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I sometimes visit Philippine personal finance forums and beginners usually ask where should they invest their money. Most people would suggest mutual funds, and if the newbie investor is willing to put in the time to study, individual company stocks/equities. After someone suggests investing in funds, the usual question after that is which specific fund should they choose. That is why I decided to compile the financial companies with mutual fund (including ETF and UITF) offerings on this article.
Here’s a short and still incomplete list of mutual funds in the Philippines. If I forgot some, please don’t hesitate to tell me. As for whichever one of these funds are right for you, that will depend on your investment objectives, risk tolerance, age and income, and more.
- High Risk, High Potential Returns: Equity funds or funds that invest mostly in stocks. This is better for younger people who wish to maximize their potential earnings.
- Medium Risk and Potential Returns: Balanced funds that invest in stocks as well as fixed income securities (bonds), cash, money market, etc.
- Low Risk and Low Potential Returns: Bond or Fixed Income Funds. These and the money market funds below are recommended for older people who need more stability in their investment portfolio.
- Lowest Risk, Lowest Potential Returns: Money Market Funds
Note: Remember to read the fund objectives and prospectus. Some funds have unusual investing strategies and other details you might need to be aware of.
Tips on how to choose a mutual fund:
- Most major banks, insurance and other financial companies in the Philippines offer mutual funds, ETFs, and UITFs as investment products. Do you already have a Philippine bank account? Just go to their main webpage and look at the “investments” section of their website. You might find one you like. I bought my first fund because of that convenience.
- Remember: past performance do not guarantee future returns. The “best fund” now can be the worst loser later. That’s why you shouldn’t always trust the advertised returns.
- Philippine mutual funds usually have a P10,000 (around $200) minimum initial investment or maintaining balance requirement.
- In general, the lower fees (entry fees, management fees, and other fees) the better.
- Funds will usually have sales loads and early redemption fees. The lower those fees are the better.
- Stock index funds are usually better as long term investments. Unfortunately, even index funds in the Philippines have unreasonably high management fees (1% or more) as compared to similar investment products in other countries.
- The Securities and Exchange Commission (SEC) is a government agency created to protect the public from scams and illegal investments. Before you invest, check with them first!
- Don’t forget to read the prospectus! That document contains just about everything you need to know about the fund.
List of Mutual Funds in the Philippines:
We’ll list these in alphabetical order by bank/organization name and with these details: Fund name, the type of fund, and the annual fees they show on their website.
Disclaimer: Some details may change over time, and I might have also made mistakes when recording the data here so beware. Aside from that, there are also funds with unusual investment strategies so the classifications here may not accurately describe them. Please remember to double check the details on their website and on the funds’ prospectuses!
(Format: Fund Name – Type of Fund – Annual fees)
ALFM Mutual Funds
| ALFM Dollar Bond Fund | Medium Term Bond Fund | 1.25% |
| ALFM Euro Bond Fund | Medium Term Bond Fund | 0.75% |
| ALFM Growth Fund | Equity Fund | 1.00% |
| ALFM Money Market Fund | Money Market Fund | 0.50% |
| ALFM Peso Bond Fund | Medium Term Bond Fund | 1.50% |
| Philippine Stock Index Fund | Equity Index Fund | 1.50% |
Bonds, Equities, Securities and Traders, Inc. (BEST, Inc.)
| ATRAM Asia Plus Equity Fund | International Equity Fund | 2.00% |
| ATRAM Corporate Bond Fund | Bond Fund | 0.70% |
| ATRAM Dynamic Allocation Fund | Balanced Fund | 0.70% |
| ATRAM Philippine Balanced Fund | Balanced Fund | Max 5% |
| ATRAM Philippine Equity Opportunity Fund | Equity Fund | Max 5% |
| ATRAM Total Return Dollar Bond Fund | International Bond/Fixed Income Fund | 5% |
| ATRAM Alpha Opportunity Fund | Balanced Fund (Mostly Equities) | Max 8% |
BPI Asset Management and Trust Corporation
| ABF Philippines Bond Index Fund | Bond Index Fund | 0.08% |
| BPI Balanced Fund | Balanced Fund | 1.50% |
| BPI Catholic Values Global Equity Feeder Fund | Equity Feeder Fund | 0.50% |
| BPI Equity Value Fund | Equity Fund | 1.50% |
| BPI European Equity Feeder Fund | European Equity Feeder Fund | 0.75% |
| BPI Fixed Income Portfolio Fund-of-Funds | Bond Fund-of-Funds | Waived |
| BPI Global Equity Fund-of-Funds | Equity Fund-of-Funds | 1.50% |
| BPI Global Fund-of-Funds | Bond Fund-of-Funds | 0.75% |
| BPI Money Market Fund | Money Market Fund | 0.25% |
| BPI Philippine Consumer Equity Index Fund | Equity Index Fund | 1.50% |
| BPI Philippine Equity Index Fund | Equity Fund-of-Funds | 1.50% |
| BPI Philippine High Dividend Equity Fund | Equity Fund | 1.50% |
| BPI Philippine Infrastructure Equity Index Fund | Equity Index Fund | 1.50% |
| BPI Premium Bond Fund | Intermediate Bond Fund | 1.50% |
| BPI Short Term Fund | Money Market Fund | 0.50% |
| BPI US Dollar Short Term Fund* | Money Market Fund | 0.50% |
| BPI US Equity Index Feeder Fund | US Equity Index Fund | 0.75% |
| Odssey Peso Medium Term Bond Fund | Medium Term Bond Fund | 1.00% |
| Odyssey Asia Pacific High Dividend Equity Fund | Equity Fund | 1.75% |
| Odyssey Diversified Balanced Fund | Balanced Fund | 1.50% |
| Odyssey Diversified Capital Fund | Balanced Fund | 1.50% |
| Odyssey Peso Bond Fund | Long Term Bond Fund | 1.00% |
| Odyssey Philippine Dollar Bond Fund | Long Term Bond Fund | 1.25% |
| Odyssey Philippine Equity Fund | Equity Fund | 2.00% |
| Odyssey Philippine High Conviction Equity Fund | Equity Fund | 2.50% |
| Odyssey Tax Exempt Peso Fixed Income Fund (1) | Long Term Bond Fund | 1.00% |
| Philippine Dollar Bond Index Fund | Bond Index Fund | 0.25% |
First Metro Asset Management, Inc. (FAMI)
| SAVE & LEARN EQUITY FUND (SALEF) | Equity Fund | 1.88% |
| FIRST METRO PHILIPPINE EQUITY EXCHANGE TRADED FUND (FMETF) | Equity Index Fund | Not more than 2% |
| ONE WEALTHY NATION FUND, INC (OWN) | Balanced Fund | 1.75% |
| SAVE & LEARN BALANCED FUND (SALBF) | Balanced Fund | 1.88% |
| SAVE & LEARN DOLLAR BOND FUND, INC. (SALDBF) | Dollar Bond Fund | 1.75% |
| SAVE & LEARN FIXED INCOME FUND (SALFIF) | Fixed Income Fund | 1.75% |
Land Bank of the Philippines (LANDBANK)
| LANDBANK Bond Fund | Bond Fund | 1.00% |
| LANDBANK Equity Index Fund | Equity Index Fund | 1.50% |
| LANDBANK Global $ Fund | Dollar Bond Fund | 0.50% |
| LANDBANK Growth Fund | Balanced Fund | 1.25% |
| LANDBANK Money Market Fund | Money Market Fund | 0.20% |
| LANDBANK Money Market Plus Fund | Money Market Fund | 0.50% |
Metrobank Unit Investment Trust Funds
| Metro Balanced Fund | Balanced Fund | 2.00% |
| Metro Corporate Bond Fund | Long Term Bond Fund | 0.75% |
| Metro Equity Fund | Equity Fund | 2.00% |
| Metro High Dividend Yield Fund | Equity Fund | 2.00% |
| Metro Max-3 Bond Fund | Intermediate Term Bond Fund | 1.00% |
| Metro Max-5 Bond Fund | Medium Term Bond Fund | 1.50% |
| Metro Money Market Fund | Money Market Fund | 0.50% |
| Metro PSEi Tracker Fund | Equity Index Fund | 1.00% |
| Metro Short Term Fund | Money Market Fund | 0.50% |
| Metro Unit Paying Fund | Balanced Fund | 0.50% |
| Metro World Equity Feeder Fund | International Equity Feeder Fund | 0.10% |
| Metro$ Asian Investment Grade Fund | International Long Term Bond Fund | 50% of Income Earned |
| Metro$ Max-5 Bond Fund | Dollar Medium Term Bond Fund | 1.50% |
| Metro$ Money Market Fund | Dollar Money Market Fund | 1.00% |
Philam Asset Management, Inc.
| PAMI Asia Balanced Fund, Inc. | Balanced Fund | 2.00% |
| PAMI Equity Index Fund, Inc. | Equity Index Fund | 1.50% |
| PAMI Global Bond Fund, Inc. | International Fixed Income Fund | 2.00% |
| PAMI Horizon Fund, Inc. | Balanced Fund | 1.80% |
| Philam Bond Fund, Inc. | Fixed Income Fund | 1.50% |
| Philam Dollar Bond Fund, Inc. | Dollar Bond Fund | 1.50% |
| Philam Fund, Inc. | Balanced Fund | 2.00% |
| Philam Managed Income Fund, Inc. | Money Market Fund | 0.25% |
| Philam Strategic Growth Fund, Inc. | Equity Fund | 2.00% |
Philequity Management, Inc.
| Philequity Dividend Yield Fund, Inc | Equity Dividend Fund | 1.50% |
| Philequity Dollar Income Fund, Inc | Dollar Bond Fund | 1.00% |
| Philequity Fund, Inc | Equity Fund | 1.50% |
| Philequity Peso Bond Fund, Inc | Bond Fund | 1.00% |
| Philequity PSE Index Fund, Inc | Equity Index Fund | 1.00% |
Sun Life Asset Management
| Sun Life Prosperity Balanced Fund | Balanced Fund | 2.00% |
| Sun Life Prosperity Bond Fund | Fixed Income Fund | 1.50% |
| Sun Life Prosperity Dollar Abundance Fund | International Fixed Income Fund | 1.50% |
| Sun Life Prosperity Dollar Advantage Fund | International Balanced Fund | 1.50% |
| Sun Life Prosperity Dollar Starter Fund | Cash and Fixed Income | 0.25% |
| Sun Life Prosperity Dollar Wellspring Fund | International Fixed Income Fund | 1.50% |
| Sun Life Prosperity Dynamic Fund | Balanced Fund | 2.50% |
| Sun Life Prosperity GS (Government Securities) Fund | Fixed Income (Government Securities) Fund | 1.50% |
| Sun Life Prosperity Money Market Fund | Money Market Fund | 0.25% |
| Sun Life Prosperity Philippine Equity Fund | Equity Fund | 2.00% |
| Sun Life Prosperity Philippine Stock Index Fund | Equity Index Fund (with Cash and Money Market) | 1.00% |
| Sun Life Prosperity World Voyager Fund | International Balanced Fund | 1.75% |
ADDENDUM: It looks like some redditors from r/phinvest have compiled a more updated list. Come check it out here!
Have you chosen a fund?
Just search for the companies’ official website on the internet, read more about the fund’s investment objectives and prospectus to double check if it’s right for you, and then start gathering the requirements for registering with the investment company. If you have any questions, the company’s representatives will be glad to help you. They were hired to help potential clients like you after all.
By the way, if you want to learn more, check out our other articles here:
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What’s the Best Investment for Beginners?
-
What are Mutual Funds? (A Short Guide for Beginners)
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The Biggest Mistake you can make Before Investing
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How to Invest in Stocks: 10 Things Beginners NEED to Know
-
How can I get Rich? (Beyond just Stocks, Bonds, and Mutual Funds)
Disclaimer: Again, some of this information might be outdated and I might have made mistakes when writing this. Please don’t hesitate to tell me in the comments section below! Also, if you find any investment companies I may have missed, feel free to tell me so I can add them here as well!
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