Hindi po dahilan ang walang pera para hindi makapagsimulang mag-invest.

Nowadays, investment is for everyone. Yes and I mean lahat kahit mga nagtitinda sa palengke, balut vendor, OFW, housewife and even college students or that young child your holding.

The first thing that you need to do is of course to educate yourself for you to know and understand how money works and what suits for your needs.

Now, here’s the top 8 affordable investments that anyone can start this 2019.

1. Money market fund

Ang money market fund ay isang paper asset investment na suitable for investors with a low risk tolerance and have a short-term investment horizon.

This fund provides higher annual returns than your bank savings account and does not impose any sales load on you.

For as low as P5 per day or P100 per month you can start to invest in this kind of financial instrument.

This Fund is for you if:
• You want to have very low risk in your investment, but potentially earn better than regular current, savings, or time deposits.

• Don’t want to look too far into the horizon? Money Market Funds are beneficial as early as one year from date of investment.

• You’re considering time deposits or opening a new savings account but are wondering if there are better options.

Here’s how money market fund portfolio looks like:

If you opt this, you can apply it here: Money market fund application

2. Balanced fund

Ang balanced fund naman is a mix of fixed income and investments with high growth potential, like stocks/equity securities.

You can use this type of financial instrument to build wealth over time while seeking other investment avenues. Balanced funds are channels for diversification, too, as they provide potential steady income from fixed income securities, and growth potential from equity investments.

For as low as P33 per day or P1,000 per month you can start to invest in this kind of financial instrument.

This Fund is for you if:
• You are ready to invest and are currently looking at a long-term investing horizon

• You are willing to take the risk but are not ready to have 100% exposure in the equity/stock market.

The ‘bond’ portion of the Fund helps cushion the risks, should the stock market be fluctuating unfavorably.

Here’s how balanced fund portfolio looks like:

If you opt this, you can apply it here: Balanced fund application

3. Kaiser Ultimate Health Builder

Kung ikaw ay naghahanap ng complete financial plan that includes insurance, long term healthcare at investment, maari kang magsimula with Kaiser. Sa halagang P88 per day ay pwede ka ng magkarun nito.

Upon full payment which is after 7 years, you will receive 7% to 10% dividend income from Kaiser.

During the paying period you are covered with term life insurance and healthcare benefits.

To learn more about this, you can watch it here: How Kaiser Ultimate Builder Works.

The portfolio of Kaiser consists of 51% trust fund which is managed by 2 international banks and 49% investments like Soldivo Strategic Growth Fund. Here’s the Portfolio:

One good thing about this Kaiser is that it helps you to build your discipline to invest every month. If you really want to have a peace of mind on your finances, you can start on this basic investment.

If you opt this, you can apply it here: Kaiser Ultimate Health Builder Application. I suggest watch this video tutorial on how to fill up to avoid any mistakes – How to apply Kaiser video tutorial

4. Bond fund

Ang bond fund ay isang financial instrument na kung saan ang fund ay nakainvest sa high quality government and corporate debts issued by the Philippine government and prime Philippines companies.

This Fund is for you if:
• You are an investor with a low appetite for risk and you’re amenable to modest returns.

• You have money lying around but might need it anytime soon, so your investing horizon is closer towards the medium-term.

• You want to dip your toes into investing and try the least risky of all medium-term investments first.

For as low as P33 per day or P1,000 per month you can start to invest in this kind of financial instrument.

Here’s how bond fund portfolio looks like:

If you opt this, you can apply it here: Bond fund application

5. Index fund

This is a long-term investment outlet that allows you to diversify your money in a mix of domestic stocks. The Fund aims to mirror the performance of the Philippine Stock Exchange Index (PSEi).

This Fund is for you if:
• You are interested in riding on the performance of the Philippine Stock Exchange Index (PSEi).

• You have a high appetite for risk and willing to invest for the long-term.

• You are looking for a passively-managed fund.

Here’s how bond fund portfolio looks like:

For as low as P33 per day or P1,000 per month you can start to invest in this kind of financial instrument.

If you opt this, you can apply it here: Index fund application.

6. Fixed income instrument – Government securities

This fund invests in domestic fixed income instruments, issued by the Republic of the Philippines, which are defined as unconditional obligations of the state and backed by a sovereign guarantee. These investments have minimal yield guarantee but are considered as one of the safest investment outlets.

This Fund is for you if:
• You have money saved which you will use in the near future but want to earn more than the standard saving account interest rates.

• You want to preserve your nest egg without engaging in a business or dealing with complicated stock market trading.

• Your investment horizon is currently for the short- term and you want to get your toes wet with mutual funds before eventually venturing into longer-term options.

Here’s how bond fund portfolio looks like:

For as low as P33 per day or P1,000 per month you can start to invest in this kind of financial instrument.

If you opt this, you can apply it here:  Fixed income instrument

7. MB Life Most18

Kung ikaw naman ay naghahanp ng insurance pero may investment component at pwede kang magwithdraw anytime without charges, then probably Most 18 is for you.

MB Life Most18 is combo-type of investment for it these following features:

  • 18-year level term insurance
  •  Premium Deposit Fund
  •  withdrawal anytime
  •  high yield investment vehicle that is safe with non-negative growth
  •  suitable for emergency funds

The premium is a fix term rate for 18 years. You can use this to fund your  kid’s education and convert for your retirement fund.

Learn more about Most 18, watch it here: How Most 18 works

8. Equity/Stock Fund

This is a long-term investment plan that enables you to maximize the earning potential of your money. If you have always wanted to invest in the equities listed in the Philippine Stock Exchange but find it too complicated or you don’t have the time and energy to do for yourself, the Equity Fund is the way to go.

This fund is for you if:
• You have set aside enough for your short-term needs, and you have enough money for investing.

• You understand the risks of investing equities but you also want higher returns.

• You have no immediate need for your investments and are willing to invest for the long term.

For as low as P33 per day or P1,000 per month you can start to invest in this kind of financial instrument.

Here’s how equity/stock fund portfolio looks like:

Do you know that our government through Social Security System (SSS) invests in mutual fund as well?

If you opt this, you can apply it here: Equity/Stock fund application

So now, it’s up to you which one suites your needs, risk appetite and time horizon.

Huwag mong hayaan na lilipas ang 2019 na hindi ka pa rin nakapagsimulang mag-invest.

Time is Money.