What “we’ve got this”
actually means.
A Robo Advisor account is an automated managed stock portfolio investing in the Philippine Stock Exchange.
Investor4 easy steps.
- Open the account. About five minutes.
- Pick a theme, or both.
- Fund it and allocate funds to the plan.
- Freely withdraw money out on any trading day.
Our analystsHow the humans work.
- Research the exchange’s listed companies and keep only the established ones.
- Write each plan’s rules and criteria: what to hold, at what weight, when to rebalance.
- Review the algorithm and improve.
The planHow the robo works.
- Reads prices and measures drift.
- Buys, sells and rebalances only as needed.
- Reinvests dividend and cash when available.
- Notifies the investor on any action for transparency.
No lock-in. Low Fees.
A robo advisor explained
A program that builds and runs a stock portfolio based on a written strategy. It does the buying, the rebalancing and the reinvesting for you, its like having your own personal fund manager, without the high fees.
People
Our in-house analysts research listed companies and decide which ones qualify for each plan. Only established companies with a record make the list.
Plans
Each plan is a written strategy with a goal. Passive Income holds the exchange’s steadiest dividend payers. Smart Momentum Quant follows its strongest trends. More are being written, so there are more ways to invest than dividends alone.
Algorithm
The robo does everything after that: sizing, buying, the daily check, rebalancing, reinvesting. It adapts as the market moves. Nothing waits for you to log in.
What to expect
It will move every day
Daily market movement is normal. Your portfolio will go up and down with sectors, the economy and events overseas. The plan is built for years, not weeks.
You can change your mind
Move your money between plans, or hold it as cash until you are ready to reinvest. Your strategy can change as your goals do.
Money comes out in days
If there is cash in the account a withdrawal is paid in one to two days. If shares have to be sold, around 3 days. Always to your linked bank account.
The market risk is still real.
What can go wrong
All investments carry risk, including the loss of capital. Even carefully chosen stocks rise and fall with the economy, an industry, or one company’s results.
No return is guaranteed. Past dividends are a record, not a promise.
What the plan does about it
It holds a diversified basket of companies, not one. It checks the portfolio every trading day and rebalances when a holding drifts from its target. Smart Momentum Quant re-ranks every quarter and drops the stocks that have lost their trend.
None of that removes the ups and downs. It is built for long-term growth and for staying the course.
The fees, next to a mutual fund’s
AAA Robo Advisor account works much like a mutual fund, except your money is not pooled with strangers.
| AAA Robo Advisor | Mutual funds | |
|---|---|---|
| Minimum to start | ₱100,000 | As low as ₱1 |
| Minimum top-up | ₱5,000 | ₱1 |
| Lock-in period | None | Up to 5 years |
| Annual fee | 1% | Up to 2% |
| Entry fee | None | Up to 3% |
| Exit fee | None | Up to 5% |
| Profit sharing | None | Up to 10% |
Questions people ask before opening an account
Is AAA Robo Advisor safe?
A robo advisor is as safe as working with a human advisor, and like any advisor it has its own trade-offs. Because it is fully automated you can expect consistent behaviour, and it watches your portfolio every trading day. What you give up is customisation: the plan follows its rules, not requests.
How does a Robo Advisor account work?
When you open and fund the account you choose an investment plan, and the robo advisor does the investing for you. When prices move up or down it takes profits or buys more to keep your holdings in line with the plan. Your dividends are reinvested automatically.
What are investment plans?
An investment plan is a strategy with a specific goal. You choose one so the robo advisor knows what to invest in. The stocks in each plan are diversified to reduce risk and chosen by a team of analysts.
What plans are available?
Two: the Passive Income plan, which holds the exchange’s steadiest dividend payers, and the Smart Momentum Quant plan, which follows its strongest trends. More are being written.
Can I receive more or less than the projected dividends?
Yes. In a good year companies may pay more through special dividends. Dividends can also vary with price movements and board-lot requirements.
What is the difference between an AAA Trading Account and a Robo Advisor Account?
A Robo Advisor Account is for people who want a portfolio managed for them. Because we manage it, Robo account holders do not get an online trading account; they get a Robo Advisor dashboard instead. The AAA Trading Account suits active traders who do their own research, analysis and trades.
Can I have both an Online Trading Account and a Robo Advisor Account?
Yes. If you already have an account with AAA, email support to request a Robo Advisor account. They are two separate accounts with different log-in details.
Can I withdraw at any time, with no penalty?
Yes. Submit a withdrawal request from your dashboard and the robo advisor sells only enough of your portfolio to cover it. There is no exit fee.
Is it possible to lose money?
Yes. We do our best to pick the right stocks for your account, but it is not risk-free. Prices move up and down all the time. The robo advisor watches your account every trading day and adjusts it when its rules say to.
What is the minimum to open a Robo Advisor account?
The minimum initial investment depends on the plan you choose. Both current plans start from ₱100,000.
Can I add funds to my Robo Advisor account?
Yes. Top up from ₱5,000 at any time. Only the first deposit has a higher minimum.