What are the available investment options in the Philippines?

One way to plan for the future is to save and invest your hard-earned money — this way, you can have multiple sources of income and build your wealth. But how do you know where you should you invest your funds?

Here are some questions you need to ask yourself:

Why are you investing?

The first step is setting financial goals. What are you hoping to achieve by investing — are you saving up for your dream wedding in a year’s time, or are you planning for your retirement 20 years from now? With a goal in mind, you are able to narrow down your options.

How much money can you invest?

The next question, of course, is how much you are willing to set aside for investments. You cannot invest all of your money at once. Make sure to set aside cash for your daily needs as well as an emergency fund.

What’s your risk appetite?

Investing does come with risks — that’s the degree of potential losses that you are willing to endure. It’s best to find an investment product that suits your risk tolerance — the last thing you want is to spend sleepless nights worrying about your money just because you took on a bigger risk than you are comfortable with.

Many often start as a low-risk or conservative investor through investment products that offer the most stable but modest returns. Some examples are money market mutual funds, corporate and Treasury-issued bonds, and time deposits offered by banks.

At the other end of the spectrum is the aggressive investor. He/she is willing to take on a high risk of losing money for the chance to gain the biggest possible profit from that investment, like stocks and cryptocurrency. This is usually reserved for those who know the market and have been investing for a long time.

Some find a middle ground. A moderate-risk investor usually places their funds in a mix of low-risk and high-risk instruments. It’s always a good idea to diversify. As the saying goes: don’t put all your eggs in one basket.

Make sure to invest with a reputable developer like DMCI Homes to make the most out of your investment. (Artist’s illustration of preselling development Allegra Garden Place in Pasig Boulevard, Pasig City)

How soon do you need to cash out gains from the investment? 

If you are investing to fulfill a short-term financial goal (such as a wedding or a car purchase), opt for time deposits or instruments with a short lock-in period. 

Individuals who are ready to invest a bigger amount for a long period of time will always find real estate as a low-risk but financially rewarding investment option. Real estate prices have appreciated through the years and continue to do so, providing a high return on investment. 

You can find many uses for your property, too. If it’s a house, you can live in it or rent it out and make a profit. There’s always an option to sell when you need the cash, and by then, you earn more since the property value has appreciated. 

Choosing the right developer reduces the risks associated in buying a property. 

At DMCI Homes, customers are assured of the quality of construction and timely turnover of units. DMCI Homes is the first contractor in the country to receive Quadruple A status, the highest among quality standards. The company’s track record of stability and integrity likewise provides assurance to property buyers that they are getting their money’s worth in terms of quality and services. 

Start investing in real estate by checking DMCI Homes’ pre-selling and ready for occupancy projects, units for lease, and special promos. You can also visit DMCI Leasing Servicesto know more about opportunities in leasing and rent-to-own (Home Ready™) programs of DMCI Homes. News and other updates are also posted on the company's official websiteand social media accounts on Facebook, X, Instagram, and YouTube.