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° FAQSra 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. 2 O 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 OdWhat 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: J @o_) 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. NX ei @) 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 rate scvartaga or eid 1! ‘arcsec ‘cir ion ta area cali you will give your money more. nn Ser enWhat 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. suet [7] OB, x 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, x 1 I 1 ' !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,