Investment
We help you grow your money to help you achieve your dreams.
Investing your money is a smart move. It's something you do today, to plan for your future financial needs.
We understand how important it is to have the financial resources that will allow you and your family to live the kind of life you deserve. That's why we have designed a line of investment plans that will help you achieve your goals. Our investment plans offer you smart solutions to address your budget, your needs, and ultimately, your goals at different life stages.
To know about the performance of our funds, you may download our:
2009 Variable Life (VUL) Funds Performance Report 2010 Variable Life (VUL) Funds Performance Report
Contact a Philam Life Financial Planner
Contact us at (02) 528-2000 or
email us at philamlife@aia.com.
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Our Investment Plans
We grow your money for a prosperous and protected life.
You want your funds to be cultivated by the right hands. Invest your money with Philam Life’s Money Tree and reap the abundant fruits of your savings.
Easy Start Up to Build Your Investment
- For as low as P125,000, you can enjoy an investment plan that combines high potential returns and guaranteed insurance protection.
- You only need to pay once to be on the road to fulfilling your dreams.
Customizable Plan with High Potential Returns
- You can participate in potentially high-yielding investment funds and customize your investment to suit your unique financial goals.
- You can increase your investment anytime you have extra cash through our top-up premium option.
- You are assured that your money will be managed by professional and reputable asset managers.
Guaranteed Life Protection
- You can protect yourself from the unexpected with its flexible life insurance coverage of at least 125% of your single premium.
- You will also get accident & health coverage of 125% of your single premium.
With Money Tree, you can now maximize the potential of your investment and achieve your dreams while enjoying guaranteed life protection.
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, 20 years, or until you turn 65. You may also renew this plan as it expires. Please click here to learn more about the product.
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: Money Tree is a peso-denominated, single premium (one-pay) variable life insurance product that allows the policyholder/ insured to participate in the potentially high returns of the financial markets by providing the following wide array of investment funds that will cater to the risk-appetite of the client:
- Philam Life Fixed Income Fund (PFIF)
- Philam Life Balanced Fund (PBF)
- Philam Life Equity Fund (PEF)
Q: What is the composition of these funds?
A: For better perspective, here are the composition of these funds:
- Philam Life Fixed Income Fund – This fund invests primarily in high-grade interest-bearing bonds that present low to moderate levels of risk. It aims to provide a stable return over the medium- to long-term, and preserve capital by investing primarily in fixed-income securities issued by the government and reputable corporate issuers.
- Philam Life Balanced Fund – This fund contains a balanced investment in performing bonds and equities available in the market. This fund is for the policyholder with an investment objective of long-term capital appreciation by investing in equities, equity-related securities and debt securities
- Philam Life Equity Fund – This fund is for the policyholder with an investment objective of capital appreciation over a long-term investment horizon, and the risk appetite for the stock market. Its objective is to achieve capital growth by investing in an efficient and diversified portfolio of predominantly growth companies, while including appropriate value stocks.
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 deem best. You have also convenient access to your money through partial or full withdrawals of your account
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.