Rampver Strategic Advisors is a division of Rampver Financials that provides money and asset management, mutual fund distribution, financial planning, and consulting services. It helps both individuals and institutions with financial planning, retirement plans, and efficient management of investment programs. As a third-party mutual fund distributor with a focus on performance, Rampver is a partner of choice for mutual fund investments in the Philippines.

1. Sample Composition
Cash
91D T-Bills
180D T-Bills
Time Deposits
Commercial
Papers
Sample Composition
Cash
Bank
Holding
IT
Telcos
Mining
Media
Real Estate
F & B
Sample Composition
Cash
Blue Chip
Companies
Gov't Securities
Sample Composition
Cash
T-Notes
T-Bills
Fixed-Income
Instruments
Commercial
Bonds
Rampver Strategic Advisors (RSA), is a division of Rampver Financials a creative niche player in the financial services industry. We have
grown a substantial base of delighted clients since 1993. We are actively involved in money and asset management advisory, mutual
fund distribution, financial planning, training and consulting.
We help individuals in their quest for effective financial planning, personal pension and retirement plan implementation. On the
institutional area, we provide assistance in the design, execution, implementation of employee savings and investment programs that
lead to an efficient and strategic management of funds.
Our linkages with the major movers and players in the Philippine capital market put us at an advantage in providing timely financial
advice to our clients to help them maximize returns on their investments within well managed risk parameters. As a third-party
distributor with a selective open-architecture that is focused on performance, we are the partner of choice for mutual fund investments
in the country.
 An investment company that pools
money from numerous investors
through the issuance of its shares to
the public.
 The pooled funds are then invested by
professional fund managers in various
securities according to the investment
objectives and policies of the company.
Types of Mutual Fund
How Does it Work?
Money Market Fund
Composition Short-term fixed-
income instruments
Objective Stability plus
minimal growth
Ave. earnings p.a. 1%-2.5%
Recommended
length of stay
Below 1 year
Risk Profile Very low
Bond Fund
Composition Fixed-Income
Instruments
Objective Stability plus
reasonable growth
Ave. earnings p.a. 4%-6%
Recommended
length of stay
1 to 2 years
Risk Profile Low
The Investment Vehicle
Balanced Fund
Composition Stocks and fixed-
income instruments
Objective Medium to long-
term objectives
Ave. earnings p.a. 12%-15%
Recommended
length of stay
3 to 5 years
Risk Profile Moderate
Stock Fund
Composition Shares of stocks;
“equity funds”
Objective Long-term capital
growth
Ave. earnings p.a. 15%-18%
Recommended
length of stay
More than 5 years
Risk Profile Aggressive
What is a Mutual Fund?

2. Unit 6F, 6th Floor, PDCP Bank Center, V.A. Rufino cor.
L.P. Leviste Sts., Salcedo Village, Makati City, Philippines
Tel Nos.: 812-1995/894-1811
Email: info@rampver.com
Website: www.rampveradvisors.com
Affluence
Providing Simple Steps to Wealth Creation
Our Mutual Fund Partners:
Advantages of Mutual Funds Frequently Asked Questions
Professional Management
One of the main attractions of mutual funds is the fact that it affords its investors,
particularly the small ones, the services of full-time professional managers whose focus is to
analyze the various investment products available in the market and actively select those that
would give the best possible returns to the fund and its shareholders.
Low Capital Requirement
Direct investments usually require substantial capital. The minimum investment
amounts for Treasury Bills and commercial papers, for instance, range from Php100,000.00 to
Php1,000,000.00 depending on the bank or investment house you are dealing with. This also
holds true for stocks because while an investor may be able to buy one “lot” (shares are sold in
board lots of 10 to 1 million shares depending on the price at which these shares are traded) for
as low as Php1,000.00 to Php5,000.00, he may not find a stockbroker who will service his account
because they prefer to deal with high net worth individuals (rich people in layman's terms) or at
least with people who have substantially more than just Php5,000.00 to invest. In contrast, most
mutual funds in the Philippines require a minimum initial investment amount of only
Php5,000.00 and minimum additional investments of Php1,000.00.
Diversification
There is a saying that goes, “Do not put all your eggs in one basket.” This is especially
true in the world of investments which is full of uncertainties. There is no such thing as a “sure”
thing. An important investment principle that requires holding several securities to reduce the
risks associated with investing in individual securities is called diversification. When people invest
in a mutual fund, they achieve instant diversification because the fund is required by law to invest
in a wide array of securities.
Liquidity
Liquidity is the ability to readily convert investments into cash. Other investment
products require investors to find a buyer so that he can liquidate his investment. That is not the
case with mutual fund shares because the fund itself stands ready to buy back these shares at the
prevailing Net Asset Value Per Share. While the law provides that redemption proceeds must be
given within seven (7) banking days from the date of the redemption request, most funds are able
to pay the redemption proceeds within 2-3 banking days. Mutual funds are, therefore, considered
very liquid investments.
Safety
Safety is a very important consideration for most investors. Sometimes even more
important than potential returns. Nevertheless, mutual funds are highly regulated by the
Securities and Exchange Commission under the Investment Company Act and its implementing
rules. They are prohibited from investing in particular investment products and engaging in
certain transactions. They also have to submit regular reports to the SEC as well as to their
shareholders. All of the fund's assets must be held by a highly reputable commercial banks for
safekeeping.
Potentially Higher Returns
Because a mutual fund is managed as a single portfolio, it is able to take advantage of
certain economies of scale. For instance, with its billions under management, it can negotiate for
lower stockbrokerage fees or command higher interest rates on fixed-income investments. In the
end, however, it is still the investment adviser who really makes the big difference between
making direct investments and investing in mutual funds because very few individual investors
can match the experience and skill of full-time professional fund managers.
Convenience
In other countries, mutual funds can be purchased directly through a broker,
financial planner, bank or insurance agent, by mail, over the phone and increasingly over the
internet. The popularity of mutual funds in the Philippines is fast catching up. It may be a matter
of time for this level of convenience to be a reality in the country. Funds also offer a variety of
other services, including monthly or quarterly account statements, tax information, and 24-hour
phone and computer access to fund and account information.
Tax-Free
Gains realized by investors upon redemption of their shares in a mutual fund have
been excluded from the definition of gross income effective January 1, 1998 and are, therefore,
not subject to personal income tax (R.A.# 8424).
How much will I earn if I invest in mutual funds?
Mutual funds are not time deposits and therefore do not pay out a fixed rate of
return. Mutual funds are invested in stocks listed on the stock exchange as well as bonds
issued by the government and corporations where values differ daily. As a result, the value
of your investment fluctuates daily depending on the performance of its underlying
instruments. Funds’ earnings are not fixed but are very flexible, at an average of 6-18% a
year. Over the long run, mutual funds usually outperform traditional time deposit
placements or short-term money-market funds.
Can I lose money in mutual funds?
As with any investment instrument, investing in mutual funds involves 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.
Is my investment covered by the Philippine Depository Insurance Corporation (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.
How do I invest in a mutual fund?
You can invest in a mutual fund by buying its shares from fund management
companies or through licensed brokers. The money you will invest will be converted into
number of shares. This is computed by dividing the amount by the current price or the Net
Asset Value Per Share or NAVPS.
What is the Net Asset Value Per Share, or NAVPS?
The Net Asset Value Per Share (NAVPS) is the price of the mutual fund’s share. A fund's
NAVPS is computed daily. It is the price used when buying or selling mutual fund shares.
These are published daily in newspapers (ie. Businessworld, Business Mirror, etc.)
What if something happens to me?
Your investment will form part of your estate and will be distributed to your heirs
(usually surviving spouse and children) accordingly. However, it will be subject to estate tax
which your immediate family would have to settle first before they will be allowed to claim
the investment proceeds. To ease the transfer of the fund shares of a deceased investor,
assigning a co-investor upon initial investment is suggested.
What if RSA closes, what will happen to my investment?
Your investment will remain intact because you are invested directly in the mutual
fund company and not in RSA. RSA is the financial intermediary between the fund
management companies and the investors.
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