Years ago, investing in international markets would
have been complicated, expensive and impractical - but
the world has changed. Rapid advances in communications
technology and the falling of trade barriers worldwide
have resulted in an explosion of investment opportunities
available to the Filipino investor.
Mutual funds are emerging as the investment vehicle
of choice allowing investors to pool their resources
and participate in an international portfolio. Through
the Sun Life Prosperity Dollar Advantage Fund, you will
be given the opportunity to tap into this world market.
Access to top-performing markets.
As much as twenty percent of the Sun Life Prosperity
Dollar Advantage Fund may be invested in foreign-exchange
denominated securities issued abroad. This means that
with just one fund, you have the opportunity to access
a broader range of securities markets in your investment
portfolio, benefiting from higher-growth economies and
increasing your potential overall return.
We manage wealth by adhering to strict policies.
The Sun Life Prosperity Dollar Advantage Fund is designed
to generate total returns consisting of current income
and capital growth in US Dollars consistent with prudent
management of the Fund's assets. Current income will
come from investments in fixed-income securities, while
capital growth will be obtained from investments in
listed equity securities. As much as twenty percent
of the Fund may be invested in foreign-exchange denominated
securities issued outside the country.
When and what securities to buy and sell is left in
the capable hands of our investment managers. They employ
what the industry calls "active asset allocation" to
decide on the proportion that will be attributed to
each asset class. All these are done in order to generate
the best return for the fund in the near term and over
time.
Diversification on a bigger scale.
If the investment managers take advantage of the twenty
percent option to invest abroad, the Fund may achieve
a level of diversification that is more varied than
if it were just to invest locally. Through diversification,
foreign exposure can actually reduce risk and provide
greater stability in your portfolio. Investing this
way reduces the effect of a downturn in any single country.
For this reason, diversification works best among economies
that move in different economic cycles - while one market
may be depressed, others may be booming.
Benefit from a Tradition of Global Expertise.
The Sun Life Prosperity Dollar Advantage Fund also gives
you affordable access to high caliber investment management
that is usually reserved for corporations, institutions
and the very wealthy. Successful investing takes knowledge
and careful research - qualities that the Sun Life Financial
investment team possess in abundance.
Sun Life Financial is a leading international financial
services organization providing a diverse range of wealth
accumulation and protection products and services to
individuals and corporate customers. Tracing its roots
back to 1871, Sun Life Financial and its partners today
have operations in key markets worldwide, including
Canada, the United States, the United Kingdom, Hong
Kong, the Philippines, Japan, Indonesia, India, China
and Bermuda. With credentials such as these, Sun Life
Financial is a global force of experienced investment
management working for you.
Our team of investment professionals located in the
Philippines have the necessary knowledge, skills, experience,
and research capabilities to meet the objectives of
the Fund and ensure that your investment will yield
potentially greater profits over the long term. This
same team mandated to manage the portfolio of the Sun
Life Prosperity Dollar Advantage Fund are presently
managing assets in excess of Php 54.11 Billion1.
Investing for the long-term.
When you invest in a mutual fund, you are investing
in a diversified portfolio of securities that normally
fluctuate in value. To obtain the best results, they
should generally be regarded as long-term investments
which means they should be held for seven years or more.
The securities markets in which mutual funds invest
tend to rise and fall over the short-term, as will the
value of your investment. Your ability to withstand
short-term volatility, especially on the down-side,
will generally result in greater returns over the long-term.
When the value of your investments decreases, and it
will from time to time, be patient.
Let your investments work for you.
Purchase Options
The minimum initial investment for the Fund is US
$2,000. Subsequent investments may also be made for
US $500. The Fund has three purchase options:
Option A (front-end sales load) requires that you pay
the sales charge upon investing. Option B (back-end
sales load), on the other hand, requires that you pay
a sales charge only if you redeem (sell your shares
to the fund) within seven years, with the charges on
a decreasing rate per year, reaching zero after the
seventh year.
The Sun Life Prosperity Dollar Advantage Fund has a
third sales load option called Option C. Purchasing
shares with this option means paying 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.
Note: 1as of end-December 2004.
