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Simplified: Investing Ideas for Working Pinoys in 2019

At this time of the year, the two things that could get you excited to work- aside from your passion and commitment- are 13th month pay and Christmas bonus. Guilty?

Lucky are those who will be receiving both. But luckier are those who will get 14th month pay.

I hope you will not use the entire amount to throw parties at home, organize lavish year-end family trips, and send luxury gifts to special people.Allocate a budget for your investment this 2019. Who knows, your investment could be your vehicle to get rid of your boss.

Here are ideas that you can consider for your next investment this 2019:

Variable Universal Life Insurance (VUL)

VUL is a two-in-one investment. First as an insurance policy, your family gets an amount when something bad happens to you. Second as a cash deposit, you can withdraw the money you have paid in a number of years as stipulated in the terms plus interest of course depending on the performance of the company you have invested in.

In fact, I signed up for an insurance policy that charges me pay almost P2K per month (called “premium”). A financial advisor from an insurance company is the perfect buddy to call if you are ready to invest in VUL.

Government and Private Company Bonds

Bonds are an investment collected by either the government or a private company that needs money for a certain project like bridges and buildings with terms on the interest rate.

When I was still handling an in-house sales section, I got to meet representatives from two banks that were promoting financial literacy (upon my request because we believe sales agents should be financially literate).

There are banks that offer this type of investment for as low as P5K (opening account only then you can pay P1K every month later on). When the government announces this offering, it is always posted on the website of the Bureau of Treasury. As an investment, you will be paid regularly with your investment plus interest that is defined clearly in the terms.

To start, you can call your bank if they have bond offerings as of the moment. Government bonds are usually publicized in news, so it matters to be updated with current events.

Stocks of Publicly-Listed Companies

Stocks are an investment with a company that gives you partial ownership over the company based on the amount of your investment. The companies are listed in the Philippine Stock Market and you can pick any company of your choice- SM, Jollibee, BDO, etc. through a stock broker. With this, you can be a business partner of Henry Sy and Manny Pangilinan!

If the value of the company goes up, the amount of your money also goes up. If it goes down, the amount also goes down. You will be paid once you sell the stocks, so the politics is: you buy at low rate and sell when the company’s value goes up.

One broker I have seen requires only P1K to open an account. However, I opened my account in another broker that charges only P2,500. Since this is a bit tricky, I advise that you should attend a seminar in stock investing first. It is usually free from the stock broker you are opening an account with.

Unit Investment Trust Fund

UITF investments are exactly stocks but the one choosing whose stocks to buy is the financial institution that collected the investment. The financial institution is an expert in stock investing will be the one buying stocks and bonds for you. 

For as low as P5K with additional monthly deposits, you can open an account. You can call a financial adviser or your bank to check on available UITF investment offerings.

Real Estate Properties

Real estate is all about land and anything connected to it like house, condominium building, park, commercial center, etc. I have been in this industry since 2015 not as a sales agent but as part of the marketing department of a developer.  

After paying a reservation fee as low as P5K, you need to settle the down payment (as low as 10% of the contract price) or the entire contract price so you can finally occupy the property.

As an investment, you can wait for the property to increase in value before finding someone who will buy it from you. You can also improve or furnish it before selling it.

A real estate broker is the expert in this and has the legal hands to do this kind of transaction. When you are talking to someone who claims to be a developer or a broker, protect your investment with a simple verification with Housing and Land Use Regulatory Board (HLURB).

Education is very important. You need to be equipped with proper knowledge before you venture into something that could change your life. This is the reason why you need to consult with a financial adviser before you invest. Once you know how things work, you are now confident to play the game and multiply your money.

Christian is a Marketing Communications practitioner in Quezon City. He is an Igorot from Sagada, Mountain Province. To get in touch with him, please shoot an email to christianaligonow@gmail.com.


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