February 4, 2021 — Financial app GCash is rolling out new investment funds in its GInvest marketplace that will allow users to invest in more funds, in partnership with ATRAM and Seedbox Philippines. This is according to the Facebook post of Martha Sazon, the President & CEO of Mynt, which operates GCash.
GInvest is a marketplace within GCash accessible through the “Invest Money” tab on the app that allows users to invest in funds from partner providers.
Table of Contents.
Investment Products available on Ginvest by GCash
ATRAM currently provides the funds available on GInvest. As of Feb. 4, 2021, the following funds can be viewed on the app.
ATRAM Peso Money Market Fund
Risk Rating: Conservative
Past 1 yr. Return: 0.78%
Min. initial investment: Php 50
Min. Additional investment: Php 50
This is a Philippine-based fixed income fund that includes time deposit placements in Maybank, Chinabank, BPI, MUFG Bank. Its aim is more on capital preservation and higher returns vs most bank deposits.
ATRAM Global Technology Feeder Fund
Risk Rating: Aggressive
Past 1 yr. Return: 36.52%
Min. initial investment: Php 1,000
Min. Additional investment: Php 1,000
This fund invests in equities of technology companies, including Apple, Microsoft, Samsung, and Alphabet (Google).
ATRAM Global Consumer Trends Feeder Fund
Risk Rating: Aggressive
Past 1 yr. Return: 78.76%
Min. initial investment: Php 1,000
Min. Additional investment: Php 1,000
This fund invests in equities based on individual consumer needs, a global feeder fund for foreign companies like Amazon, Alibaba, Nintendo, and Activision Blizzard.
ATRAM Total Return Peso Bond Fund
Risk Rating: Moderate
Past 1 yr. Return: 8.97%
Min. initial investment: Php 50
Min. Additional investment: Php 50
This fund is composed of Philippine government and corporate bonds, including retail treasury bond (Aug. 2025), Fixed Rate Treasury Notes Feb. 2026, Jan. 2039, and July 2031. The goal is capital preservation and potential capital gains.
ATRAM Philippine Equity Smart Index Fund – UITF
Risk Rating: Aggressive
Pasy 1 yr. Return: -0.29%
Min. initial investment: Php 1,000
Min. Additional investment: Php 500
(From the Seedbox Website) This fund is designed to generate excess returns compared to its benchmarks through an enhanced index approach. This fund also contains a unit investment trust fund (UITF) that is regulated by the BSP.
Details of ATRAM Global Technology Feeder Fund, ATRAM Global Consumer Trends Feeder Fund, and ATRAM Total Return Peso Bond Fund, are from Martha Sazon on Facebook.
What Makes This Possible?
According to a post from a Seedbox employee, there are three main players to make this possible:
- ATRAM is the product provider that created the funds and manages them
- GCASh is the product distributor that provides the platform where the public can buy the funds
- Seedbox is the tech provider that connects GCash and ATRAM, ensuring that when a user buys on GCash, ATRAM receives it and updates its records.
As of Feb. 4, 2021, all are viewable on the GCash but users can only invest on the Peso Money Market Fund. We’ll know more details once the funds are officially launched on the app. In the meantime, you can also check them on Seedbox.
No Crypto?
As of 2019, GCash has 20 million registered users and a popular crypto onramp/offramp in the Philippines. No crypto fund is available via the app but GCash itself can be used to transfer funds to local crypto exchanges and P2P marketplaces. Perhaps customer demand may see GCash putting a crypto fund on the roadmap for 2021 but we shall see.
Source: https://bitpinas.com/news/gcash-to-roll-out-new-ginvest-investment-funds/
