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What are some good ways to make your money work for you here in the Philippines

joelfernandes · 6 · 3694


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I'm going to med school this June and saved some money during my last year in college, but having 2 more siblings in college, I feel that I burden my parents because of the ridiculous tuition fees of med school. So instead of spending my saved money on stuff or having it idle in a savings account I want to invest or spend on something that could help in the future. I have some some friends who buy stocks and plan to sell them in x years, and another friend who invested in UITF at Metro bank. Any opinions and advice is appreciated.


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In Phils capital is MUCH higher valued compared to work than in North America and Western Europe. 
For instance
in some region it's common with finansieres pay the costs for a specific harvest, while the farmer have the land and do the work.  A common deal for rice is the financiere get all money back and 25-33 % of the rest.  BUT your money can be LOST if the harvest fails.  It's kind of a temporary Joint Venture so the farmer will not become in dept to you if the harvest don't cover what you invested.  Rice take normaly 4 months (plus sell time.) A TOP harvest can almost double investors money in 4 months, but can be a loss too. The normal is in between.
A Filipina friend of mine is very good at finding opportunities for her investments BUT she was very bad at judge the risks. She was sad and told me she had LOST very much money in her messure. Then I tought her how to think to judge risks. After that she have had no losses and earn so good at her investments so she need to work only 2-4 days per month  = when she fetch her shares    :)

Find people YOURSELF who have business mind but miss capital.
DON'T put money in MLM because to many join in Phils.
And DON'T choose "to good" investment offers because there are a lot af such SCAMS.
« Last Edit: Feb 27, 2020, 12:07 AM by Thomas »


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The lessons I have learned is never invest on anything that you do not fully understand. I have made a bad investment but that is all right for me because I know what I was getting myself into -- I had contingencies just in case they decide it is okay to screw things up. I myself have dealt with investors before and it is never easy for all parties. It is always a risk for everyone concerned. I have been an investor, accepted investors too -- and am a consultant for a few friends on business matters; and I see a pattern that Filipinos always want easy money and are okay to keep one eye shut to avoid acknowledging any consequences. So if you want to invest, make sure you understand the industry you are putting your money into so you know if you are being told the truth or just being played. Your specialty, your field, your hobby, your passion, your experience -- these are the top qualifying factors in personally choosing the right investment.


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When I was younger in the 80s, I invested in the stock market. And over the years, finally sold it all with almost zero profit.
A publicly traded stock company was set up by the founding directors with the intention of raising capital for a business venture. a 25% paid up inital capital needed to start up. Over the years, these directors with their salaries, bonuses and other perks and expenses charged to the corporation recovered what they had invested. No more personal financial risks.
And these directors do insider trading, releasing rumors to pump up stock prices and short sell. I lost but I learnt never trust others to manage my money. 


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Real Estate is one of the top ways to earn and make your money work.

-property appreciation (can be 3.5-5% each year or 2x a year)
-renting your property

message me, we have a lot of projects.


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Real Estate is one of the top ways to earn and make your money work.

Well. Sure there are some good Real Estate investments,  but many bad ones too.

-property appreciation (can be 3.5-5% each year or 2x a year)

That's not impressing  :)  in a country as the Philippines where capital is valued much higher compared to work than in "western" countries.

I have seen many properties with a very low rent in percentage of what they cost to buy.

So I believe there are many better investments.  But there are no investments, which realy can guarantee as much as the scamers falsely "guarantee"... 
« Last Edit: May 25, 2020, 12:24 AM by Thomas »


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