Why do we need to

invest?

Financial Independence

Low Interest Rates

10.000
9.000

0.80% p.a.

8.000
7.000

78 years
to double your money

6.000
5.000
4.000
3.000
2.000
1.000

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

2002

2001

2000

0.000

Reality of Inflation

P129/order

P99/order
+2.68% every year

What should I invest in?

Philippine Composite Index (PSEi) 1987-present

01/05/2016

30-year horizon:
17.7x growth
1,671% return

01/05/2015

01/05/2014

01/05/2013

01/05/2012

01/05/2011

01/05/2010

01/05/2009

01/05/2008

01/05/2007

01/05/2006

01/05/2005

01/05/2004

01/05/2003

01/05/2002

01/05/2001

01/05/2000

01/05/1999

01/05/1998

01/05/1997

01/05/1996

01/05/1995

01/05/1994

01/05/1993

01/05/1992

01/05/1991

01/05/1990

01/05/1989

01/05/1988

01/05/1987

Stocks: Best Performing Investment

7,877

440

Two Ways to Invest

Direct

Indirect

Listed Stocks

Mutual Funds

Affordable
(Min: PHP 5,000)
Professionally
Managed

Easy and Convenient

Benefits of
Investing
in Mutual
Funds

Liquid
(Buy/Redeem Anytime)

Diversified

Example of Investment Diversification

*Sample Top Holdings of an Equity Index Fund

Characteristics of Mutual Funds

Not insured by PDIC
SEC-regulated
Returns are not guaranteed
Earnings come from increased NAVPS
Subject to fees and expenses
(e.g. management fee of 1%-2% p.a.)

Gains from sale are tax-exempt

(RA 8424, Section 31. B. of NIRC Code of 1997)

What are the types of

Mutual Funds?

Mutual Funds
Ideal for
Investing

OBJECTIVE

INVESTMENT

Mirror the PSEi

Stocks

Long Term
Capital Growth

Stocks

Income &
Capital Growth

Stocks & Bonds

Income

Bonds

HIGHEST
30.00%
25.00%
20.00%
15.00%
10.00%

5.84%

10.86%

11.39%

14.04%

5.00%
0.00%
-5.00%
-10.00%
-15.00%
-20.00%

Bond

Balanced

Average Annual Positive Returns

Equity

Equity
Index

Average Annual Negative Returns

Based on monthly returns of each fund type from Aug 2006 Aug 2016

LOWEST

HIGHEST

Equity Index Funds

Instant access to the largest

companies

More predictable

Lower fees

Equity Index Funds

Fund Name

Fund Code Management Fee (p.a.)

PAMI Equity Index Fund

XPAIF

1.50%

Philequity PSE Index Fund

XPEIF

1.00%

Philippine Stock Index Fund

XALSIF

1.50%

XSLIF

1.15%1

Sun Life Prosperity Philippine Stock Index Fund

1 includes

0.15% Transfer Agency Fee

When is the right

time to buy a fund?

TODAY!

Problem: Emotions

How should I do it?

Peso Cost Averaging

A personal wealth-building
strategy that involves investing
a fixed amount of money
at regular intervals
over a long period

Easy Investment Program

Peso Cost Averaging

Designed to reduce market risk by stretching out
the purchase of investments over time.
Month 1

Invest Php5,000 in equity index

fund

5
Month 2
Invest Php5,000 in equity index
fund

Month 3
Invest in Php5,000 in equity index
fund

4
Effectively keeping
your average cost
Ave Cost per Share below market price

3
1

Peso Cost Averaging: PSEi

Regular Investment of P10,000 per month*:

Total Capital

Market Value

Last 5 years:

P600,000

P753,576

Last 10 years:

P1,200,000

P2,330,145

Last 20 years:

P2,400,000

P8,010,052

*Figures are based on the actual monthly returns of the Philippine Stock Exchange
Index from August 1996 August 2016

Easy Investment Program Facility

XIF
Index Fund A
5,000

06/01/2016

Automatic

Online Banking

Online Banking

Online Banking

Peso Cost Averaging

Stress Free
Investing

Consistent LongTerm Approach

To help individual investors build genuine

wealth and take control of their financial lives
by providing the proper knowledge, tools and
resources.

1st Fund Supermarket in the

Philippines

ONE STOP SHOP

Just 1 account opening
process

26 Mutual Funds in one platform

1 page view of your

stocks & mutual funds
portfolio
Mutual funds in the
platform are prescreened & from
reputable fund houses
The First Fund Supermarket
in the Philippines

ADVANTAGES OF INVESTING IN MUTUAL FUNDS

THROUGH COL

We provide tools to help

you invest more wisely.

The First Fund Supermarket

in the Philippines

Investing through COL Fund

Source
1. Open a COL Account
2. Understand and Choose the Right Funds
3. Take the Suitability Test
4. Place Order
5. Monitor your Portfolio

The First Fund Supermarket

in the Philippines

Login to COL Financial website

Performance Table

Performance Table

Index Funds

Sample Fund Fact Sheet

Independent Research on
each Mutual Fund
1.
2.
3.
4.
5.

Key Highlights
COL Risk Rating Guide
Fund Manager
Historical Performance
Top Holdings

Consolidated Portfolio

Key Things to Remember

WHY:
Financial
Independence

WHAT:
Invest in the Stock
Market
(Equity Index Fund)

HOW:
Peso Cost Averaging
(Easy Investment
Program)

CALENDAR

Thank you!
www.colfinancial.com
Follow us:

3 easy steps to open a

COL FINANCIAL
ACCOUNT

1 APPLY

2 SUBMIT

3 FUND

Fill-out our
application forms

Submit to our
accounts officers

Fund your COL

account