1. Professional Management

There is a dedicated professional fund manager who provides investment expertise in researching, selecting, and monitoring the performance of the securities purchases. Maliban sa kumain at matulog, trabaho niyang bantayan ang stock market o bond market so kahit busy tayo sa ating trabaho, careers, sa ating negosyo, o tayo’y nasa bakasyon, may peace of mind tayo na 'di hamak na mas magaling sa atin ang nagbabantay at nag-momonitor ng investments natin.

2. Potentially Higher Returns

Ang P1,000 ko, o P100,000 mo ay "naka-angkas" sa bilyong pera ng mutual fund company. Dahil dito, nakaka-access ang pera natin sa mga potentially higher yielding investments na available lang sa mga big-time investors. Sinisiguro din ng fund manager that the mutual fund generates the best possible returns for the given level of risk of the mutual fund.

3. Diversification

Yung P1,000 mo na yun ay mabibili agad ng minimum 10 BIG Companies (Blue Chip Companies) yan yung mga companies na matatagal na talaga. Hindi ka basta basta malulugi sa MF dahil DIVERSIFIED na siya, dahil khit malugi man ang 3 companies let’s say si PLDT, Meralco, BDO. Yung remaining 7 companies naman ay kumita, still kumita ka pa rin.

4. Liquidity

You can sell your shares ANYTIME. Within 3 – 7 banking days lang, makukuha mo na as Cash.

5. Low Minimum Investment Requirement

For as low as P1,000, you can open a mutual fund account. Ibig sabihin, kahit minimum wage earner ay pwede na maging Investor.

6. Transparent

May matatanggap kang SOA (Statement of Account) quarterly, dun nakalagay kung ilang shares na meron ka at magkano na total ng kinita ng pera mo. Since Shareholder ka ng MF Company, may karapatan kang umattend ng mga Shareholder’s Meeting, dun ididiscuss kung saan ba ininvest ang pera natin, ano ba naging performance this past few months or year. Sa Mutual Funds you’re a Shareholder or Stockholder of the Company.

7. Enjoy forever Zero Sales Load or Entry Fee (exclusive for IMG member)

Ibig sabihin nito ay walang kaltas ang pera mo. For example nag-open ka ng MF Account mo with P5,000 minimum initial investment. Kung Zero Load ang Mutual Funds mo buong buo yang P5,000 mo ay ibibili ng shares. Pero kung hindi yan Zero Load may ibinabawas na around 3% sa pera mo and every time na magdadagdag ka ng investment mo may 3% pa rin na ibabawas dito.

8. Gains/ Profits are Tax-Exempt

Kapag bumili tayo ng isang bagay merong tinatawag na sales tax/value added tax. Kapag nag-withdraw tayo sa savings account natin merong tinatawag na withholding tax at kahit na mamatay tayo meron pa ring tinatawag na estate tax. Pero sa Mutual Funds, walang tax base sa R.A. 8424 o Tax Reform Act of 1997, hindi kabilang ang mutual fund earnings sa pinapatawan ng 20% withholding tax. Kung ang money mo sa MF ay P100,000 at nagwithdraw ka, buong-buo walang labis, walang kulang P100,000 pa rin yan.

9. Safety and Regulations

Mutual funds are governed by R.A. 2629 o Investment Company Act of 1960 and are highly regulated by the Securities and Exchange Commission (SEC). They are also regularly audited by an independent auditors. The assets of the mutual fund are held by a third-party custodian bank.