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The gap stared to narrow after the deregulation in 1992. Tuition fee and ROI began to equalize by 1997. By 2004, the gap had widened causing the variance of almost 20%. The adverse impact of the deregulation of tuition fees took 10 years to fully materialize as trust funds and sales could no longer cover the mounting obligations. On the other hand, the Asian financial crisis broke out in 1997 causing a slowdown in the economy of countries in the Asian region including the
Philippines. The stock market crushed and wrecked the trust fund investments of the pre-need industry. The SEC is partly to blame for the collapse of the PNCs...
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