In mutual funds, they have fund managers, so we have this so called investment management fee, (or distribution cost, management fee) do I get a statement of those fees to track them.

Composition of those fees? How do I pay them?

Limit: I should not pay more than 1.5% of my equity fund.

Expense ratio: a measure of what it costs an investment company to run a mutual fund.

Operating expenses/Average Peso Value of Assets = Expense Ratio

Operating expenses, taken out from the funds asset, so it lowers the return to a funds investor. Higher the Expense Ratio = Lower Return for the Investor

OPERATING EXPENSES (deducted in the fund Assets) : Investment Manager Salary, Recordkeeping, Custodial services, taxes, legal expenses, & accounting & auditing fees.

DIRECT EXPENSES (paid directly by the investor) : in Sunlife what are these? Loads, Redemption fees. 12b-1/ Distribution fees.

Taxes Involved: CGT review.

Net Asset Value Per Share (NAVP)

Money Market : Short-term debt instruments (Treasury Bills),

Bond / Fixed-income funds: Government and Corporate debts , higher than CODs

Balanced Funds: Ratio Equity 70%, Fixed income 30%

Equity Funds:

Pros & Cons (Benefits & Risks) How does it work? If I choose Balanced Fund (Equity 70%, Fixed income 30%) Regular Investment. Minimum? How often? If I give checks / cash for my investment, do I get an O.R. from Sunlife? How was Sun Life Mutual Fund been performing? Percentage Return 2014? Do I get shareholder mutual fund reports? Mutual Fund FS, Where? Want to see the operating expenses, the details if possible. Where? Can I have profile of the Portfolio Managers? Can I check my portfolio online? In what ways can I receive the returns? 1. Cash Dividends (Can I reinvest?) 2. Selling my shares for a gain. 3.