Investment Options for Filipinos Beginners: A Practical Guide to Starting in 2025

For many Filipinos, building wealth no longer means relying solely on savings. With inflation eating away at the value of money, knowing the right investment options for Filipinos beginners has become a necessity—not a luxury. The good news? You don’t need a large amount of money or a finance degree to start.

This guide walks you through beginner-friendly investments in the Philippines that are easy to understand, low in risk, and accessible even to those with limited capital.

Why More Filipinos Are Starting to Invest

Whether you’re a student, a young professional, or an OFW planning for retirement, investing is one of the smartest ways to grow your money over time. With more digital platforms and financial education available, it’s never been easier to explore where to invest money in the Philippines safely and wisely.

7 Beginner-Friendly Investment Options in the Philippines

These are ideal for those asking, “Where do I even begin?”

1. Pag-IBIG MP2 Savings Program

A government-backed savings program that earns higher dividends than regular savings.

• Minimum Investment: ₱500/month

• Risk Level: Low

• Ideal for: Long-term savers, retirees, and conservative investors

2. Retail Treasury Bonds (RTBs)

Issued by the Philippine government, RTBs offer a guaranteed return, making them a low-risk investment for beginners.

• Minimum Investment: ₱5,000

• Returns: Around 5–6% annually

• Where to Buy: Through major banks and mobile apps like Bonds.PH

3. Mutual Funds

Managed by professionals, mutual funds pool money from various investors and invest in diversified assets.

• Minimum Capital: As low as ₱1,000

• Access: Sun Life, Philam, BDO, COL Financial

• Ideal for: Those who want a hands-off approach

4. UITFs (Unit Investment Trust Funds)

Similar to mutual funds, but offered by banks. Ideal for those already banking with major institutions.

• Minimum Investment: ₱1,000 to ₱10,000

• Providers: BPI, Metrobank, Security Bank

5. Digital Banks with High Interest Rates

While not technically an investment, saving in high-interest digital banks like Maya or SeaBank earns more than regular banks.

• Interest Rates: 4–6% p.a.

• Risk: Low (BSP regulated, PDIC insured)

• Bonus: No maintaining balance required

6. Stock Market via COL Financial or BDO Nomura

Buying stocks sounds intimidating, but platforms now let beginners invest easily.

• Start With: ₱1,000

• Tip: Begin with blue-chip companies (Ayala, SM, PLDT)

• Knowledge Required: Moderate—read before diving in

7. Investment Apps like GCash and Coins.ph

Modern fintech apps now allow users to buy government bonds, crypto, or even mutual funds.

• User-Friendly: Yes

• Minimum Investment: As low as ₱50 in some cases

• Best for: Beginners exploring small-scale, flexible investments

How to Start Investing in the Philippines (Step-by-Step)

1. Set a financial goal – Short-term (1–3 years), medium (3–5 years), or long-term (5+ years)?

2. Know your risk tolerance – Are you okay with market swings, or do you want guaranteed returns?

3. Pick the right investment – For stability, go with Pag-IBIG MP2 or RTBs. For growth, look into mutual funds or stocks.

4. Start small, but start now – Don’t wait for the “perfect time.” The earlier you begin, the better.

5. Track and review regularly – Use apps, spreadsheets, or advisors to track your investments.

Best Investment for OFWs in 2025

For OFWs looking to grow their hard-earned money back home, here are top picks:

• Pag-IBIG MP2 – Stable and government-backed

• Mutual Funds – Accessible even overseas via online brokers

• Real Estate – Still a solid long-term option if done wisely

These are all safe, accessible investment options for Filipinos beginners working abroad or remotely managing their finances.

Common Mistakes First-Time Investors Should Avoid

• Jumping in without research

• Falling for scams or “too good to be true” returns

• Putting all money into one investment

• Withdrawing too early due to panic

Smart investing requires patience and consistency. Start small, stay disciplined.

FAQs: Investment Options for Filipinos Beginners

1. What’s the safest investment for beginners in the Philippines?

Government-backed options like Pag-IBIG MP2 and RTBs are among the safest.

2. Can I invest with just ₱1,000?

Yes. Platforms like COL Financial, GCash, and mutual fund companies allow you to begin with as little as ₱50 to ₱1,000.

3. What’s the best investment app for beginners?

GCash for convenience, COL Financial for stocks, and Seedbox for mutual funds are all solid choices.

4. Is it better to save or invest?

Both are important. Save for emergencies; invest for long-term growth.

5. I’m an OFW. How can I invest in the Philippines remotely?

Most platforms now allow full online enrollment. Choose digital banks or investment platforms that support overseas access.

Final Thoughts

There’s no one-size-fits-all approach when it comes to investing. But for those just starting out, these investment options for Filipinos beginners offer accessible, safe, and practical ways to grow money. Whether you’re looking for low-risk investments for beginners or exploring the best investment for OFWs, the key is to start with what you understand and build from there.