WHY GINVEST IS NOT FOR ME | Pros and Cons of GInvest of GCash | Investing Philippines

GInvest has been the most popular investment product in the Philippines in 2021. One year after they launched, I am here with a full review and walk-through. What products they offer, how you can invest in GInvest, and why it's personally not for me. This video is NOT sponsored, but as usual, you can expect the same transparency, honesty, and objectivity from this video.

Dealing with personal finances, especially since it’s not taught in school can be quite hard and confusing. I hope this video and this channel will help you out with the challenges we are facing right now with personal finance, entrepreneurship, and adulting in general.

►Outline :
0:00 - Introduction
1:07 - What is GInvest?
1:45 - Investments Available
3:06 - How to Invest
4:15 - My GInvest Experience
6:12 - PROS
7:25 - CONS
8:24 - TIPS
9:43 - Final Thoughts

►Sources/Links

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►SOCIALS

► Music Credit: DJ Quads
Track Name: “IT’S NEAR”

Disclaimer:
This video and description contain affiliate links where I may or may not receive a commission. This helps support the channel and allows me to continue to make videos such as this. I am not a financial advisor. Always do your due diligence.

KEYWORDS:
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[athenstar]

The thing with investment is that, there will always be risks. As what experts say:
1. Know everything first.
2. Risk apetite is different for each individual and each type of investment. One must have courage.
3. The longer time you stay, the bigger gains you'll have, so patience is the key.

[babyjhudiel]

GInvest actually works for me. I take advantage whenever the trend is down and purchase more during those times so when it bounces back up I'll get higher returns. :)

[rodinpilac]

Agree to all what you said Miss Charm! I'll keep on Investing on gcash since i'm a Moderataley Conservative Investor and i really don't need to pull out my investments once nakita ko bumababa siya because for me Investments are for long term. Thank you for this hope all Filipinos do their research talaga muna bago sila pumasok sa ganito.

[KuyaRap]

Agree to all points especially the reminder to know your own investing style, time horizon, and risk tolerance. If I can add, I think one other con is the fact that it's accessible via phone. If you lose your phone and other people were able to guess your GCash MPIN (unlikely, but still possible), then you also risk losing all of your investments. I personally haven't tried withdrawing my GInvest funds (I'm also down lol), but it's important to point out that the ease of access is a double-edged sword.

[jackotaco]

Pros: convenient, easy account opening, can invest as low as 50p, simple platform.
Cons: Limited investment products, expensive management fee/ high expense ratio

[Antoniovieira]

I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.

[degreeshift]

Actually what dragged your investment was the Consumer Trend feeder fund. I had these too :( During the time of your purchase, the main stocks of the fund had clothing retail brands; those products were severely affected during the pandemic as a result of the boom in online retailers which left retail giants with more cost (due to less physical shopping) and less sales (saturated market, less demand).

On the flip side, the tech feeder fund did give me higher returns (~10%) in 6 months.

Point being that there are some high risk, high reward options in GInvest, specifically the ATRAM funds. I totally agree that this platform is not for everyone.

[Nex-]

I already lost 2k but im doing peso cost averaging. I believe that we stiil on a dip market. And i will continue it 5 years up. I will used this on my dream business in the future.

[lionheartjhames]

I started ginvest last year and yes negative din ang returns ko. Pero I find it very convenient and itutuloy ko parin since medium term investment ko naman sya. Diversification din ang main reason ko. We can do different investments naman at the same time. Thank you sa inputs mo Charm. As always very straightforward and honest mo 😊😊

[JamZulueta]

Agree that G invest is not for everyone. Same goes with any type of investment. It depends on your risk appetite, investment horizon, age, among other things

[PaoloFernandEstrabo]

I agree. To be honest, I transferred my money from GInvest into GoTrade to Invest in ETFs like VOO

[kevcurry]

True, tried this almost 2 years na, lugi pa. Might move this after 1-2 yrs to COL atleast u call the profit/loss. Yun din prob sa ginvest, hirap itrack ng actual gains - need po icompute magkano input mo vs current credit. And lastly if magwidraw ka, there's a like 3-5 business delay(so price varies?) ata + fees( not really sure). Not really recommending to new investors

[saitvbudol]

salute sayo ate grabe napaka transparent mo sinubaybayan ko din yang gcash investment mo then nag invest din ako so ayun lumiit din ung pera na pinasok ko hehehehe

[riza]

I'm currently using Ginvest and it works for me since I only sell high while buy low which requires a lot of patience considering everything in the process takes a lot of time.

[dadalonglegs]

9:40 Looking ahead positively, how much could be your ROI after 3-5 years in GInvest?

[michaelpepito]

Ang dami ko pong natutunan ms. Charm ♥️🙂
Thank you po sa pag share ng experience.

[bryancanete]

Naabot ko ung channel mo dahil nag invest din ako sa gcash😄 prepare na talaga tau sa loses pero sa ngayon tumaas naman siya isang buwan palang

[johnlee]

I do peso cost averaging. So far for a year Im happy with the returns. 8.70% yield for my investments and Ill continue to invest regardless of market performance.

[Maria-bpmq]

Hi! I've been watching your videos and has had helped me a lot when it comes to financial literacy.

A little comment lng and I hope I don't come out as rude. Regarding your audio/voice, since you have a nice mic nmn, I think it'll be better if you lessen/modulate your voice or volume(?) a little. Baka ako lng but I always find it too loud like almost shouting or too in-your-face when you talk which is a bit irritating to hear that I always have to lower my volume. Hope you take this constructively. Yun lng. Thank you!

[alecxandrabegaso]

randomly, i was finding a good feedback video here in yt about ginvest and this is very helpful to me as a new started investor in ginvest. thank you very much charm, this is very helpful to me.