ATR Em King Mutual Fund First Impression

Here's a new first impression on a investment vehicle as a guide to first-time investors and those who are looking for diversification. Today we will be talking about ATR Em King Mutual Fund by ATR KimEng Asset Management. 

Quick Review

Mutual Fund is a perfect investment vehicle for beginners. It is an indirect stock investing wherein you let the trusted financial manager handle your investments. You own shares on the companies inside your specific portfolio through the investment you make. A mutual fund is also anchored accordingly to your objectives and what kind of investor you are. 

Other First Impression:

1. BDO UITF First impression
2. BPI Investment Funds First Impression
3. PNB UITF First Impression
4. Security Bank's UITF First Impression
5. Soldivo Mutual Fund First Impression
6. Philequity Dividend Yield Fund First Impression

Benefits of ATR Em King Mutual Fund

ATR Em King offers different mutual fund depending on your goal. They rose to fame by becoming the back to back best performing mutual fund on year 2013 and year 2014 with ATRAM Philippine Equity Opportunity Fund (first year) and ATRAM Alpha Opportunity Fund (second year).

You can do deposit your money through partnered banks including HSBC, BPI and/or BPO. 

You can download all the account opening forms online Click Link.

How ATR Em King Mutual Fund works?

ATR Em King is one of the best mutual fund in the country. Its been part of the Top Performing Mutual Funds for years proving its worth to the investors eyes. They offer seven (7) mutual fund registered with the Securities and Exchange Commission (SEC) namely:

ATRAM Philippine Balanced Fund, Inc.

• This fund is a balanced fund invested in Philippine fixed income and equity securities. 

• The objective of the fund is to seek total return through current income and long-term capital growth through investment in listed and non-listed equity securities in the country.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is moderate

ATRAM Philippine Equity Opportunity Fund, Inc.

• This fund is an equity fund invested in Philippine mostly equities.

• The objective of the fund is to seek absolute returns through long-term capital appreciation through investment in listed and non-listed equity securities in the country.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is very high

ATRAM Alpha Opportunity Fund, Inc.

• This fund is an equity fund invested primarily in small and mid capitalized equity securities. It is also strongly focused on companies with strong growth potentials.

• The objective of the fund is designed to achieve stable returns by investing in fixed income securities issued by the Philippine government and select companies.

• Minimum initial investment needed is 100,000.00

• Minimum additional investment is 50,000.00

• Risk Grading is very high

ATRAM AsiaPlus Equity Fund, Inc.

• This fund is the first local mutual fund to be invested primarily in Asian equity securities.

• The objective of the fund is to provide investors with long-term capital growth by investing on Asian equities through selected funds and listed stocks.

• Minimum initial investment needed is USD 2,000

• Minimum additional investment is USD 500

• Risk Grading is very high

ATRAM Total Return Dollar Bond Fund, Inc.

          

• The objective of the fund is to invest and reinvest mainly in a diversified portfolio of high quality long-term and short-term debt instruments and securities available in the Philippines and other countries. 

• Minimum initial investment needed is USD 2,000

• Minimum additional investment is USD 500

• Risk Grading is low to moderate

ATRAM Dynamic Allocation Fund, Inc. 

             

• This fund is a balanced fund invested in Philippine fixed income and equity securities.

• The objective of the fund is to seek total return through current income and long-term capital growth through investment in listed and non-listed equity securities in the country.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is moderate

ATRAM Corporate Bond Fund, Inc. 

• The objective of the fund is to achieve stable returns by investing in fixed income securities issued by the Philippine government and select companies.

• Minimum initial investment needed is 10,000.00

• Minimum additional investment is 5,000.00

• Risk Grading is moderate

RELATED:  How to Invest Your 5,000 Pesos

How to Open ATR Em King Mutual Fund?

1. For Individual Accounts prepare the following:

1. Duly and full accomplished Client Account Form. Available in the office of ATR Asset Management or Download for free on the websites www.atram.com.ph

2. Any two valid photo-bearing government-issued identification card or documents
3. Any other documents which ATR Asset Management may find necessary. This mostly depends on the type of mutual fund you want to open.  

2. You need to visit the office for your signature specimen and to pass all the needed documents. 

ATR ASSET MANAGEMENT

15th Flr. Tower One & Exchange Plaza,

Ayala Triangle, Ayala Avenue, Makati City 1200

3. Pay your initial investment through Check Payment or Deposit or Remittance on the Fund's Account. 

See below for the account numbers:

4. To process your initial investment you need to send a scan of your deposit slip at ird@atram.com.ph

5. You can access your investment status online through the ATR Em King Online Portal. You will be receiving an email with your login details after 2-3 banking days.

RELATED: How to Worry-Free Invest in the Philippines

My First Impressions

First and foremost the name of the fund is sooooo confusing. I actually can't remember it at all. ATR Em King Mutual Fund is another stable investment vehicle available for beginner and seasoned investors. Most of its mutual funds are seen in the Top Performing Mutual Fund in the Philippines.

The thing that strike me the most about ATR Em King is how cool and diverse their fund offering is. They have a mutual fund meant to be invested primarily in Asian equity securities. This is the first in the Philippines and though the amount is too high for beginners I am still amazed.

I love the fact their website offers detailed information about each mutual fund. This gives you a lot of time to understand which mutual fund is right for you. They also give information on the risk involved on each investment which is an absolute plus.

What fund will I choose if ever? In my personal opinion I will probably choose the ATRAM Philippine Equity Opportunity Fund since I am used to equity funds already with my first mutual fund, FAMI-SALEF. 

The CONS

1. Initial Investment is quite high. The initial investment for some of the funds is 10,000pesos. 
2. Top up of investments through bank. Now I'm not sure if they have an online payment already since I don't have first person experience with ATR Em King but visiting the bank and filling up deposit slip every time you invest can be a hard task. 

RELATED: Where to Invest this 2016 in the Philippines

Overall

Again since I already have my Mutual Fund I will say pass on ATR Em King at the moment. I am still hoping to open my first direct stock investment through COL-Financial at the start of 2017. ATR Em King is pretty solid as a mutual fund business in the country and I do wish the performance of the fund will be well especially in the coming holiday seasons. 

I hope this First Impression helped. Let me know if you have tried ATR Em King as an investment vehicle. Are you ready to invest?

PNB UITF First Impression

When it comes to investing vehicles to ride on, I am so proud that I chose a mutual fund first and foremost. It gave me such a big experience and big foundation to all the other bigger investments that I will be committing in the future. I felt so excited to grow my savings and open another investment every year for I know that investing is one way that I let the money work for me. Passive Income all the way!

Anyhow, today I’ll be reviewing an investment product from one of the well-known bank in the country. I accidentally found out about this when I was researching for a new blog post to create. I saw the website and the video and the explanation convinced me to research more on the said financial product. I am talking about Philippine National Bank’s Unit Investment Trust Fund.

BPI Investment Funds First Impression

Long time no first impression post. I miss doing this type of post because I know it could help others decide to invest. A good investment should be well-researched from advantages to disadvantages, ins and outs, etc. In today's post I will be giving my first impression on BPI Investment Funds.   BPI is a very common bank here in the Philippines and has been my bank of choice for so long.

Quick Review

There are different kinds of investment vehicle one can invest with. The list includes traditional investment vehicles like savings deposit, time deposit, treasury bills, etc. There are also non-traditional kinds like real estate and jewelries. BPI Investment Funds fall in the traditional investment vehicle category for it consists of several Unit Investment Trust Funds (UITFs) that are managed by BPI Asset Management.

Here in SavingsPinay I have published quiet a handful of post about Investing 101. Feel free to check below links:

1. How to Invest Your 5,000 Pesos - New!
2. I'm Just 21 Do I Seriously Need a Life Plan?
3. SAVINGSPINAY SERIES | Day 1 : Mutual Fund: Ano, Sino, Saan, Kailan, Bakit at Paano?
4. SAVINGSPINAY SERIES | Day 2: Gabay sa Tamang Pagpili ng Mutual Fund
5. SAVINGSPINAY SERIES | Day 3: 5 Bagay na Dapat Mong Malaman Tungkol Sa Mutual Fund
6. SAVINGSPINAY SERIES | Day 4: Kaya Mong Yumaman sa Mutual Fund
7. Saving and Investing Tips for 20-somethings
8. SavingsPinay Series: Yumaman sa Mutual Fund!
9. Security Bank's UITF First Impression
10. Where to Invest this 2016 in the Philippines

Unit Investment Trust Fund (UITF) is a type of investment wherein your investments are handled with the bank instead of private financial institution just like mutual fund. The funds from clients of similar investment objectives are pooled together into one fund and aims to give maximum possible returns.

How BPI Investment Funds work?

BPI Investment Funds includes a wide range of investment products. Each fund seek to offer potential higher returns that a regular savings account provide. There is a fund for a particular investor personality that I'll be discussing on the later part of the post. 

What is BPI Asset Management?

BPI Asset Management manages all funds under BPI Investment Funds.  They manage the assets of both institutional and individual investors through innovative investment products and solutions. The goal of BPI Asset Management is to deliver above high return possibility over its client's investment horizon. BPI Asset Management is regulated by Bangko Sentral ng Pilipinas (BSP). For more information CLICK HERE.

BPI Investment Funds consist of the following:

Tax Exempt Fund

•      BPI Institutional Fund

Peso Money Market Fund

• BPI Short-Term Fund - a money market unit investment trust fund being offered for investors will small capital. You can start the fund wth 10,000 pesos initial investment and can add-up a minimum of 1,000 pesos per transaction.

Peso Bond Funds

• BPI Premium Bond Fund - seeks to achieve capital growth and income from a diversified portfolio of primarily medium term fixed income instruments >>>

• BPI Gold Fund

• ABF Philippines Bond Index Fund - is a peso bond fund that seeks to achieve its investment return that closely track the total return of the iBOZZ ABF Philippines Index 1-10 years index. The fund is primarily invested in peso denominated eligible sovereign and quasi-sovereign bonds. 

Peso Balanced Fund

• BPI Balanced Fund - goes well for investors who seek long term capital growth from a diversified portfolio of equities listed or soon to be listed in the Philippine Stock Exchange >>>

Peso Equity Fund

• BPI Equity Fund - also seek to achieve long term capital growth and invests on equity securities issued by Philippine domiciled companies. It invests 50% to 100% of its portfolio in local equities depending on the condition of the current market and the BPI Asset Manager's outlook. >>> 

USD Bond Funds

• BPI Global Philippine Fund - achieve investment returns by investing primarily in foreign-denominated fixed income instruments issued by the Philippine government, corporations and financial institutions >>>

• BPI International Fund Plus - seeks to achieve capital appreciation and income also from a diversified portfolio of foreign currency-denominated fixed income instruments >>>

• Philippine Dollar Bond Index Fund

USD Equity Fund

• BPI Global Equity Fund - achieve its investment returns that closely track the total return of a US dollar denominated index, the JPMorgan Asia Credit Index - Philippines. >>>

Benefits of BPI Investment Funds?

• Funds focus on undervalued and lower beta names with shorter duration and diversification principles consistent with capital preservation
• Best suited for individuals who are generally conservative, looking for stability, minimal volatility and certainty of income
• Has wide array of investment products you can choose from. You'll certainly find the one that best suit your need and interest
• Low Initial Investment
• Access your investment funds on any BPI branches nationwide or via internet through BPI ExpressOnline. Also you are not limited to your branch of account for your investment transactions. You can subscribe to or redeem from any branch or online. 
• Invest anytime as your subscription and/or redemption are received anytime within the banking hours. 
• Easily Enroll your fund in the Regular Subscription Plan. This is an investment program that allows you to nominate a regular subscription amount for purchase units on a periodic basis either monthly or quarterly. This is advantageous if you want to be consistent with your investments and you won't need to visit a BPI branch anymore. The additional investment to BPI Investment Fund you are enroll with will be automatic. 

How to Open a BPI Investment Fund?

1. Opening a BPI Investment Fund is easy. All you need to do is download, read and fill up the Account Opening Form. It is an 8-page PDF document that includes Investment Account Application, Client Sustainability Assessment, Participating Trust Agreement and Risk Disclosure Statement.

2. The form must be printed, filled out and signed.

3. The documents will be submitted to any preferred BPI branch. 

CLICK HERE FOR THE ACCOUNT OPENING FORM

My First Impressions

BPI has long been a top choice when it comes to bank in the Philippines. They are very respected when it comes to banking and finance. I opened a BPI Express Online Savings Account as well as BPI Direct Save Up + Insurance Savings Account through BPI and I am one happy customer. I love that they've made banking very convenient with a lot of branches here and there plus the online banking through BPI Express Online.

Other Pros

1. BPI Asset Management 

BPI Asset Management is the leading investment manager for many of the top individuals and institutions in the country. It has proven and unbeatable track record with 24/7 online financial reporting system. You can trust that your money and your investments are taken care of.

2. Most of their investment fund products lead the charts

If you'll search on the Top 10 Best Performing Mutual Fund you'll surely bump to not just one but two or more investment products from the BPI Investment Funds. This goes to show that the asset managers are doing well in their job of providing the best possible returns for its investors. 

3. Thorough Information About Each Investment Product

 

The website of BPI gives a detailed information for each investment product and this is very helpful especially for beginners. They give ideas to whom the investment fund is perfect for and thorough guidance on what to do next

The Con

1. High Initial Investment

BPI Investment Fund's initial investment starts at 10,000pesos unlike FAMI Mutual Fund. 

Overall

BPI Investment Funds offer variety for the public. They have various kinds of investment products for anyone's investment goal, starting capital and investment horizon. A BPI bank can be found almost anywhere so it is definitely easy to coordinate with bank manager and open an account. 

I hope this post helps. Below are other first impressions I did so far:

1. PNB UITF First Impression
2. BDO UITF First impression
3. Security Bank's UITF First Impression
4. BPI-PHILAM Savings/Protection First Impression
5.  BPI DIRECT SAVE-UP plus INSURANCE FIRST IMPRESSION

MORE POSTS TO READ:

1. My Pampanga 2D+1N Itinerary and Expenses - New!
2. My Tagaytay 2D, 1N Itinerary + Expenses
3. Personal & Financial Goals for 2016
4. SavingsPinay September Quick Recap
5. SavingsPinay's August Quick Recap + Join Our Facebook Forum Group!!!
6. SavingsPinay's Best Posts in 2015
7. SavingsPinay's October Quick Recap
8. SavingsPinay's Year-End Review + December Quick Recap
9. So I'm Doing the 52-Week Money Challenge This Year
10. St. Peter Life Plan: Is it Worth the Investment?

Where Does Your Income Go?

This blog already moved to www.savingspinay.ph If you want the latest tips and stories on budget, savings, investments, productivity and making extra income go HERE instead.

Am I the only one excited for Friday pay day?! I bet most of us are looking forward to this also.
Today as a precaution for everyone I decided to create a post as to where does your income go. Here you'll find necessary guidelines and general tips on how your income should be distributed. Before reading the rest of the post I recommend checking the following related links:

All About Sweldo in the Philippines

Studying Your Payslip

Saving Tips for Those Who Are Living Paycheck to Paycheck

The Three Types of Income

The Secrets Behind Creating Multiple Sources of Income

More Proven Ways You Can Diversify Your Income

Turning Your Salary to Income

Where Does My Income Go?

Every pay check I go over my 50-20-30 Rule of Budgeting Template and distribute my net income in the same manner. I have talked about 50-20-30 Rule of Budgeting on the blog and just last June I believe I finished revising the template and creating an e-Guide that will go along with the file. If you are already part of the SavingsPinay FB Community then you can download it for free under Files. If you are a newbie reader then please send me an email request at izzaglinofull@gmail.com for your own copy.

Currently my income is sliced on the following expenses.

First Paycheck (15th of the Month)

50% - Food and Transportation Allowance for the next 10-11 days of work

        - Monetary gift to my parents

20% - Savings

       - FAMI-SALEF Investment

30% - Relaxation, Toiletries/Other Personal Care, Book and Others

Second Paycheck (30th of the Month)

30% - Food and Transportation Allowance for the next 10-11 days of work

50% - Savings

       - Emergency Fund

20% - Relaxation, Toiletries/Other Personal Care, Book and Others

Notes:

• I spend a lot on Food and Transportation since I work in Makati and my transportation alone is 120pesos back and forth. 
• I have mentioned on My New Budget and Spending Tracker how I track my spending. I believe this what makes the big difference when it comes to managing your money. The ability to track everything you spend on a particular day. Once you have master this you will surely earn financial discipline that your future self will thank you for. 
• My Second Paycheck (30th of the Month) is usually bigger than my first paycheck (15th of the Month) so I maximize it to go automatically on my emergency fund. How? I have two Metrobank Accounts, my payroll account and my personal account. I transfer immediately a dedicated amount from my payroll account to my personal account through online banking. READ: The Different Saving Funds You Should Own
• I invest!!! If you still have no idea on how to invest I encourage you to check last week's post How to Invest for Beginners in the Philippines. I added a quick story on how I became an investor at 19 years old.
• Monetary Gift to my parents. Actually my parents don't ask anything from me (from us) at all but if you still remember my 20-something panic I have this thing for my parents... I feel like there's so much they deserve and I want to do for them so badly. My gift isn't much but my hope is it could ease their financial burden somehow. 
• Of course I need my relaxation and personal pampering once in a while. And by once in a while I mean once a week. To be honest this is a big loop hole in my finances and I know that I could save a lot if only I stop being such an impulsive shopper. If you go over my personal blog you'll know I had my mani-pedi experience at Let's Face It Trinoma, I also buy a new book every pay day and once a month I do some shopping. Last Monday's post on 4 Useful Tips to Live Within Your Means is a reminder for me to still live frugally no matter what. 

Do You Have Any Side Jobs?

Now aside from my income (salary) I also make extra money through the many side jobs I do. This isn't a surprise for those who have been reading SavingsPinay since the beginning. My side jobs allowed me to save more, invest more and share more. This is something I am always thankful for to God --- that He blessed me with such gifts that turned me into a money-making machine. My post All About Making Extra Money in the Philippines will prove you that there is soooo much ways you can earn extra income. 

Currently here are the hustles that let me earn extra on the side:

1. Event Hosting for all Occasion is something started when I was 17 years old college student. I earn per event or special occasion I book.
2. Wedding Planner/Wedding Coordinator is something I venture after a year of hosting. I have a passion in planning events and wedding in particular give me so much happiness. I gathered my own wedding coordinator team and have been to Tagaytay, Antipolo, Batangas etc.
3. Makeup and Hairstylist for Special Occasion is something I offer once in a while. I do hair and makeup for brides, entourage, debutant and guests.
4. Blogging. My blogs SavingsPinay and IzzaGlino both started as a hobby and now they manage to give me some side income. I earn through ad spaces, sponsored post, blog contents and affiliate marketing. I also manage to get clients thanks to my blogs since it became my online portfolio. 
5. Freelance Writing. Writing has been part of my life since the beginning. I've been part of the school newspaper from elementary to high school. I took up BS Journalism in college and I currently work as a Technical Writer in Makati. It became apparent that I will become a freelance writer someday. It was the book So You Want to be a Freelancer that motivated me to enrich my writing skills and offer my service. Today, I work  part-time on an SEO Content Writing Service based in Bangkok, Thailand. 

The money I get from side hustle related to event from hosting, coordination and hair&makeup are all paid in cash so it is actually harder to keep. My next action it to open a passbook savings account in BDO since the minimum initial money I need to is only 5,000pesos. I believe having a passbook will ultimately help me track my earnings. My plan is to deposit my earning as soon as possible to my passbook savings account. 

All my Blogging earnings are still on hold since I haven't reached my payment threshold yet. It is actually harder to earn money blogging than I thought plus the fact that I only started getting serious in transitioning blog to business come early 2016. 

My freelance writing payments are well-kept on my Paypal account and I use primarily on online payments like buying this blog's theme of Etsy. 

What Should You Do with Your Extra Money?

If you have any extra money whether it came from a side job, bonus or unexpected gift then here are some recommendations on where you should invest it:

1. Save it

Excess cash can be used to fund your savings. Open a new savings account or use any separate account your have deposit it. 

2. Invest it

You can also choose to invest your extra money on a mutual fund or Unit Investment Trust Fund for example. These type of funds are perfect for beginners plus opening fee are most likely 5,000 to 10,000 pesos only. Below are some mutual fund, UITF and other investment options I have discussed on the blog:

What is UITF Investment?

UITF versus Mutual Fund

PNB UITF First Impression

BDO UITF First Impression

Security Bank UITF First Impression

BDO Easy Investment Plan First Impression

BPI Investment Funds First Impression

ATR Em King Mutual Fund First Impression

Soldivo Mutual Fund First Impression

7 Advantages of Mutual Funds

Philequity Dividend Yield Fund First Impression | Guest Post

3. Use it

You deserve a reward for your extra hard work so why not use the money to go on a much needed vacation. You can also save all your extra money to buy your bigger expenses like luxury items, car, downpayment for a house etc. 

Final Notes From SavingsPinay

Knowing where you income goes is important because it gives you so much awareness when it comes to your finances. I don't know about you but for me, wondering where my money went over the last pay day isn't cool. I want to know exactly how I spent my income whether it's from my salary or the extra income I earn on the side. 

My Next Action For You are as follows:

1. Answer where does your income go? Grab a pen and paper and list down the areas where you spend your earnings from bills to unnecessary expenses. This will lead you to create you budget and will soon become your basis in managing your money every month, week or day.

2. Find a side hustle you can earn extra money! This next action is actually life changing. It could make or break your ability to earn money. Do you have any skill you can offer to others? Maybe you are good in writing too then start finding freelance writing gigs now. 

• Follow the SavingsPinay FB Group and join the conversation at : SavingsPinay
• Follow my official Facebook page at : IzzaGlinoFull
• Stalk some behind the scenes in my Instragram: @izzaglino
• Follow me too in my Twitter account: Izza Glino
• Subscribe to my Youtube channel: IzzaInTheUkayCloset
• Email me any question or topic suggestion at izzaglinofull@gmail.com
• Or leave a comment below!!!

This blog already moved to www.savingspinay.ph If you want the latest tips and stories on budget, savings, investments, productivity and making extra income go HERE instead.