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Sun Life Prosperity Funds

purplehazel · 454 · 115345

freefront

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Reply #330 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.



xyphrus

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Reply #331 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. 


rhipolito

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Reply #332 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.


xyphrus

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Reply #333 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..


kimerran

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Reply #334 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...






lupin

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Reply #335 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...






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.


allanmm13

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Reply #336 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


leonine_zafiro

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Reply #337 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


kithe

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Reply #338 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.. :)


xyphrus

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Reply #339 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..


vgal0579

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Reply #340 on: Feb 20, 2012, 09:53 PM
am thinking of investing here... Just thinking... :-)


kithe

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Reply #341 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.


xyphrus

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Reply #342 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?


mxherr5

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Reply #343 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


kithe

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Reply #344 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.
« Last Edit: Feb 28, 2012, 05:21 AM by kithe »


 


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