Cash Mart

Call Us To Discuss Your Loan Today (028) 829 0000


Join over 30,000 happy customers who have experienced personal loans the Cash Mart way. Your online lending partner ANYTIME and ANYWHERE

7 Smart Ways to Invest Your Money

Is investing only for the elite? Do you think you can invest your money like them?

Well, it’s time to discover that investing is for everyone who wants a passive income. It is for those who will take on a financial venture.

You don’t have to be filthy rich. There are a couple of ways to invest your money; you only need a couple of thousand. Most Pinoys are risk-averse. Their aim to grow their net worth is met with fear of losing their savings.

Every investment has certain risks, so you must never put all your eggs in one basket.

Do you want to start investing? Where should you invest your money Philippines?

7 Smart Ways to Invest Your Money


Here are 7 tips on where to invest your money.

Do you want to know where to invest small money Philippines? Choose the most appropriate one for you from the list below.

Savings Account

Banks are secured places, and having your cash in this place gives you assurance. Money in banks is insured unlike if you just keep your money in your drawer. Bills can easily turn into ash if it gets caught on fire. It is almost impossible to recover it in case a thief breaks into your house and gets it.

Aside from the money’s security, savings accounts have interests that can make your money grow. However, they do not have high-interest rates compared to the rest of the list. Saving bank accounts have interest rates ranging from 0.1% to 0.25%.

Saving your emergency funds in a savings account is a good idea, especially if you just started. Your money may grow but not as fast as the other investments.

Time Deposits

Higher interest rates than the savings account will have fewer risks than the other investments. The interest rate can range from 0.25% to 1%. This will depend on the maturity period of the deposited cash, thus the name “time” deposit.

Unlike the savings account, you can’t easily withdraw your money if it hasn’t reached the maturity date yet.
Time deposits have fewer returns compared to more risky investments. The returns or gains in time deposit are still subjected to 20% tax.

Treasury Bills

Treasury Bills are government securities which a maturity period of less than a year. There are 3 tenors: (1) 91 day (2) 182-day (3) 364-day Bills. These numbers, used by banks, make sure that the bills do not mature on a weekday.

You can access Treasury Bills through the major banks in the Philippines, such as the BDO, BPI, Metrobank, and PNB.

Retail Treasury Bonds

Retail Treasury Bonds are medium to long-term investments and part of a Philippine government program to make securities available to retail and institutional investors. Its fixed interest is more liquid than other investments. You can easily sell it on the secondary market.

Mutual Funds

A mutual fund is a company that pools funds from many individuals. Your money in mutual funds is managed by a professional fund manager. However, the professional fund manager may change without prior notice and affect the consistency of the performance of your investments.

Types of Mutual Funds

  1. Equity funds – This mutual fund is high risk. It is primarily invested in the Philippine stock market.
  2. Bond funds – These are in fixed-income securities offered by the government and other private companies.
  3. Balanced fund – This investment is a mixture of equity and bond funds.
  4. Money market funds – A mix of equity and bond funds but has a shorter term.

RELATED ARTICLE:  Beginner’s Guide to Invest in Mutual Funds in the Philippines

Unit Investment Trust Fund or UITF

UITF is a curated investment offered by banks, while mutual funds are from mutual fund companies. Individual and private investors pool their money and select the fund manager who will take care of the investment decisions.

Usually, UITF may be popular for positive returns, but it is not free from risk. All investments have risks. On a positive note, UITF has higher returns than savings accounts and time deposits, which banks offer.

Philippine Stock Market

Stock Market involves high risks, and there is no guarantee of future returns. Therefore, it is important to spend time studying how it works and which companies you plan to invest in.

You may attend free seminars on how to start investing in the stock market, strategies to use when investing your money, and choosing which to buy.

How to make money in the stock market?

  1. Buy and sell shares – You can sell your shares if their price goes higher. However, there is a high chance that your shares’ price can fall too.
  2. Dividends – Stock dividends are additional shares given to shareholders at no cost. This is not mandatory and will depend on the company’s discretion.

Now you know where to invest money Philippines. But it’s up to you to figure out what you can handle the most. Nevertheless, it’s important that you pick a legit investment in Philippines. 


Naturally, Filipinos will make safe investments with high returns in the Philippines. These ventures have more assurance of returns. This is why many Pinoys would rather invest in things that can be sold eventually, such as jewelry, real estate properties, and life insurance. Less than 1% of us invest in stocks, bonds, and other financial ventures.

The best and legit investment in Philippines is in financial literacy! Whether you are rich, an entrepreneur, or employed with a minimum salary, you have the choice to invest your money and save more for the future.

Whatever your financial status, you must invest time, effort, and a bit of money to learn how to handle your money and save up. There are books written by financial advisers to help you with budgeting, saving, and investing. Also, blogs teach people how to handle loans, regain financial stability and grow their money.

If you want to invest in your business but need more cash to start it off, you can apply for a personal loan at Cash Mart. Cash Mart offers quick cash loans with flexible payment options. Check Cash Mart at today.