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. Flordeliza S. Gomez

    Hi Sir..
    My husband have an existing insurance sa Sunlife.. I asked my adviser regarding to open a separate Mutual fund account or to just add it as top-up on our existing insurance. She told us na top up na lang daw para ma-add din daw sa funds ng living benefits w/c in process ma add din daw sa fund ng death benefit ng policy holder. What your personal view on this po kaya? thanks..

  2. hi flordeliza…i think your adviser is trying to offer you VUL (insurance with investments). With regards to estate planning, yes exempted sa tax nga yang proceeds ng insurance mo. however, good idea rin to diversify and invest not only in sunlife funds. marami namang funds ang ibang company na pwede mo rin pagpiliian at paglagyan ng pera. best is you open COL account (refer to my other blog post) para makabili ka ng mga funds from other companies, without any sales load.

  3. Hi, kelan na po ito mag sstart? I’ve been reading news about this for like 4mos na. Tuloy po ba to?

  4. Hello Sir,

    Kung meron na ako existing MF accounts like sa Philequity, FirstMetro at Philam can I enroll or consolidate them in my COL account? Thanks!



  6. Anabella Elnasin

    HI! My name is anabella elnasin I’m here in Singapore. I’m interested to join col financial. But I don’t know how to open. Meron po ba seminar d2 Singapore para maka attend po.thanks God bless. .

  7. martin g. arboleda

    Hello Sir,

    Col started already MUTUAL FUNDS and maraming types ang pwedeng pag pilian sir sa tulad ko 50 years old and as you are a financial adviser ano po types of mutual fund ang sa tingin mo nararapat? second question. since walang sales load from buying mutual fund from COL ano sir ang mga possible charges? thanks ….

  8. Hello Sir,

    Col already started MUTUAL FUNDS in their website and im planing to start medyo confused lang ako cause 50 years old at age kaya mag pa advised ako sa iyo, plan ko max. 5 years holding time whats the ideal fund para sa akin? you said walang sales load hindi tulad if i will buy from mutual fund company now ao sir ang possible charges from COL? thanks very much…..

  9. manluis s punay

    I like to learn more regarding mutual fund and buying stock.i hope you can help me thru on line because im working as OFW here in Qatar Doha.Thank you so much.

  10. Hi Sir,

    I was planning to get ALFM mutual funds then nghahanap ng reviews kung maganda ba yung ALFM growth fund, until I found this page.
    I already have COL account, if mas maganda dito n kumuha ng mutual fund mas madali na sakin… but then di ko makita sa website nila pano magopen ng mutual fund. DO they have a separate website or di pa na-launch ang service na ‘to?

  11. Interested in starting an investment in the stock market, could you tell me how? What are the details? Please send me info. Thank you and looking forward to receiving a feedback from you soon…preferably through my email.

  12. is this service available already (opening an MF acct thru COL Financial)? i have been waiting for this since last year. sana ok na…

  13. hi po. wala po sales load getting mutual fund via COL kasi may management fee yung COL which is i think is lower in cost. mas ok po ba monthly bumili ng mutual fund o maganda pag lump-sum na lang in relation to management fee?

    tsaka po. halimbawa po redeem mo na MF mo after 5 years, applicable pa rin po ba yung management fee or same lang sa direct-company MF na waived na yung back-end load once investment is more than 5 years?

    salamat po

  14. sir gud day…ask ku lng,ilang purcento po bah ang ma earn in investing money market fund ng mutual fund?


    • money market fund is for short term and low risk investment. mga 2% below lang returns nyan per year 🙂

      • ah..ok!..tnx po!..maliit lng pla!..sguro i’ll go for stocks investment..sir,maari nyu po aku bigyan ng listahan ng penny stocks na active sa pse..kasi sa tingin ku mas marami akng share of stocks na mbibili pg mura lng ang price ng stocks!..kahit centavos lng ang akyat pro malaki dn ang kita!..sa tingin nyu sir,ok lng po ba sa akin ang penny stocks pra sa tulad kung bagohan sa investment?

        maraming salamat po sir!…

  15. Good day sir,
    What is the advantage if ever na magpamember ka sa COLFINANCIAL although may account ka na sa MF Companies.

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