COL Fund Source is the Philippines’ first fund supermarket, giving investors easy access to a wide range of funds. It lets you manage and track all your investments—both funds and stocks—in one account. With just a few clicks, you can compare options, organize your portfolio, and invest conveniently to reach your financial goals.

There are different types of funds to match your needs and risk appetite:

• Money Market Funds – Invest in short-term deposits, corporate bonds, and government securities.

  Best for: Building an emergency fund with better returns than banks.

• Bond Funds – Invest in government and corporate bonds.

  Best for: Lower-risk investing while earning higher interest than savings accounts.

• Balanced Funds – A mix of stocks and bonds for income and capital growth.

  Best for: Those wanting moderate risk with potential dividends and global exposure.

• Equity Funds – Invest in stocks with the goal of outperforming the market.

  Best for: Long-term investors seeking high growth (with higher risk).

• Equity Index Funds – Track major stock market indexes.

  Best for: Long-term investors who want diversified, passive growth (with high risk).

Each fund serves a different goal—choose what fits your strategy.

You invest in funds by buying shares or units of the fund through licensed distributors, like COL Fund Source. The price you pay is based on the fund’s Net Asset Value Per Share or Unit (NAVPS/U). Each share represents your portion of the fund. When you want to withdraw your investment, you sell your shares back to the fund at the latest NAVPS/U.

When you open a COL account, you’ll need at least ₱1,000 to activate it. But once it’s set up, you can start investing in funds with as little as ₱100 and add more anytime from ₱100 up. Minimum amounts vary per fund, so be sure to check the details before investing.

Your returns depend on changes in NAVPS/U (Net Asset Value Per Share/Unit). If it goes up, you can sell your fund units at a higher price. Some funds also pay dividends, giving you extra earnings on top of price gains.

If you're just starting, consider the COL Strategic Growth Fund, our flagship fund designed for easy and hassle-free investing, managed by COL experts. Click here to learn more.

You can also check out our Fund Picks, a list of funds grouped by different goals to help you find the right one for your needs.

You can access free research reports and insights in your COL account. Simply log in and click the Mutual Fund tab to explore reports and guides to help you choose the right funds.

All funds in COL Fund Source have zero front-end and sales load fees—no extra charges when you invest! Any updates on fees will be posted on the COL Financial website.

However, some funds have a holding period. If you sell before this ends, you might be charged (usually around 1%).

Common Fund Fees:

• Management/Trust Fee – A fee for the fund manager, already factored into the fund’s price.

• Early Redemption/Exit Fee – A charge if you cash out before the holding period is over.

Investing in funds comes with risks, just like any other investment. Here are some key things to keep in mind:

• Market Risk – The value of your investment can go up or down depending on economic conditions, political events, and global market trends. Returns are not guaranteed, and there is a possibility of loss.

  Fund Performance – A fund’s growth depends on its investment strategy and how well the fund manager executes it.

• No Fixed Returns – Unlike savings accounts, funds don’t offer fixed earnings. Your returns depend on how the market and fund perform over time.

Before investing, consider your financial goals, risk tolerance, and investment timeframe.

Both mutual funds and UITFs pool money from investors to create a diversified portfolio, but they differ in key ways:

• Regulation: Mutual funds are regulated by the SEC and structured as corporations, while UITFs are bank products regulated by the BSP.

• Ownership: Mutual fund investors own shares and may have voting rights, while UITF investors buy units but have no shareholder privileges.

• Fees & Rules: They have different costs and regulations depending on their governing bodies.

Both offer diversification and professional management—choose based on your goals and preferences!

No, funds in COL don’t come with insurance. Some companies offer investment-linked insurance, where part of your payment goes into a fund, but this is different from what COL offers. When you invest through COL Fund Source, your entire investment goes into buying fund units..