Invest Money FAQ2018-07-31T15:42:14+08:00

Frequently Asked Questions

Invest Money

Overview
What is Invest Money?2018-07-30T02:35:46+08:00

Invest Money is the investment marketplace feature of the GCash App. This service allows users to invest in various investment funds from our partner product providers.

What are investment funds?2018-06-27T03:38:02+08:00

Investment funds are pools of money from multiple investors who agree to invest collectively by entrusting their money to a professional fund manager, who invests the money in different financial instruments like stocks and bonds.

What is Net Asset Value per Unit (NAVPU) and how is it determined?2018-06-27T03:48:13+08:00

The NAVPU is displayed on the Product Dashboard in Invest Money. It is determined daily based on the fund’s performance. A fund’s NAVPU is the unit price of a fund. The product provider computes it by dividing the fund’s overall value by the total number of units the fund has.

Who can invest via Invest Money?2018-06-27T03:49:14+08:00

To access Invest Money, users must be:
1) 18 years old and above (mandatory age requirement to invest)
2) Completed the Full KYC/customer verification process

Is there a possibility of losing my money? Is my investment guaranteed?2018-06-27T03:54:58+08:00

You may incur profits and losses from your investment, depending on its performance in the market. Rest assured, funds in Invest Money are managed by a financial market expert from our partner product providers.

How will I earn from investing in investment funds?2018-06-27T03:56:12+08:00

The value of investment fund units (NAVPU) may increase or decrease depending on their financial market performance. When you redeem your investment and it is worth more than what you paid when you subscribed, the difference between your subscribing and redeeming amounts is the profit that you have earned.

Who can I ask for more information regarding my investment fund?2018-06-27T03:58:08+08:00

For questions regarding your fund’s past performance or return projections, other funds you can invest in, and other related information, you may contact our investment fund provider, ATRAM Trust Corp at [email protected]

Who is ATRAM Trust Corp?2018-06-27T03:59:05+08:00

Our partner product provider ATRAM Trust Corporation (ATRAM Trust) is the first stand-alone trust corporation in the Philippines. It received its license to operate in October 2016 from the Bangko Sentral ng Pilipinas (BSP). You can learn more about them on their website (http://www.atram.com.ph/).

How can I register to Invest Money?2018-06-27T04:35:46+08:00

Just open your GCash app and tap ‘Invest Money’. Simply proceed with your registration by reviewing your personal details and answering some questions, including the risk profiling questionnaire which tells you what type of investor you are. Once submitted, we’ll update you via an SMS and email notification when your registration is approved, and you can start using GCash Invest Money.

Are there documents I need to submit?2018-06-27T04:46:02+08:00

No need to submit any documents, unless requested by our partner product provider.

How long do I have to wait to find out if I got approved or rejected?2018-06-27T04:52:16+08:00

Generally, ATRAM is able to complete the review within the same banking day. If registration was completed on a non-banking day, please expect and SMS notification about your registration approval/rejection by the next banking day.

How will I find out if I got approved or rejected?2018-06-27T04:57:22+08:00

Once approved, we will be sending you an SMS and email to notify you of your registration status.

Why would a user’s registration not get approved?2018-06-27T04:58:46+08:00
  • ATRAM, our partner product provider who screens registrations, is required to conduct standard due diligence on the prospective investor. As such, if the investor fails to meet certain pre-set criteria, their registration submission may be declined.
  • For more information on this due diligence process, kindly contact ATRAM at [email protected]
What does it mean to ‘Subscribe’ to a fund?2018-07-30T02:51:23+08:00

To “subscribe” means to invest in the fund by purchasing its units. In other words, you put your money in the fund by buying units of it.

How do I subscribe?2018-07-30T03:39:31+08:00

Follow these steps to subscribe to a fund in GCash Invest Money:

  1. Select an investment fund available in the app and click ‘Subscribe.’
  2. Agree to the Risk Profile Waiver, if applicable
  3. Confirm that you have read and understood the Key Investor Information Disclosure Statement (KIIDS), Risk Disclosure Statement, and Participation Trust Agreement. You can know more about and view these documents on ATRAM’s website www.atram.com.ph/.
  4. Enter the code that you will be sent to you via SMS
  5. Enter the amount you wish to invest.
  6. Check the transaction details before confirming your subscription order and read the important disclaimers.
  7. Your GCash wallet will be instantly debited of your subscription amount and you will receive an SMS notification that your subscription order has been placed/submitted. In this SMS, you will also see the approximate details of your subscription (Actual Subscription Amount, Approximate NAVPU, Approximate # of Units) —–terms are linked to Glossary of Terms below
  8. Once your order is processed by the fund provider, we will send you an SMS notification confirming the details of your subscription. (Actual Subscription Amount, Confirmed NAVPU, Actual # of Units) [terms are linked to Glossary of Terms below]
What is the minimum amount to invest in each of the funds?2018-07-30T03:42:05+08:00

You can invest in funds via the GCash app for a very low minimum investing amount of Php 50!

What are the disclosures for?2018-07-30T03:54:34+08:00

Before investing in a product for the first time, it is important that you understand and accept the contents of the following documents.

  • Key Information and Investment Disclosure Statement (KIIDS) – The KIIDS contains general information on the fund that a prospective investor must know before investing in it.  This includes infos such as the fund’s investment objective, risk classification, inception date, historical performance, and other important disclosures.
  • Risk Disclosure Statement (RDS)- The Risk Disclosure Statement (RDS) outlines and explains the risks associated with investing in the fund.  All prospective investors must be aware of these risks before investing in the fund.
  • Participation Trust Agreement (PTA)- The Participation Trust Agreement (PTA) is the agreement between ATRAM Trust Corp. and the investor
When will my GCash wallet be debited of my subscription amount?2018-07-30T09:13:56+08:00

Your GCash wallet will be debited immediately, after you place your order.  We will send you an SMS notification saying that your subscription order has been received and will be subject for the fund provider’s processing.

How and when will my subscription reflect on my Market Value of Investment?2018-07-30T09:16:20+08:00

Your subscription will be reflected on your Market Value of Investment after your order has been processed.

How long does it take to process my subscription order?2018-07-30T09:21:29+08:00

Standard processing time is 1 banking day after order placement. However, order processing time may vary per product/fund provider and on the time you placed your order.

How do I know if my subscription order has been processed/confirmed?2018-07-30T09:36:31+08:00

We will notify you via an SMS notification when your subscription order has been processed/confirmed.

How do I check the status of my subscription order?2018-07-30T09:58:32+08:00

You may view the details of your pending subscription orders on the Pending Orders page of GCash Invest Money.

What does it mean to ‘Redeem’ my investment from a fund?2018-07-31T15:23:46+08:00

To “redeem” means to sell your investment in the fund by selling the units of it that you own.  In other words, you get money for what your investment is currently worth.

How do I redeem?2018-07-31T15:26:16+08:00

Follow these steps to redeem:

  1. Click ‘Redeem’ on the page of the investment you have selected.  
  2. Enter the amount you wish to redeem.
  3. Confirm your order by reviewing and agreeing to the Terms of Redemption
  4. Wait for an SMS notifying you that your order was placed. Later on, you will receive two separate SMS notifications regarding the confirmation of your order and to inform you that your GCash wallet has been credited the redemption proceeds.
What is the minimum amount to redeem in each of the funds?2018-07-31T15:28:05+08:00

There is also a minimum redemption amount of P50.

Is there a maximum to the amount I can redeem?2018-07-31T15:29:10+08:00

Redemptions are subject to GCash wallet balance and transaction limits

Are there redemption charges?2018-07-31T15:30:14+08:00

No, redemption of your investments is free of charge.

How do I know if my redemption order has been processed/confirmed?2018-07-31T15:31:36+08:00

We will notify you thru an SMS notification as soon as your redemption order has been processed/confirmed.

How and when will I receive my redemption proceeds?2018-07-31T15:32:54+08:00

Your Market Value of Investment  will be deducted of the amount redeemed and the proceeds will be credited to your GCash balance after your order has been processed/confirmed.

How long does it take to process my redemption order?2018-07-31T15:34:21+08:00

Standard processing time is 1-2 banking days after order placement. However, order processing time may vary per product/fund provider and their cutoff times.

How do I check the status of my redemption order?2018-07-31T15:35:35+08:00

You may view the details of your pending redemption orders on the Pending Orders page of GCash Invest Money.

Where can I review the T&C’s for Invest Money?2018-07-31T15:44:27+08:00

You can download the T&C’s directly from here. [insert link here]

I want to learn more about GCash Invest Money!2019-02-01T18:08:20+08:00

If you’re curious to learn more about investing and GCash Invest Money, check out this primerhttps://www.gcash.com/invest-money/primer 

Registration
How can I register to Invest Money?2018-06-27T04:35:46+08:00

Just open your GCash app and tap ‘Invest Money’. Simply proceed with your registration by reviewing your personal details and answering some questions, including the risk profiling questionnaire which tells you what type of investor you are. Once submitted, we’ll update you via an SMS and email notification when your registration is approved, and you can start using GCash Invest Money.

Are there documents I need to submit?2018-06-27T04:46:02+08:00

No need to submit any documents, unless requested by our partner product provider.

How long do I have to wait to find out if I got approved or rejected?2018-06-27T04:52:16+08:00

Generally, ATRAM is able to complete the review within the same banking day. If registration was completed on a non-banking day, please expect and SMS notification about your registration approval/rejection by the next banking day.

How will I find out if I got approved or rejected?2018-06-27T04:57:22+08:00

Once approved, we will be sending you an SMS and email to notify you of your registration status.

Why would a user’s registration not get approved?2018-06-27T04:58:46+08:00
  • ATRAM, our partner product provider who screens registrations, is required to conduct standard due diligence on the prospective investor. As such, if the investor fails to meet certain pre-set criteria, their registration submission may be declined.
  • For more information on this due diligence process, kindly contact ATRAM at [email protected]
Subscription
What does it mean to ‘Subscribe’ to a fund?2018-07-30T02:51:23+08:00

To “subscribe” means to invest in the fund by purchasing its units. In other words, you put your money in the fund by buying units of it.

How do I subscribe?2018-07-30T03:39:31+08:00

Follow these steps to subscribe to a fund in GCash Invest Money:

  1. Select an investment fund available in the app and click ‘Subscribe.’
  2. Agree to the Risk Profile Waiver, if applicable
  3. Confirm that you have read and understood the Key Investor Information Disclosure Statement (KIIDS), Risk Disclosure Statement, and Participation Trust Agreement. You can know more about and view these documents on ATRAM’s website www.atram.com.ph/.
  4. Enter the code that you will be sent to you via SMS
  5. Enter the amount you wish to invest.
  6. Check the transaction details before confirming your subscription order and read the important disclaimers.
  7. Your GCash wallet will be instantly debited of your subscription amount and you will receive an SMS notification that your subscription order has been placed/submitted. In this SMS, you will also see the approximate details of your subscription (Actual Subscription Amount, Approximate NAVPU, Approximate # of Units) —–terms are linked to Glossary of Terms below
  8. Once your order is processed by the fund provider, we will send you an SMS notification confirming the details of your subscription. (Actual Subscription Amount, Confirmed NAVPU, Actual # of Units) [terms are linked to Glossary of Terms below]
What is the minimum amount to invest in each of the funds?2018-07-30T03:42:05+08:00

You can invest in funds via the GCash app for a very low minimum investing amount of Php 50!

What are the disclosures for?2018-07-30T03:54:34+08:00

Before investing in a product for the first time, it is important that you understand and accept the contents of the following documents.

  • Key Information and Investment Disclosure Statement (KIIDS) – The KIIDS contains general information on the fund that a prospective investor must know before investing in it.  This includes infos such as the fund’s investment objective, risk classification, inception date, historical performance, and other important disclosures.
  • Risk Disclosure Statement (RDS)- The Risk Disclosure Statement (RDS) outlines and explains the risks associated with investing in the fund.  All prospective investors must be aware of these risks before investing in the fund.
  • Participation Trust Agreement (PTA)- The Participation Trust Agreement (PTA) is the agreement between ATRAM Trust Corp. and the investor
When will my GCash wallet be debited of my subscription amount?2018-07-30T09:13:56+08:00

Your GCash wallet will be debited immediately, after you place your order.  We will send you an SMS notification saying that your subscription order has been received and will be subject for the fund provider’s processing.

How and when will my subscription reflect on my Market Value of Investment?2018-07-30T09:16:20+08:00

Your subscription will be reflected on your Market Value of Investment after your order has been processed.

How long does it take to process my subscription order?2018-07-30T09:21:29+08:00

Standard processing time is 1 banking day after order placement. However, order processing time may vary per product/fund provider and on the time you placed your order.

How do I know if my subscription order has been processed/confirmed?2018-07-30T09:36:31+08:00

We will notify you via an SMS notification when your subscription order has been processed/confirmed.

How do I check the status of my subscription order?2018-07-30T09:58:32+08:00

You may view the details of your pending subscription orders on the Pending Orders page of GCash Invest Money.

Redemption
What does it mean to ‘Redeem’ my investment from a fund?2018-07-31T15:23:46+08:00

To “redeem” means to sell your investment in the fund by selling the units of it that you own.  In other words, you get money for what your investment is currently worth.

How do I redeem?2018-07-31T15:26:16+08:00

Follow these steps to redeem:

  1. Click ‘Redeem’ on the page of the investment you have selected.  
  2. Enter the amount you wish to redeem.
  3. Confirm your order by reviewing and agreeing to the Terms of Redemption
  4. Wait for an SMS notifying you that your order was placed. Later on, you will receive two separate SMS notifications regarding the confirmation of your order and to inform you that your GCash wallet has been credited the redemption proceeds.
What is the minimum amount to redeem in each of the funds?2018-07-31T15:28:05+08:00

There is also a minimum redemption amount of P50.

Is there a maximum to the amount I can redeem?2018-07-31T15:29:10+08:00

Redemptions are subject to GCash wallet balance and transaction limits

Are there redemption charges?2018-07-31T15:30:14+08:00

No, redemption of your investments is free of charge.

How do I know if my redemption order has been processed/confirmed?2018-07-31T15:31:36+08:00

We will notify you thru an SMS notification as soon as your redemption order has been processed/confirmed.

How and when will I receive my redemption proceeds?2018-07-31T15:32:54+08:00

Your Market Value of Investment  will be deducted of the amount redeemed and the proceeds will be credited to your GCash balance after your order has been processed/confirmed.

How long does it take to process my redemption order?2018-07-31T15:34:21+08:00

Standard processing time is 1-2 banking days after order placement. However, order processing time may vary per product/fund provider and their cutoff times.

How do I check the status of my redemption order?2018-07-31T15:35:35+08:00

You may view the details of your pending redemption orders on the Pending Orders page of GCash Invest Money.

Others
Where can I review the T&C’s for Invest Money?2018-07-31T15:44:27+08:00

You can download the T&C’s directly from here. [insert link here]

I want to learn more about GCash Invest Money!2019-02-01T18:08:20+08:00

If you’re curious to learn more about investing and GCash Invest Money, check out this primerhttps://www.gcash.com/invest-money/primer 

Glossary of Terms

Risk Profile – Your risk profile shows the level of risk you are willing to accept in order to obtain returns.  You can either be conservative, moderate, or aggressive. This risk profile assessment or Risk Profile Questionnaire (RPQ) or Client Sustainability Assessment (CSA) is a requirement of the BSP before a prospective investor is allowed to invest in a UITF.  

Units – A unit is the measure of participation in a Unit Investment Trust Fund (UITF). When an investor wants to put money into a fund, he/she subscribe to or purchases units of the fund.

Subscription amount – the amount of money you have invested in an investment fund; this amount is debited from your GCash wallet once you place your subscription order and does not change from order placement to confirmation

Confirmed NAVPU – The NAVPU (fund unit price) applied to your subscription/redemption.

Actual number of units bought – The confirmed number of units your amount invested has subscribed.

Key Investor Information Disclosure Statement (KIIDS) – The KIIDS contains general information about a fund including the fund’s investment objective, risk classification, inception date, historical performance, and other important disclosures.

Risk Disclosure Statement (RDS) – The Risk Disclosure Statement or Client Sustainability Assessment (CSA) outlines and explains the risks associated with investing in the fund.  All prospective investors must be aware of these risks before investing in the chosen fund.

Participation Trust Agreement (PTA) – The Participation Trust Agreement is the agreement between ATRAM Trust Corp. and the investor.  It outlines the terms and conditions of the investment.

Risk Profile Waiver – If you wish to invest in a fund that has a higher risk profile than yours, agreeing to the Risk Profile Waiver signifies your willingness to take the risks of pursuing such investment despite your mismatch in risk profile.

Contact Us
Trade and Financial Tower, 32nd Street cor 7th Ave
Bonifacio Global City, Taguig City 1630
Metro Manila, Philippines
Hotline: 2882
Email: [email protected]

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