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Sun Life Prosperity Funds

purplehazel · 454 · 114729

nailbiter

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Reply #105 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.


baludoy

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Reply #106 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:


A320

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Reply #107 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...


nailbiter

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Reply #108 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.


A320

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Reply #109 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?


nailbiter

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Reply #110 on: Dec 04, 2007, 05:42 PM
Each transaction is treated separately and will each be subject to sales load, yes.


A320

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Reply #111 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


nailbiter

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Reply #112 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.
« Last Edit: Dec 06, 2007, 10:47 AM by nailbiter »


A320

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Reply #113 on: Dec 05, 2007, 03:55 PM


thanks, nailbiter...kaya mo mas prefer ang front load?....


freedomfighter

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Reply #114 on: Dec 05, 2007, 08:49 PM


nailbiter

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Reply #115 on: Dec 06, 2007, 10:47 AM
Thanks, freedomfighter. :thankyou: I was looking at the old reference table. I'll edit my post now.


A320

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Reply #116 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!


glacier

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Reply #117 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. =)


freedomfighter

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Reply #118 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.


pfb82

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Reply #119 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?


 


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