ALFM MONEY MARKET FUND

The ALFM Money Market Fund is best suited to investors with a conservative risk profile, or investors who are looking for short term investment outlets where they could temporarily park their investible funds.

The ALFM Money Market Fund was incorporated on October 19, 2009 as an alternative investment outlet for short term placements.

*Please be advised that effective January 6, 2014, no further subscriptions of ALFM Money Market shares are allowed until the SEC has issued the approval for the increase in additional ACS.

**Other funds still available.

INVESTMENT OBJECTIVE

The Fund aims to achieve preservation of capital and stable income by investing in a diversified portfolio of Philippine Peso denominated short-term fixed income and money market instruments.

Benchmark

HSBC Philippines Money Market Index.

Investor Type Conservative
Fund Type Money Market Fund
Base Currency Philippine Peso
Launch Date March 1, 2010
Minimum Initial Investment/ Maintaining Balance PHP 5,000
Minimum Initial RSP PHP 5,000
Minimum Transaction Amount/Minimum RSP Amount PHP 1,000
Minimum Holding Period 30 calendar days
Early Redemption Fee 1% of the redemption amount
Management and Advisory Fee 0.75% p.a.
Cut-off Time 12:00 noon
Contribution Settlement Day 1 End-of-Day
Redemption Settlement Day 1 End-of-Day

ALFM MONEY MARKET FUND NAV VS. MONEY MARKET FUND SEGMENT NAV
as of April 2014

  • ALFM Money Market Fund
  • Money Market Fund Segment NAV

ALFM PESO BOND FUND

The ALFM Peso Bond Fund is ideal for investors who are looking for a well diversified fixed-income investment fund which has consistently provided superior risk-adjusted returns over the medium to long term. The Fund is the only mutual fund in the country which gives a free group term life insurance coverage of PhP200,000.00 to each eligible primary individual investor.

The ALFM Peso Bond Fund is the largest mutual fund in the Philippines. It has consistently provided superior returns to its investors since it was launched. It was originally incorporated as Ayala Life Filipino Income Fund, Inc. on July 18, 1997 and was renamed to Ayala Life Fixed Income Fund, Inc. on August 21, 1998. The SEC approved the change to its present name of ALFM Peso Bond Fund, Inc. on February 26, 2007. Over the years, ALFM Peso has grown to become the market leader and the most popular mutual fund in the country.

INVESTMENT OBJECTIVE

The Fund aims to achieve a steady stream of income by investing in a diversified portfolio of Philippine Peso denominated high-grade fixed income instruments, such as but not limited to, government securities, corporate notes and bonds, and fixed income funds.

Benchmark

50% 91-day Treasury Bill and

50% HSBC Philippines Local Currency Bond Index, net of tax.

Investor Type Moderately Conservative
Fund Type Medium Term Bond Fund
Base Currency Philippine Peso
Launch Date July 18, 1997
Minimum Initial Investment/ Maintaining Balance PHP 5,000
Minimum Initial RSP PHP 5,000
Minimum Transaction Amount/Minimum RSP Amount PHP 1,000
Minimum Holding Period 180 calendar days
Early Redemption Fee 1% of the redemption amount
Management and Advisory Fee 1.50% p.a.
Cut-off Time 12:00 noon
Contribution Settlement Day 1 End-of-Day
Redemption Settlement Day 1 End-of-Day

ALFM PESO BOND FUND NAV VS. PESO BOND FUND SEGMENT NAV
as of April 2014

  • ALFM Peso Bond Fund NAV
  • Peso Bond Fund Segment NAV

ALFM EURO BOND FUND

The ALFM Euro Bond Fund is ideal for investors who want attractive returns for their Euro funds.

The ALFM Euro Bond Fund is the first Euro currency incorporated fund in the country. The Fund was incorporated on August 5, 2005 to engage primarily in the business of investing, reinvesting, and trading of securities and to operate as an open-end investment company.

INVESTMENT OBJECTIVE

The Fund aims to achieve capital preservation through a steady stream of income by investing in a diversified portfolio of fixed income instruments issued by foreign and local entities, such as but not limited to, Euro-denominated government securities, corporate notes and bonds, and fixed income funds.

Benchmark

3-month German Treasury Bill.

Investor Type Moderately Conservative
Fund Type Medium Term Bond Fund
Base Currency Euro
Launch Date Jan. 19, 2006
Minimum Initial Investment/ Maintaining Balance EUR 500
Minimum Initial RSP EUR 500
Minimum Transaction Amount/Minimum RSP Amount EUR 100
Minimum Holding Period 180 calendar days
Early Redemption Fee 1% of the redemption amount
Management and Advisory Fee 0.75% p.a.
Cut-off Time 12:00 noon
Contribution Settlement Day 1 End-of-Day
Redemption Settlement Day 1 End-of-Day

ALFM EURO BOND FUND NAV VS. EURO BOND FUND SEGMENT NAV
as of April 2014

  • ALFM Euro Bond Fund NAV
  • Euro Bond Fund Segment NAV

ALFM GROWTH FUND

The ALFM Growth Fund is best suited to investors who seek long term capital growth, or investors who want to invest in equities and fixed income instruments but have neither the time nor the expertise to make investment decisions.

The ALFM Growth Fund was incorporated on November 26, 2007 and is classified under the equity fund segment of the mutual fund industry.

INVESTMENT OBJECTIVE

The Fund aims to achieve long-term capital appreciation by investing in a diversified portfolio of equities and fixed income instruments. The Fund shall invest at least 75% of its net assets in equity securities under normal market conditions.

Benchmark

75% Philippine Stock Exchange index (PSEi) and
25% return of the 91-day Treasury Bill.

Investor Type Aggressive
Fund Type Equity Fund
Base Currency Philippine Peso
Launch Date Nov. 27, 2007
Minimum Initial Investment/ Maintaining Balance PHP 5,000
Minimum Initial RSP PHP 5,000
Minimum Transaction Amount/Minimum RSP Amount PHP 1,000
Minimum Holding Period 180 calendar days
Early Redemption Fee 1% of the redemption amount
Management and Advisory Fee 2.00% p.a.
Cut-off Time 2:30 PM
Contribution Settlement Day 1 End-of-Day
Redemption Settlement Day 4 5:00 PM

ALFM GROWTH FUND NAV VS. PESO EQUITY FUND SEGMENT NAV
as of April 2014

  • ALFM Growth Fund NAV
  • Peso Equity Fund Segment NAV

ALFM DOLLAR BOND FUND

The ALFM Dollar Bond Fund is suitable to investors who are looking for consistently attractive returns for their US Dollar funds over the medium to long term.

The ALFM Dollar Bond Fund was originally organized under the name Far East Fund, Inc. on October 23, 1993, and was created to engage primarily in the business of investing, reinvesting, and trading of securities, and to operate as an open-end investment company. The Fund commenced operations on May 10, 1999. The SEC approved the change in name to Far East Dollar Bond Fund on Dec. 12, 2001 and to ALFM Dollar Bond Fund on Jan. 21, 2004.

INVESTMENT OBJECTIVE

The Fund aims to achieve capital preservation through a steady stream of income by investing in a diversified portfolio of fixed income instruments issued by foreign and local entities, such as but not limited to, US dollar-denominated government securities, corporate notes and bonds, and fixed income funds.

Benchmark

50% 3-month U.S. Treasury Bill and

50% JP Morgan Asia Credit Philippines Total Return Index.

Investor Type Moderately Aggressive
Fund Type Medium Term Bond Fund
Base Currency US Dollar
Launch Date Feb. 5, 2002
Minimum Initial Investment/ Maintaining Balance USD 500
Minimum Initial RSP USD 500
Minimum Transaction Amount/Minimum RSP Amount USD 100
Minimum Holding Period 180 calendar days
Early Redemption Fee 1% of the redemption amount
Management and Advisory Fee 1.25% p.a.
Cut-off Time 12:00 noon
Contribution Settlement Day 1 End-of-Day
Redemption Settlement Day 1 End-of-Day

ALFM DOLLAR BOND FUND NAV VS. DOLLAR BOND FUND SEGMENT NAV
as of April 2014

  • ALFM Dollar Bond Fund NAV
  • Dollar Bond Fund Segment NAV

PHILIPPINE STOCK INDEX FUND

The PSIF is suitable to investors who seek long term capital growth, or those who want to track the performance of the PSEi.

The Philippine Stock Index Fund ("PSIF") was incorporated on December 11, 2002 as an open end investment company. The Fund was created as an index tracker fund of the Philippine Stock Exchange Composite Index (PSEi). To date, it is the only index tracker mutual fund that fully replicates the PSEi.

INVESTMENT OBJECTIVE

The Fund aims to track the performance of the Philippine Stock Exchange Composite Index (PSEi). The fund shall invest substantially all of the Fund's assets in the stocks comprising the PSEi in the same weights as in the index.

Benchmark

Philippine Stock Exchange Composite Index (PSEi).

Investor Type Aggressive
Fund Type Equity Fund
Base Currency Philippine Peso
Launch Date March 14, 2003
Minimum Initial Investment/ Maintaining Balance PHP 5,000
Minimum Initial RSP PHP 5,000
Minimum Transaction Amount/Minimum RSP Amount PHP 1,000
Minimum Holding Period 180 calendar days
Early Redemption Fee 1% of the redemption amount
Management and Advisory Fee 1.50% p.a.
Cut-off Time 2:30 PM
Contribution Settlement Day 1 End-of-Day
Redemption Settlement Day 4 5:00 PM

PHILIPPINE STOCK INDEX FUND NAV VS. PESO EQUITY FUND SEGMENT NAV
as of April 2014

  • Philippine Stock Index Fund NAV
  • Peso Equity Fund Segment NAV

OTHER MUTUAL FUNDS MANAGED BY BPI INVESTMENT MANAGEMENT INC.

Bahay Pari Solidaritas Fund

The Bahay Pari Solidaritas Fund is a balanced mutual fund which is invested in a diversified portfolio of common stocks and fixed income securities. The primary investment objective of the Fund is to provide long-term capital appreciation for its investors.

The Fund promotes Catholic values in the financial marketplace by investing only in entities which adhere to the ethical norms and principles of the Catholic Church. The Fund does not invest in securities of companies involved in certain businesses, for example: gaming (gambling), mining, pills/condoms, tobacco/cigarettes, and hard liquor.

The Fund is available exclusively to Catholic:

Ekklesia Mutual Fund

The Ekklesia Mutual Fund is a bond mutual fund which is invested in a diversified portfolio of local and/or foreign fixed income securities. The primary investment objective of the Fund is to provide safety of principal, liquidity, and growth through income derived from medium to long-term fixed income instruments.

The Fund promotes Catholic values in the financial marketplace by investing only in entities which adhere to the ethical norms and principles of the Catholic Church.The Fund does not invest in securities of companies involved in certain businesses, for example: gaming (gambling), mining, pills/condoms, tobacco/cigarettes, and hard liquor.

The Fund is available exclusively to Catholic institutions, such as:

Fund Performance Reports

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RETURNS CALCULATOR




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FUND TRACKING TOOLS

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ALFM Mutual Funds consist of six (6) funds, each having an own investment objective to suit and meet the needs of investors.

An investor may create his own investment account portfolio by investing in any one, or a combination of, the funds. An investor, therefore, enjoys the benefits of instant diversification in different asset classes and in different currencies. The customer can choose from any of the Mutual Funds:

ALFM Mutual Funds allow you to diversify at a low cost.

ALFM Mutual Funds pool the money of numerous investors in order to provide them with instant diversification and asset allocation without the high costs needed to create individual portfolios. The various ALFM Funds allow clients to diversify and to spread risks across different asset classes and multi-currencies.

With the help of BPI Express Online, you can access your ALFM investment account anytime, anywhere.

An investor may enroll his ALFM investment account/s in the BPI Express Online (www.bpiexpressonline.com) channel to enjoy the following benefits:

The Regular Subscription Plan (RSP) feature allows an investor to make scheduled contributions on a periodic basis, either on a monthly or quarterly basis, permitting you to automatically invest in any of the ALFM Mutual Funds.

An investor may begin accumulating wealth for his future requirements by enrolling his ALFM investment account in the Regular Subscription Plan. The Regular Subscription Plan is an investment program that allows you to nominate a regular contribution amount for the purchase of shares for your Mutual Fund account on a periodic basis, either on a monthly or quarterly basis.

To learn more about the RSP, click here.


For a step-by-step guide on how to enroll your account in the RSP, click here.

To get started, please provide the following details:


Last Name

First Name

Middle Initial

I hereby authorize BPI Investment Management, Inc. to (i) use any contact details to communicate to me for whatever purpose; (ii) disclose any information herein provided to any person or entity. For this purpose, I agree to indemnify and hold BPI Investment Management, Inc. free and harmless from any and all claims, liabilities, damages, suits or causes of action of whatever nature, now or hereafter arising from or in connection with the foregoing authorization.

Start investing in three (3) simple steps.

Step 1:Take the Client Suitability Assessment (CSA) Test.
This test will have eight (8) questions, and will only take (5) minutes to complete.

Step 2:Fill out the Client Information Sheet.

Step 3:Our Mutual Fund Sales Agent will contact you to facilitate your account opening.

proceed to
take the test
TAKE THE
TEST LATER

Client information sheet


Last Name

First Name

Middle Initial
Male
Female

Permanent Address is same as Present Address

Disclaimer

I hereby authorize BPI Investment Management, Inc. to (i) use any contact details to communicate to me for whatever purpose; (ii) disclose any information herein provided to any person or entity. For this purpose, I agree to indemnify and hold BPI Investment Management, Inc. free and harmless from any and all claims, liabilities, damages, suits or causes of action of whatever nature, now or hereafter arising from or in connection with the foregoing authorization.

Thank you for your interest in the ALFM Mutual Funds.
Our Mutual Fund Sales Agent will contact you to facilitate your account opening.

For further inquiries, kindly contact us at:
E-mail address: bpi_investment@bpi.com.ph
Contact Nos.: 845-5424, 845-5033, 845-5034

Thank you for your interest in the ALFM Mutual Funds.
Our Mutual Fund Sales Agent will contact you.

For further inquiries, kindly contact us at:
E-mail address: bpi_investment@bpi.com.ph
Contact Nos.: 845-5424, 845-5033, 845-5034

INVESTMENTS 101

What is an investment?

An investment is an asset that generates income or appreciates in value in the future. It is an asset that creates wealth for you by putting your money to work.

Why should I invest?

If you just keep your money in your deposit account, your money is not working for you. The real value of your money will decline because of inflation. Inflation may prevent you from achieving your goals in life. To combat the effects of inflation, you need to invest your money to potentially earn more than the inflation rate. By making your money work for you, you may realize your life goals easier, whether it is sending your child to college, or retiring comfortably on a beach front house.

Why Invest in a Mutual Fund?

Mutual Funds are investment alternatives that generally provide better returns compared to a bank’s time deposit. Mutual Funds also give you instant diversification of your investible cash considering that mutual funds come in four (4) basic types: bond funds, equity funds, balanced funds, and money market funds. Mutual funds give you access to professional fund managers who have both the expertise and experience in managing investments. Mutual funds require only a minimal amount of money compared to investing directly in equities or bonds. Finally, gains realized from mutual fund investments are tax-exempt by law (Republic Act No. 8424).

Why should I diversify?

An investor’s portfolio should be diversified in order to avoid taking in too much risk. By diversifying, the risks are spread out over the different investment products. It allows the investor the potential to get higher returns without taking additional risks.

Where should I invest?

There are several investment products available in the market. Why invest anywhere else other than the largest mutual funds in the country today. The ALFM Mutual Funds is the investor’s number one choice in terms of mutual fund investing. The ALFM Mutual Funds have over PHP 90 Billion in assets, and have consistently provided investors with above benchmark risk-adjusted returns over the medium to long term period, enabling ALFM investors to achieve their investment objectives.

What is the right mutual fund for me?

Each investor has different investment needs. The ALFM Mutual Funds offer various mutual funds that suit the investors’ investment objective, investment horizon and risk appetite. Currently, there are six (6) ALFM Mutual Funds classified under four risk profiles, Conservative, Moderately Conservative, Moderately Aggressive, and Aggressive. The risk profile is determined by taking a Client Suitability Assessment done prior to investing in a mutual fund. The ideal mutual fund for each investor would depend highly on your risk profile.

ALFM Mutual Fund Risk Profile Investment Objective Investment Horizon
ALFM Money Market Fund Conservative Capital Preservation Up to 1 year
ALFM Peso Bond Fund
ALFM Euro Bond Fund
Moderately Conservative Stable Income 1 to 3 years
ALFM Dollar Bond Fund Moderately Aggressive Balanced 3 to 5 years
ALFM Growth Fund
Philippine Stock Index Fund
Aggressive Capital Growth More than 5 years
It is best to consult a Mutual Funds Sales Agent before investing in any type of mutual fund

When do I invest?

The best time to invest is always now. Your investments will work more efficiently if you invest for the long term. By investing now and keeping it invested for several years, your money will be able to take advantage of the opportunities available in the financial markets today. However, if you are timing the market, and unfortunately missed that opportunity, it may be several years until that similar opportunity arises again. You would have missed the income that you may have received if you have invested immediately.

How can I invest?

For as low as PHP 5,000, USD 500 or EUR 500, you can start investing in the ALFM Mutual Funds. ALFM Mutual Fund shares are distributed through BPI Investment Management, Inc., BPI Capital Corporation and BPI Securities Corporation. Subscription and redemption of shares can be done through BPI and BPI Family Savings Bank branches which are the designated Receiving Banks of the ALFM Mutual Funds.
You can contact our ALFM Mutual Fund Sales Agent through bpi_investment@bpi.com.ph to know more about the different mutual funds. They will guide you on how to select the most suitable mutual fund for you, and how to open an investment account. You may also reach them at (02) 845-5033, (02) 845-5035, or (02) 816-9038.

How can I take advantage of investing on a regular basis? What is the Regular Subscription Plan?

The Regular Subscription Plan is an investment program that allows you to nominate a regular subscription amount for automatic purchase of shares in your mutual fund on a periodic basis such as monthly or quarterly. This build up strategy allows you to invest regularly, and average down your peso cost. When prices are low, more shares are purchased and when prices are high, fewer shares are bought, but the overall value of your portfolio likewise increases.
You may apply for a Regular Subscription Plan by logging in BPI ExpressOnline, then go to Investments > Mutual Funds > Subscribe > Regular Subscription Plan.


OTHER FREQUENTLY ASKED QUESTIONS

How do I apply for a mutual fund?

A Mutual Fund (MF) Sales Agent will conduct a Client Suitability Assessment together with the new applicant to determine the investor’s risk profile, investment objective and investment horizon. The MF Sales Agent will then discuss the suitable ALFM Mutual Fund given your risk profile. After which, the new applicant shall fill out an Account Opening Form which will be provided for by any MF Sales Agent of BPI Investment Management, Inc., BPI Capital Corp., or BPI Securities Corp.
Alternatively, if you are an existing BPI ExpressOnline user, you can apply online by logging in and going to Investments > Apply Now > Mutual Funds. There you will be asked to update a customer information sheet and take a Client Suitability Assessment, which you will need to submit to any BPI or BPI Family Bank branch.

Upon determining the appropriate risk profile, the MF Sales Agent will present the ALFM Mutual Funds that are suitable to the risk profile of the investor. Once the risk profile and ALFM Mutual Fund product have been finalized, a debit authority or subscription order will be filled out to indicate the gross amount of investment. The investment amount will be automatically debited from the investor’s settlement account once the NAVpS has been electronically computed by the end of the day.
If the applicant is a corporation, partnership or trust, the application must be accompanied by the following documents:

1. A notarized certificate of the incumbent corporate secretary of the applicant attesting to:

  • a. The approval of the Board of Directors (or equivalent body) of the applicant’s subscription to the Mutual Fund Shares
  • b. The authority of the signatories designated therein to sign the application and transact for and on behalf of the applicant
  • c. The percentage of the applicant’s equity held by Filipino citizens.

2. A certified true copy of the SEC Certificate of Registration, the Articles of Incorporation and the By-Laws

How do I pay for mutual fund shares I bought?

You may visit the Receiving Banks of the ALFM Mutual Funds, which are the BPI and BPI Family Bank branches. From the branch low counter, you may pay for the ALFM Mutual Fund shares. If you are an existing BPI ExpressOnline user, you may buy mutual fund shares by logging in and going to Investments > Mutual Funds (MF) > Subscribe > Subscribe Now. You will be asked which mutual fund you would like to buy shares for and then asked to indicate the amount you are investing.


What is the price at which I buy or sell mutual funds share? What is NAVpS?

The Net Asset Value per share or NAVpS is the current price of the mutual fund share. It changes day to day and is calculated at the end of trading day.
NAVpS is calculated by dividing the fund’s total assets less the fund’s liabilities by the number of shares outstanding.
NAVpS = (Total Assets – Total Liabilities) / Number of Shares Outstanding
The NAVpS is used as the price in determining the number of shares bought and the settlement amount for the number of shares sold.
The NAVpS of a mutual fund is based on the current market price of the fund’s assets and liabilities. The valuation used is called marked-to-market. It measures the fair market value of the fund’s assets and liabilities providing a realistic appraisal of the mutual fund company’s current financial situation. The fair market value of assets changes daily depending on market sentiment. As such the NAVpS will also change daily since mutual fund assets are marked-to-market daily.

How is the number of shares bought computed?

To determine the number of shares bought, divide the investment amount by the NAVpS:
Number of shares bought # = (Investment Amount) / (NAVpS)

What is the Cut-Off time for buying/selling of shares?

Answer: The cut-off time is the time when the NAVpS to be used is determined. Subscriptions received on or before the “Cut-Off” on any business day shall be processed at the NAVpS for that day. Subscriptions received after the Cut-Off shall be deemed to have been received on the next business day and shall be processed at the NAVpS applicable for the next business day.


ALFM Mutual Fund Cut-off Time
ALFM Money Market Fund 12:00 NN
ALFM Peso Bond Fund 12:00 NN
ALFM Euro Bond Fund 12:00 NN
ALFM Dollar Bond Fund 12:00 NN
ALFM Growth Fund 2:30 PM
Philippine Stock Index Fund 2:30 PM

How do I sell my shares?

You may sell your mutual fund shares by visiting BPI or BPI Family Bank branches, which are the Receiving Banks for the ALFM Mutual Funds. A Mutual Funds Sales Agent will ask you if you want to sell part or all of your mutual fund shares.
If you are an existing BPI ExpressOnline account holder, you may sell your shares by logging in and going to Investments > Mutual Funds > Redeem. You will be asked what mutual fund you want to redeem shares. Then you will be asked if you want to partially redeem or fully redeem your shares. The proceeds from the redemption will be credited automatically to your settlement account.


Settlement of the proceeds will be done the next banking day for ALFM Money Market Fund, ALFM Peso Bond Fund, ALFM Euro Bond Fund, and ALFM Dollar Bond Fund; while it will be on the 4th banking day for ALFM Growth Fund and Philippine Stock Index Fund.

Can I sell my shares anytime?

Mutual funds stand ready to redeem shares at any time. However, if the shares being redeemed are still within the minimum holding period, an early redemption fee of 1% will be deducted from the settlement amount.

Are there fees when buying or selling shares?

Mutual funds normally charge a sales load, upon buying of the shares. However, the ALFM Mutual Funds currently waive the sales load. If the shares being redeemed are still within the minimum holding period, an early redemption fee of 1% will be deducted from the settlement amount.

What are the applicable taxes to be paid?

None. Gains realized from the redemption of mutual fund shares are exempt from tax. This is provided for in Republic Act # 8424 (the National Internal Revenue Code) effective January 1, 1998.

Are mutual funds insured by the PDIC?

No, mutual funds are not insured by the Philippine Deposit Insurance Corporation. However, Mutual funds are registered securities and operate under strict regulation by the Securities and Exchange Commission designed to protect the investors' interests.

Is the return on investment guaranteed?

Mutual funds do no guarantee any returns. Any presentation of historical performance is purely for reference purposes only and is not indicative of future performance.

What is a benchmark?

A benchmark is the standard on which the performance of a particular mutual fund is measured. The objective of the mutual fund is to give better returns compared to its benchmark. Each mutual fund would have an appropriate benchmark for comparison.


ALFM Mutual Fund Benchmark
ALFM Money Market Fund HSBC Philippines Money Market Index
ALFM Peso Bond Fund 50% 91-day Treasury Bill and 50% HSBC Philippines Local Currency Bond Index
ALFM Euro Bond Fund 3-month German Treasuy Bill
ALFM Dollar Bond Fund 50% 3-month U.S. Treasury Bill and 50% JP Morgan Asia Credit Philippines Total Return Index
ALFM Growth Fund 75% Philippine Stock Exchange Index(PSE) and 25% return of the 91-day Tresury Bill
Philippine Stock Index Fund Philippine Stock Exchange Composite Index (PSE)


1. What do you hope to achieve from your investment?

To protect principal amount of investments and earn steady stream of interest income.

To preserve capital or real value of investments.

To achieve growth through a balance between interest income and capital gain over a medium term period.

To achieve significant growth or capital appreciation over the medium to long term period.

NEXT


2. What portion of your investment can be placed in medium or long term investments, i.e., more than 3 years?

10% to 30%

40% to 60%

70% to 80%

90% to 100%

NEXT


3. When and how often do you plan to cash in on your investments?

I need to draw regular income from my investments and may use a portion of the principal in the short term.

I do not need to draw regular income from my investments nor do I see the immediate need to use any portion of the principal in the short term.

I have other sources of liquidity and do not see a real need to use funds for the next 5 to 10 years.

I have other sources of liquidity and do not see a real need to use funds for the next 10 years.

NEXT


4. What is your knowledge and experience on investments?

Minimal. I know bank deposits, BSP, SDA, T-bills and money market placements.

Low. Outside deposits and short term government securities, I have experience investing in money market funds such as corporate and fixed income bonds.

Medium. I have experience investing in mutual funds, UITFs, foreign currencies and direct invesment in listed stock and bonds.

High. I have an extensive experience in investing and have a broad understanding of the domestic and global capital markets in general.

NEXT


5. How many years of experience have you had investing in securities, either directly or through a fund manager?

1 year or less

1 to 5 years

5 to 10 years

Over 10 years

NEXT


6. What amount of financial risks are you willing to take when making investments?

I am not willing to take any risks on my principal investments and I accept steady and minimal return.

I am willing to take minimal risks on my principal investments, and I accept equally minimal returns.

I am willing to tolerate a fair amount of risks on my principal investments in order to achieve above average returns and capital growth over the medium term.

I am prepared to risk a substantial portion of my principal investment in order to achieve high returns or capital growth over a period of 5 years or more.

NEXT


7. If the value of your portfolio decreased by 20% in one year, how would you react?

I will be very concerned and will immediately put my investment back to cash (i.e. in the form of deposits and/or short term government securities).

I will be very concerned and will find safer investment outlets, which are not necessarily cash.

I will be concerned and will review the aggressiveness of my portfolio.

I will NOT be concerned about the short-term function of certain investments in my portfolio.

NEXT


8. What is your average net worth for the last 2 years?

P5 M (USD 100,000) and below

Over P5 M (USD 100,000) up to P30 (USD 600,000)

Over P30 M up to P60 M (USD 1.2M)

Over P60 M

SEE RESULT

Investment Objective

The portfolio seeks to achieve protection of
principal through prevention of loss at all times.

Investment Horizon Up to 1 year

An investor who, when faced with two investments with a similar expected return (but different risks), will prefer the one with lower risk. He dislikes risk and would settle for lower but fixed returns. His overriding concern is to protect principal amount of investments and earn a steady stream of interest income.

Available Products for Conservative Investors:

recommended asset allocation

  • Cash and Cash
    Equivalents

    100%

  • Fixed Income
    Investments

    0%

  • Equity
    Investments

    0%

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your risk profile is:

Conservative

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Investment Objective

The portfolio seeks to achieve preservation of
capital considering the effects of inflation.

Investment Horizon Up to 5 years

An investor who seeks a relatively stable return on investment that is slightly higher than traditional term deposit and who is willing to take minor negative fluctuations in returns. Moderately conservative investors usually have to settle for modest investment growth which might make it difficult to meet long-term goals.

Available Products for Moderately Conservative Investors:

recommended asset allocation

  • Cash and Cash
    Equivalents

    20%

  • Fixed Income
    Investments

    70%

  • Equity
    Investments

    10%

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your risk profile is:

Moderately Conservative

Ready to invest? want to know more?
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Investment Objective

The portfolio seeks to achieve balance between
generating steady income and growth in capital.

Investment Horizon Up to 7 years

An investor who seeks a balance between growth in capital and income and who is willing to take negative fluctuations in returns. Moderately aggressive investors want to increase the value of their portfolios while protecting their assets from the risk of minor losses.

Available Products for Moderately Aggressive Investors:

recommended asset allocation

  • Cash and Cash
    Equivalents

    10%

  • Fixed Income
    Investments

    70%

  • Equity
    Investments

    20%

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your risk profile is:

Moderately Aggressive

Ready to invest? want to know more?
Portfolio Builder

Investment Objective

The portfolio seeks to achieve a balance between
generating steady income and growth in capital.

Investment Horizon Up to 7 years

Growth and earning the highest returns are the main concerns of this investor. He is willing to take negative fluctuations in return including possible loss of initial investment.

Available Products for Aggressive Investors:

recommended asset allocation

  • Cash and Cash
    Equivalents

    5%

  • Fixed Income
    Investments

    65%

  • Equity
    Investments

    30%

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your risk profile is:

Aggressive

Ready to invest? want to know more?
Portfolio Builder

Archive

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  • June 17, 2014

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  • June 17, 2014

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  • June 17, 2014

    A guide to maximizing your investments
  • May 01, 2014

    Managing Bond Fund
  • May 01, 2014

    Equity Fund: Moving Forward
  • June 30, 2013

    ANC On The Money: On The Road with Suze Orman Part 2
  • June 30, 2013

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Asset Allocation:

Fund Name: Investment
Amount
Market Value
After 2 yrs*
Percentage
ALFM Money Market Fund P0.00 P0.00 0 %
ALFM Peso Bond Fund P0.00 P0.00 0 %
ALFM Dollar Bond Fund or ALFM Euro Bond Fund** P0.00 P0.00 0 %
ALFM Growth Fund P0.00 P0.00 0 %
Philippine Stock Index Fund P0.00 P0.00 0 %
Total P0.00 P0.00  

How much do you want to invest?

What is your risk profile?

Conservative
Aggressive
Moderately Conservative
Moderately Aggressive
View your Mutual Fund Portfolio

*Disclaimer: The Mutual Funds Portfolio Builder serves as a guide to investors on the suggested diversification of their investible funds based on BPI Asset Management's 2011 Asset Allocation Guide. It does not constitute a recommendation to buy nor to sell ALFM shares. For more information on investment diversification, please contact any of our Mutual Funds Sales Agent. Return on Investment (ROI) computations are based on actual 2-yr ROI as of August 31, 2013. Historical performance is purely for reference purposes only and is not a guarantee of future results.    **Peso Equivalent

UPDATES FUND MANAGER

Sample 2 Updates

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Titles Sample Updates fund manager

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Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur

FEATURED FUND MANAGER

Sample Title Featured fund manager

Animated, sassy, and in some ways eccentric, Ma. Cristina Gabaldon is not your typical, serious, all-business fund manager. And her personality emanates from the funds she manages – vibrant, radical yet strong and ambitious. But unlike her stock picks, this woman should not be undervalued. Having investments in her genes, she fast-tracked her way up the corporate ladder, entering the industry immediately as a fund manager where she managed Unit Investment Trust Funds that consistently ranked higher than their peers. Gabs, as she’s commonly known, may not have pursued a career in architecture, but she now writes the blueprint for the ALFM Growth and Philippine Stock Index Funds. Let’s get to know her more.

Where did you get your nickname "Gabs"?

That started in high school (ICS Greenhills), given by my classmates, from my family name Gabaldon.

Pants or skirt?
Skirt

Food?
Japanese

Music?
Rock and Reggae

Why the interest in investments?
My dad used to be a stockbroker, so I would say it's more of following in his footsteps, getting that influence from him, and developing that love for the market.

What age did you start investing in stocks?
18 but it was more of a learning process.

Most difficult part of your job?
Changing mindsets and opening up the organization to new ideas.

If not in finance, where would you be now?
Perhaps an architect or an artist.

What is your biggest fear and how do you plan to overcome it?
Losing everything. To overcome it, I just live simply.

COMPLETE LIST OF AWARDS

List of Awards of ALMF from 2010 to 2013

As of December 31, 2013

  • ALFM Money Market Fund, Inc.
    1st Place: 1-year return
    Money Market Fund Category
  • ALFM Money Market Fund, Inc.
    1st Place: 3-year return
    Money Market Fund Category
  • ALFM Peso Bond Fund, Inc.
    2nd Place: 10-year return
    Bond Fund Category (Peso Denominated)
  • ALFM Growth Fund, Inc.
    2nd Place: 5-year return
    Balanced Fund Category (Peso Denominated)
  • Philippine Stock Index Fund Corp.
    1st Place: 1-year return
    Equity Fund Category

As of December 31, 2012

  • ALFM Money Market Fund, Inc.
    1st Place: 1-year return
    Money Market Fund Category
  • ALFM Money Market Fund, Inc.
    1st Place: 3-year return
    Money Market Fund Category
  • ALFM Peso Bond Fund, Inc.
    2nd Place: 10-year return
    Bond Fund Category (Peso Denominated)
  • Bahay Pari Solidaritas Fund, Inc.
    3rd Place: 1-year return
    Balanced Fund Category (Peso Denominated)
  • ALFM Growth Fund, Inc.
    2nd Place: 5-year return
    Balanced Fund Category (Peso Denominated)
  • Philippine Stock Index Fund Corp.
    1st Place: 1-year return
    Equity Fund Category

As of December 31, 2011

  • ALFM Money Market Fund, Inc.
    1st Place: 1-year return
    Money Market Fund Category
  • Ekklesia Mutual Fund, Inc.
    2nd Place: 1-year return
    Bond Fund Category (Peso Denominated)
  • ALFM Peso Bond Fund, Inc.
    3rd Place: 5-year return
    Bond Fund Category (Peso Denominated)
  • ALFM Peso Bond Fund, Inc.
    2nd Place: 10-year return
    Bond Fund Category (Peso Denominated)
  • ALFM Growth Fund, Inc.
    1st Place: 3-year return
    Balanced Fund Category (Peso Denominated)

As of December 31, 2010

  • ALFM Money Market Fund, Inc.
    1st Place: 1-year return
    Money Market Fund Category
  • ALFM Peso Bond Fund, Inc.
    3rd Place: 1-year return
    Bond Fund Category - Peso Denominated
  • ALFM Peso Bond Fund, Inc.
    3rd Place: 3-year return
    Bond Fund Category - Peso Denominated
  • ALFM Peso Bond Fund, Inc.
    2nd Place: 5-year return
    Bond Fund Category - Peso Denominated
  • ALFM Peso Bond Fund, Inc.
    2nd Place: 10-year return
    Bond Fund Category - Peso Denominated
  • ALFM Growth Fund, Inc.
    2nd Place: 1-year return
    Balanced Fund Category
  • ALFM Growth Fund, Inc.
    2nd Place: 3-year return
    Balanced Fund Category

As of December 31, 2009

  • Philippine Stock Index Fund Corp.
    2nd Place: 1-year return
    Equity Fund Category
  • ALFM Growth Fund, Inc.
    1st Place: 1-year return
    Balanced Fund Category
  • Ekklesia Mutual Fund, Inc.
    3rd Place: 5-year return
    Bond Fund Category (Peso Denominated)
  • ALFM Peso Bond Fund, Inc.
    2nd Place: 10-year return
    Bond Fund Category (Peso Denominated)
  • ALFM Dollar Bond Fund, Inc.
    3rd Place: 3-year return
    Bond Fund Category (Foreign Currency Denominated)

Disclaimer

A Mutual Fund is an open end investment company registered with the Securities and Exchange Commission (SEC) in which the investible cash of numerous investors are pooled in a specific fund ("Fund") with the aim of achieving a specific investment objective. The Fund is NOT a DEPOSIT product and is not an obligation of, or guaranteed, or insured by the Fund Manager, and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Due to the nature of the investments, yield and potential yields cannot be guaranteed. Any income or loss arising from market fluctuations and price volatility of the securities held by the Fund, even if invested in government securities, is for the account of the investor. As such, shares of the investor in the Fund, when redeemed, may be worth more or be worth less than his/her initial participation/contribution. Historical performance, when presented, is purely for reference purposes and is not a guarantee of future results. The Fund Manager is not liable for losses, unless upon willful default, evident bad faith or gross negligence. Investors are advised to read the Prospectus of the Fund which may be obtained from authorized distributors before deciding to invest.

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