4 Affordable PH Investments You Should Make in Your 20s

Did you know that there are Philippine investments you can make for as little as ₱1,000?
By Sheen Moringa

Start with small investment steps in your 20s!

Have you thought about investing?

If you are currently going through the “adulting” stage, you may probably be trying to live alone assert your being “independent.” You are probably also bombarded by all the bills and other living expenses that eat up your monthly salary. Or you may have just started your own family, thus doubling or tripling your living expenses.

With the small amount of money left after paying all the bills, you begin to ask yourself, “Will I ever be able to buy that dream car or house?” You look into investing, but all you see are great amounts of starting capital.

Contrary to popular belief, not all investments are expensive. There are investments you can make with as little as approximately 10% of your monthly salary. Here are four reliable and affordable investments you could and should make in your 20s.

1. SSS Personal Equity Savings Option (P.E.S.O)

The Social Security System (SSS) does not only regulate the pension system of the country, but also offer a voluntary provident fund to all its members, in the form of the SSS P.E.S.O Fund. With contributions for as little as ₱1,000, your money will already be allocated into three accounts: retirement/disability, medical, and general purpose (education, housing, livelihood, unemployment).

2. Unit Investment Trust Fund (UITF)

Facilitated by banks, UITFs are collective investments regulated by the Bangko Sentral ng Pilipinas (BSP). The fund, coming from different kinds of investors, is facilitated by a professional in the field of stocks and bonds, so you will not be stressed as a newbie investor. 
And yes, you can invest in UITFs for as low as ₱1,000, depending on the bank.

3. Mutual funds and other financial funds

Another affordable investment that financial advisors will recommend is a mutual fund. UITFs and mutual funds are actually both pooled investments. The only difference is that UITFs are facilitated by banks and mutual funds are managed by insurance and other investment companies.

Also, in mutual funds, you get shares of a corporation from your investment, thus, depending on the company, the initial investment can start for as low as ₱5,000. Other companies, like FWD, offer other kinds of funds that will suit your investment personality and capabilities. Some of them, like the high dividend equity fund, the growth fund, and the US dollar fund, promise absolute returns and long-term growth for your hard-earned money.

4. Insurance Protection Plans


Insurance companies have made payments flexible enough to suit your needs and financial capacities. In fact, FWD has an insurance with investment plan that you can get for as low as ₱2,000 every month.

The Chinese philosopher Lao Tzu once said:  “A journey of a thousand miles begins with a single step.” However, that first step does not need to be a big one. You can start with baby steps, and you can do that with your investments, too. Start small and reap big. The more important thing is to start right NOW.