Friday, October 12, 2012

Armed Forces and Police Savings and Loan Association, Inc. (AFPSLAI)


Dear Investor Juan,

Thanks for the insights on investment.  Actually, my wife and I are eager to invest with minimal investment.  I am having an AFPSLAI account which bears an annual interest of 18% which shall we say is good.  My question is, is it stable? Will it last for like 20-30 years? What’s your outlook on that.  We also invest in real properties pero paunti unti lng naman.

Now going back to investment, personally which do you prefer to invest in UITFs? BPI or BDO? Hopefully, by next week we can start investing in UITFs with your backing.

Thanks in advance.


Dear Rian,

Thanks for this opportunity to introduce our readers to AFPSLAI and its high-return deposit product. I think the 18% interest is justifiable since membership is very limited and the institution can earn more than that from loans and other services. Also, we have to remember that this is a savings and loan association and not a bank, so it's not covered by the same restrictive regulations and returns are not really comparable. In my opinion, the biggest risk with this institution is mismanagement, but since deposits are covered by PDIC, you should be fine as long as you maintain a deposit balance of 500,000 pesos or below.

Regarding other investments, I suggest you maximize your deposit with AFPSLAI (i.e., up to 500,000) before you invest in other instruments. In choosing between BPI and BDO, you can compare fees and/or
historical performance as I outlined in this post.

I hope I was able to answer your questions. Good luck!


  1. Just the info I needed. This post is particularly timely in my situation because my parents are also contemplating to keep their savings at AFPSLAI. Thanks!

  2. I agree with you! Actually, there's a maximum limit of 10k every month as capital contribution. If you are in the Military service, you can put more or less 20k as salary deduction every month as capital contribution. It's a good investment. The higher CapCon you have, the higher dividend you're going to get.

    Ranger Perots

  3. pwede po ba dito ang student pa lang ?

  4. Just a correction, AFPSLAI is a Savings and Loan entity, Its deposits are not covered by Philippine Deposit Insurance Corporation (PDIC).

  5. My mother was an associate member in AFPSLAI. She intends to put her retirement package there (3/4 of the total amount). Do you think this is a smart investment? If not, can you suggest the other available investment vehicle suited for her? She's 63 and in good health. Thank you

  6. Pwde ba ako mag pa member sa afpslai reservist ako ng army at anu nman ang requirment

  7. AFSLAI doesn't have any insurance. hindi po sa PDIC.

    You can invest naman sa Philippine condo or real estate pero daming paper works

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