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.

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

75% Philippine Special Savings Rate, net of tax
25% BPI Philippines Government 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
 

MONEY MARKET FUND SEGMENT NAV VS. ALFM MONEY MARKET FUND 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 should be at least PhP100,000.00

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

75% 91-day Philippine T-Bill, net of tax
25% BPI Philippine Government 1-5 Year Index

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
 

PESO BOND FUND SEGMENT NAV VS. ALFM PESO BOND FUND NAV

 

ALFM EURO BOND FUND

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.

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

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
 

EURO BOND FUND SEGMENT VS. ALFM EURO BOND FUND 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 90% of its net assets in equity securities under normal market conditions.

Benchmark

90% BPI Philippine Equity Total Return Index
10% 91-day Philippine T-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

 

ALFM DOLLAR BOND FUND

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.

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.

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

3-month U.S. T-Bill plus 1%, net of tax.

 

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
 

DOLLAR BOND FUND SEGMENT NAV VS. ALFM DOLLAR BOND FUND 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
 

PHIL. STOCK INDEX FUND SEGMENT NAV VS. ALFM PHIL. STOCK INDEX FUND NAV

 

Fund Performance Reports

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RETURNS CALCULATOR




NAVPS Tracker


FUND TRACKING TOOLS

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ALFM Mutual Funds consists 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 allows you to diversity at a low cost.

ALFM Mutual Funds pools 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 ExpressOnline, you can access your ALFM investment account anytime, anywhere.

An investor may enroll his ALFM investment account/s in the BPI ExpressOnline (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.

Here is a quick overview of the steps that you should undertake:

Step 1: Take the Client Suitability Assessment (CSA). The test is purely for risk classification purposes and will take five (5) minutes to complete.

Step 2: Fill out the Client Information Sheet.

Step 3: Our Mutual Funds Sales Agent will contact you for a free financial consultation.

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 here by 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 Funds Sales Agent will contact you for your free financial consultation.

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 Funds Sales Agent will contact you.

For further inquiries, kindly contact us at:
E-mail address: bpi_investment@bpi.com.ph
Contact Nos.: 506-0889, 975-6457, 506-0913

QUESTION:What is a mutual fund and why should I invest in it?

Answer: Mutual funds are investment opportunities that give you better returns compared to a bank’s time deposit. Mutual funds can be divided into four distinct types: bond funds, equity funds, balanced funds and money market funds. When you invest in a mutual fund, you get instant diversification for your cash. What’s more, mutual funds require only a minimal investment and the gains you get are tax-exempt.

QUESTION: Why should I diversify?

Answer: Just like the old saying “don’t put all your eggs in one basket,” diversity is important so that you take less risk for your finances. By diversifying, your risk is spread out to different investments, allowing you to get potential high returns without taking additional risks.

QUESTION: Sounds great! How do I invest in a mutual fund?

Answer: Mutual fund shares can be bought through the Certified Investment Solicitors (CIS), which are licensed by the SEC. ALFM Mutual Fund shares are distributed via BPI Investment Management, Inc., BPI Capital Corporation and BPI Securities Corporation. You can buy shares at any BPI or BPI Family Savings Bank branches throughout the country.

QUESTION: How do I track my investment? What is the NAVps?

Answer: Your investment can be tracked via the Net Asset Value per share (NAVps). The NAVps is the current price of a mutual fund share. It changes daily and is calculated at the end of the trading day.
To get the NAVps, the net of the fund’s total assets minus its liabilities is divided to the number of outstanding shares.
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.

QUESTION: What is a benchmark?

Answer: Each mutual fund is compared to a benchmark to see how it is performing. The objective of the mutual fund is to give better returns than its benchmark.

ALFM Mutual FundBenchmark
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 Treasury Bill
ALFM Dollar Bond Fund 50% 3-month U.S. Treasury Bill and 50% JP Morgan Asia Credit Philippines Total Return Index
ALFM Growth Bond Fund 90% Philippine Stock Exchange index (PSEi) and 10% return of the 91-day Teasury Bill
Philippine Stock Index Fund Philippine Stock Exchange Composite Index (PSEi)


1. What do you want 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.

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4. Whats 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 ascorporate bonds 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.

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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.

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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

Ready to invest? want to know more?
Portfolio Builder
 

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 Modetately Conservative Investors:

recommended asset allocation

  • Cash and Cash
    Equivalents

    20%

     
  • Fixed Income
    Investments

    70%

     
  • Equity
    Investments

    10%

     
 
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  • facebook
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your risk profile is:

Moderately Conservative

Ready to invest? want to know more?
Portfolio Builder

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 Conservative Investors:

recommended asset allocation

  • Cash and Cash
    Equivalents

    10%

     
  • Fixed Income
    Investments

    70%

     
  • Equity
    Investments

    20%

     
 
  •  
  • facebook
  • twitter
  • googleplus
 

your risk profile is:

Moderately Aggressive

Ready to invest? want to know more?
Portfolio Builder

Investment Objective

The portfolio seeks to achieve appreciation of capital over time.

 

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%

     
 
  •  
  • facebook
  • twitter
  • googleplus
 

your risk profile is:

Aggressive

Ready to invest? want to know more?
Portfolio Builder

Equity Fund: Moving Forward - August 19, 2015

Archive

  • August 19, 2015Equity Fund: Moving Forward

  • August 19, 2015Managing Bond Fund

     Fund Manager Jose Mari Valmayor discusses opportunities for investing in bond funds.

  • August 19, 2015A guide to maximizing your investments

  • August 19, 2015What to expect in the stock market in 2015

  • August 19, 2015Fixed Income Market expected to trend up this year

Risk Profile : Conservative

Risk Profile : Conservative

Fund Name Investment Amount Market value after 3 yrs* Percentage
ALFM Money Market Fund - - -
ALFM Peso Bond Fund - - -
ALFM Dollar Bond Fund or ALFM Euro Bond Fund - - -
ALFM Growth Fund - - -
Philippine Stock Index Fund - - -
Total - -  

How much do you want to invest?

What is your risk profile?

Conservative
Moderately Conservative
Moderately Aggressive
Aggressive
View your Mutual Fund Portfolio

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 andExchange 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 isNOT a DEPOSIT product and is not an obligation of, or guaranteed, or insured by the FundManager, 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. Historical performance, when presented, is purely for reference purposes and is not a guarantee of future results.

What are Mutual funds

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UPDATES FROM THE FUND MANAGER

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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 its 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....