10 Best Investment for Filipino Young Professionals [UNDER 100K]

For many young parents and professionals, it appears prudent to consider investment early on. Especially now, our economy is in a very tough situation and it left us no choice but to be financially frugal.

If you’re looking for a long-term investment vehicle to put your money on this year, we’ve listed 10 best investment options to start for young parents and starting families in the Philippines with capital below Php100K. 

READ: How to Invest Your Money During the Coronavirus Pandemic: 5 Questions to Ask Yourself Before Investing

VUL Insurance

Variable Universal Life (VUL) is one of the most popular investment options for young adults now. VUL is simply a form of cash-value life insurance that has investment value. Investing in VUL will get you protection for your family and access to stock funds.

Advantages of Investing in VUL - Filipino Homes

Advantages of investing in VUL: 

  • Low minimum investment
  • Tax-Free Death Benefit Payout
  • Liquidity (withdraw cash anytime)
  • Automate Savings


The Modified Pag-IBIG 2 or MP2 is a voluntary savings program available to existing and former Pag-IBIG Fund members. MP2 has a minimum savings requirement of Php500 that lets your money earn up to 7% in dividends.

Advantages of Investing PAGIBIG MP2 - Filipino Homes

Advantages of investing in Pag-IBIG MP2: 

  • Earnings are tax-free and guaranteed savings backed up by the government
  • You can withdraw any time (Terms apply)
  • Contributions are flexible

P2P Lending

If you’re looking for an easy and less complicated investment vehicle, P2P might work well for you. Peer-to-peer lending or P2P is a kind of investment that pools money from its members/investors and lends them to borrowers. Simply put, peers lend money to their peers and repay with interest. Plus, it does not require a huge amount of investment as well.

Advantages of Investing P2P Lending - Filipino Homes

Advantages of investing in P2P Lending:

  • Requires little money to start with
  • Potential for better returns
  • Lower interest rates
  • More accessible source of funding


Unit Investment Trust Fund or UITF is simply explained as funds from different people facilitated by the bank to be used for different products (i.e stocks, bonds, or government securities). UITFs can be a good vehicle for long-term investment goals.

Advantages of Investing UITF - Filipino Homes

Advantages of investing UITFs:

  • Low minimum investment 
  • Professionally-managed funds 
  • Ideal for all risk appetites
  • It is supervised by the Bangko Sentral ng Pilipinas (BSP)

Stock Market

Simply put stocks are units of ownership in a corporation. This means that if you own or invest in stocks of a company, you become one of its “owners”. You earn by getting dividends (can be in the form of cash or additional stocks) and selling the stock shares you bought at a higher price. And for as low as Php1,000, you can start investing in the stock market through COL Easy Investment Program.

Advantages of Investing Stock Market- Filipino Homes

Advantages of investing in Stocks:

  • Make money in two ways 
  • Dividend Income
  • Diversification
  • Ownership 
  • Take advantage of a growing economy

Small Business

Why not start your own small business? Having your own business will yield greater potential for unlimited income. And if any case you already have one, we’ve written practical tips you can do for your small business to survive the pandemic. Remember in every business, it takes hard work, resourcefulness, and a good long-term plan to succeed.

Advantages of Investing in Small Business- Filipino Homes

Advantages of investing in Small Business:

  • Potential for Unlimited Income
  • Greater Rewards for Higher Risks
  • Do Work You Truly Love
  • Collect a Big Windfall

Real estate

Real estate property is definitely a valuable investment option for young Filipino professionals, especially for the Overseas Filipino Workers. The simple reason why it is an attractive investment is that property appreciates in value over time. Say, if you purchase a property at Php2M, the chances of its value doubling or tripling after five to ten years is high. 

READ: 3 Ways Millennials Can Invest in Real Estate

Advantages of Investing Real Estate- Filipino Homes

Advantages of investing in Stocks:

  • Competitive returns
  • Dividend Income
  • Portfolio Diversification
  • Tax advantages and Ownership 
  • Hedge against inflation

Cryptocurrency or Bitcoin

Bitcoin is an increasingly ideal investment vehicle too among youngsters. Many financial analysts are saying that bitcoin could be the future of money. Cryptocurrency or bitcoins are digital currency secured by cryptography that people on the internet use to trade. Money could be earned by mining and trading. 

Advantages of Investing bitcoin- Filipino Homes

Advantages of investing in Bitcoin:

  • Low transaction fees
  • High liquidity (easy to use in any situation)
  • Simplified International Payments For Merchants
  • Deflationary and decentralized currency

Personal Equity Retirement Account (PERA)

PERA is a voluntary savings plan established via RA 9505 to encourage Filipinos to invest for their retirement. You can contribute a maximum of Php100K per year and a Php200K maximum limit for those working overseas.

Advantages of Investing in PERA- Filipino Homes

Advantages of investing in PERA: 

  • Tax exemption
  • More time to grow your retirement fund
  • Not subject to estate tax


Just like Mutual Funds, Exchange Traded Fund (ETF) are managed investment funds, only that MF can’t be traded in real-time. Investing in ETFs means you’re owning shares from the top 30 companies in the stock market, including Ayala or SM Corp. As of 2020, the only available ETF in the country is the First Metro Philippine Equity Exchange Traded Fund (FMETF).

Advantages of Investing ETF- Filipino Homes

Advantages of investing ETFs:

  • Minimum Investment (Php2,000 – Php5,000)
  • Diversification
  • Profitable even in your retirement years