Rampver Financials · PhilEquity · Zero entry fee for members
Long-term investing. Not short-term trading.
Mutual funds through Rampver Financials and PhilEquity — at zero entry fee for IMG members.
What this is
You do not pick stocks. You do not time the market.
Mutual funds pool money from many investors and hire a professional manager to invest it in the stock or bond market. You invest for decades. Compound interest does the work. Trading is not investing — it is gambling with extra steps.
The arithmetic
The Rule of 72.
A simple formula for understanding how compound interest works. Divide 72 by the annual interest rate to get the number of years it takes your money to double.
| Annual rate | Years to double |
|---|---|
| 2% | 36 years |
| 4% | 18 years |
| 8% | 9 years |
| 12% | 6 years |
Figures are illustrative. Past performance does not guarantee future results. Investment returns are not guaranteed by IMG, Rampver, PhilEquity, or any other party.
Fund categories
Three categories. One applies to you.
| Category | Risk | Best for |
|---|---|---|
| Bond Fund | Low | Conservative investors, short horizons |
| Balanced Fund | Medium | Balanced long-term growth |
| Equity Fund | High | Aggressive long-term growth, 10+ year horizon |
Who this is for
And who should not touch it yet.
This is not for you if you…
How to open an account
Five steps. No trading required.
01
Book a Roadmap Session.
Free. 90 minutes. No products discussed in that session.
02
Discuss the fund category.
Bond, balanced, or equity — matched to your goal and your horizon, not to a commission.
03
Open the account through IMG.
Zero entry fee for members. Paperwork handled at the JY Square office or online.
04
Set up a monthly top-up.
₱1,000 minimum. Automatic, so you do not skip it.
05
Review annually. Do not trade.
The plan is long-term. The one thing that destroys it is panic-selling when the market drops.
Price
Zero entry fee for members. Start at ₱5,000.
Mutual Funds — Member rate
₱5,000
- Zero entry fee for IMG members.
- Bond, balanced, or equity — you choose the category.
- Monthly top-up builds the habit.
- Review annually with Erlwin. No trading fees.
Questions
What people ask before their first fund.
Is this the stock market?
Mutual funds invest in the stock market — but you do not pick the stocks. A professional manager does.
What is the minimum?
₱5,000 to open. ₱1,000 per month minimum for top-ups. Confirmed at application.
Can I withdraw?
Yes, but not on a set schedule — and not before the horizon matches. This is not an emergency fund.
What if the market crashes?
It will, repeatedly. That is why the horizon is decades, not months. A crash is a temporary drop for a long-term investor.
Do I need to be a member?
Yes — zero entry fee is a member benefit. See the membership page for details.
Next step
Book a free session first. Then start your first fund.
The Roadmap Session decides whether investing is the right next step — or whether the first five steps still need attention.
Free session. No products discussed. Reply within one business day.
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