Investing PERSONAL FINANCE

ATR Em King Mutual Fund First Impression

August 12, 2016
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:


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
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
  1. Any two valid photo-bearing government-issued identification card or documents
  2. 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.


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. 

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?
Clariza Glino

Izza of SavingsPinay promotes financial literacy for the young and young at heart by providing insights and tips on budgeting, saving, investing and online entrepreneurship. Aside from this blog she also writes at www.izzaglino.com, a beauty and lifestyle blog for frugal Pinays and manages, www.izzagevents.com, a wedding and event business since 2011. For inquiries, topic suggestions or future collaborations email her at izza@savingspinay.ph