3 Investments You Can Do as a Beginner

Starting your investment journey doesn’t need to be hard or expensive. There are simple and safe options that you can explore, even with a small amount of money. These choices are easy to understand and can be done through banks or trusted apps.

1. High-Interest Savings Accounts

This is one of the easiest ways to begin. A high-interest savings account allows your money to grow while staying safe. Many banks and online wallets offer this kind of account with no opening fee and a low deposit requirement. Some even let you start with as little as ₱100. It’s a good place to build your emergency fund or save for short-term goals while earning more than a regular savings account.

2. Government Bonds or Retail Treasury Bonds (RTBs)

These are offered by the government through banks and online platforms. When you buy bonds, you are lending money to the government, and in return, you receive interest over time. They are known to be stable and are good for people who want low-risk options. You can start with as low as ₱5,000. These bonds are available during scheduled public offerings, and banks often help you sign up easily online or in person.

3. Mutual Funds or Unit Investment Trust Funds (UITFs)

These are pooled investments managed by experts. Your money is combined with other people’s funds and placed into different types of investments like stocks or bonds. This setup removes the need to study the market yourself. You can start investing with as low as ₱1,000 or ₱5,000. Many banks and trusted apps offer UITFs or mutual funds, and you can monitor your investment through your phone.

These three investment options are simple, beginner-friendly, and easy to access. You don’t need a large amount of money to start. They can help you grow your savings slowly, even while you’re still learning. What’s important is to start small, stay consistent, and keep your financial goals in mind. (ASC)