Simulan ang Financial Journey mo with GCash: GFunds

Conservative

• ATRAM Peso Money Market Fund ay may conservative na risk rating. Layunin nito na ingatan ang kapital at magbigay ng mas mataas na returns than most banks. It is mainly invested sa iba’t ibang Philippine treasury bills at other short-term instruments.

Moderate

• ATRAM Total Return Peso Bond Fund ay may moderate risk rating. The fund is mainly invested in bonds at layunin nito na ingatan ang principal with the potential for capital gains.

Moderately Aggressive

• ATRAM Global Health Care Fund ay may risk rating na moderately aggressive. Layunin nito na makamit ang long term capital appreciation sa pamamagitan ng pag-invest sa equity securities within the health care sector worldwide, kasama ang malalaki at maliliit na markets.

• ATRAM Global Infra Equity Fund ay may moderately aggressive risk rating and seeks to achieve long-term capital appreciation. The fund invests in equity securities of companies engaged in the infrastructure sector worldwide.

Aggressive

• ATRAM Philippine Sustainable Development and Growth Fund ay may aggressive risk rating. Layunin nito na makamit ang capital growth sa pamamagitan ng pag-invest locally in equities of companies whose products and services are considered by the investment manager as contributing to positive environmental or social change.

• ATRAM Global Equity Opportunity Feeder Fund ay may aggressive risk rating. Layunin nito na to achieve ang long-term capital appreciation sa pamamagitan ng pag-invest sa equity securities throughout the world, kasama ang major markets and smaller emerging markets.

• ATRAM Philippine Smart Equity Index Fund ay may aggressive risk rating. Nag-iinvest lamang ito sa 30 Philippine Stock Exchange Index (PSEi) members, pero gamit ang isang enhanced index approach.

• ATRAM Global Consumer Trends Feeder Fund ay may aggressive risk rating. Nag-iinvest ito sa mga global equities ng consumer companies.

• ATRAM Global Technology Feeder Fund ay may aggressive risk rating. Nag-iinvest ito sa global equities ng mga technology companies.

• Ang Philippine Stock Index Fund ay may aggressive risk rating na layunin na ma-track ang performance ng PSEi.

• ALFM Global Multi-Asset Income Fund ay may aggressive risk rating. This fund is invested globally in multiple investments including equities, equity-related securities to deliver regular dividends to the investor.

Tips para ma-maximize ang paggamit ng GFunds

1. Kailan dapat magbenta o bumili ng investment products?

   Ang usual rule ay bumili kapag mababa at magbenta kapag mataas para may kita ka! Ngunit minsan, mahirap magpredict kung kailan bababa at tataas ang returns ng funds, dahil sa epekto ng performance ng financial markets kaya mas mainam na mag-invest regularly.

2. Intindihin ang NAVPU

   Ang NAVPU or Net Asset Value Per Unit ay ang unit price ng isang fund. Ito ay computed ng product provider sa pamamagitan ng pag-divide ng overall value by the total number of units. Pwede ito tumaas or bumaba araw-araw, depende sa performance sa merkado.

3. Magresearch tungkol sa performance ng financial markets

   Sa investing, kailangan palaging nagreresearch para aware ka sa mga nangyayari at posibleng mangyari sa mga investments mo. Aralin at intindihin ang iyong mga investments at financial markets, lalo na ang mga balita tungkol dito, para may ideya ka kung paano sila gagalaw – kung tataas o bababa ba ang value nila, para you can act quickly and accordingly.

4. Gamitin ang investing strategy na peso cost averaging

   Ito ang pag-iinvest buwan-buwan, anuman ang kasalukuyang presyo nito, para maprotektahan mo ang iyong sarili sa biglaang movements ng financial markets.

5. Mag-invest ng halagang komportable ka

   Hindi mo kailangan ng malaking halaga para makapag-simulang mag-ipon o mag-invest! For as low as P50, pwede ka na mag-invest sa iba’t ibang local funds. Kung gusto mo naman ng global funds, pwede ka mag-invest for as low as P1,000. Mag-invest lamang ng amounts kung saan ka komportable.

Ayan! Ready ka na, kaibigan! Ano pa ang hinihintay mo? Gamitin ang GFunds para ma-achieve ang inaasam na #lifegoals at komportableng kinabukasan na pinapangarap mo!