Investment

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 3%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.

1 1-year Time deposit rate of the top 3 banks as of December 31, 2013
2 2013 Full year Inflation rate according to National Statistics Coordination Board (NSCB)

Contact a Philam Life Financial Advisor

Contact us at (02) 528-2000 or
email us at philamlife@aia.com.

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 funds expertly managed by Philam Asset Management Inc. (PAMI) funds, which have grown 8% to 15% yearly1 over the past 10 years. And unlike bank deposits, Money Tree offers guaranteed life insurance to secure your family’s future.


Ride on the Growth of the Philippine Economy
  • Growth prospects remain high for the Philippines as it is expected to continue to perform well in the future with its solid economic fundamentals. The country is projected by HSBC to be the largest economy in South East Asia, 5th largest in Asia and the 16th largest in the world by 2050.2

Grow your Money’s Value over the Long Term
  • Earn more than your regular bank deposits and beat inflation to grow your money’s value for your long-term needs. With the positive outlook on Philippine economy, the local investment market is expected to reach new highs moving forward.

Gain from Professional Fund Management
  • Benefit from the investment expertise of PAMI, which actively manages your portfolio to provide you superior yields on your investment.

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 10-year annualized return of PAMI Philam Strategic Growth Fund, PAMI Philam Fund and PAMI Philam Bond Fund up from December 31, 2003 to December 31, 2013.
2 HSBC Global Research, “The World in 2050”



Click the image above to watch how MoneyTree can grow your money better than banks.
Download Money Tree Brochure
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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 Rider
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.

 

For you to understand our products better, below is a sample Timeline Illustration of Benefits for Money Tree.

Illustration of Benefits - 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 have grown 8-15%1 yearly and has a guaranteed life insurance to secure your family’s future.

1 10-year annualized return of PAMI Philam Strategic Growth Fund, PAMI Philam Fund and PAMI Philam Bond Fund up from December 31, 2003 to December 31, 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:

Type of Fund Investment Type Client Profile
PAMI Philam Bond Fund Peso fixed income instruments Conservative client wishes to have higher earnings compared to traditional savings accounts and time deposits and can accept minimal fluctuations in the value of his investments
PAMI Philam Fund Philippine equity securities and fixed income instruments Client with balanced risk appetite desires to attain medium to long-term capital growth and can accept moderate fluctuations in the value of his investments
PAMI Philam Strategic Growth Fund Philippine equity securities Client comfortable with risk seeks maximum capital growth over the long term and can ride out greater fluctuations in the value of his investments

Click here to view PAMI’s latest fund performance.

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.