Introducing Family Accounts.
We help you create, grow and manage wealth for the next generation.
From ₱100,000. No lock-in.
How it works.
One household, one place to run it. The parent account sets up and oversees an account for every member.
Set up the parent account
The parent account is your household’s home base. Every other account is created, funded and managed from here.
Open a joint account for each member
Add your members as it's own separate account, held jointly with the parent account — spouse, child or grandchild, each in their own name.
Fund any account on their behalf
Top up your own account or anyone else’s from one place. Put money where it is needed without switching logins or profiles.
Tailor the investment per account
Choose a focus for each account. Dividends for income, growth, or a mix of both — so every plan fits the person who holds it.
How it compares to property.
For building and handing down family wealth, the trade-offs line up like this.
| Criteria | AAA Robo Account | Property investment |
|---|---|---|
| Liquidity | HighSell on any trading day and receive the proceeds in about two days. | LowSell whole property which can take months or years. |
| Divisibility | YesDivide funding across each member’s account, down to the peso. | NoOne title, shared among co-owners who all have to agree. |
| Fees & taxes | Low1% a year, and no capital gains tax on shares sold on the exchange. | HighCapital gains tax on sale, estate tax at transfer, plus ongoing upkeep. |
| Volatility | Medium to highShare prices move day to day. | LowPrices move slowly and are rarely marked to market. |
Tax figures are general information under current Philippine law, not tax or legal advice, and can change. Shares sold on the exchange pay a 0.6% stock transaction tax in place of capital gains tax. Estate tax applies to whatever a person still holds at death, shares included; families use lifetime transfers to reduce what passes through the estate.
Two plans, both professionally managed.
Passive Income Plan
Invest in the best dividend paying companies.
See the planSmart Momentum Quant
Follows the exchange’s strongest trending stocks for long term growth.
See the planYour shares are held in your own name at AAA Southeast Equities, a member of the Philippine Stock Exchange.
Start building your family's legacy.
About five minutes. Two valid IDs, a selfie and a digital signature.