Everyone wants to earn. Whether USD, Peso or Dollars. It is just all about the length of time and the amount you have and of course the risk taken in each investments.

Esp; in this time of very volatile market, we need to know where we can place our money at.

Do contact me if you are interested because I specialised with Fhilipinos Expatriates.

Thank You.

Regards,
Esther Yap

Naku, ang dami kasing nago-offer ng ganyang investments kaya mahirap mag-suggest. Let’s start with time deposits. Mga bangko lang ang nago-offer nito, at yung interest rate ng time deposit ay depende sa (1) amount ng time deposit mo; (2) time period na iiwan mo yung pera; at (3) risk associated dun sa bangko.

Regarding #3, the smaller and the lesser known the bank is, the higher interest rate you can expect from them to compensate for the risk. BPI, BDO, Metrobank, mga known banks yan so nde ganoon kataas ang time deposit rates nila pero yung mga relatively “unknown” banks at rural banks, mas mataas ang rate. Ikaw ang pipili kung anong bangko ang swak sa yo.

Regarding money market naman, pwede kasi yang Money Market Mutual Fund o Money Market UITF. Yung Mutual Funds offered by investment companies while banks offer UITFs. Halos pareho lang sila, yung difference nila explained sa Mutual Funds vs UITF article.

Again, pili ka kung saan mo gustong ilagay yan. Kung Money Market UITF, bangko ang lalapitan mo. So pili ka uli kung sinong bangko ang pupuntahan mo.

Kung Money Market Mutual Fund naman, tatlo lang ang nago-offer niyan sa Pinas. Sunlife, Philequity at Legacy Fund. Pede kita i-refer sa Sunlife agent na kakilala ko kung gusto mo.

Hirap talaga pumili kung saan ilalagay ang pera mo, pero remember at the end of the day, ikaw pa rin ang magde-decide tungkol diyan. Pero siyempre kung kelangan mo ng tulong mag-decide, pede ka magtanong sa akin o kahit sino sa PMT Forum.

Galing mo nga kasi bata ka pa lang pero gusto mo nang maging financially independent. Ayos yan. Good luck!

ive read the ENTIRE posts and ive been to the forum though i didnt get the whole thing, the posts here were more informative.

Anyways, i think i can afford to risk 5k or 10k for 6-month time deposit or even to a whole year of money market fund ng isang kumpanya.

Where do you suggest i put my investment po? I know there are alot of companies out there but i need your expert advice on this one.

Thanks again! Pesensya na, i really want to be financially independent from my parents as early as now.hehe

For other investment options, take a look at our Investing Guide.

Good luck! Ok yan, bata ka pa pero nag-iisip ka nang kumita at palaguin ang pera mo! :)

Happy New Year!

I have around 30k left nlang left. (naubos sa xmas.hehe) Ano po suggestion nyo with this money.

Should I invest or keep it muna? Naghahanap ka ba ng business partner? hehehe

Happy New Year!

-Kirby

Also, you might want to put your peso in time deposit or mutual funds, if you can afford it, so that you can earn additional interest on your unused peso funds.

I mentioned you on my blog. ;)

http://kirbitz.blogspot.com/2007/12/how-teenagers-make-money-online-using.html

;)

I still have quite a sum of money on paypal (maybe pang Ipod touch na rin. hehe) Does this mean I have to withdraw it as soon as possible?

Im afraid na bumaba pa masyado ang dollar rate. What can you suggest po?