GInvest Fund Guide: ATRAM Peso Money Market Fund

GCash’s GInvest allows users to invest in a wide selection of stocks and bonds via investment funds for as low as PhP50.00. In this article, we break down all you need to know before investing in the ATRAM Peso Money Market Fund (ATRAM PMMF).

For a step-by-step run-through detailing the process of buying shares of investment funds through GInvest, see our guide: How to Invest in Mutual Funds with GCash.

For all you need to know about mutual funds, see our article: What is a Mutual Fund?

Fund Description

The ATRAM PMMF mainly invests in a portfolio of highly liquid fixed-income instruments with average maturities of one (1) year or less. The fund aims to produce higher returns than the regular bank deposit but will likely produce lower returns than a regular bond fund such as the ATRAM Total Return Peso Bond Fund (ATRAM TRPBF).

Based on the ATRAM PMMF Key Information and Investment Disclosure Statement (KIIDS), the minimum initial investment required is PhP50.00 and PhP50.00 for each succeeding addition.

Management Fees

As with any feeder fund, investors must consider the fees of both the feeder fund and the target fund it invests in.

Summarized below are the fees charged by ATRAM PMMF amounting to 0.71% charged as a percentage of the average daily net asset value (NAV) of the fund for each quarter.

Trustee Fee0.70%
External Auditor Fees0.01%


The ATRAM PMMF has no minimum holding period and no early redemption charges.

Investment Considerations


  • The fund lets you invest in a basket of liquid fixed income securities with an extra focus on capital preservation as opposed to sharp returns.


  • Investors may find a bond fund such as the ATRAM TRPBF more interesting if they can harbor the marginal increase in risk of the bond fund compared to a money market fund.
  • As with any investment, returns are not guaranteed and research is very much necessary.

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