The year 2025 marked an important turning point for many investors. After several years of uncertainty driven by inflation shocks, aggressive interest rate hikes, and global geopolitical tension, markets finally began to reward patience, discipline, and long-term positioning.
Rather than a broad-based rally where everything moved together, 2025 was a year of differentiation. Certain sectors benefited from very specific economic and structural forces, while others lagged behind.
Investors who were exposed to global markets, thematic opportunities, and essential industries saw stronger outcomes compared to those who remained concentrated or overly defensive.
The best performing funds on Rampver Online in 2025 reflected this shift. These were not random winners. Each fund was aligned with a clear investment theme, backed by real businesses with earnings, cash flows, and long-term relevance.
This article takes a deeper look at each of these funds. Not just their net returns (net of all management fees and taxes), but where they invest, how the underlying companies make money, who manages the assets at the global level, and what investors may want to consider as they look ahead to 2026.
Top 1 Fund: ATRAM Global Financials Feeder Fund
2025 Net Return: +42.67%
The ATRAM Global Financials Feeder Fund is a feeder fund. This means it pools investor capital locally and invests into a global target fund that specializes in financial sector equities. The target fund is typically managed by an established international asset manager with deep expertise in banking, insurance, and financial services investing.
ATRAM acts as the local fund manager, overseeing fund selection, risk alignment, and regulatory compliance, while the underlying portfolio construction and security selection are handled by the global manager.
The target fund focuses on large, systemically important financial institutions in developed markets. These are companies that form the backbone of the global financial system. They include commercial banks, investment banks, insurance providers, asset managers, and financial infrastructure companies. The target fund typically holds systemically important financial firms, such as:
JPMorgan Chase, Bank of America, Citigroup – commercial and investment banking
Goldman Sachs, Morgan Stanley – capital markets and wealth management
Visa, Mastercard – global payment rails that earn fees on transactions
BlackRock – asset management and ETF dominance
Allianz, AXA, Prudential – global insurance franchises
These firms generate revenue through lending, advisory services, asset management fees, insurance premiums, and transaction processing.
Financial stocks entered 2025 deeply undervalued after years of negative sentiment. Concerns around recession, bank failures, and regulatory pressure dominated investor thinking in previous years. However, those fears gradually faded.
Interest rates remained higher for longer than expected, which supported bank profitability through wider interest margins. Credit quality held up better than feared, and capital buffers across major banks remained strong. Insurance companies benefited from higher reinvestment yields, while asset managers saw inflows return as markets stabilized.
The result was a sharp re-rating of the sector as investors realized that earnings were resilient and balance sheets were far healthier than headlines suggested.
In 2026, global financials may no longer experience the same rebound driven gains, but they remain relevant. Investors should pay attention to interest rate policy shifts, loan growth trends, credit conditions, and regulatory developments. This fund may serve as a cyclical exposure with income characteristics rather than a pure growth play.
Top 2: ATRAM Global Technology Feeder Fund
2025 Net Return: +24.64 percent
This is also a feeder fund that invests into a global technology focused target fund. The target fund is typically managed by a well-known global asset manager with dedicated technology sector research teams.
The underlying fund invests in companies that build and control digital infrastructure. These include software platforms, semiconductor manufacturers, cloud service providers, and enterprise technology firms.
Typical holdings include:
Microsoft, Apple, Alphabet – platform ecosystems
NVIDIA, AMD, TSMC – AI and semiconductor backbone
Amazon Web Services, Google Cloud – cloud infrastructure
ASML – chip manufacturing equipment monopoly
Adobe, Salesforce, ServiceNow – enterprise software
The narrative around technology matured in 2025. Instead of rewarding speculative growth, markets focused on profitability and execution. Companies that could demonstrate strong free cash flow, pricing power, and recurring revenues outperformed.
Artificial intelligence spending moved from experimentation to deployment. Demand increased for chips, cloud capacity, cybersecurity, and enterprise productivity tools. Technology firms with scale and ecosystem dominance were able to monetize this shift.
Technology remains a long-term structural theme, but volatility is part of the journey. Valuations are higher and expectations are elevated. Investors should expect leadership to narrow to companies that continue delivering earnings growth and productivity gains. This fund remains suitable for long term investors who understand sector cycles and are comfortable with market swings.
Top 3: ATRAM Global Consumer Trends Feeder Fund
2025 Net Return: +22.55%
This feeder fund invests in a global target fund focused on consumer behavior and lifestyle trends. The target fund is generally managed by an international asset manager specializing in consumer discretionary and global brand investing.
The strategy aims to capture how spending patterns evolve across regions, demographics, and income levels.
The portfolio typically includes global consumer brands, digital commerce platforms, travel and leisure companies, and premium lifestyle businesses.
Representative holdings often include:
Amazon, Alibaba – global commerce platforms
Nike, Lululemon, Adidas – premium lifestyle brands
Starbucks, McDonald’s – scalable global franchises
Booking Holdings, Airbnb – travel and experience economy
LVMH, Hermès – luxury and aspirational consumption
Despite inflation fatigue, global consumers continued to spend on experiences, travel, and premium products. Many companies demonstrated strong pricing power and brand loyalty, allowing them to protect margins even as costs rose.
Digital distribution channels and global brand reach helped offset localized slowdowns, making these businesses more resilient than expected.
Consumer spending can be sensitive to economic slowdowns, but long-term trends remain intact. Investors should watch employment conditions, wage growth, and regional consumption patterns. This fund reflects how people choose to live, not just economic growth rates.
Top 4: Sun Life World Equity Index Feeder Fund
2025 Net Return: +21.81%
This feeder fund invests into a global equity index tracking target fund. The target fund is typically managed by a large international index provider or asset manager with a passive investment mandate.
The objective is to mirror global equity market performance rather than outperform through stock selection.
It holds hundreds of global leaders such as:
Apple, Microsoft, NVIDIA
Nestlé, Unilever, Roche
Toyota, Samsung Electronics
Shell, TotalEnergies
As recession fears eased and earnings proved resilient, global equities rebounded across regions. Diversification allowed gains in stronger markets to offset weaker areas, reducing reliance on any single sector or country.
This fund remains suitable as a core portfolio holding. Returns will reflect global market performance and currency movements. It is designed for investors focused on long term participation rather than tactical positioning.
Top 5: BPI Philippine Infrastructure Equity Index Fund
2025 Net Return: +20.70 percent
This is an index fund that tracks Philippine listed infrastructure related companies. It is managed locally with a rules-based approach that reflects the performance of the infrastructure sector.
Typical holdings include:
Meralco – electricity distribution
Aboitiz Power, First Gen – energy generation
Metro Pacific Investments – toll roads, water, hospitals
PLDT, Globe – telecom infrastructure
These businesses generate revenue from essential services that households and businesses rely on daily.
Infrastructure companies benefited from stable demand, regulated pricing structures, and continued public and private investment. Unlike cyclical sectors, usage remains relatively consistent even during economic slowdowns.
Infrastructure is sensitive to interest rates, regulation, and government policy execution. However, it continues to offer defensive characteristics and domestic growth exposure for long term investors.
What’s in for 2026?
The best performing funds of 2025 were not driven by speculation. They were driven by businesses with earnings, relevance, and structural importance.
As investors look toward 2026, the more important question may not be which fund performed best last year, but which businesses can continue growing through different market environments.
Understanding the fund, the target fund, and the companies inside it is what turns investing from guessing into strategy.
How to Start Investing Globally Through Rampver Online
Getting started is easier than most people think. You can open an account and make your first global investment in less than an hour.
Step 1: Register online
Visit Rampver Online and sign up for a FREE investing account. The process only takes about 10 minutes.
Step 2: Upload your requirements
Submit one valid ID, a selfie, and nominate your bank account (for crediting proceeds). This ensures your account is verified and secure.
Step 3: Choose your global fund
Once verified, log in to your dashboard. For example, if you want balanced exposure, you can select the fund of your choice. Make sure to read the fund information sheet and risk disclosures to confirm that the fund fits your investing profile.
Step 4: Decide your investment amount
You can start with as little as ₱1,000. You can make a one-time investment first, then apply for regular monthly top-ups through BPI auto-debit facility.
Step 5: Make your payment
Pay conveniently via GCash, UnionBank, or Instapay. Upload your proof of payment to confirm the transaction.
Step 6: Get confirmation
You’ll receive an email once your investment is processed. From there, you can track your performance anytime through your Rampver Online dashboard.
Prefer personal guidance?
If you’d like to talk to a professional before starting, you can reach out to Rampver’s licensed financial advisors via info@rampver.com for a personalized consultation.
Disclaimer: Mutual Funds and UITFs offered through Rampver Online are not deposit accounts and are not insured by the Philippine Deposit Insurance Corporation (PDIC). Returns are not guaranteed and will vary depending on market conditions. The value of your investment may go up or down, and you may receive less than your original investment. Past performance does not guarantee future results. Investors are strongly advised to read the fund’s Prospectus, Fund Fact Sheets, Key Information and Investment Disclosure Statement (KIIDS), and other offering documents carefully before investing.
These products are suitable only for investors who understand the risks involved and have the financial capacity to absorb potential losses. Currency fluctuations may also affect returns for peso investors in global assets.