About Richard Macalintal

Hi my name is Richard. I am a Registered Financial Services Consultant in Singapore. If you have any queries or you need help on your insurance policies and investment linked products, feel free to message me :-) We can have a cup of coffee while I do financial review and give advice with regards to your finances :-) Contact me thru email rlmacalintal(at)yahoo.com or SMS me +65 82235186. Disclosure: I am a Financial Consultant of AIA. The statements or opinions expressed on this site are my own and do not necessarily represent those of AIA.


  1. Sir, can you kindly give us a breakdown of the fees and taxes in FAMI Mutual Fund. In opening new account, top ups, close and others…

    Thank you…

    • hi sir… there are 3 fees in mutual fund: sales load, exit fee and management fee.

      sales load. when you open your account and every time your top up, they will deduct this sales load fee. the amount varies from 1% to 3.5% depending on the company you invest or how much you invested.

      exit fee. in case you withdraw your investment within the the investment period of 2 years below, you will be charged exit fee of between .5% to 2% depending on the company. some company have investment period of 1 year, some 2 years. the point is, if you put your money 2 years and above, no more exit fee.

      management fee. yearly, company will charge management fee from the total gains of the investment ranging from .5% to 3.5% depending on the company and amount of your investment. however, this is already computed and integrated backed. so if you see a mutual fund gain of 30%, it’s already net. management fee is already deducted on the computation.

  2. Sir ask lang po? Mga 5years na naka lipas ang investment ko sa FAMI mga 10k narin ang na hulog ko halos na kalimutan ko na nga. Paano ko malaman ang account ko sir? Balak ko kasi ituloy uli ang pa iinvest ko.

    Salamat po.

  3. Hello good day Itatanong ko Lang po sa mga ganitong klaseng investment kailangan monthly kang naglalagay ng pera sa account mo.

    Salamat po.

    • you can topup whenever you want. pede every month, every year or once in a blue moon. yong pera mong nilagay, yon lang din naman ang mag grow. but don’t expect for a PHP 5,000 to be a million in coming years 🙂

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