Last month, I finally had a chance to enable the GCash Invest Money feature on my account. I wasn’t able to get it done in the past because after some app updates my fully verified status was wiped out. I thought it may take a while for me to verify again but I was wrong. It only took a few minutes after sending IDs.

I should’ve done it in the past.

GInvest Dividend Paying Funds (ALFM Global Multi-Asset Income Fund)

Anyway since I was able to fully verify my account again, it is time for me to try out the new features that I have missed. One of them is the GCash Invest Money. Let’s discuss a few things about it and some insights about my experience in using it.

BTW, just a simple disclaimer, I am not an expert when it comes to Investments. I’m just really into trying this feature out and if it’s worth it then I’ll continue using it. We may need to check out some financial advisors about complex ideas about investing.

First of all, what is GCash Invest Money?

Well, from the word itself, it is the investing platform provided to GCash users. It allows you to use your GCash balance to subscribe to an investment, very straightforward.

Few terms to be aware of…

  • Subscribe – this is your way to buy an investment on GCash.
  • Redeem – to sell out your investment and turn it into GCash balance.
  • Risk Profile – is your willingness to take risks in making investments. It can be conservative, moderate or aggressive. Usually, lesser risks have lesser returns and a lower chance of loss. While higher risk can provide higher returns and higher losses. Your risk profile is determined by answering a few questions when Signing up.
  • NAVPU – this is also known as “net asset value per unit”. Since I am just a normal person and not a financial advisor, I’ll define this in a normal way too. When subscribing to an investment they’ll give you NAVPU, it is like when you buy rice 60 PHP per kilo. Kilo is the same as NAVPU. If you’ll buy rice for 90 PHP, you’ll get 1.5 Kilos. Meaning you invested 90 PHP for the value of 1.5 NAVPU. Gets? Hahaha.

How to get started with GCash Invest Money?

You must be a fully verified GCash user first.

Gcash account must be on fully verified status