1st things 1st, shake off the thought that it’s difficult na maintindihan or mahal or the future is “far-off-I-can-do-it-next-time” mentality.
Kasi kung ganyan ang mindset mo, ngayon pa lang mahihirapan ka na at mawawalan ka nang gana mag-start.
So, let’s begin with a clean slate, shall we?
Listed down are 5 investment options.
- Mutual Funds
Kung gusto mong low to medium risk investment, then you may start investing in mutual funds.
Mutual fund is a pool of money from many investors which is collected by mutual fund managers who invests your money in stocks, bonds, the money market, and many others, Fitz Villafuerte explained in his teaching The Basics of Investing In Mutual Funds.
Kumbaga, you’re entrusting your money to an experienced investment managers to make investment decisions such as research, selection and monitoring of investments on your behalf.
Affordable din ito because some companies allow you to invest for as low as ₱ 5,000.
- Unit Investment Trust Funds (UITF)
UITF and mutual funds pretty much work and perform the same pero syempre may pagkakaiba pa rin. Sabi ni Fitz in his other article Mutual Funds vs Unit Investment Trust Funds, What’s The Difference?, mutual funds are sold by licensed mutual fund agents while UITF is sold by commercial banks.
Kung sa mutual funds bumibili ka ng shares and is regulated by Securities and Exchange Commission (SEC), sa UITF bumibili ka ng units and is regulated by Bangko Sentral ng Pilipinas (BSP).
This investment has lower management fees compared to mutual funds but comes with a 20% withholding tax on capital gains.
For UITF, the minimum investment is ₱ 10,000.
If you are a low risk-taker and want long-term investments, then sa stocks ka. Tulad ng mutual funds, ₱ 5,000 ang ilalabas mong money for it.
Stocks are shares of ownership sa isang corporation. Basically, kapag bumili ka ng stocks it means that you become part owner or a shareholder of a particular corporation, as defined by COL Financial.
You make money in stocks through earning dividends or selling your stock shares.
- Online Business
Isa pang puwede mong umpisahan today ay ang online business.
Because it does not require of you much capital, it’s not highly risky but manageable, and it has a great earning potential, sabi ‘yan ni Roel Manarang from Tycoon in his entry How to Start an Online Business in the Philippines.
Basta kailangan productive, consistent, unique, and engaging ka to establish your online presence kaya huwag ka na magpatumpik-tumpik pa and make use of what you have now.
- Food Business
Filipinos love eating and there’s no denying to that. Plus, food is a basic necessity of life. So, why not take advantage of it?
It’s saleable sa kahit saang location, you have wide array of options, and small capital lang ang kailangan, says Food Cart Franchise Philippines in their article Why Should You Choose To Start A Food Business.
Tsaka you can already build your first store sa bahay mo mismo, dagdag pa nila.
Remember that every investment has its risks and disadvantages.
Payo ni Fitz, “Your investing IQ and the probability of a successful investment portfolio highly depends on how much you know about your chosen investment.”
Walang madali sa una pero hindi ito excuse to give up easily. Sabi sa Proverbs 14:23 NIV, “All hard work brings a profit, but mere talk leads only to poverty.”
If you’re planning to invest now, gusto ka muna naming ipag-pray! Call us at 737-0-777 or text 0999-227-1927.