Wednesday, March 10, 2010

Where is the best place to put my money?

You have to determine for yourself the right investment portfolio that will work for you given your goals and financial situation. Study the different investment vehicles available and see where best you can park your money:


Pros: They are safe since the Philippine Deposit Insurance Corporation (PDIC) insures deposits up to P250,000. They provide steady interest income. They are also easily accessible. A savings and current account can help you manage your day-to-day expenses.
Cons: Interest on savings and current accounts are minimal.

What to do: Consider investing in a time deposit for higher interest. The secret to earning in a time deposit is to hold it for a long term at an interest rate higher than the inflation rate. You can also have investment in foreign currency to take advantage of higher rates depending on the market.


Pros: They are relatively reliable since these are guaranteed by the Philippine government. They also provide steady income. You can easily access them and sell them through the money market as handled by banks.

Cons: Interest may be lower as compared to other investments.

What to do: Hold some government securities as part of your portfolio. You may want to invest directly in Treasury bills or join a mutual fund or unit investment trust fund investing in fixed income instruments like government securities.


Pros: As fixed income instruments, they give fixed interest income for a specified number of years. This rate is usually higher than that offered by government securities or bank deposits.

Cons: Bonds come with a risk. They are not guaranteed by an insurance company like PDIC. The higher the interest offered, the higher the risk that the company will default on payments.

What to do: Put some money in bonds depending on your financial goal to let you realize more returns. Hold it for the long term. Choose only bonds with good rating. You may want to join a mutual fund or unit investment trust fund directly investing in bonds to save you the trouble of identifying the best performing bonds in the market.


Pros: When there is a bull run in the market, stocks perform well. You also gain a lot when you get good stocks during the initial public offering. In the long run, stocks may outperform bonds in terms of yield.

Cons: There is a big risk of losing your capital as market prices change daily.

What to do: Invest only what you can afford to lose. Hold your stock investment for the long term to ride out market price fluctuations. You may also invest in stocks via a mutual fund or a unit investment trust fund.


Pros: You may earn a lot as the price of property appreciates over time.

Cons: Sometimes the real estate market is down and you may not get a good market value for your property. It is also not very accessible since you need time to sell it off should you need the funds. Maintenance costs may also be high.

What to do: When buying real estate, time it right when you can get a good price for your property. If you can rent it out, you can use the money to invest elsewhere.

So have you decided where to invest?


  1. I invest with a fine art company. I receive a guaranteed yield of 10% per annum with proven capital growth. This is achieved through there corporate rental business (buy to let). The company provides me with all the financial historical data on each investment artist they collate all the data from all auction sales globally. This though is not contempory art they only deal with the Masters of fine art (Pablo Picasso, Andy Warhol etc...) Each work is authenticated and signed by the artist which i actually got verified myself by two independent sources and yes they were genuine. Also the capital growth on these selected artists can be anywhere from 100-500% over a 5- 10 year period. Intially i tested them out with just a few thousand dollars & from completion of the rental contracts i started to receive my yield from month 1. Needless to say i have now heavilly invested with them & am sat back every month waiting for my income its fantastic. You can contact my consultant at .uk he will be able to furnish you with all the details you need to get started in the best alternative to the traditional markets. Plus i own some wonderful works of art which i will resell in time or maybe just keep renting them out.

  2. If you have idled money you need to invest it so that it will grow faster but you should choose the reliable investment.

  3. i checked, theres no such site. was there a typo?

  4. eto dapat tignan mo...