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1. What is a mutual fund and why should I invest in it?

A mutual fund is a company where investors with similar financial goals pool their funds in a basket of securities. It is managed by a professional portfolio manager who selects securities, monitors the market, and aims to maximize returns. Investors, as shareholders, share gains or lossess from the fund. 

Investing in a mutual fund provides immediate diversification for your money, with the added benefits of a low initial investment. 

2. How are investors protected in a mutual fund?

​Mutual Funds are regulated by the Securities and Exchange Commission (SEC) of the Philippines. Each mutual fund has its own Board of Directors whose primary duty is to protect the investors' interests. Reputable custodian banks hold mutual fund securities, keeping them separate from the managing company's assets. Custodian banks ensure the safekeeping of documents indicating ownership of the Fund's assets. 

3. What are the advantages of investing in a mutual fund?

A mutual fund offers numerous advantages, including professional management, diversification, liquidity, transparency, the potential for higher returns, and affordability. 

4. What are the applicable fees?

Investing in a fund involves these types of fees:

a. The Management Fee is a fee charged by a fund manager for managing and overseeing a mutual fund. This fee is typically calculated as a percentage of the fund's average net assets. It is integrated into the Net Asset Value Per Share (NAVPS).

b. A Sales Load is a fee charged by a mutual fund when investors buy shares of the fund. 

c. An Exit Fee, or redemption fee, is incurred when investors sell or redeem their investments within a specified timeframe from the date of the initial investment. 

5. What is NAVPS?

Investing in a mutual fund is like investing in a company. Your cash contribution earns you shares in the mutual fund, and each share holds a specific value called the Net Asset Value Per Share (NAVPS). 

The NAVPS is calculated daily at the close of each business day, factoring in the fund's income, gains, and losses from its invested securities. Consequently, the value can vary from day to day. 

6. Are mutual fund gains taxable?

Based  on Section 32(B)(7)(h) of Republic Act 8424 of the Philippines, mutual fund gains upon redemption of shares are exempt from taxation.

7. Are returns from mutual funds guaranteed?

Investments in a mutual fund are not insured not guaranteed by the Philippine Deposit and Insurance Commission (PDIC). As a result, investors carry the risk of losing their investment value. It is important to note that a mutual fund's past performance does not guarantee its future success. 

8. How can I make additional contributions to my AIB Money Market Mutual Fund investment?

Please click here for the AIBMMMFI Investment Matrix and Bills Payment User Guides.

9. How can I better understand my AIBAAMI Statement of Account better?

To access the AIBAAMI Statement of Account Guide, kindly click here to initiate the download.

10. Which numbers should I contact for inquiries, concerns and/or complaints?

Investors can call AIBAAMI at (02) 8588-4242 and/or email us at Alternatively, investors may contact the Markets and Securities Regulation Department (MSRD) of the Securities and Exchange Commission through ( or (02) 8818-7164 and/or (02) 8818-8178.

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