Started to Invest in the ATRAM Global Equity Opportunity Feeder Fund

It's time to begin a new road into investing. I went from a moderate risk taker to a moderately aggressive risk taker. Of course, I need to be careful with how much money I invest or I don't invest the money that I need. I believe that one could start by investing 15% to 20% of one's income. Basically, it's money that's not needed now. Fortune Recommends gives this ideal sweet spot:

Many of the experts we spoke with suggested, as a general rule, to invest a set percentage of your after-tax income. Although that percentage can vary depending on your income, savings, and debts. “Ideally, you’ll invest somewhere around 15%–25% of your post-tax income,” says Mark Henry, founder and CEO at Alloy Wealth Management. “If you need to start smaller and work your way up to that goal, that’s fine. The important part is that you actually start.”
Some budgeting strategies account for this, such as the 50/30/20 budgeting strategy, which breaks your monthly budget into three categories: your needs (50%), wants (30%), and the remaining 20% for debt repayment, savings, and investments.
For some, investing 10% of their monthly income isn’t feasible, but that shouldn’t be a reason to not invest altogether.
According to the Pew Research Center, even among families who earn less than $35,000 per year, one-in-five have assets in the stock market. Investing is less about how much you’re investing and more about how much time your investment has to compound or appreciate in value.

This is a description given for the ATRAM Global Equity Opportunity Feeder Fund:

The Fund seeks to achieve long-term capital appreciation by investing all or substantially all of its assets in an equity collective investment scheme that invests principally in equity securities in markets throughout the world including major markets and smaller emerging markets.

The syllabus gives this idea of what the ATRAM Global Equity Opportunity Feeder Fund has in store for the investor:

Compared to the ATRAM Global Technology Feeder Fund (read here) and the Global Consumer Trends Feeder Fund (read here)--I can now get involved in multiple sectors at once like I'm investing in an index fund. I can have a huge certainty that this isn't the Standard & Poor index fund that Warren Buffett recommends to American investors. Instead, this is focused on various sectors around the world where 56% is on American firms while it scatters in other countries.

I wanted to invest in the ATRAM Global Healthcare Feeder fund since it's got a lower aggressive rate. Instead, I felt that if I invested in thematic investing--I might be at a better advantage. Sure, I'm not going to pull out my other two funds just yet. What I want to do right now is to cost-average an intended fund into this one for maybe a year or two. Maybe, I can drop at least PHP 2,000.00 per month depending on the NAVPU. I might invest more should the NAVPU be lower.

So far, I've just begun another investment journey. I took a Metrobank Equity Tracker Fund. I'm still invested in the ATRAM Philippine Equity Smart Index Fund. The rule of thumb that I always feel is this, "Never invest hoping to get rich quick fast. Invest only what you can afford not to use now."

Comments

Filipino First Policy Also Responsible That ONLY 2/10 Pinoys Have Emergency Funds

Yes, it's been a day since Typhoon Tino. It was a stormy, scary time, and I thought about how expenses were piling up after I was hit by Typhoon Odette . Thankfully, I had contingency savings at that time. However, with Uswan moving upwards and entering another area of the Philippine Area of Responsibility, I considered the issue of emergency savings. I thought about how Christmas can be the most stressful time of the year, with issues such as traffic caused by last-minute Christmas shopping . This time, I thought about some not-so-surprising statistics on Filipinos. It turns out that only 2/10 Filipinos have enough emergency savings . This should be considered disturbing, and this is another thing I failed to consider in my younger, more foolish years, according to the Philippine Star : Commissioned by insurance firm EastWest Ageas, the PURPLE Report conducted by consumer intelligence company NielsenIQ showed that most Filipinos only have P50,000 in emerg...

Confusing Foreign Direct Investment for Foreign Imperialism for the Bajillionth Time

I guess those fools of the Philippine Anti-Fascist League (and many of its deluded supporters) either refuse to get it or are blatantly lying. Almost every rally held by what many believe are CPP-NPA legal fronts also confuses foreign investors for foreign invasion or even foreign imperialism . Once again, do I need to say that 100% FDI ownership is all about the shares and not land ownership ? What makes it even more hypocritical is that they are actually recording these things on imported media . They're sharing their anti-FDI rants using imported devices, imported platforms, and imported social media (read here ). When I do ask them on Facebook, they say how can they take them seriously and that they're "simply forced to participate in capitalism". Did anybody (especially those they call "evil capitalists") force them to buy the expensive Apple equipment when they could've settled for Xiaomi or Huawei? A simple research on the dictionary will tell us...

Should Noynoy Aquino be a Valid Excuse to Reject Econ Cha Cha?

Philippine Star Updated January 25, 2025 This may be a touchy post. Politics is often a source of fights during parties. That's why we're told not to talk about politics during parties. Unfortunately, some people on Facebook are now using the late Benigno Simeon "Noynoy" C. Aquino Jr. as an excuse not to execute even economic charter change. Never mind that blatant supporter of Atty. Maria Leonor "Leni" Gerona-Robredo, Andrew James Masigan, supports economic charter change . The late Charles Edward P. Celdran was also an anti-Duterte critic. As I looked at some okay boomer posts, I'm not surprised at people who still use Noynoy as an excuse to shout with all their might, "No to economic charter change!" Somebody posted on Facebook the following. As always, I won't publicly shame anyone. If possible, I will only refer to them by codenames or use the name Anonymous. I want to remain as professional as possible. This person said that under N...

Why the DSWD Still Needs PRIVATE Sectors in Disaster Relief Operations

DSWD Field Office 7 - Central Visayas It's disheartening to know that after the Bogo earthquake in Cebu last September 30, 2025. Today, an earthquake Davao Oriental this day on October 10, 2025. It's sad to think that today is October 10, which is the Double 10 celebration for Taiwan . Right now, it's effortless for fools on Facebook (which is ironic) giving anti-capitalist, anti-business rants, never mind that even Vietnam is no longer solely dependent on State-Owned Enterprises! Instead, it made me think of the COVID-19 incident all over again, such as how Foodpanda and Grab, both foreign delivery services , have been helpful to Filipino businesses . Some idiots said on Facebook (and as always, I will not mention their names, they're public figures ) that it is the workers who did the work, not the owners, and that the government should provide everything. One crazy comment I got from someone on Facebook was, "Why should there be private enterprises? The DSWD is ...

Trying to Understand More About the Philippine Equity Smart Index Fund

There was a time when I had some excess savings. I was worried my money was getting idle . Sure, savings is king but letting it sit idle in a savings account can be a bad thing. Sure, I'm having my AXA Chinese Tycoon Fund for some time and I haven't withdrawn a single cent from it. I decided to use GCash and found out how it's actually convenient. With GCash, there's also GInvest. One of GInvest's greatest products for me to indirectly get into stocks would be the Philippine Equity Smart Index Fund. I placed a few pesos at first because of the low rate. However, I decided to aim to invest at least PHP 1,000.00 per month (or more during a dip but not too much either) or reach a certain target before the year ends. Of course, I've got to curb my impulsive behavior by choosing not to invest too much and not have savings. The ATRAM Philippine Equity Smart Index Fund combines both active and passive investment. Some people prefer purely active or purely passive. It...

Helping Others is Good But Not to One's Own Expense

I advocate for helping others. I believe in helping others but there were times I overdid it. One time, I gave up so much that I had to be stopped. I was told, "If you gave everything now, how can you help others later?" I would donate some sums here and there, without thinking much. I'm not going to write them all. Some of them left me good while others left a bad taste (and a bad record) for me to endure. Sure, I want to help people but I tend to overlook the consequences. Some of the bad habits I had in the name of helping others are like: Being too generous with buying with credit. Eventually, I lost a lot of money which was never recovered . Some seasoned entrepreneurs may admit their own falls including the credit trap pitfall. Being too willing to give a discount without thinking about how it'd affect profits. Sure, a cheap price can draw people near. However, there are times when the prices of goods and services need to be raised to keep a business running. I ...

The Idiocy of Typing Anti-FDI Rants Using IMPORTED Devices, IMPORTED Platforms, and IMPORTED Social Media

Bulatlat It's very easy to open Facebook (or any related platform) and find lots of stupidity , right? There have been idiotic comments I find on Facebook such as FDI is this and that. We can find "thought leader groups" such as Alliance of Concerned Teachers, Anakpawis, Anakbayan, Bayan Muna, IBON Foundation, Kabataan Partylist, League of Filipino Students, and Philippine Anti-Fascist League (PH Antifa) who keep ranting about FDI as this and that. I even remember somebody dared to say that FDI caused Egypt to dry up. Ironically, North Korea and Venezuela, two protectionist countries, have very bad pollution problems. I'd blame it that they don't have the money to do a clean-up drive. How can you clean up a polluted river without the right equipment? How can you expect better power efficiency with outdated equipment that keep coughing up, cough, cough, lots of black smoke? All the talks on social media can be very funny. The big irony is that all calls for "...

A Lot of OFWs Can't Be Home for Christmas Thanks to the Filipino First Policy

It's just a few days before Christmas, right? I was reminded of how certain parts of the Philippines couldn't celebrate Christmas because of Odette (and I was included). Before Odette, there was also Typhoon Phantone which hit on Christmas Day . The idea that nothing goes wrong on Christmas is absolutely stupid. Some people even die during the Christmas season. Christmas gets so often associated with family get-togethers. However, some people wouldn't be home for Christmas when they could've. I'm once again talking about OFWs. Yes, they're working abroad not because they're out there "conquering the world". Instead, they're out there because of one lousy policy since Carlos P. Garcia. That's namely the Filipino First Policy . Once again, I dare say out loud that the Filipino First Policy caused the Philippines to fail . That's why I wrote that Filipino First Policy has no place in the rising Asian century (read here ). I was rather disg...

Weakened PHP and Why Economic Cha-Cha Regarding FDI Restrictions is URGENT

Dubai OFW The recent peso devaluation had happened in 12 years . Should it be a call for panic? It was a few days ago and I feel I didn't want to blog about it immediately. As said, I'm no financial adviser or the like--I'm just another guy who's writing on the Internet to help spread the knowledge of others. The current USD-PHP exchange rate is PHP 54.265 which makes me think about inflation. I feel like it might be time to evaluate car-buying policies in order to reduce traffic and how no garage-no car policy should be implemented. I checked Singapore's gas prices and they're even more expensive. I think it would be more ideal to take public transportation in Singapore than to own a car. That's why I believe people need to learn to ride public transportation. Some entrepreneurs ride the jeepney or bus (when needed) without being ashamed about it. Powerful economies with currencies weaker than the PHP Before panicking--I think it would be good to take a lo...

Like Taiwan, the Philippines Can Beat China Economically But It Must Swallow "Filipino First", First!

Taiwan Economic and Cultural Office in the Philippines It's Chinese New Year's Eve tomorrow and this is an essay I felt like writing before the festivities begin. I did write about how Taiwan bested China back then during the time of Mao Zedong . Mao was running his planned utopia via protectionism and it failed miserably . The Great Leap Forward was nothing more than a spectacular failure. Deng Xiaoping had to learn from Singapore in order to bring China forward. I'm afraid that China is going backward at the cost of the Chinese citizens. I don't blame all the Chinese citizens but their government for any tensions. Meanwhile, Taiwan, according to The Heritage Foundation has a score of 80.1% in terms of economic freedom . It's noted as follows: Taiwan’s economic freedom score is 80.1, making its economy the 6th freest in the 2022 Index. Taiwan is ranked 3rd among 39 countries in the Asia–Pacific region, and its overall score is above the regional and world averages...

Business & Economics Perspective Blogger

Search This Blog