post by: pinkguitar on Nov 22, 2006, 10:59 AM
question po.

for example, i invest 100k in a mutual fund, say, sunlife in nov 2005 and planning to keep it there for 2 years. then i made monthly 10k additional investment, or 120k yearly... ang tanong po is, if i will redeem my entire investment as i have planned in 2007, kasama na ba sa zero-redemption fee yung additional investments kahit hindi pa naglapse yung two years with respect to that portion of the entire investment? if not, it means yung initial 100k lang ang mawiwithdraw ko ng walang redemption fee dahil yun lang ang nagcomply sa 2-yr holding period?

Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Nov 22, 2006, 11:38 AM
Each subscription is a unique transaction, pinkguitar, so the short answer to your question is yes, the waiver will only apply to your initial subscription.

But since your example is Sunlife, iba kasi ang sales load options nila.

You may be referring to Option C. A P100K investment does not qualify for Option C kasi, minimum to qualify for Option C is P1M.

If you opted for Option A, front-end lang ang sales load mo so wala nang redemption fee. If you opted for back-end sales load with Option B, beyond 5 years pa bago ma-waive yung redemption fee mo on each investment.

But if you and your immediate family members' have mutual fund accounts amounting to P5M combined, you can request for discounted Option A sales load on the P10K-P100K investments in your example above.
Title: Re: Sun Life Prosperity Funds
Post by: pinkguitar on Nov 22, 2006, 02:28 PM

thanks nailbiter...
Title: Re: Sun Life Prosperity Funds
Post by: Celljacela on Nov 26, 2006, 12:35 AM
I also invested in sunlife bond fund since last year - i make it a point to invest every month but i make huge one during the oakwood mutiny  if i still remember - medyo opportunist ang dating ko. I also make  it a point to check the NAVPS every day just for the heck of it. Im not a pro sa mutual funds but so far Sunlife has been the top performer for all the local Mutual Funds compared to philamlife and the one in ortigas (foget the name).

Bond fund is relatively safe , ideal for us Filipinos kasi by nature we are not really risk takers ( ok so maybe some of us are). Initial investment is 10, 000 pesos and you can replenish anytime you want. If i remember my first investment the NAVPS for bond fund was 1.55 pesos and currently the value is at 1.893 up by almost 30 cents per share in a span of a year - not bad. I gave the GS fund a try , it has been performing well for the last 3 months starting below  1.05 pesos per share to currently 1.1061 per share - if my math is correct thats roughly .05 cents already.

The only thing I find odd is there is not way to systematically check the value of your shares - like some sort of online application that you can log in and you can look at how much it has earned. Sunlife send a short "paper" every quite so often to tell you how many shares you own but i find it not as useful.

I also bought a SUNFLEX life insurance fund, now the value of your insurance or the coverage  may vary depending on which FUND YOU INVESTED on. Example if  the original value of my policy was 500k death  and  i have invested 100% on Bond Fund - chances are at any given time when the bond fund increases the value of my policy also increases. Plus I have some shares . I cant explain it fully - its a non-traditional insurance policy , also risky but suits me well. Plus it has a "maturity " period - 10 years , so you earn something within that duration just like any insurances out there.

I have devised a simple plan ( hope somebody with better experience can validate this), to invest a certain amount  via Bondfund enough to earn dividends (bond fund has been averaging above 5% for the last 3 years) that will pay for the cost of my annual insurance payment annually :-D. Lets say you are paying 15,000 annually for a 500k pesos Life Insurance with a 500k death and accident "rider". At 5% annual earnings for your fund value - you would need some 300k worth of Bond Fund to "support" your insurance annual payment. Ideally it becomes a self sustaining engine. Making the  fund value for insurance earn while being insured. Complicated? I guess it is but bottom line is I think its a good investment. Better than the banks' pathetic 1% taxable earning - annually.

Hope this helps.



Title: Re: Sun Life Prosperity Funds
Post by: FutureGizmo on Nov 26, 2006, 04:45 AM
Hi Celljacela, seems like you're already doing great with your fund investments, congrats!

Regarding SunLife, they do offer a personal online account where you can check the NAVPS of your shares. There you can see the net amount you invested, in which funds they are invested in, the NAVPS when you bought the shares and the current NAVPS (they don't explicitly tell you how much you have already "earned" but you can compute that based on the difference of the NAVPS values). Contact SunLife or your agent if you have one and they'll help you setup your online account. I've been using mine for more than 2 years now.

Regarding your plan to have your bond fund dividends "pay" for your insurance premium, I think that's a good self-sustaining income plan. Dunno though how much dividends each sunlife's fund type is paying. Were the bond funds really paying around 5% dividends during the past 3 years?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Nov 26, 2006, 08:03 AM

The only thing I find odd is there is not way to systematically check the value of your shares - like some sort of online application that you can log in and you can look at how much it has earned. Sunlife send a short "paper" every quite so often to tell you how many shares you own but i find it not as useful.


As FG described above, Celljacela, you can use Sunlife's Sunlink Online facility. Visit http://www.sunlife.com.ph and you'll find the Sunlink Online link under Online Services. Click on that and you'll find the registration link when a new page opens.
Title: Re: Sun Life Prosperity Funds
Post by: Wynn on Nov 26, 2006, 09:51 AM

I also invested in sunlife bond fund since last year - i make it a point to invest every month but i make huge one during the oakwood mutiny  if i still remember - medyo opportunist ang dating ko. I also make  it a point to check the NAVPS every day just for the heck of it. Im not a pro sa mutual funds but so far Sunlife has been the top performer for all the local Mutual Funds compared to philamlife and the one in ortigas (foget the name).

Bond fund is relatively safe , ideal for us Filipinos kasi by nature we are not really risk takers ( ok so maybe some of us are). Initial investment is 10, 000 pesos and you can replenish anytime you want. If i remember my first investment the NAVPS for bond fund was 1.55 pesos and currently the value is at 1.893 up by almost 30 cents per share in a span of a year - not bad. I gave the GS fund a try , it has been performing well for the last 3 months starting below  1.05 pesos per share to currently 1.1061 per share - if my math is correct thats roughly .05 cents already.

The only thing I find odd is ithere is not way to systematically check the value of your shares - like some sort of online application that you can log in and you can look at how much it has earned. Sunlife send a short "paper" every quite so often to tell you how many shares you own but i find it not as useful.

I also bought a SUNFLEX life insurance fund, now the value of your insurance or the coverage  may vary depending on which FUND YOU INVESTED on. Example if  the original value of my policy was 500k death  and  i have invested 100% on Bond Fund - chances are at any given time when the bond fund increases the value of my policy also increases. Plus I have some shares . I cant explain it fully - its a non-traditional insurance policy , also risky but suits me well. Plus it has a "maturity " period - 10 years , so you earn something within that duration just like any insurances out there.

I have devised a simple plan ( hope somebody with better experience can validate this), to invest a certain amount  via Bondfund enough to earn dividends (bond fund has been averaging above 5% for the last 3 years) that will pay for the cost of my annual insurance payment annually :-D. Lets say you are paying 15,000 annually for a 500k pesos Life Insurance with a 500k death and accident "rider". At 5% annual earnings for your fund value - you would need some 300k worth of Bond Fund to "support" your insurance annual payment. Ideally it becomes a self sustaining engine. Making the  fund value for insurance earn while being insured. Complicated? I guess it is but bottom line is I think its a good investment. Better than the banks' pathetic 1% taxable earning - annually.

Hope this helps.  


thanks celljacella for sharing.  your input is very valuable for me since i really want to learn the trick of this trade .  i think you just did a smart investing when you bought addt'l funds during that mutiny.  in investments we should always apply the principle, buy low and sell high for us us to reap profits.  you give also a very good suggestion here, to use your bond funds interest to raise or support your insurance funds.  i will be following your footsteps one of these days :hihi:  so thanks a lot for that eye opener ;)

but like you i also have one concern, in china here and in taiwan we can buy and sell funds online in our bank accounts and of course we can check the performances of our funds online, and you don't have to do the math or use your own calculator to solve your losses or profits because everything is already there in your online account.   it seems it's not that yet being popularly practiced by now by most of mutual funds company there in the philippines.  or others do but i'm just not aware of it :confused:  
Title: Re: Sun Life Prosperity Funds
Post by: Celljacela on Nov 26, 2006, 02:55 PM
FG and Nailbiter thanks for the info.

I have actually done this already  or to some extent tried to register online but the thing is it did work out as "good". My guess is that time ( some 7 months ago) the interface or the usability of the site was not as "nice". I'll go check it again. With regards to the 5% dividends - hmmmmm.. i guess not as much or was i referring to increase in fund value thats why i just made an assumption ( hoping to high heavens that they would indeed be as high). :hihi:. Last letter i received on dividend sharing was at 2% - again if i understood it correctly. Nevertheless the intention is to create a self sustaining engine that allows the bond fund "income" to fuel my insurance payments.

The next step i was working out on was trying to "automate" the whole system - from automatically investing certain amounts (say 20k/ month) from my bank account to buying Bond fund. Then automatically (somehow if possible) channeling any dividend share or income from my bond funds  to payment for my life insurance. Wishful thinking i guess. :hihi: . But if anyone knows a way to cut a 5 step process to 1 or 2 I will be very happy. If ever their is some way to do such  then if will be a "watch and relax" thing. Relax not yet maybe - but definitely building an automatic process will be something convenient for us.

Anybody from sunlife out there!??? Yohoo... you can make a killing here.. ;)
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Nov 27, 2006, 04:34 AM

The next step i was working out on was trying to "automate" the whole system - from automatically investing certain amounts (say 20k/ month) from my bank account to buying Bond fund. Then automatically (somehow if possible) channeling any dividend share or income from my bond funds  to payment for my life insurance. Wishful thinking i guess. :hihi: . But if anyone knows a way to cut a 5 step process to 1 or 2 I will be very happy. If ever their is some way to do such  then if will be a "watch and relax" thing. Relax not yet maybe - but definitely building an automatic process will be something convenient for us.

Anybody from sunlife out there!??? Yohoo... you can make a killing here.. ;)


My mom's a Sunlife agent. I could put you in touch with her if you want, she could tell you what your options might be in this regard. PM mo na lang ako.

I do know Sunlife is enrolled in several online banking facilities. With BPI, they have listings for Sunlife Asset Management Co. (SUNAST - mutual funds), Sunlife Financial Plans (SUNPLN - preneed) and Sunlife of Canada (Philippines), Inc. (SUNLIF - insurance). You could make your investments via online banking and just forward the transaction receipt to them as proof, with a fax of your order ticket.

Check this form: http://www.sunlife.com.ph/mutualfunds/enrollmentmfservicesOct2005.pdf It enables you to direct Sunlife to automatically credit redemptions to your nominated bank account. You'll have to request a redemption to realize any income on your bond fund, as you know. You could use any such redemption payments to pay for your insurance premium via online banking. I'm guessing that's not exactly what you have in mind but that's probably one way to do it.

I think mutual fund dividends are automatically reinvested as shares. Or perhaps policy would differ on each declaration. Insurance policy dividends, those you can use to pay your premiums. See here: http://www.sunlife.com.ph/services/dividend_authorization.pdf

Get in touch with an agent. Mas alam nila yan. :)
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Feb 19, 2007, 02:58 PM
hello I'm just a newbie here that need some answers

I am really confuse regarding how to invest in mutual funds or just keep my cash in TimeDeposit and suffer low interest rate

I have a lot of question you guys might share some suggestions...

1. let say I have 50,000-100,000 pesos and invest it in mutual fund the company will be sunlife financial i have read that i can lose money because there is risk involve if ever na nag karron ng problem it it posible na ma wipe out yung whole capital?

2. do i need an agent to invest in sunlife mutual fund and san ko ideposti yung investment?

3. sa tingin nyo ok pa ba mag invest sa sunlife mutual fund? a friend of mine invest like 70,000 front end deduction before 1 year eh he got 81,000 is this possible?

4. just an estimate what are the % of interest return on sunlife mutual fund?

5. mas ok ba yung sunlife or philam mutual funds? nag tanong ako sa bank na they are offering bond good for 2 years pero sabi sakin eh di raw maganda mag invest now sa bond....

6. when you say per annum it means per year so pag sinabing 3% per annum 3% per year?

like ever month if 2% ang bigay ng bank so 2% x 12 months = 24% per annum? sorry medyo magulo


thanks in advance :)
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Feb 19, 2007, 04:46 PM
1) Don't worry, 2pac. The funds are managed by industry professionals. There has never been a history of complete capital loss in mutual funds so I would say no, highly unlikely.

2) Yes, you'll need an agent for your initial investment. Your agent will let you know what your deposit options are. My mom is a Sunlife agent, you can PM me if you want her contact info. If you want to get in touch with her, kindly PM me your name and contact info as well so I can tell her to expect your call.

3) Sunlife is a solid company and is one of the top performing mutual fund companies in the country. Close to 16% growth in less than a year is indeed possible with Sunlife's balanced and equity funds.

4) Sunlife has several types of mutual funds. Which fund is right for you would depend on your investor profile. I would suggest you take the quiz here to try and determine that: http://www.sunlifefunds.com/mutualfunds/kyc.asp

As of 2/15/2007:

FundType1 yr return3 yr return*5 yr return*YTD return
Sun Life Prosperity Phil. Equity Fund, Inc.Stock/Equity59.08%28.05%16.44%12.34%
Sun Life Prosperity Balanced Fund, Inc.Balanced44.88%23.38%14.94%8.99%
Sun Life Prosperity Dollar Advantage Fund, Inc.Balanced9.56%7.00%n.a.-0.21%
Sun Life Prosperity Bond Fund, Inc.Bond11.05%10.29%9.48%0.89%
Sun Life Prosperity Dollar Abundance FundBond7.77%n.a.n.a.-0.21%
Sun Life Prosperity GS FundBond12.83%n.a.n.a.0.36%
Sun Life Prosperity Money Market Fund, Inc.Money Market4.31%n.a.n.a.3.44%

*annualized

YTD return refers to the fund's 2007 performance from January 1 to February 15. The one year return is the fund's performance from Feb. 16, 2006 to Feb. 15, 2007. The total three and five year performance were divided by 3 and 5 respectively to get the annualized return shown on the table.

5) Both companies perform very well so you can't go wrong with either one. The nice thing about Sunlife is they have an online facility where you can monitor your fund performance (and pay your premiums, too, if you're an insurance policyholder).

6) Yes, per annum means per year. If your bank gives you 2% p.a., that means your P100.00 earns P2.00 at the end of the year. Actually, P1.60 lang kasi may 20% withholding tax.

Fyi, we have an extensive discussion on mutual funds in this thread (http://www.pinoymoneytalk.com/forum/index.php?topic=47.0). You can also checkout the articles on www.pinoyinvestor.com (http://www.pinoyinvestor.com) to guide you with your plans.
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Feb 19, 2007, 08:43 PM
Thank you for the information :)

I'll pm/inform you if i'm ready to take the big step hehehe

by the way if ever lang usually ba sa sunlife makati ba nag discuss/disclose ng investment or pede rin sa other branch ng sunlife?
Title: Re: Sun Life Prosperity Funds
Post by: gr8collector on Feb 19, 2007, 09:15 PM
im pretty sure any branch of sunlife will be able to entertain any questions you may have regarding their mutual funds.
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Feb 19, 2007, 10:34 PM
ic ok but what i mean is if ever na like is decide today na mag invest ako sa company usually sa makati/main branch or sa branches nila dinedeposit yung investment/pag sign ng contract?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Feb 20, 2007, 10:49 AM
If you want to have your investment immediately posted, sa branch nga, and before 12 noon. But it could be any branch, hindi kailangan sa main.
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Feb 20, 2007, 03:45 PM
i see thanks for answering all my query :)
Title: Re: Sun Life Prosperity Funds
Post by: rainmen on May 04, 2007, 02:06 PM
THE LOCAL MUTUAL FUND UNIT OF insurance giant Sun Life Financial reported a sharp rise in sales in the first two months of 2007 despite the lackluster year-to-date performance of the stock market.
In a statement, Sun Life Prosperity Funds (SLPF) said it posted sales of well over P2.6 billion at the end of February, which already accounts for approximately 45 percent of total mutual fund sales made last year.
The robust sales came as the stock market hit highs last experienced before the onset of the 1997 East Asian financial crisis, but corrected sharply afterwards after a sharp sell-off in the main Chinese bourse triggered jitters in equities markets around the world.
“It is truly remarkable how we have managed to stay way ahead of our sales pace this year compared to last year considering some of the minor ripples that hit the market recently,” SLPF president and CEO Henry Joseph Herrera said.
“If you recall, as of September 2006, we made it to the number two spot in terms of annualized gross sales,” he added. “And by all indications, we are optimistic that we will outperform our sales performance last year.”
It remains unclear, however, how the recent sell-off in stocks will affect the sales of Sun Life, in particular, and the country’s nascent mutual fund industry, in general.
As of the latest data, Sun Life now has P13.5 billion in assets under management, which is 19 percent higher than the end-2006 level of P11.4 billion.
The year-on-year net returns on the Prosperity Funds have so far beat the market’s average performance. Its equity fund so far leads the pack with a net after tax return of 47 percent.
Its balanced fund, consisting of both fixed income and equities, came in second with a yield of 35 percent, while the government securities fund generated a net after tax return of 12 percent. Its bond fund, meanwhile, delivered an 11-percent return.
“We have never experienced anything like this before and we are enthusiastic about the future of the Prosperity Funds,” Herrera said. “Filipinos are getting more and more attuned to the idea of investing. By taking on some risks as compared to traditional investment instruments, returns on mutual funds can be substantially higher.”
The Sun Life Prosperity Funds are managed and distributed by Sun Life Asset Management Co. Inc., a member of the Sun Life Financial group of companies.
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on May 07, 2007, 07:53 PM
i just had an appointment with a sunlife agent because i'm planning to invest in sunlife's balanced fund. for those who are out of the country, when you feel that it's time to redeem your shares, how do you go about it? do you personally redeem your investment? because my agent said that some of his clients who aren't based here just signed a blank order ticket so that when the time comes that prices are high, with their client's consent, the agent himself has the authority to redeem their investment. is it safe to entrust your investment to your agent like this? is this arrangement usually practiced here?   :watchuthink: i'm afraid to risk this set up because some stranger might run away with my hard-earned money.   :hihi:
Title: Re: Sun Life Prosperity Funds
Post by: bigfoot on May 08, 2007, 12:22 AM
You can also have the  option of having it credited to your bank account.
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on May 08, 2007, 07:41 AM
yes. he will credit it to a client's account. but the question is, will you readily sign a blank order ticket?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on May 08, 2007, 08:56 AM
You can send your order ticket by fax and have your redemptions automatically credited to your nominated bank account. Just accomplish this form: http://www.sunlife.com.ph/mutualfunds/enrollmentmfservicesOct2005.pdf
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on May 08, 2007, 10:04 AM
thanks nailbiter.  :applause:

another question, i read in one of sunlife's leaflets, for their balanced fund, their 3-year return is 75%, equity fund's 3-year return is 91%. but when i went to inq7.net's mutual fund report in pdf form, sunlife's balanced fund is only 21.42%, while equity fund's 3-year return is 26.24%.  sunlife balanced fund's 5-year return is 15.07%. so for 5 years, 15.07% lang ang return? di naman cguro...
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on May 08, 2007, 10:07 AM
Annualized returns na yon, sardonyx. The 3-yr and 5-yr figures shown there is the compound annual growth rate of these mutual funds over the given period of time. Yung nakita mo naman sa leaflet ng Sun Life, yun yung absolute return.
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on May 08, 2007, 10:22 AM
ah, oks. nabasa ko din yung explanation mo sa kabilang thread. thanks again nailbiter!  :hihi:
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on May 11, 2007, 01:27 PM
hi! i'm about to invest in sunlife's balanced fund. my agent is also the manager of sunlife here in our province. siya yung kinunan ko ng pension plan ko before. naghihintay na lang ako for his go signal as to when to invest. he will text or call me lang daw. may forms na ako for the investment. sabi nya, either right before or right after election. i think he knows best as to when the price is low enough for me to buy. o, di ba?  :applause:
Title: Re: Sun Life Prosperity Funds
Post by: suite_princess on Jun 16, 2007, 10:33 AM
Pwede ba yung 10K ko dyan?  
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jun 16, 2007, 10:45 AM
Yes, suite_princess, P10K ang minimum investment sa Sun Life Prosperity Funds. Try this quiz to help you choose a fund: http://www.sunlifefunds.com/mutualfunds/kyc.asp
Title: Re: Sun Life Prosperity Funds
Post by: fastega2001 on Jul 06, 2007, 11:32 PM
Pwedeng makisali? What is this Sunlife's they call VUL product na mas mataas and retuns kesa sa mutual funds and walang holding period? Investment daw min is 100K which can earn up to 10K in 3 mos? Anyone Can you give me some light? Also, should i have extra money, can I put additional to my initial investments, how much and what are the rules? thanks. Fastega...
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 06, 2007, 11:45 PM
Hi fastega. That's variable universal life insurance. Insurance product yan ng Sun Life pero may investment component. Each time you pay your insurance premium, a portion of that goes to the investment fund of your choice (bond, balanced or equity). Like mutual funds, returns on that investment fund are not guaranteed. You may add more to the investment fund over the portion that is invested from your premium, and you may withdraw from it as well but subject to limits and charges. However, if you withdraw the entire thing, you will be surrendering your policy. So kailangan may maiwan pa rin. The fund value is added to your face amount once the policy is due for payment.

Related threads on the subject:
Variable Life Insurance (http://www.pinoymoneytalk.com/forum/index.php?topic=7876.0)
Sun Life Flexilink Market Education Program (http://www.pinoymoneytalk.com/forum/index.php?topic=6751.0)
Title: Re: Sun Life Prosperity Funds
Post by: ecarg on Jul 21, 2007, 04:02 PM
hello everyone.

Iam a 0 investor, meaning i dont know anything about investing but i would like to start now. Does anyone know how i can invest in sunlife money market fund? thanks :help:
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 22, 2007, 10:41 AM
ecarg, I can refer you to my mom, agent siya ng Sun Life. If you want her contact info, PM ko na lang sa 'yo. Curious lang, any particular reason why you're interested in the Money Market Fund?
Title: Re: Sun Life Prosperity Funds
Post by: vannyty on Jul 23, 2007, 01:11 PM
hi nailbiter!!! you're heaven sent!!!  :-* we've been looking for a sunlife agent for months, actually we met one yesterday but she cant answer for mutual funds, her specialty is with insurance, so our questions are not answered! were trying to investment in sunlife dont know how! we already have the prospectus but dont know how it works....
Posted on: Jul 23, 2007, 01:10 PM
were planning to invest it to their balance fund and just invest monthly
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 23, 2007, 01:13 PM
You can also read a bit more about mutual funds here on the forum and in the blog. :) Sige, PM ko sa 'yo contact ni ermat.
Title: Re: Sun Life Prosperity Funds
Post by: vannyty on Jul 23, 2007, 01:25 PM
thanks!!! pro nde ko pa na-rcve eh :D
Posted on: Jul 23, 2007, 01:19 PM
na rcve ko na po!!! thankS!!
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 23, 2007, 01:29 PM
You're welcome. :) Btw, please don't make consecutive posts minutes apart. Use the Modify button if you wish to edit or add something to your post. Thanks.
Title: Re: Sun Life Prosperity Funds
Post by: ecarg on Jul 26, 2007, 03:22 PM
Curious lang, any particular reason why you're interested in the Money Market Fund?

* Someone told me kasi na wala daw fee yung money market fund if you decide to take your money. That statement interests me . :D
Title: Re: Sun Life Prosperity Funds
Post by: usong725 on Jul 27, 2007, 01:44 PM
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jul 27, 2007, 02:14 PM
No problem, usong725. PM'd you her contact info. Fyi, you need a post count of 3 to use the PM function.
Title: Re: Sun Life Prosperity Funds
Post by: TEEJAY on Aug 03, 2007, 07:10 PM
NB, can mutual funds be transferred to another agent? Kasi nga walk in ako baka hindi maalagaan ung fund ko :|
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Aug 03, 2007, 07:36 PM
TEEJAY, hindi naman sa agent magde-depend ang fund mo. :)  Sa kanya ka lang dumaan para kumuha ng mutual fund pero yung fund manager na ng pinili mong fund ang bahala. Yung pag-redeem o pag-top up o pag-switch sa ibang fund type, all of that would be up to you. If you'd rather get a different agent in case mag-top up ka o interesado ka sa ibang product ng Sun Life, yes, you can go to another one.
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on Aug 13, 2007, 02:59 PM
i got a text from my agent/manager of sunlife that they are declaring a 2% stock dividend on  sunlife's balanced fund which will be distributed on sept. 1.  :applause:
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Aug 15, 2007, 03:54 AM
Awwww di na ko ina-update ng agent ko... buti n lang may PMT  :watchuthink:
Title: Re: Sun Life Prosperity Funds
Post by: expat on Aug 22, 2007, 11:19 PM
@nail

can u send contact details of your mom...ill going home nxt wek sometimes sept. i'll in touch with her for my Sunlife MF invesment...

thanks.
Title: Re: Sun Life Prosperity Funds
Post by: steph on Aug 28, 2007, 09:03 PM
Title: Re: Sun Life Prosperity Funds
Post by: apiong on Aug 28, 2007, 10:53 PM
Hi! Newbie here.. I've been browsing for 4 days already. and now ive decided to jump to MF...can someone recommend an agent from sunlife...i think this is a good time to start with MF. Thanks in advance!
Title: Re: Sun Life Prosperity Funds
Post by: TEEJAY on Aug 28, 2007, 11:20 PM
kay nailbiter (http://www.pinoymoneytalk.com/forum/index.php?action=profile;u=315). Mom niya is an agent.

Btw, nakuha ako ng dividends from Sunlife Equity
Title: Re: Sun Life Prosperity Funds
Post by: apiong on Aug 29, 2007, 06:48 PM
Paging Master NAILBITER  :D :D :D
IM in need of your mom... :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Sep 02, 2007, 03:10 PM
@steph

yup I recieved the mail but late na 2% dividend on shares raw....

Question lang how do you compute dividends? :help: let say meron akong 5000 shares
5000 x .02% = 100 shares so magiging shares ko is 5100?
 
Title: Re: Sun Life Prosperity Funds
Post by: TEEJAY on Sep 03, 2007, 01:48 PM
^parang ganon nga yata  iyon
Title: Re: Sun Life Prosperity Funds
Post by: khrish on Sep 03, 2007, 03:17 PM
Hi,

Just wanna ask if does anyone knows sunlife agents now handling institutional account or group insurance?


Thanks
Title: Re: Sun Life Prosperity Funds
Post by: 2pac on Sep 03, 2007, 11:54 PM
@teejay

Yup ganun pala yun hehehe.... :D I answered my own question today pala yung bigay ng div. sept 3
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Sep 07, 2007, 11:06 AM
ma'am nailbiter, can you pls pm me the contact details of your mother asap.  :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 07, 2007, 11:10 AM
baludoy, PM sent.


Just wanna ask if does anyone knows sunlife agents now handling institutional account or group insurance?


My mom handles those too, khrish. PM mo na lang ako if you want her contact info.
Title: Re: Sun Life Prosperity Funds
Post by: purpleglaze on Sep 10, 2007, 01:18 PM
may option ba sa sunlife na dividend reinvestment kapag hindi mo ni-reredeem yung shares mo? hingi rin po sana ako contact info ng mom mo, nailbiter. thanks
Title: Re: Sun Life Prosperity Funds
Post by: yellowminded on Sep 11, 2007, 08:52 AM
Hello. A question for the Sunlife gurus of the forums.

Does Sunlife still allow you to switch funds (from equity to balance to bond etc.) free of charge?

Madali lang ba gawin yun if you already have an account with them?

TIA!!!

-y-
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 11, 2007, 09:24 AM
purpleglaze, afaik, it's not an option left to shareholders. How dividends are distributed will depend on company policy. However, almost always, dividends are automatically reinvested as shares. Re: my mom, no problem. I'll PM you her contact info in a while.

yellowminded, it's free of charge for a maximum of four times within a year. Beyond four times, it's subject to documentary stamps tax. I think you just need to execute an order ticket.
Title: Re: Sun Life Prosperity Funds
Post by: teq on Sep 14, 2007, 11:02 PM
Hi, I've been reading several posts re Sun Life MF and am very interested.  Is it possible to avail the Sun Life Prosperity Fund while abroad?  If so, what are the procedures.  Any output would be highly appreciated.

Thanks
Title: Re: Sun Life Prosperity Funds
Post by: genesisb on Sep 17, 2007, 10:01 AM

Hi ma'am nailbiter, have been a lurker of this forum for quite sometime now and am interested to invest in Sun Life Prosperity Fund. Can you please pm me with your mom's contact details.

Thanks.

Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 17, 2007, 11:56 AM
teq, Sun Life insists that you meet with an agent so that you can make an informed choice in your investments. What you could do, perhaps, is to have someone that you trust, like a member of your family, to open the account in your behalf. You could just apply for transfer of ownership when you come home.

genesisb, I'll send you a PM shortly.
Title: Re: Sun Life Prosperity Funds
Post by: bizmen on Sep 17, 2007, 01:24 PM
dear nail,

pls provide ur mom details too...

thanks.
Title: Re: Sun Life Prosperity Funds
Post by: teq on Sep 21, 2007, 02:18 AM
Hi Nailbiter!  Thanks for the info/suggestion.  Would you know if there is a charge for transfer of ownership, just incase I'd let one of my relatives open an account for me?

 :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Sep 21, 2007, 02:16 PM
which is the best option for you guys: the front end "plan" or the back end "plan"?  :dunno:
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 22, 2007, 01:31 PM
^Personally, I opt for front-end. Madali naman mabawi e. Of course, if you anticipate that you won't be needing to pull out or move your funds in the long term, then back-end may be your best bet.

teq, yes, there may be documentary stamp charges for change of account name.
Title: Re: Sun Life Prosperity Funds
Post by: syd24phil on Sep 23, 2007, 08:46 PM
Hello Nailbiter!

Interested po in Sunlife MF.. pa pm na lang po ng contact info ng mom niyo.. thanks! :)
Title: Re: Sun Life Prosperity Funds
Post by: Sue on Sep 23, 2007, 11:02 PM
Nailbiter, re:yellowminded; Are you sure that there is no charging of fees, if an investor shifted from one fund to another? Could I see this in the prospectus? Because, last March 2007, I sold my bond funds and shifted to equity fund but the agent (main office) in Makati charge me a correponding fee of 2%. I hope na ma refund ko ang fee na eto, If true ang information mo, thats mean may double talk dito, sa tagal kong nag invest, mukhang di trustworthy.
Title: Re: Sun Life Prosperity Funds
Post by: yellowminded on Sep 23, 2007, 11:17 PM
^sue, it says right there on their website that it's free. it should also be in the prospectus.

http://www.sunlifefunds.com/mutualfunds/default.asp
Title: Re: Sun Life Prosperity Funds
Post by: jinryll71 on Sep 24, 2007, 03:18 AM
miss NB, pa-PM din po ng contact #s. ipakausap ko sa sis ko.  :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 24, 2007, 11:32 AM

Nailbiter, re:yellowminded; Are you sure that there is no charging of fees, if an investor shifted from one fund to another? Could I see this in the prospectus?


Sue, as already pointed out by yellowminded, you'll find that information right on their website. I'll quote it:

Quote
Flexibility: Our family of funds allows you to modify your investment strategies over time, by letting you transfer from one fund to another as much as four times a year, at no cost.


You may also refer to pages 36 to 38 of the Investor's Guide:
http://www.sunlifefunds.com/faqs/Investors%20Guide%202005.pdf

Sa mga humihingi ng contact info ni ermat, please give me your names and your contact info as well so she can expect your call, or return your call if you're unable to reach her. syd24phil and jinryll71, will PM you in a while.

Title: Re: Sun Life Prosperity Funds
Post by: TEEJAY on Sep 24, 2007, 04:19 PM
NB, tanong ko lang. Mayroong nakasulat kasi sa Policy na :

Quote
Total Disability

The Regular Premiums will be paid during total disability of Life Insured beginning before Sept 5, 2044


Ano poh ang ibig sabihin niyan? Does it mean na pag retired ung tao makukuha ung regular premiums?

Sakto kasing 60 years old ako nyan eh.
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 24, 2007, 05:00 PM
Hi TEEJAY. Paalala lang, itong thread natin on Prosperity Funds refers to their mutual funds ha.

Anyway, ang alam ko sa Total Disability Benefit at ang intindi ko sa text na binigay mo, kung magkaroon ng total disability ang policyholder bago ang naturang date, waived na ang premiums niya for the duration of the payment period. Hindi na niya kakailanganing bayaran ang natitira niyang premiums. I-clarify mo na rin sa agent mo.
Title: Re: Sun Life Prosperity Funds
Post by: yellowminded on Sep 25, 2007, 02:15 PM
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 25, 2007, 02:36 PM
I don't think so. While "provisions governing the purchase of shares" apply (i.e., minimum investment, applicable NAVPS at the time of purchase, etc.), there is a separate existing provision regarding transfers, that specifies that fees are indeed waived for four transfers within a year. Said provisions are better explained in the Investor's Guide. Sun Life is not the only mutual fund company that waives fees for interfund transfers. It's a usual industry practice. If their terms say the fees are waived, then it should be.


last March 2007, I sold my bond funds and shifted to equity fund but the agent (main office) in Makati charge me a correponding fee of 2%.  


Sue, in your order ticket, did you specifically apply for Interfund Transfer? Or did you execute separate instructions for redemption and investment?
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Sep 28, 2007, 06:04 PM
so when finally coughing the money up, who do you usually turn over the check to?   do you pay sunlife directly? through a bank?  or do you just pay the agent and then just hope for the best?    medyo mabigat din kasi sa bulsa kaya kailangan manigurado
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Sep 29, 2007, 09:25 AM
^bank
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Sep 30, 2007, 08:56 PM
^w/c bank do investors usually use for the initial payment?  
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 01, 2007, 09:49 AM
Any of the accredited banks would do. Nakalagay sa order ticket yung mga accounts kung san pwedeng mag-deposit.
Title: Re: Sun Life Prosperity Funds
Post by: nhidz20 on Oct 01, 2007, 10:56 AM
hello, ako may investesment din sa sunlife fo 6yrs now. I used to pay before through accredited payment facilities katulad ng SM bills payment centers, nag try din ako through my agent,medyo mabigat  lang kasi kailangang mong ibigay sa kanya yung credit account number mo kasi kailangan nyang i swipe  ito personally,pero ok naman wala namang bad experince,masyadong malaki kasi ang investment kong 3M. (2 life and 1 pension plan) now im paying through sunlife online payment.
Title: Re: Sun Life Prosperity Funds
Post by: yellowminded on Oct 01, 2007, 01:15 PM
Miss Nailbiter, what do you get as proof of your investments if you place money with them regularly through accredited banks? the prospectus says certificates are optional. will they mail you a receipt or something? thanks!
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 01, 2007, 02:20 PM
Take note na hindi lang deposit sa bangko ang gagawin, you still need to fill in and submit your order ticket and for your first transaction, idadaan mo pa rin yon sa agent. Yung mga susunod, if you decide to fax the order ticket, you're still required to send in the original unless you fill up a form to enrol in MF services, stating that you authorize Sun Life to process your faxed documents as original documents.

Yes, Sun Life will mail your receipt. They also mail out quarterly statements so magre-reflect don if you make additional subscriptions. You can also enrol in their online facility. Magre-reflect din don how many shares you own.
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Oct 02, 2007, 10:10 PM
^how about ang certificates po?  how long does it usually take?
Title: Re: Sun Life Prosperity Funds
Post by: Sue on Oct 03, 2007, 02:19 AM
Sue, in your order ticket, did you specifically apply for Interfund Transfer? Or did you execute separate instructions for redemption and investment?
Since I didnt know about this kind of transfer/procedures etc.. I remember that, I just told the account personel that I want to buy worth of 100,000 pesos of equity funds,the money came from my sunlife bond funds worth 50,000 pesos and added another 50,000 cash to complete the purchase. Cover ba ako sa transfer na sinasabi mo Nailbiter.
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 03, 2007, 10:40 AM
baludoy, Sun Life commits to issue and release requested certificates after 3 business days. You have to request for them first then pick them up. Personally, though, I haven't requested for my certificates. Basahin mo na lang yung terms on requesting share certificates, pages 51 to 53 ng Investor's Guide: http://www.sunlifefunds.com/faqs/Investors%20Guide%202005.pdf

Sue, I can't know how you filled up your form so I can't answer if you're covered. Check your order ticket. You should have filled one up or you should have been asked to sign one.

See here: http://www.sunlifefunds.com/mutualfunds/order_ticket_aug_2006V17.pdf

May section diyan under Financial Transaction Details na Interfund Transfers. If the P50K came from your bond fund and you filled out your order as a transfer, then the fee would have to be waived. But on the P50K you added to your investment, that would still be subject to sales load if you availed of Option A (Front-End).
Title: Re: Sun Life Prosperity Funds
Post by: raven13 on Oct 04, 2007, 12:43 PM
I've read a lot, and i've decided to make my first investment on Sun Life Prosperity Funds.
How do I go about with this? Do I really need to talk to an agent first?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 04, 2007, 12:53 PM
From the Sun Life website:

We believe that new investors need to thoroughly understand the benefits and risks of investing in mutual funds. In order to ensure this, some required forms for first time investors are available only through your Sun Life Mutual Fund Representative or from the Head Office. If you are planning to invest in the Sun Life Prosperity Funds for the first time, we encourage you to see your Sun Life Mutual Fund Representative.

Even if you do not contact an agent first and go direct to their office, the person who will attend to you there will become your agent.
Title: Re: Sun Life Prosperity Funds
Post by: raven13 on Oct 04, 2007, 01:24 PM
Well, okay then. Hiya kasi ako eh :hihi:

Could I have your mom's contacts too miss nailbiter? :)
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 04, 2007, 01:45 PM
PM sent. Huwag kang mahiya. Mag-i-invest ka ng pera mo at trabaho nilang ipaliwanag sa iyo ang options mo. :)
Title: Re: Sun Life Prosperity Funds
Post by: nutzloki on Oct 13, 2007, 09:58 AM
i've been a lurker here sa forum and i've learned a lot really.
i'm planning to invest na rin sa Sun Life kaya lang i'm from cebu.
anyone knows an agent from here?
Title: Re: Sun Life Prosperity Funds
Post by: louaiza on Oct 13, 2007, 01:12 PM
Hi nutzloki,

I am also a lurker...  :hihi:  have learn a lot also...
try Elean Louise C. Magno her mobile num is 0926-6862738, she is my agent in sun life... just tel her you got her name from me Lou... or you could go directly to the office...
The address is
Acacia New Business Office
3/F Innove Plaza
Panay Road cor. Samar Loop
Cebu Business Park, Cebu City
Title: Re: Sun Life Prosperity Funds
Post by: nutzloki on Oct 15, 2007, 05:48 PM
thanks lou..i'll contact her then.. :cool2:
Title: Re: Sun Life Prosperity Funds
Post by: Sue on Oct 16, 2007, 08:38 PM
Hi, Nailbiter, I'm here working abroad? my question is, could I transfer my sunlife equity funds to sunlife bond funds without my being present in Phils? Can I be represented by my daughter, her only documents to show is the sale documents from SL and power of ATTY and Identification card are this documents suffix?
Title: Re: Sun Life Prosperity Funds
Post by: pierre on Oct 21, 2007, 11:11 AM
I've looked into several equity funds and noticed that Sun's Management Fees (the one they charge distributed in the NAV, annually) is 2% as compared to others (Philequity and Philam 1.5%, UITFs BPI 1.5% and BDO 1%), although Sun's entry fees are lower compared to Philequity and Philam except for UITFs which usually have no entry fees. I think that a 0.5% difference in the management fee could cost a long term investor (0.5% of an investment of 1m is 5k a year and 50k in 10 years). However, if 0.5% means better service and performance, then its a good investment.  
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Oct 21, 2007, 05:30 PM
Sue, ngayon ko lang nakita yung tanong mo. You need to submit a signed order ticket. There's a link to it on my post, Reply #90. Under Financial Transaction Details, skip the boxes for Initial/Subsequent Investment and Redemptions. What you need to fill in is Interfund Transfers. You can fax your order ticket to Sun Life but the original must be received within 3 business days. Pwedeng ipadala mo na lang yung signed order ticket sa daughter mo along with the power of attorney, ID and share certificate, if it was issued to you before. Siya na lang mag-submit.

Another form you could submit along with your order ticket is this one: http://www.sunlifefunds.com/mutualfunds/enrollmentmfservicesOct2005.pdf

It's an enrollment form for their fax service. That way, if you have new instructions, you can just send your order ticket via fax without having to send in the original.

OT: pierre, according to PAMI President Karen Roa (http://www.inquirerbloggers.net/moneysmarts/2007/07/06/what-serious-investors-should-look-for-in-a-mutual-fund/), Philam's management fee for their equity fund is 2% as well. It was also mentioned in the interview and in the 2001 prospectus on their website that PAMI fund managers charge an incentive fee, 1/10 of the excess of a 12% NAV increase over a one year period.  
Title: Re: Sun Life Prosperity Funds
Post by: pierre on Oct 23, 2007, 12:34 AM
Yup correction 2%  :thankyou:, "PAMI will charge a management fee equivalent to a 1/6 of 1% of the average net assets value of the fund per
month computed on a daily basis".
Title: Re: Sun Life Prosperity Funds
Post by: Gawee on Nov 10, 2007, 02:52 PM
NB excuse me, anong mga araw open ung office nung sunlife sa makati? 8:00 AM to 8:00 PM ba weekdays? thnx  :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Nov 10, 2007, 10:26 PM
My mom's office? Hindi lang isa ang office ng Sun Life sa Makati ha. Magkakaibang branch yan. Hindi ko kabisado ang office hours e. Ang agents hindi rin palaging nasa office since nagka-client call din sila minsan. Kontakin mo na lang to set an appointment.
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Dec 03, 2007, 12:15 PM
how long does it usually take sunlife to deliver their mf certificates?  we requested for them  last oct. and we still have yet to receive them.
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Dec 03, 2007, 12:30 PM
baludoy, just in case you missed it, the same question was previously answered for you:


baludoy, Sun Life commits to issue and release requested certificates after 3 business days. You have to request for them first then pick them up. Personally, though, I haven't requested for my certificates. Basahin mo na lang yung terms on requesting share certificates, pages 51 to 53 ng Investor's Guide: http://www.sunlifefunds.com/faqs/Investors%20Guide%202005.pdf


I must say, though, that I haven't personally requested for my share certificates so I have no experience in this regard.
Title: Re: Sun Life Prosperity Funds
Post by: baludoy on Dec 03, 2007, 12:58 PM
^thanks for the re-posting of the info above.  i did miss that reply.  

but the thing is,  i was given the option whether to have them mailed to our residence or just  to have them picked-up.  and i , of course,  being a resident of manila's beautiful south  :harhar:, opted for the former.  unfortunately,  like what  i mentioned in my earlier post, the certs are neither here nor there  :help:
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Dec 04, 2007, 05:00 PM
to nailbiter:

hi....lets assume that you dont have a relative connected to sunlife...if i may ask u, anong mas preferable?ang front end load or back end load?...thanks and best regards...
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Dec 04, 2007, 05:10 PM
Same answer. :)


^Personally, I opt for front-end. Madali naman mabawi e. Of course, if you anticipate that you won't be needing to pull out or move your funds in the long term, then back-end may be your best bet.
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Dec 04, 2007, 05:32 PM

thanks...one more. am i right if i say that for every transaction that u'll make, u'll be chraged with front load?...or is that a "one time" charge event?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Dec 04, 2007, 05:42 PM
Each transaction is treated separately and will each be subject to sales load, yes.
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Dec 04, 2007, 05:54 PM

so mas maganda ba na back end ang piliin kung long term naman ang time horizon mo? para kahit mag top up ka ng mag top up eh nde ka babawasan? am i right?or left? :D
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Dec 05, 2007, 01:10 PM
Yung mga top-up mo, since they're treated separately, panibagong period na naman ang bilangan non ha. Basta take note na sa back-end, once you redeem on or before the 5th year, there will be charges. Pero if you hold beyond year 5, waived na, effectively wala kang binayarang sales load.
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Dec 05, 2007, 03:55 PM


thanks, nailbiter...kaya mo mas prefer ang front load?....
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Dec 05, 2007, 08:49 PM
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Dec 06, 2007, 10:47 AM
Thanks, freedomfighter. :thankyou: I was looking at the old reference table. I'll edit my post now.
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Dec 06, 2007, 12:27 PM

thanks to both of u....so tama bang isipin na pag one time give ka lang, say minimum investment, tas la na top up, mas maganda ang back end?...at pag may balak ka na mag top up, eh front load naman?....just confirming if i get the idea right...

one more po,...as far as i know, the min investment is P10k...subsequent investment will be P5000? or less than P5K?...

thanks and best regards!
Title: Re: Sun Life Prosperity Funds
Post by: glacier on Dec 06, 2007, 01:10 PM


thanks to both of u....so tama bang isipin na pag one time give ka lang, say minimum investment, tas la na top up, mas maganda ang back end?...at pag may balak ka na mag top up, eh front load naman?....just confirming if i get the idea right...


kung sa akin lang, i would prefer the back-end load, even if you plan to top up. kasi the initial investment would probably be the biggest (assumption lng naman) and if you're planning to hold on to the mf long-term, then wala ka nang binayaran na load for the initial investment, tapos malamang yung mga later top-ups na lng ang kelangan mong bayaran ng back-end load upon redemption. assuming nga na smaller amounts yung top-up mo, mas maliit din yung load na babayaran. =)
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Dec 06, 2007, 03:04 PM
I agree with glacier if you're really for the long term as in for example para sa retirement mo, then it would be adivisable to choose back-end load option.  That way you buy more shares.
Title: Re: Sun Life Prosperity Funds
Post by: pfb82 on Jan 03, 2008, 03:01 PM
may 12% VAT din ba on top of the frontload/backload fees? kasi yng GSIS fund meron pa in addition to the entry or exit fees? lahat ba ng MF may VAT pa ung mga transactions fees nila?
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jan 04, 2008, 09:13 PM
Yes. All mutual fund sales load are subject to 12% VAT.
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Jan 17, 2008, 11:00 AM
Previous posts re: Sun Life Flexilink VUL moved here (http://www.pinoymoneytalk.com/forum/index.php?topic=6751.msg140011#msg140011).
Title: Re: Sun Life Prosperity Funds
Post by: la_liz on Jan 20, 2008, 10:50 AM
hi nailbiter..
can i get your mom's contact details..
thanks thanks  :D
Title: Re: Sun Life Prosperity Funds
Post by: tinmuning on Jan 21, 2008, 03:09 PM
i'm interested to invest too. Around 10K lang ok ba? Actually assignment sa kin to ng hubby ko para makasave naman other than our bank account. which one has the lowest risk? i don't expect naman to use the money agad. thanks!
Title: Re: Sun Life Prosperity Funds
Post by: redtoy on Jan 21, 2008, 08:59 PM
for those people outside Metro Manila, how did you apply on the Sunlife Prosperity Fund? Btw, Laguna area ako.
Title: Re: Sun Life Prosperity Funds
Post by: rainmen on Jan 22, 2008, 02:25 PM
san sa Laguna?
Title: Re: Sun Life Prosperity Funds
Post by: WinChEsTeR on Feb 06, 2008, 12:55 AM
Title: Re: Sun Life Prosperity Funds
Post by: rainmen on Feb 06, 2008, 08:43 AM
i will try to answer your questions:
1. mutual fund companies will not consult their investors. that is why were paying this fund managers to make our investments grow
2. if you invest in dollar your earnings will also be in dollars (hindi ko rin maintindihan tanong mo)
As much as 20% may be invested in foreign-exchange denominated Is securities issued abroead
dipende po ito sa fund na pipiliin mo (sa ibang company po kasi meron na fund na 100% invest sa labas ng Pilipinas)
3. pwede pong mag fund switch kung mas maganda ang performance sa kabila
4. with mutual funds your money is working for you, but keep in mind that investing in this kind of vehicles should be viewed as long term (3 to 5 years at least) to maximized the potential earnings.
hope i did not miss anything
Title: Re: Sun Life Prosperity Funds
Post by: WinChEsTeR on Feb 06, 2008, 10:39 AM
 :thankyou: try ko yan pag uwi. :cool2:
Title: Re: Sun Life Prosperity Funds
Post by: BeanCounter on Mar 01, 2008, 12:25 AM
I would like request feedback sana on Sunlife Balanced Fund. I'm disappointed coz it went down fast in Jan08 as if it were a full equity fund. Also, is it worthwhile to keep invested in a balanced fund or am I just kidding myself and just invest on a full stock fund.

what do you guys think?
Title: Re: Sun Life Prosperity Funds
Post by: silensyo on Mar 02, 2008, 03:56 PM
^ like everybody else is saying, investing in MF is for long term. if you're like me that will really not touch my investment for the next 5+ years and your goal is to maximize earnings, go directly to equity funds. here's in my opinion on both: balanced funds only makes you "feel" safe for lesser gains. equities makes you feel nervous for the price of higher gains. You will really lose in some years, but for me it's okay. I entrust my invest to fund managers because I know they will play with it in diversified stocks and I will allow them to fail because I know in the end they will "learn" and recover. If my goal was for maximum gain for a shorter time I know I should directly invest in equities and not go through mutual funds anymore but that's not my goal so my best bet is equities through MF.
Title: Re: Sun Life Prosperity Funds
Post by: optimist on Mar 08, 2008, 01:20 PM
newbie poh sa ganitong bagay cnu poh pwede mag 2ro sakin panu mag invest sa sun life financial, Mutual fund... Yun professor kc namin sa engineering economy ng 2ro bout mutual fund pero di masyadong detailed kaya gus2 ku malaman how it works... Matagal ku n sana gus2 mag invest but dont know how... San pla banda sa makati yun sun life? thnx
Title: Re: Sun Life Prosperity Funds
Post by: batot on Mar 09, 2008, 11:05 AM
hi optimist!
welcome sa pmt :welcome:

marami ka dito matutunan. with regards to how mutual funds works try mo tong thread na to http://www.pinoymoneytalk.com/forum/index.php?topic=47.0. Kung sa sunlife mutual funds naman try to contact nailbiter yng mom nya agent yata ng sunlife. Sana nakatulong ko syo.
Title: Re: Sun Life Prosperity Funds
Post by: nailbiter on Mar 16, 2008, 09:03 AM
optimist, as batot mentioned, you can talk to my mom. If you want her contact info, let me know. Hindi lang isa ang office ng Sun Life sa Makati, iba-iba pa ang branches nila don.  Btw, please take note of our forum guidelines. Spell out your words. Bawal ang textspeak sa forum.
Title: Re: Sun Life Prosperity Funds
Post by: inxs on Mar 16, 2008, 08:19 PM
hi nailbiter,

can i also get your mom's contact number or do you know of an agent in alabang office? tnx in advance for your help.
Title: Re: Sun Life Prosperity Funds
Post by: teeyah on May 28, 2008, 09:11 PM
http://www.amazing-i.com/amazing-funds.php
Sun Life's new campaign re: MF
Title: Re: Sun Life Prosperity Funds
Post by: alibata on Jun 19, 2008, 09:19 AM
nailbiter,

mind if i get your mom's contact details? i've been curious about sunlife's mutual funds product line. i'd like to know more.

thanks!
alibata
Title: Re: Sun Life Prosperity Funds
Post by: voltes5 on Jun 24, 2008, 12:33 AM
2% stock dividends on June 27 on all prosperity funds, but actually there is nothing to be happy about since the navps will also be 2% lesser.
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Jun 24, 2008, 08:31 AM
Talaga? so the same value pa rin yung shares mo? dumami nga lng?

What's the use/advantage?
Hnd naman na tatax yung fund sa pg declare ng dividends right?
Title: Re: Sun Life Prosperity Funds
Post by: vince on Jul 27, 2008, 12:00 AM
 @ nailbiter

 pwede ko rin ba makuha contact number ng mom mo.. kasi i plan to invest in equity Mf sa philam at sunlife... medyo nakausap ko na si sir rainmen sa ym saglit... k namn siya... by the way I am a first time investor san ma assist niyo akong dalawa.. :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: avalon on Jul 27, 2008, 08:05 PM
Meron bang branch or agent dito near Bulacan?
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 27, 2008, 09:07 PM
Title: Re: Sun Life Prosperity Funds
Post by: avalon on Jul 28, 2008, 12:55 PM
freedomfighter, i'm from malolos. nearest ba yung sa baliuag? medyo mahirap kasi pumunta dun. masikip and traffic.
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Jul 28, 2008, 05:52 PM
freedomfighter,

wala namang masama mag invest sa sunlife. kaya lang, minsan, exagerrated mag marketing, akala mo kumikita pera mo ng sobrang laki, pareho ng philam.  put in a proper perspective, mas malaki pa ang returns ko when i managed my own funds. paano ko nasabi? kasi i maintain a sunlife account since year 2000 at iyon ang ginagamit kong comparison every year.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 28, 2008, 09:27 PM
Title: Re: Sun Life Prosperity Funds
Post by: avalon on Jul 29, 2008, 12:48 AM
that's great. i'll just text you. thanks!
Title: Re: Sun Life Prosperity Funds
Post by: PHrider on Jul 29, 2008, 09:13 PM
Newbie here, tanong ko lang kung ano ang procedure pag gusto ko mag invest sa SL Prosperity Fund eh nasa labas ako bansa?
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 29, 2008, 11:47 PM
Title: Re: Sun Life Prosperity Funds
Post by: octavian on Sep 04, 2008, 10:25 PM
hi sir nailbiter, m a newbie here. i am also intrested to invest in VUL. can i please have ur mom's contact number  :hello:


purpleglaze, afaik, it's not an option left to shareholders. How dividends are distributed will depend on company policy. However, almost always, dividends are automatically reinvested as shares. Re: my mom, no problem. I'll PM you her contact info in a while.

yellowminded, it's free of charge for a maximum of four times within a year. Beyond four times, it's subject to documentary stamps tax. I think you just need to execute an order ticket.
Title: Re: Sun Life Prosperity Funds
Post by: thechief on Sep 08, 2008, 11:16 PM
just invested in sun life balanced fund today.. i wish all the best for everyone here!
Title: Re: Sun Life Prosperity Funds
Post by: edspecks2004 on Oct 08, 2008, 06:13 AM
Title: Re: Sun Life Prosperity Funds
Post by: akobakini on Oct 22, 2008, 10:01 AM
Hi, Ms. Nailbiter! Can you PM me your mom's contact info? I want to invest in Sun Life Mutual Funds....

Also could someone help me get a copy of the investors guide of sun life? I tried for the nth time already but failed. After downloading some 600 Kb of the file, process just stopped. Thanks.
Title: Re: Sun Life Prosperity Funds
Post by: ubermensch on Oct 29, 2008, 12:01 PM
Mababa pa ang prosperity funds sa ngayon.  May investment ako sa equity.  From the start of the year pababa sya ng pababa.  Ako naman invest lang ng invest those times akala ko bottom na.  Ngayon 1.24 something na ang NAVPS, kaya ngayon wait annd see na muna ako an wait when market conditions start to improve.  Pero in fairness, smaller ang YTD losses ng SLPF kumpara sa ibang MFs....
Title: Re: Sun Life Prosperity Funds
Post by: jblee on Oct 30, 2008, 12:43 AM

mababa ang mga NAVPS ngayon, is this a good time to buy some shares?
or mas maganda ba hintayin na magsimula cyang umakyat?







If you don't need the money in AT LEAST 10 years, then buying now is the best time.
Title: Re: Sun Life Prosperity Funds
Post by: miamiya on Nov 01, 2008, 06:53 AM
hey nailbiter can i have the contact info from your mother, an email address is ok.
Title: Re: Sun Life Prosperity Funds
Post by: subconscious on Jan 09, 2009, 02:52 PM
Question, I just acquired a balanced fund, yun yung parang may kasamang inurance, eh mukang eto pala yung gusto ko, pwede ko ba palitan? kasi yung sa sunlife insurance na balanced fund may annual na 10855php tapos 15% lang nun yung napupunta sa investment.. E pag Prosperity yung 10k ko invest lahat.. tama ba?

Advice naman mga mentor.. :D
Title: Re: Sun Life Prosperity Funds
Post by: networm on Jan 09, 2009, 07:12 PM
subconscious
Kontakin mo yun Sunlife Financial Planner na nag-assist sa 'yo. VUL kasi yan kinuha mo, sa pagkaka-alam ko yun doon sa Prosperiity Fund, Balanced Fund...pwede ka mag switch between fund, four times yata yun. Paki-confirm na lang with your Sunlife Financial Planner.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jan 09, 2009, 09:22 PM
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jan 10, 2009, 11:32 PM
Hi Dylan,

Better if you reinstate now your "Sun Flexilink" policy while you are still within 90 days simplified reinstatement period.  You just need to pay your quarterly due of 3K and signed the SRO form.  alam ko wala pang penalty yan.

You can opt to pay naman in full anytime your annual premium.

You are treading dangerous grounds if you are letting your insurance policy lapsed.  It defeats the purpose why you set it up in the first place.  Aside from the obvious reasons of exposing yourself again without protection from the risks you were trying to cover.  There is also the possibility of your application for reinstatement or some riders being denied if there is adverse change in your health making you uninsurable or if still insurable, with a rated premium.

Dapat sana before your funds were exhausted and before your policy lapsed, you should at least made sure that you were able to pay kahit yung monthly charge man lang if you dont have budget yet to pay the quarterly due of 3K.  Maliit lang naman yun.

Hindi ka ba niremind ng agent mo?

Regards,

freedomfighter

It's not worth exposing yourself with these risks again.
Title: Re: Sun Life Prosperity Funds
Post by: cpetaling on Jan 11, 2009, 11:19 PM
can i ask ano ang mga expense ratios ng mga products dito?
Title: Re: Sun Life Prosperity Funds
Post by: subconscious on Jan 13, 2009, 09:40 AM
Title: Re: Sun Life Prosperity Funds
Post by: gamboarita on Jan 13, 2009, 02:30 PM
HI freedomfighter question anong magandang kuhanin sa sunlife. thanks
Title: Re: Sun Life Prosperity Funds
Post by: arnel on Jan 13, 2009, 02:32 PM
Hi newbie here,,, I tried venturing into mutual funds last year,,, i have sunlife prosperity equity fund as one of them,,, but since due to economic crisis i am hesistant on buying more shares to practice cost-averaging,,, any advise from the experts here?  :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: buloi123 on Jan 13, 2009, 05:28 PM
I also have an investment sa sunlife (equity [40%] and balance [60%] funds)
Started last year, unfortunately after 3 weeks tumama yung financial crisis kaya nag negative ako... tried to top-up (minimum) paunti-unti kasi akala ko magba-bounce back kaagad before the end sa year, kaso lalong lumala.
Kaya, ginawa ko ngayun, stop muna ako sa pag top-up, kasi sabi ng mga analyst, maging worst pa ito this year and it will slowly bounce back 3rd quarter of this year.... kaya, observe muna ako kung kailan unti-unting a-akyat yung market (at least consistently), then I start to top-up slowly....
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jan 16, 2009, 12:15 AM
Title: Re: Sun Life Prosperity Funds
Post by: troybol on Jan 16, 2009, 12:12 PM
good morning to you guys, how much is the current minimum investment to join a mutual fund in sun life prosperity bond fund and sun life prosperity philippine equity bond fund?
Title: Re: Sun Life Prosperity Funds
Post by: buloi123 on Jan 16, 2009, 01:12 PM

good morning to you guys, how much is the current minimum investment to join a mutual fund in sun life prosperity bond fund and sun life prosperity philippine equity bond fund?


minimum of 10K..
Title: Re: Sun Life Prosperity Funds
Post by: troybol on Jan 16, 2009, 03:22 PM
how about some comments with regards to the staff of sun life? (friendly, snobbish, well informed, etc) any bad experience with regards to any fund manager
Title: Re: Sun Life Prosperity Funds
Post by: networm on Jan 16, 2009, 08:46 PM
I have a very good experience with a Sun Life Financial Planner. I visited their office in Alabang Madrigal Business Park. Very accomodating and explain well the differences of different funds including VUL.
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Jan 17, 2009, 08:41 AM
I also have nothing but good things to say about my sunlife agent.  :cool2:
Not pushy and very professional.

He was able to go down to my level and made me understand the policy throughly
and he actually took time to answer my mundane questions  :D
Title: Re: Sun Life Prosperity Funds
Post by: gamboarita on Jan 17, 2009, 05:45 PM
freedomfighter thanks..
Title: Re: Sun Life Prosperity Funds
Post by: betina_vanilla on Jan 17, 2009, 06:50 PM
@ troybol: first time ko pa lang maka-kausap talaga ng sunlife agent and i can't make hasty generalizations pero i'm glad i talked to one. nag-meet kami ni freeedomfighter and he was very acommodating, kahit madami akong tanong, ok lang kasi kaya niya mag-explain ng mabuti.

i guess protocol naman sa kanila ang maging friendly and well-informed.  :D

anyway, i'm about to open a sunlife flexilink account. wala pa kasi akong life insurance and i think tama ang sinasabi nila na you have to protect your investments by ensuring yourself first  :rakenrol:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jan 18, 2009, 09:54 PM
Title: Re: Sun Life Prosperity Funds
Post by: troybol on Jan 27, 2009, 09:32 PM
i have finally bought some "shares" of sunlife prosperity bond fund and philippine equity fund today. do i really have to wait for sunlife to send me a mail containing my client number and other important details with regards to my account? after paying, all i got is some acknowledgement receipt.
Title: Re: Sun Life Prosperity Funds
Post by: nidaime on Jan 28, 2009, 03:17 AM
Yes.  :yoohoo:
Title: Re: Sun Life Prosperity Funds
Post by: troybol on Jan 28, 2009, 08:58 AM

Yes.  :yoohoo:


meaning, this is the standard operating procedure for all investment companies who dwell into mutual funds or for sunlife only
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jan 31, 2009, 08:10 PM
Hi troybol,

Congratulations for investing in Sun Life's Prosperity Funds!  Have you registered your account with Sun Life's Sun Link Online?

You may want to visit our website at www.sunlife.com.ph and click Sunlink online and then register your MF account.

Regards,

freedomfighter
Sun Life Financial advisor
thonycoors7@yahoo.com
0917-5803858
0922-8803858
Title: Re: Sun Life Prosperity Funds
Post by: Irtwisted on Feb 04, 2009, 01:51 AM
question po sa website ng sunlife... I have a VUL account, but I can't view the mutual fund portion (allocation, how many shares I have, etc). Do I have have to separately enroll the mutual fund portion for me to view it? Thanks.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 04, 2009, 12:17 PM

question po sa website ng sunlife... I have a VUL account, but I can't view the mutual fund portion (allocation, how many shares I have, etc). Do I have have to separately enroll the mutual fund portion for me to view it? Thanks.


Sensya na po if hindi ko agad grasp yung gusto nyo pong iclarify.  Let me see, if you have a vul policy and have already enrolled it with Sun Link online, you should be able to view your transaction history and how many units you were able to buy into your investment fund that is linked to it.

However, if you have a separte Mutual Fund with Sun Life, you need to also register your MF account with Sun Link Online for you to view your MF fund details online.

Hope this helps.


freedomfighter
Sun Life Financial Advisor
thonycoors7@yahoo.com
0917-5803858
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Feb 04, 2009, 12:27 PM
I also use sunlink but never found a way of checking the mutual fund component specifically
the # of shares and which funds you have allocated shares to..

I can just check what the mutual fund's current value is and the initial
fund value.

You can however see the specific # of shares that are canceled when
you pay for the insurance and other charges

I didn't see any separate identification number(i.e. policy #, acct #) that is for
solely for the investment fund. So baka ganun talaga sya?

Any sunlife agent here that can confirm this?

 :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 04, 2009, 12:39 PM
Title: Re: Sun Life Prosperity Funds
Post by: daryy on Feb 04, 2009, 02:07 PM
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Title: Re: Sun Life Prosperity Funds
Post by: Irtwisted on Feb 05, 2009, 02:50 AM
Freedom Fighter, I'm referring to the investment portion of the VUL...If you can help me in accessing that portion, i'll be really grateful. Thanks.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 05, 2009, 11:05 AM
Title: Re: Sun Life Prosperity Funds
Post by: cream_puffs on Feb 05, 2009, 01:46 PM
interested po ako mag-apply ng sunlife prosperity fund, ano pong requirements? san ba yung office saka open ba yung pag weekends? thanks :)
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 06, 2009, 12:29 AM
Hi cream_puffs!

Sent you po a pm.

Regards,

freedomfighter
Title: Re: Sun Life Prosperity Funds
Post by: Irtwisted on Feb 06, 2009, 12:39 AM
Freedomfighter, yes, I have enrolled my policy in the website and am able to access my personal page. Kaya lang hindi ko makita yung number of shares ko sa investment portion of the VUL, or is it really not displayed there?

Thanks po for answering my questions.
 :rakenrol:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 06, 2009, 11:33 PM
Hi Irtwisted,

Nacheck ko na po...under maintenance lang po ang sunlink webpage.  Nag-upgrade lang po system natin.  Hindi nga po nakikita ngayon.

Check nyo lang po from time to time.  

freedomfighter
Title: Re: Sun Life Prosperity Funds
Post by: Irtwisted on Feb 07, 2009, 08:01 AM
^^ Ngek! Yun lang pala yun.  :D

thanks po for checking.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 08, 2009, 10:31 AM
 :hihi:  you're welcome po
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Feb 08, 2009, 11:08 AM
^

Are you sure?
I've been a user of sunlink for over a year now and I've
never noticed any information regarding the # of units
you have or to which fund(bal,equi,etc) you have units
allocated to..

The only place it shows units is when units are cancelled
to pay for the insurance charge, periodic charge etc..

As far as I know it has always only shown the
initial fund value and the current fund value

cheers
 :D
Title: Re: Sun Life Prosperity Funds
Post by: dalee on Feb 17, 2009, 03:57 PM
ask ko lang ... iba yung NAVS ng sunflexilink sa prosperity funds? yung nasa website ng sunlife, NAVS yun ng sunflexilink?
Title: Re: Sun Life Prosperity Funds
Post by: markus on Feb 17, 2009, 06:25 PM
hi question po ako Mr freedomfighter

meron kasi akong VUL, MF (phil equity) at life insurance sa sunlife. pwede ba akong mag palit ng agent? kasi i'm not happy with my agent eh. thanks
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Feb 19, 2009, 01:34 AM

ask ko lang ... iba yung NAVS ng sunflexilink sa prosperity funds? yung nasa website ng sunlife, NAVS yun ng sunflexilink?


Hi,

Iba nga po yung NAV ng Prosperity Funds dun sa NAV ng Flexilink.

Actually both NAVs are on the website pero yung default na nakadisplay
(left) is for the Flexilink(VUL) at yung kabilang side(right) ay yung NAV
ng Prosperity Fund(NAVPS)

 :D
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 23, 2009, 12:35 PM

^

Are you sure?
I've been a user of sunlink for over a year now and I've
never noticed any information regarding the # of units
you have or to which fund(bal,equi,etc) you have units
allocated to..

The only place it shows units is when units are cancelled
to pay for the insurance charge, periodic charge etc..

As far as I know it has always only shown the
initial fund value and the current fund value

cheers
 :D


yup mxherr5...you're correct.  But you can determine your present accumulated units by just dividing the current value of your fund (as reflected in your sunlink webpage) by the current unit price.


regards
 :D
Posted on: Feb 23, 2009, 12:15 PM

hi question po ako Mr freedomfighter

meron kasi akong VUL, MF (phil equity) at life insurance sa sunlife. pwede ba akong mag palit ng agent? kasi i'm not happy with my agent eh. thanks


Pwede naman po... Sun Life would always want that your best interest is served.  If sa tingin nyo po mas maaasikaso kayo ng ibang agent pwede naman po kayo mag-request kay Sun Life ng bagong servicing agent.

Hope this helps.

Title: Re: Sun Life Prosperity Funds
Post by: dalee on Feb 24, 2009, 06:39 PM
Title: Re: Sun Life Prosperity Funds
Post by: ikay on Feb 25, 2009, 04:26 AM
hello po. I just need help because I'm planning to invest my 10k this march on sunlife mutual fund... kaya lang nahirapan po akong pumili ng kukuning type of fund... Ayoko sana ng mashadong malaki ang risk and I'd love to learn more about it personally... hay... di ko din alam kung pano mag-invest dun. Hope you can help me out.  :help:
Title: Re: Sun Life Prosperity Funds
Post by: Ping on Feb 25, 2009, 07:17 AM
When is the bottom of this kaya?    :help:

Is it time to cut loss, or just let it ride the bad tide, until it recover back to 1.88 level - Sunlife Peso Balanced Fund?


 :bahalaka:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Feb 25, 2009, 10:35 AM
Title: Re: Sun Life Prosperity Funds
Post by: ikay on Feb 26, 2009, 01:52 AM
ok sir tony, got your globe number po, i'll text u when I'm ready to meet up. thanks!
Title: Re: Sun Life Prosperity Funds
Post by: ronaldong on Mar 09, 2009, 12:02 AM
magkano po ang manager's fee ng sunlife? 1 percent or 1.5 percent?.. annual or single payment?
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Mar 16, 2009, 09:46 PM
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Mar 17, 2009, 02:25 PM

When is the bottom of this kaya?    :help:

Is it time to cut loss, or just let it ride the bad tide, until it recover back to 1.88 level - Sunlife Peso Balanced Fund?


 :bahalaka:


Judging from sunlife's past performance, stick with the balanced fund. i think it will not serve you any good pulling out the fund unless you need the money now.

Babalik rin yan sa 1.88 and even higher 5 years fom now
Title: Re: Sun Life Prosperity Funds
Post by: starlite on Mar 18, 2009, 02:25 PM
Hi freedomfighter,
  I'm also thinking of investing in the Sunlife Balanced Fund, but I really do not know much about mutual funds and stocks so I've just been reading posts in several forums. I'm also probably going to start with the minimum investment until I learn enough to be more confident with it. May I know the requirements when investing in the Balanced Fund? For first-time investors with limited money, how much should I prepare if I just want to test the waters first?  

Thanks!
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Mar 19, 2009, 08:37 AM
Title: Re: Sun Life Prosperity Funds
Post by: starlite on Mar 27, 2009, 08:35 PM
Hi freedomfighter,

Thanks for the reply. I'll contact you through your email po.

Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Mar 28, 2009, 12:27 PM
Thank you too starlite.... :hello:




Title: Re: Sun Life Prosperity Funds
Post by: Ping on May 05, 2009, 05:30 PM
1.88, seems so near, yet so far ....



 :cool2:



Title: Re: Sun Life Prosperity Funds
Post by: bauer on May 05, 2009, 05:55 PM
i got my peso balanced fund at 0.90  so i think its relatively performing well even with the global crisis right now.

ping i advise you to stick to the fund.  Im using the sunlife balanced fund to serve as a scorecard on my performance.

Title: Re: Sun Life Prosperity Funds
Post by: Ping on May 05, 2009, 06:10 PM
Thanks, man.  I intend to stick around, and hope it will bring me some moolah in my retirement years.


 :hello:


Title: Re: Sun Life Prosperity Funds
Post by: Ping on Jun 10, 2009, 05:43 PM
Bago ba uli ito?

Parang ang daming iba't ibang klaseng funds ang SunLife ano?


 :cool2:
Title: Re: Sun Life Prosperity Funds
Post by: TacoWell on Jun 29, 2009, 03:09 PM
Nandito pa ba si nailbiter? I wanted to PM him kasi kailangan ko ng SunLife agent (I've read his mom is an agent) pero di ako makapag-PM (di lumalabas yung verification image).
Title: Re: Sun Life Prosperity Funds
Post by: tornadorider on Jul 03, 2009, 03:22 PM
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 04, 2009, 08:44 PM
Title: Re: Sun Life Prosperity Funds
Post by: shaneshane on Jul 31, 2009, 05:35 PM
hi freedomfighter,
pwde mg.invest sa sunlife mutual fund at 5k?mgkano minimum?kc tumawag ako kanina sabi ng 1ng agent 10k daw..first time ko pa now mg.invest sa mf.. :help: tnx much...im from davao nga pala..  :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 31, 2009, 07:58 PM
Title: Re: Sun Life Prosperity Funds
Post by: shaneshane on Aug 01, 2009, 09:12 AM
good morning sir freedomfighter,
cge2 il look into that, i'll do research on vul tas il weigh my options and mybe discuss them w/ an agent(wahh bka abutin ako ng next year :hihi:
 ..i went to sun's ofc nga pala kgabi and they gave me prospectus and ive read it na..
is vul invstment return at least at par with a moderate mf return?but w/ less risk?hehhe  :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Aug 02, 2009, 09:15 AM
@shaneshane  actually hindi naman nagkakalayo performance nila.  Yun nga lang yun Vul kasi may insurance charges unlike MF.  However, the advantage of VUL is that since it is a life insurance policy, it has that self-completing feature in the event of disability or death thereby assuring you that even if you paid only once and something happens, may 1M ka or yun beneficiaries mo.

That feature is not available with MF.  Kung magkano lang talaga naipon mo yun lang makukuha mo if disability, critical illness, or death strikes.  Tapos subject pa sa estate tax.

Also, your money in you VUL life insurance policy is exempted from writ of execution or garnishment proceedings unlike in the case of MF or your bank deposits.  In effect, insulated asset mo from the reach of creditors.

Best strategy pa rin however is to diversify your funds pag kaya mo na.  Saka ka na by that time open ng MF account mo.  Importante is makapagsimula ka na as in now na.  Sabi nga sa advocacy namin...It's Time!

What if sa kakadelay mo something happens?  At least if nagsimula ka na ngayon at least kahit papaano nakapag-umpisa ka na with your financial planning.   Kahit 1K lang every month icontribute mo sa VUL account mo at least nakakapag-wealth accumulation ka na.  Your 5K i is sufficient to open a VUL policy for 500k face amount under a Quarterly mode of payment as your entry point.

Title: Re: Sun Life Prosperity Funds
Post by: shaneshane on Aug 02, 2009, 04:18 PM
wahhh!!!go go na to!!yey.. :yoohoo:
 :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: un1z on Aug 03, 2009, 04:29 PM
yung prosperity fund is mixture ng equities and bonds?
mas ok ba ang pure equities or mas maganda ang prosperity ng sunlife?
Title: Re: Sun Life Prosperity Funds
Post by: sploy on Aug 04, 2009, 09:30 AM
Hello everyone.

I'm new here at PinoyMoneyTalk. Well, first of, it's great to know there's a site like this. Just what I need this time that I want to start investing too.

I'm from Cebu. Any agent here of Sunlife from Cebu also. Please help.

Thank a lot.
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Aug 05, 2009, 12:15 AM

yung prosperity fund is mixture ng equities and bonds?
mas ok ba ang pure equities or mas maganda ang prosperity ng sunlife?


un1z: Ung mutual funds ng Sun Life is called Prosperity Funds. It's just our branding.

Now, kung mas okay ba pure equities, I'd say it depends. Depends on when you need the money and for what purpose, risk tolerance, age, etc. Last bull run, people thought equities were the best until the market crash. so suddenly, ndi na cya the best. It was the worst.  :D
Title: Re: Sun Life Prosperity Funds
Post by: rhipolito on Aug 16, 2009, 04:02 PM
@Freedomfighter, if I want to be insured for 2M how much should i pay monthly or quarterly for a Sunlife VUL?   :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Aug 16, 2009, 09:01 PM
Hi rhipolito!

Thank you for contacting me regarding your interest to know more about Sunlife's Vul.  If it's ok with you, please text me your current age and if you are a smoker or non-smoker.  I will not be able to log-in later tonight so I will just send you an sms instead.

It would be best however, if you're here in Manila, if we could meet personally so that I could discuss to you the details and features of Sunlife's Vul and Mf and which of these investment vehicles is more appropriate for you.  If you're up to it we could meet at our office in Makati.

I will wait for your sms.   Regards.


Tony Cura
Sun Life Financial Advisor
http://www.sunlife.com.ph/
Almond NBO
thonycoors7@yahoo.com
09175803858
09228803858


Title: Re: Sun Life Prosperity Funds
Post by: troybol on Aug 16, 2009, 11:03 PM
question, is it possible to buy more shares of my mutual fund account thru ONLINE BANKING? that way, i dont have to visit the sunlife office everytime i have to buy additional shares. the only hitch i can think of is that i have to sign multiple order tickets so that my agent can hold them and file them accordingly everytime i made a deposit ONLINE. also with ONLINE BANKING there are no deposit slips, only confirmation email. will this suffice as a deposit transaction?
Title: Re: Sun Life Prosperity Funds
Post by: suzaku on Aug 17, 2009, 03:05 PM
^ Sa case ko everytime magdeposit ako sa BDO, I just fax the signed order ticket to Sunlife. I also inform my agent of the transaction. Never pa akong pumunta sa Sunlife office kahit nung first time ako nag-placement. Yung agent ang pumunta sa office ko :P
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Aug 18, 2009, 11:35 PM

question, is it possible to buy more shares of my mutual fund account thru ONLINE BANKING? that way, i dont have to visit the sunlife office everytime i have to buy additional shares. the only hitch i can think of is that i have to sign multiple order tickets so that my agent can hold them and file them accordingly everytime i made a deposit ONLINE. also with ONLINE BANKING there are no deposit slips, only confirmation email. will this suffice as a deposit transaction?


Troybol, you'll get the same number of shares whether it is through online banking or through our customer service since you'll be purchasing that based on the NAVPS of the day.

You may just asked your agent to pick your form up or fax it directly to Sun Life office together with the deposit slip.  :D
Title: Re: Sun Life Prosperity Funds
Post by: r00tcipher on Aug 19, 2009, 10:02 AM
ung sunlife money market fund ba yearly mga magkano average na kita?
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Aug 19, 2009, 12:41 PM
Sun Life Prosperity Money Market Fund posted an average 5 year return of 3.11% and YTD of 1.04% ... This fund is usually used as a parking facility only to locked-in yield made from the other Prosperity Funds like equity and balance fund.  Accrual method na kasi sya, as against the others aggressive funds which are under mark to market valuation.  
Title: Re: Sun Life Prosperity Funds
Post by: betina_vanilla on Aug 20, 2009, 08:40 AM
Hello! for those of you na nag babalak na mag invest sa VUL / MF ng sunlife, now is the right time to do so. unti unti na kasi tumataas ang NAVPS. nagstart ako mag invest with them nung january (thru freedomfighter). binayaran ko na yung face amount ng insurance ko for this year tapos top up na lang every pay day. nagugulat na lang ako kasi halos bawi ko na yung binayaran ko sa insurance. galing!  :cool2:

now i'm planning to enter yung Mutual Fund lang talaga... pero konting antay muna, diversify muna ng funds. hehehe.
Title: Re: Sun Life Prosperity Funds
Post by: teeyah on Aug 24, 2009, 02:27 PM
I chanced upon a sort of calculator to know how much you'd need if you're planning on getting a plan/MF from Sunlife, baka type nyo itry

http://www.sunlife.com.ph/oldfxn/NewsAndPR/promo_item_ask_lucy.asp
Title: Re: Sun Life Prosperity Funds
Post by: troybol on Aug 24, 2009, 09:31 PM
question, if i deposited before 12:00 noon today, what is the navps of the shares i bought? is it the navps published last thursday (considering friday was a non working holiday)? or is it the navps published for today (monday)?
Title: Re: Sun Life Prosperity Funds
Post by: suzaku on Aug 24, 2009, 09:46 PM
^ yung navps today
Title: Re: Sun Life Prosperity Funds
Post by: ronaldong on Aug 25, 2009, 09:08 PM
wala, di maganda performance ng sunlife ngayon.  better to get other funds which are performing. taas na nga ng upfront sales fee, mababa pa perfomance. check the navps on icap.com.ph.  
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Aug 27, 2009, 11:34 AM
mas stable naman yata sunlife kesa philequity di ba? for me, hindi porke mataas ang return sa iba e dapat ng patulan. pano pag nagsara?
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Aug 28, 2009, 12:42 AM
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Aug 29, 2009, 11:14 AM
With Sun Life Prosperity Funds, you can expect consistency in fund management. Sun Life's stance has been prudent fund management. This was exercised by our former president Mr. Henry Herrera even when he was still the Chief Investment Officer.

As investors, you should also be in line with the investment philosophies of fund managers. Ask yourself this question: If you are given the chance to be the fund manager, how will you allocate the portfolio? If your answer is somewhat similar to how the fund is being managed now, then by all means, you should invest in that fund.

While it's true that still having a big portion allocated in Cash at this point will diminish the possible gains, this strategy proved very well last market crash.

Other funds observe aggressive investing. Only maintaining 1%-2-% na cash. When the market corrects as it always does, the decline will be faster and sharper.

Title: Re: Sun Life Prosperity Funds
Post by: dalee on Sep 01, 2009, 04:30 PM

question, is it possible to buy more shares of my mutual fund account thru ONLINE BANKING? that way, i dont have to visit the sunlife office everytime i have to buy additional shares. the only hitch i can think of is that i have to sign multiple order tickets so that my agent can hold them and file them accordingly everytime i made a deposit ONLINE. also with ONLINE BANKING there are no deposit slips, only confirmation email. will this suffice as a deposit transaction?


follow-up ko lang yung question nya...di ba usually need to fax yung deposit slip e paano kung online banking? ask ko na din pede ba yung sunlife sa bpionline?  :help:

thanks.
Title: Re: Sun Life Prosperity Funds
Post by: troybol on Sep 01, 2009, 09:12 PM
Title: Re: Sun Life Prosperity Funds
Post by: r00tcipher on Sep 15, 2009, 09:49 AM
pwede bang ibaba ung VUL na from 1M gawing 500k? me penalty ba un?
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Sep 15, 2009, 11:02 PM
Hi rootcipher,

What is the reason para ibaba ung 1M to 500K? Premiums ba?
Title: Re: Sun Life Prosperity Funds
Post by: r00tcipher on Sep 16, 2009, 09:55 AM
yup premiums. gusto ko ibaba. wala na ako pambayad. hehe.
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Sep 16, 2009, 10:51 PM

yup premiums. gusto ko ibaba. wala na ako pambayad. hehe.


Ma-OT na ata tau kasi mutual funds ang thread na ito and we're discussing Sun Flexilink which is a VUL hehe. But in any case, I won't suggest you downgrade. The beauty of the VUL is that the premiums are flexible. If you say you have a hard time paying the premiums, pay the charges nalang muna.

That way, your 1M is intact and your policy won't lapse. Charges are usually just 20% of the original premiums. Of course, I have to recommend you contacting your agent so he can discuss your case better with you.  :D
Title: Re: Sun Life Prosperity Funds
Post by: jonskee27 on Nov 13, 2009, 09:54 AM
i wanna ask help to everybody which kinds of funds im going to invest equity,bonds or balance?which is the best one?
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Nov 15, 2009, 09:34 PM

i wanna ask help to everybody which kinds of funds im going to invest equity,bonds or balance?which is the best one?


It is best you answer the Investors Profile questionnaire first so you can determine the funds most suited for you.
Title: Re: Sun Life Prosperity Funds
Post by: rainblackrb on Dec 29, 2009, 11:00 AM
Hello Freedomfighter! just want to clarify some things.
sa Sunlife Smartstarter Plus ba, kunwari payable for 20 years, after 4 years, mag earn ako ng 6% of the face value every 2 years? ano yung endowment benefit, pwede ko ba makuha yun money na un? kumbaga, un yung interest na kinita nung investment ko?
ano naman yung cash value?
thanks!
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Dec 29, 2009, 03:15 PM
Title: Re: Sun Life Prosperity Funds
Post by: rainblackrb on Dec 29, 2009, 06:26 PM
Thank you po Freedomfighter! :D
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Dec 30, 2009, 11:21 PM
you're most welcome po!
Title: Re: Sun Life Prosperity Funds
Post by: mutualman on Jan 18, 2010, 04:23 AM
tanong ko lang, yung sa Sunlife Equity MF, yung investor ba magdedecide kung bibili siya ng shares o hindi? hindi ba automatic yun?, o yung pagbili ba ng shares e yun din yung nagdadagdag ka ng monthly investment let's say 5k every month ibig sabihin ba nun bumibili ka ng shares? ang balak ko kasi maginvest ng 50k tpos every month lalagyan ko ng 5k irregardless kung mababa o mataas ung navps,
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jan 18, 2010, 09:10 PM

tanong ko lang, yung sa Sunlife Equity MF, yung investor ba magdedecide kung bibili siya ng shares o hindi? hindi ba automatic yun?, o yung pagbili ba ng shares e yun din yung nagdadagdag ka ng monthly investment let's say 5k every month ibig sabihin ba nun bumibili ka ng shares? ang balak ko kasi maginvest ng 50k tpos every month lalagyan ko ng 5k irregardless kung mababa o mataas ung navps,

   

As soon as you or your agent fax the order ticket before 12:00 noon, you ordered them to buy shares for you. Pls. talk to your agent about your style of getting your placements done.
Title: Re: Sun Life Prosperity Funds
Post by: yugi2k4 on Jan 22, 2010, 07:16 PM
Mga sir pababa ata trend ng equity fund natin ngayun ha......... any point of view???
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jan 23, 2010, 02:33 PM
Sun Life Financial's It's Time! Tv commercial set to break tonight (Saturday), January 23rd, during the Maalaala Mo Kaya Special @8pm! Watch out for it guys, and get to know who our 2 new celebrity advocates, who now supports our mission to help as many Filipinos achieve financial freedom!

Tonight's the night! It's Time! introduces its newest advocates as it airs its Tv commercial during the Maalaala Mo Kaya Special at 8 PM.

In celebration of this, we're giving away one Rudy Project analog watch to one It's Time! fan/advocate!

1. Watch the It's Time Tv commercial tonight and take note of the advocate's last line.... See More

2. Email the line to advocate@itstime.com.ph together with your name, address and contact info.

3. The first correct and valid email will be declared winner.

4. All Sun Life Financial employees and agents are disqualified from this contest.


Cheers!



Tony Cura
Sun Life Financial Advisor
thonycoors7@yahoo.com
anthony.s.cura@sunlife.com.ph
+63922-8803858
+63917-5803858
Title: Re: Sun Life Prosperity Funds
Post by: mutualman on Jan 25, 2010, 11:54 AM
thank you for that information freefront, may isa pa akong tanong, tanong ko lang din kasi diba may exit fee pag niredeem mo before mag 5 years and after 5 years mawawaive na ung exit fee sa sunlife equity diba? so what if i started investing 50k this month so ngayong month ang start ng bilang ng first year ko diba, pag nagadditional investment ako kada buwan, mauusog din ba yung pagbilang ng 5 years para mawaive at dun ibabase sa last investment ko ang pagbilang ng years o dun sa initial investment ko magbabase ng 1st year?
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jan 25, 2010, 02:46 PM

thank you for that information freefront, may isa pa akong tanong, tanong ko lang din kasi diba may exit fee pag niredeem mo before mag 5 years and after 5 years mawawaive na ung exit fee sa sunlife equity diba? so what if i started investing 50k this month so ngayong month ang start ng bilang ng first year ko diba, pag nagadditional investment ako kada buwan, mauusog din ba yung pagbilang ng 5 years para mawaive at dun ibabase sa last investment ko ang pagbilang ng years o dun sa initial investment ko magbabase ng 1st year?


Are you sure you are totally free of charges after 5 years (o nalito ako sa philequity)?
Anyway, you start counting time for every subsequent investment you do.
Title: Re: Sun Life Prosperity Funds
Post by: mutualman on Jan 25, 2010, 06:16 PM
Hindi pala exit fee, back end sales load pala. Anyway, nasagot naman ang aking katanungan. Salamat ulit.
Title: Re: Sun Life Prosperity Funds
Post by: tsi245 on Jan 26, 2010, 01:08 AM
Hi! I'm newbie here. I'm planning to invest mutual funds with sunlife next mos. feb.2010.
Question? Is it right to invest in next month with MF? I don't know exactly what's best
fund to invest. I already talk to sunlife agent and he offer me Balanced fund and Equity
fund. I'm 40 last dec'09 my plan to invest in MF within 5-10 years with initial 10k and additional mos.
investment of 5k-10k. What do you think is best funds for me. Thanks.
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jan 26, 2010, 11:35 AM

Hi! I'm newbie here. I'm planning to invest mutual funds with sunlife next mos. feb.2010.
Question? Is it right to invest in next month with MF? I don't know exactly what's best
fund to invest. I already talk to sunlife agent and he offer me Balanced fund and Equity
fund. I'm 40 last dec'09 my plan to invest in MF within 5-10 years with initial 10k and additional mos.
investment of 5k-10k. What do you think is best funds for me. Thanks.



May I recommend that you read the Lesson 22 ( How to Make a Million in Mutual Funds) of William J. O'neil's 24 Essential Lessons For Investment Success. O'Neil is the founder of Investor's Business Daily in the USA.

No other book or explanation ever gave me the clearest picture than this one.
Title: Re: Sun Life Prosperity Funds
Post by: count3boy on Jan 26, 2010, 11:47 AM
freefront, may ebook ka ba nyan? share naman kung pwede to count3boy@gmail.com. thanks!
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jan 26, 2010, 11:49 AM

freefront, may ebook ka ba nyan? share naman kung pwede to count3boy@gmail.com. thanks!


Sorry talaga. I only know the rudimentary of computer functions. I have real books :D.
Title: Re: Sun Life Prosperity Funds
Post by: tsi245 on Jan 27, 2010, 12:20 AM
Title: Re: Sun Life Prosperity Funds
Post by: onek13 on Feb 12, 2010, 03:52 PM
Hi newbie here....   :hello:

im interested in investing a minimum amount in Mutual Funds and add minimum per month...

but after reading some PMT forum threads.... i still dont know what type of MF should i choose....

by the way im 22 yrs. old and planning to invest it at least 2 and half year....

 :help: :help: :help:
Title: Re: Sun Life Prosperity Funds
Post by: vss332003 on Feb 12, 2010, 04:07 PM
@tsi and @onek, i suggest you take a look first at the 2009 peso uitf report and 2009 philippine mutual funds report found on the homepage to guide you in your decision as to where to put your money. of course, as they always say, past performance is not indicative of future performance. but then, past performance should give you an idea of how the funds are managed. good luck and God bless!

Title: Re: Sun Life Prosperity Funds
Post by: venturetrees on Feb 12, 2010, 05:21 PM
@tsi and @onek, I suggest try to do more research before investing in Mutual Fund and UITF so you will have an idea on how this funds are played, which performs best; where, when, how to invest & redeem. Just like vss33 said hindi sya indicative of future performance. Just go to the mutual fund & uitf websites, you will find lots of information there.
Title: Re: Sun Life Prosperity Funds
Post by: teeyah on Feb 12, 2010, 05:57 PM
You can try this mini quiz to find out what kind of investor are you =) http://itstime.com.ph/lucy/web/All.swf
Title: Re: Sun Life Prosperity Funds
Post by: onek13 on Feb 12, 2010, 09:40 PM
Title: Re: Sun Life Prosperity Funds
Post by: vss332003 on Feb 12, 2010, 10:40 PM
no problem, @onek! i also got those learnings from here and the other pmters.
Title: Re: Sun Life Prosperity Funds
Post by: tsi245 on Feb 16, 2010, 03:31 AM
@vss332003;@venturetrees Thanks guys for your suggestion and comments :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: vss332003 on Feb 16, 2010, 08:00 AM
you're most welcome, @tsi245.
Title: Re: Sun Life Prosperity Funds
Post by: bint0i on Feb 17, 2010, 03:18 PM
this forums help me think for my future.  :D
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Feb 18, 2010, 01:28 PM
Title: Re: Sun Life Prosperity Funds
Post by: bint0i on Feb 19, 2010, 05:32 PM
Boss bauer, i am planning also to invest sa sunlife balanced fund.
and i want to pull-out when it reached 5 yrs. can u advise me what
investment vehicle should i buy? email me boss bauer. bint0i_24@yahoo.com

thanks a lot!
Title: Re: Sun Life Prosperity Funds
Post by: tsi245 on Feb 19, 2010, 06:37 PM
@Bauer:I'm planning to invest in sunlife 10k initial inv. and 5k mos. top-up. what do u think and how much is possible
return if i invest it for 10years?
Title: Re: Sun Life Prosperity Funds
Post by: onek13 on Feb 22, 2010, 03:26 PM
Title: Re: Sun Life Prosperity Funds
Post by: chris0874 on Feb 22, 2010, 04:07 PM
Title: Re: Sun Life Prosperity Funds
Post by: cyberjoross on Apr 13, 2010, 07:11 PM
im a newbie here, ask me lang po if ever na ang minimum investment ko is 10k, required po b ako na mag add ng additional investment... if ever how much? tnx...........
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Apr 13, 2010, 10:48 PM
Title: Re: Sun Life Prosperity Funds
Post by: blushy_bushy on Apr 22, 2010, 03:15 PM
Is it a good time now to invest with sun life balanced fund? namimili ako sa bpi mutual fund and this? Newbie po ako,super backread po ako hehe..

Ang saya saya dito sa PMT. Graduate ako ng Financial Management nung nag aaral ako hindi ko talaga maintindihan, buti nalang talaga pumasa ako haha sa awa ng Diyos.
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Apr 23, 2010, 01:05 AM
blushy2,

if you have bpi uitf and you are satisfied with the fund's performance, stick ka na lang dyan. kasi uitf and mutual fund has both fundamental goals.  collect small amounts of cash from a large number of investors and then use the funds to invest in different financial instruments.

if you wanted to try other investment aside from bpi UITF, you should look in corpo bonds, t-bills, stocks, property, govt bonds, etc.
Title: Re: Sun Life Prosperity Funds
Post by: DropZite on Apr 28, 2010, 07:15 PM
Quote
http://itstime.com.ph/lucy/web/All.swf suggest

Product Name : Sun Life Prosperity Balanced Fund
Investing amount : Php 2,000 monthly
Possible Returns in 3 Year(s) : Php 88,554


Question lang on how this work.. You're going to give them Php 2,000 per month for 3 years and on the 3rd year after your last payment you'll get Php 88,554 more or less. 3 years = 36 months so on the 37th month you'll get that possible return na? And on the first one you'll just give them Php 2,000 only? Tama ba pagkakaintindi ko?
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Apr 29, 2010, 12:49 PM
dont rely so much with the computation of 2k monthly contribution for 3 years and then you will earn 88t at the end of three years.  the factors affecting the returns of the sunlife balance fund are:

1. NAVPU changes everyday.  NAVPU is net asset value per unit of shares that you purchase.  It may either go up or down.  What if every month when you decide to buy the NAVPU is mostly up?
2. The returns is dependent on the general performance of the philippine economy in 3 years time.  Any problems or crisis specially on the 3rd year will reduce the NAVPU.
3. The t-bills and bond rates are low in the near future so returns are not spectacular.  It will reflect in the NAVPU.

the computation of 88t returns maybe based on past performance only.  It does not guarantee future performance.
Title: Re: Sun Life Prosperity Funds
Post by: drickchua99 on Apr 29, 2010, 01:04 PM



Question lang on how this work.. You're going to give them Php 2,000 per month for 3 years and on the 3rd year after your last payment you'll get Php 88,554 more or less. 3 years = 36 months so on the 37th month you'll get that possible return na? And on the first one you'll just give them Php 2,000 only? Tama ba pagkakaintindi ko?



Php 2,000 x 36 months = 72,000. Because of the returns of the balanced fund assuming at least 9% per annum since the start of your investment, you can earn something like 88,000++. This is possible naman although it's not guaranteed that it can net a 9% compounding rate.

Again, this is only a projection and it does not guarantee anything.
Title: Re: Sun Life Prosperity Funds
Post by: meiashie on May 19, 2010, 09:37 PM
may age limit po ba ang mga dapat mag invest dito sa sunlife?
i am a student and i want to invest sana i am turing 18 this may
savings ko palang is aroung 5 units nd pa kc abot sa 6 digits
kaya plan ko sana palaguin since naka stock lang naman ung pera sa bank
can anyone help me?
Title: Re: Sun Life Prosperity Funds
Post by: teeyah on May 23, 2010, 12:36 AM
^The minimum investing amount is now Php 5,000. :) It says so on their website: http://www.sunlife.com.ph/slfglobal/v/index.jsp?vgnextoid=c6d2de129ff52210VgnVCM1000009b80d09fRCRD&vgnLocale=en_CA

As for the age, I'm not sure kung bawal ang bata, but I think the requirement is two IDs. Kapag sobrang laki ng amount, they might ask for more docs for AMLA purposes :)

BTW, their advocacy page says they're having a contest and the grand prize is a trip for two to Boracay: http://www.itstime.com.ph/2010/05/13/tell-a-friend-win-a-trip-to-boracay/
Title: Re: Sun Life Prosperity Funds
Post by: engkhanto on May 29, 2010, 01:07 AM
i just finish filling out the forms sunlife had given me this morning...

this is my first time in mutual funds...late bloomer kasi...huli na information about investment...laging one day millionare...hope to get my fist 1 million here in sunlife MF...goodluck sa akin
Title: Re: Sun Life Prosperity Funds
Post by: gigabytes on Jun 08, 2010, 10:47 AM
Yep, that's correct. Investment in Sun Life is now much affordable, P5,000 as initial investment and P1,000 for succeeding investments.

How do I know? I'm a Certified Mutual Fund Representative from Sun Life. So if you guys have any question or need something, I might be able to help you be it online or in person.

YM - gigabytes27
Email - gigabytes27@gmail.com / garryzaldy.s.decastro@sunlife.com.ph
Posted on: Jun 08, 2010, 09:31 AM

may age limit po ba ang mga dapat mag invest dito sa sunlife?
i am a student and i want to invest sana i am turing 18 this may
savings ko palang is aroung 5 units nd pa kc abot sa 6 digits
kaya plan ko sana palaguin since naka stock lang naman ung pera sa bank
can anyone help me?


@meiashie - yes you need to be 18. I think by now, 18 ka na, right? Anong help ang need mo?
Title: Re: Sun Life Prosperity Funds
Post by: Ping on Jun 08, 2010, 05:49 PM
San po makikita yun historical price ng Sunlife VUL balanced funds PHP?

Kung tama ako, today ito ang price nya 1.8742 (http://www.sunlife.com.ph/slfglobal/v/index.jsp?vgnextoid=e8bcde129ff52210VgnVCM1000009b80d09fRCRD&vgnLocale=en_CA)



 :hello:
Title: Re: Sun Life Prosperity Funds
Post by: suzaku on Jun 08, 2010, 08:18 PM
Go to this page
http://www.sunlife.com.ph/slfglobal/v/index.jsp?vgnextoid=73d23660db153210VgnVCM1000009b80d09fRCRD&vgnLocale=en_CA
Title: Re: Sun Life Prosperity Funds
Post by: Ping on Jun 08, 2010, 09:13 PM
Thanks!


 :thankyou:
Title: Re: Sun Life Prosperity Funds
Post by: gigabytes on Jun 09, 2010, 10:12 AM
Actually there is a cut off. What you actually see is yesterday's NAVPS. For example, if you plan to invest today, make sure you do it before 12nn so that your investment will be computed with the published rate for the day. If you happen to do it beyond 12nn, your investment will be computed with the next computed NAVPS which will be more likely computed around 4-6pm. Thus, not yet known.

So rule of thumb, always do it in the morning. Either putting in or redeeming.
Title: Re: Sun Life Prosperity Funds
Post by: prentsprays on Jun 23, 2010, 10:43 AM
 :thankyou:

dami ako natutunan dito.

I started investing sa Philippine Equity through Sunlife mutual funds 5 months ago. Dito muna ko and learn some before I go into Stocks market myself. May minimum lot pa kasi ang PSE.
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Jun 28, 2010, 12:59 PM
paano po maghulog ng subsequent investment kapag nasa labas ng pilipinas? Kailangan pa po ba ng order ticket? pano na po ang process? salamat po.
Title: Re: Sun Life Prosperity Funds
Post by: gigabytes on Jun 29, 2010, 09:59 PM
@a320 Kung nsa labas ka ng pinas, (assuming you invested in Sun Life) you can send directly to Sun Life Asset Management Corp (SLAMC) bank accounts, then take note of the transaction number. After which, you will need to have a Subsequent Investment form filled up, with signature. You then need to send the signed Subsequent Investment form to your agent/advisor or directly to SLAMC for processing.

Best way is to have a relative deposit the funds thru BPI or BDO here in the Philippines. Scan the deposit slip along with the Subsequent Form (make sure you have the signature), then email to SLAMC or your agent/advisor.

@bizmen, sir eto din ung procedure that I mentioned to your wife. I already gave her Order Tickets (subsequent investment) that you can reproduce.

Should you need an investment advisor (Sun Life), I might be able to help you. Below are my contact details:

YM - gigabytes27
Mobile - 0922 897 8077
Email - garryzaldy.s.decastro@sunlife.com.ph / gigabytes27@gmail.com
Title: Re: Sun Life Prosperity Funds
Post by: A320 on Jul 02, 2010, 01:05 PM

@a320 Kung nsa labas ka ng pinas, (assuming you invested in Sun Life) you can send directly to Sun Life Asset Management Corp (SLAMC) bank accounts, then take note of the transaction number. After which, you will need to have a Subsequent Investment form filled up, with signature. You then need to send the signed Subsequent Investment form to your agent/advisor or directly to SLAMC for processing.

Best way is to have a relative deposit the funds thru BPI or BDO here in the Philippines. Scan the deposit slip along with the Subsequent Form (make sure you have the signature), then email to SLAMC or your agent/advisor.



salamat po sir.

Title: Re: Sun Life Prosperity Funds
Post by: bizmen on Jul 07, 2010, 01:27 AM
@zaldy,  thanks pala for accomodating our Prosperity Fund investments ...keep in touch!!!  
Title: Re: Sun Life Prosperity Funds
Post by: gigabytes on Jul 07, 2010, 09:50 AM
Title: Re: Sun Life Prosperity Funds
Post by: teeyah on Jul 12, 2010, 05:24 PM
Piolo Pascual endorses Sun Life! http://www.youtube.com/watch?v=31u5qfG_uYs
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Jul 15, 2010, 12:04 AM
Guys,

Dont invest on Philam or Sunlife or Grepalife or AXA or Mutual Funds...Sayang lang pera nyo kasi matutulog...Pag me nagoffer sa inyo ng ganyang products , all of them are Insurance Sales Person disguising as Financial Consultants !! So beware!! If someone is trying to sell you insurance ask them first kung sila mismo ay bumili kasi lahat sila hindi bumibili ng insurance products na ibinebenta nila (bumili man malamang konti lang).. Kung meron sila , humingi kayo ng proof na bumili nga sila and compare nyo kung magkano nya nabili before at kung ibebenta nya ngayon  magkano maibebenta, from there makikita nyo na yung insurance funds ay hindi lumaki at sasabihin lang nila na kasi "DOWN ANG MARKET!"  Just be careful because you will LOSE your retirement money to them...its like plain and simple robbery!
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 15, 2010, 07:59 AM
^How can you be a rothschild if you diss financial products so easily? These are the same instruments that enable these people to live like kings, give away to charities and to be able to keep their riches, whether gotten by fair means or foul. It is called wealth preservation. And they have been doing this for generations, not just 2-3 years.

What could be your attitude if you bombed in stock trading, too. I wonder?

Just to keep things cool, have you seen the 1 Million dollar replica living room of the Rothschilds of New York at the Jerusalem Museum? That will make you gig instead of sourpussing all over the place. We all get to feel like a fool sometime. Get over it.
Title: Re: Sun Life Prosperity Funds
Post by: GoodSteward on Jul 15, 2010, 11:51 AM
@Rothschild
I suggest that he wont be too monotonous with his posts. 14 of his 15 posts are the same. We get you, ok. Nakakabingi yun pgkulit mo, freakin annoying.
http://www.pinoymoneytalk.com/forum/index.php?action=profile;u=23123;sa=showPosts
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 15, 2010, 05:10 PM
Hey FF! Howdy our very patient Sunlifer? I'm about to post my nephew's soa. I was wondering if there was no stock dividend declaration in 2009?
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 15, 2010, 11:48 PM

Hey FF! Howdy our very patient Sunlifer? I'm about to post my nephew's soa. I was wondering if there was no stock dividend declaration in 2009?


Hi there good friend, freefront!  hehe can't blame you.  I would love to post too some of the Soa's of some of my clients who practice the discipline of making regular investments with us.  But I don't think our compliance dept. will allow me on that. hehe  

Regarding your question, if my memory serves me right, I think we did last year but with our GS Fund only.  Let me get back on you once I confirmed it.
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 16, 2010, 06:48 AM
^I got the SOA from my adviser. It one of my nephews' and I got his approval and his name will be cropped out anyway. I'll do it as soon as the kids get back from school. It is very interesting. It shows how you get capital gains, stock dividends, the cost averaging principle, the back end, no load, front load thing and exactly where you are to this day.

So as not to affect the rep. of SL, I will post it in the general MF thread.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 16, 2010, 11:02 AM
Please do give us a heads-up here once you posted it, freefront.

I'm a bit catching up on the threads here including those who sent me pm's. Been busy more on offline activities lately as I have to see and talk with clients personally on the field. I would appreciate for those contacting me to just send me a text message so I could attend promptly to your concerns.

As regards, personally practicing the discipline & strategy of doing cost averaging, I have instructed my employer, Sun Life, to automatically deduct/debit from my ACS the amount of Php 5,000 every month (P2,500 every payday) and credit it to my personal MF account, just for good measure. This is in addition to the automatic 5% deduction that Sunlife witholds from my monthly earnings as my personal share and credited to our company sponsored Provident Retirement plan. Sunlife matches our personal contributions under such provident plan with a 100% equal share/amount.:watchuthink: I am thus very grateful that I am associated with the Best company in the industry that encourages its advisors not just to do the talk, but walk the talk too, as well! :rakenrol:

I also a have a private traditional trading/distribution company in the province, and me and my business partner has taken life insurance policies that are link to an investment component similar to a Mutual Fund (we call it Vul). This is more under a Keyman or partnership insurance that is funded from the earnings of our company.

And I do have my own personal life insurance policies, max-out my Group life insurance coverage to maximum coverage allowed by Sunlife in my case, and I do have a stand-alone personal accident insurance with medical reimbursement and stand alone critical illness insurance in addition to Sunlife's CIB riders on my policies.

Now Rotchschild, if only you would do me the honor of meeting you personally perhaps I could influence you to have a change of heart on your outlook. Please be assured I will not sell you anything bro let's just get acquainted over a cup of coffee.

Regards to all!

^I got the SOA from my adviser. It one of my nephews' and I got his approval and his name will be cropped out anyway. I'll do it as soon as the kids get back from school. It is very interesting. It shows how you get capital gains, stock dividends, the cost averaging principle, the back end, no load, front load thing and exactly where you are to this day.

So as not to affect the rep. of SL, I will post it in the general MF thread.
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Jul 16, 2010, 05:10 PM
before me meet in person, can you email me a proof na ikaw mismo ay bumili na policy ng sunlife? I expect na siginificant amount ang ibinili mo at hindi lang yung masabi lang na bumili ka...perhaps I will be convinced na maganda yung product kasi ikaw mismo bumili ng policy...
Posted on: Jul 16, 2010, 05:06 PM
@GoodSteward,

Ikaw ba yung nagaahente before sa Legacy Mess (Banco Paranaque)??
Posted on: Jul 16, 2010, 05:08 PM

^How can you be a rothschild if you diss financial products so easily? These are the same instruments that enable these people to live like kings, give away to charities and to be able to keep their riches, whether gotten by fair means or foul. It is called wealth preservation. And they have been doing this for generations, not just 2-3 years.

What could be your attitude if you bombed in stock trading, too. I wonder?

Just to keep things cool, have you seen the 1 Million dollar replica living room of the Rothschilds of New York at the Jerusalem Museum? That will make you gig instead of sourpussing all over the place. We all get to feel like a fool sometime. Get over it.
Siguro Insurance Salesperson ka kaya ka nagagalit, apektado ba sales mo??
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 16, 2010, 08:45 PM
^Sorry sweetie. My livelihood still involves sales, but you go away in pain if you don't avail of it, is all I am saying. I am really sorry for your loss. You will believe what you want to believe and we will leave it at that.

And why would I need to show proof to you? This will just become a pissing contest. A very useless endeavor I certainly don't need. 'Ciao!
Posted on: Jul 16, 2010, 07:48 PM
Sorry FF. The item from photobucket is all blurry and we can't make it look right. Maybe you can post a portion of yours?
Title: Re: Sun Life Prosperity Funds
Post by: GoodSteward on Jul 16, 2010, 08:54 PM
Title: Re: Sun Life Prosperity Funds
Post by: AbysmalSpecter on Jul 16, 2010, 08:57 PM

^Sorry sweetie. My livelihood still involves sales, but you go away in pain if you don't avail of it, is all I am saying.


Med rep ka?  Hehehehehe
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 16, 2010, 09:10 PM
^Worse! Pero hindi ako "drug pusher" :hihi:
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 16, 2010, 10:08 PM

before me meet in person, can you email me a proof na ikaw mismo ay bumili na policy ng sunlife? I expect na siginificant amount ang ibinili mo at hindi lang yung masabi lang na bumili ka...perhaps I will be convinced na maganda yung product kasi ikaw mismo bumili ng policy...


Why email pa when i can show them to you personally.  You can touch them, hold them, scrutinized, go from cover to cover, and read the fine prints and best of all, we could have a lively, intelligent conversation as to any of your questions and objections.  Face to Face, man to man.  Nothing to lose bro.  And since ako naman ang nag-invite, sagot ko na coffee natin sa Starbucks.

You know how to contact me.

Regards!


Tony


Title: Re: Sun Life Prosperity Funds
Post by: AbysmalSpecter on Jul 16, 2010, 10:27 PM

^Worse! Pero hindi ako "drug pusher" :hihi:


Hahahaha.  If you're not, I have no use for you.   :D   Of course, joke lang un.
Title: Re: Sun Life Prosperity Funds
Post by: richpulubi on Jul 17, 2010, 08:16 AM

Guys,

Dont invest on Philam or Sunlife or Grepalife or AXA or Mutual Funds...Sayang lang pera nyo kasi matutulog...Pag me nagoffer sa inyo ng ganyang products , all of them are Insurance Sales Person disguising as Financial Consultants !! So beware!! If someone is trying to sell you insurance ask them first kung sila mismo ay bumili kasi lahat sila hindi bumibili ng insurance products na ibinebenta nila (bumili man malamang konti lang).. Kung meron sila , humingi kayo ng proof na bumili nga sila and compare nyo kung magkano nya nabili before at kung ibebenta nya ngayon  magkano maibebenta, from there makikita nyo na yung insurance funds ay hindi lumaki at sasabihin lang nila na kasi "DOWN ANG MARKET!"  Just be careful because you will LOSE your retirement money to them...its like plain and simple robbery!


I know exactly how you feel!  I just hate it when people will go up to you and try selling insurance, investment, or insurance investments.  They don't even know your needs! Pretending to know what is good for you!

But I will admit, I do deal with an insurance lady, I have invested through her, and I have bought insurance from her.  But i too have tested her when I needed to make a claim and she really really helped me!  And so, not all insurance sales people are so bad after all!
Title: Re: Sun Life Prosperity Funds
Post by: bisoy on Jul 18, 2010, 01:50 PM
bossing baka may makatulong nmn sken.. interested po ako d2 sa mutual fund na offer ng sunlife...
OFW po ako baka meron nmn makakapagadvice sken anu ung mga kelangan at konting enlightement pa sa sunlife mutual fund...

thank you po...
Title: Re: Sun Life Prosperity Funds
Post by: kenshin on Jul 24, 2010, 12:59 PM
just a quick inquiry: how much is the minimum monthly investment for sunlife prosperity funds. i understand that initial investment is 10k but how bout the succeeding payments?
thanks and God bless! :D  
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 24, 2010, 01:52 PM
5k initial
1k subsequent, as frequent as you like
Title: Re: Sun Life Prosperity Funds
Post by: kenshin on Jul 28, 2010, 07:28 AM
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 28, 2010, 01:10 PM
^ask if she has a license for MF.
The initial went down to 5K sometime last yr. pa yata or early this yr. because of the campaign for financial literacy.
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 28, 2010, 01:26 PM
you're correct freefront.  initial minimum is 5K only and subsequent is as low as 1K only, as frequent as you want.

@kenshin   If your advisor's recommendation is to go for a Vul, you should have full appreciation of the advantage/disadvantage of getting one, as presented by your advisor.  Baka kasi wala ka pang life insurance or you're still under protected kaya yun ang recommendation nya.  With Vul kasi you enjoy both having protection and investment at the same time.  Pero tanungin mo na rin sya if licensed sya for MF.

At the end, ikaw pa rin naman magde-decide.  

Regards!


Anthony Cura
Financial Advisor
Licensed Mutual Fund Representative
Sun Life Financial
thonycoors7@yahoo.com
anthony.s.cura@sunlife.com.ph
0917-5803858
Title: Re: Sun Life Prosperity Funds
Post by: AbysmalSpecter on Jul 28, 2010, 01:50 PM
I opened Sunlife Prosperity Balanced Fund early this month.  I am setting aside a certain amount to buy on a monthly basis.
Title: Re: Sun Life Prosperity Funds
Post by: kenshin on Jul 28, 2010, 03:53 PM
Title: Re: Sun Life Prosperity Funds
Post by: freedomfighter on Jul 29, 2010, 01:15 AM
Here's my take, kenshin... since you confirmed that you indeed has no insurance yet then I suggest you consider a diversified portfolio with us instead of just taking a stand alone MF approach. You see, life insurance is an indispensable foundation of a sound financial planning. As financial advisors, we would be doing a disservice if we are not able to point out to you the prudence of having a comprehensive plan that would automatically be on auto-pilot or would self-complete (in contrast to self-destruct), just in case disability, or diagnosis of a critical illness, or even if death interupts your wealth accumulation plan.

Yes, you may be young, healthy, and even feel immortal, that accident or diagnosis of a critical illness or even death may happen to other people but not to you. But I'm telling you, it may happen to you, or to anybody, even to me -sooner or later. What if mangyari nga yun? What will happen if assuming you intend to accumulate say 1Million in 10 years time and you started setting aside a portion of your income every month to a Mutual Fund account alone, without any insurance protection on the side?

Let's say nag-open ka ng MF with an initial 5K and then you made regular monthly subsequent investments or top-ups into your mutual fund and then suddenly disability strikes. Nawalan ka ng trabaho since disabled ka na. Syempre ang makukuha mo lang ay kung magkano naipon mo with your Mutual Fund. Actually to be precise, kung magkano lang fund value nya at that time. Hanggang duon na lang sya! Maari pa ngang negative pa if down ang market. What if P5,000 pa lang na-invest mo? Di ba disaster yun? Self-destruct na stand-alone Mutual fund approach mo kung magkagayon.

Do you know that there is wisdom in using the strategy of using "leverage" in building-up your investment portfolio? An example of utilizing leverage is when you buy a real estate property using an easy payment installment scheme. Let's say you bought a real estate property worth 1Million with this strategy and you only paid an initial installment of 5% or 50K pesos. But by virtue of said installment payment, you have now an interest in an asset that is worth more than what you actually invested or paid for!

Ganun din yun if you take a regular pay VUL. You are actually using leverage. With Sun Flexilink, you could start by getting a 500K or 1Million worth of Life insurance by just paying the initial quarterly premium muna, i.e. 5K din or more depending on your age and face amount and riders desired. And then just make regular monthly premium payment or investment into your VUL which may even be much lower than 1K and as frequent as you like.

Bottomline is, you are able to apply leverage because what you actually bought is an interest or proprietary right to a VUL property worth 1Million Pesos, for example, just by paying the initial quarterly premium and the monthly premium, threafter. Best of all, "liquid" pa sya, unlike a real estate property. So you could accessed your funds anytime the need arise.

I would be able to articulate my point of view, comprehensibly, if I had been able to interview you personally, but because of the limited information I have from you and the lack of personal interfacing, I would like to caution you not to take this as a financial advise but more of my personal opinion instead.

Just my view.

Regards!


freedomfighter


Title: Re: Sun Life Prosperity Funds
Post by: richpulubi on Jul 29, 2010, 08:17 AM
Title: Re: Sun Life Prosperity Funds
Post by: kenshin on Jul 29, 2010, 10:09 AM
Thank you for the information.

I am 30 y/o single. No dependents.
Title: Re: Sun Life Prosperity Funds
Post by: richpulubi on Jul 29, 2010, 11:25 AM
What is the purpose of life insurance?  It's to make sure your wife and kids will survive if you die prematurely.  So, if you hve no wife, or if she is making more money than you, and if you have no kids, then you don't need life insurance YET.  Better to get disability insurance, so if you cn't work due to an injury, you still get money.

Title: Re: Sun Life Prosperity Funds
Post by: bauer on Jul 30, 2010, 03:29 PM
RP, agree. i got life insurance after i got married.
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Jul 30, 2010, 03:52 PM
^We have stand alone disability insurance in P.I.? I would get that. No hands, no work period

RP, I don't even qualify dying as prematurely or timely. I die period My carcass needs to be buried. I will use that 250K to go whoring around the world or as I see fit and not keep it in the bank. My relatives, who I love-doesn't really mean they love me the same- will experience the same travails as anybody else so I made my own rule: my funeral-my expense.

And this is the most bad*ss notion in my head---I will create the most money with the least capital (all kinds-time,money and effort) in any way legally possible, for the most optimum number of people to enjoy and to pass along the process. Insurance is just one way.

How is the concept of insurance not part of the financial literacy? It is money! (Sorry about the strident tone. I am having another bout of mini-midlife crisis :D :D :D)
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Jul 30, 2010, 08:19 PM
Meron, disability due to accidents nga lang hehehe
I also tried to look for a disability insurance that covers
disabilities due to illnesses but alas I couldn't find one.

But my Prulife agent did tell me that their VUL product
comes with a built-in disability insurance and it covers
disabilities due to illnesses.

Kung ok lang sana loyalty bonus policy ni Prulife, eto
na sana kukunin instead of Sunlife hehe.

Also my work insurance also covers disabilities due to
illnesses. Sa Axa yung group insurance namin so maybe
Axa's VUL might have a disability rider. I'm not sure

@kenshin, if I were in your shoes. I'd keep it. Sooner or
later you'll probably need insurance especially once you
get married.

I got my Sunlife policy when I was 21 years old and then
3 years later I got married. I don't regret getting it.

Although I'm not sure if a VUL is the right product for
you. Gusto ko kasi yung risky at pwede kong "controlin"
policy ko eh hehehe
Title: Re: Sun Life Prosperity Funds
Post by: richpulubi on Jul 31, 2010, 06:58 AM
life insurance in not an investment.  investments makes your wealth grow. insurance does not. but it is a means to give you the courage to make more wealth, cuz you can take greater risks with your money or business.  risks you can take, cuz you don't need to worry about your family if your die prematurely.

eventually, when you've set aside enough, life insurance is no longer necessary to sustain your family.  but rather, the proceeds will be used to settle estate taxes upon your death.
Title: Re: Sun Life Prosperity Funds
Post by: sardonyx on Dec 08, 2011, 05:41 PM
I plan to purchase additional shares of Sunlife's Balanced Fund.  Nakalimutan ko na ang mga additional charges.  Paki-verify lang po.  

May front-end load at back-end load (depending on how long you hold them) ba when purchasing the shares?  or do you have the option to choose as to how you will be charged?

Sa Sunlink, pwede pala i-register ang mutual fund account mo.  I have my account number, pero nakalimutan ko na ang valid ID used and ID number ko since I bought my shares 4 years ago pa.  Would I still be able to register my account online?
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Dec 24, 2011, 10:21 PM
This is a great forum. I learned a lot sa pagbabasa dito kahit sa maikling panahon pa lang. Sana lang eh noon ko pa ito nakita.

Anyway, i have a question lang sana sa mga Sunlife Agent/Advisor out there, or sa kahit hindi agent, basta pwedeng sumagot sa query ko. I'm planning to invest sana sa Mutual Fund ng Sunlife, particularly Equity and Balanced Fund, hopefully early next month. I have some few questions lang po..

1. Anu-ano ang procedure/requirements na kelangan in case i-wiwithraw na yung naipon sa MF?

2. Mga gaano katagal aabutin ang procedure na yun?

3. In case of death (ng investor), pwede bang ma-claim ng relatives nya or family yung naipon nya sa MF?

4. If yes, anu ang mga requirements na kelangan? And gaano katagal ito aabutin?

TIA po..
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Dec 25, 2011, 04:18 PM
^#3 I haven't addressed this one yet. But I plan to ask the 2 eldest kids to sign up to be part of an "OR" account and leave the password of the online account to them in a safety deposit box. That should take care of the bother of producing documents (which I suppose would be death certicate, birth certificate -theirs and mine, maybe a last will and testament?) and bypassing the inheritance tax altogether.

Since you are already concerned about passing on your assets, let's just tack this in, okay?
TAX BASE, PHP (US$) TAX RATE
Up to 200,000 (US$4,469) nil
200,000 - 500,000 (US$11,172) 5% on band over US$4,469
500,000 - 2 million (US$44,687) 8% on band over US$11,172
2 million - 5 million (US$111,717) 11% on band over US$44,687
5 million - P10 million (US$223,434) 15% on band over US$111,717
Over 10 million (US$223,434) 20% on band over US$223,434
Source: Global Property Guide
see: http://www.bir. gov.ph/taxinfo/ tax_estate. htm



Citizens and resident foreigners are allowed the following deductions, aside from the expenses and taxes related to the property as well as the surviving spouse's share, before arriving at the taxable estate:
PHP1 Million (US$22,343) standard deduction,
PHP1 Million (US$22,343) for the family home,
PHP200,000 (US$4,469) for funeral expenses, and
PHP500,000 (US$11,172) for medical expenses during one whole year before the testator's death.

Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Dec 29, 2011, 05:44 PM
@ freefront - thanks for the input sir..



I want to invest din sana dito Sunlife kaso yung mga agent na tinext ko hindi naman nagrereply. Merong isang nagreply, pero VUL lang daw yung kini-carry nya and not pure mutual funds. Ire-refer na lang daw ako sa colleague nya, pero until now wala naman akong nare-recieve na text. 
Title: Re: Sun Life Prosperity Funds
Post by: rhipolito on Dec 29, 2011, 06:06 PM
@ freefront - thanks for the input sir..



I want to invest din sana dito Sunlife kaso yung mga agent na tinext ko hindi naman nagrereply. Merong isang nagreply, pero VUL lang daw yung kini-carry nya and not pure mutual funds. Ire-refer na lang daw ako sa colleague nya, pero until now wala naman akong nare-recieve na text. 

 You got PM xyphrus.
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Jan 03, 2012, 02:55 AM
Got your PM sir. Hindi nako makapag-reply, full na po yata yung inbox nyo. Anyway, thanks again sir..
Title: Re: Sun Life Prosperity Funds
Post by: kimerran on Jan 03, 2012, 10:15 AM
Today I discovered a very useful tool when it comes to financial planning. Brought to you by Sun Life Philippines, one of the top investment/insurance company here in the Philippines, the tool helps you choose what kind of product you may want to get to attain your goals such as income protection, health, education, investment, retirement or all of these.

Read more... (http://www.peratbp.com/2012/01/financial-planning-tool-from-sun-life.html)


(http://3.bp.blogspot.com/-UsqGJMzjacI/TwIWb2_lKEI/AAAAAAAAAYo/dccpawBh890/s640/lucy.JPG)

(http://4.bp.blogspot.com/-aakbNobMBnU/TwIXiO1h2lI/AAAAAAAAAY0/ciFm1tR5aJ0/s640/results.JPG)
Title: Re: Sun Life Prosperity Funds
Post by: lupin on Jan 03, 2012, 12:22 PM
Today I discovered a very useful tool when it comes to financial planning. Brought to you by Sun Life Philippines, one of the top investment/insurance company here in the Philippines, the tool helps you choose what kind of product you may want to get to attain your goals such as income protection, health, education, investment, retirement or all of these.

Read more... (http://www.peratbp.com/2012/01/financial-planning-tool-from-sun-life.html)


(http://3.bp.blogspot.com/-UsqGJMzjacI/TwIWb2_lKEI/AAAAAAAAAYo/dccpawBh890/s640/lucy.JPG)

(http://4.bp.blogspot.com/-aakbNobMBnU/TwIXiO1h2lI/AAAAAAAAAY0/ciFm1tR5aJ0/s640/results.JPG)

175K in 5 years, is roughly equivalent to savings 2k/mo for 7% interest compounded annually, not bad if you don't have other choices though.
Title: Re: Sun Life Prosperity Funds
Post by: allanmm13 on Jan 03, 2012, 02:31 PM
175K in 5 years, is roughly equivalent to savings 2k/mo for 7% interest compounded annually, not bad if you don't have other choices though.
You had choices here, http://www.pifa.com.ph/factsfignavps.asp
Just do a comparison in 3-yr, 5-yr to see the performance of the funds.

Note: past performance is never a guarantee of future returns
Title: Re: Sun Life Prosperity Funds
Post by: leonine_zafiro on Jan 12, 2012, 03:49 PM
if you want Sun Life Investments we are Sunlife Financial/Investment Advisor! kindly contact us: 9358000 or 09167962059
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Jan 28, 2012, 03:00 PM
@ freefront - thanks for the input sir..



I want to invest din sana dito Sunlife kaso yung mga agent na tinext ko hindi naman nagrereply. Merong isang nagreply, pero VUL lang daw yung kini-carry nya and not pure mutual funds. Ire-refer na lang daw ako sa colleague nya, pero until now wala naman akong nare-recieve na text. 
Hi! I am sorry ha, pero wala ako narecieved na text from you.. :)
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Feb 20, 2012, 03:40 AM
@ kithe - mam ask ko lang po sana regarding GS Fund and Bond Fund, which among the two ang mas higher ang return based sa history ng Sunlife? And alin sa kanila ang mas less ang risk? TIA..
Title: Re: Sun Life Prosperity Funds
Post by: vgal0579 on Feb 20, 2012, 09:53 PM
am thinking of investing here... Just thinking... :-)
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Feb 25, 2012, 01:22 PM
@ kithe - mam ask ko lang po sana regarding GS Fund and Bond Fund, which among the two ang mas higher ang return based sa history ng Sunlife? And alin sa kanila ang mas less ang risk? TIA..

Based on year on year (YoY) return (as of Feb. 24, 2012), both have the same 13% return.

GS Fund invest mainly in government debt and Bond Fund  invests in government and high-quality corporate debt.

Both funds are low risk.
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Feb 26, 2012, 01:09 AM
Ah, ok. But which of the two (2) you think has much lower risk? Same lang din po ba?
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Feb 26, 2012, 06:58 PM
Sunlife's site shows that both funds have the same risk but the bond fund has a longer time horizon compared to the gs fund so I guess that means the bond fund is riskier overall
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Feb 28, 2012, 05:14 AM
Ah, ok. But which of the two (2) you think has much lower risk? Same lang din po ba?

GS Fund because it is mainly invest in government securities.
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Feb 28, 2012, 08:24 AM
@ mxherr / kithe - i see. Thanks for that information. So if i will be needing the money for 1 year or less, then i guess it is much safer to invest here (GS Fund). Though the return is very low compare to equity, much lesser risk naman. Its really ideal to have a fund/investment for short-term and long-term. Thanks again.. :)
Title: Re: Sun Life Prosperity Funds
Post by: poorbutrich on Jul 31, 2012, 12:11 PM


Hello,

I am new to this site. I am just a simple young professional who seeks for financial freedom. hehe. Nakapagsearch ako and read books about how I can invest and save pero sobrang newbie pa din talaga ako kaya hindi ko sya masyado nagegets. hehe. I am interested to investing in sunlife kasi number 1 sila recently. And I have searched about the 5K minimun sa prosperity fund. Anyone who can enlighten me about it and who can give me suggestions on how I can start on saving and investing?

Thank you very much. Godbless
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Jul 31, 2012, 02:03 PM
@ poorbutrich - you can contact Kithe. She can help you in your financial plans. Send her PM and ask her contact details.
Title: Re: Sun Life Prosperity Funds
Post by: poorbutrich on Aug 02, 2012, 11:10 AM
@ poorbutrich - you can contact Kithe. She can help you in your financial plans. Send her PM and ask her contact details.

noted! Thanks Xyphrus :)
Title: Re: Sun Life Prosperity Funds
Post by: george88 on Aug 02, 2012, 02:34 PM


Hello,

I am new to this site. I am just a simple young professional who seeks for financial freedom. hehe. Nakapagsearch ako and read books about how I can invest and save pero sobrang newbie pa din talaga ako kaya hindi ko sya masyado nagegets. hehe. I am interested to investing in sunlife kasi number 1 sila recently. And I have searched about the 5K minimun sa prosperity fund. Anyone who can enlighten me about it and who can give me suggestions on how I can start on saving and investing?

Thank you very much. Godbless
Meron ka na bang savings? The Rule in Investing is at least you have Emergency or Contingency Fund...
Title: Re: Sun Life Prosperity Funds
Post by: poorbutrich on Aug 02, 2012, 03:26 PM
Meron ka na bang savings? The Rule in Investing is at least you have Emergency or Contingency Fund...

I have savings, it's not yet a big amount of money though. But I am still trying my best to save some more. :)
Title: Re: Sun Life Prosperity Funds
Post by: george88 on Aug 02, 2012, 03:38 PM
I have savings, it's not yet a big amount of money though. But I am still trying my best to save some more. :)

Save 6 times of your monthly salary...Then go back here...
Title: Re: Sun Life Prosperity Funds
Post by: poorbutrich on Aug 02, 2012, 03:47 PM
Save 6 times of your monthly salary...Then go back here...

Thanks. I have not reached that target yet but I'm in the process of brainstorming and finding out more possibilities to reach my goal of financial freedom. :)
Title: Re: Sun Life Prosperity Funds
Post by: george88 on Aug 02, 2012, 03:55 PM
Thanks. I have not reached that target yet but I'm in the process of brainstorming and finding out more possibilities to reach my goal of financial freedom. :)
Yes. just one step at a time...
Savings is important long term and short term. You lost your job you can use it until you find new one or you can use it to start a business. If there's an once opportunity you can grab it immediately. You have emergency financial problem it can ease... It's better than none but of course wag ka mamungad sa pagsasave...
Title: Re: Sun Life Prosperity Funds
Post by: poorbutrich on Aug 02, 2012, 04:17 PM
Yes. just one step at a time...
Savings is important long term and short term. You lost your job you can use it until you find new one or you can use it to start a business. If there's an once opportunity you can grab it immediately. You have emergency financial problem it can ease... It's better than none but of course wag ka mamungad sa pagsasave...

Yes thanks for your helpful advises. I understand that I have to invest my money on something and not just save up. I'm trying to learn about ways on how to make my money grow and not just store it up. Thanks, your insights are indeed helpful. :)
Title: Re: Sun Life Prosperity Funds
Post by: proudtobepinoy on Aug 09, 2012, 07:27 PM
I have a question

Does Sunlife have an online account where you can check your daily NAVps as well as buy and sell shares online?
Title: Re: Sun Life Prosperity Funds
Post by: pmtmember on Aug 09, 2012, 08:18 PM
to check NAVPS yes meron. just google sunlife. I always check there the navps kaysa sa pifa. To buy and sell shares, wala yata.
Title: Re: Sun Life Prosperity Funds
Post by: pinoyinvesting on Aug 09, 2012, 09:38 PM
how does one become a sunlife agenT?
i've seen friends who have this part-time and other full time.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 09, 2012, 10:15 PM
I have a question

Does Sunlife have an online account where you can check your daily NAVps as well as buy and sell shares online?

Here is the link where you can check the NAVPS daily.. Or even the historical navps.. :)

http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds?vgnLocale=en_CA

No, we do not have online transactions to buy or redeem shares..
But you can download the form, deposit your investment in a bank nearest you or thru online to Sunlife account.. Get the validated deposit slip.. And fax it to slamc office..

If you are an investor already, you can register online and check your account online..anytime. :)

If not, you can pm me for more info.. :)

Post Merge: Aug 09, 2012, 10:18 PM
how does one become a sunlife agenT?
i've seen friends who have this part-time and other full time.

Are you interested to become agent? :)
You can pm me for more info.. :)
Title: Re: Sun Life Prosperity Funds
Post by: magpapakayamanako on Aug 09, 2012, 11:55 PM
Here is the link where you can check the NAVPS daily.. Or even the historical navps.. :)

http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds?vgnLocale=en_CA

No, we do not have online transactions to buy or redeem shares..
But you can download the form, deposit your investment in a bank nearest you or thru online to Sunlife account.. Get the validated deposit slip.. And fax it to slamc office..

im currently reading. pero wala po ako naiintindihan how can i earn. or siguro naghahanap po ako ng figures like the dividend payout yearly, fees, etc.

thanks sa clarifications ms.kithe :D
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 10, 2012, 12:09 AM
im currently reading. pero wala po ako naiintindihan how can i earn. or siguro naghahanap po ako ng figures like the dividend payout yearly, fees, etc.

thanks sa clarifications ms.kithe :D

Wala kasi sa site paano magwork or kumita sa MF.. :)

Trabaho namin kasi mga MF rep. yun to explain all the details sa clients.

Pero simple lang, kung may Php10,000 ka to invest at ang navps ay 1 pesos, may 10,000 shares ka na nabili..

After 1 year at naging 1.25 ang navps, fund value mo ay Php12,500

Kumita ka ng 2,500 or 25% return.. :)
Title: Re: Sun Life Prosperity Funds
Post by: magpapakayamanako on Aug 10, 2012, 12:14 AM
Wala kasi sa site paano magwork or kumita sa MF.. :)

Trabaho namin kasi mga MF rep. yun to explain all the details sa clients.

Pero simple lang, kung may Php10,000 ka to invest at ang navps ay 1 pesos, may 10,000 shares ka na nabili..

After 1 year at naging 1.25 ang navps, fund value mo ay Php12,500

Kumita ka ng 2,500 or 25% return.. :)

oh. mas clear ito sa akin. ahaha...ano po ung high risk high reward long term investment sa sun life? equity fund po ba since investments are primarily in shares of stock?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 10, 2012, 12:29 AM
oh. mas clear ito sa akin. ahaha...ano po ung high risk high reward long term investment sa sun life? equity fund po ba since investments are primarily in shares of stock?

Equity funds, like kung makikita mo sa website ng sunlife, as of Aug. 9.. YTD is 19.79%.. YOY is 22.79%.. Mostly ay sa blue chips nakainvest..
Title: Re: Sun Life Prosperity Funds
Post by: magpapakayamanako on Aug 10, 2012, 12:37 AM
Equity funds, like kung makikita mo sa website ng sunlife, as of Aug. 9.. YTD is 19.79%.. YOY is 22.79%.. Mostly ay sa blue chips nakainvest..

thanks po. i'll discuss it with my wife. if we want to personally go into your office. do you have an office near tarlac or pampanga?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 10, 2012, 12:51 AM
Ah sa tarlac ka pala... Pupuntahan ko sana kayo eh.. Sa Bulacan po ako.. Heto po address.. Hanapin niyo na lang po saan malapit sa inyo..

http://www.sunlife.com.ph/philippines/About+us/Where+to+find+us+Metro+Manila?vgnLocale=en_CA

Happy investing!  :welcome:
Title: Re: Sun Life Prosperity Funds
Post by: proudtobepinoy on Aug 10, 2012, 08:35 PM

If you are an investor already, you can register online and check your account online..anytime. :)


I have investments in Sunlife balanced funds
paano ito? saan ako magreregister?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 10, 2012, 08:52 PM
I have investments in Sunlife balanced funds
paano ito? saan ako magreregister?

@ptbp, here is the link..

http://www.sunlife.com.ph/philippines?vgnLocale=en_CA

You will see SUNLINK ONLINE.. Click SIGN IN..

https://apps.sunlife.com.ph/services/sharedsunlink/ss_login.asp

Since you dont have an account yet, click here to register.. Click the I AGREE button.. and fill out the personal registration form.. kung MF lang yung meron kayo sa SunLife, yung Mutual Fund Information lang yung fill up niyo..
Title: Re: Sun Life Prosperity Funds
Post by: amia2631 on Aug 17, 2012, 05:30 PM
meron ako investment sa sunlife, bumili ako ng Abundance Fund last may 21, 2012 pero pagdating ng statement of account ng 2nd qtr. hindi nakasama o naibook, nagemail ako s representative ng sunlife na ung nagaassist na sa akin eh hndi nya ako sinasagot hanggang ngayon, tumawag ako sa sunlife paseo office kung san ako nagplace nitong product na ito ang rason nya sa akin ay kasi daw $700 lang daw ang initial investment ko  dapat daw $1000 kaya hndi naipasok pag nagdagdag daw ako ng $300 tiyaka pa lang ipapasok at ang NAVPS na gagamitin yon ngayon na dw .Sabi ko bakit hndi nyo ako ininform kaagad, kahit na hndi umabot ng $1000 dpat nakapost yang amount na yan. Nagalit ako sinabi ko na ipullout ko na lang ang investment ko, ang sabi niya  teka tawagan ko o magemail ako sa agent mo, pero halimbawa pag ang ginamit na NAVPS yung bili mo nong May 21 hindi mo ba ipupullout na? yan ang tanong niya sa akin,  snagot ko naman  depende . San ba ako pwedeng magreklamo palagay ko kasi ginamit nila ang pera.
Title: Re: Sun Life Prosperity Funds
Post by: decapolis on Aug 17, 2012, 06:11 PM
;) yeah may fault sila sa pag di pag inform sayo pero i think dun ka muna place ng reklamo sa management ng SunLife branch na yon kasi may point din sila AT MAY FAULT ka din dapat aware ka rin sa initial amount. So THIS TIME both of you are at fault. Ayusin mo na lng yan at 'branch level'
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 17, 2012, 09:47 PM
meron ako investment sa sunlife, bumili ako ng Abundance Fund last may 21, 2012 pero pagdating ng statement of account ng 2nd qtr. hindi nakasama o naibook, nagemail ako s representative ng sunlife na ung nagaassist na sa akin eh hndi nya ako sinasagot hanggang ngayon, tumawag ako sa sunlife paseo office kung san ako nagplace nitong product na ito ang rason nya sa akin ay kasi daw $700 lang daw ang initial investment ko  dapat daw $1000 kaya hndi naipasok pag nagdagdag daw ako ng $300 tiyaka pa lang ipapasok at ang NAVPS na gagamitin yon ngayon na dw .Sabi ko bakit hndi nyo ako ininform kaagad, kahit na hndi umabot ng $1000 dpat nakapost yang amount na yan. Nagalit ako sinabi ko na ipullout ko na lang ang investment ko, ang sabi niya  teka tawagan ko o magemail ako sa agent mo, pero halimbawa pag ang ginamit na NAVPS yung bili mo nong May 21 hindi mo ba ipupullout na? yan ang tanong niya sa akin,  snagot ko naman  depende . San ba ako pwedeng magreklamo palagay ko kasi ginamit nila ang pera.

@amia2631, dati ka na ba may mf account? I mean may peso mf account ka na ba? sa agent ka po ba nagbigay ng investment mo na $700.00
Kung May 21 ka pa naginvest, at may lacking requirements, kaagad po iniinform ng SLAMC office ang agent na may kulang na requirements and di nila talaga iprocess ang investment hangang hindi naaayos..
Sa kaso niyo na $700 dollars, initial investment  sa Dollar Abundance or Advantage Fund ay $1,000 so sa counter pa lang po, hindi na tatanggapin yung $700 niyo..
Kung may agent po kayo, kausapin niyo po muna..
Title: Re: Sun Life Prosperity Funds
Post by: decapolis on Aug 17, 2012, 09:55 PM
Ms Kithe ano sagot mo?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 17, 2012, 10:42 PM
@deca, may sagot naman ako ah..
Alam ko di tatanggapin sa Sunlife costumer service yung $700 niya kasi nga kulang..
Baka sa agent siya nagbigay ng $700, pero di ko din tatanggapin yun kasi nga kulang.. Hehe, dapat $1000 yun kasi ang minimum investment.. Sa peso naman, 5,000 pesos lang..
Medyo mahigpit kasi sa SLAMC, di nila iprocess investment ni client once may kulang na requirements or documents..

@amia2631, pm niyo po ako ano ba nangyari.. :)
Title: Re: Sun Life Prosperity Funds
Post by: decapolis on Aug 17, 2012, 10:44 PM
Ah knina kc wla, bka kako n-quote mo lng den accidentally npost
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 17, 2012, 10:46 PM
Hehe.. Tama ka.. Di pa nga ako nagsisimula eh, na enter kagad.. Ayun, edit mode.. :)

Title: Re: Sun Life Prosperity Funds
Post by: amia2631 on Aug 18, 2012, 11:59 AM
@kithe, dati na po ako may mf sa peso 2007 pa, ngyon lng ako nagplace ng dollar at mismo sa counter ng sunlife sa may lepanto paseo ako nagbigay never pa ako nag-abot sa agent basta bibili ako.

@deca, sa wednesday ako pupunta pa, kahapon kc hapon na kaya tumawag  lng ako sa lepanto, at sinabi ko na ipullout ko na lng, total naman hindi nila ipinasok, kaso ung kahera na pinag-abotan ko ng pera na sya ang kausap ko sa telepono kahapon, nong sinabi ko na ipullout ko na lng at hindi na ako maginvest ang sabi nya sa akin teka tawagan ko muna ung agent mo, sabi ko sa kanya bakit kayong dalawa ang naguusap at bakit sau nageemail ang agent ko at hndi man lang makapagemail sa akin,
Title: Re: Sun Life Prosperity Funds
Post by: pmtmember on Aug 18, 2012, 01:16 PM
Wala kasi sa site paano magwork or kumita sa MF.. :)

Trabaho namin kasi mga MF rep. yun to explain all the details sa clients.

Pero simple lang, kung may Php10,000 ka to invest at ang navps ay 1 pesos, may 10,000 shares ka na nabili..

After 1 year at naging 1.25 ang navps, fund value mo ay Php12,500

Kumita ka ng 2,500 or 25% return.. :)

super crystal clear na ito :)
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 18, 2012, 02:34 PM
@kithe, dati na po ako may mf sa peso 2007 pa, ngyon lng ako nagplace ng dollar at mismo sa counter ng sunlife sa may lepanto paseo ako nagbigay never pa ako nag-abot sa agent basta bibili ako.

@deca, sa wednesday ako pupunta pa, kahapon kc hapon na kaya tumawag  lng ako sa lepanto, at sinabi ko na ipullout ko na lng, total naman hindi nila ipinasok, kaso ung kahera na pinag-abotan ko ng pera na sya ang kausap ko sa telepono kahapon, nong sinabi ko na ipullout ko na lng at hindi na ako maginvest ang sabi nya sa akin teka tawagan ko muna ung agent mo, sabi ko sa kanya bakit kayong dalawa ang naguusap at bakit sau nageemail ang agent ko at hndi man lang makapagemail sa akin,

Ah tinanggap pala ng nasa counter yung dollar mo?

Actually, pwede naman wala na yung agent sa usapan niyo, kasi direct ka naman nagpay sa counter..

Pwede mo tawagan din directly ang SLAMC office.. 8499452 or 8499495  kung may narecieved ba sila transaction mo nung May..

Hope maayos ito.. :)
Title: Re: Sun Life Prosperity Funds
Post by: Mikimoto on Aug 18, 2012, 05:02 PM
Hello po! The discussions above about Sunlife Prosperity Funds is very interesting.Please bear with me coz I have some basic questions to ask and this is my very first time to post as I became a new member just  yesterday. For example I already made my 1st investment and everything is already ok, what next step should I be expecting next? Like may acknowlwdgement letter ba or receipt na hahawakan ko?How can I monitor my money? May periodic reports ba ang company na tatanggapinko in andorm of lettet ba or through their website online? Kelangan ko bang galawin o pakialaman ang perako if  I invest it for lets say 5 year term? Like any other deposits, is there a minimum amount to invest inorder to avail insurance nh peramo?Like PDIC insured.Thanks and more power!
Title: Re: Sun Life Prosperity Funds
Post by: amia2631 on Aug 18, 2012, 05:57 PM
@kithe, salamat sa info. tatawag ako sa wednesday sa SALMC, sana maayos nga.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 18, 2012, 07:19 PM
Hello po! The discussions above about Sunlife Prosperity Funds is very interesting.Please bear with me coz I have some basic questions to ask and this is my very first time to post as I became a new member just  yesterday. For example I already made my 1st investment and everything is already ok, what next step should I be expecting next? Like may acknowlwdgement letter ba or receipt na hahawakan ko?How can I monitor my money? May periodic reports ba ang company na tatanggapinko in andorm of lettet ba or through their website online? Kelangan ko bang galawin o pakialaman ang perako if  I invest it for lets say 5 year term? Like any other deposits, is there a minimum amount to invest inorder to avail insurance nh peramo?Like PDIC insured.Thanks and more power!

@mikimoto,
if you have account already.. You will be receiving a text and email confirming of your transaction, ie.. Investment amount, no of shares bought, navps, then you will also receive thru mail your investment confirmation and O.R. (LBC or ToGo), you can monitor your investment thru online by registering your account to Sunlink Online, and you will be receiving quarterly statement of account. Kung ang investment goal mo ay makaipon or may pinaghahandaan ka, like in 5 years gusto mo magkaroon ng 1million pesos, pwede ka mag peso cost averaging sa amount na kaya mo every month, initial investment ay 5,000 at subsequent minimum of 1,000..
HinDi ito covered ng PDIC, sa mf ikaw ay isang shareholder, so para ka na ring nagiinvest sa stocks, kaya lang may fund manager na bahala sa investment niyong mga mf investor..
Ang mf ay para sa gusto na maginvest pero wala pang kaalaman or walang oras sa pagtrade..

Title: Re: Sun Life Prosperity Funds
Post by: decapolis on Aug 18, 2012, 08:45 PM
Well said ;) sasagutin ko sna kaso nkktamad mgtype sa phone
Title: Re: Sun Life Prosperity Funds
Post by: Mikimoto on Aug 18, 2012, 10:24 PM
Thank you so much for the very clear explanation! I appreciate it so much!
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 18, 2012, 11:26 PM
 :welcome:
Title: Re: Sun Life Prosperity Funds
Post by: amia2631 on Aug 23, 2012, 12:07 PM
hay salamat naayos na rin ang problema ko pinaprocess na nila ung $700.00 kaya lang makukuha ko pa after 5 days kc ang processing daw ay 5 days, humingi sila ng pasensya na  hindi ako nainform at pinapangako nila na hindi na mauulit ang mga sitwasyon na ganito.
Title: Re: Sun Life Prosperity Funds
Post by: decapolis on Aug 23, 2012, 12:14 PM
Yipee ;)

Ako i can forgive the lapse pero yung inconvenience ang di ko mkklimutan hehe.
Title: Re: Sun Life Prosperity Funds
Post by: totscalilari on Aug 23, 2012, 12:44 PM
may investment ako in both sunlife and fami mutual fund... pansin ko mababa yung returns ng sunlife compared to other mutual funds... should i transfer my funds?? somebody once told me na hindi high returns ang sukatan ng magaling na fund manager.. dapat daw kaya ng good returns or minimal ung baba even if the economy is down..
Title: Re: Sun Life Prosperity Funds
Post by: BatmanBeyond on Aug 23, 2012, 01:23 PM
may investment ako in both sunlife and fami mutual fund... pansin ko mababa yung returns ng sunlife compared to other mutual funds... should i transfer my funds?? somebody once told me na hindi high returns ang sukatan ng magaling na fund manager.. dapat daw kaya ng good returns or minimal ung baba even if the economy is down..
You must ask yourself. Why in the first place did you choose Sunlife? If it does not achieve your expectations, then you may redeem and transfer it to another. Take note also if there are exit fees. Considering the early stage of bull run in the economy, there is still a lot of room to grow and exceed your expectations.
Title: Re: Sun Life Prosperity Funds
Post by: sphinxz on Aug 23, 2012, 01:27 PM
@totscalilari
i believe mejo conservative din ang sunlife in terms of equity as compared sa ibang MF equities. pero naexperience ko rin na kung malaki ang binababa ng ibang MF, sa sunlife maliit lang. nasa sayo pa rin kung anong trip mo na style ng MF.
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Aug 24, 2012, 02:12 PM
Yes, that's what I've discovered as well.
Sunlife I think is more conservative, and it reflects in its performance
but you can also see it in action during a bear market when it doesn't
loose as much compared to other funds.

FAMI, as far as I can recall, kicked ass during bull markets and held
its own during the 2008 crisis.

If memory serves me right,FAMI's equity was doing great before the
crisis struck. Then suddenly its performance stalled.
I remember people complaining about how the fund managers were
on a vacation or something because the fund wasn't moving.

I guess they were busy moving out of their positions because it
didn't go down as much as other funds did.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Aug 24, 2012, 05:07 PM
may investment ako in both sunlife and fami mutual fund... pansin ko mababa yung returns ng sunlife compared to other mutual funds... should i transfer my funds?? somebody once told me na hindi high returns ang sukatan ng magaling na fund manager.. dapat daw kaya ng good returns or minimal ung baba even if the economy is down..

Nakita ko din ang return ng fami, lagi nga siya sa top performer, pero try to see kung ano ang fund portfolio nila, mostly kasi sa Sunlife ay bluechips stocks and hindi 100% ng fund ay nakalagay lahat.. Conservative talaga ang Sun Life pagdating sa pag invest, may point yung nagsabi sa iyo na hindi lang high returns ang sukatan na magaling na ang fund managers or yung mf company, kundi kung paano din pag bagsak ang market, and pwede din po reason is mas malaki ang minamanaged na funds ni SunLife kaysa ibang MF companies..

If you are interested, I can email to you the Fund Facts Sheet of Sun Life Prosperity Funds.. :)


Title: Re: Sun Life Prosperity Funds
Post by: pmtmember on Aug 24, 2012, 08:00 PM
as for me I will just keep my sunlife and my fami. better na yon na naka diversify
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Aug 26, 2012, 08:57 PM
Nakita ko din ang return ng fami, lagi nga siya sa top performer, pero try to see kung ano ang fund portfolio nila, mostly kasi sa Sunlife ay bluechips stocks and hindi 100% ng fund ay nakalagay lahat.. Conservative talaga ang Sun Life pagdating sa pag invest, may point yung nagsabi sa iyo na hindi lang high returns ang sukatan na magaling na ang fund managers or yung mf company, kundi kung paano din pag bagsak ang market, and pwede din po reason is mas malaki ang minamanaged na funds ni SunLife kaysa ibang MF companies..


I agree with your first statement, a fund can have higher returns
but took more risk to get those returns.

That's why there's something called a Sharpe ratio(ata) that
attempts to measure this.

But you completely just glossed over my reply and implied
that FAMI has bigger returns but took on more risks and that's
why it has better returns.

I said that FAMI held itself better than Sunlife during the 2008
crisis though.

To verify I checked pifa.com.ph.
Quicken tells me the lowest point for PSEi was in 11/21/2008

pifa.com says
Ave 3 years
FAMI +7.71%
Sunlife +1.09%

Ave 1 year
FAMI -31.58%
Sunlife -38.84%

Year to Date
FAMI -33.27%
Sunlife 39.93%

So, basically while Sunlife was being more conservative,
it actually lost more compared to FAMI.
That to me means, the guy at the helm is just a lot better
or maybe luckier than the guy in Sunlife.

You also have a point there on your 2nd statement.
Sunlife Equity is a lot bigger than FAMI's equity and its a lot
more difficult to steer.

But FAMI definitely is better than Sunlife when it comes
to performance.
Now if they just get rid of the sales load I'd be willing to
turn a blind eye to the bulok infrastructure and after sales support. lol
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 10:50 AM
nalulugi na yung Sunlife kaya nga sya nag-merge sa Grepalife eh...wag na kayo maginvest sa Sunlife, matutulog lang ang pera ninyo
Title: Re: Sun Life Prosperity Funds
Post by: BatmanBeyond on Oct 20, 2012, 11:23 AM
nalulugi na yung Sunlife kaya nga sya nag-merge sa Grepalife eh...wag na kayo maginvest sa Sunlife, matutulog lang ang pera ninyo
Can you provide proofs for these things Bro?
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 11:31 AM
Can you provide proofs for these things Bro?

go to website pse.com.ph and check sunlife's financial report..
Sa AXA, bakit "Financial Advisor" ang tawag sa yo? How can you give "sound financial advise" sa client mo na mas financially stable(mas mapera) pa kesa sa iyo? it should be the other way around di ba? You should use "Insurance Agent" and not "Financial Advisor" kasi misleading eh...
Title: Re: Sun Life Prosperity Funds
Post by: BatmanBeyond on Oct 20, 2012, 12:42 PM
go to website pse.com.ph and check sunlife's financial report..
Sa AXA, bakit "Financial Advisor" ang tawag sa yo? How can you give "sound financial advise" sa client mo na mas financially stable(mas mapera) pa kesa sa iyo? it should be the other way around di ba? You should use "Insurance Agent" and not "Financial Advisor" kasi misleading eh...
Being "mapera" doesn't mean that you no longer need an advise. Does it mean that you will not listen to insurance agents knowing that he is less stable financially?

Anyway, it seems like may galit ka sa Sunlife. Your post on this thread is just the same with the other Sunlife thread.

Care to share why?
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 01:03 PM
Anyway, it seems like may galit ka sa Sunlife. Your post on this thread is just the same with the other Sunlife thread.

Care to share why?

the question is why would you call yourself "Financial Advisor" instead of Insurance Agent? Whats wrong with being an "agent"??  giving financial advise is different from selling an insurance product di ba?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Oct 20, 2012, 01:05 PM
nalulugi na yung Sunlife kaya nga sya nag-merge sa Grepalife eh...wag na kayo maginvest sa Sunlife, matutulog lang ang pera ninyo

@rotschild, para matigil ka sa kasasalita mo ng di ka naman sure kung totoo ba, eto basahin mo..

Sun Life Grepa Financial, Inc. (SLGFI) is a joint venture company borne out of a partnership between the Yuchengco Group of Companies (YGC) and Sun Life Financial – Philippines. The joint venture agreement involves Sun Life’s acquisition of 49% of Grepalife, the flagship life insurance firm of the YGC. Grepalife was established in 1954, and has evolved to be among the top 10 life insurers in the country. Sun Life Financial on the other hand, is a leading life insurance company in the Philippines that has been operating in the country for over 117 years.

As a union of two strong brands, Sun Life Grepa Financial, Inc. aims to leverage the strengths of both Sun Life Financial and Grepalife, and to continue its mission to be a leading provider of protection and wealth management products. Sun Life Grepa Financial operates as a separate entity from Sun Life Financial - Philippines.

Sun Life’s acquisition also allows SLGFI to enter into an exclusive cooperation agreement with Rizal Commercial Banking Corporation (RCBC), enabling it to gain access to the bank’s extensive sales network of over 350 branches and over 2.5 million customers nationwide.

SLGFI currently distributes its products through bancassurance, a tied agency force, as well as dedicated group consultants and work-site marketing team. The company continues to invest and grow its multiple business lines and distribution channels and aims to be among the top tier insurers in the Philippines.

In achieving this business objective, SLGFI has identified four key strategies: offering innovative products and competitive value proposition to its clients; growing the distribution and enhancing its reach; improving product delivery capabilities; and establishing operational efficiency.
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 01:12 PM
@rotschild, para matigil ka sa kasasalita mo ng di ka naman sure kung totoo ba, eto basahin mo..

hehehe..naku meron na naman ako na-offend... ang dalawang business entity kapag nag merge or joint-venture ibig sabihin nun ay mag-share ng resources (e.g. office, personnel etc.) .. in short para makatipid.. ano ba ang dahilan kaya nagtitipid? di ba kasi nalulugi?? ask yourself, tinaasan ba ng Sunlife ang sweldo mo? sigurado hindi..nagbabawas pa nga ng tao eh...
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Oct 20, 2012, 01:19 PM
di naman ako naoffend, may mali lang kasi sa nasagap mo na tsismis, sana inalam mo muna kung itoy totoo or hindi..

Di naman lahat ng nag joint venture ibig sabihin ay nalulugi na at para makatipid..  :watchuthink:
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 01:23 PM
Di naman lahat ng nag joint venture ibig sabihin ay nalulugi na at para makatipid..  :watchuthink:

punta ka sa main office nyo and ask your Chief Financial Officer (CFO) and ask him the purpose of a joint-venture... I advise you to look for a different career...later in life you will thank me...
Title: Re: Sun Life Prosperity Funds
Post by: BatmanBeyond on Oct 20, 2012, 01:25 PM
the question is why would you call yourself "Financial Advisor" instead of Insurance Agent? Whats wrong with being an "agent"??  giving financial advise is different from selling an insurance product di ba?
There's nothing wrong being an agent. Financial advisors are still agents who give better financial advice but are not pushing their products to clients.

I do not push AXA's products. I just wanted to share what I've learned to those who needed it the most. I just wanted to help, that's it! So better not be closed-minded and generalize immediately without any concrete evidences. Instead, let us help each other for the betterment of everyone.

Hope I make sense.
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 01:35 PM
So better not be closed-minded and generalize immediately without any concrete evidences.
Hope I make sense.

ok maging open minded tayo and make some exercises..

1) If you (ikaw) have extra cash today, say 1Million pesos..will you put everything in AXA products? kasi kung maganda talaga yan , you will not hesitate betting your 1M di ba?

2) Kung meron ka client na bumili ng AXA products 5 years ago, i-access mo sa computer mo sa branch, kung sakaling ibebenta ay magkano na yung investment nya TODAY.. you will be surprised na after 5 years ay bagsak yung investment nya...
Title: Re: Sun Life Prosperity Funds
Post by: BatmanBeyond on Oct 20, 2012, 01:41 PM
ok maging open minded tayo and make some exercises..

1) If you (ikaw) have extra cash today, say 1Million pesos..will you put everything in AXA products? kasi kung maganda talaga yan , you will not hesitate betting your 1M di ba?

2) Kung meron ka client na bumili ng AXA products 5 years ago, i-access mo sa computer mo sa branch, kung sakaling ibebenta ay magkano na yung investment nya TODAY.. you will be surprised na after 5 years ay bagsak yung investment nya...
We may create a new thread and discuss everything under the sun like the one you posted. We are getting out of topic already. Remember to respect everyone here. Each thread has its titles and discussions should be relevant to the topic.

We may exchange PMs if you like.
Title: Re: Sun Life Prosperity Funds
Post by: Rothschild on Oct 20, 2012, 01:49 PM
We may create a new thread and discuss everything under the sun like the one you posted. We are getting out of topic already. Remember to respect everyone here. Each thread has its titles and discussions should be relevant to the topic.

We may exchange PMs if you like.

ayan inilipat ko na dito sa AXA's Locked and Loaded

 http://www.pinoymoneytalk.com/forum/index.php?topic=15398.new#new
Title: Re: Sun Life Prosperity Funds
Post by: madfedaykin on Nov 08, 2012, 02:40 AM
Can I fund my Sun Life MFs through the online fund transfer facility of my bank (BDO Online)? I would like to be able to schedule (monthly or quarterly) online money transfers from my bank account to my Sun Life MFs.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Nov 08, 2012, 09:15 AM
Can I fund my Sun Life MFs through the online fund transfer facility of my bank (BDO Online)? I would like to be able to schedule (monthly or quarterly) online money transfers from my bank account to my Sun Life MFs.

You can do fund transfer for BDO account of SLAMC, but you have to FAX the deposit slip or transaction slip (pls indicate your name and your mf account no.) and the subsequent order ticket to the SLAMC office..
You can print the order ticket and the details are here..
http://www.sunlife.com.ph/static/philippines/Products%20and%20Services/Mutual%20Funds/Static%20Files/Order%20Ticket%20(Subsequent).pdf (http://www.sunlife.com.ph/static/philippines/Products%20and%20Services/Mutual%20Funds/Static%20Files/Order%20Ticket%20(Subsequent).pdf)
Title: Re: Sun Life Prosperity Funds
Post by: madfedaykin on Nov 08, 2012, 12:09 PM
Thanks kithe. Can I forward the email confirmation of the fund transfer instead? Faxing will be a big hassle for me. There's no more fax machines at work. I have to go out and look for a business center to do that. Or better yet, is there a way that I don't need to send confirmation information just like how I can fund my PAMI MFs through BPI Express Online. BPI sends the information of the transaction/deposit to PAMI for me. I was hoping that I could schedule monthly automatic fund transfers in BDO Online to my Sun Life MFs and forget all about them until I'm ready to redeem the funds (about 20 years from now). :)

You can do fund transfer for BDO account of SLAMC, but you have to FAX the deposit slip or transaction slip (pls indicate your name and your mf account no.) and the subsequent order ticket to the SLAMC office..
You can print the order ticket and the details are here..
http://www.sunlife.com.ph/static/philippines/Products%20and%20Services/Mutual%20Funds/Static%20Files/Order%20Ticket%20(Subsequent).pdf (http://www.sunlife.com.ph/static/philippines/Products%20and%20Services/Mutual%20Funds/Static%20Files/Order%20Ticket%20(Subsequent).pdf)

Title: Re: Sun Life Prosperity Funds
Post by: kithe on Nov 08, 2012, 12:23 PM
^wala pa kasi kami online transactions with our mutual fund, only with our insurance products pa lang.

Yan din ang gusto ng mga clients ko, lalo na they are working abroad or katulad din ng situation mo na wala available fax machine..

With the case of my clients who always want to add investment, they scan the order ticket and the deposit slip or transaction slip, and email them to me and I fax it to our office.. Ayun okay naman..
Title: Re: Sun Life Prosperity Funds
Post by: Kat978 on Nov 14, 2012, 05:42 PM
I topped up my Sun Life Balanced Fund today via check deposit to their BPI account. The thing is, I didn't realize that their office is not in Enterprise Tower 2 na pala. That's still the address indicated in the order ticket kasi so I went all the way to Enterprise today only to find out that they're no longer there. Sana naman they update the info on their MF forms para hindi misleading.Now I have to go to their Bonifacio Global City office to submit the deposit slip and order ticket. Ang hassle lang :/
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Nov 15, 2012, 01:10 AM
I topped up my Sun Life Balanced Fund today via check deposit to their BPI account. The thing is, I didn't realize that their office is not in Enterprise Tower 2 na pala. That's still the address indicated in the order ticket kasi so I went all the way to Enterprise today only to find out that they're no longer there. Sana naman they update the info on their MF forms para hindi misleading.Now I have to go to their Bonifacio Global City office to submit the deposit slip and order ticket. Ang hassle lang :/

:imsorry: to hear that.. last November 2011 pa lumipat ang Head Office ng SunLife sa BGC, and we give flyers about moving in to the new bldg, but we have customer centers if you are in Makati area, you can submit your documents there, here are the address;

ACE Customer Center
2/F, ACE Building, 101-103 Rada Street
corner dela Rosa Street, Legaspi Village,
Makati City.
Tel. No. (632) 750-1056

Philcox Customer Center
6/F Philcox Bldg., 172 Salcedo St. Legaspi Village, Makati City
Tel. No. (632) 818-2400

Lepanto Customer Center
2nd Floor Lepanto Building, 8747 Paseo De Roxas, Makati City
Tel. No. (632) 813-7229

Or you can FAX the Subsequent Order Ticket and the validated deposit slip to SLAMC, fax number is (632) 849-9744 or 849-9740.

For other Sun Life Offices in the Philippines, you can check it here:
http://www.sunlife.com.ph/philippines/About+us/Where+to+find+us+Metro+Manila?vgnLocale=en_CA (http://www.sunlife.com.ph/philippines/About+us/Where+to+find+us+Metro+Manila?vgnLocale=en_CA)





Title: Re: Sun Life Prosperity Funds
Post by: Kat978 on Nov 15, 2012, 07:24 AM
Thanks Kithe! I work in Makati so I will try to drop by your office at BGC or one of the other Makati offices tomorrow. I don't have access to a fax machine, but I emailed a scan of the order ticket and validated BPI deposit slip to phil_prosperity@sunlife.com. I will still submit the original forms by this week.

After submission of the documents, will Sun Life send me a confirmation letter so I'll know how much shares I got?
Title: Re: Sun Life Prosperity Funds
Post by: Estranghero on Nov 22, 2012, 04:04 AM
Hi Im newbie here,how could I make an online account of my Sunlife MF,2 weeks ago I open it.
Is anyone can help me.Thnx in advance
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Nov 22, 2012, 09:14 AM
Hi Im newbie here,how could I make an online account of my Sunlife MF,2 weeks ago I open it.
Is anyone can help me.Thnx in advance

Hi..
If you have not yet enrolled your account, Please register your account here ..
https://apps.sunlife.com.ph/services/sharedsunlink/ss_login.asp (https://apps.sunlife.com.ph/services/sharedsunlink/ss_login.asp)

You will receive an email from Sunlife.. :)
Title: Re: Sun Life Prosperity Funds
Post by: stan12 on Nov 24, 2012, 07:14 PM
guys i'm new here, gusto ko lang sana mag invest sa sunlife and would like to know more about their products. Any sunlife advisor here that can help me? thanks in advance! :)

@kithe: nag pm ako sayo :D
Title: Re: Sun Life Prosperity Funds
Post by: Estranghero on Mar 01, 2013, 12:25 PM
@ kithe :Thnx po I have just my MF account online

But something bother me:

1st: Is it possible to have additional investment thru online transaction? If YES, How would it be..

2nd:Im planning to open a Balanced Fund,Is it good to have another investment company or just stick to my current MF company.

Can anybody share there ideas/opinions here...

TIA.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Mar 01, 2013, 12:55 PM
Hi, sir Estranghero..

Wala pa kami online transaction eh, facsimile pa lang or thru fax.

if you are here in the Phils..Just print he order ticket (subsequent) together with your validated deposit slip of your Bank of choice under SLAMCI account and fax it to 8499744 or 8499740.

For the 2nd question, YES you can have another fund/s (balanced, bond, gs, dollar funds) since you have an account already, just fill up subsequent order ticket and just put which fund you want to invest.. :)
Title: Re: Sun Life Prosperity Funds
Post by: sphinxz on Mar 02, 2013, 11:39 PM
suggest ko lang :) for those na walang fax, or walang scanner, picture-an nyo na lang gamit ang mga high tech na mga phones ngayon then email to sunlife or your agent. mas maganda pa ang resolution kesa fax. wala pang long distance call (if applicable) :D haven't tried it though in my investments. :p

Ms kithe, may balibalita or updates na ba sa automatic debit arrangement for sunlife MFs? i think applicable lang yun currently sa inyong mga affiliated personnel sa kanila diba? baka pwedeng iextend din sa clients :D
Title: Re: Sun Life Prosperity Funds
Post by: nicoli26 on Mar 12, 2013, 09:50 AM
Hello guys.. Newbie here.. First time ko mag iinvest and maliit lang kaya ko.. Friendly ba sunlife lalo na sa mga newbie?  Nahihiya kasi ako pumunta sa main office nila kaya sa online ako tumitingin..
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Mar 12, 2013, 01:27 PM
I-email mo nalang sir. Tas i-aassignan kayo ng agent.
I emailed them back when I was only 22 ata and respectful
naman sila.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Mar 12, 2013, 04:33 PM
Hello guys.. Newbie here.. First time ko mag iinvest and maliit lang kaya ko.. Friendly ba sunlife lalo na sa mga newbie?  Nahihiya kasi ako pumunta sa main office nila kaya sa online ako tumitingin..

Hello nicoli,, oo naman mababait kami..  :hihi:

Madami naman kami financial store located around the metro.. Saan ka ba located..

You can pm me if you want to know more about Sun Life.. :)
Title: Re: Sun Life Prosperity Funds
Post by: nicoli26 on Mar 13, 2013, 12:36 AM
Hello nicoli,, oo naman mababait kami..  :hihi:

Madami naman kami financial store located around the metro.. Saan ka ba located..

You can pm me if you want to know more about Sun Life.. :)

hi Kithe.. Sa Makati po ako located.. Other side of Makati, hehe.. Dito ako malapit sa Taguig.. I'll send you pm, hopefully matulungan mo ako. :)

Edit: Mam, hindi ko kayo ma send ng PM, inbox full na.. Anyways, pwede malaman what are the requirements and additional benefits sa SunLife? Prefer ko yung equity fund..
Title: Re: Sun Life Prosperity Funds
Post by: milag on Apr 01, 2013, 12:29 PM
Hello nicoli,, oo naman mababait kami..  :hihi:

Madami naman kami financial store located around the metro.. Saan ka ba located..

You can pm me if you want to know more about Sun Life.. :)

hi kithe! i tried sending you PM too but your inbox is full. can you also please inform me about sunlife prosperity fund? thanks so much!
Title: Re: Sun Life Prosperity Funds
Post by: nicoli26 on Apr 02, 2013, 11:08 AM
I decided to invest na sa BPI, tagal din kasi mag reply ng sunlife thru email. Hindi ko naman sila ma reach thru landline
Title: Re: Sun Life Prosperity Funds
Post by: wannaberich on Apr 16, 2013, 04:09 PM
Ilang percent po ba yung entry fee and exit fee ng mutual fund ng Sunlife?
Wala po kasing nakalagay sa website.
Title: Re: Sun Life Prosperity Funds
Post by: sphinxz on Apr 16, 2013, 05:09 PM
you may check here the sales loads.
http://apps.sunlife.com.ph/faq/faq_mf.asp (http://apps.sunlife.com.ph/faq/faq_mf.asp)
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 16, 2013, 08:53 PM
Sa mga gusto po maginquire regarding Sun Life Mutual Funds, here is my email address, napupuno po kasi inbox ko.. Libre lang po magtanong..

cristina.ortiz@sunlife.com.ph

Ilang percent po ba yung entry fee and exit fee ng mutual fund ng Sunlife?
Wala po kasing nakalagay sa website.

Pwede ka magchoose kung anong sales load ang gusto mo,

OPTION A or front end load, babawasan ka kaagad ng sales load sa investment amount mo, walang holding period ito, pwede ka magwithdraw kung kailan mo gusto na wala ka ng sales load or charges..
P5,000 - 99,999.00 -- 2.24% (inclusive of 12% vat)
P100,000 - 999,999.00 -- 1.68%
P1M - 5M -- 1.12%

OPTION B or back end load, walang charges sa investment mo, lahat ay ibibili ng shares, pero nakahold for 5 years ang investment mo..
Pero kung gusto mo iwithdraw pwede naman, kaya lang dun ka babawasan ng charges, depende kung how much at kailan ka magwiwithdraw.
yr -- % of sales load (exit fee)
1  -- 5.6 %
2  -- 4.48 %
3  -- 3.36 %
4  -- 2.24 %
5  -- 1.12 %
6  -- 0 %


Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Apr 18, 2013, 05:18 AM
Ask ko lang kung pwede din ba mag-additional (subsequent investment) dito sa Sunlife by depositing to a bank, and then scan na lang yung deposit slip, tapos email sa Sunlife? Possible ba yung ganun? Ang alam ko lang kase dati thru fax eh. TIA..
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 18, 2013, 08:49 AM
@xyphrus, thru fax lang kung diretso sa Sun Life, order ticket and validated deposit slip, and dapat naka enroll ka sa facsimile transaction..

Pero kung wala kang fax machine, pwede mo scan order ticket and deposit slip and email sa agent mo, then agent na lang magsubmit sa SunLife.
Title: Re: Sun Life Prosperity Funds
Post by: smasayuki on Apr 18, 2013, 10:42 AM
^^ay hindi pede directly email? mendokusai..

Pano kung mag-aabroad?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 18, 2013, 10:49 AM
^ganun din, scan the docs and email it to your agent, agent na lang mag submit sa Sun Life.. :)
Title: Re: Sun Life Prosperity Funds
Post by: jjalfonso1 on Apr 18, 2013, 12:51 PM
kithe,

What are the annual expenses for the mutual funds?

Thanks.
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 18, 2013, 03:07 PM
Base sa balance sheet po, sorry di ko masyado kabisado.. Pero ito po ay sa whole funds ng sunlife.. Operating expenses po like, investment management fees, taxes and licenses, custodian fees, prefessional fees, directors fees, printing and supplies, etc..

Pero as a shareholder, pwede kayo makakuha ng copy ng financial statement and pwede din kayo umattend ng annual shareholders meeting..  :)
Title: Re: Sun Life Prosperity Funds
Post by: bauer on Apr 18, 2013, 03:10 PM
just received my statement of account from sunlife balanced fund.  so far it's doing great from a NAVPS of 1.0 to almost 4 in 12 years plus.
Title: Re: Sun Life Prosperity Funds
Post by: jjalfonso1 on Apr 20, 2013, 07:21 AM
Base sa balance sheet po, sorry di ko masyado kabisado.. Pero ito po ay sa whole funds ng sunlife.. Operating expenses po like, investment management fees, taxes and licenses, custodian fees, prefessional fees, directors fees, printing and supplies, etc..

Pero as a shareholder, pwede kayo makakuha ng copy ng financial statement and pwede din kayo umattend ng annual shareholders meeting..  :)

Do you know what the investment management fees are?
Title: Re: Sun Life Prosperity Funds
Post by: mxherr5 on Apr 20, 2013, 09:57 AM
last time I checked
2% for equity
and 1.5% for the bond funds
and 1.75% I think for the balanced funds

You can always check the prospectus naman eh and its
online
Title: Re: Sun Life Prosperity Funds
Post by: el_cid6549 on Apr 20, 2013, 04:08 PM
Sa mga gusto po maginquire regarding Sun Life Mutual Funds, here is my email address, napupuno po kasi inbox ko.. Libre lang po magtanong..

cristina.ortiz@sunlife.com.ph

Pwede ka magchoose kung anong sales load ang gusto mo,

OPTION A or front end load, babawasan ka kaagad ng sales load sa investment amount mo, walang holding period ito, pwede ka magwithdraw kung kailan mo gusto na wala ka ng sales load or charges..
P5,000 - 99,999.00 -- 2.24% (inclusive of 12% vat)
P100,000 - 999,999.00 -- 1.68%
P1M - 5M -- 1.12%

OPTION B or back end load, walang charges sa investment mo, lahat ay ibibili ng shares, pero nakahold for 5 years ang investment mo..
Pero kung gusto mo iwithdraw pwede naman, kaya lang dun ka babawasan ng charges, depende kung how much at kailan ka magwiwithdraw.
yr -- % of sales load (exit fee)
1  -- 5.6 %
2  -- 4.48 %
3  -- 3.36 %
4  -- 2.24 %
5  -- 1.12 %
6  -- 0 %



Interested to open a Sun Life Prosperity Balanced Fund. Paano po ba makapag open ng account kung OFW?
Title: Re: Sun Life Prosperity Funds
Post by: CrimsonSky on Apr 21, 2013, 09:42 PM
For the Option B, is transferring of investments from one fund to another considered as a breach of the holding period, hence subject to back-end charges?
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Apr 22, 2013, 04:51 AM
@xyphrus, thru fax lang kung diretso sa Sun Life, order ticket and validated deposit slip, and dapat naka enroll ka sa facsimile transaction..

Pero kung wala kang fax machine, pwede mo scan order ticket and deposit slip and email sa agent mo, then agent na lang magsubmit sa SunLife.

Paano po mag-enroll sa facsimile transaction? And paano yung sa order ticket? Baka po may link kayo dyan ng step by step. Dun ko na lang siguro pag-aralan.

Thru fax na lang din siguro ang gagawin ko. Medyo dyahe naman kase kung ipapa-daan pa sa agent every time may subsequent investment. I hope in the future magkaroon din ang Sunlife na i-scan na lang yung deposit slip, and then email sa kanila. Yung iba kaseng mga mutual fund companies ganun lang ang procedure eh.
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Apr 22, 2013, 05:31 AM
^toxic ang procedure ng sunlife. Yung order ticket nila, 3 copies na full pages.Kailanagng padaanin sa agent kasi kailangan ng signature nila tsaka ng provisional receipt. Kaya ang mangyayari, yung mga pre-signed na order tickets will be in the safekeeping of your investment solicitor. Ikaw ang magse-send ng proof of deposit sa agent mo para she can forward these 3 sa sunlife: order ticket, provisional receipt and deposit slip, either by email or fax.

Kasama sa investment packet yung enrollment to MF services like fax transactions and auto-credit to your enrolled bank account and email notifications. Or you can sign a limited trading agreement form. Your agent gets to sign the order form for you for every additional investment you add. If you are doing peso cost averaging, methinks that's the least bothersome way.

Pero kung feeling momentum trader ka at feel mo lang mahipo kung ano ang 3 percent gain ng 5M mo sa loob ng isang linggo, total libre naman ang unang 4 na talon, full trading agreement ang pirmahan mo. Meron syang full authority to manage your moolah. #take note- kunin ang buong pangalan at adress ng agent, asawa, anak at magulang pati ng kanyang mga aso  :hihi:
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 22, 2013, 08:01 AM
For the Option B, is transferring of investments from one fund to another considered as a breach of the holding period, hence subject to back-end charges?

No, you can change fund 4 times in  year, even you are in option B. :)
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 22, 2013, 08:17 AM
^toxic ang procedure ng sunlife. Yung order ticket nila, 3 copies na full pages.Kailanagng padaanin sa agent kasi kailangan ng signature nila tsaka ng provisional receipt. Kaya ang mangyayari, yung mga pre-signed na order tickets will be in the safekeeping of your investment solicitor. Ikaw ang magse-send ng proof of deposit sa agent mo para she can forward these 3 sa sunlife: order ticket, provisional receipt and deposit slip, either by email or fax.

Kasama sa investment packet yung enrollment to MF services like fax transactions and auto-credit to your enrolled bank account and email notifications. Or you can sign a limited trading agreement form. Your agent gets to sign the order form for you for every additional investment you add. If you are doing peso cost averaging, methinks that's the least bothersome way.

Pero kung feeling momentum trader ka at feel mo lang mahipo kung ano ang 3 percent gain ng 5M mo sa loob ng isang linggo, total libre naman ang unang 4 na talon, full trading agreement ang pirmahan mo. Meron syang full authority to manage your moolah. #take note- kunin ang buong pangalan at adress ng agent, asawa, anak at magulang pati ng kanyang mga aso  :hihi:

@ freefront

If you are ENROLLED or submitted the form enrollment to MF services like facsimile transaction, receiving statement of account via email then NO NEED THE AGENT'S SIGNATURE.  You can directly fax the order ticket to SLAMC and the validated deposit slip if subsequent investment, if Redemption naman, ganun din, you can redeem or withdraw your funds if you need to, just fax the redemption order ticket, just put the name of your bank and bank account number, then they will deposit it to your account..

Here's the link for the forms

http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Downloadable+Forms?vgnLocale=en_CA (http://www.sunlife.com.ph/philippines/Products+and+Services/Mutual+funds/Downloadable+Forms?vgnLocale=en_CA)
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Apr 22, 2013, 10:16 PM
Since when? Don't need the provisional receipt anymore? That's nice. Less work....
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 23, 2013, 08:28 AM
Since when? Don't need the provisional receipt anymore? That's nice. Less work....

Matagal na, basta nagsubmit ka ng Enrollment to MF services form or yung agent mo. Nagbibigay lang ng provisional receipt kung sa agent ka nagpay, and agent ang magremit, pero kung sa bank, validated deposit slip lang and the order ticket.
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Apr 25, 2013, 04:44 AM
@ Kithe

1. Anu ang procedure kung magbabayad ako mismo sa Sunlife office (Ace Building)? Mas madali ba ang subsequent deposit pag ganun? Bayad lang ba and then ok na?

2. Yung form ng Enrollment To Mutual Fund Services, after ba i-fill out yung form na yun kelangan i-submit directly sa office nyo or pwede na thru email/fax?

3. Kapag enrolled nako sa MF services, automatic ba na hindi nako makaka-received ng quarterly SOA? If YES, pwede pa rin ba mag-request nun?

4. And lastly, yung sa Order Ticket for Subsequent Investment talaga bang 2 pages ang kelangang i-submit or kahit yung unang page lang?

Thanks!

BTW, yung address ng mga form sa link na binigay mo is outdated na yata. Sa Enterprise pa kase yung nakalagay na head office eh..

Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 25, 2013, 07:08 AM
@ Kithe

1. Anu ang procedure kung magbabayad ako mismo sa Sunlife office (Ace Building)? Mas madali ba ang subsequent deposit pag ganun? Bayad lang ba and then ok na?

2. Yung form ng Enrollment To Mutual Fund Services, after ba i-fill out yung form na yun kelangan i-submit directly sa office nyo or pwede na thru email/fax?

3. Kapag enrolled nako sa MF services, automatic ba na hindi nako makaka-received ng quarterly SOA? If YES, pwede pa rin ba mag-request nun?

4. And lastly, yung sa Order Ticket for Subsequent Investment talaga bang 2 pages ang kelangang i-submit or kahit yung unang page lang?

Thanks!

BTW, yung address ng mga form sa link na binigay mo is outdated na yata. Sa Enterprise pa kase yung nakalagay na head office eh..



1. Magsubmit ka din ng subsequent form and yung payment mo and wait na lang ng confirmation sa Sunlife thru email or text.

2. pwede na thru fax or kung gusto mo din sa any sunlife office para sigurado ka.

3. may choice kasi dun na via email na lang yung soa mo, pero kung gusto mo pa din yung hard copy, wag mo icheck yun.

4. Yung first page lang kasi yung 2nd page is the list of banks lang naman.

*Okay lang kahit  yun pa din ang address, di pa lang nabago sa website. They will honor naman yun. :)
Title: Re: Sun Life Prosperity Funds
Post by: wannaberich on Apr 25, 2013, 06:21 PM
No, you can change fund 4 times in  year, even you are in option B. :)

Regarding po dito... ibig po ba sabihin for ex nasa Balance fund kami, pwede namin syang itransfer sa equity fund then ibalik ulit ng balance fund. basta max of 4times a yr lang then wala pong any sales load?

If yes, ano po procedure ng pagchange ng fund?
Title: Re: Sun Life Prosperity Funds
Post by: kithe on Apr 25, 2013, 08:37 PM
^Yes, you can change fund four times in a year, without sales load, *for peso funds only.. Submit ka lang ng order ticket (redemption and interfund transfer ) or thru fax If nakaenroll ka sa facsimile transaction services, otherwise hihingin nila yung original.

Here's the form:
https://www.sunlife.com.ph/static/philippines/Products%20and%20Services/Mutual%20Funds/Static%20Files/Order%20Ticket%20(Redemption%20-%20Interfund).pdf (https://www.sunlife.com.ph/static/philippines/Products%20and%20Services/Mutual%20Funds/Static%20Files/Order%20Ticket%20(Redemption%20-%20Interfund).pdf)

Pero usually mas advisable ang mag interfund transfer kung malaki na ang kinita mo, and you want to safety  your gain from losses. ie. from equity fund or balanced fund to bond fund or gs fund or money market fund.. Lalo na kung malaking amount ang investment.. :)

Regarding po dito... ibig po ba sabihin for ex nasa Balance fund kami, pwede namin syang itransfer sa equity fund then ibalik ulit ng balance fund. basta max of 4times a yr lang then wala pong any sales load?

If yes, ano po procedure ng pagchange ng fund?
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Apr 26, 2013, 07:34 AM
Thanks Kithe! Another question, paano ang procedure kung gusto ko din mag-invest or mag-add ng another fund? Like in my case, I have Equity Fund. I'm planning to invest din sa Bond/GS Fund. Anu ba ang mga step by step na kelangan kong gawin? TIA..
Title: Re: Sun Life Prosperity Funds
Post by: xyphrus on Jul 02, 2013, 01:43 AM
I received an invitation letter from Sunlife about their annual shareholder's meeting. The meeting was held last friday lang (June 28, 2013), sa F1 Hotel sa may Global City Taguig. Kaso nareceived ko yung letter the same day din, which is June 28. Tapos ang start ng meeting is 1pm, pero yung letter dumating sa bahay ng 1:30pm.. :D

LBC naman ang nag-deliver. Kaya hindi ko tuloy alam kung LBC ba ang may fault nito or Sunlife mismo. Once a year lang ito so dapat naiinform yung mga shareholders ahead of time..
Title: Re: Sun Life Prosperity Funds
Post by: leonine_zafiro on Sep 11, 2013, 01:43 PM
Happy investing Guys! If you are interested in Sun Life Prosperity Mutual Funds just send me a PM. Thanks! :D
Title: Re: Sun Life Prosperity Funds
Post by: leonine_zafiro on Oct 01, 2013, 06:42 PM
Happy investing Guys! If you are interested in Sun Life Prosperity Mutual Funds just send me a PM. Thanks! ;)
Title: Re: Sun Life Prosperity Funds
Post by: inhinyero2002 on Mar 06, 2014, 04:03 PM
Happy investing Guys! If you are interested in Sun Life Prosperity Mutual Funds just send me a PM. Thanks! ;)

Sir leonine_zafiro,query lang po,first time ko maginvest kasi,,last Feb 3,2014 nag open ako ng balance fund sa sunlife quezon ave branch, dahil sa kakamadali ko that time di ko man lang naitanong sa agent kung magkano or ilang shares/unit ang nabili ng initial investment ko Php5000,,bale ang binigay lang sa aken ng agent ay 2 papel na parang receipt ang isa,may nakalagay na SRF No.at Order Ticket No..nagcheck ako sa sunlife website base po dun ang NAVPS ng time na nag open ako ang unit price is 3.3179.
ang tanong ko sir wala ba talaga binibigay(document) ang mga agent once ng invest ka or nagdagdag(subsequent payment) showing kung ilang share/units ang nabili ng investment mo?at un Client/Acount number same b un ng Oder Ticker No.?nasa abroad napo ako ngayon sir kaya dito nalng muna ko magtatanong sa PMT site..thanks in advance po.
Title: Re: Sun Life Prosperity Funds
Post by: freefront on Apr 28, 2014, 05:23 PM
^ the info is written on the OR that will be mailed by the co.

Received notification that TAT for fund redemption is now 4 days for both equity and balanced funds. That means, using the 4 free trades to try and lock in gains while trying not to get dragged down by the market, just got trickier. Redeemed funds will have to be cleared for 4 days, then will enter the fund where you want to park your funds( on the 5th day's navps).

Time to enter ETF?