Investment portfolios should be viewed as a repository or a dynamic mix of investments a person may have at any one time. One cannot really say that he owns an investment portfolio if he only has one share in a listed company given to him by a generous relative.

One of the most important principles in investing is diversification. Analysts of the recent economic debacle that has affected the Philippines have said that those who concentrate their investments in one thing, like land-banking, lose everything when they cannot liquidate their assets in time. If you invest in other forms of investments, you would be more prepared to survive the crisis.

In planning your investments, you must remember that there are many investment avenues available. You must think of your portfolio as having several separators and that each slot should have something in it to ensure sufficient diversity in your investments. Make conservative investments in instruments like savings and time deposit accounts, even T-bills. Put a little something in pre-need plans and educational funds. Purchase bonds. If you can afford it, own cars, pieces of property, even jewelry. If you feel a little more adventurous, invest in stocks and play the market a little. Should any one of these investment avenues fail, you would have others to fall back on.

Unfortunately, not all of us may have the chance, the capital, and the time to play around with different kinds of investments. Most of us will need help to ensure that our investments are diversified. This is where a mutual fund may be of great benefit to you. By investing as little as
Php 10,000, you can have investments in a wide array of stocks, bonds, or both, without the hassle of having to monitor your investments closely. Through the assistance of trained financial advisers, your money will be pooled with the money of other investors and invested in various corporations or bond instruments. This diversity in investment will give you the benefit of being more prepared to face the ups and downs of the investing game.

The Sun Life Prosperity Funds, a family of mutual funds, is composed of the Sun Life Prosperity Bond Fund, the Sun Life Prosperity Philippine Equity Fund, and the Sun Life Prosperity Balanced Fund. These funds are managed by Sun Life Asset Management Company, Inc., a wholly-owned subsidiary of Sun Life of Canada (Philippines), Inc. Both corporations are members of the Sun Life Financial group of companies, one of the top and largest insurance and wealth management companies in the world. With its unique feature of allowing investors to move from one fund to another, the Sun Life Prosperity Funds give investors the flexibility and the convenience of ensuring they have a sufficient mix of investments that will protect their future.