SUNLIFE 2

[PetiksPinayInvestor]

^ about refunding pala sa Q#2, sa VULS kung ano ang fund value, yun lang ang marerefund. It is possible na in less than 5 yrs, hindi mo marerefund lahat ng dineposito mo dahil nag incur na yun ng insurance charges and admin fee

sa Trad naman, kung ano ang cash value, yun lang rin ang marerefund.

[katniss]

Hi sisses! Re: payment, hindi pa rin ba pwede sa Sunlife ang thru monthly or quarterly debit or credit card? May nagoogle kasi ako na pwede raw pero sabi ng agent ko hindi raw. Nalilito ako. Hehe. Sun Maxilink Prime pala ang kinuha ko.

[mxherr5]

Most traditional plans I know allow payment via credit card but the same does not apply to VULs which is what Maxilink is.

As far as I know, only Prulife allows credit card payments for VUL.
I THINK Axa and Manulife allows credit card payments for VUL too but I'm not 100% sure.

[shinies]

Oo pwede sa traditional yun ang ginagawa ko online bayad gamit credit card. Sayang ang points eh hehe

[PetiksPinayInvestor]

Agree. CC payment is not allowed for Sunlife VULs, but allowed to only some Trad contracts

To be 100% sure, you can call customer care at 849 9888 option zero then option 1

Madalas ako tumawag jan sa kahit anung tanong

[katniss]

Oo pwede sa traditional yun ang ginagawa ko online bayad gamit credit card. Sayang ang points eh hehe

agree sayang nga ang points. hehe. thanks all for answering my query.

^i will try calling din pag me questions ako

[redhead69]

I have Sun Maxilink Bright plan and mag papay na ako ng last month for my 1st annual premium. Sabi ng financial advisor ko na once i fully paid the last month of my 1st annual premium, all deposits made will going to buy units of the Growth Plus Fund. At first parang ayaw ko i continue to but eventually narealize ko i need this for my future, besides 5 years lang naman aantayin ko to finish this one and consistent naman pag pay ko monthly.

Right now i am planning to get Mutual Funds sa Sunlife, Kamusta mga may Balanced Fund dito? How was it?

[PetiksPinayInvestor]

^ Congratulations! I think more than anything else, your major take away is being responsible for your future and owning your own decisions. Investing will always include learning and learning is a process.

Just want to make a slight comment on what you said na after fully paying your 1st annual premium, 95% of all your deposits will buy you units of whichever fund you choose 

Keep it up!

[redhead69]

^What choices of funds meron? Right after i finished the 1 annual premium i should go back sa sunlife office?

[PetiksPinayInvestor]

^ These are the funds available in VULs

Bond Fund
Balanced Fund
Equity Fund
Growth PLUS Fund   
Index Fund   
Captains Fund

MyFuture Funds:

2025
2030
2035
2040

Choosing a fund depends on:

- investor's risk appetite
- time horizon of goal
- age

In life everything changes: the lifestage and goals.

Dapat rin ay may tinatawag na portfolio management

Meet with your advisor to discuss this, ideally every 6 months or kapag may nabago sa iyong lifestage, finances or goals

[missythel]

not sure if this is the right thread. but i need to speak with a sunlife financial advisor, to discuss prosperity funds.

Hope you can help me:) TIA

[PetiksPinayInvestor]

^ You need to talk to a CIS - Certified Investments Solicitor ng Sun Life Prosperity Funds (licensed Mutual Fund broker)

I will PM you her contact details

[patchiislove]

hi mga sis,

ask lang po ako, may plano kami kumuha ng mutual fund ni hubby sa sunlife. magkano ang initial payment? at pano po ito mapapalago? tuwing kelan ang bayaran? btw, member na po kami ng sunlife. gusto lang po namin ni hubby malaman kung papano yun sa mutual fund.

[redhead69]

hi mga sis,

ask lang po ako, may plano kami kumuha ng mutual fund ni hubby sa sunlife. magkano ang initial payment? at pano po ito mapapalago? tuwing kelan ang bayaran? btw, member na po kami ng sunlife. gusto lang po namin ni hubby malaman kung papano yun sa mutual fund.

Hi! I am also new sa MF, i paid 5,000 for the initial payment ko. I'm going to be consistent sa pag invest monthly. Right now bumababa yung market e, I think this is the good time to invest pa.

[PetiksPinayInvestor]

^^ Naisip ko bigla itong video sa yout ube explaining what MF is

ww w.yout ube.com/ watch?v=PW1P-9cMob8

[PetiksPinayInvestor]

replying to patchiislove:

hi sis @redhead69 @petikspinayinvestor, thank you sa pag reply 
Yung 5k initial payment all in na yun? i mean wala ng extra charges or payment na required aside from 1k or more to add in your MF investment.

Depends on the sales load that you are going to choose:

front load: you will be charged before you invest. 2.24% if you will invest less than 100K. Lumiliit kapag lumalaki ang investment. No redemption fee if you do front load



back-end: you will be charged when you redeem your shares depending on which yr
1st yr: 5.6% charge
2nd yr: 4.48%
3rd yr: 3.36%
4th yr: 2.24%
5th yr: 1.12%
6th yr onwards: no fee

once ka lang ma charge kaya you need to choose wisely. kung long term ang goal mo, then back end para no fees when withdrawing after 5 yrs. disiplina ang katapat nito hihi

pero kung gusto mo na ma withdraw anytime, front load ka

[patchiislove]

hi sis@petikspinayinvestor, thanks sa info.

[binibiningrue29]

Interested din ako sa SunLife and I septn countless hours na reading reviews sa net and dito sa forum. Nagpa-book na ako ng meeting with one of their SunLife advisors this Sunday and hopefully, everything goes well. Gusto ko na din kasi maging financially healthy since plan ko din mag-build ng sarili kong start-up in 10 years time. 

[rein_girl]

Same tayo Ms. binibininggrue29, and i'm newbie here. Any update about  sapolicy na kinuha mo? Thank you. Gusto ko na din kumuha para sa amin ni hubby, he's 31 and I'm 26(non-smoker pareho)..pero hindi pa ako makapagdecide kung anong type ng VUL ang kukunin namin

[ninabhel]

Hi Girls,

sana my sumagot sakin. Meron akong Sun FlexiLink. Fae Amount is 500k lang. Quarterly ako nag babayad ng 3.2k. Parang 30 years ko yata sya babayaran. medyo natatagalan ako. I was thinking If I can convert this to another plan instead like mutual funds of something better and much bigger yung face amount. Also, please recommend kung anung maganda.
Thanks!