The ATRAM Global Allocation Feeder Fund is a flexible, go-anywhere fund that invests across global stocks, bonds, and cash, with the managers free to shift the mix as conditions change. Here's what it holds, who it suits, and how to invest through DragonFi.
What is the ATRAM Global Allocation Feeder Fund?
It's a multi-asset UITF structured as a feeder fund, which means it channels almost all of your money into a single larger fund. That fund is a balanced one: rather than holding just stocks or just bonds, it invests across equities, debt, and short-term securities worldwide, issued by both companies and governments. It is managed by ATRAM.
What does it invest in?
Through its target fund, it invests globally in equity, debt, and short-term securities of both corporate and government issuers, with no prescribed limits. That last part is the defining feature: the managers are not locked into a fixed split like a traditional 60% stocks and 40% bonds portfolio. They can raise or lower the amount in stocks, shift between government and corporate bonds, hold more cash, or add exposure to areas like precious metals, depending on where they see opportunity and risk. Its performance is measured against a composite benchmark blending US and global stock indices with US and non-US government bond indices.
What's the target fund?
At least 90% of the fund's assets are invested in the BlackRock Global Funds, Global Allocation Fund, managed by BlackRock. This is one of the longer-running global balanced strategies available, dating back to 1997. For its current holdings and the full breakdown, see the fund's page in the DragonFi app.
Who is this fund for?
This fund may suit you if you:
- Want a single, broadly diversified fund rather than picking asset types yourself
- Prefer to let professional managers decide the mix as markets shift
- Want global exposure with a somewhat smoother ride than a pure stock fund
- Are investing for the medium to long term
What's the risk level?
This is an aggressive-risk fund, the highest of the three risk bands. Holding bonds and cash alongside stocks can soften the ride compared with a pure equity fund, but it still carries meaningful market risk. It's also exposed to interest rate movements through its bonds and to credit risk from corporate issuers. Because the underlying investments are in foreign currencies, exchange rate movements also affect your returns. Returns are not guaranteed.
Can I hold this in a PERA or Regular account?
This fund is available through a Regular DragonFi account. It is not one of DragonFi's PERA-eligible funds.
What are the fees?
Like all UITFs, this fund charges a 1.2% per annum trust fee, already deducted from the fund before the daily price is calculated, so you don't pay it separately. Because it's a feeder fund, you also indirectly shoulder the small expenses of the underlying target fund. Fees can change over time, so for the exact current trust fee, check this fund's page in the DragonFi app.
What's the minimum investment?
You can start investing in this fund for as low as ₱1,000 on DragonFi, and you can add to it any time.
How do I invest in or add to this fund?
You can invest in or top up this fund directly in the DragonFi app in a few taps. You can also set up Auto Invest to invest a fixed amount on a regular schedule. For the full steps, the daily cut-off time, and how your buy-in price (NAVPU) is set, see the "How to invest in a fund" article by DragonFi. One thing to know about feeder funds: because the target fund is based overseas, your order may be priced with a slight delay compared with local funds.
How do I sell or redeem it?
You can redeem some or all of your investment in the app whenever you like, with no fixed lock-in period. Because this is a feeder fund, proceeds usually take a little longer to arrive than they would for a local fund, since the money comes from the overseas target fund. Proceeds are credited within 7 to 8 business days. For details, see the "How to sell or redeem a fund" article by DragonFi.
Where do I see the current NAVPU and returns?
The live price (NAVPU) and the latest returns are always shown on this fund's page in the DragonFi app. We don't list those figures here because they change every day, so the app is your most up-to-date source.
Good to know
- Go-anywhere by design. Because the managers aren't tied to a fixed stocks-and-bonds split, this fund can look quite different from one year to the next. That flexibility is the point, and it's also why its results can differ from a standard balanced portfolio.
- A one-fund option. Its broad spread across asset types and regions makes it a common choice for people who want a single, diversified holding rather than assembling a mix themselves.
- Currency moves matter. The underlying investments are in foreign currencies, so exchange rates affect your returns alongside how the investments themselves perform.
Access the fund page here:
ATRAM Global Allocation Feeder Fund | DragonFi
This fund is not a deposit and is not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns are not guaranteed. The fund's price (NAVPU) can rise and fall, so you may get back less than you invested, and past performance is not indicative of future results.