Investing Made Easy
Sun Life Prosperity Funds make investing simple, accessible
and affordable. As an investor of the fund, you will
benefit from a wealth of advantages:
- Affordability: With a minimum investment
of Php 10,000, an investor gains affordable access
to high caliber investment management that is usually
reserved for corporations, institutions and the very
wealthy.
- Professional Portfolio Management: Each Sun
Life Prosperity Fund is managed by top-notch investment
professionals who focus solely on maximizing your
returns over the long term. You have Sun Life Financial's
investment experience, commitment and research capabilities
working for you.
- Wide Range of Choices: Only the Sun Life
Prosperity Funds offer a unique "family" of funds
to choose from.
- Diversification: Each fund is comprised of
various investments in order to minimize volatility.
- Flexibility: Our family of funds allows you
to modify your investment strategies over time, by
letting you transfer from one fund to another as much
as four times a year, at no cost.
- Liquidity: Mutual fund shares can be sold
on any business day, at the current market value of
the funds shares.
The Sun Life Prosperity Funds is the first "family
of mutual funds" to be launched in the Philippines.
Whether you are seeking long-term capital growth, preservation
of capital and added-income, mixed or both, and whether
you have a strong tolerance to investment volatility
or not, we have a fund that's right for you.
Placing one's money in a family of funds gives an individual
a lifetime of investment flexibility. As an investor,
you may choose to transfer your money from one fund
to another, as your needs dictate, as much as four times
a year, without paying any fees.
Global Expertise
Sun Life Financial ranks among the largest global
insurance and wealth management organizations with assets
under management of more the CDN$ 359.6 Billion1,
and credit ratings that place it at the top of the financial
services sector in North America. With international operations,
subsidiaries and joint ventures serving millions of people in
Canada, the United States, the United Kingdom, Hong Kong, the
Philippines, Indonesia, India, and China, Sun Life Financial
is a global force in financial services.
Responsiveness To Client Needs
Sun Life Prosperity Funds representatives use a
tool, the Investor Profile Questionnaire, which assesses
an individual's investment characteristics and preferences.
It measures an investor's sensitivity to risk, investment
time frame, stage of life, financial situation, priorities
and goals. This questionnaire is a prerequisite to investing
in the Funds, and is used by mutual fund representatives
to help investors choose the Funds that would best suit
their needs.
Sales Load Options
Other mutual funds in the Philippines require the
investor to pay a sales charge (upon purchase of shares)
and an exit fee (upon redemption). Though this option (Option C)
is also available for the Sun Life Prosperity Funds, ours
is the first family of mutual funds in the country
that gives you a choice between paying the sales charge
upon purchase of shares (Option A or front-end sales
load) or upon redemption of shares (Option B or back-end
sales load).
The front-end sales load or Option A depends upon the
amount of money being invested. The back-end sales load
or Option B, on the other hand, is on a decreasing annual
basis. This means that the longer you remain invested
in the fund, the less sales charge you will have to
pay. If you retains your money with the fund for more
than 7 years, you actually avoid paying a sales charge
altogether.
You can also choose to purchase shares under Option C.
This option allows you to pay a lower sales charge upon
entry (compared to Option A), and a lower sales charge
upon redemption (compared to Option B). As well, the sales
charge upon redemption will only be paid if you redeem in
less than 2 years. The minimum initial investment for this
option, however, may be higher than that of Option A or B.
Sun Life Prosperity
Bond Fund
The Sun Life Prosperity Bond Fund is recommended for
the conservative investor. The fund is designed to generate
regular income and capital preservation through placements
in government and high quality corporate fixed-income
instruments that are classified as below average risk.
Risk factors associated with bond funds are the rise
and fall of interest rates due to market conditions.
If interest rates fall, bonds generally rise in value.
On the other hand, if rates rise, bonds generally fall
in value. The effect is much more evident on long-term
bonds than on short bonds.
Sun Life Prosperity
Balanced Fund
The Sun Life Prosperity Balanced Fund is for investors
who prefer a mixture of income and capital appreciation.
This fund provides current income and capital growth
by allocating investments across several kinds of assets
such as stocks, bonds, and the money market. Stocks
provide the capital growth potential, while cash and
bonds offer stability and income. This way, as our client,
you will have more protection than if you were to invest
solely in bonds or equities.
Sun Life Prosperity
Philippine Equity Fund
The Sun Life Prosperity Philippine Equity Fund is our
answer for clients who desire long-term growth potential.
This fund seeks to produce long-term capital appreciation
through investments in high quality stocks that are
diversified across sectors. The fund will be placed
mainly in high quality Philippine equities, with the
option of investing in fixed-income securities that
the fund managers deem appropriate. The risk inherent
in an equity fund is connected with the volatility of
the Philippine stock market, and changes in the prices
of stocks may vary substantially over the short term.
History shows, however, that returns in the stock market
consistently outpace the effects of inflation.
Sun Life Prosperity
Money Market Fund
The Sun Life Prosperity Money Market Fund is for investors
who are ultra-conservative. This fund’s objective is to
maximize income as is considered consistent with capital
protection. It invests solely in short-term fixed-income
Peso denominated instruments issued by the Philippine
government, commercial papers issued by corporations within
the Philippines, certificates of deposit, and the like.
Sun Life Prosperity GS Fund
The Sun Life Prosperity GS Fund is for investors who prefer
to invest in instruments that have a sovereign guarantee.
This fund’s objective is to maximize income as is considered
consistent with capital protection. It invests solely in
short-term fixed-income Peso denominated instruments issued
directly by the Philippine government.
Sun Life Prosperity
Dollar Advantage Fund
The Sun Life Prosperity Dollar Advantage Fund is developed
especially for the investor who desires to invest in
foreign exchange denominated securities. It is a dollar
denominated balanced fund that utilizes
an active asset allocation strategy which enables the
investment manager to target those asset classes that
are expected to perform well over time, enabling you,
as our investor, to benefit from both fixed-income and
equity market appreciation.
Sun Life Prosperity
Dollar Abundance Fund
The Sun Life Prosperity Dollar Abundance Fund is for
conservative investors who prefer investing in foreign
exchange denominated instruments. This fund is a dollar
denominated bond fund and is thus a more suitable fund
for those who are more comfortable with the fixed-income
earnings of bond instruments and don’t like the potential
volatility of equity investments.
Note:
1 as of end-December 2004.
