From ipon to investment: Start your investing era with as little as P100!

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When your most important financial affairs are in order – your emergency fund is ready, you have paid off all your utang, and you have met your savings goals – you may start thinking about how else you can grow your hard-earned money. Instead of just letting your ipon sit idly in your bank account, one option worth exploring to grow your money is to try your hand at investing.

According to the Bangko Sentral ng Pilipinas, investing is the process of buying assets that increase in value over time, with a goal of generating income or selling for a profit. Some people think that investing is only for the wealthy or those with millions of pesos in the bank, but that is not necessarily the case. Depending on the investment product, you can get started with as little as PHP 100.

Of course, investing is not as simple as putting money away and watching it grow. Different investment options come with varying levels of risk and potential returns. Some are better suited for beginners who prefer more predictable earnings, while others offer greater growth potential but carry a higher risk of losing money.

How to choose the best investment tool for you

Once you have a good understanding of basic investment jargon, there are important considerations to keep in mind before investing your money. 

First, the Bureau of Treasury (BTr) recommends knowing your risk appetite – how comfortable you are with the possibility of losing money in exchange for potential returns. Some people prefer lower-risk investments, even if the earnings are more modest, while others are willing to take on greater risks for potentially higher returns. The BTr offers a Risk Tolerance Calculator that can help you get a better idea of your risk profile.

Next, consider your financial goals and time horizon, or how long you can keep your money invested before you will need it. The BTr recommends matching the timeline of your investments with your financial goals. For example, simply saving money in your bank account can help achieve your shorter-term financial goals, while investments with a longer time horizon may be more suitable for medium- to long-term goals. 

By understanding your risk appetite and financial goals, you can narrow down your options and choose investments that better suit your needs.

Explore your investment options

Ready to take your first step into investing? Here are some investment tools available for Filipinos, along with key information for each.

Before investing, research each product carefully and check its latest terms, fees, and minimum investment requirements. Most importantly, only invest money you can afford to set aside, and choose an option that matches your financial goals and risk tolerance. 

Philippine stocks

Risk level: High (stock prices fluctuate significantly)

Minimum investment: PHP 100

Best for: Investors with a longer time horizon who are willing to accept market fluctuations in pursuit of potential growth

What it is: Shares of ownership in publicly listed companies on the Philippine Stocke Exchange (PSE). Investors may earn through price appreciation and dividends, but stock prices can rise or fall, and losses are possible.

When your most important financial affairs are in order – your emergency fund is ready, you have paid off all your utang, and you have met your savings goals – you may start thinking about how else you can grow your hard-earned money. Instead of just letting your ipon sit idly in your bank account, one option worth exploring to grow your money is to try your hand at investing.


When your most important financial affairs are in order – your emergency fund is ready, you have paid o

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