Top Performing & Best Mutual Funds in the Philippines for 2025

With dozens of mutual fund companies offering hundreds of funds, finding the best mutual funds in the Philippines for 2025 can feel like finding a needle in a haystack. Do you go for the safety of bonds, or do you ride the potential bull run in the stock market?

If 2025 taught us anything, it’s that the market rewards patience. After a rollercoaster of recovery, Filipino investors are entering 2026 with a renewed appetite for growth.

But here is the million-dollar question: Where should you put your money this year?

In this guide, I’ve cut through the noise. We’ve analyzed the heavyweights to bring you the top performer, not just based on lucky short-term spikes, but on consistency, management quality, and accessibility for the average Pinoy investor.

Disclaimer: Investments involve risk. Past performance is not a guarantee of future returns. The “best” fund for you depends on your risk tolerance and timeline, not just the highest percentage on a chart.

How We Chose the Winners

To create this list, we didn’t just look at who had the highest return last month. We evaluated funds based on three critical “Juan Investor” criteria:

Quick Comparison of Mutual Funds: The Cheat Sheet

Best for: Long-term investors (5+ years) who want to own the biggest companies in the Philippines (SM, Ayala, BDO).

If there is a “gold standard” for active management in the Philippines, this is it. Managed by the legendary team at Philequity, this fund has historically outperformed the Philippine Stock Exchange Index (PSEi) over long time horizons.

They are aggressive when they need to be and defensive when the market turns sour. If you believe the Philippine economy will grow in 2026, this is the best vehicle to ride that growth.

You cannot talk about mutual funds without mentioning Sun Life. This fund is a giant in terms of Assets Under Management (AUM).

Stability and reputation. While it may not always have the explosive agility of smaller funds, it provides steady, reliable exposure to the country’s top corporations.

“If you can’t beat them, join them.” This fund simply tracks the PSEi. It has lower management fees than actively managed funds, meaning more of your money stays invested. It’s perfect for the “set it and forget it” investor.

Best for: Investors who want cash flow or are afraid of high volatility.

This fund has taken the investing community in the Philippines by storm. Why? Monthly Dividends. Unlike traditional funds where you only earn when you sell, this fund pays out cash dividends directly to your account every month. It invests in global assets (dividend stocks, bonds, REITs), giving you instant diversification outside the Philippines.

Note: ALFM Global Fund is available in both PHP and USD classes.

Philequity Dividend Yield Fund specifically targets Philippine companies with high dividend yields (like PLDT, Globe, and REITs). It’s a great defensive play even if stock prices don’t go up much. The dividends from the underlying companies provide a cushion.

If you are scared of the stock market but hate the 0.01% interest rate of your bank, park your money in ALFM Money Market Fund. It invests in short-term safe assets. It’s highly liquid and consistently beats savings accounts.

Best for: Investors who want to own global giants like Apple, Microsoft, Tesla or NVIDIA.

Stop limiting yourself to the Philippines. The World Voyager fund allows you to invest in global markets (US, Europe, Japan) without needing a dollar account.

It’s the easiest way for a Filipino to diversify globally. If the Philippine market is stagnant in 2026, this fund allows you to profit from growth in other countries.

(Note: Often structured as a UITF, but accessible on platforms like GInvest)

If you believe in the future of AI and Big Tech, this is your fund. It is high risk/high reward. When tech booms, this fund soars; when tech crashes, it drops hard.

Best for: Experienced investors willing to take risks for maximum gains.

This fund doesn’t just hug the index. The managers actively hunt for “Alpha” stocks that are mispriced or have massive upside potential (sometimes including small-cap or second-liner stocks).

The Catch: It can be volatile. But if you want a fund that tries to beat the market aggressively, this is a strong contender.

How to Buy These Mutual Funds

You don’t need to visit the offices of these companies. You can buy 90% of these funds online right now:

1. COL Financial (COL Fund Source): If you have a COL account, click the “Mutual Fund” tab. No sales load (entry fee) for most funds.
2. First Metro Sec (FundsMart): Similar to COL, they offer a wide supermarket of funds.
3. GCash (GInvest): The easiest way to buy ATRAM and BPI-managed funds. Perfect for beginners starting with ₱1,000.
4. Maya (via Investa Funds or Seedbox Funds): Minimum investment is ₱50 for local funds or ₱1,000 for global funds.
5. Direct: You can open an account directly with Sun Life or Philequity if you prefer having a dedicated agent to guide you.

FAQ

Conclusion

The best mutual funds in the Philippines for 2026 aren’t necessarily the ones that doubled in value last year. They are the ones that align with your goals.

• If you want safety, go for ALFM Money Market.
• If you want income, look at ALFM Global Multi-Asset Income.
• If you want growth and have 5+ years to wait, Philequity or Sun Life Equity funds remain the kings of the hill.

Which fund is in your portfolio for 2026? Let us know in the comments below!