GInvest Review: A Newbie Investor’s Perspective

So what is GInvest?

As someone who’s only starting to invest — I currently only have two investments: the one that’s tied to my life insurance (VUL) and the house we’re paying for — I was really intrigued by GInvest. I thought I could give it a shot. And I did. Does it work? Is it worth it? Here’s a rundown of my experience so far.

What’s GInvest?

It’s a platform within a platform (the GCash app) that allows you to invest money — as low as P50 — in different entities. The idea is to empower people to invest more since investing, as a concept, can be quite daunting.

How to invest in GInvest?

Since it’s already on the GCash app, using the service is quite easy — it’s kinda like any other app where you fill out things and tap, tap, tap. You just have to be fully verified on GCash in order to use the service.

Just look for the GInvest icon on the app and take the risk appetite test so you know what your “investing personality” is. You can invest based on your risk appetite or invest however you want, it’s up to you.

Something to note, though, is that the different investment categories require different amounts to start with. It’s true that you can invest as low as P50, but other categories (the international ones) have a minimum of P1,000 as a starter amount.

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What I started with + a mini-review

The minimum investment amount was really what got me interested. So I took the test and was told my risk appetite is moderately aggressive. I invested in the fund recommended for my risk appetite.

I made an initial investment of P100 just to see how it goes. After the buy was confirmed, which took three days, I saw the P100 turned into P99~. I put in another P100 soon after.

After a few days, my fund became P200.83. It was not even a month since I started, though, so I kept my hopes in check.

I tried GInvest and here are my thoughts.

I’m still curious about the international funds (you can invest in Alphabet, Apple, etc.), but those require a bigger amount to shell out, so I’m holding off first.

GInvest vs digital bank

When I do get more funds on my GCash account, I will split the amount between investing and saving in my GSave (CIMB) account to see which one yields better results.

The interest rate offered by digital banks is notably higher than traditional ones; CIMB has a standard interest rate of 2.5% while traditional banks have an interest rate of .125% per annum for regular savings accounts.

Is GInvest safe?

If we’re talking security, yes. I’ve no problems with my account being mishandled by GCash in general. Even when I had trouble in the past (not related to GInvest), they were able to give me my money back. If we’re talking about safety in terms of risk investment, well, here are my two cents.

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The service is a way for us to try to make our money bigger. But it’s important to always remember that investing is a lot like gambling. You put your money where it might become bigger or smaller or stay the same.

Investing is a lot like gambling.

If you’re promised a guaranteed return with an amount that seems too good to be true, chances are it’s really too good to be true.

Trying the ATRAM Peso Money Market Fund

But I’ve read that government bonds are the way to go if you want a sure way to gain — don’t expect the return to be big though. There’s actually a fund in GCash for this under the ‘conservative’ category. The fund is described as something that ‘includes various Philippine treasury bonds.’ It’s a ‘fixed-income’ fund so you’ll always have your capital intact. (Outside GCash, you may also want to try the PAG-IBIG MP2 Fund.)

I tried this particular fund; it’s called ATRAM Peso Money Market Fund. I placed P150 in it and it’s earned .12 so far.

My experience so far with the ATRAM Philippine Equity Smart Index Fund

There’s also a well-known saying in the finance sphere that goes ‘The higher the risk, the higher the return.’ And I agree to some extent. But the word that should be highlighted there is risk. If you don’t think your heart can take a risk, don’t do it or you’ll end up with lots of regrets. As they always say, invest only the amount you’re willing to part with because there’s a real chance that things may go south.

Invest the amount you’re willing to part with.

Sharing another example from personal experience: I invested P250 in the ATRAM Philippine Equity Smart Index Fund (this is under the aggressive category a.k.a. the one for those willing to take bigger risks). The fund invests in only 30 companies, which include Globe, Ayala Corp, SM Investments, and Universal Robina.

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As of this writing, my P250 has turned into P233.36. I remember it earning P5 a month or so ago though. I didn’t sell my funds then because I want to see where things go in a year’s time. But this is proof that you really can’t tell. Some people claim to know just how the money market works, and good for them! But funds are dependent on so many things (the economy, political controversies, etc.).

Will I continue using GInvest? Definitely! I have a lot to learn and am still observing things, but my thoughts on its accessibility remain. If you’re curious, definitely check it out.

Interested in GForest too? Learn more about that here.

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8 thoughts on “GInvest Review: A Newbie Investor’s Perspective”

  1. I made a mistake in my GInvest Sell Order. I suppose to correct it, unfortunately, the GInvest system do NOT have that option to correct this mistake. now my 7k+ investment becomes 6k+, getting smaller and smaller. HOW TO CORRECT MY SELL ORDER?

    1. Hi. I think there’s no way to retract once you’ve placed a sell order. It also takes them a few days to process orders so perhaps it’s best to ask GCash or ATRAM directly.

    1. In terms of usability, there have been lots of bugs in recent weeks. But I check my orders once a week, so I don’t really encounter them much. If you’re asking about gains, though, I think it’s pretty standard for investments in general. Some weeks are good, some weeks are bad. So it’s still best to invest based on your personality (how conservative or aggressive you are). To give you a more concrete example, since posting this I’ve moved P200 to a fund for those with ‘aggressive’ personalities and I’ve lost give or take P20 on that. I gained I think P5 max in the past but it’s constantly been on the red in the past couple of months.

  2. Hello! I was starting my Ginvest 2 weeks ago and not expecting it to earn so fast. My concern, just in case my cellphone loss or sim card damage
    how can I recover my investment?

    1. Good to hear that you’ve been liking the service so far. I’m not sure how it is for prepaid users, but for postpaid, you may request temporary disconnection of your number if you lost your phone and report the incident to Globe’s customer service then request for a new sim card. For a more accurate answer, I recommend you check GInvest’s FAQ page. 🙂

    1. Yup, I sold my investment for the ‘moderately aggressive’ fund before and it was sent to my GCash account after 3 business days. But I think it depends on the fund you’re selling; some take more time. No hassle though; I’ve used the money to buy a different fund.

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