Think of investing as putting your money to work so it has a chance to grow over time. And no, you don’t need to be wealthy or have thousands of pesos to get started. You can start small using whatever amount you’re comfortable setting aside.

The Bangko Sentral ng Pilipinas (BSP) defines investing as purchasing assets that may increase in value and generate income or profits. Simply put, you put your money into something that could earn you more money over time. Since each investments come with different levels of risks, find one that works for you!

Finding an investment that fits your goals

Before you begin, as yourself two things: How much risk are you comfortable taking? And when will you need your money?

The Bureau of the Treasury (BTr) recommends assessing how comfortable you are with potential losses in exchange for possible gains. Not all investments are equally risky. Some offer more predictable earnings, while others have the potential for higher returns but may also lose value. Its Risk Tolerance Calculator can help you identify your risk profile.

Your timeline matters, too. Kung may paggagamitan ka na ng pera soon, consider investments that let you access it sooner. If you’re saving for a goal that’s still years away, you may explore longer-term investments. Where can you put your money?

Here are five investment options you can explore.

1. Philippine Stocks

Risk: High | Minimum: P100

Best for: Those who want to grow their money over the long term and are comfortable with prices going up and down.

2. Pag-IBIG MP2 Savings

Risk: Low | Minimum: P500

Best for: Those who want a government-backed savings option and leave their money untouched for five years to earn potential annual dividends.

3. Time Deposits

Risk: Low | Minimum: P1,000

Best for: Beginners who want more predictable interest earnings and don’t mind keeping their money in the bank for a fixed period.

4. Mutual Funds and UITFs

Risk: Low to high | Minimum: P1,000

Best for: Those who want to invest in a mix of assets without having to choose and manage each one themselves.

5. Retail Treasury Bonds (RTBs)

Risk: Low | Minimum investment: P5,000

Best for: Those who want regular interest income by lending money to the Philippine government.

Ready to make your money work?

You don’t have to go big right away. Start with an amount you’re comfortable with, take time to understand your options, and learn along the way.

Remember, investing isn’t about finding the option that earns the most. It’s about choosing what works for your goals, when you’ll need your money, and how much risk you’re willing to take.