Top Performing UITFs in the Philippines as of September 30, 2015

Unit Investment Trust Funds, popularly referred to as UITFs are pooled funds similar to Mutual Funds, only it is managed by Banks.

Here are the Top Performing UITFs in the Philippines from UITF.com.ph as of September 30, 2015.

Top 5 Equity Funds (Year-to-Date)

Bank Fund Name ROI
Bank of the Philippine Islands BPI Philippine High Dividend Equity Fund -0.51%
China Banking Corporation CBC EQUITY FUND -0.53%
Bank of the Philippine Islands BPI Equity Value Fund -1.40%
Bank of the Philippine Islands Odyssey Tax-Exempt Philippine Equity Fund -2.59%
Bank of the Philippine Islands Odyssey Philippine Equity Fund -2.87%

Top 5 Balanced Funds  (Year-to-Date)

Bank Fund Name ROI
Philippine Bank of Communications BEST BALANCED FUND 1.30%
Development Bank of the Philippines GINTONG SIKAP SECURE FUND 0.55%
Bank of the Philippine Islands BPI Balanced Fund 0.08%
Bank of the Philippine Islands Odyssey Diversified Capital Fund -0.53%
Robinsons Bank RBank Balanced Fund -0.54%

Top 5 Intermediate Term Bond Funds (Year-to-Date)

Bank Fund Name ROI
Security Bank Corporation SB Intermediate Term Peso Bond Fund 2.35%
Portfolio Duration: 0.71 year(s) as of 2nd quarter of 2015
Union Bank UnionBank Infinity Prime Fund 1.85%
Portfolio Duration: 2.41 year(s) as of 2nd quarter of 2015
Union Bank UnionBank Medium Term Fixed Income Portfolio 1.65%
Portfolio Duration: 2.28 year(s) as of 2nd quarter of 2015
Bank of the Philippine Islands BPI Premium Bond Fund 1.29%
Portfolio Duration: 1.26 year(s) as of 2nd quarter of 2015
China Banking Corporation CBC INTERMEDIATE FIXED-INCOME FUND 1.24%
Portfolio Duration: 0.04 year(s) as of 2nd quarter of 2015

Top 5 Medium Term Bond Funds (Year-to-Date)

Bank Fund Name ROI
BDO Unibank, Inc. BDO PESO FIXED INCOME FUND 3.49%
Portfolio Duration: 3.27 year(s) as of 2nd quarter of 2015
BDO Unibank, Inc. BDO PESO BOND FUND 2.96%
Portfolio Duration: 3.32 year(s) as of 2nd quarter of 2015
Asia United Bank Peso Investment Trust Fund 2.62%
Union Bank UnionBank Philippine Peso Fixed Income Portfolio 1.91%
Portfolio Duration: 3.97 year(s) as of 2nd quarter of 2015
BDO Unibank, Inc. BDO MERIT FUND MEDIUM TERM PORTFOLIO 1.81%
Portfolio Duration: 3.65 year(s) as of 2nd quarter of 2015

Top 5 Long Term Bond Funds (Year-to-Date)

Bank Fund Name ROI
AB Capital AB CAPITAL PREMIUM FUND 6.29%
Portfolio Duration: 1.09 year(s) as of 3rd quarter of 2015
Union Bank UnionBank Long Term Fixed Income Portfolio 2.76%
Portfolio Duration: 4.44 year(s) as of 2nd quarter of 2015
Union Bank UnionBank Tax Exempt Portfolio 2.62%
Portfolio Duration: 2.65 year(s) as of 2nd quarter of 2015
Bank of the Philippine Islands ABF Philippines Bond Index Fund 1.72%
Portfolio Duration: 7.61 year(s) as of 2nd quarter of 2015
Security Bank Corporation SB PESO BOND FUND 1.58%
Portfolio Duration: 5.04 year(s) as of 2nd quarter of 2015

Disclaimer: Past performance is not an indication of future results. There are several risks associated with investing in mutual funds which are further discussed and enumerated in the fund’s prospectus. Please read the fund’s prospectus before you start investing. 

Top Mutual Funds in the Philippines as of September 30, 2015

As of September 30, 2015, the Philippines has a total of 54 active Mutual Fund Companies as per Philippine Investment Fund Association (PIFA).

top performing mutual funds in the philippines
Top 5 Equity Funds Year To Date

Fund Name NAVPS YTD Return
United Fund, Inc. 3.1352 -3.59%
Philippine Stock Index Fund Corp. 767.82 -4.77%
Philequity PSE Index Fund Inc. 4.5688 -5.12%
First Metro Save and Learn Equity Fund,Inc. 5.2842 -5.17%
ALFM Growth Fund, Inc 245.41 -6.06%

Top 5 Balanced Funds Year To Date

Fund Name NAVPS YTD Return
Cocolife Dollar Fund Builder, Inc. $0.03506 1.33%
Bahay Pari Solidaritas Fund, Inc. 2.0028 -1.53%
First Metro Save and Learn Balanced Fund Inc. 2.7115 -3.16%
PAMI Horizon Fund, Inc. 3.5733 -4.30%
Sun Life of Canada Prosperity Balanced Fund, Inc. 3.5974 -4.34%

Top 5 Bond Funds Year To Date

Fund Name NAVPS YTD Return
Cocolife Fixed Income Fund, Inc. 2.5113 3.76%
ATR KimEng Total Return Bond Fund Inc. $1.0864 2.23%
Ekklesia Mutual Fund Inc. 2.0529 1.69%
ALFM Dollar Bond Fund, Inc. $415.12 1.69%
Grepalife Fixed Income Fund Corp. P 1.6448 1.43%

Top 10 Mutual Funds in the Philippines as of September 30, 2015

Fund Name Fund Type NAVPS 5 yr. Return
1 Bahay Pari Solidaritas Fund, Inc. Balanced Fund 2.0028 13.49%
2 Philequity PSE Index Fund Inc. Equity Fund 4.5688 11.73%
3 Philequity Fund, Inc. Equity Fund 33.631 11.64%
4 Philippine Stock Index Fund Corp. Equity Fund 767.82 11.27%
5 First Metro Save and Learn Equity Fund,Inc. Equity Fund 5.2842 10.57%
6 First Metro Save and Learn Fixed Income Fund,Inc. Bond Fund 2.2119 9.43%
7 NCM Mutual Fund of the Phils., Inc Balanced Fund 1.7819 8.68%
8 Sun Life Prosperity Philippine Equity Fund, Inc. Equity Fund 3.806 8.57%
9 ATRAM Dynamic Allocation Fund, Inc. Balanced Fund 1.765 8.53%
10 First Metro Save and Learn Balanced Fund Inc. Balanced Fund 2.7115 8.40%

Disclaimer: Past performance is not an indication of future results. There are several risks associated with investing in mutual funds which are further discussed and enumerated in the fund’s prospectus. Please read the fund’s prospectus before you start investing.

Winning Strategies to Getting Out of Debt

Debts, especially credit card debts, have become a real part of the modern day life.

Many of us had fallen to the trap of this modern day slavery – perhaps of our own doing or due to some outside forces that we have little or no control of. Nevertheless, these debts have been putting a lot of stress in many peoples day to day lives – directly affecting the quality of their lives.

With this video, Registered Financial Planner Marvin Germo discuss some tips that we may follow to get out of this unwanted financial mess.

Here are some insights that our worth highlighting.

Take inventory of all of your debts

To further understand the facts of our debts, laying them all, written in a paper will allow us to see clearly our current financial circumstances.

Also, this activity will help us see the debts that charge the highest interests, which we should prioritise to pay, and manage those that are not interest-heavy.

Marvin and the hosts also talks about an option on making compromise with the lending institutions in removing the interests on existing loans, but emphasized that this route is not easy to take.

Though it may be true that nobody gets to jail by not paying debts, having bad credit records will forgo future opportunities of borrowing funds for future endeavours like buying a house, a car, and so on.

Sell unnecessary stuffs at home

In most households, there are items that just idle in closets, cabins, and many areas of the house. Marvin suggested to just sell those stuffs and use the proceeds in paying off debts.

We may use OLX to sell these pre-loved items.

Look at your budget

Debts are often incurred due to how we spend and on the things that we spend on. It is very important to look at our budget and remove the unnecessary expenses.

What’s important is that we do things regularly and consistently for a long period of time. As long as we have the drive and determination to be debt-free, everything is possible.