Where to Invest Your Money

by Gily Tenorio on May 14, 2010

in Investment, Personal Finance


As an OFW or employee it is hard to decide where to put your hard earned money. There are many scams out there pretending to be genuine company who will promise you to give a sure high return of investment. Another difficulty is the fact that you are out of the country giving you many limitations or if you’re an employee, you are limited by the time since you need to work at least 8 hours per day.

Actually, there are many legal investment instruments where you can invest your money for higher returns and even without your physical presence will still run. This kind of investments will give you passive income. Meaning, even without you, your money will still makes money. We know that money in the savings account gives us a 1-2% interest per year. This is really low compared to other instruments available now.

Let’s make things clear here. Savings account is very important because it is easily liquidated and it is a source of emergency fund. So it is very essential to have enough money on savings account and the rest you can put in other money making instruments like mutual fund, stocks, bonds, time deposits, real estate and business.

These instruments are easy to invest in. You can open an account in stocks and mutual funds even if you’re in abroad. I will give you some basic information about these investment instruments where you can put your money. I prefer to invest in mutual funds and stocks because it gives highest returns but very risky. However, if you want very minimal risk but steady income, you can invest in fixed income mutual fund. You can find below investment instruments where your money will make more money.

1. Mutual Fund

Mutual fund is basically a collection of funds from investors. The fund is managed by a professional fund manager who will invests the money in stocks, bonds and other fixed income instruments. There are many types of mutual fund depending on where the fund is invested.

Mutual fund is risky specially equity MF because it depends on the stock market. Your money is not insured here, meaning you may lose your money when the stock market go down.

Anyhow, investing in mutual funds is one of the best investment choices in the Philippines because it only requires P5,000 to P10,000 initial investment. The procedure of opening an account is not hard and can be done with less than one hour if you are going directly to the office of mutual fund company you’re planning to invest.

2. Stocks

Stock is share of ownership of a company or corporation. When you buy stock of a company, you became a shareholder or stockholder of that company. Buying stocks involves high risk specially when your a newbie in stock buying and selling. That’s why you need to study first and learn how stock operates. You can also lose your money here if you don’t have the right learning on stocks.

3. Bonds

Bond is like a loan. The borrower issue a debt security to the lender in exchange for the money. A bond is a formal contract to repay borrowed money with interest at fixed intervals.

4. Real Estate - Apartment

Real estate is one good way to make your money grow. However, you need big initial capital since you will build a new apartment. The good thing in owning apartment is you will have a monthly income from rental fee even without your physical presence. You will have a passive income monthly as long as you have tenants in your apartment.

5. Time Deposit

Interest rate for time deposit is higher than in savings account but the opening and maintaining balance is little bit high. Your money in time deposit is insured while money invested in stocks and mutual funds are not. This is one thing you should know.

6. Business

Opening a business requires a lot of work, money and time. If you’re working as an employee, it’s difficult to do business while working. But if you have trusted family members that can manage your business properly, it is really worth to invest in a business you think profitable. In the Philippines, you can invest your money in different ways. You can invest it in stocks, mutual funds, bonds, real estate, time deposit or in business you want.

Final Thoughts

If you are planning to invest your money, you must understand and study first the investment you want. There are many scams out there because people don’t have enough knowledge how investment works.

I have listed above the legitimate investments that you can venture out in the Philippines. Most of these investment opportunities require minimal amount of money which are best suited for Overseas Filipino Workers and employees.

I hope this article helps you about where to invest your money. Let me know your opinion and comments. Thanks!

Comments on this entry are closed.

Chin Chin May 6, 2013 at 05:50

PSE Academy (www.pseacademy.com.ph) provides a comprehensive, interactive, and practical web-based investor education for market participants, would-be equity investors, and the public in general.

Andres d.Maghanoy March 19, 2013 at 14:13

Dear Sir,

I’m Interested in mutual fund/ I forex please can you help me how to start.

Best Regards.
Andres D.Maghanoy


Andres d.Maghanoy March 19, 2013 at 14:09

Dear Sir,

I’m Interested in mutual fund/ I forex please can you help me how to start.

Best Regards.
Andres D.Maghanoy

Gil March 20, 2013 at 03:18

Hi Andres,

First you need to learn and study first which kind of mutual fund you want or best suited for you. Then, you should open an account by sending your application form and requirements through registered mail.

Victor September 6, 2011 at 05:20

m Victor Miranda and i work at Ayala Land Premier. I believe that real estate is the way to go. I have seen how lots and condo units appreciate in a short amount of time for example, one of our projects in Nuvali almost doubled it’s price in just 3 years. If anyone is interested you can contact me and i may shed light to some of your questions .

Victor Miranda
Premier Property Specialist
Landline: (632) 759-4788 to 91

Fax: (02) 759.4792

Mobile No.: (0927) 311.42.96

Email: [email protected]

Ayala Land Premier, 18/F Tower One & Exchange
Plaza, Ayala Triangle, Ayala Avenue, Makati City

We offer Condo units and lots in prime locations

Diane_821 October 11, 2011 at 07:00

do you have a small i mean a bachelor condo and how much its cost?

annaanne July 27, 2011 at 12:25

thank you for sharing.. very valuable information 🙂

Tupeng_90 July 29, 2011 at 02:33

Yes, this is very informative. Hope you may also provide the reader’s where to invest, particularly in Mutual Funds. In that issue, you may send me a message guys so I may also provide more detailed information about this kind of investment vehicle. I am happy to share these things with you.

michelle November 21, 2010 at 03:43

Hi Gil,
Thank you for sharing with us your advises on how to save our money in a wise way.I will visit this blog often.Pls send me more post about the time deposit.TY

Tupeng_90 July 29, 2011 at 02:36

Hey Michelle, would you like to be more aware regarding fixed income instruments and also investment vehicle that may provide flexible returns? You may send me an email if you want to. :-0

Jayr March 14, 2012 at 08:47

im interested sa fixed income instruments. where can i purchase them? [email protected] thnx

Darius November 15, 2010 at 18:59

It’s good that I came across your blog. Thank you for a very objective advise.

Jonha @ Happiness May 17, 2010 at 01:57

I have decided to invest in the stock market but I feel that I am not equipped yet. I don’t wanna get into it and just lose the money that I worked hard for so I am grateful that I have stumbled upon your blog and your post about why we should invest on it. I felt the need in doing it and I would appreciate additional tips in that area.

Gil June 2, 2010 at 12:52

Hi Jonha! Stock market involves a lot of risk that’s why its very important to study first the company you want to invest in before you buy its stock. I will post more guides in the future about trading in stock market to help you and other readers.

Tupeng_90 July 29, 2011 at 07:25

You must know the fundamentals in investing. Much better if you will be equipped with the fluctuations happening before getting the right selection of stocks. You may venture your money first in mutual funds before putting your money in direct buying of stocks. It may help you a lot. Just inform me when you have questions. Send me pm, If you want to/

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