Mutual Fund PH has been online for more than a year now. From then, I have been focusing my articles in sharing with you guys the things that I’ve learned in a manner that I believe is understandable for people without any financial background. If you could remember, I even conducted a free webinar to better explain how mutual funds work (just unfortunate that I wasn’t able to retrieve the recording).
But still, that wasn’t enough. The concept underlying Mutual Funds is so broad that an article, or even series of articles won’t be enough to fully explain the beauty of this investment instrument. These concepts are not really that complicated comparing to other forms of investments, it’s just that without an organized way of explaining everything, from the roots to the fruits, understanding mutual funds seemed very overwhelming.
With that, here is an attempt once more.
I am now in the process of writing an ebook with a working title of “A Comprehensive Guide to Investing in Philippine Mutual Funds“.
This ebook will contain all the necessary information for you to understand how mutual funds work, know the different strategies in investing in mutual funds, and the practical uses of mutual funds in planning your finances, amongst the many topics that I will be covering. This ebook is all you’ll ever need in understanding the ins and outs of mutual funds. Writing everything, I have the perspective of a non-finance person in mind. Thus, it’s a promise that I will be explaining everything in layman’s terms.
However, unlike the Free Webinar, this ebook will be sold for a fair price considering the value it will give to you.
And as I have solicited in our Facebook page, if there are questions in mind and topics you would want me to include in this ebook, just use the comment form below to let me know.
Also, if you want to receive updates on how this is pushing through, just subscribe to the link below so I can email you how it is going, and who knows, I might give some discount on the first day of sale. You’ll be the first one to know.
Subscribe HERE
I have assessed to complete this project in three months. With that, I would appreciate any suggestions you have in mind to make this ebook as value-adding as I hope it would be.
Happy Investing 
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About Nick Raquel
Are all fund managers honest in dealings with their investors, say for example: some equities sold without sales load (pip). They say no charge, if the fund is to be invested for five years straight. However, I read some comments, yes, they said it (no sales load), but I noticed the unit value per share is a little up. My thinking is, the cost (pip) has been already attached to the share itself, thereby reflecting it has no sales load, but in reality it has, only to encourage the investor to invest for long time horizon. Are they (fund manager/brokers) honest?
Hi Ruperto, I can’t answer that question
However, on the setup mandated by law, where fund managers does not have access to cash, and cash is in the custody of independent banks, the risk of having fund manager fraud is less likely. Remember that Financial Statements are audited regularly by independent auditors.
As to the sales load concern, I think Sunlife implements such kind of sales load scheme. It’s basically a back-end sales load type of mutual fund wherein the fee diminishes over time. Every mutual fund company has the call on what sales load scheme they will implement. Just ensure that these are clearly laid out in the prospectus.
Sales load are basically attributed to marketing – commission to agents, brokers, and other marketing expenses.
The Fund managers make money by imposing Management Fees in your funds, however, this is already incorporated in your NAVPS. Thus, it is less likely to be noticed. The annual rate of the management fees varies from every fund manager.
Does this answer your question?