One new year’s resolution that almost everyone makes is to save more money, which is a great plan to prepare you for the future. But as great as stashing away some extras for a rainy day sounds, wouldn’t you rather it grew as time went on? If that’s the path that you’re interested in heading towards, then you might want to put ‘start investing’ on your new year’s resolution.

Investing is a great way to earn money as time goes by. It sets you up for a better-planned future and comes in handy when the unexpected occurs. And if you have loved ones to look out for, you may also want to think about generating income for their future as well. 

There are several ways to start investing in the Philippines. And you’d be quite surprised how many vehicles don’t necessarily require a hefty amount to start. If you’re still new but are interested in the world of investment or have started but are searching for other ways to invest your money, then there’s no better time to start looking into it than now. Have a look at this comprehensive guide to 20 of the possible investments in the Philippines that you can start this year.

The Ultimate Guide to Investments in the Philippines

FAQs: A Brief Introduction to Investment in the Philippines

If you’re having a difficult time understanding how investments work, then don’t worry. With all the heavy jargon and numbers involved in every financial discussion, you are definitely not the only one getting confused. 

Investing may seem tricky, but it becomes much easier to understand once you get the hang of it. If you know what you’re doing and can comprehend how everything works, then you can definitely start investing much more confidently. 

A good way to start understanding how to invest and where to get started is to get an overview of the concept.

Here are the answers to the top 3 most common questions asked to give you an idea into the world of investment in the Philippines.

1. What Counts as an Investment?

Investing is not a new practice. In fact, the concept of investment can be dated back to the 16th century in ancient civilizations and has since evolved in this modern era.

The basic idea of investing is giving a portion of what you have to an institution and getting it back with interest after some time. 

But some forms of investments in the Philippines aren’t necessarily for financial gain. Investments like insurance get medical and security coverages in return. 

So essentially, any form of transaction that involves you giving something valuable to gain something of greater value in time can count as an investment.  

2. When Is The Best Time to Invest?

As soon as possible. 

Remember that investment not only takes money. It takes time as well. Delaying your plans to invest is precious time going down the drain. But that doesn’t necessarily mean that you should dive in right away. It still takes some research and planning to fully commit to investments of your choice.

If you’re eyeing on investments that require careful timing strategies, such as bonds and stocks, then there are a few considerations you have to make. 

However, keep in mind that there is simply no such thing as the right moment to start. With the clock ticking away, set yourself a timeframe as to when you’d like to start. That way, you wouldn’t be delaying the opportunity for you to grow your money and are still flexible about changing your starting day.

3. What are the Options?

From the stock market to the real estate industry, the Philippines offers quite a selection of investments to start with. Several industries provide different offers and perks which you can weigh out yourself.

Here is a quick rundown of the general types of investments in the Philippines that attract several investors:

1. Stocks and Bonds

If you hear the word ‘investment,’ these two types of investments are probably the first thing that pops into your head. Because they are so closely associated with one another, people assume that they go hand-in-hand or are the same thing. Well, they aren’t.

Stocks are units of ownership in a corporation. To put it simply, when you buy stock from a certain corporation, you technically “own” part of the company. 

Depending on the type of stock or “equity” you purchase, some other perks come with it such as being part of the decision-making of the company. The higher the amount you invest, the more power you have over it. But don’t get too excited. If you’re starting out small, then you wouldn’t probably want to go ahead and invest a large amount. 

Bonds are a lot more complex than stocks, mostly because they’re a lot tougher to comprehend. A bond is a debt security. Basically, if you were to buy a bond, you would be called a creditor. When corporations, agencies, organizations, and even the government needs funding, they turn to bonds. So as a creditor, it would be as if they’d be borrowing money from you and return it with interest. 

There are two general classifications of bonds: by maturity and by the issuer.

Maturity-based bonds are classified according to how long it will mature. 

      • Treasury Bills or T-Bills mature less than a year, so they are considered short term.
      • Treasury Bonds or T-Bonds offers 2-year bonds all the way up to 30-year bonds. 

Issuer-based bonds are classified by who issues the bonds. There are four types: 

      • Treasury Securities - issued by the Bureau of Treasury
      • Government Bonds - issued by several government agencies like PAG-IBIG
      • Municipal Bonds - issued by the local government units (LGUs)
      • Corporate Bonds - issued by public or private companies
2. Bank Products

These are the most common type of investments there is. You basically deposit a sum of money and it will be held securely and limits withdrawal. Savings Accounts, Certificates of Deposit (CDs), Money Market, and Federal Insurance all count as bank products. 

3. Commodity Futures

A commodity future is an agreement designed to buy or sell certain “commodities” at a fixed price on a specific future date. The three main areas that it covers are food, energy, and metal. How it works is that investors can buy these commodities at a lower price on a certain date and sell them at a higher price in the market when they go up.

4. Security Futures

A security future is also an agreement designed to buy or sell, except instead of commodities it would be on shares of stocks. 

5. Investment Funds

This is the capital sourced from different investors. Mutual funds count as a type of investment fund. 

6. Real Estate

There are several possible ventures in real estate investment in the Philippines. These options include leasing land, condotel investing, renting property, land partnership, and many more. 

7. Life investments

There are investments that ensure a much more comfortable life for you and your loved ones. These are the common investments that most people already have the funds for.

Parents usually have an Education Fund investment tucked away for their children’s future, one of the most expensive being a college fund.

Insurance is a definite investment that everyone has to acquire. This investment comes in handy when emergencies come around. It’s that assurance that the financial side of life is covered in case something goes wrong.  

And when people want to live the rest of their life comfortably when they eventually stop working, then they would have to invest in a Retirement Fund at a young working age.

With a general idea of the types of investments in the Philippines, you’d also have to plan out your course of action when you want to embark on investing. Here are a few tips and insights:

A Guide: How To Start Investing

The Starting Point

If you’re new to investment, then jumping into high-risk investments head first may not be the best strategy. Assess your capabilities to keep up an investment before signing any contract. If you think you can’t make the payments required, then look for another vehicle. 

But if generating income is not a big problem, then you would need to run a trial before risking it all. Test it out by going with lower investment vehicles and slowly build up as you go along. That way, you would leave yourself some room to grow.

Also to keep in mind is that it wouldn’t be the best decision to invest ALL of your funds right away. Allocate an emergency fund for just-in-case moments. You wouldn’t want to have just started an investment and sell it right away when something unexpected comes up.

How Much You’ll Need

You don’t need six figures to start investing. In fact, you don’t even need five or four. With as little as Php 100 to Php 5,000, you can already start investing for your future. 

The actual initial investment (starting amount of your investment) and minimum additional placement will ultimately depend on where you choose to invest and what their requirements are. 

How Long it will Take

Keep in mind that investment isn’t an overnight success. While you may not get instant gratification when you start investing now, the difference that time makes can help you in the future. When it comes to how long you’re going to invest, there are two types: short term investments and long term investments.

Short term investments are usually sold after three years or less. Examples that fall under this category are stocks, mutual funds, and a few bonds and bond mutual funds. Meanwhile, long term investments can last for up to a 10-year period. These also include stocks alongside ETFs, real estate, and retirement funds.

The advantage of keeping your investments for the long ride is that you would probably get much more profit the longer that you keep it up. But it ultimately all boils down to the goals that you have in mind. While it is alright to have short term investments, make sure that you have some money left to put into some long term investments as well.

Considering everything that you would need in order to start your investment plan, take a look at the possible investment vehicles in the Philippines that you can pursue this 2020.

Tight-Budgeted Investments (Minimum Monthly Investment of Php 10k and below)

Because the process involves letting out money, a common misconception is that you need to have a lot of it stored away before starting. 

But contrary to popular belief, anyone can actually start investing in the Philippines even with a small amount. There are several kinds of investments that require quite a low minimum investment rate which you can easily avail of. Here are the common investments that you can make on a budget.

Type of Investment Minimum Monthly Investment Advantages Disadvantages
BTID (Buy Term and Invest the Differences) Php 2,000 - 3,000
  • Gives opportunity to be hands-on with your choice of investment
  • You control how much you want to invest in
  • Returns have the potential to be high
  • Requires time and attention to stay afloat
  • Covers a relatively shorter span of time
  • Carries an amount of risk when not careful
VUL (Variable Universal Life Insurance) Php 2,000 - 3,000
  • Convenient: is a ready-made savings plan with less complication
  • Coverage is much longer compared to BTID
  • Relatively stable percent of average returns
  • Plan is longer, therefore much more expensive than BTID
  • Lower in average returns compared to BTID
  • Less control over the amount gained
ETF (Exchange-Traded Fund) Php 2,000 - 5,000
  • Flexible 
  • Provides the opportunity to diversify
  • Transparent: gives daily updates
  • Requires time and effort to get the most gain out of it
  • May be complicated to understand for first-time investors
Bonds Php 5,000
  • Possible high return of investment
  • Comes with legal protection
  • Reliable cash streams
  • Difficult to process if not familiar with the investment and financial world
  • High yield bonds come with higher risks
Stocks Php 5,000
  • Possible high return of investment
  • Part “Ownership” of a company
  • Needs constant monitoring
  • Risky: great amount of loss when stocks fail
Mutual Funds Php 5,000
  • Offers diversification
  • There are professionals that can help manage this investment
  • Comes with legal protection
  • High Expense ratios when not monitored
  • Execution is quite difficult to pull off
Forex (Foreign Exchange) Trading Php 5,000
  • High yields monthly
  • Ideal for experienced investors looking for higher yields
  • Requires some experience and practice to get the hang of it -- not the most ideal for first time investors
  • Risk is relatively high
PERA (Personal Equity & Retirement Account) Php 5,000 - 10,000
  • Low maintenance retirement investment
  • Will not be taxed when withdrawn
  • Early withdrawal (Before age 55) results in penalties
  • Comes with administration fees
Small Business Php 5,000 - 10,000
  • Ideal for business-savvy investors who need side incomes
  • Complete control of gains
  • Risk is relatively high when left alone
  • Requires some time and work to really get high returns
1. BTID (Minimum Monthly Investment: Php 2,000 - Php 3,000)

Buy Term and Invest the Difference is essentially an investment strategy that involves buying term life insurance and investing the difference in other investment vehicles, hence the name. This philosophy gives you the opportunity to spread out your investments elsewhere. 


In order to understand how BTID works, here are some things you need to understand about life insurance.


There are two main types, namely term life insurance, and whole life insurance


Whole or permanent insurance is much more costly because of the additional advantages it maintains over term investments. These plans usually last up to when you are 88 to 100 years old. It also offers a savings component or “cash value” which you can borrow from. However, this is what makes them relatively more expensive than term life insurance, usually five to ten times the cost.


Term life insurance or “pure life insurance” is the cheapest form of life insurance. This is because it covers the death of only one beneficiary within a span of 5, 10, 20, or 30 years.   


The perks? Besides being insured for worst-case scenarios in that period of time, you are in total control of your investment plan. So you could potentially make a lot more investing in other vehicles rather than centralizing your budget in a whole life insurance plan. 


It is the DIY nature of this strategy that makes this practice a wise and better decision if you want to have more control over how much you make in investments. Plus, investment returns are much higher when you invest in term insurance.

2. VUL (Minimum Monthly Investment: Php 2,000 - Php 3,000) 

If BTID isn’t the plan that you want to embark on because of the work involved in it and the shorter coverage of term life insurance, then perhaps Variable Universal Life Insurance (VUL) may work better in your favor. 

Purchasing whole life insurance comes with benefits that buying term won’t have. As mentioned above, everything is taken care of when you purchase this plan. You wouldn’t have to construct a savings plan because this already acts as one, plus it guarantees coverage for a much longer period. 

Sure, it costs more and you may not get as big of a return as BTID, but that doesn’t mean that your money isn’t growing. With most VUL plans to guarantee a 7.8 - 16.6 percent of average returns yearly, it’s still pretty stable and gives decent returns. 

The biggest advantage of this strategy is its convenience. This is most ideal for people who don’t want an overly complicated investment plan and just want enough to get by comfortably. 

3. ETF (Minimum Monthly Investment: Php 2,000 - Php 5,000 depending on the minimum board lot and market price)

If you’re up and geared towards serious investing, then ETF is one of the best options that can help you learn more about how the world of investment works.

ETF or Exchange-Traded Fund is an open-ended investment fund that holds assets like stocks, bonds, commodities, and many others. They hold similar characteristics to mutual funds. The difference is that ETFs are traded within the day rather than being purchased with the end-of-day value. This ultimately combines the ability to diversify that mutual bonds possess with the flexibility of the stock market.  

Unlike some mutual funds, ETFs are always transparent, giving daily updates. The First Metro Philippine Equity is the place to go to start this investment fund in the Philippines.

4. Bonds (Minimum Investment: Php 5,000)

With an idea of what bonds are from the information given earlier in this article, here is a proper introduction to how it works in the Philippines. 

There are two types of bonds you can invest in the Philippines, namely corporate bonds and government bonds. The difference between the two is who you’re lending the money to. When you invest in corporate bonds, you’re lending money to a corporation. Likewise with government bonds. 

There is no guarantee of which of the two are better to go for since they differ in risk profile as well. Corporate bonds often have higher yields, but this is because of the higher risks it carries most of the time. 

Most banks can help you get started with investing in corporate bonds. Several banks also carry Government bonds that you can ask about. The information on how to get started is public knowledge and will most likely be posted on their website. You can contact them online to get a better perspective of how it works.

5. Stocks (Minimum Investment: Php 5,000)

Stocks have been increasingly doing well over the years, which means you wouldn’t want to miss out on the opportunity it could hold in 2020 and beyond. 

Understanding the Philippine Stock Market won’t take overnight. With it constantly changing, you need to be updated at all times. This type of investment needs constant monitoring and work put into it, which means if you do choose to venture into it, you’re going to need to read up on it. 

Popular corporations like Jollibee, San Miguel Corporation, and Aboitiz Power Corp are just some of the industries that rely on stockholders. But don’t go ahead and place your bet on the companies that you can name at the top of your head. It is important that you research well on the industries and how well they’re doing in the market. 

You should also consider the price and risk factors going in. The perfect opportunity in stocks is when you buy stocks for a low price and are able to sell for a much higher cost. Buy stocks that are set below their Buy Below Price or BBP. On average, you can expect about 10.8 percent on average returns.

6. Mutual Funds (Minimum Investment: Php 5,000)

Mutual funds dip into a little bit of everything. A mutual fund company basically collects funds from different investors and distributes them to stocks, bonds, money market instruments, and more.

These are the four types of mutual funds that you can find in the Philippines:

  • Stock or Equity Funds

These funds have the highest risk involved with the goal of a long term capital growth inset. They do, however, get the biggest returns usually within five years or more.

  • Money Market Funds 

These are short-term funds for investments like corporate bonds and time deposits, usually with an investment timeframe of a year or less. This is your safest bet, though it generates the least amount of income compared to other MFs. 

  • Bond Funds

With a higher risk than bond funds, balanced funds invest in a mix of stocks, bonds, and money market instruments for moderate risk.

  • Balanced Funds

These funds have the highest risk involved with the goal of a long term capital growth inset. They do, however, get the biggest returns usually within five years or more.

In mutual funds, another added perk is that you won’t be left to figure it out on your own. MFs are professionally managed by companies that pool funds to spread out to different investment vehicles. 

Be wary of mutual fund company scams that can be found online. Legitimate mutual fund companies in the Philippines are registered under the Securities and Exchange Commission (SEC). They are all required to follow the Investment Company Act (Republic Act 2629), which makes this investment relatively less risky because of being constantly monitored by the government. You can expect 2 to 5 percent on average returns in this investment.

7. Forex Trading  (Minimum Investment: Php 5,000)

The Foreign Exchange Market is a global decentralized marketplace for exchanging national currencies against one another. Because of its international reach of commerce, trade, and finance, this has become the largest and most liquid asset markets. 

Taking a chance on forex trading can be rewarding but requires a lot of practice to get the hang of it. You will need an experienced broker that can do the analysis you require. Plus, you will need to construct a solid strategy to apply to get the hang of it. Remember that buying and selling is a tricky thing, so you need to have good judgment of your entry and exit time. 

With possible average returns of 1 percent straight up to 10 percent monthly, the reward that comes with well and carefully managed forex trading is quite high. Because of that, don’t expect to be great at it the first time around. It requires constant practice in order to get the hang of it, so it’s something that you should just continuously do to get good at it.

8. PERA (Minimum Investment: Php 5,000 - Php 10,000)

It is a must that you save up for your retirement as soon as you start working. Government investments that are required for most employment such as SSS and PAG-IBIG will help you out upon retiring, though future pensions may only be enough to get by. 

The US has tax retirement plans such as 401ks and IRAs to help them invest for retirement much easier. Plus, it helps them better grow their interests compared to banks and comes with some tax advantages. 

Find these investment plans interesting and wish you could give them a try? Well, you most certainly can because the Philippines has its own version of the 401ks and IRAs. In December 2016, Banko Sentral ng Pilipinas or BSP introduced the Personal Equity & Retirement Account, or PERA for short. 

This plan lets you invest once a year until you are 55 years old with an average return of 5 to 15 percent yearly. The main perk of this plan is the tax benefits that come along with it. Income earned from PERA is not taxed. And when ready to be withdrawn, it won’t be taxed any withholding taxes, capital gains tax, and regular income tax, which is considered to be much better than bank interest rates. 

The basics of what you’d need for a PERA account are a TIN number and an account in a bank that offers it such as BDO and BPI. Your contributions may be invested in MFs, ETFs, Stocks, and many more.

9. Small Business (Minimum Investment: Php 5,000 - Php 10,000)

Small businesses have become a popular vehicle for investment for people with full-time jobs that want something on the sideline. Going into a small scale business may not require as much starting capital compared to the capital needed for a full-time growing business, but it will need some time and effort put into it as well.

Several popular small businesses resell items that they buy in bulk for the wholesale price and sell them for retail. Others create products that people would buy such as food or souvenir crafts. 

This investment can eventually turn into something more if you want to grow it. By selling online or being recommended by customers to the people they know, it is possible for this investment into a much bigger venture. Not only will it secure you financially for the future, but it may also turn your future around completely.

Cryptocurrency Investment

Cryptocurrency investment in the Philippines has been increasingly piquing the interests of Filipinos everywhere since everything is shifting towards the digital. But because it is internet-based, it is understandable how people can be quite apprehensive about it because of the mistrust shrouding the online world. However, this doesn’t make it any less legitimate than other types of investments.

When you’re looking into investing in this type of vehicle, then it’s going to take some research to fully understand how it works. Here are some general notes to keep in mind about cryptocurrency:

  • It is a digital currency, which is intangible. However, it does equal actual money.
  • It uses cryptography to secure financial transactions, which makes it difficult to counterfeit.
  • It also uses decentralized control based on blockchain.
  • Several cryptocurrency exchanges make investment convenient for OFWs, being able to send remittance via cryptocurrencies instead of cash.

If you’re interested in this investment as well, then have a look at the different kinds of cryptocurrencies that are doing quite well in the Philippines.

Type of Cryptocurrency Value (Dec 20, 2019) Advantages Disadvantages
Bitcoin (BTC) 1 BTC = Php 360,600
  • High Yield
  • International Transactions are much easier 
  • Convenient Payment Method
  • High Risk Value
  • Prone to Scams and Hacking
Bitcoin Cash (BHC) 1 BHC = Php 9,300
  • More Affordable
  • Lower Yield (compared to Bitcoin)
Litecoin (LTC) 1 LTC = Php 2,000
  • Processes a block much faster than Bitcoin
  • More expensive to use (compared to Bitcoin)
Ethereum (ETH) 1 ETH = Php 6,400
  • Flexible; Programmable to add new applications
  • Still fresh to the cryptocurrency world
10. Bitcoin (BTC)

This is the most popular form of cryptocurrency in the Philippines that investors seem to flock to. It is, after all, the very first established cryptocurrency. 

To invest in Bitcoin is similar to other investment vehicles. First, you let out cash via digital wallets that hold BTC, which most virtual exchanges do. Then you check websites the Coin Market Cap website to check out current prices. You can either transfer your Bitcoins to exchanges, buy from sellers, or transfer your BTC from your digital wallet to exchanges.

As of the moment of this writing, 1 BTC is more than Php 360,600 and may have either increased or decreased since. The average return in this investment is high, but so is the risk that comes along with it.

11. Bitcoin Cash (BHC)

Bitcoin Cash or BHC is a fork created in 2017 that is at a much more affordable rate than Bitcoins. It has cheaper transfer fees, faster transfer times, and can handle more transactions per second compared to Bitcoin.

Be wary before investing in this cryptocurrency. It is fairly new to the market, so it’s had its ups and downs since it started. 1 BHC is more or less Php 9,300.

12. Litecoin (LTC)

Litecoin or LTC is a peer-to-peer cryptocurrency that is also a software based on an open-source cryptographic tool. Such as the previous currencies, LTC is also decentralized and is slightly identical to Bitcoin. 

The difference of Litecoin from Bitcoin is that it processes a block within 2.5 minutes, compared to the 10-minute processing in Bitcoin. It also uses scrypt algorithm, which makes it more difficult to create and more expensive to use than Bitcoin.

1 Litecoin as of December 20, 2019 is more or less Php 2,000.

13. Ethereum (ETH)

This cryptocurrency is slowly gaining popularity in the Philippines and other countries around the world as an alternative to bitcoin. Ethereum or ETH is an open-source blockchain that features many of the same characteristics as bitcoin. It is also decentralized and can be used to make payments, as collateral, or as a store of value.

But unlike other cryptocurrencies, Ethereum features a scripting functionality. It is programmable, meaning developers can build new kinds of applications. 

Almost all cryptocurrency exchanges in the Philippines trade Ethereum, with 1 ETH being more or less Php 6,400 as of the moment.

Passive-Income Investments

If you are interested in investing your money but don’t really have the time or energy to worry about another financial aspect, then don’t worry. There are certain investments that you can make without you having to stress about it on a regular basis. With a bit of an entrepreneurial drive and excellent judgment, you can have a 

Here are the different types of vehicles that allow you to simply let out your investment funds and have everything else taken care of.

Type of Investment Capital Needed Advantages Disadvantages
E-commerce Websites Low to High
  • E-commerce is a booming business opportunity 
  • Business can be managed alongside other business ventures
  • Risk is relatively high
  • Knowledge on website maintenance is needed to reap higher profits
P2P Lending Low to Medium
  • “No middle man” investment; return is solely yours
  • High capital is not needed to get a good profit
  • High risk
Venture Capital and Angel Investing High
  • Offers opportunity to invest in a potentially growing company
  • Returns are great if bet is on the right person
  • Provides a vehicle to support aspiring entrepreneurs
  • High capital required
  • High risk
Real Estate High
  • Ownership of land on top of profit-making opportunities
  • Different ways to profit from different kinds of property
  • High capital required
14. E-commerce Websites

The internet has given many more opportunities for anyone to grow a fortune. One way is investing through websites, which have become avenues for online advertising and the like. But if you’re interested in having a solid business but don’t have much time to fully concentrate on it, buying an e-commerce website offers just the thing to satisfy your entrepreneurial drive with the convenience that the online world can provide.

Instead of creating a website from scratch, find an already created website to invest and revamp, much like a relaunching. There are several websites for auction online that you can buy through sites like But if you’re looking for an established online business to invest in, then try going through where you’d find e-commerce businesses for sale. And because the sites also offer support, you have to invest only about 8-10 hours a week of your time. 

Before jump starting an investment in the online world, there are a few considerations that you have to make in order to gain profit from it. Here are a few tips before getting into website investment:

  • Know the Ropes

You need to be familiar with how e-commerce works as well as how to operate a website. 

Even with assistance, you would still need some knowledge on how to run websites like the platforms it uses (e.g. WordPress, Drupal, TYPO3, Joomla), the traffic quality (how many people visit), and its ranks on search engines. 

And as for the e-commerce side of things, know the products or services it tends to, the target market that it caters to, and what further business plans can push it to grow.

  • Consider the Website’s History

Sellers have to post the reason why they are selling their sites. Most of them say that it’s simply because they no longer have time on their hands to keep it up, a reason that you can verify yourself through research.

Review the performance throughout the years and how well it’s done monthly. If it is consistently going downhill, then the reason for selling it could be because it’s near failure. If you’re not interested in the challenge to improve the business completely, then avoid purchasing these sites. But if it’s been steadily growing, then these sites are the passive income sites you’re looking for.

  • Price and Maintenance Cost

You would need to have a good business judgment to know if these sites are worth the investment. Consider the costs to run it and the price that it’s going for. It may promise that it earns a certain amount of revenue, but you need to be able to verify that yourself.

15. P2P Lending

Micro-lending or peer-to-peer lending is an unconventional form of investment that takes away the “middleman,” such as banks and corporations, out of the equation. 

The concept of it is nothing new, with it being similar or the same as utang or loaning. But instead of taking to the streets, there are many online platforms where you can be an investor in this type of vehicle. 

Because there is no actual centralized platform calling the shots, the interest rate can be much more flexible depending on the two parties. That said, this type of investment can be quite risky since you would be loaning to people who are essentially strangers to you. 

The perk of this is that you can start investing at a low rate of about Php 1,250. But you still have to pick your investment wisely. FundKo, Blend PH, and MoneyMatch are just a few legitimate online platforms that you can use in the Philippines.

16. Venture Capital and Angel Investing  

There are many brilliant business ventures that have the potential to become something greater in the years to come. If you think that you have the right judgment to spot them out, then you have the makings of a venture capitalist

Great and successful companies such as Uber, WhatsApp, and even Google started out with funding from venture capitalists. So if you bet on the right people, you may receive something much greater in return.

But in order to get into investing as a venture capitalist, you will most likely start out as an angel investor. 

The difference between being an angel investor and a venture capitalist is where the money comes from. Angel investors are often those who have money to spare and are willing to support a business venture for a returned interest. Venture capitalists, however, are private equity investors that get the funding from limited partnerships with other investors, so technically they don’t use their own money.

The benefit that startups get from pitching to either venture capitalists or angel investors is that they don’t have to go through the process of bank loaning. The advantage that investors get from providing capital for these startups is the high-interest rate that they receive if the business succeeds and flourishes. That said, you’d need an entrepreneurial mind to be able to spot out potential success. 

If you’re looking to start into this investment, you can check out the Angel Investment Network that helps startups in the Philippines. 

17. Real Estate

The real estate industry has been steadily growing so far in the Philippines and looks promising moving forward in the year 2020 and beyond. There are many ways to start investing in real estate, and some of them don’t require much effort other than investing financially. 

Discover Your Real Estate Investment Options Now!


To start investing in the real estate market, consider the options that are available with the budget that you have on hand. You can buy land and lease it, purchase a residential area and rent it out, or revamp cheap foreclosed property and sell it at a high price. 

Ventures such as condotel investing have been gaining popularity because of its stress-free guarantee. Essentially how it works is that you purchase a condo unit and rent it out either long term or short term (like a hotel). Realty companies take care of finding tenants, providing the services, and managing the properties while you reap all the benefits. 

The thing with real estate investing in the Philippines is that not only will you be receiving a stable income, but you’d also have your very own property that you can use if or when you choose to retire. For a much more extensive guide to investing in real estate, check out The Better Ultimate Guide to Real Estate Investments in the Philippines.


Not all investments in the Philippines receive financial gain in return. As an investor, your main goal is to prepare yourself for the future, so anything that can help that cause is an investment in itself. 

There are investments in your life that you shouldn’t restrain yourself from making. Make this 2020 the year of growth not only financially, but holistically in every possible direction. Here are some self-investments that you can bump up of your new year’s resolution list.

18. Knowledge and Skill Investments 

There is always room for you to improve yourself. Whether you want to pursue a new useful skill or continue studying to fully equip yourself for your career moving forward, investing in these will benefit you in the long run.

If you are not willing to spend for it, however, there is always the option to learn on your own. The internet has made it possible for people to self-educate themselves to a certain degree. 

However, if you need the credentials that come along with learning these new things, then you can look for scholarships online or find online courses for your utmost convenience. 

19. Health Investments

This investment goes beyond health and life insurance. Besides being financially secured in case something wrong happens, you need to make sure that you’re actually living the life you have to the fullest. 

Eating healthier and incorporating some simple exercise routines may cost you more time and money, but take note that living a healthier lifestyle now will save you some trouble in the future, both physically and financially. 

Mental health is equally as important to maintain and invest in. Don’t hold onto your money too tight that you won’t give yourself a break once in a while. Allow yourself to spend your money on occasional trips or vacations if it means that it will give your mind some rest and improve your overall wellbeing.

20. Family Investments

When you’re a parent supporting a family, investing is not only for your future but for theirs as well. Aside from a college fund set aside for the future, kids also need knowledge and skill enhancement to prepare them for the future or ignite a sense of passion in their life. 

Enrolling your children in extracurricular activities or supporting them in contests also counts as a long-term investment. Yes, this may dip into your funds. You may have to pay for classes, equipment, and the like. And there is no guarantee that your investment will be utilized in their future (e.g. paying for basketball lessons doesn’t assure that your child will grow up to be a professional basketball player). But the return of investment you’ll be getting back can come in other forms. Your children could learn values such as teamwork, discipline, and perseverance from these experiences, which are gains that can benefit them in their path towards their own success.

How do I choose what to invest in?

Having a hard time picking which one to invest in? That’s because you shouldn’t just settle for one. 

The best way to succeed in making investments is by diversifying and investing in multiple vehicles instead of concentrating on one. The advantage of having multiple investments is that in the case that one fails, you have others that you can rely on to shift your concentration. If all investments do well, then the more income you’d be able to generate.

Why Invest?

Many people hesitate to give a portion of their hard-earned money for a promise for something greater in return after some time. This is because nobody can truly predict how the future will go. Investment in the Philippines does come with a risk factor, but it can very well be worth it if you play your cards right.

The trick to investment is good research, patience, and a positive mindset. When you are confident that what you’re investing in can help you in the long run, then there’s no reason not to push through with it. And don’t be afraid of failure. If you worry too much about the risk instead of the possibility, then it might just hinder you from making better decisions. 

The rewards to longtime investment can be exponentially great and can possibly earn you more than what you’ve projected. Whichever way you choose to invest in your money this year will benefit you and your loved ones in the long haul. So by the end of it, you can very well make your goal of creating a better life for yourself and the people you love.

If you’re considering real estate as one of your potential ventures, then you’d need a reliable partner that can help you invest your money wisely. CitiGlobal Realty, Philippines leading real estate developer is your best bet when it comes to affordable leisure property investment. With condotel investment plans that guarantee a stress-free investment, you’d surely get your money’s worth in a matter of time. Plus, you’d have a place to stay for free if you were ever in the area. Contact us today to find out how you can get started!

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