With GInvest, Invest Anytime Anywhere!
Update on this post for 2021! GInvest has new funds that you can invest in, both local and foreign funds! If you look below, I wished for them to have foreign funds, too, and they did! Maybe the GInvest people are reading.
Check out my video to learn how I create and investment plan and how to start investing in GInvest. Also, If you have wishlists, comment in the comment section below!
I’ve been setting aside money for different investments. I’ve been investing since I was 27 years old. I’m using around 4 kinds on investment channels. The reason for the various channels is that I have different investment objectives for each channel. I have one that I will use for my retirement. The two other policies that we have are for the education of Zeeka (and other children, if we do have others). The last one that I have is really for emergency funds.
I personally love investing. Why? I just think that it’s like a game. Funny as this may sound, I love that investing feels like a personal game that I’m playing, and I’m competing against myself. I love that I actually have control over what happens, and the forces around me and the temptation to go shopping are my opponents! haha!
Recently, I found this cool new way of investing and it’s super easy! It’s called GInvest. So it’s hidden in our GCash App, in the “Show More” portion. Currently though, it’s on BETA and only available to a few individuals. Super blessed to be given the chance to test this.
So I clicked on GInvest and it asked me these questions first. You have to answer these questions as truthfully as possible since the main reason for this quiz is not to spy on you. It’s actually to get your risk profile and to get a sense of your risk appetite.
After you answer all of the questions, you will be shown your risk profile. In my case, I am a moderately aggressive investor.
You will then have access to the GInvest dashboard once your registration has been approved. Note that you will receive emails every step of the way. I like this, because it informs me of what’s happening with my registration / account event is I don’t open the application.
With GInvest, they will match your investment with what your risk profile is. Their partner for the investment products that they offer is ATRAM.
The ATR Asset Management (ATRAM or ATRAM Group) operates through ATR Asset Management, Inc. (ATRAM MF) and the ATRAM Trust Corporation. In 2009, the ATRAM Group decided to expand its presence in the fast growing domestic asset management industry by forming a dedicated business group called ATR Asset Management (ATRAM or ATRAM Group). Under this group is ATRAM Trust and ATRAM MF.
For those that don’t know, ATRAM Trust Corporation (ATRAM Trust) is the first stand-alone trust corporation in the Philippines. It received its license to operate last October 2016.
ATR Asset Management (ATRAM MF), on the other hand, was established in July 1995 as the Mutual Fund Management Co. of the Phils. (MFMCP) by the Clemente Fund Management Asia Ltd. to serve as investment adviser, principal distributor and administrator of the Mutual Fund Company of the Philippines also known as the “Kabuhayan Fund”. In 2003, Maybank ATR Kim Eng Capital Partners, Inc. purchased an 83% stake in MFMCP from some of the original shareholders thereby gaining control of the company.
Personally, I did my research first before I invested. I think they’re a pretty legit company. You can read more about them here: https://www.atram.com.ph/ATRAM/AboutUs/default.aspx
So the type of investment presented to me was ATRAM Peso Money Market Fund. This fund is a UITF or a Unit Investment Trust Fund. UITFs are types of funds that pools funds from different investors with the same objectives.
I wanted to try GInvest, so I clicked on the subscribed button, and transferred around Php 1000 for investment. Get this! The minimum investment amount is Php 50! If you want to invest extra funds every day, you actually can! So after hitting the subscribe button, I got a message that GInvest will message me back once I have the subscribed units.
It just took a couple of days (or less) before I got to see it on my dashboard as “subscribed”. For those who want more information about the ATRAM PESO MONEY MARKET FUND, don’t worry! You will receive an email that contains information about the fund like this.
What I like about GInvest
I like that I can easily invest. Investing before was (in my opinion) more tedious than just setting aside money for savings. I think it’s tedious because of the documentation that you need to fill out. You also need to coordinate with a financial or wealth advisor, even during the initial stages of the discussion. And lastly, to top up, you pay using bills payment channels, but to know if you have “subscribed”, you will still receive their manual “letters and official receipts” weeks after. If you want to know if your subscription was received, you will still need to check with you advisor oftentimes.
I also appreciate the amount of control that’s given by GInvest. I can invest or redeem whenever I want. I can also get updates and see my subscribed shares when I open the app.
I also like that the minimum investment amount is Php 50. When I first saw this, I couldn’t believe it!
Lastly, the “set reminder” functionality that sends an SMS to you with the amount that you set is something that is very useful. You can set it to remind you every middle and end of the month or every end of the month or every end of the quarter. It just makes everything more consistent.
What I wish GInvest would have
I wished they would have more investment products like stock both local and foreign stocks, etc. Also, if there’s a way to lock that certain portion of the GCASH app. This is just for extra data privacy. Also, if you could possibly add analytics (or a way to tell us how much we should invest to POSSIBLY reach a goal for our personal investments, that would be awesome!
So that’s about it, guys! Will I continue investing GInvest? Yes, I will.
I think I trust GInvest enough and most importantly, it’s so easy and convenient! haha!
P.S. You may want to check out:
GSave – https://mommyginger.com/save-money-with-gcash.html
GCredit – https://mommyginger.com/how-gcredit-works.html
Financial Tools – https://mommyginger.com/how-financial-tools-can-keep-you-out-of-trouble.html
I love how well you explained about the new investment option in Gcash. I also discovered it recently, got curious and seems legit so I also give it a shot. I am looking forward for my investment to grow, I also am trying to add investments every week. Hope that more people will discover this on their GCash app and invest..
Hi Bevz! 🙂 thanks for your message! I love that it’s so convenient. I value time so saving me from lining up at the bank and giving me the flexibility of when and how huge/little to invest is something that I truly enjoy from this product 🙂
Is there any update regarding your investment?
Hi Laiza! 🙂 I gained an increment of 2% palang 🙂
Kailan po kayo nag start mag invest?
When I created this post 🙂
Please post an update about the investment performance. Thanks
Sure! 🙂 I will update this! 🙂
Nice.. Any update about your investment?
This is very helpful! I was really looking for an article about this since I was also lucky enough to be given the chance to participate in GInvest. Thank you so much!
You were amazing in explaining this. This is actually my first time. Just now, I have answered the quiz. I am waiting for their confirmation. Could you explain to me in a layman’s term what are investments and how does your money grow-a typical investment 101 please. I am only 29 year’s old. Hoping to hear from you soon. God bless!
Hi Chris! 🙂
When you invest money, you earn interest. There are different kinds of investments: Stocks, Forex, Pooled Funds or UITFs, Government – initiated Funds, etc. Business is also an investment 🙂 So in this case of GInvest, they partnered with ATRAM. When you invest with GInvest, you basically buy units. When the price of the units go up, you earn. This is what you call Net Asset Value Per Unit (NAVPU).
I seriously need this much information. Got curious to try and it is my first time also to invest. Thank you very much!
You’re welcome 🙂
How will you know if you are qualified to use the invest money? I tried to apply and was approved however I cannot subscribe to any investment.
Mine too 🙁 I cannot subscribe. I cant input the amount I want to invest
I have the same error today. I’ve been trying to subscribe after I’ve read this post which is very helpful, thanks by the way. I just sent feedback since I can’t proceed after multiple attempts.
I cant subscribe also, the apps automatically close when i click the subscribe button..any help..tnx
Is the 2.49 % is the percentage of money growth in gcash ??
Hi Melissa! how GInvest works is that you buy units and the increase or decrease of the % of interest depends on the the increase or decrease of the value of the units that we all purchase 🙂
hello. I am also curious with this Investment platform but I really don’t have much experience with tradings so I invest little amount. I am just testing it and hopefully I will stay with it. Thanks for explaining it.
Hi Weng! 🙂 Yes, just experiment with it first and see how it goes 🙂
Thanks for the info. It pays to be informed.
God bless you more.
Alma from Davao City
Thanks, Alma, for sending me a message! 🙂
Hi Ginger! I recently subscribed to GInvest before I stumbled on this article.
Since you invested last September 2018, is there an increase or decrease? By how much?
Hi Melissa, how far has your 100 gone since? Just curious
Hi ginger, saw this post after i subscribed to their investment portion, actually am hesitant. But seeing your post enlightened me a bit. May i know how’s your investment going? Want to give it a try sana. Thanks!
Hi Elena! It was good naman, but I pulled out na because I need the money. Oh, if you will need the money later on pala, redeem it early. It takes them a while to credit the money back to youy GCASH account 🙂
This is very helpful! I’ve always wanted to start investing but I live in the province so it’s harder for me. When I saw this feature in GCash, I hurriedly applied. I’m curious on how this works and I hope to know more about investing. Question, do they send out updates/notifications about the stock performance? Do we get it on the app or via email? And how’s your investment so far? Hoping to hear from you. God bless.
Hi MJ! 🙂 They show a chart on the performance of the funds for the past 12 weeks. 🙂 For my investment, so far, it had an increase of 0.4% so far. Not that significant yet though 🙂 hehe!
Hi! Can I entrust GInvest with large amounts of money? (50,000php and up)? What are your thoughts on placing higher amounts? Thanks 🙂
Yes, definitely. GCASH partnered naman with a reputable partner — ATRAM. Check this link to study more about them: http://www.atram.com.ph/_ATRAM/Home.aspx 🙂
maam ginger, pag naredeem ko po ba lahat nung nasa GInvest ko pwede ko ba ulit mabago yung Risk Profile ko?
Hi Joey! You know what, I’m not sure if they have the feature to change risk profile. I think they should conduct risk profiling every so often though 🙂
Nag invest ako dito, ok lang naman. I started with 500, then dinagdagan ko ng 5k. Mag 1month, 18.47 ang tubo hehehe.. ngayon, (as in ngayon lang) nag cash in ako via my savjngs account ng 20k, pinasok ko ulit. Mga 3days pa bago magreflect sa total invest ko ang nadagdag na 20k. Hoping na lumaki pa ang interes hehehehe..
Hi, just wanted to ask how is your investment so far? I’m planning kasi to increase my investment. Right now, im hesitant kaya 2k palang nilalagay ko. Anyway, I have a 20k in my savings and wanted to transfer it to Ginvest. You think it’s worth it?
I tried redeeming everything and it took a while before they credited it back to my account. From that time, I haven’t added back any funds. I have some funds in GSave though. 🙂
Thank you so much for sharing this one.. any updates in your investment? I just started a few days ago and really excited 😊
It was okay naman 🙂 steadily growing. When you take out your money though, give them time to process. They take quite a while to deposit the funds back 🙂
Hi mam can i change my investing to 1k to 50k kasi nilagay ko before 1k or less pwede po ba na mag exed sa 1k na invesment. Ty po
Hi Red! Yes, you can exceed 1K na 🙂
HI ginger! Any step by step article on how ginvest. Thanks
Hi Florida! Right now, I only have this. 🙂 But sige, I’ll try to create a vlog and post it on my YouTube Channel 🙂
Hello, Ginger! I’m curious if you’re still investing in GInvest, if so, how’s it na? Ive been subscribed to this feature ng GCash since last year but now lang nag research kasi I didn’t know you can redeem it pala and wasn’t curious enough that time, gusto ko lang mag try.
I don’t have GInvest na 🙂 I don have GSave though. 🙂
Hi Mommy Ginger!
Madali lang rin ba i-redeem ang nainvest mo sa GInvest? Did you transfer you GInvest amounts sa GSave mo?
Hi Serme! Madali naman when I tried it. I’m not sure if they still have this pa. I use GSAVE nalang. Pulled out funds sa GINVEST kasi I needed it nitong pandemic 🙂
Hi Ginger! Since you like to invest talaga, what can you recommend that you have tried na worth it so far?
Hi Gherry! Depends on your investment goals. 🙂 Feel free to email me at ginger(at)mommyginger(dot)com 🙂
Hello. Tanong ko lang kung anong NAVPU ang iaapply for your Buy Order? NAVPU for the day you created your Buy Order (Day 1) or NAVPU after 3-4 banking days. Thank you