pafjx|PAFJX : Cebu Retirement Advantage 2045 Fund (Class Y) (PAFJX) Comprehensively managed portfolios diversified to align with your retirement horizon Therefore, those in PT will have to make arrangements between 12:00am and 9:00am because these are the typical, 9:00am to 6:00pm, working hours for those in Berlin. Those in Berlin on the other hand, looking to contact those in PT, will find it best to schedule meetings between 6:00pm and 3:00am as that is when they will most likely be at work .
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