Managing your finances can feel overwhelming at times. It’s no easy thing to stay within your budget while also trying to save and invest on the side. This is why it is important that you’re knowledgeable with different financial instruments available in the market to help you earn passive income and push you further in your journey towards financial success. 

In this article, we’ve gathered some of the most innovative investment tools you can utilize, and different funds in which you can invest to level up your financial game plan. 

Key Takeaways 

• Explore a variety of investment tools that can help enhance your savings and grow your money. 
• Discover how a VUL plan like AXA’s Vision Achiever can elevate your financial strategy by combining investment growth with life protection. 
• Curious about which funds match your investor profile? We’ve listed some options to help you identify whether you're a conservative, balanced, or an aggressive investor. 

In today's digital age, we have easy access to a wide range of financial instruments to help build a strong portfolio. The more diverse your portfolio, the more robust and resilient it becomes against financial shocks. For starters, you can explore these smart financial tools designed to grow your investments: 

1. MP2 Savings – A government-backed savings program offered by the Pag-IBIG Fund that provides tax-free annual dividends, with the option to compound your earnings over time. 
2. Digital Banks – Innovative banking platforms that offer competitive interest rates, user-friendly interfaces, and seamless money management, all accessible through your smartphone. 
3. Time Deposits – Fixed-term savings accounts that typically offer higher interest rates than regular savings accounts, ideal for low-risk, short- to medium-term goals. 
4. Unit Investment Trust Funds (UITFs) – Professionally managed investment pools that allow you to invest for as low as ₱5,000, giving you access to diversified portfolios without the need for active management. 
5. Variable Unit-Linked (VUL) Plans – Insurance products with built-in investment components, offering both financial protection and the opportunity to grow your money.  

With so many financial options available today, it’s easy to wonder where to start. You're probably asking yourself: Should I focus on growing my money first or securing insurance for peace of mind? It’s a common dilemma, and with so many options out there, it’s easy to feel overwhelmed. The good news is you don’t have to choose—you can do both with the right financial plan. 

VUL plan as a smart tool to your financial game plan 

One smart way to achieve both, especially if you’re thinking long-term, is through a Variable Unit-Linked (VUL) plan. It combines life insurance protection with investment opportunities, giving you the dual advantage of financial protection for your loved ones and wealth growth potential. 

Because the truth is, there’s no guaranteed formula for which investment will perform best. That’s why diversifying your portfolio matters—it helps minimize risk while giving you the chance to maximize returns.  

Just recently, AXA Philippines launched its newest VUL plan, Vision Achiever. Designed for go-getters like you, this plan offers access to local and global funds, which are managed by fund experts. With this, you don’t need to open a brokerage account, look for a broker, or buy individual stocks—because your insurance plan does all the hard work for you. 

List of funds which you can invest in 

With AXA’s Vision Achiever, you gain the power to tap into the growth potential of top-performing local and global companies, offering a range of investment options. Whether you're a cautious, balanced, or an aggressive investor, there's a fund designed to match your risk appetite: 

Here are some of the funds you can invest in through Vision Achiever: 

For Cautious and Conservative Investors  

Opt for low-risk instruments such as money market placements or fixed-income funds. Examples include:  

• AXA Philippine Wealth Bond Fund- Invests in interest-bearing securities issued by the Philippine Government and money market instruments issued by banks. 
• AXA Premium Bond Fund- Delivers moderate returns and liquidity through US Dollar time deposits and top-rated government bonds. 

For Balanced Investors  

To those seeking moderate growth with controlled risk, consider a mix of government securities and equity investments. Examples include:  

• AXA Philippine Wealth Balanced Fund- Invests in bonds issued by the Philippine government and equities issued by Philippine corporations comprising the Philippine Stock Exchange Index. 
• AXA Global Dynamic Allocation Fund (Multi-Asset)- Provides access to a diversified portfolio of fixed income and equities securities spread across five major regions in the world maintaining a moderate level of portfolio risk. 

For Growth-Oriented and Aggressive Investors  

If you're aiming for high returns and are comfortable with market volatility, explore equity funds that invest in dynamic sectors and regions. Examples include:  

• AXA Global Advantage Fund – Aims to provide investment returns corresponding to the general performance of the 100 largest and most active non-financial stocks in the US, which includes Apple, Microsoft, and Meta Platforms.  
• AXA Global Edge Equity Fund – Aims to provide investors with long-term capital growth by investing in diversified companies that have sound management teams and sustainable competitive advantages. 

To learn more about AXA’s range oflocal and global funds, visit AXA Philippines.

With so many investment instruments available in the market today, it’s practical to choose a solution that offers not just growth but also protection. Given the risks that come with investing, it’s reassuring to know that there’s a guaranteed way to keep your loved ones financially secured no matter what happens. 

Know you can amplify your financial strategy and make a smart move today with a Variable Unit-Linked plan like Vision Achiever. 

To learn more about Vision Achiever and the wide range of funds you can invest in, talk to an AXA Financial Partner today and take the next step toward securing your financial future. 

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