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| A. The concept of safety in PAMI mutual funds may come in different forms. One is the structure. PAMI is totally segregated from the mutual funds that they manage. The invested instruments of these funds are kept with a custodian bank. Records of shareholders are kept with the transfer agent and an external auditor monitors the company’s operatons. Moreover, all mutual funds are closely monitored by the SEC under the provisions of the RA 2629. More importantly, all PAMI mutual funds do not deviate from the company’s stipulated investment restrictions and guidelines. |
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| A. There are no guaranteed earnings. Mutual funds are investment companies, where investors become owners of the fund. Owners or Shareholders are entitled to a proportionate share of the income and risk exposure of the mutual fund company. |
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| A. Yes, because mutual funds are mandated by the law to stay liquid. However, to maximize earnings potential we recommend that investments are kept for at least a year or two. |
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| A. Yes. Simply fill out the investment application form and make check payable to the fund of choice and call PAMI representative. |
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| A. There is none. This is an ownership investment. You can hold on to your investments for as long as you want. The longer that you stay invested, the better; due to the compounding effect of interest earning. We recommend that you stay invested for a certain period of time because there is an exit fee for withdrawals less than the recommended period. |
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| A. Yes you can. You can also make a combination of any of the funds that will suit your investment objective and risk appetite. |
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