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This fund is for you if:
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Frequently Asked Questions
How much will I earn if I invest in
mutual
funds? Are the returns guaranteed?
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.
How long is the maturity period for
mutual
funds?
Mutual funds do not have maturity periods. This means that the shareholders can actually sell their shares in any banking day.
Most mutual funds, however, charge exit fees for short-term investors and it varies from fund to fund. Normally less than 6 months.
Are mutual fund investments covered by
the
PDIC?
No. A mutual fund is not a deposit product; therefore, it does not need to be covered by the PDIC. However, mutual fund shareholders are entitled to their proportional share in the total assets of the fund.
The PDIC on the other hand, can only insure up to P500, 000.00 of your total deposits with a bank and not your entire investment amount. Moreover, mutual funds are liquid instruments as these are invested in marketable securities.
Can I lose money in mutual funds? Is my
investment secured?
As with any investment instrument, investing in mutual funds involve a certain amount of risk. Stock and bond prices go up and down daily so does the value of your mutual fund investments. Depending on market conditions, there may be periods when the value of your investment can be lower than the actual amount that you invested.—“paper loss”. But unless the investor redeems these shares, these paper losses will not be realized.
Additionally, there are ways in which fund managers apply investment strategies in order to seize opportunities and avoid losses, and while there are risks in mutual fund investing, the returns can also be very rewarding most especially in the long-run.
Will my investment lapse or expire if I
cannot invest monthly?
No. 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.
