PHILAM PLANS PANGARAP PENSION PLAN Pangarap mo, sagot ko! The Philam Plans Pangarap Pension Plan is an affordable, basic pension fund that supplements the monthly retirement allowances (from either company or government or both) that the common Filipino depends on upon retirement. This plan will provide the necessary financial means to help fill in the gap between daily living expenses and the current sources of retirement allowances sustaining his basic living expenses, as well as have funds set aside for health care needs and occasional recreational expenses. For added security, the client has the option of choosing insurance benefits to include in his plan.

A client purchasing the Philam Plans Pangarap Pension Plan should be able to say, “Hindi ko na kailangang mag-alala sa buhay ko kapag ako’y nagretiro na. Salamat sa suportang handog ng Philam Plans Pangarap Pension Plan!"

PHILAM PLANS FUTUREFUND PENSION PLAN. Plan Ahead and Reap Your Rewards!

The PHILAM PLANS FUTURE FUND PENSION PLANS are the Philippines’ best-selling pension funds for five years in a row! Their wide acceptance is largely due to the superior features and benefits that these pension funds provide to any and all needs of Filipino families everywhere. Their flexibility and application practically ensure that there is a FutureFund that meets your every need --- from savings protection to retirement benefits. It is no wonder why FutureFund is the standard of all pension products!

PENSION TYPES

FutureFund	A savings protection package with basic insurance coverage. It is available to all individuals.
FutureFund Plus	This superior savings plan provides a comprehensive array of insurance benefits on top of its pension features. It is for insurable individuals who wish to avail of the protection the plan provides.
FutureFund Prime	The top-of-the-line pension fund of Philam Plans provides a lifestyle-oriented and complete package with early returns. It provides yearly cash benefits from the 10th year prior to the plan maturity. This allows the planholder access to early benefits and the flexibility to enjoy these. The product is open to all planholders.

PENSION PROGRAMS (FutureFund & FutureFund Plus):

PROGRAMS	YEARS TO PAY	YEARS TO MATURE
5/10	5	10
5/15	5	15

PENSION PROGRAMS (FutureFund Prime):

PLAN DETAILS

Pension Programs

Pension Programs

Maturity Benefit
The guaranteed amount payable to the planholder on the Maturity Date of the chosenPension Program.

Early Retirement Benefit
The lump sum value of the Maturity Benefit plus interest earned will be paid if the planholder wishes to withdraw his/her Maturity Benefit before reaching age.

Monthly Retirement Benefits
The monthly interest payments (earned from the Maturity Benefit) to be given to the planholder until his/her death; interest rate is based on the prevailing market rates at the time of payment.

Inheritance Fund
The lump sum value of the Maturity Benefit to be given to the lanholder’s beneficiaries upon his/her death.

Total Retirement Benefit
The sum of all monthly retirement benefits plus the inheritance fund.

Modes of Payment
Annual, Semi-annual, Quarterly & Monthly.

FutureFund Power

Future Fund Power is a sound investment program that enables the planholder to enjoy financial freedom. It creates the opportunity of fulfilling the planholders’ retirement goals in more ways than you have imagined. The only investment package that allows the planholder to enjoy the rewarding benefits of a pension plan plus the potential high returns of a mutual fund. It has two components, Future Fund Plus and Philam Balanced Fund (by Philam Asset Management Incorporated).