What are Mutual Funds?

Mutual Funds make investing very simple and easy for anyone to start working towards their financial goals. They are professionally-managed pooled funds that are invested in different financial securities such as equities, bonds, money market instruments or other marketable financial instruments. A mutual fund may be invested in not only local, but also international securities. There are various types of mutual funds to choose from based on objectives, risk profile and time horizon.

Invest the easy way with Rampver Online!

Sign up and invest at the convenience of your laptop or smartphone, no paper forms needed!

For as low as ₱1,000, you can participate in the earnings potential of the largest companies in the Philippines such as SM, Globe, Ayala Land, Meralco, BPI, BDO, Jollibee, and many more!

Benefits of Investing in Mutual Funds


Investments are automatically spread across multiple financial securities thus reducing risk.

Low Capital Requirement

Investors can open a mutual fund account for as low as Php 1,000 only.

Safe and Secure

Mutual Funds are regulated by the Securities and Exchange Commission ensuring safe and secured investments.


Mutual funds are handled by experienced fund managers who are exposed in financial studies and research.

High Potential Returns

Mutual Funds provide higher returns than a savings account being diversified and professionally-managed.

Highly Liquid

Mutual Fund shares can be easily redeemed within 2-3 banking days only.

Types of Mutual Funds

Money Market Funds

Mainly invested in short-term debt instruments and cash equivalents.

Suitable for conservative investors

Bond Funds

Primarily invested in government and corporate bonds.

Suitable for conservative investors

Balanced Funds

A mutual fund that invests in both bonds and stocks funds.

Suitable for moderate investors

Stock Funds

Invested in stocks of different local and global companies.

Suitable for aggressive investors

Types of Investors

Conservative Investors

Short-term investors with a low-risk appetite who are amendable to modest returns.

Moderate Investors

Medium-term investors who are willing to stay invested in bond and stocks.

Aggressive Investors

Long-term investors with a high risk appetite, goal is maximizing their earnings potentials.

Our Recommended Funds

Frequently Asked Questions

If it’s your first time to invest, we recommend investing in products (ie: Mutual Funds) that are actively managed, liquid and diversified. We are delighted to inform you that Rampver is partnered with the best mutual fund providers in the country.

To learn more and know which Mutual Fund is right for you, please fill out this form or contact us at [email protected]. An account officer will reach out to you through email within 1-2 business days.

The account officer will guide you through the process of choosing the right Mutual Fund product based on your risk profile, time horizon, financial needs and other goals. Once you have decided, you simply need to submit a few requirements before you can proceed to funding your investment. Your account officer will update you with the status of your investment application within 1-2 business days.

Mutual funds can provide several benefits for investors. They offer diversification by investing in a wide range of securities, reducing the risk of loss. Additionally, mutual funds are managed by professional portfolio managers who have expertise in making investment decisions, potentially leading to better returns for investors.

Investing in mutual funds is easily accessible and offers a low barrier to entry, allowing individuals to start investing with small amounts of money. Furthermore, mutual funds offer liquidity, meaning investors can buy or sell shares at any time, making it easier to access their money when needed.

Mutual funds are NOT fixed-income investments and therefore do not pay guaranteed return. Mutual funds are invested in stocks or corporations issued by the government where prices differ daily. As a result, the value of your investment also fluctuates depending on the performance of its underlying instruments. While funds’ earnings are not fixed average of 6-18% a year, the potential for investor to earn is higher.

Mutual Funds are well-diversified as it is invested in a basket of securities. Historically, mutual funds outperformed traditional time deposit placements or short-term money-market funds.

Mutual Funds do not have lapsing periods or expiry dates. It does not have a strict investing schedule that you must follow. You can invest monthly, quarterly, annually — it all depends on the investor when he/she will invest.

Though not required, Rampver recommends that investors should top-up their investments regularly to capture different market prices, thus maximizing the earnings potential of their investment. This also forges the discipline of investing regularly.

Your investment will form part of your estate and will be distributed to your heirs accordingly. However, much like any investment instrument, it will be subject to estate tax. It would be more practical if you could assign a co-investor upon account opening to ease the transfer of funds should something unfortunate happen to the primary investor.

Got more questions?

Inquire now!