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Sun Life Prosperity Funds

purplehazel · 454 · 117528

purplehazel

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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...


FutureGizmo

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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. ;)


FutureGizmo

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May promo pala Sunlife, may give-aways para sa mga mago-open ng bagong investments. P3M lang naman yung minimum ;)


FutureGizmo

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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.


nailbiter

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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).
« Last Edit: Jul 28, 2006, 01:36 PM by nailbiter »


FutureGizmo

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: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? :)


nailbiter

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sharingan16

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i will invest my 100k in sunlife mutual funds. anyone who can help me here?


nailbiter

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What kind of assistance do you need? My mom is a Sunlife agent. PM me if you want her contact info.
« Last Edit: Oct 19, 2006, 04:39 PM by nailbiter »


pinkguitar

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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?



nailbiter

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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.


pinkguitar

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Celljacela

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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.





FutureGizmo

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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?


nailbiter

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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.


Wynn

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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:  
« Last Edit: Nov 26, 2006, 03:02 PM by Wynn »


Celljacela

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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.. ;)


nailbiter

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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. :)
« Last Edit: May 10, 2007, 08:48 AM by nailbiter »


2pac

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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 :)


nailbiter

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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. You can also checkout the articles on www.pinoyinvestor.com to guide you with your plans.
« Last Edit: Feb 19, 2007, 05:07 PM by nailbiter »


2pac

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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?


gr8collector

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im pretty sure any branch of sunlife will be able to entertain any questions you may have regarding their mutual funds.


2pac

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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?


nailbiter

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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.


2pac

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rainmen

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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.


sardonyx

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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:


bigfoot

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You can also have the  option of having it credited to your bank account.


sardonyx

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yes. he will credit it to a client's account. but the question is, will you readily sign a blank order ticket?


nailbiter

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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
« Last Edit: May 08, 2007, 09:56 AM by nailbiter »


sardonyx

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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...


nailbiter

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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.


sardonyx

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ah, oks. nabasa ko din yung explanation mo sa kabilang thread. thanks again nailbiter!  :hihi:


sardonyx

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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:


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nailbiter

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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


fastega2001

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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...


nailbiter

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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
Sun Life Flexilink Market Education Program
« Last Edit: Aug 23, 2007, 11:36 AM by nailbiter »


ecarg

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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:


nailbiter

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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?


vannyty

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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


nailbiter

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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.


vannyty

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thanks!!! pro nde ko pa na-rcve eh :D
Posted on: Jul 23, 2007, 01:19 PM
na rcve ko na po!!! thankS!!


nailbiter

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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.


ecarg

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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


usong725

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« Last Edit: Jul 27, 2007, 02:13 PM by usong725 »


nailbiter

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No problem, usong725. PM'd you her contact info. Fyi, you need a post count of 3 to use the PM function.


TEEJAY

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NB, can mutual funds be transferred to another agent? Kasi nga walk in ako baka hindi maalagaan ung fund ko :|


nailbiter

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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.


sardonyx

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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:


2pac

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Awwww di na ko ina-update ng agent ko... buti n lang may PMT  :watchuthink:


expat

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@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.


steph

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« Last Edit: Aug 28, 2007, 09:05 PM by steph »


apiong

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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!


TEEJAY

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kay nailbiter. Mom niya is an agent.

Btw, nakuha ako ng dividends from Sunlife Equity
« Last Edit: Aug 29, 2007, 12:36 AM by TEEJAY »


apiong

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Paging Master NAILBITER  :D :D :D
IM in need of your mom... :thankyou:


2pac

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@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?
 


TEEJAY

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khrish

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Hi,

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


Thanks


2pac

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@teejay

Yup ganun pala yun hehehe.... :D I answered my own question today pala yung bigay ng div. sept 3


baludoy

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ma'am nailbiter, can you pls pm me the contact details of your mother asap.  :thankyou:


nailbiter

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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.


purpleglaze

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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


yellowminded

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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-


nailbiter

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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.


teq

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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


genesisb

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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.



nailbiter

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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.


bizmen

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dear nail,

pls provide ur mom details too...

thanks.


teq

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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:


 


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