FREQUENTLY ASKED QUESTIONS

Below are common Frequently-Asked-Questions (FAQs) about Money Tree that we have compiled for your reference.


Q: What is Money Tree?

A: Money Tree is a peso-denominated, single premium (one-pay) variable life insurance product that allows the policyholder/ insured to participate in the potentially high returns of the financial markets by providing the following wide array of investment funds that will cater to the risk-appetite of the client:

Philam Life Fixed Income Fund (PFIF)
Philam Life Balanced Fund (PBF)
Philam Life Equity Fund (PEF)

Q: What is the composition of these funds?

A: For better perspective, here are the composition of these funds:

Philam Life Fixed Income Fund – This fund invests primarily in high-grade interest-bearing bonds that present low to moderate levels of risk. 

It aims to provide a stable return over the medium- to long-term, and preserve capital by investing primarily in fixed-income securities issued by the government and reputable corporate issuers.

Philam Life Balanced Fund – This fund contains a balanced investment in performing bonds and equities available in the market. 

This fund is for the policyholder with an investment objective of long-term capital appreciation by investing in equities, equity-related securities and debt securities

Philam Life Equity Fund – This fund is for the policyholder with an investment objective of capital appreciation over a long-term investment horizon, and the risk appetite for the stock market. 

Its objective is to achieve capital growth by investing in an efficient and diversified portfolio of predominantly growth companies, while including appropriate value stocks.

Q: Can I add to or withdraw my investments?

A: With Money Tree you have the flexibility to make additional investment or top-ups, or switch investments from one fund to another as you deem best. 

You have also convenient access to your money through partial or full withdrawals of your account

Q: How will I know how much my account value is?

A: Philam Life will send you a Statement of Account at least on an annual basis. Aside from this, you can check your fund’s Net Asset Value Per Unit (NAVPU) anytime through our Fund Performance Section