Reserve
Emergency fund and goals within 2 years
Low risk
- Target return*
- 4–5% / yr
- Minimum
- ₱10,000
- All-in fee
- 0.45% / yr
- Peso money-market & short-term bonds
- Withdraw in 2 banking days
- Auto-invest from ₱1,000/month
Fee-only advisers · No commissions, ever
Grow your wealth with a plan, not a hunch.
Tanaw builds diversified, low-cost portfolios and a written financial plan for Filipino professionals, families and business owners. One transparent fee, quarterly reviews, and an adviser who picks up the phone.
- Assets under advice
- ₱18.4B
- Client families
- 6,200
- Client retention
- 97%
Balanced Growth model · ₱1,000,000 invested
₱1,890,000 +89.0%
Hypothetical value after 10 years
- Equities 55%
- Bonds 30%
- REITs 10%
- Cash 5%
- Fiduciary, fee-onlyWe're paid by you, never by fund houses, so advice stays on your side.
- Your assets, your nameHeld by an independent custodian bank in segregated accounts.
- 0.85% all-in feeTypical mutual funds charge 2–2.5% a year. Compounding notices.
- Quarterly reviewsPlain-language reports and a call with your adviser every quarter.
Compound-interest calculator
See what steady investing could add up to
Move the sliders or type exact numbers. Contributions are added monthly and returns compound monthly. Nothing here is saved or sent anywhere.
Estimated value in 15 years
₱0
- Total contributed
- ₱0
- Investment growth
- ₱0
- Growth share of final value
Year-by-year breakdown
| Year | Contributed (total) | Growth (total) | Balance |
|---|
Illustration only. Assumes a constant return, which real markets never deliver; actual results will vary and may be lower, including losses. Does not include fees or taxes.
Plans
Four ways to invest with us
Every plan includes a written financial plan, automatic rebalancing and a named adviser. Pick by goal and time horizon, not by hype.
Balanced Growth
Steady growth for 5–15 year goals
Moderate
- Target return*
- 6–8% / yr
- Minimum
- ₱100,000
- All-in fee
- 0.85% / yr
- 55/30/10/5 equities, bonds, REITs, cash
- PH + global index funds and ETFs
- Quarterly adviser review
- Education & housing goal tracking
Equity Growth
Long horizons, comfortable with swings
Higher risk
- Target return*
- 8–10% / yr
- Minimum
- ₱250,000
- All-in fee
- 0.85% / yr
- 85% equities across 40+ markets
- Tax-efficient rebalancing
- Built for 10+ year retirement goals
Private Wealth
Families and founders with ₱10M+
Tailored
- Approach
- Custom mandate
- Minimum
- ₱10M
- All-in fee
- from 0.60% / yr
- Dedicated senior adviser
- Estate & succession coordination
- Business sale and liquidity planning
*Target returns are long-run planning assumptions, not promises. Values of investments can go down as well as up.
Model performance
Numbers first, spin never
Annualised returns of our model portfolios after fees, compared with a simple benchmark of the same risk. We publish the bad years too: 2022 was down for every model.
Past performance is not a guarantee of future results. All figures on this page are fictional and shown for demonstration purposes only. They do not represent any real fund, portfolio or client account.
| Model (net of fees) | 1 yr | 3 yr p.a. | 5 yr p.a. | 2022 | Since 2016 p.a. |
|---|---|---|---|---|---|
| Reserve | 5.1% | 4.6% | 3.9% | 1.8% | 3.7% |
| Balanced Growth | 9.4% | 6.8% | 6.1% | −8.9% | 6.6% |
| Balanced benchmark | 8.7% | 5.9% | 5.4% | −10.2% | 5.8% |
| Equity Growth | 13.2% | 8.9% | 8.0% | −15.6% | 8.7% |
| Equity benchmark | 12.5% | 8.1% | 7.2% | −17.1% | 7.9% |
- 17 yrsadvising Filipino families since 2009
- 42CFA® and CFP® professionals on staff
- ₱1.2Maverage lifetime fee savings vs typical funds*
- 4.8/5client satisfaction across 1,900 reviews
*Illustrative estimate for a ₱2M portfolio over 25 years at a 1.4% lower annual fee. Fictional demo figures.
How it works
From first call to first review in three weeks
- 01
Discovery call
30 minutes, free. We map your goals, timelines, income and current investments. No product pitch.
Week 1 - 02
Your written plan
A clear plan with target amounts, the right portfolio for each goal, insurance gaps and a fee estimate in pesos.
Week 2 - 03
Invest & review
Open an account in your name at our custodian, set up auto-invest, then review together every quarter.
Week 3 onward
Team
The people behind your plan
Every client gets a named adviser and a back-up. Our partners invest in the same model portfolios as clients.
Ramon Villaluz, CFA
Founder & Chief Investment Officer
25 years in fixed income and asset allocation. Runs the investment committee.
Teresa Ocampo, CFA
Head of Portfolio Strategy
Builds and stress-tests the model portfolios. Former pension-fund strategist.
Paolo Reyes, CFP
Lead Wealth Adviser
Specialises in OFW families and dual-currency planning across PH and abroad.
Mika Santiago, CFP
Head of Client Planning
Retirement, education and estate planning for young families and founders.
Insights
Plain-language notes from our advisers
Why a 1.5% fee difference can cost you ₱1.2 million
We run the numbers on a typical ₱2M portfolio over 25 years, and show where the fees hide.
Teresa Ocampo · 24 Sep 2026
PERA, MP2 or a brokerage account? A side-by-side for 2026
Tax perks, lock-ins and limits of the three most common long-term options for Filipinos.
Mika Santiago · 10 Sep 2026
How much should you save for your child's college?
A realistic tuition-inflation estimate and a monthly figure you can actually start with.
Paolo Reyes · 28 Aug 2026
FAQ
Questions we hear every week
Still unsure? Ask us anything in a free consultation. You'll speak to an adviser, not a salesperson.
Book a consultationOnly from the annual fee you pay us, shown in pesos on every statement (for example, 0.85% of a ₱1,000,000 portfolio is ₱8,500 a year, billed quarterly). We accept no commissions, trailer fees or kickbacks from fund managers.
In an account in your own name at an independent custodian bank. We have trading authority to manage the portfolio, but we can never withdraw funds to anyone but you.
₱10,000 for the Reserve plan and ₱100,000 for Balanced Growth. Planning-only engagements (no assets under management) start at a flat ₱15,000.
Yes. There are no lock-ins or exit fees. Proceeds usually reach your bank in 2–5 banking days depending on what needs to be sold.
No, and you should be wary of anyone who does. Diversified portfolios rise over long periods but fall in some years. We plan for those years so you're never forced to sell at the bottom.
Yes. About a third of our clients live abroad. Onboarding is fully online, meetings run on your time zone, and we can plan across peso and foreign-currency goals.
Free consultation
Book 30 minutes with an adviser
Video call or at our Makati office. Bring your questions and, if you like, your latest statements. You'll leave with at least one thing you can act on, whether or not you become a client.
- Office18/F Narra Centre, 120 Valero St. (fictional), Makati City
- Call+63 900 000 0000
- Emailadvice@tanawwealth.example