Starting January 22, 2021, all Interbank Fund Transfer Limit via ATM terminals is now set at PHP 50,000.

The Interbank Fund Transfer limit via ATM terminals is now set at PHP50,000.

An update on the Interbank Fund Transfer Limit

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The Interbank Fund Transfer limit via ATM terminals is now set at PHP50,000. 

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Updated Interbank Fund Transfer Limit

**Metrobank UITF NAVPU**

 Check the performance of Metrobank’s Unit Investment Trust Funds (UITFs) by looking at their corresponding net asset value per unit (NAVPU)
	
**Updated as of September 14, 2021**

| Fund name | Net Asset Value per Unit (NAVPU) |
| ------------------------------------------------------------------------------------------------------------------------- | -------------------------------- |
| [Metro Money Market Fund](https://www.datocms-assets.com/26060/1631257983-metro-money-market-fund.pdf) | 1.707219|
| [Metro Max-5 Bond Fund](https://www.datocms-assets.com/26060/1631256518-metro-max-5-bond-fund.pdf) |2.141779|
| [Metro Max-3 Bond Fund](https://www.datocms-assets.com/26060/1631256547-metro-max-3-bond-fund.pdf) |2.131500|
| [Metro Corporate Bond Fund](https://www.datocms-assets.com/26060/1631256408-metro-corporate-bond-fund.pdf) |1.173923|
| [Metro Balanced Fund](https://www.datocms-assets.com/26060/1631259955-metro-balanced-fund.pdf) |3.386798|
| [Metro Equity Fund](https://www.datocms-assets.com/26060/1631259993-metro-equity-fund.pdf) |2.361428|
| [Metro Philippine Equity Index Tracker Fund](https://www.datocms-assets.com/26060/1631258044-metro-philippine-equity-index-tracker-fund.pdf) |0.995141 |
| [Metro High Dividend Yield Fund](https://www.datocms-assets.com/26060/1631256473-metro-high-dividend-yield-fund.pdf) |0.923198|
| [Metro Aspire Bond Feeder Fund](https://www.datocms-assets.com/26060/1631256040-metro-aspire-bond-feeder-fund.pdf) |1.160606|
| [Metro Unit Paying Fund](https://www.datocms-assets.com/26060/1631258614-metro-unit-paying-fund.pdf) |1.021195|
| [Metro Short Term Fund](https://www.datocms-assets.com/26060/1631258099-metro-short-term-fund.pdf) |1.114801|
| [Metro Aspire Balanced Feeder Fund](https://www.datocms-assets.com/26060/1631256078-metro-aspire-balanced-feeder-fund.pdf) |1.027992|
| [Metrobank PERA Money Market Fund](https://www.datocms-assets.com/26060/1631256249-metrobank-pera-money-market-fund.pdf) |0.972349|
| [Metrobank PERA Bond Fund](https://www.datocms-assets.com/26060/1631256339-metrobank-pera-bond-fund.pdf) |1.000468|
| [Metrobank PERA Equity Fund](https://www.datocms-assets.com/26060/1631256272-metrobank-pera-equity-fund.pdf) |1.046018|
| [Metro Aspire Equity Feeder Fund](https://www.datocms-assets.com/26060/1631255943-metro-aspire-equity-feeder-fund.pdf) |0.990187|
| [Metro$ Max-3 Bond Fund](https://www.datocms-assets.com/26060/1631258455-metro-dollar-max-3-bond-fund.pdf) |1.813472|
| [Metro$ Max-5 Bond Fund](https://www.datocms-assets.com/26060/1631258422-metro-dollar-max-5-bond-fund.pdf) |2.174349|
| [Metro$ Short Term Fund](https://www.datocms-assets.com/26060/1631258560-metro-dollar-short-term-fund.pdf) |1.361201|
| [Metro$ Money Market Fund](https://www.datocms-assets.com/26060/1631258504-metro-dollar-money-market-fund.pdf) |1.031363|
| [Metro$ Asian Investment Grade Bond Fund ](https://www.datocms-assets.com/26060/1631258155-metro-asian-investment-grade-bond-fund.pdf) |1.159761|

&nbsp;

**Updated as of September 13, 2021**

| Fund name | Net Asset Value per Unit (NAVPU) |
| ------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------- |
| [Metro$ World Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770976-metro-dollar-world-equity-feeder-fund.pdf) |1.771936|
| [Metro$ US Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770831-metro-dollar-us-equity-feeder-fund.pdf) |1.640468|
| [Metro$ Eurozone Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770751-metro-dollar-eurozone-equity-feeder-fund.pdf) |1.172108|
| [Metro$ Japan Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770789-metro-dollar-japan-equity-feeder-fund.pdf) |1.214302|
| [Metro$ US Investment Grade Corp Bond Feeder Fund](https://www.datocms-assets.com/26060/1629770901-metro-dollar-us-investment-grade-corporate-bond-feeder-fund.pdf) |1.186927|


&nbsp;

**Updated as of September 10, 2021**
	
| Fund name | Net Asset Value per Unit (NAVPU) |
| ------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------- |
| Metro Multi-Themed Equity Fund of Funds|1.023991|

&nbsp;
 
	
 **What are Unit Investment Trust Funds**

 Investors of any level of expertise and investment amount can put their money in a basket of different kinds of investments through UITFs. There are several UITFs to choose from, each catering to a particular investment goal. They’re open-ended investments, meaning you get to choose when you put your money in and when you withdraw.

 **How to read NAVPU**

 The NAVPU is your basis for identifying how much your investment has increased or decreased in value. To read the NAVPU, simply take the NAVPU when you initially put money in and see what the current value is. 

 How fast the NAVPU fluctuates depends on the kind of UITF. The NAVPU takes into account all rates and fees involved. If you withdraw when the NAVPU is higher than when you entered, you’ve gained from your investment. If you withdraw when the NAVPU is lower than when you entered, you will lose money. So, always make sure to check the NAVPU before you withdraw.

Check the performance of Metrobank’s unit investment trust funds (UITFs) by looking at their corresponding net asset value per unit (NAVPU).  

Net Asset Value per Unit (NAVPU)

Metrobank continues to follow shortened banking hours in all its branches nationwide. Starting August 2, 2021, all branches observe this schedule:

* Open from 9:00 AM to 2:00 PM, Monday to Friday
* For check deposits done over the counter, clearing cut-off time is moved to 2:00 PM.
* Branches are closed during local and national holidays.


**List of closed branches on September 15, 2021**

<details>
<summary>Metro Manila</summary>

* D. Tuazon 
* Fairview 
* Susano Road
* Rizal Ave Ext
* Samson Road
* Edsa Muñoz Market
* Vasra Visayas Ave
* Culiat Tandang Sora
* 20Th Ave.-Cubao
* Boni Serrano
* San Joaquin Pasig 
* Ortigas Rockwell
* Pasig Estancia Mall
* Antipolo Imall
* Sumulong Fatima
* Sta. Elena
* Soler
* ADB
* Fort Shangrila
* Fort Seibu Tower
* Alabang
* Muntinlupa-Tunasan

</details>

<details>
<summary>Provicial Branches</summary>

* Calamba Carmelray
* San Pablo Main
* Naga Roxas Avenue
* Balanga Don Banzon
* Baguio Marcos Hiway
* Boracay
* Davao Airport View
* Tagum Apokon
* Davao Ecoland
* Davao Lanang

</details>


&nbsp;

**List of closed branches on September 16, 2021**

<details>
<summary>Metro Manila</summary>

* D. Tuazon 
* Fairview 
* Susano Road
* Rizal Ave Ext
* Samson Road
* Edsa Muñoz Market
* Vasra Visayas Ave
* Culiat Tandang Sora
* 20Th Ave.-Cubao
* Boni Serrano
* San Joaquin Pasig 
* Ortigas Rockwell
* Pasig Estancia Mall
* Antipolo Imall
* Sumulong Fatima
* Sta. Elena
* Soler
* ADB
* Fort Shangrila
* Fort Seibu Tower
* Alabang
* Muntinlupa-Tunasan

</details>

&nbsp;


**List of closed branches on September 17, 2021**

<details>
<summary>Metro Manila</summary>

* D. Tuazon 
* Fairview 
* Susano Road
* Rizal Ave Ext
* Samson Road
* Edsa Muñoz Market
* Vasra Visayas Ave
* Culiat Tandang Sora
* 20Th Ave.-Cubao
* Boni Serrano
* San Joaquin Pasig 
* Ortigas Rockwell
* Pasig Estancia Mall
* Antipolo Imall
* Sumulong Fatima
* Sta. Elena
* Soler
* ADB
* Fort Shangrila
* Fort Seibu Tower
* Alabang
* Muntinlupa-Tunasan
	
</details>


 *Local government restrictions can affect cut-off time. 

Update as of 6:00PM, 14 September 2021

Check the shortened banking hours and the closed branches, as we take proactive measures to protect you from the surge of COVID-19 cases in key areas in Metro Manila.

Shortened banking hours for branches nationwide


Indicative Foreign Exchange Rate as of **September 14, 2021  8:55 AM**

These rates are indicative only and may change without prior notice.

Visit your nearest branch to know the actual rates for the day.

| Currency                | BUYING - Notes | BUYING - Draft | BUYING - TT/EB | SELLING - DD/TT/IB |
| ----------------------- | -------------- | -------------- | -------------- | ------------------ |
| US Dollar (USD)         |  49.650  |  49.650 |  49.650 |  50.150  |
| Euro (EU)               |  56.7000 | 58.1700 | 58.3700 |  59.4800 |
| British Pound (GBP)     |  65.7500 | 68.2600 | 68.4600 |  69.6600 |
| Swiss Franc (CHF)       |  52.3100 | 53.3100 | 53.5100 |  54.6700 |
| Japanese Yen (JPY)      |  0.4352  |  0.4472 |  0.4492 |  0.4579  |
| Australian Dollar (AUD) |  35.0000 | 36.1100 | 36.3100 |  37.1800 |
| Canadian Dollar (CAD)   |  37.9600 | 38.8100 | 39.0100 |  39.8900 |
| Danish Kroner (DKK)     |     -    |  7.5000 |  7.7000 |  8.1600  |
| Hong Kong Dollar (HKD)  |  6.1700  |  6.1700 |  6.3700 |  6.4500  |
| Singapore Dollar (SGD)  |  35.8900 | 36.6500 | 36.8500 |  37.5000 |
| Chinese Yuan (CNY)      |  7.6900  |    -    |    -    |  7.8000  |
| Bahrain Dinar (BHD)     | 126.6200 |    -    |    -    |     -    |
| Brunei Dollar (BND)     |  35.5600 |    -    |    -    |     -    |
| Indonesia Rupiah (IDR)  |  0.0032  |    -    |    -    |     -    |
| Saudi Arabia Rial (SAR) |  12.7200 |    -    |    -    |     -    |
| Thai Baht (THB)         |  1.4255  |    -    |    -    |     -    |

_Rates are quoted in Philippine peso (PHP)._

---


Stay updated with what’s happening in the world of foreign exchange.

Foreign Exchange Rate

Every year, thousands of fresh graduates enter the Philippine workforce as they land their first jobs. As these young professionals get a taste of working a full-time job, they also get to reap the benefits of their first salary.

Now, it’s no secret that fresh grads earn relatively less than their more experienced counterparts with more years under their belt. And while they may focus on working hard to earn their next pay raise, some fresh grads may not realize that they have available investment opportunities even with the average starting salary.

If you’re one of these recent graduates, here are a few instruments you can invest in for your future.

## Savings account

The first step to invest in your future is by opening a [regular savings account](https://metrobank.com.ph/save/savings).

For as low as P2000, you can open an ATM savings account with Metrobank to start building your financial stability. A regular passbook savings account, meanwhile, will only require a minimum initial deposit of P10,000. Ideally, you should not touch the money in your savings account except for emergency expenses. You should have a separate account for your everyday needs. Keep in mind to have at least P2000 in your ATM savings account and P10000 in your regular passbook savings account to avoid paying any fees.

You can use this savings account as a jump-off point for your emergency fund or any financial savings plan you want to have in the future. You can also earn a small interest over time, which can grow as you continue to deposit money into your account.

Having a savings account is a good starting point in your financial journey as it teaches you how to manage your finances and steers you in the right direction towards achieving your financial goals.

## Unit Investment Trust Fund

Today, even fresh grads can enter financial investments depending on their risk tolerance. A common misconception about investment instruments is that it is exclusive to those earning high salaries and have a lot of disposable income.

While it is possible for you to enter high-risk, high-reward investment instruments immediately as a fresh grad, you can start conservatively with instruments like [Unit Investment Trust Funds](https://metrobank.com.ph/invest/uitf) (UITF) for as low as P1,000.

The Metro Aspire Equity Feeder Fund, for instance, requires a minimum initial investment of P1,000, which also serves as its maintaining balance, and a minimum monthly contribution of P500 for at least two years. With access to investments with higher requirements, you get to make the most of your salary as an early investor.

UITFs are pooled investment funds managed by financial professionals who know where to best invest your money to help it grow. While it isn’t risk-free, first-time investors may prefer to let a professional handle their financial growth rather than do it themselves. This can give you an idea of how investment markets work before moving on to riskier investments.

Start doing so much more by investing in your future.

Begin investing meaningfully with Metrobank through our various UITF products.

## Life and health insurance

Apart from investing as soon as you start earning a paycheck, it’s also recommended that you consider getting a life and health insurance at an early age. You are at the peak of your health in your twenties, translating to lower health and life insurance premiums.

As you grow older, the cost of premiums increases as well. It’s better to invest in your health now than wait for a few years.

The best time to start investing is when you are young. Invest in an AXA health insurance plan today.

## Yourself

While an investment is often monetary, it can come in various ways and forms. Improving and caring for your health and well-being may not rake in the pesos, but it can help you become a better individual in the long run.

As a fresh graduate, you are still at the start of your career. There are plenty of ways to invest in yourself to make you stand out from a crowd with similar skills.

Find online courses or certification trainings to help you learn additional skills that will make you a more valuable person in your field. If you can’t find free training materials online, consider buying books or attending paid seminars and conferences. These will help you learn new concepts you can bring to the workforce.

Investing early can give you financial advantages later in life; it takes you a step closer to your long-term goals in life. Instead of spending your first paycheck on a brand-new phone right away, why not go the smart route and either save a portion of it, or spend it on something that can benefit you in the long run?

Open a [Metrobank Savings Account](https://metrobank.com.ph/save/savings) today.

Yes, fresh graduates should look to investing on their future selves even with a starting salary! Here are four investment opportunities to consider.

Four investment opportunities ideal for fresh graduates

Parents who want to see their children grow into financially responsible adults must start teaching the value of money early. One study published in 2010 found out that children are likely to carry over their traits to adulthood. If you want your children to grow into responsible adults who know how to save money for a rainy day, it’s best to train them while they’re young.

This is particularly important considering that not all adults have good financial habits. Here are a few ways to teach your children the value of saving and instill good financial practices.

### Open a savings account

Many children may not understand the value of saving money because they either don’t keep track of expenses or aren’t a fan of delayed gratification. By opening their own savings account as early as possible, it can be easier for them to track their money and know how much they are saving through their spending habits.

With a [savings account](https://metrobank.com.ph/save/savings), your child can keep track of where all their allowances, savings, money gifts, and other sources of money go. And with your help, this can lead them to develop a habit of saving.

One of your options is the Fun Savers Club Account, available to children up to 17 years old. By the time your child turns 18, their account will be converted into a regular savings account to help them get a headstart into adulthood.

### Provide savings incentives

Children are more likely to respond to positive reinforcement like incentives. By providing incentives, you are associating saving and delayed gratification with a rewarding feeling that could carry on as they grow older.

Give your child a lesson in interest and delayed gratification with strategies they can understand. One example is to give them a PHP100 bonus for every month they do not withdraw from their savings account. Or, if their monthly savings from their allowance reach a certain amount, you can reward them with extra money for their savings account.

### Explore earning opportunities

Younger children may not completely understand where money comes from or how hard their parents work to earn it. Here’s a good way to help them understand the value of money.

On top of their regular allowance, give your child the opportunity to earn additional money through chores. This will help them realize at an early age that money does not just sprout on trees. The money they earn can be used to spend on their wants, so if they want to buy something expensive, they have to learn how to save.

### Letting them learn from their own mistakes

Your children may still be prone to make financial mistakes, like spending all their allowance before their next one is due, or experiencing [buyer’s remorse](/articles/learn/how-to-avoid-buyers-remorse) after buying an expensive toy. While it’s not ideal, it is better for your children to make mistakes now and learn from them rather than commit these mistakes later on.

It’s important that your children understand the consequences of their actions. For instance, if they spend all their savings on a new video game console, make them realize that they can’t splurge on other wants, like ice cream or going out with friends. This can help them understand that they need to weigh their spending and see if leaving no savings for themselves is worth the cost.

As you prepare for your children’s future, don’t forget to look into their spending habits to gain an insight on how they might spend their money later in life. It is best to train your children to become financially responsible during their formative years so that they bring these practices to adulthood.

Good financial habits kids pick up at an early age can carry over into their adulthood. Here are a few ways to instill the value of saving in your children.

Teaching your kids to save

More Filipinos are beginning to understand the benefits of investing and having other forms of passive income. With so many available options in the market, many are exploring investments that offer low risks but high rewards. So, when certain types of investments are advertised as income generating high returns with little to no risk, many are tempted to grab this opportunity.

But if something seems too good to be true, then it probably is. It can be a scam,  fraudulent activity, or false advertising that will not give you the returns you expect.

With that in mind, here are some red flags to watch out for and when to say “no” to these supposed investment opportunities.

### Guaranteed zero risk and fast returns

No form of investment will guarantee zero risk. Legitimate investments advertised to Filipinos never claim to have zero risk because there will always be some amount of risk associated with investments.

So when someone tells you of an investment that has guaranteed zero risk, there’s a chance that they are fluffing up an investment deal to sound more lucrative.

And when it comes to yields, remember that the higher the risk, the higher the return. So, if you’re being told of an investment that involves low risk and high returns, that’s a red flag on its own.

A good rule of thumb: if it sounds like an absurdly high return, it probably is too good to be true.

### Requiring you to recruit to earn

If you are earning more money through recruitment than your actual investment, then this is not an investment–it’s a pyramid scheme. It’s an unsustainable business model where those at the top of the pyramid earn more because the people they recruited got more people into their network.

A pyramid scheme might feel like a lucrative investment at first, but this is not built to last. Eventually, when you stop finding new people to recruit and your network stops recruiting, there is no way for you to earn.

So, if you need to recruit to profit more, this is a red flag. Your profit stops when you stop recruiting.

### Rushed to make a decision

The market may be vulnerable to fluctuation, but this is no excuse to rush on a significant investment. A good investment takes time.

Do your research before you make a decision. Legitimate investments are often made with informed experts who can help you decide where to invest.

If you feel pressured or rushed to make a significant investment, it’s always a good decision to walk away. Because there is some risk involved in investments, those who offer investments would understand why you need to do your research first before parting with your money. Someone who offers investments is never aggressive nor uses guilt tactics to make you invest.

### ‘Everyone is doing it, so you should, too’

Just because everyone is doing it does not mean it is a lucrative investment opportunity. Following the bandwagon is never a good reason to think that something is a good idea.

Do your research on the company rather than accept an investment opportunity at face value just because everyone is throwing their money at something.

### Very little information given

Legitimate businesses and investments want to paint you the whole picture before you decide to invest. So, if you happen to stumble upon an investment opportunity that offers very little information, then this is a red flag.

Withholding information like the company name, what it does, or whether or not it is registered with the Securities and Exchange Commission (SEC) is a sign that this investment is shady. If you want to dig deeper, get in touch with the SEC to verify the name and address of the company and the person who does the offer. Get the company landline number to trace back to the name of the owner and, lastly, check if that person or company has the right to offer that kind of investment product.

There are opportunities in investments, but you should be able to spot red flags to avoid being fooled. If an investment is too good to be true, then it is wiser to invest your money elsewhere.

For both new and experienced investors, we suggest investing in a healthy mix of collective investment schemes like  UITFs from Metrobank. Whatever your starting amount or level of expertise, there is something for you from our wide array of investment options.

Not sure where to start? Don't worry. We'll be with you every step of the way. Visit your nearest Metrobank branch and let us help you find the investment that will make life more meaningful for you. To learn more about our investment schemes, visit https://metrobank.com.ph/invest.

If it’s too good to be true, then it probably is. Here are the red flags to watch out for to avoid making a bad investment.

Signs to walk away from questionable investment opportunities

Investing is now accessible to all. With a small capital and the right knowledge, you can unlock many investment opportunities right at your fingertips.

Two of these fall under the bond market and the equity market. But before you start investing in these financial instruments, you need to understand the difference between these two options.

### The bond market

Also known as fixed income securities, are where loan investments are bought and sold. This is often done by large organizations and individual investors.

Think of it as lending money to someone. Market performance does not change the fact that someone owes you money. That person is bound to pay you back the original sum plus interest no matter what, unless the market collapses. And if that person goes bankrupt and is forced to liquidate assets, he or she is still bound to pay you off.

The same example applies to the bond market. Bond investments are less likely to fluctuate than the stock market. And should the debtor cease to operate and liquidate its assets, bondholders (aka investors) are the first to get paid to recoup their losses.

Because bonds are not cash instruments, they are ideal for investors with at least moderate risk tolerance as these investments offer lower returns compared to other financial instruments.

Here are a few bond market investments in the Philippines:

* *Government treasury bonds (or government bonds).* The government owes the person or organization (i.e. the bearer) holding government bonds. These have lower returns than corporate bonds since they have a lower risk because they are backed by the government.

* *Corporate bonds.* Firms and corporations issue bonds to investors in order to fund their capital improvements, expansions, and the like.

* *T-bills.* Also known as treasury bills, t-bills are short-term fixed income securities issued by the Republic of the Philippines through its Bureau of Treasury.

* *RTBs.* Retail treasury bonds are medium- to long-term investments issued by the government as a part of their savings mobilization program to make securities available to retail investors.

### The stock market

The stock market, on the other hand, is also known as the equity market. Here, stocks of publicly listed companies are bought and sold. In the Philippines, the Philippine Stock Exchange is the sole marketplace for stock exchange.

Investing in the equity market is like owning part of a business. As part-owner, you are entitled to the profits of that organization, which can be a lot more than what you initially paid to become the owner.

When a business is successful, it can mean greater returns. However, this also means that should the business fail, you may not get your money back from investing in this organization.

Social, political, and economic changes can affect market movement, making it a risky investment. Because of the volatile nature of the stock market, there’s no assurance of profit gains. The equity market is seen as the riskier option for first-time investors, but it has the potential for higher returns than other investments in the bond market. After all, the higher the risk, the higher the reward.

Here are some ways you can access the stock market in the Philippines:

* *Unit Investment Trust Funds (UITFs).* Invest in stocks through equity funds managed by investment professionals of a bank or a Trust entity

* *Shares of stocks.* Purchase stocks through a broker or any online trading platform.

To sum it up, you can invest in either the bond market or the stock market. If you want to play it safe and prefer slow-growing but low-risk investments, research on investment instruments that fall under the debt market. But if you want to see higher returns and have the stomach for high risk investments, then take a look at what the equity market has to offer.

Start investing meaningfully today. Download the earnest app, go to https://earnest.ph/, or head to the nearest Metrobank branch to get started.

For existing investors, you may enroll your UITF account in UITF online in MBO to gain 24/7 access to it.

There are two main categories of investment: debt market and equity market. Here is what the everyday investor should know about how these two categories can affect their investment goals.

Bond vs. Stock Market: Everything you need to know

## HOME LOAN MECHANICS:

**Promo Eligibility**

* All applications approved from September 1 to October 31, 2021 and booked up to December 31, 2021 shall enjoy a partial/total fee waiver, low interest rate and pre-qualified credit card.
* All applications approved prior to September 1, 2021 are excluded from the promo.
* Minimum loan amount of P1,000,000.00 for all loan purposes.
* Minimum loan term of 5 years (60 months)

**Promo Offering**

* Waived fees up to P30,000 (inclusive of Mortgage Registration Fees, Documentary Stamp Tax, and Notarial Fee)

* Special Interest Rates:

	| Rate Fixing Period | Promo Rates |
	|:------------------:|:-----------:|
	| 1 year | 5.25% |
	| 2 years | 5.25% |
	| 3 years | 5.25% |
	| 4 years | 6.25% |
	| 5 years | 6.25% |
	*0.50% shall be added for Personal Consumption Loan
	
* Pre-qualified Metrobank credit card. The credit card type and credit limit will depend on the loan amortization:

![pre-qualified metrobank card](https://www.datocms-assets.com/26060/1630992135-home-loan-table.png)

**Promo Conditions**

* The loan availed under this promo is subject to a lock-in period of 24 months (2years) from booking date. 
* During the lock-in period, the client: 
		-Shall not partial pay/pre-terminate/fully pay the loan. 
		-Shall not request for amendment of the originally approved terms and conditions, such as changes in rate or loan term.
* In case of violation of any of the above conditions, client shall pay for the rate difference between the board interest rate at the time of loan booking and the promo rate only.
* All other loan related fees, such as but not limited to appraisal fee, title investigation fee, handling fee and insurance premiums, are not eligible for the waived fees offer and shall be shouldered by the client
* The promo is non-transferrable and may not be availed in conjunction with other on-going promotional activities or other special considerations
* The Bank must be advised in writing, if client opts to avail of other on-going promotional activities or other special considerations.
* The pre-qualified credit card may only be availed by individual loan borrowers.
* The pre-qualified credit card may be offered to either principal loan borrower or co-borrower as principal credit card holder but cannot be both. The other loan borrower may apply as the supplementary credit card holder. 
* Any deviations as to mechanics will be subject for approval of DTI.
* Standard Home Loan and Metrobank Credit Card Terms and Conditions shall apply.

*Disclaimer: The mechanics have been amended with the approval of DTI effective September 6, 2021.* 


**Customer Support**

For any questions or clarifications on the promo, customers may contact Metrobank
Contact Center at (02) 88-700-700, or send an email to
customercare@metrobank.com.ph

- - -
Per DTI Fair Trade Permit No. FTEB-126159, Series of 2021

Score competitive rates plus more when you apply for a Metrobank Home Loan. Check out the promo mechanics below.

Metrobank’s Home Loan Promo with Low Rates

## CAR LOAN MECHANICS:

**Promo Eligibility**

* All applications approved from September 1 to October 31, 2021 and subsequently booked up to December 31, 2021 shall enjoy a partial/total fee waiver, low interest rate and pre-qualified credit card.
* All applications approved prior to September 1, 2021 are excluded from the promo.
* Minimum amount financed of P350,000.00
* Minimum loan term of 3 years (36 months).
* Maximum loan term of 5 years (60 months)
* Minimum down payment of 20% of the vehicle’s net selling price
* Applicable to purchase and reimbursement of brand new vehicles for private and commercial use (corporate facility).
* Vehicles sourced from gray market dealerships are not qualified.

**Promo Offering**

* Waived Fees up to P30,000 (inclusive of Security Interest Registration Fee, Documentary Stamp Tax(DST), and Notarial Fee ). Amount of waiver will depend on the loan term:

![waived security interest reg fee](https://www.datocms-assets.com/26060/1630652920-clg-promo-mechanics-table-waived-fees-2-2.png)

* Special Interest Rates:

![Special Interest Rates](https://www.datocms-assets.com/26060/1630652196-clg-promo-mechanics-table-special-interests-rates.png)

* Pre-qualified Metrobank Toyota Mastercard credit card. The credit limit of the credit card will depend on the loan amortization:

![loan amortization](https://www.datocms-assets.com/26060/1630991834-car-loan-table.png)

**Promo Conditions**

* The loan availed under this promo is subject to a lock-in period of 24 months (2years) from booking date.
* During the lock-in period, the client: 
	-Shall not partially pay/pre-terminate/fully pay the loan. 
	-Shall not request for amendment of the originally approved terms and conditions, such as changes in rate or loan term.
* In case of violation of any of the above conditions, client shall pay for the rate difference between the interest rate at the time of loan booking and the promo rate only.
* All other loan related fees, such as but not limited to appraisal fee, handling fee and insurance premiums, are not eligible for the waived fees offer and shall be shouldered by the client.
* Shall keep the vehicle under this promo for private use only and not convert the same to a public utility vehicle for the entire loan term
* Pre-termination payback is waived provided loan is fully paid via collection of insurance proceeds.
* The client shall authorize the Bank to hold original LTO OR/CR, Deed of Cancellation/Release of Security Interest, and other documents relative to the motor vehicle until maturity/full settlement of the loan and/or until any unpaid obligation is settled.
* The promo is non-transferrable and may not be availed in conjunction with other on-going promotional activities or other special considerations
* The Bank must be advised in writing, if client opts to avail of other on-going promotional activities or other special considerations.
* The pre-qualified credit card may only be availed by individual loan borrowers.
* The pre-qualified credit card may be offered to either principal loan borrower or co- borrower as principal credit card holder but cannot be both. The other loan borrower may apply as the supplementary credit card holder. 
* Any deviations as to mechanics will be subject for approval of DTI.
* Standard Car Loan and Metrobank Credit Card Terms and Conditions shall apply.

*Disclaimer: The mechanics have been amended with the approval of DTI effective September 6, 2021.* 


**Customer Support**

For any questions or clarifications on the promo, customers may contact Metrobank
Contact Center at (02) 88-700-700, or send an email to
customercare@metrobank.com.ph

- - -
Per DTI Fair Trade Permit No. FTEB-126165, Series of 2021

Score competitive rates plus more when you apply for Metrobank’s Amazing Car Loan promo. Check out the mechanics below.

Metrobank’s Car Loan Promo with Low Rates

Here’s what you need to know about this fund:

| Fund Name                                            | Metrobank PERA Equity Fund                                 |
|------------------------------------------------------|------------------------------------------------------------|
| Investor Risk Profile                                | Aggressive: High potential returns for high amount of risk |
| Investment Horizon                                   | At least 5 years 			                    |
| Fund Classification                                  | Equity 						    |
| Fund Assets                                          | Equities comprising the PSEi and Deposits 		    |
| Minimum Initial Participation / Maintaining Balance  | 5,000.00                                  		    |
| Minimum Additional Participation / Redemption Amount | 5,000.00                                  		    |
| Minimum Holding Period                               | 30 days                                   		    |
| Early Redemption Charge                              | 50% of total income earned from the redeemed amount        |
| Redemption Settlement Date                           | 3 banking days after redemption 			    |
| Trust Fee                                            | 1.00% p.a. based on Net Asset Value (NAV)                  |


**What is PERA?**

Personal Equity and Retirement Account (PERA) is a voluntary retirement account, where you can take advantage of its tax free benefits to supplement your retirement fund.

As a product provider, Metrobank offers various PERA funds that are available through an accredited PERA administrator.  We have partnered with ATRAM Trust Corporation to bring you 3 PERA UITFs.

To invest in Metrobank’s PERA funds, you may visit [Seedbox](https://pera.seedbox.ph), ATRAM’s online investment platform or email pera.support@seedbox.ph.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256272-metrobank-pera-equity-fund.pdf)


These are funds that let you set aside and invest money for a comfortable retirement by investing in assets which are tax-exempt in accordance with the PERA Law.

Metrobank PERA Equity Fund

Here’s what you need to know about this fund:

| Fund Name                                            | Metrobank PERA Bond Fund                                                                                                                                                                                                                                                                                                                                         |
| ---------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Investor Risk Profile                                | Moderate: Medium amount of risk for medium potential returns                                                                                                                                                                                                                                                                                                     |
| Investment Horizon                                   | At least 3 years                                                                                                                                                                                                                                                                                                                                                 |
| Fund Classification                                  | Bond - Medium Term                                                                                                                                                                                                                                                                                                                                               |
| Fund Assets                                          | Deposits with local banks/branches of foreign banks operating in the Philippines, deposits and other evidences of indebtedness by the Bangko Sentral ng Pilipinas (BSP), loans arising from Repos, tradable Philippine sovereign fixed income securities, tradable Philippine corporate fixed income securities, other investments allowed under BSP regulations |
| Minimum Initial Participation / Maintaining Balance  | 5,000.00                                                                                                                                                                                                                                                                                                                                                         |
| Minimum Additional Participation / Redemption Amount | 5,000.00                                                                                                                                                                                                                                                                                                                                                         |
| Minimum Holding Period                               | 30 days                                                                                                                                                                                                                                                                                                                                                          |
| Early Redemption Charge                              | 50% of total income earned from the redeemed amount                                                                                                                                                                                                                                                                                                              |
| Redemption Settlement Date                           | 1 banking day after redemption                                                                                                                                                                                                                                                                                                                                   |
| Trust Fee                                            | 0.75% based on Net Asset Value (NAV)                                                                                                                                                                                                                                                                                                                             |

**What is PERA?**

Personal Equity and Retirement Account (PERA) is a voluntary retirement account, where you can take advantage of its tax free benefits to supplement your retirement fund.

As a product provider, Metrobank offers various PERA funds that are available through an accredited PERA administrator.  We have partnered with ATRAM Trust Corporation to bring you 3 PERA UITFs.

To invest in Metrobank’s PERA funds, you may visit [Seedbox](https://pera.seedbox.ph), ATRAM’s online investment platform or email pera.support@seedbox.ph.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256339-metrobank-pera-bond-fund.pdf)


Metrobank PERA Bond Fund

Here’s what you need to know about this fund:

| Fund Name                                            | Metrobank PERA Money Market Fund                                                                                                                                                                                                                                                                                                                                |
| ---------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Investor Risk Profile                                | Moderate: Medium amount of risk for medium potential returns                                                                                                                                                                                                                                                                                                    |
| Investment Horizon                                   | At least 6 months                                                                                                                                                                                                                                                                                                                                               |
| Fund Classification                                  | Money Market                                                                                                                                                                                                                                                                                                                                                    |
| Fund Assets                                          | Deposits and special savings with local banks/branches of   foreign banks operating in the Philippines, deposits and other evidences of   indebtedness by the Bangko Sentral ng Pilipinas (BSP),Government Securities,   Corporate Bonds, loans arising from Repurchase Agreements (Repos), and other   investments allowed under regulations issued by the BSP |
| Minimum Initial Participation / Maintaining Balance  | 5,000.00                                                                                                                                                                                                                                                                                                                                                        |
| Minimum Additional Participation / Redemption Amount | 5,000.00                                                                                                                                                                                                                                                                                                                                                        |
| Minimum Holding Period                               | 7 days                                                                                                                                                                                                                                                                                                                                                          |
| Early Redemption Charge                              | 50% of total income earned from the redeemed amount                                                                                                                                                                                                                                                                                                             |
| Redemption Settlement Date                           | 1 banking day after redemption                                                                                                                                                                                                                                                                                                                                  |
| Trust Fee                                            | 0.50% based on Net Asset Value (NAV)                                                                                                                                                                                                                                                                                                                            |

**What is PERA?**

Personal Equity and Retirement Account (PERA) is a voluntary retirement account, where you can take advantage of its tax free benefits to supplement your retirement fund.

As a product provider, Metrobank offers various PERA funds that are available through an accredited PERA administrator.  We have partnered with ATRAM Trust Corporation to bring you 3 PERA UITFs.

To invest in Metrobank’s PERA funds, you may visit [Seedbox](https://pera.seedbox.ph), ATRAM’s online investment platform or email pera.support@seedbox.ph.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256249-metrobank-pera-money-market-fund.pdf)



Metrobank PERA Money Market Fund

Here’s what you need to know about this fund:

| **Fund name** | US Investment Grade Corporate Bond Feeder Fund |
| ----------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | USD – Feeder |
| **Fund assets** | Invested in US Dollar-denominated, investment grade corporate bonds that comprise the US Investment Grade Corporate maket |
| **Target fund** | iShares iBOXX $ Investment Grade Corporate Bond Exchange-traded Fund |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 4 banking days after redemption |
| **Trust fee** | 0.50% per annum based on Net Asset Value |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1629770901-metro-dollar-us-investment-grade-corporate-bond-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in the Japanese stock market. This fund contains shares in the iShares MSCI Japan Exchange-traded Fund.

Metro$ US Investment Grade Corporate Bond Feeder Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ Japan Equity Feeder Fund |
| ----------------------------------------------------- | ---------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | USD – Feeder |
| **Fund assets** | Invested in stocks that comprise the Japan Equity Market |
| **Target fund** | iShares MSCI Japan Exchange-traded Fund |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 4 banking days after redemption |
| **Trust fee** | 0.75% per annum based on Net Asset Value |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1629770789-metro-dollar-japan-equity-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in the Japanese stock market. This fund contains shares in the iShares MSCI Japan Exchange-traded Fund. 

Metro$ Japan Equity Feeder Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ Eurozone Equity Feeder Fund |
| ----------------------------------------------------- | ----------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | USD – Feeder |
| **Fund assets** | Invested in stocks that comprise the European Equity Market |
| **Target fund** | iShares MSCI Eurozone Exchange-traded Fund |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 4 banking days after redemption |
| **Trust fee** | 0.75% per annum based on Net Asset Value |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1629770751-metro-dollar-eurozone-equity-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence.__

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest. _

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in stocks across the Eurozone. This fund contains shares in the iShares MSCI Eurozone Exchange-traded Fund. 

Metro$ Eurozone Equity Feeder Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ US Equity Feeder Fund |
| ----------------------------------------------------- | ---------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | USD – Feeder |
| **Fund assets** | Invested in stocks that comprise the US Equity Market |
| **Target fund** | iShares Core S&P 500 Exchange-traded Fund |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 4 banking days after redemption |
| **Trust fee** | 0.75% per annum based on Net Asset Value |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1629770831-metro-dollar-us-equity-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 8857-56-61 (Mondays – Fridays from 9:00 am to 6:00 pm), (2) send an email to tbg.customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in the US stock market. This fund contains shares in the IShares Core S&P 500 Exchange-traded Fund.

Metro$ US Equity Feeder Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ World Equity Feeder Fund |
| ----------------------------------------------------- | ----------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | USD – Feeder |
| **Fund assets** | Invested in equity shares of high-value companies worldwide |
| **Target fund** | Ninety One Global Strategic Equity Fund |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 4 banking days after redemption |
| **Trust fee** | 1% per annum based on Net Asset Value |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1629770976-metro-dollar-world-equity-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in the global stock market. This fund contains shares in the Investec Global Strategic Equity Fund. 

Metro$ World Equity Feeder Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro High Dividend Yield Fund |
| ----------------------------------------------------- | ----------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Equity |
| **Fund assets** | Invested in stocks that provide above average returns from distribution of cash and special dividends |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 2% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256473-metro-high-dividend-yield-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Metro high dividend yield fund and dividend payouts. This fund contains blue-chip stocks that give dividends.

Metro High Dividend Yield Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro Philippine Equity Index Tracker Fund |
| ----------------------------------------------------- | ------------------------------------------------------------------------------------ |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Equity |
| **Fund assets** | Invested in stocks that mimic the Philippine Stock Exchange Index (PSEi) composition |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 1% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631258044-metro-philippine-equity-index-tracker-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Confident in the economy? Invest in the Top 30 biggest and most-traded companies and  follow the movement of the Philippine Stock Exchange Index (PSEi).

Metro Philippine Equity Index Tracker Fund

If you want to start investing in equity funds, here’s what you need to know:

| **Fund name** | Metro Equity Fund |
| ----------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Equity |
| **Fund assets** | Invested in blue chip and fundamentally sound equities listed in the Philippine Stock Exchange (PSE). Aims to beat the performance of the Philippine Stock Exchange Index (PSEi). |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 2% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631259993-metro-equity-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Designed for maximum growth potential. Invest in the stable blue-chip companies in the Philippine stock market.

Metro Equity Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro Balanced Fund |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Balanced |
| **Fund assets** | Invested in a combination of 60% its market value in blue chip stocks and selected second liners listed in the Philippine Stock Exchange (PSE) and 40% of its market value in Peso-denominated fixed income securities |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 2% per annum based on Net Asset Value |

**What is investment horizon?**
The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**
The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**
The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**
Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631259955-metro-balanced-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in a mix of stocks and bonds to maximize growth while managing risk. This fund contains high-quality bonds and blue-chip stocks.

Metro Balanced Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ Asian Investment Grade Bond Fund |
| ----------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Bond – Long term |
| **Fund assets** | Invested in investment-grade US dollar-denominated fixed income securities issued by Asian governments and corporates with a maximum duration of 8 years |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 1% per annum based on Net Asset Value |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1628682142-metro-asian-investment-grade-bond-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Expand your investment journey across Asia. This fund invests in high-quality bonds across the Asian region with a maximum duration of 8 years.

Metro$ Asian Investment Grade Bond Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ Max-5 Bond Fund |
| ----------------------------------------------------- | --------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 3 years |
| **Fund classification** | Bond – Medium term |
| **Fund assets** | Invested in US dollar-denominated fixed income securities with a maximum duration of 5 years. |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 1 banking day after redemption |
| **Trust fee** | 1% per annum based on Net Asset Value |

​**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631258422-metro-dollar-max-5-bond-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in high-quality US Dollar-denominated bonds with a max duration of 5 years. The value of this fund increases through coupon payouts and bonds maturing.

Metro$ Max-5 Bond Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ Short Term Fund |
| ----------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------ |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 6 months |
| **Fund classification** | Money Market |
| **Fund assets** | Invested in US Dollar-denominated money market instruments and fixed income securities that have a maximum duration of 1 year. |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 1 banking day after redemption date |
| **Trust fee** | 0.50% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631258560-metro-dollar-short-term-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Make your US dollar savings grow while protecting yourself from risks. This fund contains a mix of US dollar-denominated time deposits and fixed income investments that will mature in 1 year or less.

Metro$ Short Term Fund

Here’s what you need to know about this fund:

| **Fund name** | Metro$ Money Market Fund |
| ----------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Conservative: Low amount of risk for low potential returns |
| **Investment horizon** | At least 30 days |
| **Fund classification** | Money Market |
| **Fund assets** | Invested in USD-denominated deposit and short-term sovereign fixed income securities with an average weighted duration of 1 year or less. |
| **Minimum initial investment / maintaining balance** | USD 500 |
| **Minimum additional investment / redemption amount** | USD 100 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 1 banking day after redemption date |
| **Trust fee** | 0.125% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631258504-metro-dollar-money-market-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Grow your US dollar savings with minimal risk.  This fund grows in value through USD-denominated time deposits with an average term of 1 year or less.

Metro$ Money Market Fund

If you’re interested in starting a unit income paying fund, here’s what you need to know:

| **Fund name** | Metro Unit Paying Fund |
| ----------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Bond – Long term |
| **Fund assets** | Invested in a combination of preferred shares listed at the Philippine Stock Exchange (PSE) and fixed income securities that will generate income to be distributed to qualified participants on a quarterly basis. |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Quarterly unit income distribution schedule** | Every 3rd Monday of February, May, August, and November |
| **Settlement of unit income distribution** | 1 banking day after scheduled distribution date |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 0.50% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited
 to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631258614-metro-unit-paying-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

A UITF that acts like a bond. Invest in dividend-bearing stocks and coupon-bearing bonds and get payouts every 3 months. 

Metro Unit Paying Fund

If you want to start growing your investments through a corporate bond fund, here’s what you need to know:

| **Fund name** | Metro Corporate Bond Fund |
| ----------------------------------------------------- | -------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 5 years |
| **Fund classification** | Bond – Medium term |
| **Fund assets** | Invested in Peso-denominated corporate fixed income securities with a maximum duration of 5 years. |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | 0.75% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256408-metro-corporate-bond-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in bonds from corporations with high credit ratings. The bonds in this fund have terms of 8 years or less.

Metro Corporate Bond Fund

If you want to start growing your investments through bond funds, here’s what you need to know:

| **Fund name** | Metro Max-5 Bond Fund |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------- |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 3 years |
| **Fund classification** | Bond – Medium term |
| **Fund assets** | Invested in Peso-denominated fixed income securities with a maximum duration of 5 years. |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 1 banking day after redemption |
| **Trust fee** | 1% per annum based on Net Asset Value |

​**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited
 to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256518-metro-max-5-bond-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Invest in high-quality bonds without having to wait for maturity.  The bonds in this fund mature in 5 years or less.

Metro Max-5 Bond Fund

If you want to start growing your investments through this intermediate-term bond fund, here’s what you need to know:

| **Fund name** | Metro Max-3 Bond Fund |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------- |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 1 year |
| **Fund classification** | Bond – Intermediate term |
| **Fund assets** | Invested in Peso-denominated fixed income securities with a maximum duration of 3 years. |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 1 banking day after redemption |
| **Trust fee** | 0.75% per annum based on Net Asset Value |

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256547-metro-max-3-bond-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Don't like waiting for bonds to mature? This fund grows as the multiple bonds inside pay out coupons and mature. The bonds in this fund mature in 3 years or less.

Metro Max-3 Bond Fund

The Metro Short Term Fund is a medium-risk investment suited for moderate investors who want liquidity but are willing to take minimal volatility.

If you are interested in setting up a Metro Short Term Fund, here’s what you need to know:

| **Fund Name** | Metro Short Term Fund |
| ----------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------ |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 6 months |
| **Fund classification** | Money Market |
| **Fund assets** | Invested in Peso-denominated money market instruments and fixed income securities that have a maximum duration of 1 year |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | Same as date of redemption |
| **Trust fee** | 0.60% per annum based on Net Asset Value |

​**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits. The Metro Short Term Fund is a short-term investment that has an investment horizon of at least six months.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will pay an early redemption charge. This short-term investment fund has a minimum holding period of seven calendar days.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your investment is credit to your settlement account. The Metro Short Term Fund has a redemption settlement date that is the same as its date of redemption.

**The Benefits**

The Metro Short Term Fund is ideal for investors with a moderate risk appetite. If you are looking for a moderate-risk investment option with stable returns but with minimal volatility, this is the option for you. With a minimum initial investment of only PHP 10,000, you gain access to high-yielding investments and can see gains in as early as six months.

When it comes to investing in medium-risk high-return investments, you know you’re in good hands with Metrobank. Talk to us today.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631258099-metro-short-term-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

This short-term investment gives you easy access to your money with more earning potential due to investments in time deposits, government securities and corporate bonds.

Metro Short Term Fund

Grow your assets with minimum risk through low-risk investments. This fund is ideal for those looking for an investment that gives better returns than regular time deposits and want to preserve their principal at all times.

If you are interested in investing in a Metro Money Market Fund, here’s what you need to know:


| **Fund Name** | Metro Money Market Fund |
| ----------------------------------------------------- | --------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Conservative: Low amount of risk for low potential returns |
| **Investment horizon** | At least 30 days |
| **Fund classification** | Money Market |
| **Fund assets** | Invested in Peso-denominated high-yielding time deposits and short-term government securites. |
| **Minimum initial investment / maintaining balance** | PHP 10,000 |
| **Minimum additional investment / redemption amount** | PHP 1,000 |
| **Minimum holding period** | 7 calendar days |
| **Early redemption charge** | 50% of income on redeemed amount |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | Same as date of redemption |
| **Trust fee** | 0.50% per annum based on Net Asset Value |

​

**What is investment horizon?**

The investment horizon is the recommended amount of time you should stay invested in this fund so that you can reap its full benefits. The Metro Money Market Fund is a short-term low-risk investment that has an investment horizon of at least 30 days.

**What is minimum holding period?**

The minimum holding period is the minimum amount of time you should stay invested in this fund. If you redeem or withdraw your money before the minimum holding period is complete, you will incur an early redemption charge.

**What is dealing day?**

The dealing day is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off will be processed on the next banking day. The dealing day for this liquidity fund investment is any banking day, up to 12 p.m.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your investment is credit to your settlement account. The redemption settlement date for this low-risk investment money market fund is the same date as your redemption date.

**The Benefits**

The Metro Money Market Fund is ideal for investors with a conservative risk profile, it gives liquidity and gives higher return than regular time deposit while preserving the principal amount. Having a 30-day time horizon, this fund is best for short-term investment goals.

When it comes to investing in a low-risk return investment, you know you’re in good hands with Metrobank. Talk to us today.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631257983-metro-money-market-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

The Metro Money Market Fund is a short-term liquidity fund investment ideal for those who want to preserve their principal at all times. 

Metro Money Market Fund

The Metro Aspire Bond Feeder Fund are affordable low- to high-risk investments that aim to help you to start your investment portfolio for as lows as Php1,000 and make a habit of investing with the help of its monthly auto-invest feature.

If you want to invest in affordable low to high-risk investments, here’s what you need to know.

| **Fund name** | Metro Aspire Bond Feeder Fund |
| ------------------------------------------------------------------- | --------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Moderate: Medium amount of risk for medium potential returns |
| **Investment horizon** | At least 3 years |
| **Fund classification** | PHP – Feeder |
| **Target fund** | Metro Max-5 Bond Fund |
| **Minimum build-up period** | At least 2 years |
| **Target fund assets** | Invested in Peso-denominated fixed income securities with a maximum duration of 5 years. |
| **Minimum initial investment / maintaining balance** | PHP 1,000 |
| **Minimum monthly contribution** | Increments of PHP 500 |
| **Regular schedule for automatic debiting of monthly contribution** | Every 15th or 30th of the month (or the next banking day if it falls on a weekend or holiday) |
| **Early redemption charge** | None |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 1 banking day after redemption |
| **Trust fee** | None (charged at target fund level) |
| **Re-enrollment fee** | PHP 100 (if you re-enroll after 1 month of cancelling your regular subscription plan) |

**What are feeder funds?**

Feeder funds are low-, medium- and high-risk investments that make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone. 

Feeder funds often require a build-up period which is a length of time you add contributions to your investment on a regular basis. You can choose to have your monthly investment contribution automatically debited from your Metrobank account.

**The Benefits**

The Metro Aspire Bond Feeder Fund is a low to high-risk investment. A feeder fund structure mandates the fund to invest 90% of its assets in a single collective investment scheme (CIS) or target fund. This is so clients can access each funds’ target fund at a more affordable price point. This low-budget investment that starts at P1,000 lets you start investing in funds that would have cost P10,000 if you were to invest in it yourself. 

When it comes to investing in feeder funds, you know you’re in good hands with Metrobank. 

Visit your Metrobank branch to know more about the benefits of feeder funds.


[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256040-metro-aspire-bond-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Metro Aspire Bond Feeder Fund lets you invest in low, medium, and high-risk investments with an affordable initial placement and allows you to make monthly contributions through its auto-invest feature. 

Metro Aspire Bond Feeder Fund

Here’s what you need to know about this fund:

| **Fund name:** | Metro Aspire Equity Feeder Fund |
| ------------------------------------------------------------------- | --------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | PHP – Feeder |
| **Target fund** | Metro Philippine Equity Index Tracker Fund |
| **Minimum build-up period** | At least 2 years |
| **Target fund assets** | Invested in stocks that mimic the Philippine Stock Exchange Index (PSEi) composition |
| **Minimum initial investment / maintaining balance** | PHP 1,000 |
| **Minimum monthly contribution** | Increments of PHP 500 |
| **Regular schedule for automatic debiting of monthly contribution** | Every 15th or 30th of the month (or the next banking day if it falls on a weekend or holiday) |
| **Early redemption charge** | None |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | None (charged at target fund level) |
| **Re-enrollment fee** | PHP 100 (if you re-enroll after 1 month of cancelling your regular subscription plan) |

**What are feeder funds?**

Feeder funds make investing affordably easy. Because they contain units or shares of a bigger target fund, feeder funds make funds with higher minimum investment requirements and foreign funds more accessible to everyone.

Feeder funds often require a build-up period which is a length of time you add contributions to your investment on a regular basis. You can choose to have your monthly investment contribution automatically debited from your Metrobank account.

Visit your Metrobank branch to invest in this fund.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631255943-metro-aspire-equity-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Build up an investment in stocks without having to pick them yourself. Start with a small investment and make monthly contributions over a build-up period. As a feeder fund, this fund contains units of the Metro Philippine Equity Index Tracker Fund. 

Metro Aspire Equity Feeder Fund

If you are interested in investing in a feeder fund with an auto-debit feature, here's what you need to know:

| **Fund name** | Metro Aspire Balanced Feeder Fund |
| ------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Investor risk profile** | Aggressive: High potential returns for high amount of risk |
| **Investment horizon** | At least 5 years |
| **Fund classification** | PHP – Feeder |
| **Target fund** | Metro Balanced Fund |
| **Minimum build-up period** | At least 2 years |
| **Target fund assets** | Invested in a combination of 60% its market value in blue chip stocks and selected second liners listed in the Philippine Stock Exchange (PSE) and 40% of its market value in Peso-denominated fixed income securities |
| **Minimum initial investment / maintaining balance** | PHP 1,000 |
| **Minimum monthly contribution** | Increments of PHP 500 |
| **Regular schedule for automatic debiting of monthly contribution** | Every 15th or 30th of the month (or the next banking day if it falls on a weekend or holiday) |
| **Early redemption charge** | None |
| **Dealing day and cut-off** | Any banking day, up to 12:00 PM |
| **Redemption settlement date** | 3 banking days after redemption |
| **Trust fee** | None (charged at target fund level) |
| **Re-enrollment fee** | PHP 100 (if you re-enroll after 1 month of cancelling your regular subscription plan) |

**What are feeder funds?**

Feeder funds make investing affordably easy. Through these funds, target funds with higher minimum investment requirement and global funds are now accessible to everyone. 

The Metro Aspire Feeder Funds require a build-up period which is the length of time you need to make monthly contributions to your investment, which will be automatically debited from your Metrobank account.

Visit your Metrobank branch to invest in this fund.

[View Key Information and Investor Disclosure Statement (KIIDS)](https://www.datocms-assets.com/26060/1631256078-metro-aspire-balanced-feeder-fund.pdf)

&nbsp;

- - -

_Unit Investment Trust Funds (UITFs) are NEITHER deposits account NOR obligations of, NOR guaranteed, NOR insured by the METROPOLITAN BANK & TRUST COMPANY or its affiliates or subsidiaries. UITFs are not covered by the Philippine Deposit Insurance Corporation (PDIC) and do not offer a guaranteed return or yield. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITF, even if invested in government securities, is for the account of the investor/s. As such, units of participation of the investor/s when redeemed, may be worth more than or less than his/her initial investment/principal. Historical performance is purely for reference purposes and is not an assurance of future performance. The Trustee is not liable for investment losses unless such was incurred upon willful default, bad faith or gross negligence._

_Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Clients are advised to read the Declaration of Trust/Plan Rules of the Fund, which may be obtained from the Trustee, before making a decision to invest._ 

_Investors in the UITF are susceptible to different kinds of risks with varying degrees depending on the underlying securities of the UITF they choose and a clear understanding of these risks must be established before any investment is made. A detailed explanation of these risks may be found in the Key Information and Investment Disclosure Statement (KIIDS) of each UITF._

_Fees other than the Trust/Management Fee, such as External Audit and Custodianship Fees are described more thoroughly in the Key Information and Investment Disclosure Statement (KIIDS) of the Funds._

_Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP). For any inquiries and complaints relating to Trust Products and Services, you may 1) call our hotline: 88-700-700, (2) send an email to customercare@metrobank.com.ph; or 3) visit/call/email your assigned Trust Sales Officer or the Branch Manager of your servicing branch. You may also file complaints at BSP Financial Consumer Protection Department at (632) 8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (www.bsp.gov.ph)._

Slowly build your investment with a mix of stocks and bonds. This fund invests in units of the Metro Balanced Fund. 

Metro Aspire Balanced Feeder Fund

The Metro Multi-Themed Equity Fund of Funds allows you to use your Philippine Pesos to invest in global markets and relevant themes that have potential to gain above market returns over the long term.

Here’s what you need to know about this fund:


| **Fund Objective** | Aims to provide long term capital growth by investing in a diversified portfolio of USD-denominated collective investment schemes. |
|--------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------|
| **Fund Classification** | Fund of Funds |
| **Base Currency** | Philippine Pesos |
| **Fund Assets** | Invested in USD-denominated funds focused on different themes such as digital health, disruptive innovation, digital security, technology and consumer trends. |
| **Target Funds** | -Credit Suisse (LUX) Digital Health Equity Fund -Credit Suisse (LUX) Security Equity -Nikko AM Ark Disruptive Innovation Fund -Franklin Technology Fund -Robeco Global Consumer Trends F USD *The target funds may be changed from time to time, subject to regulations and stipulations contained in the fund’s Declaration of Trust (DOT)|
| **Risk Profile** | Aggressive |
| **Minimum Initial / Maintaining Balance** | Php10,000 |
| **Minimum Additional / Redemption Amount** | Php1,000 |
| **Trust Fee** | 1.50% per annum based on Net Asset Value |
| **Benchmark** | MSCI ACWI Net Total Return USD Index |
| **Investment Horizon** | At least 5 years |
| **Holding Period** | 7 calendar days |
| **Early Redemption Charge** | 50% of income earned from the redeemed amount |
| **Valuation** | Marked-to-Market |
| **Dealing Day** | Daily up to 12 NN |
| **Redemption Settlement Date** | 6 banking days after redemption |
| **NAVPU Availability** | 2 banking days after date of transaction |
| **Qualified Participants** | Participation in the Investor Fund shall be open to Filipino individuals, residents and non-resident aliens, and domestic corporate accounts. However, persons from United States of America (USA), Canada, India, and People’s Republic of China are not qualified to open an account. |


**Where is the Metro Multi-Themed Equity Fund of Funds invested?**

The fund will invest in Collective Investment Schemes that are focused in certain areas of the market that has the potential to generate above-market returns over the long term. Themes can be based on concepts such as digital health, disruptive innovation, digital security, technology and consumer trends.

**Why should you invest in the Metro Multi-Themed Equity Fund of Funds?**

The Metro Multi-Themed Equity Fund of Funds makes it more affordable and accessible for investors to diversify their Philippine Pesos to USD-denominated offshore assets. This also makes it more convenient for those who may not have the time and experience to invest, as the funds are managed by investment professionals.

**Do I need to convert my pesos to US Dollars before investing in the Metro Multi-Themed Equity Fund of Funds?**

No, the funds make it more convenient for you as there are no additional steps to convert your Philippine Pesos to US Dollars. The conversion of Philippine Pesos to US Dollars is done within the fund. Redemptions are also converted from US Dollars and are credited in Philippine Pesos.

**What is an investment horizon?**

This is the recommended amount of time you should stay invested in this fund so that you can reap its full benefit.

**What is minimum holding period?**

This is the period from the date of your investment where redemptions will be subject to an early redemption charge and will be deducted from your redemption proceeds.

**What is dealing day?**

This is when you can do transactions related to the fund. Any transactions made after the fund’s cut-off time will be processed on the next banking day.

**What is redemption settlement date?**

Withdrawing your investment, whether partial or in-full, is called redemption. The redemption date is when you order a redemption. Meanwhile, the redemption settlement date is when your redemption proceeds are credited to your settlement account.


&nbsp;

- - -

_UITF is not a deposit product and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Returns cannot be guaranteed and historical NAVPU is for illustration of NAVPU movements/fluctuations only. When redeeming, the proceeds may be worth less than the original investment and any losses will be solely for the account of the client. The value of investments may be affected by fluctuations in the exchange rates of securities in a different currency other than the base currency of the Investor Fund. The Participants should note that the Fund is denominated in Philippine Peso and will be invested in a US dollar denominated share class of the Target Fund. The foreign currency position of the Investor will not be hedged. The trustee is not liable for any loss unless upon willful default, bad faith or gross negligence. Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP)._

_For any inquiries and complaints relating to Trust Products and Services you may call our hotline at (632)88-700-700 or send an email to customercare@metrobank.com.ph._ 

_You may also file complaints at BSP Financial Consumer Protection Department at (632)8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (bsp.gov.ph)._

The Metro Multi-Themed Equity Fund of Funds lets you use your Philippine Pesos to invest in global markets and relevant themes that have potential to gain above market returns over the long term.

Metro Multi-Themed Equity Fund of Funds (PHP)

Metrobank offers Unit Investment Trust Funds (UITFs) that let you invest with the help of Metrobank’s financial experts. 

Unlike deposit accounts, UITFs do not grow your money through interest. Instead, the money you invest in them grows depending on growth in the value of the assets in the fund you select after a period of time.

Based on the strategy of a qualified fund manager, each fund invests in higher-tier financial assets such as stocks, corporate notes, government securities, or high-yielding deposits. 

You have several funds that you can choose from, each designed to help you meet a certain financial goal. Here are the kinds of Metrobank UITFs:

**Fund of Funds (PHP)**

This fund allows you to use your Philippine Pesos to access global markets and relevant themes that have potential to gain above market returns over the long term.

• [Metro Multi-Themed Equity Fund of Funds](/articles/metro-multi-themed-equity-fund-of-funds)

Learn more about [Metro Multi-Themed Equity Fund of Funds](https://www.datocms-assets.com/26060/1628861594-metro-multi-themed-fund-ebrochure.pdf)

**Aspire Funds (PHP)**
 
These are funds that help you build up the habit of investing because you can start investing for an affordable amount and auto-invest monthly for at least two years. 
• [Metro Aspire Bond Feeder Fund](/metro-aspire-bond-feeder-fund)
 
• [Metro Aspire Balanced Feeder Fund](/metro-aspire-balanced-feeder-fund)
 
• [Metro Aspire Equity Feeder Fund](/metro-aspire-equity-feeder-fund)

Learn more about [Aspire Funds](https://www.datocms-assets.com/26060/1623301935-aspire-funds-spread.pdf). 

**Fixed Income Funds (PHP and USD)**
 
These are funds that allow you to protect and grow the money you’ve been saving up for future expenses by investing in time deposits, government securities, or corporate bonds. They are good for short-term (30 days to one year) or medium-term (one to five years) goals. 
• [Metro Money Market Fund](/metro-money-market-fund)
 
• [Metro Short Term Fund](/metro-short-term-fund)
 
• [Metro Max-3 Bond Fund](/metro-max-3-bond-fund)
 
• [Metro Max-5 Bond Fund](/metro-max-5-bond-fund)
 
• [Metro Corporate Bond Fund](/metro-corporate-bond-fund)
 
• [Metro Unit Paying Fund](/metro-unit-paying-fund)
 
• [Metro$ Money Market Fund](/metro-dollar-money-market-fund)
 
• [Metro$ Short Term Fund](/metro-dollar-short-term-fund)
 
• [Metro$ Max-5 Bond Fund](/metro-dollar-max-5-bond-fund)
 
• [Metro$ Asian Investment Grade Bond Fund](/metro-dollar-asian-investment-trade-bond-fund)

Learn more about [Fixed Income Funds](https://www.datocms-assets.com/26060/1623301919-fixed-income-funds-spread.pdf).

**Balanced and Equity Funds (PHP and USD)**
 
These are funds that let you pursue a wealthy future through capital appreciation by investing in either a mix of bonds and stocks or in stocks only. They are good for long-term (five or more years) goals. 
• [Metro Balanced Fund](/metro-balanced-fund)
 
• [Metro Equity Fund](/metro-equity-fund)
 
• [Metro Philippine Equity Index Tracker Fund](/metro-philippine-equity-index-tracker-fund)
 
• [Metro High Dividend Yield Fund](/metro-high-dividend-yield-fund)

Learn more about [Balanced and Equity Funds](https://www.datocms-assets.com/26060/1623301907-balanced-equity-spread.pdf).

**Feeder Funds (USD)**
 
These are funds that let you invest your US dollars in the international markets through units of global funds. 
• [Metro$ World Equity Feeder Fund](/metro-dollar-world-equity-feeder-fund)
 
• [Metro$ US Equity Feeder Fund](/metro-dollar-us-equity-feeder-fund)
 
• [Metro$ Eurozone Equity Feeder Fund](/metro-dollar-eurozone-equity-feeder-fund)
 
• [Metro$ Japan Equity Feeder Fund](/metro-dollar-japan-equity-feeder-fund)
 
• [Metro$ US Investment Grade Corporate Bond Feeder Fund](/metro-dollar-us-investment-grade-corporate-bond-feeder-fund)

Learn more about [Feeder Funds](https://www.datocms-assets.com/26060/1623301889-us-dollar-feeder-spread.pdf).

**PERA Funds (PHP)**
 
These are funds that let you set aside and invest money for a comfortable retirement by investing in assets which are tax-exempt in accordance with the PERA Law. 
• [Metrobank PERA Money Market Fund](/pera-money-market-fund)
 
• [Metrobank PERA Bond Fund](/pera-bond-fund)
 
• [Metrobank PERA Equity Fund](/pera-equity-fund)


---

UITF is not a deposit product and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Returns cannot be guaranteed and historical NAVPU is for illustration of NAVPU movements/fluctuations only. When redeeming, the proceeds may be worth less than the original investment and any losses will be solely for the account of the client. The trustee is not liable for any loss unless upon willful default, bad faith or gross negligence.

Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP).

For any inquiries and complaints relating to Trust Products and Services you may call our hotline at (632)88-700-700 or send an email to customercare@metrobank.com.ph. You may also file complaints at BSP Financial Consumer Protection Department at (632)8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (bsp.gov.ph).

Browse through the different kinds of Metrobank UITFs and learn one which best suit you.

Metrobank Unit Investment Trust Funds

Check the performance and other important details of your Unit Investment Trust Fund (UITF) by viewing its corresponding Key Information and Investment Disclosure Statement (KIIDS).


**Aspire Funds (PHP)**

* [Metro Aspire Bond Feeder Fund](https://www.datocms-assets.com/26060/1631256040-metro-aspire-bond-feeder-fund.pdf)
* [Metro Aspire Balanced Feeder Fund](https://www.datocms-assets.com/26060/1631256078-metro-aspire-balanced-feeder-fund.pdf)
* [Metro Aspire Equity Feeder Fund](https://www.datocms-assets.com/26060/1631255943-metro-aspire-equity-feeder-fund.pdf)



**Fixed Income Funds (PHP and USD)**

* [Metro Money Market Fund](https://www.datocms-assets.com/26060/1631257983-metro-money-market-fund.pdf)
* [Metro Short Term Fund](https://www.datocms-assets.com/26060/1631258099-metro-short-term-fund.pdf)
* [Metro Max-3 Bond Fund](https://www.datocms-assets.com/26060/1631256547-metro-max-3-bond-fund.pdf)
* [Metro Max-5 Bond Fund](https://www.datocms-assets.com/26060/1631256518-metro-max-5-bond-fund.pdf)
* [Metro Corporate Bond Fund](https://www.datocms-assets.com/26060/1631256408-metro-corporate-bond-fund.pdf)
* [Metro Unit Paying Fund](https://www.datocms-assets.com/26060/1631258614-metro-unit-paying-fund.pdf)
* [Metro$ Money Market Fund](https://www.datocms-assets.com/26060/1631258504-metro-dollar-money-market-fund.pdf)
* [Metro$ Short Term Fund](https://www.datocms-assets.com/26060/1631258560-metro-dollar-short-term-fund.pdf)
* [Metro$ Max-5 Bond Fund](https://www.datocms-assets.com/26060/1631258422-metro-dollar-max-5-bond-fund.pdf)
* [Metro$ Max-3 Bond Fund](https://www.datocms-assets.com/26060/1631258455-metro-dollar-max-3-bond-fund.pdf)
* [Metro$ Asian Investment Grade Bond Fund ](https://www.datocms-assets.com/26060/1631258155-metro-asian-investment-grade-bond-fund.pdf)


**Balanced and Equity Funds (PHP and USD)**

* [Metro Balanced Fund](https://www.datocms-assets.com/26060/1631259955-metro-balanced-fund.pdf)
* [Metro Equity Fund](https://www.datocms-assets.com/26060/1631259993-metro-equity-fund.pdf)
* [Metro Philippine Equity Index Tracker Fund](https://www.datocms-assets.com/26060/1631258044-metro-philippine-equity-index-tracker-fund.pdf)
* [Metro High Dividend Yield Fund](https://www.datocms-assets.com/26060/1631256473-metro-high-dividend-yield-fund.pdf)


**Feeder Funds (USD)**

* [Metro$ World Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770976-metro-dollar-world-equity-feeder-fund.pdf)
* [Metro$ US Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770831-metro-dollar-us-equity-feeder-fund.pdf)
* [Metro$ Eurozone Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770751-metro-dollar-eurozone-equity-feeder-fund.pdf)
* [Metro$ Japan Equity Feeder Fund](https://www.datocms-assets.com/26060/1629770789-metro-dollar-japan-equity-feeder-fund.pdf)
* [Metro$ US Investment Grade Corp Bond Feeder Fund](https://www.datocms-assets.com/26060/1629770901-metro-dollar-us-investment-grade-corporate-bond-feeder-fund.pdf)


**PERA Funds (PHP)**

* [Metrobank PERA Money Market Fund](https://www.datocms-assets.com/26060/1631256249-metrobank-pera-money-market-fund.pdf)
* [Metrobank PERA Bond Fund](https://www.datocms-assets.com/26060/1631256339-metrobank-pera-bond-fund.pdf)
* [Metrobank PERA Equity Fund](https://www.datocms-assets.com/26060/1631256272-metrobank-pera-equity-fund.pdf)

Check the performance and other important details of your unit investment trust fund (UITF) by viewing its corresponding Key Information and Investment Disclosure Statement (KIIDS).

UITF Fact Sheets

## The business of trust

As Metrobank marks its 59th anniversary, the Bank expresses its eagerness to continue making meaningful strides towards the economic recovery of the Philippines.

According to Metrobank President Fabian S. Dee, this milestone is attributed to the Bank’s “institutional wisdom,” gained from past experiences in dealing with crises: “We’ve been through good times and bad times with our Metrobankers, investors, and our customers. And in those times, we learned a great many lessons. We endured and we learned how we can move forward.”

While the past year has been challenging for all financial institutions, the Bank believes that its robust capital position and balance sheet strength will provide ample support as it navigates through these uncertain times. Capital ratios are among the highest in the industry, with capital adequacy ratio at 20.4% and liquidity coverage ratio at 262%. Consolidated assets stood at PhP2.5 trillion at the end of June 2021, making Metrobank the country's second largest private universal bank.

“We have learned that when you are geared for the downside and are able to recover quickly from this, you too will be most ready for growth when the economy starts growing again. Thus, we are entering our prime age of 59 ready to support our country’s path back to growth in 2022 with the strongest capital base, highest liquidity and best asset quality we have had even before pre-pandemic times. We are well prepared to support the growth of our customers, our economy in the next decades to come, and make each contribution more meaningful to the generations that follow,” President Dee concluded.

## A celebration of partnerships

Simple yet meaningful—this characterized how Metrobank commemorated its 59th anniversary milestone. Notwithstanding the distance and challenges of the ongoing pandemic, the Bank was able to bring people together virtually to share in these special moments.

As part of tradition, Metrobankers welcomed the anniversary month gathered in prayer and gratitude in a virtual Thanksgiving Mass. This was followed by the annual Service Awards, a ceremony that recognizes outstanding Metrobankers for their good performance and years of service.

“The wellspring of wisdom, grit and malasakit, which is the foundation of Metrobank’s strength, is its people. You my dear service awardees and all of us Metrobankers are the foundation of our Bank’s strength,” affirms President Dee in a speech during the virtual awarding ceremony.

## Passion for nation-building

Metrobank also flourishes in a culture founded on *malasakit*. Through its philanthropic arm, the Metrobank Foundation (MBFI), the Bank is able to fulfill its role of being an active participant in the pursuit of nation-building. Since the beginning of the pandemic, more than PhP346 million pesos have been released towards various pandemic aid programs.

In addition, MBFI recently awarded PhP1 million pesos each to ten Metrobank Foundation Outstanding Filipinos who exemplify excellence and service in the academe, military and police sectors. This reward can further aid the awardees as they continue to pursue their respective causes for the common good.

Guided by the principle “Beyond Excellence”, the prestigious awards program hopes to inspire more Filipinos to go above and beyond the call of duty to serve the nation. “As a community held together by hope and resilience especially during these turbulent times, may we derive inspiration from the awardees’ example,” says Metrobank Foundation President Aniceto Sobrepeña.

This recognition of exemplary public servants has been part of MBFI’s thrust for excellence since 1985. To date, a total of 685 Outstanding Filipinos has been honored by the program.

The Metrobank Group, through MBFI and GTFI, continues to support socio-civic and non-government organizations with the George S.K. Ty Grants Turnover. As part of Metrobank’s 59th anniversary, PhP15 million worth of grants was extended to 12 partner organizations whose programs are aligned with the thrusts of the Foundation in health, education, livelihood and sustainable feeding.

For their part, Metrobank employees nationwide shared their heart for community through the #MeaningfulAnniversaryChallenge, which will run on its second year. In 2020, over 14,000 Metrobankers chose to share their anniversary meal allowance to benefit the communities hit by the pandemic. With the combined donations from the employees and the Bank, PhP4.5 million was raised, which provided 90,000 meals for the beneficiaries of the Kindness Kitchens of Ronald McDonald House Charities.

_We are not here solely for business. The Bank is here to do good, to help other people, and to help the country. It is our responsibility to give back to society and to contribute to nation-building. — Dr. George S.K. Ty_

For Metrobank, the words and vision of its late Founder and Group Chairman, Dr. George S.K. Ty, still ring true until this day as the Bank enters the dawn of a new decade.

It is through our years of experience and perseverance that we are able to support the country’s path back to growth. As Metrobank enters the prime age of 59, we are strong as ever.

Metrobank at 59: Strong as ever for the business, the customers, and the nation


After its recent announcement of a “Fortress Balance Sheet”, which enabled it to be one of the most resilient financial institutions amid the global pandemic, Metropolitan Bank &Trust Co. (Metrobank) continues its advocacy to help reinvigorate the economy through financial grants to select government agencies and non-profit organizations.

Through the Metrobank Foundation, Inc. (MBFI) and the GT Foundation, Inc. (GTFI), Metrobank will distribute grants worth PhP 15 million among twelve cause-oriented groups.

The bank is committed to continue the legacy of its Founder in making a difference in the lives of those belonging to communities in need. “Our annual ceremony is renamed the ‘George S.K. Ty Grants Turnover’ to honor and perpetuate the legacy of our founding chairman. This grants turnover is one venue where we continue to carry on his values through programs and projects of our social development partners,” said MBFI President and GTFI Executive Director Aniceto M. Sobrepeña in his opening address. Also present in the virtual proceedings were Metrobank President Fabian S. Dee and Metrobank Chairman Arthur V. Ty.

![](https://www.datocms-assets.com/26060/1630588947-gskty-turnover.png)


![](https://www.datocms-assets.com/26060/1630588981-grants-photo.jpg)


The Department of Education (DepEd) is one of the recipients this year, and the donation will support the DepEd’s “new normal” projects that harness technology and mass communication that will help students, parents, teachers, and schools nationwide.

For the non-government organizations, the GTFI gave grants to Cebu’s Communities For Alternative Food Ecosystems Initiative (CAFEi). CAFEi supports farmers in Cebu, providing them with financial assistance and training to create sustainable food systems and to live healthy lives.

“As we commemorate our 59th anniversary, we are focused not only on increasing the profitability of our business but also on fulfilling our corporate social responsibility,” Dee said. “While we celebrate our anniversary in thanksgiving as we remain strong amidst the challenges of COVID-19, we remain cognizant of the plight of our kababayans. Thus, we hope that the PhP 15 million meaningful aid can help more people in need,” Dee shared.

Other organizations that received grants were the Manila Water Foundation, International Institute of Rural Reconstruction, Communication Foundation for Asia, International Bazaar Foundation, DFA Ladies Foundation, Lokal Lab, Care Philippines, Yellow Boat of Hope, Advancement for Rural Kids (ARK), and the Toyota Motor Philippines School of Technology (TMPTech).

As part of the bank's 59th anniversary, the George S.K. Ty Grants Turnover continues to partner with like-minded organizations to promote health, education, livelihood and sustainable feeding.

Metrobank @ 59 supports economic recovery with PhP15M grants to various organizations

![Virtual turnover ceremony](https://www.datocms-assets.com/26060/1623288848-meaningfulanniversarychallenge-donation-turnover-to-mcdo.png "Virtual turnover ceremony led by Metrobank Executives")

In celebration of Metrobank’s 58th anniversary, Metrobankers nationwide decided to skip their traditional anniversary meal allowance and instead donate it for a greater cause. Over 14,000 Metrobankers gathered as one community to raise the donation amount of PhP 2,358,158.58 for the benefit of communities identified to have been hardest hit by the pandemic. 

Born out of malasakit and a meaningful “anniversary challenge”, Metrobank and the Metrobank Foundation boosted this employee initiated donation with an additional PhP 1,000,000.00, which form part of the PhP2,000,000.00 grant that the Metrobank Foundation pledged in the Anniversary Grants Turnover Ceremony. This employee donation drive will be able to feed more than 67,000 individuals through the Kindness Kitchens of the Ronald McDonald House Charities (RMHC).

The total donation amounting to PhP 3,358,158.58 was formally turned over to McDonald’s Philippines Managing Director and RMHC Vice President Margot Torres and RMHC Executive Director Marie Angeles. The virtual turnover ceremony was led by Metrobank Executives namely, Metrobank Foundation President Aniceto Sobrepeña, Human Resources & Management Group Heads Vivian Tiu and Gerboy Ortega, Chief Marketing Officer Digs Dimagiba, and Operations Group Head Bob Murga. Representatives from the bank’s Corporate Affairs, HR, and the Metrobank Foundation witnessed the turnover.


In celebration of Metrobank’s 58th anniversary, Metrobankers nationwide decided to skip their traditional anniversary meal allowance and instead donate it for a greater cause.

The Good Hands that Give Back

Get a PHP 300 SM gift certificate if you spend at least PHP 3,000 using your Metrobank Mastercard Debit or Prepaid Card from September 5 to 11. Read about the details of this promo.


**I. Promo Period and Promo Offer**

a. The Metrobank 59th Anniversary Promo shall run from September 5 to 11, 2021 (“Promo Period”).

b. The promo is open to account holders of the Metrobank Prime Debit Mastercard or Prepaid card whose email addresses are working and registered* with Metrobank as of July 31, 2021.

&nbsp; &nbsp; &nbsp; *Account holder must ensure that the email address registered with the bank is updated and active. If no email is received, please update your contact information to receive future communications and promotions from Metrobank. To learn more about how to update your contact information, [go here](https://metrobank.com.ph/articles/update-your-info).

c. To qualify, the Metrobank Prime Debit Mastercard or Prepaid card account holders should:

 &nbsp; &nbsp; &nbsp; i. Receive an email about the Anniversary promo from Metrobank;

 &nbsp; &nbsp; &nbsp; ii. Click the “Join Now” button in the received email and;
 
 &nbsp; &nbsp; &nbsp; iii. Transact online or in-store for a minimum of Php3,000 using the Metrobank Prime Debit Mastercard or Prepaid card from September 5 to 11, 2021 (“promo period”)

d. Qualified customers will be entitled to one (1) Php300 SM gift certificate.

e. Customers with valid transactions will receive a confirmation email from Metrobank with the voucher code and details on how to claim the SM Gift Certificate from September 20-24, 2021.

**II. Redemption Mechanics**

a. To claim the gift certificate, qualified Metrobank accountholders must present the confirmation email from Metrobank with the voucher code at the Bills Payment counter of any SM Department Store nationwide from September 25 to October 31, 2021 (“Redemption Period”).

**III. Terms and Conditions**

a. Only account holders who have received an email about the Metrobank Anniversary promo and clicked the “Join Now” button in the received email will qualify in the promo.

b. The Offer is valid for online or in-store transactions.

c. Metrobank Online and Metrobank Mobile Banking transactions are excluded from the promo.

d. The online or in-store transaction must be a single-receipt purchase of at least PHP 3,000.

e. Only one (1) redemption per qualified account holder is allowed during the promo period.

f. Redemptions without the email confirmation and voucher code from Metrobank will not be honored.

g. All unredeemed gift certificates from the promo shall be forfeited after the Redemption Period.

h. The Offer is non-transferable and non-convertible to cash or any other product.

i. The Offer cannot be used in conjunction with other discounts, promotions, discounted items, and fixed price items (unless specified).

j. Metrobank is regulated by the Bangko Sentral ng Pilipinas with telephone number: 8708-7087 and email address at consumeraffairs@bsp.gov.ph.


**IV. Customer Support**

a. For any questions or clarifications on the promo or concerns with regards to Metrobank’s products (Metrobank Prime Debit Card and Metrobank Debit Card) customers may contact Metrobank Contact Center at (02) 88-700-700 or send an email to customercare@metrobank.com.ph.


Per DTI Fair Trade Permit No. FTEB-126346, Series of 2021

Get a PHP 300 SM gift certificate if you spend at least PHP 3,000 using your Metrobank Mastercard Debit or Prepaid Card from September 5 to 11. Read about the details of this promo.

Celebrate the 59th Anniversary with a gift from us

These days, owning a car is key to comfortable and worry-free mobility. Go anywhere, whenever you want in the safety of your own vehicle through our Amazing Car Loan deal. For details, click this [link](/articles/car-loan-promo).

Meanwhile, now that you're always indoors for remote work or play, your family deserves a safer and spacious home that is truly yours. Let Metrobank help you with an Amazing Home Loan at a low interest rate and more. For more details, click this [link](/articles/home-loan-promo).

With Metrobank’s Amazing Home and Car Loan deals, you can enjoy:

* **Competitive rates** – You don’t have to pay more than you need for a new car or a home. With low interest rates, waived fees, and manageable payments, this deal lets you maintain your family's lifestyle.

* **Flexible loan terms** – Spread out your payments to reduce monthly payments, so you can plan household finances and make space for essential needs.

* **A Metrobank Credit Card** – Pre-qualify for a credit card that lets you score the best deals for your car or home!

Give your loved ones a safer ride and wonderful memories.

Apply for a Metrobank Home and Car Loan from September 1 to October 31. Visit your nearest branch or customers may contact Metrobank Contact Center at (02) 88-700-700, or send an email to customercare@metrobank.com.ph

- - -

Amazing Car Loan Per DTI Fair Trade Permit No. FTEB-126165, Series of 2021 

Amazing Home Loan Per DTI Fair Trade Permit No. FTEB-126159, Series of 2021

Score competitive rates plus more when you apply for a Metrobank Home or Car Loan. Check out the promo mechanics below.

Amazing Home and Car Loan deals

Many Filipinos aspire for financial stability -- whether it is building a retirement fund and retiring at an early age or living a comfortable life for yourself and your family.

There are plenty of ways to achieve these goals. This article will break down the five basic steps towards financial maturity and freedom and how you can achieve your goals. 

### Track your money

To attain financial stability, you first need to set concrete goals. An example is saving PHP 5,000,000.00 by the time you reach 40 years old. Having a financial goal allows you to work towards a definite destination while also giving you a sense of accountability. Remember to set both long-term and short-term goals. For instance, saving PHP 5,000,000 by 40 years old can be your long-term goal and then you can add the steps to reaching that as your short-term goals like saving PHP 10,000 a month.

Once you’ve set your financial goals, a good way to move forward is to know where your money goes. This doesn’t necessarily mean budgeting (though it will greatly help in saving up for your future), but more on keeping tabs on how much money you’re spending on food, transportations, and other needs and wants.

Tracking your money is necessary because it can raise flags in your spending that might be causing you to live paycheck-to-paycheck and unable to take that first step towards financial maturity.

For example, you might find that a significant chunk of your income goes to dining out in expensive restaurants. When you’re tracking your money, you can see this in your expenses and conclude that you should spend less on dining out if you want to save more.

### Get out of debt

Before you can start building your financial independence, it’s important to start in a neutral base, not one that is racked with debt.

Think of debt and financial independence as building a house on quicksand: no matter how well you set the foundation for your building, the soft ground will always set you back. You don’t progress because your ground will always hold you back.

Before you can achieve financial independence, settle any personal debts you may have. Pay off any outstanding debt you have with banks and lenders. Once your debts are settled, or at the very least lowered to a minimum you can manage, you can move on to the next step towards financial maturity.

### Create your emergency fund

Before you can turn to investments to grow your money, it’s important to have an emergency fund. All types of investments have varying degrees of risk, so it’s best to have the safety net of an emergency fund to soften the blow of an investment or income loss.

According to financial experts, your emergency fund should be three to six months’ worth of your current salary. A savings account is the ideal place to keep your emergency fund because of its safety of principal feature.  Once you’ve reached your emergency fund goal, do not touch the bank account unless absolutely necessary.


### Begin investing

You can start investing in passive investments like Unit Investment Trust Funds (UITFs). With a UITF, you can start investing to reach your financial goals or start building for your retirement for as low as PHP 1,000. UITFs can also help you achieve your long-term financial goals.

Metrobank has multiple UITF options for you to choose from, managed by investment professionals who can look after it to ensure you get the most from your investment.

### Make saving and investing a habit

Continue to build your savings and investment until you’ve reached your financial goals. Make sure you research about various investment methods and your risk tolerance so that you’re aware of all your possible investment options.

You aren’t limited to investing in one instrument. Diversify your portfolio by putting some money in a savings account to grow interest slowly but surely. You can also place some money in a time deposit account if you’re looking for a low-risk investment. Or, if you’re opting for something riskier with higher rewards, invest in the stock market and watch the market rise and fall depending on various industry factors.

Once you’ve gotten the hang of investing and saving, you’ll soon find your money growing on its own. This is good as you can continue to invest or save the dividends you earn while still playing safe with an emergency fund ready.

Don’t forget to keep track of how much you’ve made through your investments and compare it with what’s on your financial goals. It’s good to keep monitoring how far or close you are to reaching your goals so you can adjust your investments accordingly.

At this point, you’ve finally achieved financial freedom as you’ve managed to upgrade your financial maturity and income sources! Saving and investing gives you an opportunity to further grow your hard-earned money and financially prepare you for the future.

Start your saving and investing journey with Metrobank. We offer a diverse choice of [savings accounts](https://metrobank.com.ph/save/savings) and investment products to help you fulfill your goals. If you’re not sure where to start, we’ve got you covered. We'll be with you every step of the way. Download the earnest app or head to the nearest Metrobank branch to help you find the right investment for you.

Many Filipinos aspire to earn their wealth or retire at an early age. But for one to do so, they need to upgrade their financial freedom and become financially independent. Here are the five steps to do so.

Five steps to upgrading your financial freedom

We cannot stress enough the importance of financial education to avoid becoming a victim of scams.

Being financially smart means that you know how to avoid falling into one of the many phishing scams that are now becoming widespread. As noted from “Cybercrime in the Time of Corona: PH Cybercrime Trends during the Covid-19 Pandemic” hosted by the Department of Justice - Office of Cybercrime, phishing cases reported to the agency has increased by more than 200% as cybercriminals are taking advantage of the changing spending habits of Filipinos due to lockdowns.

There are plenty of types of phishing scams. Here are some of the most common *modus operandi* and tips to avoid becoming a victim.

### Digital security literacy against phishing

One of the most common ways cybercriminals attempt to phish information from Filipinos is by playing on the emotion and lack of digital security literacy to identify a phishing scam.

A cybercriminal might send you an email that looks like a legitimate email from your bank requiring you to provide personal information, passwords, and other confidential data that they can use to access your bank account.

As online banking is becoming more common, digital security literacy is becoming a must for every Filipino interested in doing online banking. Recognizing a legitimate app or website, discerning fake calls, and knowing the processes for remote banking can save you from divulging sensitive information.

*Tips to Avoid Phishing:*

* Never give out private information like your birthday, mother’s maiden name, debit and credit card number, OTP, and more. Your bank will never ask for such details.
* Look closely at the email you received. Is the sender a legitimate bank email? Does the email address you by your name and not a generic “Dear Customer” or “Dear User”? What is the tone of the message? Does it compel or pressure you to do something immediately? And does the URL link to your bank’s legitimate website?
* If you’re unsure about an email, text, or call, call your bank’s official number to verify if it was sent from them.

### Small business phishing scams

Phishing isn’t just limited to private Filipino citizens as small to medium businesses are also being targeted by cybercriminals. If left unprotected, this could affect your business, employees, and customers.

*Tips to Avoid Phishing:*

* Train employees on digital security literacy. Many cases of small business phishing are due to employees creating a vulnerable point in the business for cybercriminals to take advantage of.
* Invest in the latest antivirus software and keep your software updated for any security patches.
* Invest in web filter software to prevent your employees from accessing malicious websites that seek to harvest sensitive data about your company.

### Malware

Malware refers to any software that can do plenty of damage to your computer. Aside from phishing data, it can also include spying on your activity, destroying your files, or even seizing your data and holding it for ransom until you pay to get your files back.

Understanding how to avoid malware from getting into your computers and gadgets can prevent it from accessing your sensitive and personal information which, in turn, could lead to account takeover and identity theft.

*Tips to Avoid Phishing:*

* Avoid malicious websites.
* Do not open suspicious-looking emails. Do not download suspicious attachments, especially those with “.exe” at the end of the file name.
* Avoid accessing your online bank account through public Wi-Fi hotspots. As much as possible, access it using your home Wi-Fi or any private Wi-Fi source you can trust. 
* Invest in anti-malware software with browser checking protection and capabilities as this can verify safe content and automatically block risky websites.

### More Tips to Avoid Phishing

* **Enable two-factor authentication**. Even if a cybercriminal gains access to your banking account passwords, two-factor authentication ensures that they will not get in unless they have access to another form of authentication that only you can provide. For example, most online transactions require OTP or One-Time Password as a form of step-up verification. This verification, usually a 4 to 6-digit code, can only be provided by the user through the registered mobile number or email address, hence adding another layer of security.

* **Create strong passwords.** Use passwords that are difficult to crack. Use a mix of letters, numbers, and symbols to create a strong password -- even better if you can make it longer than 10 characters. Make sure there aren't any ties to your personal information. Avoid using the same password for all your online accounts.

* **When in doubt, contact your bank.** When you receive an email, text, or call that seems suspicious, contact your bank’s official channels via phone, website, or social media. This can help you verify if you received a legitimate form of communication from your bank.

Now more than ever, Filipinos need to be alert for any phishing scam that seeks to take sensitive information from them. These are just some of the ways financial and digital security literacy education can help you avoid falling victim to the most common types of phishing scams.

Since mid-2020, cases of phishing scams have doubled in the Philippines. Here’s why financial education is important to help prevent falling into a phishing trap.

Financial Education 101: Avoiding phishing scams

Knowing your assets and liabilities is key to knowing your financial standing. It will help measure your financial stability and it is a good way to gauge whether you’re in a position to make better financial decisions in your life.

Getting a clear picture of your total assets and liabilities allows you to know your [financial net worth](https://metrobank.com.ph/articles/learn/net-worth-what-is-it-why-is-it-important), which is a figure determined after deducting all liabilities from all of your assets.

You can improve your financial position by decreasing your liabilities, increasing your assets, or both.

Knowing your assets and liabilities is important for two reasons:

* It is required when you file your yearly income tax.
* You need it when you’re applying for jobs where financial transparency is a prerequisite, like the Philippine Civil Service or the banking and financial services industry.

Knowing your net worth can also improve your financial standing, allowing you to set purpose-based or time-based financial goals.

So, understanding your assets and abilities and practicing sound financial habits will help you become financially wise. This will empower you to manage your expenses well to avoid financial distress, prepare for future needs, or allow you to invest in a basic portfolio of financial products.

### What are assets?

Let’s start with the basics. Assets are classified as anything of value or a resource of value that you own that can be convertible to cash. Individuals, companies, and even the government can own assets.

Personal assets are things of current or future value which are owned by an individual or a single household. Some examples of personal assets are:

* Cash, certificates of deposit, savings accounts, Treasury bills
* Property or land as well as any physical structure that is built on it
* Personal property like jewelry, cars, and other vehicles you own
* Investments like bonds, the cash value of life insurance policies, mutual funds, stocks

There are several types of assets you can have.

*Based on convertibility*

* Current assets. Current assets, as the name suggests, are assets that can readily be converted into cash and cash equivalents (typically within a year). Current assets are sometimes also called liquid assets. Examples of these include cash, accounts receivables, and inventory.

* Fixed or Non-Current Assets. Non-current assets, on the other hand, cannot readily be converted into cash and cash equivalents. These can also be called fixed assets, long-term assets, or hard assets. Some forms of non-current assets are land, machinery, and trademarks.

*Based on physical existence*

* Tangible assets. When judging assets based on their physical existence, we can classify them as tangible assets if we can touch, feel, see, or hold them. Lots, houses, and cars are just some kinds of tangible assets.

* Intangible assets. Unlike tangible assets, intangible assets do not have physical characteristics. These include goodwill, patent, and copyright.

*Based on usage*

* Operating assets. Operating assets refers to assets which are needed in order to operate a business. These are used to generate revenue like inventory, a warehouse, and patents.

* Non-operating assets. Non-operating assets, also called redundant assets, are assets that are not directly required in the business operations but still provide the business with revenue such as underutilized cash, marketable securities, and loans receivable.


### What are liabilities?

Liabilities, on the other hand, refers to something a person or corporation owes (such as money) to another person or corporation.

Examples of liabilities include:

* A home mortgage loan
* Any other type of contracted loan, whether it’s for your car, your business, or a significant expense, such as school tuition
* Credit card bills
* Utility costs, whether commercial or residential
* Wages and allowances
* Yearly income, real estate, and business tax payments.

### How are assets and liabilities connected?

Often when you acquire an asset, you also create liabilities.

For instance, you purchase a Toyota Vios worth P1 million. This gives you an asset worth PHP 1 million. But in order to purchase it, you need to take out an auto loan from your bank also worth PHP 1 million, giving you a liability which costs the same amount.

If your asset and your liability equate to zero, then what’s the point of acquiring assets? Because assets show you your owner’s equity, which is your net worth.

So Owner’s Equity (or net worth) = Assets - Liabilities.

### Managing your liabilities

Having liabilities is an inevitable part of acquiring assets. Learning how to manage your liabilities plays a crucial role in how you plan your asset or wealth building. If you’re not careful, your liabilities can outweigh your assets, causing you to fall into debt.

In order to manage your liabilities, you should:

1. Establish your payment sources.
2. Pay your liabilities (such as rent, credit card bills, and loans) on time.
3. Create a monthly bill payment calendar for when to pay your liabilities.
4. Set a timeline on when to complete payment for your liabilities.
5. Periodically check your progress to ensure you are following your timeline through.

### A complete financial picture

Calculating the value of your assets and liabilities is a calculation that represents all your assets at a specific point in time. What you are worth one year will differ compared to the years that follow. Think of it as your yearly health check. You need to do it regularly to examine if your systems (assets and liabilities) are in order. While knowing your net worth may not change it, it can give you a better idea of things that you can and should change in order to reach your financial goals.

If you would like to learn more about assets and liabilities, head over to this [article we wrote on limiting your liabilities](https://metrobank.com.ph/articles/learn/how-to-avoid-debt).

Here’s a quick lesson on assets and liabilities, and knowing how to use this information to make informed financial decisions.

Assets and Liabilities 101

Here are the roster of our Authorized Sales Personnel who are licensed Fixed Income Market Salesmen of the Securities and Exchange Commission.

![SEC licensed Senior Officers](https://www.datocms-assets.com/26060/1627438594-sec-licensed-brokers-and-dealers-senior-officers.png)

![SEC licensed Associated Persons](https://www.datocms-assets.com/26060/1627438519-sec-licensed-brokers-and-dealers-asso-persons.png)

![Head Office SEC Licensed brokers and dealers](https://www.datocms-assets.com/26060/1630399244-sec-licensed-brokers-and-dealers-page-08312021head-office.png)

![Metro Manila SEC Licensed brokers and dealers](https://www.datocms-assets.com/26060/1630397572-sec-licensed-brokers-and-dealers-metro-manila.png)

![Luzon SEC licensed brokers and dealers](https://www.datocms-assets.com/26060/1627438475-sec-licensed-brokers-and-dealers-luzon.png)

![Visayas and Mindanao SEC licensed brokers and dealers](https://www.datocms-assets.com/26060/1627438543-sec-licensed-sec-licensed-brokers-and-dealers-visayas-and-mindanao.png)


This page lists the roster of our Authorized Sales Personnel who are licensed Fixed Income Market Salesmen of the Securities and Exchange Commission (SEC).

SEC Registered Brokers and Dealers

A house or condo is one of the biggest investments you will ever make for yourself or your household. As you grow older, the need to set down roots and live in your own house can lead you to consider saving or taking up housing loans to find a place to settle down.

There is no definite timeline or schedule to knowing when you should be ready to purchase a home. Rather than judging it based on somebody else’s calendar, a better gauge would be looking internally at what you have. Take a look and examine if you’re financially stable  enough to purchase a home. A good guide to understanding this is by using the 30/3 guide towards home ownership.

### What is the 30/3 guide?

The [30/3 Guide](https://www.businessinsider.com/use-30303-rule-determine-what-house-you-can-afford-2020-9) is a way to determine if you or your household has the purchasing power to afford a house of a certain range.

There are two rules: first is that you should only spend a maximum of 30% of your gross income on a monthly mortgage payment. Second, the value of your home should not cost more than three times your household’s annual gross income.

So, let’s say you make P600,000 annually, and you live with two other people who also make the same amount–a total of P1.8 million in total household income. This means your maximum mortgage should be limited to P540,000 per year or P45,000 per month. This also means that your household should only buy a house valued no more than P5.4 million.

### Determining your purchasing power

Knowing these limits, take a look at online real estate listings for properties in your preferred area and within your given house value.

If you find properties that meet your budget, your household already has the purchasing power to afford a house without sacrificing the ability to purchase basic needs.

If you can’t find properties within your budget, this either means you have to look at a different location with a lower real estate value average, or your household just doesn’t have the purchasing power to afford a home in the current real estate market.

### Getting a bank loan

Once you’ve computed your purchasing power, it may be time to consider getting a home loan, as many Filipinos find it impossible to save up for a home without opting for a loan. There are various home loan packages in the market, so it’s important to consider your own finances and your 30/3 results to see how much mortgage you can pay back.

### Advantages and disadvantages of following the 30/3 guide

**Pros:**

* **You buy what you can afford.** Many homeowners struggle to pay their mortgage and other living expenses because they simply cannot afford the home they bought. If you find yourself unable to save or having to use your savings to make ends meet, it’s a sign that you’ve purchased a house that your household’s income cannot afford.

* **You’re setting your expectations.** When you estimate your budget for a house with your own income or your pooled household income, you already get an idea of what properties you can afford. Many real estate companies entice buyers with low down payments only for people to struggle with the mortgage payments.

* **You know what loans to shop for.** Now that you have a guide on how much you should be spending on mortgage payments, it should be easier to shop for home loans and determine whether or not you can afford to pay for it.

**Cons**

* **This can limit your options.** If you’re strictly following this rule, you could be moved to look away from certain real estate locations. This could lead you to miss opportunities where property owners sell their properties below the average price.

* **It is not planned for contingencies.** This guide doesn’t take into consideration contingencies that may affect your financial position. It’s important that, on top of your mortgage payments and living expenses, you still have savings that cushion your household in case of an emergency.

As a final note, just remember that this guide isn’t meant to be a hard rule for buying your first home. Think of it as a strategy to help you maintain your financial stability when it’s time for you to pay your mortgage.

Meaningful memories begin at home. If you're planning to buy a house, renovate, or construct your dream home, Metrobank can help you upgrade your quality of life.

Build the home you deserve with a home loan from Metrobank. Get an idea on how your monthly payments will look like with our Home Loan Calculator: https://metrobank.com.ph/upgrade/home-loan.

Want to know if you can afford a house or condo yet? Try the 30-3 guide to see if you or your household is ready for this major investment.

Home Ownership: The 30/3 guide and how to follow it

Parents only want the best for their children, and that includes quality education. After all, education is one of the best ways to equip our children with skills and knowledge to help them achieve a successful future.

Education plans allow parents to set aside money for their children’s future education. It’s a smarter move than delaying your savings, worrying about it when the time comes, and being unable to provide the best for your children because of financial restraints and the high cost of tertiary education.

While many parents opt to pay out of pocket for their children’s education, very few Filipino couples choose to save and invest in education plans. It’s not because education plans are ineffective, but more because many Filipinos do not fully understand the advantages of an education plan for their children.

Here’s what you need to know about education plans and why you need them for your child’s future.

### What are education plans?

Think of education plans as a crossover between life insurance and a savings account dedicated to your child’s college education.

When you get an educational plan for your child (ideally right after they’re born), your premiums are placed into a fund where you can watch your money grow over the years.

As your child attends college, you can withdraw from your return on investments or account value, which have compounded over the course of your investment period. The accumulated ROI will  be more than enough to pay for your child’s college career, whether they opt to study in a private or public institution.

But in case of your untimely demise before your child is old enough to attend college, your child’s education plan can provide a sum that will cover their college tuition.

### How much is an education plan?

The plan’s benefits and premiums vary on several factors, including:

* **Your child’s age when you take out an education plan.** Premiums are always lower for younger insured individuals, which is why it’s recommended you get one right after your child is born. The earlier you start, the younger your children are, which gives you more time for your money and savings to grow. That’s why taking out education plans for teens will result in higher premiums because there’s shorter time for your investment to grow.
* **The insurance company.** It ultimately depends on which insurance company you decide to go with, which is why it’s important to shop around for the best deals.
* **The goal amount.** Given the rising costs of education, you ideally want the benefit to cover the entire education cost by the time your child enters college. Take into account the school you want your child to attend and the course they’ll be taking up.
* **Additional riders.** Add-ons to your insurance policy will bump up the cost of your premium. On a brighter note, these additional riders will also enhance your policy benefits. For instance, the Bright Rider feature from AXA’s educational plan ensures that in case of your untimely demise, you will still be able to support your child's future education. It comes with a yearly pay out to ensure that your child will go through primary and secondary education without thinking about school funds. By the time they enter college, the ROI of their plan can be used to fund their college tuition fees.
* **Stability of the company.** Pricing is influenced by the company's underwriting and premium calculations. Sometimes, the cost goes up if the rates are not sufficient to adequately cover their claims. That's why it's important to understand the financial strength of an insurance company. If there's a difficult claim situation, you don't want to know that your insurance provider can't pay your claim due to poor financial results.

There are plenty of education plans available in the Philippines, so it’s important to shop around and find a package deal that meets your needs for your child’s future. Even months before your child is born, it’s important to get a head start in shopping around because this is a premium you will have to pay for years.

### Education plans vs. savings account

For parents who want to get a head start but opt not to take out an education plan, the most popular option is to open a savings account dedicated to their child’s college fund and frequently deposit money.

But the problem with this method is that savings accounts’ interest can only go so far and move slowly compared to investing your money in an education plan. Unless you consistently deposit money to your Savings account, you won't be able to beat the annual tuition hike.

With an educational plan, the sooner you get one, the more affordable the premiums and the higher the potential returns will be. Insurance companies like AXA also have a unique bonus - starting Day 1 of your policy, you enjoy a Start-up Bonus equivalent to 70% of the first year premium you invest into your selected AXA funds.

To fully meet your child's needs, you can also add riders to the educational plan. Riders provide insured parties with additional coverage options to ensure your child can still go to college even when you're no longer around.

Over the next 18 years, the cost of college tuition will grow faster than the interest your savings account will gain. This makes it difficult for the average Filipino to save enough to cover their child’s entire college tuition.

One unique differentiator of a VUL product for an Educational Plan that is distinct from mutual funds and UITFs is the protection feature. If the parent dies (the insured individual should be the parent or whoever is the breadwinner), the proceeds of the money can be used to sustain the education of the child. As a parent, you will gain peace of mind that in case the unexpected happens, your children or dependents will be able to finish their studies.

### Disadvantages of education plans

The biggest disadvantage education plans have is that they’re an added cost to your monthly expenses. This could be difficult for a young couple with a newborn child. But if you’re thinking long-term and looking at your child’s future college fund, this added cost can be worth the additional expenses.

For parents who want to prepare for their child’s future, education plans are a good way to ensure your child’s schooling long before their college years. With an education plan, your child will not have to worry about having the financial capacity to get the best education they can reach.

If you wish to check out one of AXA’s educational insurance plans, visit https://www.axa.com.ph/mylifechoice/education. With AXA, you can plan ahead so that no matter what happens to you, your child can receive the gift of education and a secure future.

Parents only want the best for their children. For many, that means saving for and investing in education plans. Here’s what you need to know about education plans for the future.

Education plans: Why parents definitely need them for their children

Many dream of owning a private vehicle. That’s why it may be one of your first major investments, as a private vehicle can help you move around without having to take public transportation.

As a first-time car owner, you have three options when purchasing a car: shopping for a brand-new one from an authorized dealership, buying a secondhand car from a private individual or car shop, or placing a bid at auctions for repossessed vehicles.

Each option has its pros and cons, so here’s a guide to help you decide the best route based on your financial capacity.

### Shopping for a brand-new car

Buying a brand-new car means going to authorized dealerships to purchase the car of their choice.

*Pros:*

* **Value for money**. While some banks offer car loans for secondhand vehicles, auto loans for brand-new cars are more affordable because you’re guaranteed to get a car in mint condition. Secondhand units, on the other hand, have higher interest rates and shorter repayment terms.
* **Less effort shopping for cars**. You’re confident that brand-new cars are in excellent condition, so all you need to do is find a car that matches your needs and budget. Secondhand cars, on the other hand, require some legwork, a keen eye for spotting defects, and excellent research skills to know if a supposed steal is truly a good deal. 

*Cons:*

* **Quick depreciation**. A car is a depreciating asset, meaning it loses a percentage of its value the moment it leaves the dealership. If you’re on a budget, you might be better off searching for a secondhand car that’s only a couple of years old.
* **Higher insurance payments**. The higher the value of the car, the more expensive your insurance premiums are.

### Buying a secondhand car

Buying a secondhand car means looking for a private individual selling their old car. You can find them within your network or through online forums. You can also look at secondhand car dealerships.

*Pros:*

* **Better reselling opportunities**. A brand-new car depreciates up to 30 percent just by driving it off the dealership’s lot. By the third year, its value depreciates to half its worth. This means the first owner has taken the biggest depreciation hit, so when it’s time to resell, you can have it customized or upgraded to be resold at a higher price as long as you maintain its quality.
* **Lower insurance rates**. Because of depreciation, insurance rates for secondhand cars are significantly lower than that for brand new cars.

*Cons:*

* **Possible defects**. You have to be careful when buying secondhand cars because these are not protected purchases. If there are defects, you will be responsible for the repairs.
* **Higher maintenance**. Because the car you will be purchasing will not be brand-new, it has already gone through some wear and tear. You will need to pay for regular maintenance services more frequently than you would for a brand-new car to ensure it runs smoothly and safely.

### Bidding for repossessed vehicles

Bank-repossessed vehicles have been legally repossessed due to the original owner’s failure to pay off their auto loans or were used as collateral. When a bank reclaims a car, it either sells it at a discounted price or auctions it off to recoup the missed payments of the original owner.

*Pros:*

* **Cheaper than a brand-new car**. Repossessed vehicles are also considered secondhand cars, so they share the same advantage of being cheaper than a brand-new one.
* **Safer than dealing with a private seller**. Secondhand cars are cheap, but buying from an independent seller can be risky. You don’t know if that car was illegally obtained or if the specifications they are advertising, like mileage or fair value, are accurate. Repossessed vehicles, on the other hand, are always legally acquired, have complete documents, and are managed by a reputable bank.

*Cons:*

* **Sold “as is where is.”**  Unlike car dealerships where you’re guaranteed a car in tip-top shape, the bank is not liable for any hidden defects you did not spot when browsing through repossessed cars.
* **Quality concerns**. Just like secondhand cars, the quality of repo cars are at the mercy of their former owners. If the previous owner could not afford to make their car payments after a number of years of paying for the car, there’s a chance that they were not able to maintain the car.

These are just some of the pros and cons that go with buying brand-new, used, and repossessed cars. Before investing in your first car, it’s always important to make a well-informed choice and see which option has the least number of drawbacks for your financial situation.

Let Metrobank guide you through this milestone in your life. Let’s discuss about how Metrobank can help you get the car of your dreams with a [car loan](https://metrobank.com.ph/upgrade/car-loan).

Many Filipinos dream about buying their first car. There are three ways to purchase it: buy brand new, get a secondhand car, or bid for a repossessed car. Which is the best method for you?

Your first car choices: New vs. secondhand vs. repossessed

Buy load in Metrobank Online, the Metrobank Mobile App, and Metrobank ATMs.

## I. PROMO MECHANICS


1. All Metrobank accountholders will receive an 8% load rebate for every purchase of the participating Smart and TNT regular eLoad products via Metrobank Online, the Metrobank Mobile App, or Metrobank ATMs within the promo period. Below is the table of participating load denominations and their corresponding rebate to be awarded to qualified accountholders:

	| Load Denomination | 8% Load Rebate | 
	|-------------------|----------------|
	| P 200 | 16 |
	| P 300 | 24 |
	| P 500 | 40 |
	| P 1,000 | 80 |

2. The promo shall run from August 28 to October 28, 2021.

3. Promo days when the accountholder will be given the cash rebate will be every 8th, 18th, and 28th of the month within the promo duration.

4. The crediting of the rebates will be on SEPTEMBER 10 (rebates for AUGUST transactions), OCTOBER 8 (rebates for SEPTEMBER transactions) and NOVEMBER 5 (rebates for OCTOBER transactions) within the promo period. All rebates shall be credited to the account holder’s Metrobank Account where the eLoad transaction was made and an SMS will be sent to the account holder once the credit has been made to the account.

5. A maximum of one (1) transaction per account holder per promo day will qualify in the rebate program. For multiple transactions per promo day, the higher transaction amount will be the amount that will be awarded with the cash rebate.

6. Rebates are non-transferable and not convertible to cash.

7. The promo is subject to the terms and conditions of Metrobank and Smart. In case of dispute, the decision of Metrobank and Smart shall be final, with consent from DTI.

8. Any amendment in the terms and conditions is subject to DTI approval.

9. Metrobank is regulated by the Bangko Sentral ng Pilipinas with telephone number: 8708-7087 and email address at consumeraffairs@bsp.gov.ph.



## II.	CUSTOMER SUPPORT

1. For any questions or clarifications on the promo or concerns with regards to Metrobank’s channels (Metrobank Online, Metrobank Mobile App, Metrobank ATMs, customers may contact Metrobank Contact Center at (02) 88-700-700.or send an email to customercare@metrobank.com.ph for customer.

2. For customer concerns with regards to prepaid load products, customers may call 888 Toll-free Number using a mobile phone or (02) 8888-1111 through landline.


&nbsp;

- - -

Per DTI Fair Trade Permit No. FTEB-125657, Series of 2021

Earn 8% cash rebate when you buy at least PHP 200 regular load on the 8th, 18th, and 28th of every month within the promo period of August 28 to October 28, 2021. 

Buy Smart load and earn cash rebates​

The Investor Relations Department serves as the resource for shareholders, equity and financial analysts, rating agencies, regulators and the media to appreciate the Bank’s business, recent performance and significant developments.

Regular updates are disseminated through the Bank’s company filings and disclosures. These are also discussed and presented in one-on-one meetings, investor/analyst briefings and conferences, and media briefings.

View the latest investor presentations:


**2021**

* [Q2 2021 Investor Presentation](https://www.datocms-assets.com/26060/1629256142-mbt-q2-2021-company-presentation.pdf)

* [Q1 2021 Investor Presentation](https://www.datocms-assets.com/26060/1622428167-mbt-q1-2021-company-presentation.pdf)


**2020**

* [Q4 2020 Investor Presentation](https://www.datocms-assets.com/26060/1623648805-mbt-q4-2020-company-presentation.pdf)

* [Q3 2020 Investor Presentation](https://www.datocms-assets.com/26060/1623648829-mbt-q3-2020-company-presentation.pdf)

* [Q2 2020 Investor Presentation](https://www.datocms-assets.com/26060/1623648852-mbt-q2-2020-company-presentation.pdf)

* [Q1 2020 Investor Presentation](https://www.datocms-assets.com/26060/1622093594-mbt-q1-2020-company-presentation.pdf)


**Policy on reporting sustainability measures**

The Bank’s Sustainability Office under the Strategic Planning Division is tasked to disclose all pertinent non-financial information (as applicable), with emphasis on the management of economic, environmental, social and governance (EESG) issues of the Bank’s business which underpin sustainability.

**Investor Conferences and Roadshows**

| Date                  | Organizer                    | Event                                                        | Venue              |
| --------------------- | ---------------------------- | ------------------------------------------------------------ | ------------------ |
| October 13, 2021      | Jefferies and Regis Partners | Philippines Corporate Access Day | via Zoom          |
| September 9,2021      | J.P. Morgan                  | J.P. Morgan Asia Pacific CEO-CFO Conference                                                                            | via Zoom          |
| September 8,2021      | Jefferies and Regis Partners | Jefferies Asia Forum              | via Zoom           |
| September 7, 2021     | UBS                          | APAC Financials & Fintech Virtual Conference      | via Zoom          |
| September 2, 2021     | BlackRock                    | BlackRock ASEAN Virtual Tour      | via Webex          |
| August 16, 2021       | Maybank Kim Eng              | Invest ASEAN 2021                | via Zoom           |
| July 2, 2021          | Macquarie                    | Macquarie Group Call: Philippines Insights | via Zoom          |
| June 17, 2021         | Goldman Sachs                    | GS Asia Financials Virtual Corporate Day | via Zoom          |
| May 27, 2021          | BofA-PEP                     | 2021 APAC Financial, Real Estate Equity and Credit Conference | via Zoom           |
| May 21, 2021          | J.P. Morgan                  | Virtual J.P. Morgan ASEAN Financial Day                       | via Zoom           |
| March 22, 2021        | Regis Partners               | Regis Partners CEO Roundtable Series                         | via Zoom           |
| March 11, 2021        | DBS Vickers                  | DBS Vickers Corporate Day: ASEAN Banks & Financial Companies | via Webex          |
| March 5, 2021         | UBS                          | UBS Philippines CEO/CFO Forum                                | via Zoom           |
| February 9, 2021      | MUFG                         | MUFG Philippines Fixed Income Investors Conference           | via Webex          |
| January 29, 2021      | J.P. Morgan                  | 15th J.P. Morgan Philippine Conference 2021                  | via Zoom           |
| January 6, 2021       | J.P. Morgan                  | Virtual J.P. Morgan ASEAN Financial Day                      | via Zoom           |
| December 2, 2020      | Credit Suisse                | 2020 Asia Financials Virtual Corporate Day                   | via Zoom           |
| November 19, 2020     | UBS                          | Conference: Meet the CEO and other Senior Executives         | via Zoom           |
| October 20, 2020      | Credit Suisse                | Credit Suisse Philippines Virtual Conference                 | via Zoom           |
| October 14-15, 2020   | Jefferies and Regis Partners | Philippines Corporate Access Days                            | via Webex          |
| July 2, 2020          | J.P. Morgan                  | J.P. Morgan Philippine Banks Day                             | via Teleconference |
| June 29, 2020         | Macquarie                    | Macquarie Group Call:   Philippines Insights                 | via Webex          |
| February 3-4, 2020    | J.P. Morgan                  | J.P. Morgan Philippine   Conference 2020                     | Manila             |
| January 9, 2020       | DBS Vickers                  | DBS Vickers Pulse of Asia   Conference                       | Singapore          |
| January 8, 2020       | J.P. Morgan                  | J.P. Morgan Financials 1x1 Forum                             | Singapore          |
| November 14, 2019     | UBS                          | UBS ASEAN Banks Virtual   Conference                         | Manila             |
| November 6, 2019      | J.P. Morgan                  | Metrobank Non-Deal Roadshow                                  | Chicago            |
| November 5, 2019      | J.P. Morgan                  | Metrobank Non-Deal Roadshow                                  | New York           |
| November 4, 2019      | J.P. Morgan                  | Metrobank Non-Deal Roadshow                                  | Boston             |
| October 30–31, 2019   | UBS                          | Metrobank Non-Deal Roadshow                                  | Hong Kong          |
| October 29, 2019      | Macquarie                    | Metrobank Non-Deal Roadshow                                  | Singapore          |
| September 3, 2019     | Maybank                      | Philippine Corporate Day                                     | Kuala Lumpur       |
| August   20, 2019     | J.P. Morgan                  | J.P. Morgan ASEAN and India   Banks 1x1 Forum                | Manila             |
| June 21,   2019       | Maybank                      | Malaysian Client Tour                                        | Manila             |
| June 20, 2019         | Macquarie                    | Macquarie ASEAN Banks Tour                                   | Manila             |
| April 1, 2019         | J.P. Morgan                  | J.P. Morgan ASEAN Banks Tour                                 | Manila             |
| February 27, 2019     | UBS                          | UBS Philippines CEO/CFO Forum   2019                         | Manila             |
| January 21-22, 2019   | J.P. Morgan                  | J.P. Morgan Philippines   Conference 2019                    | Manila             |
| January 9, 2019       | J.P. Morgan                  | J.P. Morgan ASEAN Banks 1x1   Forum                          | Manila             |

**Media and Analysts’ Briefings**

| Date                | Agenda                                               | Venue                     |
| ------------------- | ---------------------------------------------------- | ------------------------- |
| August 4, 2021      | Analysts' and Investors' Briefing: 1H 2021 Results   | via Webex                 |
| May 4, 2021         | Analysts' and Investors' Briefing: Q1 2021 Results   | via Webex                 |
| February 22, 2021   | Analysts' and Investors' Briefing: FY 2020 Results   | via Webex                 |
| November 4, 2020    | Analysts' and Investors' Briefing: 9M 2020 Results   | via Webex                 |
| August 4, 2020      | Analysts' and Investors' Briefing: 1H 2020 Results   | via Webex                 |
| May 4, 2020         | Analysts' and Investors' Briefing: Q1 2020 Results   | via Webex                 |
| November 14, 2019   | Media and Analysts Briefing: 9M 2019 Results         | Grand Hyatt Hotel, Manila |
| August 15, 2019     | Media and Analysts Briefing: 1H 2019 Results         | Grand Hyatt Hotel, Manila |
| May 14, 2019        | Media and Analysts Briefing: Q1 2019 Results         | Grand Hyatt Hotel, Manila |
| March 27, 2019      | Media and Analysts Briefing: FY 2018 Results         | Grand Hyatt Hotel, Manila |

For more information, you may reach the Metrobank Investor Relations Department through the following:

**Investor Relations Department**

**Email Address**: investor.relations@metrobank.com.ph

**Telephone no**: (02) 8857 5348

**Address**: 11/F Metrobank Plaza, Sen. Gil Puyat Avenue, Makati City, Philippines 1200

Learn more about the Metropolitan Bank & Trust Company (MBT) Investor Relations Program.

Metrobank Investor Relations Program

When it’s time to buy your first car, build your home, or start your business, a loan from a bank or lending company may be necessary for many Filipinos. With various options in the market, you will find several options that may suit your needs and may also offer feasible repayment policies.

In the United States and the European Union, a loan application involves understanding the borrower’s credit score.

In the Philippines, however, there is no unified credit rating system, which creates a credit score for Filipinos. So, in case you’ve tried applying for a loan but were rejected, you might wonder why.

Here are some factors taken into consideration when banks and lending institutions assess your loan applications.

### Current income

Lenders would never loan money to people who do not have a steady source of income. After all, how would they expect a borrower to pay if they do not have a reliable source of income to help repay their loan? Lenders want to make sure that you not only have an income from one or more sources (e.g. salary, income from your own business, freelancing, etc.), but this income is enough to pay for your loan within a given amount of time while having enough left to support your lifestyle or basic necessities.

For example, let’s say that you are an employee for a private business and make a net income of PHP 71,765 per month.

* You want to pay apply for a HOME LOAN for PHP 2.5M
* Payable in two years.
* Indicative interest at 5.50% fixed for 2 years you will have to pay PHP 110,239 every month.

This is not feasible because it’s way more than you can make in a month, so it would be rejected. But now, let’s say you’ve applied for a loan of PHP 2.5M in 10 years.

* You want to apply for a HOME LOAN for PHP 2.5M.
* Payable in 10 years.
* Indicative interest at 6.75%. Indicative interest means it might change based on prevailing interest rate at the time of loan release.
* Fixed pricing at five years, which means the interest rate will be 6.75% in the next 5 years. After five years, the loan will be subject to re-pricing. The interest rate can be lower or higher depending on the market situation.
* Gross Family Income is considered instead of Net Income.
* This brings down your monthly amortization  to PHP 28,706.

The total interest you pay for this loan will be much higher cumulatively, but it is a feasible loan you can pay off with your total income, so it is more likely to be approved.

The bank will also consider approving your loan application if you can pay off the monthly amortization in the specified period, aside from being able to afford their basic necessities and other existing loans/debts.). The bank measures your capacity to pay by evaluating your Debt Burden Ratio (DBR).  This is computed as total monthly amortizations (including the new loan for approval) divided by your gross family monthly income. The DBR is used as a tool to help gauge if you have enough cash surplus to afford basic necessities after paying for all of your home requirements.

### Your current household expenses

Back to our example again, a monthly payment of PHP 28,706 is feasible for someone living within their means if they have PHP 71,765 in monthly income. But if you’re earning that amount and living way beyond your means, you might not have enough disposable income to pay off your loan.

Lenders either use the services of an investigator or interview the applicant about their household expenses. Ideally, it would help if the applicant was not the only source of income for the household and other members of the family chip in. That way, it can reflect that the applicant has the means to pay their loan.

### Current standing with credit card

Depending on the type of loan you’re applying for, you may be asked to list down your credit card accounts, your credit card provider, and the amount you owe.

This is to help lenders assess how much debt you’re in and how feasible it is that you can still pay them despite your other forms of debt. Going back to our income example, paying PHP 28,706 a month is feasible on a PHP 71,765 monthly income. But adding the cost of living, household expenses, and your credit card debts you have to pay off, a borrower may be unable to pay any new debt because of their existing ones.

### Your loan history

Another debt your lenders will look for is for past and present loans you’ve taken out. Past loans that you’ve already finished paying can be an indication that you can fulfill your loans and pay them off.

On the other hand, existing loans that you’re still paying for can be treated similar to existing credit card debt. Lenders will assess your current loans and, added with your everyday expenses, see if you are still able to pay off this new loan despite the other loans you already have. If you have a history of delayed loan payments, this will reduce your chances of getting your loan application approved. But if you have a good history of paying for your existing loans on time, this will give your lender a positive impression that you are capable of paying on schedule.

### Your list of assets

In case the worst happens and you default on your loans, some types of loans require collateral as a safeguard for the lender’s investment, Thus, they will need a list of your assets that can serve as your collateral should you fail to pay off your loan. These collaterals will then be legally seized by the lender, sold at auction, and then the revenue from that sale will be used to pay off the remaining debt the borrower has.

Depending on the type of loan you’re taking, the collateral can vary. For example, if you don’t have any assets and you are applying for a car loan, the car you buy will serve as collateral. The same goes if you are buying a home. However, some types of loans require assets to be used as collateral to indicate your seriousness on the loan.

Take note that some loans will also need what is called an equity requirement. This is proof to your lender that you are serious about your loan. Your equity is also called your down payment for the sale of the property.

Loans can help many Filipinos achieve their goals by giving a financial boost. But if you find that your application was rejected, these five factors may be the reason behind your inability to get a loan. If you need expert advice, let Metrobank guide you in securing a bank loan -- whether you're buying a home, a car, or you need capital for your business.

Talk to us to learn more about our loan products, customized to address your specific needs.

Unlike the US or EU, the Philippines does not have a unified credit rating system. Here are the factors taken into consideration lenders use to assess loan applications.

Your credit review: How your loan applications are checked

Used responsibly, a credit card is a helpful financial tool. Paying consistently and on time can boost your credit rating and offer you rewards for purchases. However, if your credit spending gets out of control, accumulated interest and monthly payments can become a problem.

In this article, we teach you the art of managing credit cards and how to leverage responsible credit card management to your advantage. Below are some tips on how to become more financially responsible with your wealth, inspired by the credit card best practices according to the money-savvy.

### Track your credit card spending religiously

Money-savvy people track everything they spend. They may track expenses in different ways, but what matters is they found a method that works for them. Like them, you’ve got to find a method that works for you.

One effective method is to categorize the way you spend according to your habits and lifestyle. You can organize your credit card expenses into the usual categories: utilities, groceries, gas, meals, travels, and clothing.

Set aside a little time to analyze your spending habits. You might find you’re running over on your clothing budget or spending more than usual on expensive coffee. You could use this money in other ways, like starting a travel fund or setting aside extra money for your retirement.

Another easy way to track and manage credit card spending is not to spread it across too many credit cards. Don’t go overboard by managing more than two or three credit cards at a time. Having a maximum of three credit cards lets you maximize their benefits and keep your balances at a manageable level.

### Scrutinize your bill

Money-savvy people look at their bill carefully. They check how much the bill is and when the payment is due. They also run down all items, preferably with receipts to match. With a lot of online fraud going on nowadays, you should always be on the lookout for anomalous transactions and accidental double credit card entries from, say, your supermarket or department store.

This is why it’s important to scrutinize your bill as soon as you receive it. If you see something that’s not right, report it right away to your bank’s credit card hotline. If you have to file a dispute, file it right away. Don’t wait.

### Pay off your credit card debt in full all the time

This one’s simple but remains one of the best practices for managing credit cards. Money-savvy people pay off their credit card bill in full every month. Otherwise, they end up paying more because of interest.

Usual credit card purchases (except installment purchases) are short-term loans extended to you by the credit card issuing bank. You will be billed after one credit card cycle, which is usually about 21 days after your monthly cut-off date. If you miss the payment due date, you will have to pay late and finance charges. It will also have a negative impact on your credit score.

Yearly credit card interest rates can take a huge bite out of your savings if you don’t rein in unnecessary credit card spending. The Philippines’ Central Bank issued an annual cap of 24% on credit card interest rates in November of 2020, but prior to this, credit card interest rates could run up to 36 or even 47% a year.

The solution? Pay your credit card in full when the deadline comes around. When making a big purchase, ask if you can get a 0% installment deal, and take it if they do, but commit to the monthly payments. Track your expenses religiously as you continue paying in full.

You shouldn’t spend more than your preset monthly budget for regular expenses and disposable items. If your credit card bill starts ballooning to unmanageable levels, it’s time to review your expenses and pay for everything in cash or via debit card. 

If you need further help with responsible credit card management, we have an article on the best practices for managing your credit card.

### Pay on time, all the time

Paying on time, all the time is a sacred rule of responsible credit card management. If you cannot pay your dues in full, then pay for what you can by the deadline.

If you scrutinize your bill regularly, you know what comes if you don’t pay on time. You’ll get a late charge fee (which is calculated as a flat fee or as a percentage of your bill, depending on the bank), as well as a finance fee. The late charge fee applies even if you’re just one day late, so you’ll always pay a late fee together with the finance fee.

What’s worse is if you start missing credit card payments, you’re going to hurt your credit score, which in the Philippines is tracked by the [Credit Information Corporation](https://www.creditinfo.gov.ph/). Your credit score is calculated based on your timely payments for utilities such as PLDT, Meralco, and your mobile phone bill, as well as any outstanding loans you have on record.

A low credit score hurts your ability to raise your credit limit or ask for any kind of loan. You don’t want to waste your earnings and savings on unnecessary fees, and you don’t want to hurt your credit score, either. So make sure your credit card payment habits include paying on or before the deadline.

### Maximize the credit card benefits

There are many credit card products with various offers. If you’re a careful and responsible credit card user, you could be maximizing your credit card’s benefits in no time with no additional expense.

Credit card benefits vary according to the card you choose. Here are some examples:

* Rewards points based on credit card usage
* Rebates on your gasoline bill or discounts on car maintenance and accessories
* Air miles based on overall spend, as well as airline and hotel spend
* Free or discounted access to airport lounges, travel insurance coverage, and other travel offers
* Cashback promos and gift checks
* Concierge service and increased rewards points for hotel stays, hospital bills, and online purchases
* Waived yearly membership fees based on accumulated spend

Credit card brands also offer special wellness, travel, shopping, and dining discounts from various establishments, as well as special zero percent interest for up to three or six months for certain types of purchases. Cashback promos are among the most in-demand benefits by a lot of credit card users.

Doing some credit card research on product benefits and discounts could go a long way in helping you earn discounts and savings that match your lifestyle–benefits that you’d probably never get otherwise.

### Don’t max out your limit

Here’s a bonus credit card best practice: money-savvy people never max out their credit card. 

Juggling monthly expenses using your credit card saves you the inconvenience of queuing at the bank for utility payments or carrying large amounts of cash. As a matter of industry practice, it’s usually okay to incur credit card expenses up to about 30% of your credit card limit, but do not go beyond that.

Showing you can use your credit card responsibly by paying on time can help you improve your credit score. Your credit card company may even increase your credit card limit once your yearly card renewal comes around or when you ask for one.

### Leverage responsible credit card management to your advantage

Money-savvy people know how to use credit cards without getting into huge debt or carrying over any credit balance from one month to the next.

Those who gained the most from credit cards are the ones who follow the credit card best practices outlined above. That includes having responsible credit card payment habits and maximizing credit card benefits. It also involves spending within your means and making sure you know your limits.

Learn the art of managing credit cards with Metrobank. [Apply for a Metrobank credit card](https://metrobankcard.com/Cards) that fits your needs and lifestyle and gain access to a wide range of credit card benefits and perks.

Financially wise people protect their earnings by managing their credit cards. Here are 6 best practices for credit card management you can learn from them.

6 Credit card best practices from the money-savvy

Here’s a common scenario you might be familiar with: you’re in a mall and an item catches your eye. You want it, but buying it is going to throw off your budget. After a minute or so of looking and holding that item, you think, “Why not?” At first, you think you made a good buy. But after a few hours or days, you start to regret making the purchase and think of all the other things you could have done with your money.

This is known as “buyer’s remorse”﹘or that feeling of regret after making an expensive impulse purchase that did not meet your expectations.

If that sounds like something you usually experience, one of the ways to avoid buyer’s remorse is by using the 24-hour waiting principle.

Here’s what you need to know about it.

**Taking stock at what you buy**

The 24-hour waiting principle suggests that  if you want to avoid making an impulse purchase and the inevitable buyer’s remorse that comes after it, you should give yourself 24 hours to decide before buying any expensive item.

If you still want to buy the item after 24 hours, it means you really want it and are less likely to experience buyer’s remorse. Otherwise, if you find that you’re no longer interested in purchasing it, it might have just been an impulse purchase that you would have regretted later on.

The beauty of this principle  is that you see a purchase for what it is without rose-colored glasses. When you see a sale, you may feel pressured to make the purchase immediately because the deal may no longer be there after 24 hours. But even if an item is on sale, you are still vulnerable to experiencing buyer’s remorse over the actual money you spent for that expensive item.

**For wants, not needs**

Waiting for 24 hours is important because it takes away the pressure to make a purchase at that moment. When you give yourself time to decide, you can weigh in on your decision to make that purchase.

Take note, however, that this principle only applies to purchases that fall under your “wants, not needs.” Essential items and emergency purchases should not be delayed–you will definitely need these items.

**More tips to avoid buyer’s remorse**

Combined with the 24-hour waiting principle, these additional tips can help you determine how you can avoid making impulse buys that will not spark joy later.

* *Avoid the bandwagon.* When you see the latest high-end phone in the market or the newest pair of shoes that everyone is buying, give yourself time to think if you want the item or you just want to buy it because everyone else has it. When the hype dies down and people stop talking about it, you may be stuck with an item you don’t want or need because you gave into the trend.

* *Make allowances for your budget.* Ideally, your budget should have provisions for your wants. When you spot an item you want and it falls within your budget, ask yourself if the item is worth taking up most or all of your provisions for that month. If it goes over budget, ask yourself if you are willing to sacrifice the provisions for your needs to purchase that item. When you see how much that item will affect your spending for the rest of the month, it can help you put things into perspective and see if the purchase is worth it.

* *Think long-term.* Sure, you’ll get a bit of a kick when you purchase it and bring it home, but think about it long-term. Are you buying something that can make you happy in the long run, or are you just giving yourself instant gratification?

**Most Important: Don’t compare**

So you decide to follow all these steps to avoid buyer’s remorse. You wait for 24 hours and realize you want an item, so you buy it. You’re happy, but later you start to notice signs of buyer’s remorse. Why is that?

One reason may be because you’re still comparing and wondering the what-ifs of not making a purchase.

Let’s say that you bought the latest phone in the market and, for a while, you’re happy about it. But a new phone comes out after a couple of months, and you find yourself wishing that you waited instead of buying the phone you already have.

There will always be different products in the market. But if you’re constantly searching for the best thing without being content with what you have, it might indicate either of these things: you’re never happy and always remorseful about your purchase, or you’re constantly breaking your budget to buy new things.

Buyer’s remorse has happened to a lot of us. For expensive items, it’s important to think clearly and make sure you truly want something rather than feel pressured to buy it to avoid regretting your purchase later.

Do you often feel guilty after making an impulse buy? Here’s how waiting 24 hours can help you avoid experiencing buyer’s remorse.

How waiting 24 hours can avoid buyer’s remorse

This serves as continuation of the topic on how to assess your assets and liabilities, how that goes into computing your net worth, and why it matters for your finances.

So what is net worth and how do you compute it?
Having understood what constitutes assets and liabilities, let’s look at this simple formula:  

**Net Worth = Assets – Liabilities**

To begin, compile the value of all your assets onto a spreadsheet and calculate. This may include:
* Physical assets like real estate property, cars, home furniture, business equipment, and anything else that you own.
* Financial assets including cash, short-term and long-term financial investments like stocks, bonds, time deposits, business and rental earnings.

Liabilities are everything that you owe and need to pay for: a business, car loans, home mortgage, insurance payments, and yearly taxes. It also includes short-term loans, like your credit card.

You might need an accountant to help you assess the value of your assets and liabilities if these are spread out over long periods.

### What net worth really means

After you’ve made your calculation, this all boils down to one figure: your net worth. It is your value as an individual today minus the liabilities. If your net worth is positive, great! It means that your financial decisions so far have succeeded in improving your financial standing. You may have made good investments in real estate, or are able to mitigate losses in your stock market investments, or your new business investment paid off. Whatever the reasons are, your personal net worth is good!

If your net worth is negative, it paints a picture of your financial situation, where you have unmet financial obligations that need to be addressed. These could be debts due to high mortgage payments, high tuition fees, or costly hospitalization or medical treatment. The way to address this is to reduce debt and reduce expenses, which usually requires an adjustment in your daily lifestyle.

### What do you do next?

Assessing your net worth is a good exercise, regardless of the outcome, because it helps you plan what to do next.

If your net worth is negative, it only means that you will have to revisit all your sources of income and check against all your expenses. Work out a plan to reduce debt in a way that’s more manageable for you.

The easiest thing to do is to reduce your spending, whatever that may be. You can also temporarily cut spending on discretionary expenses like meals, clothes, and travel. Also, focus on further reducing your credit card bills, which have some of the highest interest rates in the market.

After exercising debt reduction, you can do debt consolidation. It may not be possible to get a reduction on car loan payments, but a recalculation on your home mortgage is possible, based on your financial standing and a reassessment of your assets and liabilities.

### Growing your wealth

If your net worth is positive, you may wish to consider exploring other investments to grow your wealth.

Traditionally, financial assets might include money market instruments, stocks, bonds, mutual funds, and unit investment trust funds. However, the scope also includes assets such as real estate, commodities, or even structured products and cryptocurrency.

With such a wide variety of alternatives, it may be confusing to understand which assets are suitable for you and how they might be combined with one another to meet your wealth goals.

### Talk to us

If you have a sense of your own investment risk appetite and feel comfortable looking at other options, you might be looking for investment and wealth management solutions. Wealth management services allow you to access timely market information, get guidance on how your assets might be allocated, and explore more sophisticated investment options with professional support from experienced investment specialists and relationship managers.

From online consultations to portfolio reviews and product discussions, you can talk to a portfolio officer for professional investment advice and timely reporting. We can help you choose when and how to set up a personal management trust fund for your loved ones and manage the disbursement of life insurance payments. This helps you ensure that whatever amount you save and grow today returns to you in the future.

[Metrobank's Wealth Manager](https://metrobank.com.ph/wealth-manager) lets you view your outstanding treasury portfolio, explore additional investment options, and request for more in-depth discussions with one of our Investment Specialists. Some of the features include a Bond Calculator, access to foreign exchange board rates and time deposits rates, market updates curated by reputable industry experts, and more. Whether you are diversifying your portfolio or managing your wealth, we make it easier for you to securely access your investments.

Metrobank has developed an accessible online platform that helps you [make informed decisions](https://metrobank.com.ph/help#FAQ-Wealth_Manager) about your money. Please visit your nearest Metrobank branch or contact us at customercare@metrobank.ph to get more information. We look forward to hearing from you.

Computing your total assets and liabilities helps you obtain a clear picture of your financial standing, which can boil down to one figure: Personal Net Worth.

Knowing your personal net worth and why it matters

On a scale of one to ten, how satisfied are you with your income?

If you’re making enough income to cover your needs and wants, then you might give yourself a satisfactory score of five or six. But if you’re living a more comfortable life, then you might elicit a different set of answers.

Many Filipinos also feel the same. According to career and recruitment website Monster, [48 percent of Filipinos surveyed feel underpaid](https://www.monster.com.ph/career-advice/4-reasons-why-filipinos-are-dissatisfied-in-their-current-career-7759.html).

The truth about income satisfaction is that if you’re not spending money on expenses that spark joy, you’re more likely to feel unhappy, regardless of how much you make.

In most instances, you spend money on what is immediate rather than what’s important. Remember, not all spending habits are the same, and some purchases do bring happiness much longer than others.

So how do you let spending your money make you happy?

Consider changing your spending mindset, and learn these tips to help bring happiness when you spend your hard-earned money.

### Spend on experiences, not stuff

You decide to purchase a new pair of shoes worth PHP 5,000. You feel happy because you can’t wait to show them off.  But as time passes, that happiness dies down. Now that you spend most of your time at home, this new pair of shoes is kept in a shoe rack. And when you do go out, there’s a chance that another pair of shoes you own looks better. This pair of shoes that once made you happy becomes another addition to your collection. The novelty has worn off. It no longer sparks joy.

Now, instead of buying a new pair of shoes, you decide to spend that P5,000 on a shared experience with loved ones. That amount of money can treat family members to a socially distanced buffet or a hearty take-out meal from a favorite restaurant. If travel is already possible, you can use that money for a day or roadtrip to a nearby beach or a farm. Money spent on experiences goes a long way. That is money spent well on making good memories, which will not only make them smile but also appreciate your kindness.

### Spend on others

Consider spending on others’ happiness rather than just your own. In his research, Harvard Business School Professor Michael Norton found that giving and spending money on others [can make people happier](https://hbswk.hbs.edu/item/to-buy-happiness-spend-money-on-other-people). So, practices like gift-giving and charity spending can bring happiness.

### Make your money grow

Whoever said that money can’t buy you happiness probably never invested their money correctly.

When you spend money on everyday items, these items will depreciate. But when you invest, you see your money grow and reap the benefits of your returns either by re-investing your money or using the profits to buy what you want.

You can also consider spending on improving yourself. Subscribe to a gym membership and improve your fitness. Take an online class and improve your skills for work or your hobbies. Get certified in a skill related to your career and become more marketable.

### Stay within your budget 

Have you ever wanted to buy something so bad, but you couldn’t because it would break your budget? But because you give in to your impulsiveness brought about by instant gratification, you decide to buy it regardless of your budget. You then end up feeling guilty for breaking your budget for making the unnecessary purchase.

Should you ever come across this scenario, take the high road and stick to your budget. Remind yourself that it’s the better and happier choice to make in the long run. It will make you feel better that you stayed within your means.

Having the right money mindset can change the way you deal with your money–and happiness. Remember to apply these four purchasing habits when spending. While it’s not wrong to spend on everyday items, prioritizing what to spend on can spell the difference between being satisfied or being happy.

### Open a savings account

If having money sparks joy in you, then imagine the glorious feeling of checking your bank account and seeing savings with seven digits—or more! Consider enrolling in a savings account and saving for your everyday dose of joy and future happiness. Allow Metrobank to help you save and grow your happiness by opening a savings account today.

Don’t hesitate to contact us for any questions or inquiries on how to start a joy-sparking journey towards financial security.

Where do you spend the bulk of your income? Do you think it makes you happy, or are you looking for other areas to spend on that can spark joy?

Five purchasing habits for happiness

You have developed your own spending habits long before you decide on your financial goals. After all, you learn about money and how to spend it first before you decide what you want later in life.

While this isn’t necessarily a bad thing, developing bad money habits that prevent you from achieving your financial goals is going to be a problem. If you’re trying to be more practical with your money, here are five spending habits you need to develop.

### Spend with cash

One of the reasons many people go into heavy credit card debt is treating credit cards as extra cash you can spend, but not for what it is: debt. Swiping your credit card might feel nice because you don’t have to pay for anything at first. But when all these purchases add up and it’s time to pay, you do not have the funds to pay. So, you decide to pay the minimum amount, and thus begins the cycle of debt and interest that can be difficult to get out of.

What is the best way to track your money and how much you can spend? Spend with cash whenever possible. If you don’t have a good way of tracking your spending and your credit card payments, having a fixed amount of cash in your wallet can help you determine if you’re spending too much.

### Keep credit card use to 30%

Think of your credit usage ratio this way: how much credit card debt you have versus how much you can have. So, if you have a P100,000 credit limit on your card, and you currently have an existing debt of P30,000, then your usage rate is at the recommended limit of 30%, and here’s the reason it shouldn’t go any higher.

According to some financial experts, the ideal credit usage ratio should be [less than 30%.](https://www.thebalance.com/what-is-a-good-credit-utilization-ratio-960548)

In the United States, where a national credit score system is in place, a 30-percent ratio suggests that you are not being financially responsible, and are making purchases that you may not be able to afford and pay back in full. Should you decide to open a second credit card or take out a loan, this may reflect on your application. The Philippines has no national credit score system.

### Get a “Money Buddy”

Keep a close friend or family member as a trustworthy guide when making financial decisions. Ideally, this person should be financially responsible, meaning he or she should help you avoid making careless or impractical decisions about money.

Your money buddy should also prevent you from making impulsive purchases. With your money buddy, you have someone willing to remind and help you make better financial choices. However, in the end, you’re accountable for your own actions.

### Spend less than you earn

A simple but effective practice when it comes to money is spending less than you earn. For every paycheck or any form of income you receive, save a portion of it, and track your spending.

By spending less than you earn, these things can happen:

* You free up money for paying existing debts.
* You can begin a savings account from the money you did not spend;
* You can save up and invest for future expenses.

### Modify your “giving” budget

Among Filipinos, it’s common practice to spend money not just on yourself but for your immediate or extended family. While this is often a nice gesture, you have to weigh your financial health.

If you want to be practical about gifting, think about this: the money you spend for others should not come from a separate “giving budget” but from your own “lifestyle budget.”

So, if you have a budget of PHP 5,000 a month for discretionary expenses, you can choose to use this budget not only for your own entertainment but also to treat or reward a family member. It’s up to you how you want to split this expense between you and your family members. But do use this fund for gifts and “surprises” for the family.

Building these practical spending habits can indeed help you achieve your financial goals. In the end, it’s all about being responsible with your money and it starts with these simple money habits.

Open a [Metrobank Savings Account](https://metrobank.com.ph/save/savings) and enjoy meaningful banking today.

Filipinos build their spending habits long before they build their financial goals. Make sure you’re building good habits by adapting these five practical habits.

Five practical money habits

Life is full of unpredictable events. In the most unfortunate of circumstances, is your family ready to live without you? Life insurance is one of the best ways to protect your family after your untimely passing. However, most Filipinos are hesitant about investing. Healthy young adults are likely to think of the short-term, and not about insurance.

So, it helps to actually understand the importance of investing. Here are the five types of life insurance that Filipino adults need to know, so they can determine which one suits them best.


### Term Life Insurance

A term life insurance covers a limited number of years. If death occurs within the period before your policy expires, your beneficiary receives the benefit. The benefit depends on your insurance premiums.

But if the term life insurance ends and the policy remains untouched, you can renew your insurance for another limited term and stay covered until that term ends, or have the option to change your coverage from a limited term to a longer term, whole-life insurance, or terminate the policy.

Term insurance policy covers a few years, so premiums are more affordable than the whole-life insurance.

Term insurance is a good option for:

* Parents with young children
* Adults with dependents capable of earning income
* Business partners with new business ventures

**Why Term Life Insurance?**

Term life insurance is the best investment option for those who only need coverage for a specific amount of time. By the time their coverage ends, they believe that their beneficiaries would have become financially stable enough even after their passing.

The best group whose needs match this type of insurance are parents with young children. Let’s say that you are in your late-twenties and the parent of a newborn child. Should you pass away before your child can become a working adult, your savings and the income of whoever becomes your child’s guardian may not be enough to pay for your child’s future until they become adults.

But with term insurance, you’re protecting your child’s financial future in case you pass away before they can become independent and financially stable. Upon your demise, the death benefit can help your child’s guardian continue to provide for your child.

### Whole Life Insurance

Whole life insurance is the traditional life insurance most people know: you’re covered permanently and your policy will not expire as long as you pay your insurance premiums. Aside from the death benefit, your beneficiary will also be entitled to cash set aside and accumulated over time.

Best for:

* Parents of children with special needs
* Family breadwinners
* Adults with dependents incapable of earning income
* Married couples with outstanding debt
* Business partners

**Why Whole Life Insurance?**

Although whole life insurance is more expensive than term life insurance, the former is more practical in the long run.

Let’s say that you’re 25 years old, healthy—not smoking or drinking excessive alcohol, and in a career that has relatively low-risk workplace hazards. Insurance premiums are determined by the likelihood of your mortality, based on your age lifestyle and other health habits.

Now, if you’re 50 years old, you may have developed certain health conditions due to age and lifestyle. If you chose a whole life insurance, your premium will still be the same as it was 25 years ago, making it relatively low. And you’re still covering dependents with a layer of financial security—in case you pass away—in the form of both death benefits and the money set aside to grow for your dependents.

But if you chose a 25-year term life insurance, your coverage ends there. If you want to keep protecting your family, you’ll have to renew your policy. However, your premium will now change: instead of the premium established in your prime at the age of 25, you’re now assessed for your premium based on your state at the age of 50. By then, factors like your age and different lifestyle may increase your premiums—and you and your dependents don’t get anything else out of it apart from the death benefit.

### Endowment Insurance

Endowment insurance products offer savings and life insurance all in one go. It’s the best plan suited to those who want to save money for a large expense in the future. It is common for parents who want to save up for their children’s college funds, but it’s also an option for people saving up for expenses like home renovation, retirement funds, and other large expenses.

Best for:

* Parents who want to save up for their children’s education
* People saving for retirement
* People who want to save up for long-term goals

**Why Endowment Insurance?**

It’s not the most popular choice for savers since a portion of your premiums go to the cost of your insurance. But compared to other forms of savings, this provides all three: keeping your beneficiaries covered while still earning enough for the future.

### Variable Unit-Linked Life Insurance

Also known as VULs, this is a combination of variable life insurance—think whole life insurance, but instead of a growing savings account, you choose to take a gamble on the market by investing in different assets such as bonds, equities, etc.

So VULs are a whole life insurance policy, but it offers both flexible premiums and the ability to invest in the market. Like most investments, there’s a risk in case the market drops. But if you’re willing to take a chance on the market and let you and your beneficiaries cash-out much more than just the death benefit, it’s a good investment option.

Best for:

* People interested in investing and buying life insurance
* Young adults who want to take advantage of their low insurance premiums

**Why VUL Insurance?**

The latest numbers per [Statista](https://www.statista.com/topics/5581/insurance-industry-in-philippines) show that as of 2018, the insurance penetration rate in the Philippines is at around 3% (world average as of 2019 is 7.23%), which can be attributed to a number of factors. Typically considered a liability, it’s not seen as a profitable investment compared to high-return investment vehicles like stocks, bonds, and mutual funds. But VULs can provide both coverage for their loved ones in case of a fatal event while also providing an opportunity to benefit from the market.

### "Buy Term and Invest the Difference" (BTID) Insurance

Also known as BTID, it’s more of a strategy than a specific type of insurance. Earlier, we talked about how whole life insurance is better than term insurance if you’re thinking about long-term coverage to protect your family. Through BTID, you’re buying term life insurance instead of whole life insurance, because term life insurance premiums are more affordable, so you can use the money you saved to invest into other vehicles like mutual funds, stocks, and other investments to add to your portfolio.

Best for:

* Young professionals who want life insurance and profitable investments
* People who have dependents that can eventually find their own income

**Why BTID Insurance?**

BTID is a strategy that won’t work for everyone, so it’s important to weigh what it is you need out of your life insurance policy. For those with dependents who are unlikely to be independently financially stable after a typical term life insurance coverage, it’s not recommended that you use this strategy as a means to profit.

Let’s say that you invest in term life insurance for 25 years because you want your child to be financially secure in case of your death before they become working adults. Rather than buying whole life insurance, you may find that it’s more financially profitable for you to buy term life insurance and then use the difference in premiums to invest in other high-return investment vehicles.

For more information on life insurance options from AXA Philippines, you can visit https://metrobank.com.ph/protect-life

Not all types of life insurance fit the everyday person’s needs. Here are five kinds to help you choose the best policy for you and your loved ones.

Five life insurance types that match different Filipinos’ needs

**Effective October 18, 2021**

There will be a number of changes to the product features of the following Metrobank Unit Investment Trust Fund.

•	[Metro$ World Equity Feeder Fund](https://www.datocms-assets.com/26060/1629682096-amendment-uitf-product-features-10-18-21.pdf)

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on October 18, 2021.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until October 15, 2021 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to customercare@metrobank.com.ph.

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&nbsp;

**Effective June 14, 2021**


There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.


* [Metro Unit Paying Fund](https://www.datocms-assets.com/26060/1623301902-amendment-uitf-product-features-5-12-21.pdf)


The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on June 14, 2021.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until June 11, 2021 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to customercare@metrobank.com.ph.

---

&nbsp;

**Effective April 19, 2021**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* Metro Money Market Fund
* Metro$ Money Market Fund

View the amendment document[ here](https://www.datocms-assets.com/26060/1623301956-amendment-uitf-product-features-4-19-21.pdf).

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on April 19, 2021.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until April 16, 2021 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to customercare@metrobank.com.ph.

- - -

&nbsp;

**Effective January 25, 2021**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* [Metro Money Market Fund](https://www.datocms-assets.com/26060/1623301951-amendment-uitf-metro-money-market-fund-01-22-21.pdf)

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to customercare@metrobank.com.ph.

- - -

&nbsp;

**Effective November 25, 2020**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* [Metro$ World Equity Feeder Fund](https://www.datocms-assets.com/26060/1623302871-amendment-uitf-metro-dollar-world-equity-feeder-10-23-20.pdf)

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on November 25, 2020.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until November 24, 2020 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to customercare@metrobank.com.ph.

- - -

&nbsp;

**Effective December 01, 2020**

There will be a number of changes to the features of the following Metrobank PERA Unit Investment Trust Funds.

* [Metrobank PERA Money Market Fund](https://www.datocms-assets.com/26060/1623302905-amendment-uitf-pera-money-market-10-23-20.pdf)
* [Metrobank PERA Bond Fund](https://www.datocms-assets.com/26060/1623302934-amendment-of-uitf-pera-bond-fund-10-23-20.pdf)
* [Metrobank PERA Equity Fund](https://www.datocms-assets.com/26060/1623302966-amendment-uitf-pera-equity-fund-10-23-20.pdf)
 

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on December 01 2020.

In compliance with PERA Law, the PERA products may only be sold through an accredited PERA Administrator. For any concerns you may contact the PERA Administrator through the following:

ATRAM Trust Corporation (ATC)

Website: https://pera.seedbox.ph/

Email: pera.support@seedbox.ph

- - -

&nbsp;

**Effective October 21, 2020**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* [Metro Short Term Fund](https://www.datocms-assets.com/26060/1623303000-amendment-uitf-mstf-10-21-20.pdf)
* [Metro Unit Paying Fund](https://www.datocms-assets.com/26060/1623303045-amendment-uitf-mupf-10-21-20.pdf)
* [Metro Max-3 Bond Fund](https://www.datocms-assets.com/26060/1623303112-amendment-uitf-mm3-mm5-mbf-10-21-20.pdf)
* [Metro Max-5 Bond Fund](https://www.datocms-assets.com/26060/1623303112-amendment-uitf-mm3-mm5-mbf-10-21-20.pdf)
* [Metro Balanced Fund](https://www.datocms-assets.com/26060/1623303112-amendment-uitf-mm3-mm5-mbf-10-21-20.pdf)
* [Metro Aspire Bond Feeder Fund](https://www.datocms-assets.com/26060/1623303301-amendment-uitf-aspire-bond-10-21-20.pdf)
* [Metro Aspire Balanced Feeder Fund](https://www.datocms-assets.com/26060/1623303347-amendment-uitf-aspire-balanced-10-21-20.pdf)
* [Metro Aspire Equity Feeder Fund](https://www.datocms-assets.com/26060/1623303381-amendment-uitf-aspire-equity-10-21-20.pdf)

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on October 21, 2020.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until October 20, 2020 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to tbg.customercare@metrobank.com.ph.

- - -

&nbsp;

**Effective August 26, 2020**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* Metro$ Money Market Fund

View the amendment document [here](https://www.datocms-assets.com/26060/1623303412-amendment-uitf-product-features-8-26-20.pdf).

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on August 26, 2020.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to **tbg.customercare@metrobank.com.ph**.

- - -

&nbsp;

**Effective September 23, 2020**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* Metro Money Market Fund
* Metro Corporate Bond Fund

View the amendment document [here](https://www.datocms-assets.com/26060/1623303448-amendment-uitf-product-features-9-23-20.pdf).

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on September 23, 2020.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until September 22, 2020 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to **tbg.customercare@metrobank.com.ph**.

- - -

&nbsp;

**Effective August 19, 2020**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* Metro Equity Fund
* Metro Philippine Equity Index Tracker Fund
* Metro High Dividend Yield Fund
* Metro Aspire Equity Feeder Fund
* Metro$ World Equity Feeder Fund

View the amendment document [here](https://www.datocms-assets.com/26060/1623303484-amendment-uitf-product-features-8-19-20.pdf).

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on August 19, 2020.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until August 18, 2020 to withdraw their investments.

If you would like to request for assistance or a copy of your Declaration of Trust, please speak to any Metrobank branch officer or send an email to **tbg.customercare@metrobank.com.ph**.

- - -

&nbsp;

**Effective March 23, 2020**

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds.

* [Metro Aspire Bond Feeder Fund](https://web.metrobank.com.ph/ViewImage.asp?id=5380)
* [Metro Aspire Balanced Feeder Fund](https://web.metrobank.com.ph/ViewImage.asp?id=5378)
* [Metro Aspire Equity Feeder Fund](https://web.metrobank.com.ph/ViewImage.asp?id=5376)

The amendments were approved by the Bangko Sentral ng Pilipinas (BSP) and will take effect on March 23, 2020.

In line with BSP regulations, all investors of these funds who are not in agreement with the changes have until March 20, 2020 to withdraw their investments.

There will be a number of changes to the features of the following Metrobank Unit Investment Trust Funds, latest is effective June 14, 2021.

Amendments to Unit Investment Trust Fund product features

Metropolitan Bank & Trust Company (Metrobank) Board Committees

**Executive Committee (EXCOM)**

The EXCOM shall act by majority vote of all its voting members as defined below. The EXCOM shall primarily review and approve credit proposals and credit policies within its authority and limits as well as provide recommendations or conditions to lending. The EXCOM may also act on other matters as delegated by the stockholders, and the Board of Directors (BOD) within its competence and in accordance with the By-Laws of the Bank.

[Learn more about the EXCOM](https://www.datocms-assets.com/26060/1628652326-excom-membership-and-charter-2020.pdf)

**Anti-Money Laundering Committee (AMLACOM)**

The AMLACOM is a Board-level Committee is tasked to assist the BOD in fulfilling its oversight responsibility for the implementation of Metrobank’s Money Laundering and Terrorist Financing Prevention Program (MTPP).

The AMLACOM’s objective is to take a risk-based approach to prevent Metrobank from being used to facilitate illegal activity, and ensure continued compliance with the provisions of the Anti-Money Laundering Act (AMLA), as amended, its Revised implementing Rules and Regulations (RIRR), Bangko Sentral ng Pilipinas (BSP) regulations, and all local anti-money laundering regulations in countries in which Metrobank operates.

[Learn more about the AMLACOM](https://www.datocms-assets.com/26060/1626081756-anti-money-laundering-committee-charter.pdf)

**Audit Committee (AUDITCOM)**

As an extension of the BOD, the AUDITCOM shall assist the BOD in fulfilling its statutory and fiduciary responsibilities, enhancing shareholder value, and protecting shareholders’ interest through (a) effective oversight of internal and external audit functions, (b) transparency and proper reporting, (c) compliance with laws, rules and regulations; and code of conduct, and (d) adequate and effective internal controls.

The AUDITCOM shall be responsible for overseeing the Senior Management in establishing and maintaining an adequate, effective and efficient internal control framework. It shall ensure that systems and processes are designed to provide assurance in areas including financial reporting, monitoring compliance with laws, regulations and internal policies, efficiency and effectiveness of operations, and safeguarding of physical and information assets.

[Learn more about the AUDITCOM](https://www.datocms-assets.com/26060/1626249132-audit-committee-charter.pdf)


**Corporate Governance and Compensation Committee (CGCCOM)**

The CGCCOM shall assist the BOD in fulfilling its corporate governance responsibilities and in providing oversight in the implementation of the Bank’s Compliance System. The committee is tasked with establishing a formal and transparent procedure in determining the remuneration of directors and officers that is consistent with the Bank’s culture, strategy, business environment, and industry practice.

[Learn more about the CGCCOM](https://www.datocms-assets.com/26060/1629341788-cgccom-charter-as-of-august-2021.pdf)

**Information Technology Steering Committee (ITSC)**

On behalf of the BOD, the ITSC provides governance and oversight in the management of the Bank’s information technology (IT) resources. Its principal function is to ensure that IT strategies are consistent with the overall business objectives. It shall have oversight of the IT Risk Management Program of the Bank and the development of policies, controls, and specific accountabilities consistent with the Bank’s IT Risk Management Framework.

As delegated by the BOD, it shall also approve IT-related requests and other IT-related services/arrangements, including outsourcing/insourcing activities. It should regularly render periodic report to the BOD regarding overall IT performance, status of major projects and other significant issues related to IT risks.

[Learn more about the ITSC](https://www.datocms-assets.com/26060/1623380810-it-steering-committee-2021.pdf)

**Nominations Committee (NOMCOM)**

The Committee shall review and evaluate the qualifications of all persons nominated to the board as well as those nominated to other positions requiring appointment by the BOD.

[Learn more about the NOMCOM](https://www.datocms-assets.com/26060/1626082310-nomcom-charter.pdf)

**Overseas Banking Committee (OBCOM)**

The Overseas Banking Committee shall assist the BOD in its oversight functions over the operations and financial performance of the overseas branches and subsidiaries, and Metrobank expatriates assigned in countries without foreign office but with remittance tie-up arrangement, their compliance with the rules and regulations of their respective host countries and their adherence to the parent Bank’s business and corporate governance policies as prescribed by the Bangko Sentral ng Pilipinas and the Philippine Securities and Exchange Commission.

[Learn more about the OBCOM](https://www.datocms-assets.com/26060/1623381199-obcom-charter-2021.pdf)

**Related Party Transactions Committee (RPTC)**

A Board-level Committee tasked to ensure that Bank’s transactions with related parties are reviewed to assess risks and are subject to appropriate restrictions to ensure that such are conducted at arm’s-length terms and that corporate and business resource of the Bank are not misappropriated or misapplied.

[Learn more about the RPTC](https://www.datocms-assets.com/26060/1623382194-rptc-charter-updated-as-of-october-2020.pdf)

**Risk Oversight Committee (ROC)**

The ROC is a Board-level committee of the Bank. As the extension of the BOD, the ROC is primarily responsible for the development, and oversight of the risk management framework of the Bank, its affiliates, and subsidiaries (collectively, the Group), and its Trust Banking arm.

[Learn more about the ROC](https://www.datocms-assets.com/26060/1625469183-risk-oversight-committee-charter-as-of-june-2021.pdf)

**Trust Committee (TRUSTCOM)**

The Trust Committee is a special committee which reports directly to the BOD and is primarily responsible for overseeing the fiduciary activities of the Bank.

[Learn more about the TRUSTCOM](https://www.datocms-assets.com/26060/1623382144-trustcom-charter-2020.pdf)

Learn more about the Metropolitan Bank & Trust Company (Metrobank) Board Committees.

Metrobank Board Committees

Metropolitan Bank & Trust Company (Metrobank) Manual on Corporate Governance in compliance with BSP and SEC's Corporate Governance Guidelines.

**2021**

[2021 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1629281347-corporate-governance-manual-2021.pdf)

**2020**

[2020 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1623286425-mbtc-corporate-governance-manual-as-of-2020.pdf)
 
**2019**

[2019 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1623286613-mbtc-corporate-governance-manual-as-of-2019.pdf)

**2018**

[2018 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1623286599-mbtc-corporate-governance-manual-as-of-2018.pdf)

**2017**

[2017 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1623286584-mbtc-corporate-governance-manual-as-of-2017.pdf)

**2016**

[2016 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1623286575-mbtc-corporate-governance-manual-as-of-2016.pdf)

**2015**

[2015 Manual on Corporate Governance](https://www.datocms-assets.com/26060/1623286631-mbtc-corporate-governance-manual-as-of-2015.pdf)

Metropolitan Bank & Trust Company (Metrobank) Manual on Corporate Governance in compliance with BSP and SEC's Corporate Governance Guidelines. 

Metrobank Manual on Corporate Governance

Metrobankdirect Personal is closing permanently on October 18, 2021. Please upgrade to the new Metrobank Online to avoid any inconvenience of setting up a new account.

**With the upgrade to Metrobank Online, remember these important dates:**

From October 18 to November 7

* Metrobankdirect Personal is inaccessible. You are redirected to Metrobank Online where you can still use your existing username and password.
* Upgrade to Metrobank Online at this time.

From November 8 onwards

* Metrobankdirect Personal profiles are automatically deleted. Your login credentials will no longer be valid.
* If you cannot upgrade to Metrobank Online, you must [sign up](https://metrobank.com.ph/articles/mbo-signup) and create a new account.

**Follow these steps to begin your upgrade:**

![MBO-How To](https://www.datocms-assets.com/26060/1623282097-article-page-migration-steps-body-image-1.png "MBO-How To")

Your accounts, billers, and beneficiaries are auto-enrolled to Metrobank Online as soon as you move to Metrobank Online.

Make sure that you also have the mobile number and email address that you used to open your account.

**IMPORTANT NOTES:**

Some features you enjoyed on the Metrobankdirect Personal system are continuously being added into Metrobank Online.

* We are working on making the Tax payment facility available for you soon
* Viewing of transaction history is currently up to 30 days but we are working to make it up to 90 days.

After you log in and start using the new system, you will not be able to access these features until they become available. You will also not be able to log back into the Metrobankdirect Personal system after moving to Metrobank Online.

Check the e-mail from info@communications.metrobank.com.ph for the full details and the last day of your access to the Metrobankdirect Personal platform. To know how to upgrade to the new Metrobank Online, please watch the [video](https://youtu.be/E5QFUAxl25E).

To learn more about Metrobank Online and its features, go to  https://metrobank.com.ph/mbonline

As we upgrade your online banking experience to the new Metrobank Online, we are shutting down Metrobankdirect Personal.

Metrobankdirect Personal closes on October 18, 2021

Know how you can achieve greater potential with the investment that allows you to access global markets with your Philippine Pesos. 

Get ready to diversify your portfolio and join this webinar that introduces the Metro Multi-Themed Equity Fund of Funds.
 
“Invest in Global Markets with your Philippine Pesos” webinar is on Wednesday, August 18, 2021 at 2:00 PM

The investment experts, **Christina Kautzky**, Head of Distribution, Non-Japan Asia, Asset Management from Credit Suisse and **Darius Foo**, Head of Intermediary Business Development from **Nikko AM**, share their insights on global themes that are timely and relevant.

**Limited to 1,000 participants only.**

[Click this link to register for the event via WebEx Meetings](https://metrobank.webex.com/metrobank/j.php?RGID=r71bb0fea594cf82265285c088821b2fe)

&nbsp;

## HOW TO REGISTER:

1. In the WebEx registration page, click _Register_ which is in line with the Event Status.
2. Fill in the fields with your full name and email address, then click _Submit._
3. You will get an email from messenger@webex.com, acknowledging your registration.
4. After you receive the first email acknowledgment, you’ll receive a second email from messenger@webex.com within 24 hours or the next working day. This email will contain your unique and assigned Registration ID number. _Please note that this can only be used once._

&nbsp;

## HOW TO USE WEBEX:

On a laptop or desktop, you can download WebEx using the following browsers:

* For **Google Chrome**, [click this link](https://chrome.google.com/webstore/detail/cisco-webex-extension/jlhmfgmfgeifomenelglieieghnjghma?hl=en) to download.
* For **Firefox**, [click this link](https://addons.mozilla.org/en-US/firefox/addon/cisco-webex-extension/) to download.

On a tablet or mobile device, download the Cisco WebEx Meetings App from the Apple App Store for iOS and Google Play for Android. If prompted for a password, please enter **“mbwebinar”**.

&nbsp;

## HOW TO JOIN:

1. From the registration approval email, click _Join Event_ or open the attached file with the browser icon.
2. Once you are in the event landing page, click _Join Now_. DO NOT click Join via browser.
3. Allow WebEx to use your audio and video connection.

The Metrobank webinar “Invest in  Global Markets with your Philippine Pesos” discusses how you can access global markets with your Philippine Pesos and achieve greater potential.

Invest in Global Markets with your Philippine Pesos

Introducing Metrobank’s newest investment offer, the Metro Multi-Themed Equity Fund of Funds.

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This product lets you invest your Philippine Pesos in global markets through funds with relevant themes that have the potential to gain long-term above-market returns.

**Benefits**

**Convenient** - Use your Philippine Pesos to access global markets and industries with high growth potential.

**Professionally Managed** - Experienced fund managers aim to achieve above-market returns over the long term for you.

**Diversified** - Diversify your portfolio through strategic investments in global equities with timely themes.

Learn more about Metro Multi-Themed Equity Fund of Funds by downloading this file:

<div class="iframe_container">
<iframe src="https://heyzine.com/flip-book/a7ddacf2e3.html" frameborder="0" allowfullscreen="allowfullscreen"> </iframe>
</div>

&nbsp;

- - -

_UITF is not a deposit product and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Prospective clients undergo a profiling process to determine their suitability to invest in a particular UITF based on their investment objectives and risk tolerance. Returns cannot be guaranteed and historical NAVPU is for illustration of NAVPU movements/fluctuations only. When redeeming, the proceeds may be worth less than the original investment and any losses will be solely for the account of the client. The value of investments may be affected by fluctuations in the exchange rates of securities in a different currency other than the base currency of the Investor Fund. The Participants should note that the Fund is denominated in Philippine Peso and will be invested in a US dollar denominated share class of the Target Fund. The foreign currency position of the Investor will not be hedged. The trustee is not liable for any loss unless upon willful default, bad faith or gross negligence. Metropolitan Bank and Trust Company is regulated by the Bangko Sentral ng Pilipinas (BSP)._

_For any inquiries and complaints relating to Trust Products and Services you may call our hotline at (632)88-700-700 or send an email to customercare@metrobank.com.ph._ 

_You may also file complaints at BSP Financial Consumer Protection Department at (632)8708-7087 or consumeraffairs@bsp.gov.ph. To know your rights under BSP Circular No. 857 (Regulations on Financial Consumer Protection), please access a copy at the BSP website (bsp.gov.ph)._

Find everything you need to know more about Metro Multi-Themed Fund of Funds here.

Updated Interbank Fund Transfer Limit

Help & Support

How may we help you?