Investment Types That You as Employee Can Do For 2017

Growing Money
Growing Money


We invest because we want our money to grow. Your investment should be putting money in your pocket, not taking any of it out. An apartment unit with no tenants is not an investment but a liability (at that moment). We can invest different resources that we have. It can be time, money or other resources like land, real properties etc.

Micro Lending

Lending money to someone who is in need can pay out big time. Lending is very high risk but the rewards are high. To lower the risk, lend only with payments in post dated cheques. In this way, there is a legally binding document that ties the borrower to the cash owned. Credit card companies’ interest rate is around 3.5% per month while the typical 5-6 (five six) lending is 20% per month.


Investing in stocks is also risky but is controllable by timing when you buy your stocks. I only tend to buy stocks of companies that are generally household names. These are the companies that every common Filipino uses at least once in a month.  Once there is a fall in prices for these types of stocks, you should be gradually buying shares. Your average price will average out. Acquire shares only after the prices have gone down already by a significant margin. Think of this as a sale. When people see a 20% discount in a shopping mall, this a buy signal for them. Take note that this is only applicable for companies that you always use. Water, electricity, food, mall, telecom etc. Speculating on companies that you hardly know can be considered as gambling and not investing.

Savings Account / Time Deposit

These only works for you if you have like millions in your bank account. The bank interest rates are so low but you will still earn money. For example, a typical interest rate is .25% to 1.25% per year. If you have 1 million pesos, your account will earn PHP 2500 per year or PHP 208 per month. Time deposits on the other hand yields a higher interest rate. Also take note that Philippines Inflation rate is around 3.5% per year. So if your money is earning lower than the inflation rate, you are actually losing money.