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GINTONG SIKAP SECURE FUND (GSSF)

The Gintong Sikap Secure Fund is a Unit Investment Trust Fund that provides the investor with higher earnings from a diversified portfolio of high-grade government securities, money market securities, and other highly marketable fixed income instruments. The GSSF intends to achieve for its participants growth on their investment through pooled fund investments to provide a better yield than invested individually.

How can I invest in the GSSF

Participation in the GSSF is through units. The GSSF will initially be offered at P1 per unit. Your investment will be converted into units. (Ex. P100,000.00 / P1 = 100,000 units). No rate or term will be provided. All participations will be in units

Basic Features

Currency	:	Philippine Peso
Minimum Investment	:	P500.00
CurrencyAvailability for investment(Day/Time)	:	Every banking day from 9:00 - 11:00 AM. Investment received by the Trustee on or before the cut-off time of 11:00 A.M. shall be considered as transaction for the day. However, investment after the cut-off time shall be considered as transaction for the next applicable banking day.
Minimum Holding Period	:	None

Where will the funds of GSSF be invested?

The GSSF fund will be invested in the following:

1. Securities issued or guaranteed by the Philippine government, Bureau of the Treasury, Bangko Sentral ng Pilipinas and other government agencies like, Treasury bills, Treasury Notes and Bonds
2. Banks Deposits and Commercial Papers of prime corporations and of DBP's accredited Financial Institutions.
3. Equities - purely Blue Chip Stocks. (10% of NAV)

How will my investment be valued then if there is no rate and term to be provided?

GSSF Investment shall be valued daily based on the prevailing market value of the underlying investment of the funds. Under this valuation, the Net Asset Value of the Investment (Aggregate Market Value of the investment using the marked-to-market as basis of valuation) less expenses (fees, taxes & qualified expenses) divided by the total number of units, the resulting figure is what we call the Net Asset Value per Unit or NAVpu. The NAVpu will be the basis for computing the units and value of investment upon admission and redemption respectively.

In case of fortuitous event, valuation or determination of NAVpu may be suspended.

Sample computation:

Admission:
Initial investment - P100,000.00
NAVpu on date of admission - P1.00
Units bought - 100,000 units (P100,000.00 / P1.00)

Redemption:
Units bought - 100,000 units
NAVpu on date of redemption - P1.05
Redemption Value - (100,000 unit x P1.05) P105,000.00

Any income or loss arising from market fluctuations and price volatility of the securities held by the Fund, even if invested in government securities, is for the account of the investor. As such, units of participation of the investor in the UITF, when redeemed, may be worth more or be worth less than his/her initial investment/contributions

What is my evidence of participation in this kind of investment?

The following are the documents to be signed and provided by DBP-Trust Services:

1. Trust Agreement (one time)
2. Certificate of Participation (indicating the amount invested and the corresponding units purchased)

Is my investment in the GSSF insured by PDIC just like a bank deposit?

The UITF is NOT a DEPOSIT and not insured by PDIC. Due to the nature of the investments, yield and potential yields cannot be guaranteed. 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. As such, units of participation of the investor in the UITF, when redeemed, may be worth more or less than his/her initial investment/contributions. Historical performance, when presented, is purely for reference purposes and is not a guarantee of future results. The Trustee is not liable for losses, unless upon willful default, bad faith or gross negligence.

Can anyone invest in the GSSF?

Yes, this is open to any person or individual or juridical entities. We are particularly encouraging the Overseas Filipino Workers (OFW) to invest in the GSSF as our way of helping them to save and prevent them from becoming victims of investment scams.

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