Where should I invest?

James Ryan Jonas

What’s a good investment program? Where should I invest?

You probably are one of the many who keep on asking the same questions. Dr. Noet Ravalo, former Chief Economist of the Bankers Association of the Philippines, says: “It depends.” That is, it all depends on what you have and what you need.

It’s a trite response but he says that really is the answer. How and where you invest is determined by:

how much you are investing;

how big a loss you can afford to accept just in case;

how often you wish to generate returns;

how long you want to keep your investments;

how you react to uncertainties; and

how much access you have to information that you would need to monitor and manage your investments.

“Investment gurus may impress you with their so-called secret methods,” Ravalo writes in an article published in the Philippine Daily Inquirer, “but the truth is, it’s all a question of how much you have and what it is for.”

Here are some references to guide you find your investment strategy:

James Ryan Jonas teaches business management, investments, and entrepreneurship at the University of the Philippines (UP). He is also the Executive Director of UP Provident Fund Inc., managing and investing P3.2 Billion ($56.4 Million) worth of retirement funds on behalf of thousands of UP employees.