WELCOME TO
Ready to start growing your money? After reading
through this primer, you'll know all the basics.
Let's get started!
2 What is Invest Money?
3 What is Investing?
4 Why should | start investing?
5 What should | know before investing?
6 Quiz: What are you investing for?
7 Howdol] Invest Money?
7 Subscribe
9 Manage
10 Redeem
11° FAQSra
Invest Money?
Monitor your Seta reminder
investments anytime to invest!
GCash Invest Money is powered by partnerships with
Seedbox <5 @ ATRAM
PHILIPPINE
and our various partner product providers
Seedbox provides the transaction processing technology through the GCash App
while the product providers manage the investment products.
vats imstnonny (7) Q2,What is Investing?
Investing is putting your money into something with
the expectation of making more money.
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Bond Stocks Investment funds
It usually pays interest When you purchase This is pooled money from
andraturns the principal stocks means you own ‘ther thvestors, like you, 12
‘at tho end of the term ‘ashare of the company. Buyamis ofassets such as
Stocks and bonds
Types of Investment Vehicles
Through GCash Invest Money,
you can invest money straight
P from your GCash wallet.
The value of these financial assets change according to financial market movements.
These include changes in interest rates, profitability prospects for a company, and others.
vt neste (7) Q3,Why should | start?
We all want to do more with what we earn, whether it’s a car,
anew gadget, a trip to Japan or your child’s tuition fee!
Everything costs money!
And we all know that in order to achieve these financial goals, we have to set aside money.
But setting aside money is not enough because it naturally loses value.
This is called inflation!
In other words, P1 today is worth less than P1 tomorrow.
Putting your money in a bank account won't solve the problem either!
25% 4%
Currently, bank accounts give an interest rate of 0.25% per year while
=~ inflation is currently at 4%. You're still losing 3.75% a year!
This is where Investing comes in, giving you a better chance of earning more!
swmnsrecl A OdWhat should | know before investing?
@ Risk and Rewards
‘The possibility of tosing some or all of the The Risk Profiling Questionnaire you answered
originally invested money during registration measures how much risk you're
willing to take as an investor.
‘The principle of risk and rewards says that taking on
‘more risk is associated with higher potential returns.
For example, in the case of invest ment funds:
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In cas nest Money
Each investment product
‘also has ariskclassifeation to help you invest
‘Te graph shows the risks end ears of ferent types of Investments ‘oducts that best match your own risk profile.
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@) Diversification
LY one way of tessening the risk ofesing your
invested money is through diversification.
Diversification is avoiding putting all your
‘money
‘in one investment.
When the value of one of your investment drops, your other
kinds of investments would hopefully hold or increase in valve
$0 you don't lose as much money,
QB) The Value of Time
ADVANTAGE OF INVESTING AT AN EARLY AGE
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you will give your money more.
nn Ser enWhat are you investing for?
Before you start subscribing to an investment fund,
it's important to know what you're investing for.
Find out by taking this quiz!
arenes euismae actA
A B
‘Supporting my sibling/s and giving Delivering results and contributing to reach
back to my parents ‘our company goals,
c D
Exploring the world and experiencing Sparking change and making a difference
everything life has to offer
aN ee CUE Dekel VAT BLT ane
A B
1'U treat my family with it, we'll havea | shall Buy tickets to this workshop for a skitl
date! ve always wanted to learn.
c D
PU book plane tickets to one ofthe —_—| will give it to an organization that | know
country’s beautiful islands! will use it for a good cause
MR Re Sa Berar Lt Bere ae a Bmp ead
A B
Just at home, catching up with Probably at my favorite coffee shop. Time to
‘the family. catch up on the work I've set aside!
c D
love holidays! You'd definitely find il be volunteering in a needy community.
meat the beach Want to come?
PN RET TaT e egTaT ed
A B
Yes, I'm tightening my belt on some tm building my wealth to earn enough
‘expenses because I'm saving up for capital for my future business.
‘a family surprise.
c D
Yes, 'm saving up to book a flight to | try to spend minimally and give back more
‘my dream destination! instead.
The Catalyst
We all hustle for our unique #goals.
Make the most of your hard work by regularly placing your earnings in an investment that can grow them exponentialy.
at ee You tovernd 4 06.Now that you know yourself better and more about investing, you’re
ready to Invest Money! Just follow these steps!
View Investments Products
Tap the ‘View Investments Products’
button to choose from the available
investment products.
ATRAM Trust is the first stand-alone trust
corporation in the Philippines and is duly-licensed
by the Bangko Sentral ng Pilipinas (BSP)
Click 'Subscribe' in the Product Dashboard
You can check the product
dashboard to track your fund's:
(1) Historical Performance
(2) Latest NAVPU
Take Note
If your risk profile is lower than the risk
classification of the fund you chose, you
must read and agree with the waiver that
will be presented,
sovcina |.) OF.Step 3
Enter the amount you want to invest.
Take Note ===~==~ ~
You need to understand and
agree to the terms before you
confirm your subscription
Step 5
Wait for your subscription order to be allocated.
1
1
i
I
Take Note: ----------- he
\
! Orders placed before the cut off time |
; will use the NAVPU of the same day. !
| Orders placed after cut off time will use |
\ the NAVPU of the next business day.
’
Step 4
Read the terms of subscription
You will be able to view your pending orders when
you open Pending Orders on the Invest Money
Dashboard.
Take Note
! Orders that are not yet approved are called
| Subscription Orders Placed. Once approved, you'll
| be able to track your confirmed Subscription
\. Orders in your Invest Money Transactions History.
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1
I
1
'
!Step 3
Enter the amount you want to invest.
Take Note ===~==~ ~
You need to understand and
agree to the terms before you
confirm your subscription
Step 5
Wait for your subscription order to be allocated.
1
1
i
I
Take Note: ----------- he
\
! Orders placed before the cut off time |
; will use the NAVPU of the same day. !
| Orders placed after cut off time will use |
\ the NAVPU of the next business day.
’
Step 4
Read the terms of subscription
You will be able to view your pending orders when
you open Pending Orders on the Invest Money
Dashboard.
Take Note
! Orders that are not yet approved are called
| Subscription Orders Placed. Once approved, you'll
| be able to track your confirmed Subscription
\. Orders in your Invest Money Transactions History.
suet [7] OB,
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1
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1
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!1. View Investment 2. Click ‘Redeem 3. Enter the amount you
Products in the dashboard. want to redeem.
4, Confirm your order by 5. Wait for redemption
agreeing to the Terms of proceeds to be credited.
Redemption.Frequently Asked Questions
e Can | transact in Invest Money through USSD or STK?
No, GCash Invest Money can only be accessed through the GCash App.
e Is GCash a distributor of the investment products on
Invest Money?
No, GCash is not a distributor of the funds you see on the app's Invest
Money function, GCash simply makes the fund available to its users via
the “Invest Money” service on the GCash App.
® How many investments can one person have at a single
time?
A GCash user can invest in each of the investment funds available on
Invest Money (there will only be one for the Beta launch).
@ What do | do if | no longer have access to my GCash
account but | want to keep my investments in the funds?
Will I still be able to access my investment?
You can still access your investment by contacting ATRAM Trust directly
at customercare@atram.com.ph or 750-5644,
e Will | be charged any additional fees for transacting via
Invest Money?
There are no additional fees charged to the user. Only the standard
management fees that go to the product provider are charged, and these
are already included in the computation of the fund's NAVPU.
2
2 Got questions? Contact us at:
(2882 [\) investmoney@gcash.com Ei GCashOfficial
FamntyAsscunton |) 17,