We help you grow your money to help you achieve your dreams.
Many Filipinos believe that putting their money in bank deposits is the best way to grow their money and keep it safe. The reality is, savings and time deposits are earning 1.375% or less1 annually. With inflation currently at 2.7%2, the purchasing power of your money will diminish over time. Further, if you don’t invest in the right long-term financial products to match your long-term financial goals, then you may not maximize the growth potential of your money.
As your partner in financial management, Philam Life would like to offer you a better option to make your money grow.
11-year Time deposit rate of the top 3 banks as of September 30, 2013
2September 2013 Inflation rate
Contact a Philam Life Financial Advisor
Contact us at (02) 528-2000 or
email us at email@example.com.
Read Philam Life's "Buti na lang" Testimonials
Our Investment Plans
Money Tree is a one-pay investment and life insurance plan that can earn more than bank deposits in the long-term.
It maximizes your money’s growth potential by giving you the opportunity to invest in high-performing funds in the Philippines which is now the fastest growing economy in Asia1 and projected to be the 6th out of the 196 countries in the world2. Over the past ten years, Money Tree funds have earned 8% to 17%3 yearly. And unlike bank deposits, Money Tree offers guaranteed life protection equivalent to 125% of your investment to further secure your family’s future.
Grow your money’s value over the long term
- Go for investments that offer returns higher than inflation to grow your money over time. Bank deposits currently earn 1.375% or less4 annually, while inflation is at 2.7%5.
Ride on the growth of the Philippine economy
- Gain access to an array of professionally-managed investment funds which allow you to participate in the growth sectors of the Philippine economy.
Gain from Professional Fund Management
- Benefit from the investment expertise of Philam Asset Management, combined with Philam Life’s experience in insurance and wealth management, to help you grow your money over the long term.
Enjoy Guaranteed Life Insurance
- Protect yourself and your family with guaranteed life insurance benefit of at least 125% of your initial investment.
Click to learn more about Philam Life's Money Tree!
So don’t let your money sleep. Grow it with Money Tree!
1 Reuters news; Philippine second quarter GDP matches China, on course to beat full-year goal, September 30, 2013
2 Knight Frank and Citi Private Bank, The Wealth Report 2012
3 10-year annualized return of Money Tree funds from September 30, 2003 until September 30, 2013
4 1-year Time deposit rates of the top 3 banks as of September 30, 2013
5 September 2013 Inflation rate
We enhance your protection and security with our add-on benefits.
For a better insurance protection coverage, you may opt to add these benefits to your basic Money Tree plan:
Accident and Health (A&H)
In case of death, dismemberment or total and permanent disability, Accident and Health (A&H) Benefit provides you with additional protection coverage.
Guardian provides additional guaranteed insurance coverage for a specified time period. You may choose to be covered for 1 year, 5 years, 10 years, or until you turn 65. You may also renew this plan as it expires.
Please click here to learn more about the product. (this links to Guardian product page)
For you to understand our products better, below is a sample Timeline Illustration of Benefits for Money Tree.
Below are common Frequently-Asked-Questions (FAQs) about Money Tree that we have compiled for your reference.
Q: What is Money Tree?
A: A one-pay investment and life insurance plan that can earn more than bank deposits over the long term. It gives you the opportunity to invest in funds expertly managed by Philam Asset Management (PAMI) that take advantage of the Philippines’ booming economy. Over the past ten years, PAMI funds have given 8% to 17%1 yearly returns compared to bank deposits earning just 1.375% or less2 annually. It also offers life insurance protection to secure your family’s future.
1 10-year annualized return of Money Tree funds from September 30, 2003 until September 30, 2013
2 1-year Time deposit rates of the top 3 banks as of September 30, 2013
Q: What funds can I invest in through Money Tree?
A: These funds are made to match the different risk-appetites of the client:
|PAMI Philam Strategic Growth Fund||Adventurous Investors||This is a long-term investment that gives superior capital growth through a professionally managed stock portfolio. It is an equity fund that invests in listed or soon to be listed issues in the Philippine Stock Exchange. It is the ideal fund for people who are after capital growth but do not have the expertise or the resources to develop and manage a highly diversified equity portfolio.|
|PAMI Philam Fund||Balanced Investors||This is a complete investment that provides a market responsive combination of stocks and fixed income instruments. It is a balanced fund that provides its shareholders access to the stock market while tempering the market’s volatility with a steady stream of interest income. The fund’s portfolio is a healthy balance between blue chip stocks and fixed income instruments. It is an ideal vehicle for moderate investors who want to avail of the profit opportunities of the stock market but are not totally comfortable with the risks involved in equity investments.|
|PAMI Bond Fund||Conservative Investors||This is a solid investment that gives higher earnings compared to traditional fixed-income savings products. The fund’s portfolio is composed of government securities and high-grade commercial papers. The investment focus of the fund is capital preservation.|
Q: Who is PAMI?
A: Philam Asset Management, Inc. (PAMI) is a leader in asset management in the Philippines, managing nine (9) funds from different asset classes and is a major contributor to the development of the Philippine mutual fund industry
Wholly-owned by Philam Life, the country’s premier life insurance company and member of the AIA Group, a leading life insurer in Asia region, PAMI gives mutual fund shareholders superior yields through active management, diversification and investment expertise. To know more about PAMI, you may visit their website at www.philamfunds.com.ph.
Q: Can I add to or withdraw my investments?
A: With Money Tree you have the flexibility to make additional investment or top-ups, or switch investments from one fund to another as you see fit. You have also convenient access to your money through partial or full withdrawals of your account value.
Q: How will I know how much my account value is?
A: Philam Life will send you a Statement of Account at least on an annual basis. Aside from this, you can check your fund’s Net Asset Value Per Unit (NAVPU) anytime through our Fund Performance Section or through our VUL Customer Hotline (02) 528-2028.