Kim Cubio
January 3, 2020
What a great way to start the new decade with a right decision to invest your hard-earned money. Investment does not need to tedious as others may think. With proper knowledge on investing, it would be easier to comprehend how it works.

Philippines continues to strive economically; thus, making itself a great hub and one of the best countries to invest in as published by a new global business report. Working during regular hours won’t guarantee you of a constant flow of income, that’s why we always look for ways to earn extra income. While there are more ways on how to earn, who wouldn’t want to earn an income that only requires little amount of time and energy, right?

Here are the five best investments for 2020:

1. Stock Market

The most common investment and considered as the most favorable place to invest your money is through the stock market. Investing in the stock market makes you a shareholder of a company you invested in. This means that you get to own a part of the company. Once it profits, you get a portion of it in dividends based on how many shares of stock you own. The value of the company grows over time, so do the price of the shares you own. Investing in stocks requires a long-term commitment, so patience is a must.

2. Bonds

Bonds, also known as fixed income investments, are technically loans made to large organizations such as corporations, cities, and national governments. Such large organizations will pay you the interest on the loans over the duration of the bond’s lifecycle. They are considered as less risky compared to stocks; however, their potential for returns is much lower as well. There are various types of bonds according to those who issue them, length until maturity, interest rate, and risk. Municipal bonds are issued by cities and municipalities while corporate bonds are issued by companies.

3. Mutual Funds

A mutual fund is a collection of stocks, bonds, or other securities and it allows you to buy more stocks in one purchase. In the Philippine set-up, it is regulated by the Security and Exchange Commission. It is commonly offered by companies such Sunlife Financial and Philam Asset Management, or banks like BPI. Compared to stock market, mutual funds do not require much time and effort since this is typically managed by a professional fund manager who is responsible in growing the money you invested.

Mutual funds have four categories:

4. Bank Products

The widely known and practiced investment of most people is the bank products. Known as the least risky way, investing your money through bank products is simply depositing it in a savings account and allow it to accumulate interest. Given its nature, this is by far the type of investment with the lowest returns it can guarantee. Bank products include savings accounts, certificates of deposits (CDs), money market and others. Despite the low returns, bank products still play a vital role in every investor’s life since it allows you to set aside risk-free money which you can get anytime especially at times of emergency and without touching your other investments.

5. Real Estate

Real estate has been one of the major choices for Filipinos to invest in. Provided with the right choices, everyone can invest in real estate despite its nature that requires higher amount of money to invest. Real estate is more than just buying a home. It can guarantee you a consistent and constant cash flow when it is done right. It offers various ventures like leasing land, renting property, land partnership, condotel investing, and etc. The Philippines was considered as the best real estate market for the last two decades according to a property consultant in the said country. Thus, today is the right time to venture into investing in the real estate. 

There are properties ready for viewing so you may visit the website and contact them to schedule an appointment.

The Cebu Realty and Brokerage has been in the real estate industry for almost 25 years. It has served clients from around the globe finding them the best properties that suit them best. Founded by Gerry Yangyang who is licensed real estate broker and has also been in the industry for almost 30 years, the Cebu Realty and Brokerage aspires to consistently exceed the expectations of their clients and provide them with ethical, excellent and professional service while upholding the dignity of the real estate profession.

Cebu Realty and Brokerage offers various options of real estate properties such as condominiums, houses, commercial spaces, leasing properties and others. Aside from that, they also offer other services and assistance like land title transfers. There are properties ready for viewing so you may visit the website and contact them to schedule an appointment.

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