A mutual fund is an investment where money from multiple investors is pooled together and managed by a professional fund manager. The fund manager invests this money in a mix of assets such as stocks, bonds, and money market instruments to help grow your investment. A Unit Investment Trust Fund (UITF) works similarly, but instead of being managed by an investment company, it is offered by banks and trust institutions. UITFs provide access to a professionally managed and diversified portfolio and are regulated by the Bangko Sentral ng Pilipinas (BSP) for transparency and security. Both mutual funds and UITFs are available on COL Fund Source, making it easy for you to choose and invest in a fund that matches your financial goals. You can even start with as low as Php 100 and gain access to a well-diversified investment portfolio. Note: Minimum initial account opening amount is Php 25,000

You can earn from funds in two main ways: Capital Appreciation – This happens when the value of the fund’s investments (like stocks and bonds) increases over time. As a result, the price per unit (NAVPU) goes up. If you sell your investment at a higher price than when you bought it, you make a profit. Dividends and Interest Income – Some funds pay out earnings to investors. For example, equity funds may give dividends from stocks, while bond and money market funds earn interest payments. These earnings can be distributed to you as extra income.

Expertly managed – Professional fund managers handle the investments, so you don’t have to worry about picking stocks or bonds yourself. Instant diversification – Instead of putting all your money into one stock or bond, funds spread your investment across many assets. This helps reduce the impact of market ups and downs. Easy access to your money – You can sell (redeem) your investment when needed, depending on the fund’s rules. Affordable – You don’t need a huge amount to begin investing. With as little as Php 100 – P500, you can already invest in a professionally managed fund. Convenient investing – No need to track the market daily—fund managers do the work, so you can focus on more important things.