The Sun Life Prosperity GS Fund invests purely in securities of the Republic of the Philippines. These include all domestic fixed-income instruments issued directly by the Philippine government. As such, payment of proceeds to the Fund is backed by a sovereign guarantee.

Just how safe are government securities? Consider this fact: for the protection of the investors, all Philippine registered mutual funds are mandated by the Securities and Exchange Commission to comply with some regulatory restrictions. One of these is that no locally registered mutual funds can invest more than 10% of its total assets in the securities of any one issuer. The only exception to this rule? Investments in government securities can be virtually limitless, because these are considered as investments guaranteed by the government.

A Diversified Portfolio of Government Securities

Our Prosperity GS (a.k.a. Government Securities) Fund allows its shareholders to have investments in not just one, not just two, but a whole portfolio of securities that have sovereign backing. This means that for just Php 10,000, you are actually investing in dozens of securities. If you use the same amount of money to buy government securities other than the Prosperity GS Fund, you can probably only invest in Retail Treasury Bonds from an accredited distributor. With the Sun Life Prosperity GS Fund, however, you reap a benefit familiar to all mutual fund investors – the advantage of diversification.

For as little as Php 10,000, you become a shareholder of the Prosperity GS Fund. Each share of the Fund gives you proportionate ownership of all of the securities that the Fund invests in. This means, instead of owning only a couple of Retail Treasury Bonds, you may find yourself earning from the Fund’s investments in a 90-day Treasury Bill, a couple of fixed-rate medium-term Treasury Notes, some long-term Treasury Bonds, and a host of other government securities in the Prosperity GS Fund’s portfolio¹.

Professionally Managed Fund

By far the most important factor a potential investor must take into account is the knowledge and expertise of a Fund’s investment management team. Successful investing takes knowledge and careful research, qualities that the Sun Life Financial investment management team possesses 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 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.

The minimum initial investment for the Fund is Php 10,000 for Options
A & B, and Php 1,000,000 for Option C. Subsequent investments may also be made for Php 5,000. 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.

Option C is also available for the Sun Life Prosperity GS Fund. Purchasing shares with this sales load means paying a lower sales charge upon entry (compared to Option A), and a lower sales charge upon redemption (compared to Option B). The sales charge upon redemption will only be applicable if you redeem in less than 2 years.

Interfund transferability

The Sun Life Prosperity GS Fund is fully transferable with selected peso-denominated Sun Life Prosperity Funds. Here at Sun Life Financial, we recognize that investors‘ needs change over time, and have therefore made it possible for our clients to switch between selected funds as much as four times a year without having to pay any fees. So your Option A shares in the Prosperity Bond Fund, for instance, may be transferred to the Prosperity GS Fund by just filling up an Order Ticket, and vice-versa. Ask your Sun Life Mutual Fund Representative to explain this feature to you in more detail.

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. Ask your Sun Life Mutual Fund Representative about the best time horizon specific to your needs.

The securities market 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 downside, will generally result in greater returns over the long-term. When the value of your investment decreases, and it will from time to time, be patient.

Let your investments work for you.

Note: ¹Sample of possible investment instruments only. Portfolio composition of the Prosperity GS Fund depends on instrument availabilities and market opportunities as evaluated by our investment managers.