ATRAM
ATRAM is the Philippines' largest independent asset and wealth manager, operating through ATR Asset Management and ATRAM Trust Corporation to offer 68 UITFs and 10 mutual funds with PHP 460.5 billion in AUM, serving retail, HNW, institutional, and retirement clients via digital platforms and partner channels including GCash and UnionBank.
- Company typePrivate
- Founded2009
- HeadquartersMakati, Philippines
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What ATRAM does
ATRAM is the Philippines' largest independent asset and wealth manager, operating through two regulated entities — ATR Asset Management, Inc. (SEC-licensed mutual funds) and ATRAM Trust Corporation (BSP-licensed UITFs and trust services). Founded as a standalone business group in 2009 (spun out of ATR KimEng Capital Partners) and headquartered in Makati City, the firm manages PHP 460.5 billion (~USD 8 billion) in assets under management across 68 UITFs and 10 mutual funds spanning local and global equity, fixed income, and multi-asset strategies. It holds approximately 45% market share in the Philippine global feeder fund space and has been the recipient of multiple AsianInvestor and CFA Society Philippines awards.
The company runs a fee-based revenue model, earning management and trust fees of 0%–2.1% per annum on AUM, with tiered A-unit (standard) and D-unit (lower-fee digital) share classes. Its technology stack centers on two proprietary platforms — Seedbox (the Philippines' first local digital wealth management platform, launched 2016) and ATRAM Prime (a mobile-first onboarding app launched in 2024 with 8-minute account opening) — supplemented by risk-profiler, returns-calculator, and fund-selector tools. Distribution is multi-channel: direct digital self-serve, dedicated relationship managers for HNW and institutional clients, GCash GInvest for mass-market fintech, Pru Life UK's agency force for insurance-linked products, and (post-2025 merger) UnionBank's branch and digital network of 15M+ clients.
ATRAM serves four primary customer segments — retail investors, HNW/wealth clients, institutional investors, and PERA/retirement savers — through tailored solutions including PERA tax-advantaged accounts, institutional portfolio management, and financial advisor partnership programs. Following a 2025 investment agreement, UnionBank of the Philippines holds 27.5% of ATR Asset Management Inc., and the trust subsidiaries (UBIMTC and ATC) have merged under ATC as the surviving entity, creating a combined PHP 485 billion AUM platform. Recent strategic actions include thematic feeder fund launches with J.P. Morgan Asset Management and BSP PERA pilot-partner status, signaling continued product and ecosystem expansion within the Philippine domestic market.
ATRAM firmographics
Firmographics- Name
- ATRAM
- Legal name
- ATRAM Group
- Website
- https://atram.com.ph
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- ATRAM is the Philippines' largest independent asset and wealth manager, operating through ATR Asset Management and ATRAM Trust Corporation to offer 68 UITFs and 10 mutual funds with PHP 460.5 billion in AUM, serving retail, HNW, institutional, and retirement clients via digital platforms and partner channels including GCash and UnionBank.
- Ownership category
- akta.pro rank
ATRAM industry classification
Industry- Product category
- Asset Management
- NAICS
- Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA)
- akta.pro secondary industries
- Portfolio Management–Led RIAs (Discretionary/Model-Based) (FSAAACAC), Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where ATRAM is headquartered
LocationHeadquarters
- HQ city
- Makati
- HQ country
- Philippines
- HQ region
- Asia
Offices2 records
Markets served
ATRAM business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Management and Trust Fees: ATRAM earns management/trust fees on assets under management across its mutual funds and UITFs. Fee rates vary by fund class and product, ranging from 0% to 2.1% p.a. across its 68 UITFs and 10 mutual funds. As a feeder fund manager, fees are applied on the Philippine-regional wrapper layer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | A Units (standard) — higher fee, no minimum investment threshold |
| Subscription | Annual | D Units (direct/lower fee) — lower management fee, typically for digital self-service |
| Unit Pricing | Pay-as-you-go | PERA (Personal Equity and Retirement Account) — voluntary retirement savings with tax benefits |
Go-to-market motion4 records
Distribution channels7 records
Marketing channels6 records
ATRAM product offering
Product offeringCore offering
ATRAM is a Philippines-based independent asset and wealth manager operating through two entities: ATR Asset Management, Inc. (managing 10 mutual funds) and ATRAM Trust Corporation (managing 68 Unit Investment Trust Funds, trust services, and investment management accounts). The firm serves individual retail investors, high-net-worth wealth clients, and institutional clients with diversified equity, fixed income, and multi-asset funds, retirement products (PERA), wealth advisory, and institutional mandates, distributed via proprietary digital platforms (ATRAM Prime, Seedbox) and partner channels (GCash, UnionBank, Pru Life UK).
Product overview
ATRAM operates as a leading independent asset and wealth manager in the Philippines through two main entities: ATR Asset Management, Inc. (managing Mutual Funds) and ATRAM Trust Corporation (managing UITFs, trust services, and IMAs). The core product portfolio consists of 68 Unit Investment Trust Funds and 10 Mutual Funds spanning equity, fixed income, and multi-asset categories across PHP and USD currencies. These funds are distributed through multiple channels including the proprietary ATRAM Prime mobile platform, Seedbox digital platform, GCash GInvest integration, and direct sales. The company serves individual investors (retail and wealth clients), institutions, and business partners through tailored solutions including PERA retirement accounts, institutional portfolio management, and advisory services. ATRAM Group manages approximately PHP 460.5 billion in assets under management as of Q1 2026, with approximately 45% market share in the Philippine global feeder fund space.
Differentiator
Problem solved
Functional benefit
Brands
- ATRAM Prime: A mobile-first investment platform that aims to create worry-free futures by growing long-term wealth and simplifying the investment process.
- Seedbox
Products and services
- Unit Investment Trust Funds (UITFs) Professionally managed investment funds regulated by the Bangko Sentral ng Pilipinas (BSP), offering diversified investment across equity, fixed income, and multi-asset categories with 68 available funds.
- Mutual Funds SEC-regulated investment funds managed by ATR Asset Management, Inc., offering 10 mutual funds including equity, fixed income, and multi-asset strategies in PHP and USD denominations.
- ATRAM Prime Mobile-first investment platform enabling all-digital account opening in as fast as 8 minutes with no paperwork, providing access to professionally managed funds with dedicated client advisor support.
- Wealth Management Personalized investment solutions for individuals and families including tailored portfolios, multi-asset strategies, and comprehensive wealth management focused on growing, protecting, and optimizing long-term wealth.
- Institutional Fund Management Custom portfolio management solutions for institutions built on research-driven strategies and robust governance to help achieve long-term investment objectives with confidence.
- PERA (Personal Equity and Retirement Account) Tax-advantaged retirement savings product under RA 9505, offering tax credits up to 5,000 pesos (10,000 for OFWs), tax-exempt earnings, and estate tax exemption with contributions starting at 1,000 pesos.
- Trust Services Fiduciary services provided through ATRAM Trust Corporation including trust accounts, investment management accounts (IMAs), and comprehensive trust solutions for individual and institutional clients.
- ATRAM Nasdaq Equity Income Feeder Fund UITF providing equity income strategy that invests in the JPMorgan Nasdaq Equity Premium Income Active UCITS ETF, offering monthly income distributions with exposure to Nasdaq-100 listed companies through a covered call strategy; targets 9-11% annual income historically.
- ATRAM Global Artificial Intelligence Feeder Fund UITF providing exposure to companies driving artificial intelligence transformation; marketed as the first AI feeder fund in the Philippines, offering access to global AI-related equity securities.
Quantifiable outcome
- Assets Under Management grew from PHP 100 billion (2017) to PHP 314 billion (end 2023) to PHP 460.5 billion Q1 2026, demonstrating sustained growth and market trust.
- +2 more outcomes
Companies that use ATRAM
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles4 records
ATRAM technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature5 records
ATRAM partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- J.P. Morgan Asset ManagementcoreATRAM partnered with J.P. Morgan Asset Management as the target fund provider for the ATRAM Nasdaq Equity Income Feeder Fund. The fund invests in the JPMorgan Nasdaq Equity Premium Income Active UCITS ETF, which employs a covered call strategy on the Nasdaq-100 Index. J.P. Morgan is described as the world's largest active ETF provider. The partnership enables ATRAM to bring covered call income strategies to Philippine investors through the feeder fund structure.
- Bangko Sentral ng Pilipinas (BSP)coreATRAM is a pilot partner institution in the BSP's expanded Personal Equity and Retirement Account (PERA) program. The BSP signed agreements with banks and financial firms including ATRAM to expand voluntary PERA program, projecting PHP 100 billion ($1.7 billion) could flow annually into domestic capital market if one million Filipinos participate.
- Maya PhilippinesminorMaya Philippines is a pilot partner institution for the BSP's expanded PERA program, alongside ATRAM, G-Exchange Inc., Rizal Commercial Banking Corp., and Union Bank of the Philippines.
- Rizal Commercial Banking Corp. (RCBC)minorRCBC is a pilot partner institution for the BSP's expanded PERA program alongside ATRAM, Maya, G-Exchange Inc., and Union Bank of the Philippines.
- G-Exchange Inc.minorG-Exchange Inc. is a pilot partner institution for the BSP's expanded PERA program alongside ATRAM, Maya, RCBC, and Union Bank of the Philippines.
- UnionBank of the PhilippinescoreUnionBank acquired 27.5% ownership stake in ATR Asset Management Inc. while existing ATRAM shareholders retain 72.5%. The merger consolidates Union Bank Investment Management and Trust Corporation (UBIMTC) and ATRAM Trust Corporation (ATC), with ATC as the surviving entity. Combined AUM of over PHP 485 billion creates a leading trust industry player. UnionBank contributes digital expertise while ATRAM provides innovative asset management solutions. The merger is subject to regulatory approvals.
- Pru Life UKcoreStrategic partnership announced August 2023. PAMTC (Pru Life UK's trust entity) trust operations and fiduciary portfolio transferred to ATRAM Trust Corporation in November 2023 following BSP approval. ATRAM Investment Management Partners Corp. to acquire PAMTC entity by 2024. Pru Life UK and ATRAM co-develop and launch innovative customer-centric investment solutions. Partnership enables Pru Life UK agents to offer ATRAM's fund products alongside insurance products.
- GCash GInvestcoreATRAM expanded product distribution through GCash GInvest platform starting in 2021, offering funds including the ATRAM Global Artificial Intelligence Feeder Fund to GCash's large user base. The partnership democratizes investing by enabling account opening using existing personal data from partner institutions.
Scale indicators10 records
Recent moves9 records
Expansion highlights5 records
ATRAM competitors and assessment
Company assessmentDirect peers
- BPI Wealth: The wealth and asset management arm of the Bank of the Philippine Islands, offering UITFs, mutual funds, and private wealth services — directly comparable to ATRAM across retail fund products, institutional mandates, and digital wealth distribution in the Philippines.
- BDO Private Bank: BDO Unibank's trust and wealth management division offers UITFs, trust services, and private banking for affluent and HNW clients — a direct competitor to ATRAM's wealth and institutional segments in the Philippine market.
- Metrobank Trust Banking Group: Metrobank's trust and investment management arm provides UITFs, institutional trust, and personal trust services — directly competing with ATRAM Trust Corporation for both retail UITF assets and corporate/institutional mandates in the Philippines.
- First Metro Investment Corporation: One of the Philippines' leading investment houses, offering mutual funds, UITFs, and institutional asset management — a close comparable to ATRAM across investment products, market position, and target retail/institutional segments.
- Sun Life Philippines: Sun Life of Canada (Philippines) operates Sun Life Asset Management and offers investment-linked insurance products and mutual funds — directly overlapping with ATRAM's mutual fund business and its insurance-linked product partnership with Pru Life UK.
- Manulife Investment Management Philippines: Manulife Philippines offers UITFs, mutual funds, and investment-linked insurance through its agent network — a direct competitor to ATRAM for retail and wealth client fund products, and an analogue to its Pru Life UK insurance channel partnership.
- Security Bank Trust and Asset Management: Security Bank's trust banking group offers UITFs, personal management accounts, and institutional trust services — a direct competitor to ATRAM in the Philippine retail UITF and institutional trust segments.
- PNB Trust Banking Group: Philippine National Bank's trust banking group provides UITFs, trust services, and institutional asset management — a direct peer to ATRAM across Philippine retail and institutional fund management.
- Philam Asset Management: The asset management arm of Philam Life (AIA-affiliated), offering mutual funds, UITFs, and investment-linked funds — directly comparable to ATRAM's mutual fund operations and insurance-channel distribution model.
Emerging players
- Eastspring Investments Philippines: The Philippine affiliate of Asian asset manager Eastspring (part of Prudential plc), offering UITFs and feeder funds — competing in the same Philippine retail and institutional fund space as ATRAM, particularly in global feeder fund categories where ATRAM holds ~45% share.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ATRAM social profiles
Digital presenceATRAM compliance and trust
Trust signalCompliance3 records
ATRAM financial estimates
Financial estimateRevenue estimate
Valuation estimate
ATRAM leadership team
Management profileNumber of profiles
Profiles8 records
ATRAM subsidiaries and ownership
Company hierarchySubsidiaries2 records
ATRAM funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ATRAM M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ATRAM
What does ATRAM do?
ATRAM is a Philippines-based independent asset and wealth manager operating through two entities: ATR Asset Management, Inc. (managing 10 mutual funds) and ATRAM Trust Corporation (managing 68 Unit Investment Trust Funds, trust services, and investment management accounts). The firm serves individual retail investors, high-net-worth wealth clients, and institutional clients with diversified equity, fixed income, and multi-asset funds, retirement products (PERA), wealth advisory, and institutional mandates, distributed via proprietary digital platforms (ATRAM Prime, Seedbox) and partner channels (GCash, UnionBank, Pru Life UK).
Is ATRAM a public or private company?
ATRAM is a private company. It is classified as venture growth investor backed and is currently operating.
When was ATRAM founded?
ATRAM was founded in 2009. It employs 51 to 100 people.
Where is ATRAM based?
ATRAM is headquartered in Makati, Philippines, in the Asia region.
How does ATRAM make money?
One revenue line is on record: management and Trust Fees.
Who are ATRAM's main competitors?
Direct peers on record are BPI Wealth, BDO Private Bank, Metrobank Trust Banking Group, First Metro Investment Corporation, Sun Life Philippines, Manulife Investment Management Philippines, Security Bank Trust and Asset Management, PNB Trust Banking Group and Philam Asset Management. Eastspring Investments Philippines is listed as an emerging player.
Does ATRAM have an API?
No public API is recorded for ATRAM.
What industry is ATRAM in?
ATRAM's product category is Asset Management. Its primary akta.pro industry code is FSAAACAA, Comprehensive/Full-Service RIAs & Independent Wealth Managers, with a secondary code of FSAAACAC, Portfolio Management–Led RIAs (Discretionary/Model-Based). Its NAICS code is 523940 and its SIC code is 6282.