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Where to invest 500K?

I was able to save P500,000 by working abroad, and now that I'm here in the Philippines I want to use it on something that will generate a steady income for me kahit hindi gaano kalakihan dahil may regular work naman ako. But I want something like 10-20K a month if possible. Wala po ako alam na business at hindi ko siguro kakayanin ang time and effort required to run a business. Wala din po ako alam sa stocks. Sana po mabigyan ninyo ako ng magandang advice. Pag nasa bangko lang kasi anliit ng interest kahit yung time deposit. Salamat po. 
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Comments

  • piquanteyepiquanteye Member PEx Expert 🎖️
    Usana usana ...
  • SoulExchangeSoulExchange 青春フールパワー PEx Expert 🎖️
    500K mo gawin kong 1M in 2 weeks! POWER!!!!!!!!!

    First step is to acquire knowledge in business and investments.
    Maramin ring fb groups that talks about this. But of course, you need to know who to trust. That's why the first step is to acquire knowledge.
  • markapinyamarkapinya PEx Rookie ⭐
    Your goal translates to 24% to 48% per annum return. Monthly timeframe.

    Not possible. Anyone suggesting otherwise exposes you to considerable risk. (Or is scamming you). 
  • thanks for the replies. try ko na lang siguro pag-aralan yung stocks at mutual funds.
    question: sa mismong bangko where i maintain an account, meron sila investment schemes like investment funds, odyssey funds, mutual funds, PERA, stocks and fixed income securities. ok ba na dun na lang ako mag-invest mismo sa bangko? based on your experience, alin po diyan ang the best option? meron ako nababasa na high risk high reward, low risk low reward. ok lang sa akin ang low reward basta hindi naman ako malulugi.  
  • markapinyamarkapinya PEx Rookie ⭐
    edited November 2018
    Just be aware that bank staff are not trained financial advisers. More often than not, they will recommend products based on the commission that they will earn. So karamihan, mga insurance linked investment funds ang iooffer nila sa iyo. Kasi dun sila kikita, regardless of whether it is the appropriate investment for you.

    There are banks/investment firms that offer online questionnaires to determine your risk profile and based on that, recommend what is appropriate for you. For example, Firstmetro Securities has Fundsmart. BDO has a completely online paperless platform. BPI had an online questionnaire in their old expressonline, pero ipiprint mo to take to the branch (good luck na lang kung di ka ihahardsell sa Philam instead)
  • @markapinya ay ganun? i'm so glad i created this thread. i'm learning a lot of things. thank you po. 
  • piquanteyepiquanteye Member PEx Expert 🎖️
    You need to talk to a registered financial planner.
  • cccccccc Member PEx Expert 🎖️
    Just be aware that bank staff are not trained financial advisers. More often than not, they will recommend products based on the commission that they will earn. So karamihan, mga insurance linked investment funds ang iooffer nila sa iyo. Kasi dun sila kikita, regardless of whether it is the appropriate investment for you.

    There are banks/investment firms that offer online questionnaires to determine your risk profile and based on that, recommend what is appropriate for you. For example, Firstmetro Securities has Fundsmart. BDO has a completely online paperless platform. BPI had an online questionnaire in their old expressonline, pero ipiprint mo to take to the branch (good luck na lang kung di ka ihahardsell sa Philam instead)
    This is very true.  Sobra mag hard sell yung mga taga BDO Life, kahit na UITF lang ako interested.  Feeling ko kaya rin Money Market ang sinusuggest sa akin since 100k ang minimum placement niya versus 10k sa other UITF products nila.
  • BoychupitoBoychupito PEx Rookie ⭐
    Talk to the bank's investment counselors, not the bank staffs. They can help you assess what type of investment to go for depending on your goals, risk tolerance and time frame. 
  • That the dilemma , anyway try nyo po ang mga nasa online na idea para sa business, pakinggan nyo at pag-aralan ang mga business strategy.
    click nyo ang access na ito siguradong may mapupulot kayong idea.
    http://www.clikthis.link/aps/?unid=1509064487
  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    seohyun said:
    thanks for the replies. try ko na lang siguro pag-aralan yung stocks at mutual funds.
    question: sa mismong bangko where i maintain an account, meron sila investment schemes like investment funds, odyssey funds, mutual funds, PERA, stocks and fixed income securities. ok ba na dun na lang ako mag-invest mismo sa bangko? based on your experience, alin po diyan ang the best option? meron ako nababasa na high risk high reward, low risk low reward. ok lang sa akin ang low reward basta hindi naman ako malulugi.  
    BPI ang bangko mo. Hehehe.

    Anyway, masyadong malaki ang returns na hinahanap mo without trying riskier placements. Ang best na alam kong risk free (kasi PDIC Insured) ay LTNCDs which can give you around 4-7% tax free earnings provided you will place your money more than 5 years. That is roughly 2-3k earnings per month.

    Ano ba ang goal mo? Gagamitin mo ba iyong earnings as kind of passive income?

    Just to share with you, muntik na rin akong mag Malaysia a few years ago. May Singaporean bank kasi na offshore office duon na hiring sila ng Pinoy. Hindi ako natuloy when I heard na 50K roughly lang ang magiging sahod ko in pesos. Iyong kaibigan ko na nanduon, he stayed at ngayon nasa Singapore na sila and earning 2K SGD per month, his savings to date is less than 1M. May mga friends din ako na nasa UK and Germany. Mga 3-4 taon na sila duon pero hindi pa sila nakapag ipon ng more than 5M.

    Ako kasi ang goal ko why I invest is to retire early talaga. I am not sure kung posible bang makapag ipon ng minimum of 10M while nasa abroad ka for 5 years due to higher taxes and cost of living (unless you have favor from the gods). At kahit pa makuha ko iyan, hindi parin siya enough to sustain permanently. Eventually kasi tatanda rin tayo so kailangan parin nating gumastos for health care.

    Dito ko narealize na you really need to generate multiple streams of income to do that. So there is no way to go but to invest in real estate and business. 😉.  Kung conservative or moderate lang (stocks and mutual funds) ang appetite mo, it will really take awhile bago ka makakasigaw ng freedom.

    Tip ko lang sayo, dahan dahan ka ng mag transition to entrepreneurship, no matter how much you love (or hate) your job. Lahat tayo disposable lang sa mga trabaho natin, so tamang pagmamahal lang dapat.

    Good luck sa mga plano natin ha.

  • seohyun said:
    thanks for the replies. try ko na lang siguro pag-aralan yung stocks at mutual funds.
    question: sa mismong bangko where i maintain an account, meron sila investment schemes like investment funds, odyssey funds, mutual funds, PERA, stocks and fixed income securities. ok ba na dun na lang ako mag-invest mismo sa bangko? based on your experience, alin po diyan ang the best option? meron ako nababasa na high risk high reward, low risk low reward. ok lang sa akin ang low reward basta hindi naman ako malulugi.  
    BPI ang bangko mo. Hehehe.

    Anyway, masyadong malaki ang returns na hinahanap mo without trying riskier placements. Ang best na alam kong risk free (kasi PDIC Insured) ay LTNCDs which can give you around 4-7% tax free earnings provided you will place your money more than 5 years. That is roughly 2-3k earnings per month.

    Ano ba ang goal mo? Gagamitin mo ba iyong earnings as kind of passive income?

    Just to share with you, muntik na rin akong mag Malaysia a few years ago. May Singaporean bank kasi na offshore office duon na hiring sila ng Pinoy. Hindi ako natuloy when I heard na 50K roughly lang ang magiging sahod ko in pesos. Iyong kaibigan ko na nanduon, he stayed at ngayon nasa Singapore na sila and earning 2K SGD per month, his savings to date is less than 1M. May mga friends din ako na nasa UK and Germany. Mga 3-4 taon na sila duon pero hindi pa sila nakapag ipon ng more than 5M.

    Ako kasi ang goal ko why I invest is to retire early talaga. I am not sure kung posible bang makapag ipon ng minimum of 10M while nasa abroad ka for 5 years due to higher taxes and cost of living (unless you have favor from the gods). At kahit pa makuha ko iyan, hindi parin siya enough to sustain permanently. Eventually kasi tatanda rin tayo so kailangan parin nating gumastos for health care.

    Dito ko narealize na you really need to generate multiple streams of income to do that. So there is no way to go but to invest in real estate and business. 😉.  Kung conservative or moderate lang (stocks and mutual funds) ang appetite mo, it will really take awhile bago ka makakasigaw ng freedom.

    Tip ko lang sayo, dahan dahan ka ng mag transition to entrepreneurship, no matter how much you love (or hate) your job. Lahat tayo disposable lang sa mga trabaho natin, so tamang pagmamahal lang dapat.

    Good luck sa mga plano natin ha.


     =) 

    yes po, passive income. naisip ko sayang naman kung idle lang sa bangko kasi ang liit ng interest. i've mentioned before na meron naman ako regular work and i see myself working in the next 10 years siguro. so yung naipon ko pwedeng hindi ko galawin during that span of time. for emergency, andiyan naman parents ko. but when they get old, gusto kong ako naman ang sasagot sa lahat ng pangangailangan nila especially medical. 
    ni-google ko ang LTNCDs at tax-free pala siya? also, nag-issue pala ang bangko ko last year. sayang di ko inabutan.
    i'm also planning to enroll in baking siguro for business purposes.
    yes good luck sa atin toward our financial freedom.  :)     
  • seohyun said:
    I was able to save P500,000 by working abroad, and now that I'm here in the Philippines I want to use it on something that will generate a steady income for me kahit hindi gaano kalakihan dahil may regular work naman ako. But I want something like 10-20K a month if possible. Wala po ako alam na business at hindi ko siguro kakayanin ang time and effort required to run a business. Wala din po ako alam sa stocks. Sana po mabigyan ninyo ako ng magandang advice. Pag nasa bangko lang kasi anliit ng interest kahit yung time deposit. Salamat po.haban
    Kung gusto mo ng investment at mababa ang risk bumili ka ng property. Like real estate. Make sure na trustworthy ang company mag check ka ng track record nila. Bakit property like house and lot or condo? Kasi mabilis lumaki ang value nito.hindi pa bumababa tumataas habang tumatagal. Example nalang bumili ka ng condo during preselling o yung ginagawa palang
    Kung bibili ka 1-2BR unit mayroon na 3-5M
    After 5 years halos 7M+ na ang value nito. Ganyang sa DMCI homes kung skanila ka bibili. If you need assistance buying a condo I can help you. Call me at 09654406239
    Or email me at [email protected]
  • strongwilledstrongwilled PEx Rookie ⭐
    Try Farmon wait ka ng 1 year and may sure na profit. Totoo yan check mo this is  legit company.
  • weewweew PEx Rookie ⭐
    Kailan kaya ulit mag offer ng LTNCD ang mga banks? Still waiting, nalate kasi ko nong sep2018. :(
  • therightonetherightone PEx Influencer ⭐⭐⭐
    edited March 2019
    weew said:
    Kailan kaya ulit mag offer ng LTNCD ang mga banks? Still waiting, nalate kasi ko nong sep2018. :(
    Maybe pwede RTB? 6.25% less withholding tax:  https://www.bdo.com.ph/rtb

    or more flexible itong bagong account type ni SECB: https://www.securitybank.com/personal/accounts/high-interest/secure-goals/
  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    weew said:
    Kailan kaya ulit mag offer ng LTNCD ang mga banks? Still waiting, nalate kasi ko nong sep2018. :(
    Banks naman don't have a specific schedule. Check2x ka lang sa websites nila or sa newspaper.
  • gotta lick itgotta lick it PEx Influencer ⭐⭐⭐
    cccc said:
    Just be aware that bank staff are not trained financial advisers. More often than not, they will recommend products based on the commission that they will earn. So karamihan, mga insurance linked investment funds ang iooffer nila sa iyo. Kasi dun sila kikita, regardless of whether it is the appropriate investment for you.

    There are banks/investment firms that offer online questionnaires to determine your risk profile and based on that, recommend what is appropriate for you. For example, Firstmetro Securities has Fundsmart. BDO has a completely online paperless platform. BPI had an online questionnaire in their old expressonline, pero ipiprint mo to take to the branch (good luck na lang kung di ka ihahardsell sa Philam instead)
    This is very true.  Sobra mag hard sell yung mga taga BDO Life, kahit na UITF lang ako interested.  Feeling ko kaya rin Money Market ang sinusuggest sa akin since 100k ang minimum placement niya versus 10k sa other UITF products nila.
    it is a bank scam to promote their products. they will get promoted if they get enough accounts for those products.

    [email protected]@ Money Market account na iyan. you choose. we broker. you lose. your fault. now pay the bank the broker fee, placement fee and etc etc.

    same situation here. i was asking about the Treasury Bill and Bonds. they kept say NONE. worst, they were pushing us for the Money Market and Insurance schemes.

    FYI ... i pulled out all my money from these banks and transferred it to smaller banks which accommodated my request.


    Talk to the bank's investment counselors, not the bank staffs. They can help you assess what type of investment to go for depending on your goals, risk tolerance and time frame. 
    but you have to sign a waiver stating bank counselors will not inform you if your money is earning or losing. it up to you to check its performance. do not blame the bank if you lose money. but make sure you pay the fees.


    seohyun said:
    thanks for the replies. try ko na lang siguro pag-aralan yung stocks at mutual funds.
    question: sa mismong bangko where i maintain an account, meron sila investment schemes like investment funds, odyssey funds, mutual funds, PERA, stocks and fixed income securities. ok ba na dun na lang ako mag-invest mismo sa bangko? based on your experience, alin po diyan ang the best option? meron ako nababasa na high risk high reward, low risk low reward. ok lang sa akin ang low reward basta hindi naman ako malulugi.  
    BPI ang bangko mo. Hehehe.

    Anyway, masyadong malaki ang returns na hinahanap mo without trying riskier placements. Ang best na alam kong risk free (kasi PDIC Insured) ay LTNCDs which can give you around 4-7% tax free earnings provided you will place your money more than 5 years. That is roughly 2-3k earnings per month.

    Ano ba ang goal mo? Gagamitin mo ba iyong earnings as kind of passive income?

    Just to share with you, muntik na rin akong mag Malaysia a few years ago. May Singaporean bank kasi na offshore office duon na hiring sila ng Pinoy. Hindi ako natuloy when I heard na 50K roughly lang ang magiging sahod ko in pesos. Iyong kaibigan ko na nanduon, he stayed at ngayon nasa Singapore na sila and earning 2K SGD per month, his savings to date is less than 1M. May mga friends din ako na nasa UK and Germany. Mga 3-4 taon na sila duon pero hindi pa sila nakapag ipon ng more than 5M.

    Ako kasi ang goal ko why I invest is to retire early talaga. I am not sure kung posible bang makapag ipon ng minimum of 10M while nasa abroad ka for 5 years due to higher taxes and cost of living (unless you have favor from the gods). At kahit pa makuha ko iyan, hindi parin siya enough to sustain permanently. Eventually kasi tatanda rin tayo so kailangan parin nating gumastos for health care.

    Dito ko narealize na you really need to generate multiple streams of income to do that. So there is no way to go but to invest in real estate and business. 😉.  Kung conservative or moderate lang (stocks and mutual funds) ang appetite mo, it will really take awhile bago ka makakasigaw ng freedom.

    Tip ko lang sayo, dahan dahan ka ng mag transition to entrepreneurship, no matter how much you love (or hate) your job. Lahat tayo disposable lang sa mga trabaho natin, so tamang pagmamahal lang dapat.

    Good luck sa mga plano natin ha.

    sounds great because it is tax free.

    but it is there more profitable but short term options which is risk free like TBills and RTBs?


    seohyun said:
    I was able to save P500,000 by working abroad, and now that I'm here in the Philippines I want to use it on something that will generate a steady income for me kahit hindi gaano kalakihan dahil may regular work naman ako. But I want something like 10-20K a month if possible. Wala po ako alam na business at hindi ko siguro kakayanin ang time and effort required to run a business. Wala din po ako alam sa stocks. Sana po mabigyan ninyo ako ng magandang advice. Pag nasa bangko lang kasi anliit ng interest kahit yung time deposit. Salamat po.haban
    Kung gusto mo ng investment at mababa ang risk bumili ka ng property. Like real estate. Make sure na trustworthy ang company mag check ka ng track record nila. Bakit property like house and lot or condo? Kasi mabilis lumaki ang value nito.hindi pa bumababa tumataas habang tumatagal. Example nalang bumili ka ng condo during preselling o yung ginagawa palang
    Kung bibili ka 1-2BR unit mayroon na 3-5M
    After 5 years halos 7M+ na ang value nito. Ganyang sa DMCI homes kung skanila ka bibili. If you need assistance buying a condo I can help you. Call me at 09654406239
    Or email me at [email protected]
    real estate is worst investment because nobody will by your unit for 7M. they will rather buy a new unit for 3M.


    weew said:
    Kailan kaya ulit mag offer ng LTNCD ang mga banks? Still waiting, nalate kasi ko nong sep2018. :(
    Maybe pwede RTB? 6.25% less withholding tax:  https://www.bdo.com.ph/rtb

    or more flexible itong bagong account type ni SECB: https://www.securitybank.com/personal/accounts/high-interest/secure-goals/
    this guy knows what he is saying.


    im booked for this years RTB too. yun extra cash lang nga. some banks offering RTBs have a very high minimum deposit. so look for a bank that will accommodate your needs.

    the RTB last year was dismal.

    FYI ... meron bad side ito. it is not like a deposit where in your money will earn daily throughout the term. RTBs will remit quarterly earnings. in short, that quarterly earning will not earn as much as 6.25%. it will get stuck on your settlement account which is not earning interest. the solution is to open a settlement savings account which is tied to a higher interest rate just like the Maxisaver of BPI or Optimum of BDO.
  • gotta lick itgotta lick it PEx Influencer ⭐⭐⭐
    FYI .... there is a new corporate bond this March, the San Miguel Corporation Global Power Fund. it is higher than the previous bonds plus they have three maturity rates.
  • piquanteyepiquanteye Member PEx Expert 🎖️
    FYI .... there is a new corporate bond this March, the San Miguel Corporation Global Power Fund. it is higher than the previous bonds plus they have three maturity rates.
    Para saan gagamitn ng SanMiguel? Renewable energy ba?

    Bank of Commerce ba issuer?
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