{"id":2309,"date":"2022-06-24T15:57:07","date_gmt":"2022-06-24T14:57:07","guid":{"rendered":"https:\/\/kabayanremit.com\/blog\/?p=2309"},"modified":"2022-06-24T15:57:07","modified_gmt":"2022-06-24T14:57:07","slug":"types-of-investments","status":"publish","type":"post","link":"https:\/\/kabayanremit.com\/blog\/finance\/types-of-investments\/","title":{"rendered":"Types of investing for OFW&#8217;s"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654683103622\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Once you\u2019ve saved up enough money for emergencies as well as your daily needs and wants, you should consider growing your wealth by investing your extra money. There are many different types of investments you can make and doing this can help you achieve your long-term goals and prepare you for the life of your dreams.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654683452792\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>How? Well, savings alone won\u2019t be enough after <a href=\"https:\/\/www.investopedia.com\/terms\/i\/inflation.asp\" target=\"_blank\" rel=\"noopener\">inflation<\/a>, and what you can afford today may be more expensive in the future. Thus, putting some of your savings into different types of investments could add to what you already have, leaving you with some extra cushioning for retirement.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654683839679\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>We\u2019ve already discussed the basics of investing in a <a href=\"https:\/\/kabayanremit.com\/blog\/finance\/5-investment-tips\/\">previous post<\/a>; so, in this article, let\u2019s discuss different ways you can grow your money and find financial freedom.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >What is investing?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1655130055855\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-7.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"woman investing\" title=\"Types-of-investing-7\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-7.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-7-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-7-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654855698730\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>According to the <a href=\"https:\/\/web.archive.org\/web\/20211101072946\/https:\/www.bsp.gov.ph\/Inclusive%20Finance\/Modules\/Module%204%20Basics%20of%20Investing.pdf\" target=\"_blank\" rel=\"noopener\">Bangko Sentral ng Pilipinas<\/a> (BSP of the Philippine Central Bank), investing is the act of purchasing an asset that becomes more valuable over time. Once the value increases, you can sell the asset for a profit, giving you more money in return compared to what you had put in.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654520954976\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Compared to saving, investing takes more time and <a href=\"https:\/\/www.thebalance.com\/saving-money-vs-investing-money-358062\" target=\"_blank\" rel=\"noopener\">comes with risks<\/a>. For example, you may end up losing some money if the value of the investment you made decreases instead of increasing over time. This would be the result of a lot of factors, including the economy and political climate, which you cannot control.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654521027490\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>So, because investing comes with some unpredictability, you\u2019ll need to figure out <a href=\"https:\/\/www.ecb.europa.eu\/pub\/pdf\/fsr\/art\/ecb.fsrart200706_04.en.pdf\" target=\"_blank\" rel=\"noopener\">how many risks you are willing to take<\/a>. From there, you can diversify your portfolio between high and low-risk investments that fit your <a href=\"https:\/\/smartasset.com\/financial-advisor\/risk-profile\" target=\"_blank\" rel=\"noopener\">risk profile<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Where should you invest your money?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1654680351569\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-main-2.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"Types-of-investing-main-2\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-main-2.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-main-2-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-main-2-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654683696695\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Once you\u2019ve assessed your risk appetite and risk profile, you can choose from the following types of investments:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684893442\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Opening a business<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654681469004\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>You can be your own boss and start a small business with some extra money savings. However, there\u2019s still a catch&#8230; Without the right business know-how, you may end up losing instead of profiting.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654854165095\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>For Miki Velasquez, former overseas Filipino worker (OFW) and co-owner of the popular dessert brand <a href=\"https:\/\/www.youtube.com\/watch?v=0fqZj-SEuSs\" target=\"_blank\" rel=\"noopener\">Maxi Mango<\/a>, she had to <a href=\"https:\/\/www.cosmo.ph\/lifestyle\/career-money\/owner-maxi-mango-a1085-a704-20181023\" target=\"_blank\" rel=\"noopener\">endure hard times<\/a>, maintaining a day job and contributing her salary just to keep her now defunct first business afloat. It took her and her husband some time before coming up with a successful franchise that has now <a href=\"https:\/\/cnalifestyle.channelnewsasia.com\/entertainment\/maxi-mango-singapore-256896\" target=\"_blank\" rel=\"noopener\">set up shop in Singapore<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654521598844\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Opening a business isn\u2019t as easy as it looks, so make sure to do your research, explore your options, manage your finances, and determine if you\u2019re someone who\u2019s willing to deal with the uncertainties that come with being an entrepreneur.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684899035\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Investing in non-financial assets<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1656081922805\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-8.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"Types-of-investing-8\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-8.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-8-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-8-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654854258864\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>According to <a href=\"https:\/\/www.investopedia.com\/terms\/n\/nonfinancialasset.asp\" target=\"_blank\" rel=\"noopener\">Investopedia<\/a>, \u201cA non-financial asset is an asset that derives its value from its physical traits.\u201d This can be <a href=\"https:\/\/www.vistalandinternational.com\/blog\/How-this-family-turned-their-dreams-into-reality\" target=\"_blank\" rel=\"noopener\">a piece of property<\/a>, a car, and even intellectual property, like patents and trademarks. Owning non-financial assets can show how much you\u2019re worth and can indicate if you\u2019re a good candidate for a loan.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654521721835\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>However, compared to stocks and bonds, non-financial assets are harder to sell. While stocks and bonds are sold and traded every day, letting go of non-financial assets takes time. You would have to find a buyer and negotiate the selling price, which has no set standard compared to financial assets. This makes non-financial assets more difficult to use as collateral when taking out a loan.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654521743593\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>This doesn\u2019t mean you shouldn\u2019t be investing in pretty things. You\u2019ll just need to spread out your investments.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684906797\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Putting your money in financial instruments<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654521781181\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>This type of investment has two types: fixed income investments and variable income investments. The former already has a set rate, so you know how much money you\u2019ll get back once your investment matures. The latter changes depending on how the asset performs in the market.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654681951890\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Fixed income investments are low-risk and favourable for more conservative investors; however, they should expect lower returns. Meanwhile, variable income investments are for people with a higher risk appetite. Investing here may also reap higher rewards.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654521819293\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>So which type of financial instrument should you choose? The best investment tip would be to diversify your portfolio and balance your investments between low-risk and high-risk assets.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >How should you start investing in financial instruments?<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1654522138546\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-3.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"Types-of-investing-3\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-3.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-3-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-3-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654683760453\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>While a business and house can wait, you can start small with the types of investments below:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684560492\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Bank products<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654854456823\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Your money can still grow to a small degree when you put it in a savings account with a minimal annual interest rate. While you\u2019re still coming up with the funds to start investing, this can be your step one; plus, your funds will be insured by up to <a href=\"https:\/\/www.pdic.gov.ph\/public-policy\" target=\"_blank\" rel=\"noopener\">\u20b1500,000<\/a> by the Philippine Deposit Insurance Corporation (PDIC).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684551963\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Bonds<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522266735\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>With this fixed-income investment, you are investing in private companies or in the government to fund their projects. After your investment matures, you get your money back with interest. You can also sell your bonds at a profit before it matures.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522282662\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>When you invest in bonds, you can choose from three kinds:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522300873\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><strong>Corporate bonds \u2013<\/strong> Corporations use these to fund their expansion and development.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522312973\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><strong>Municipal bonds \u2013<\/strong> The government borrows money from your funds so they can work on public projects, like building schools, roads, hospitals, and new commuter routes.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522343143\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><strong>Treasury bonds \u2013<\/strong> For the extremely cautious, you can start by investing in <a href=\"https:\/\/www.bpi.com.ph\/retail-treasury-bonds-27\" target=\"_blank\" rel=\"noopener\">T-bonds<\/a>, another government bond that yields low returns but is risk-free<em>.<\/em><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684609243\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Stocks<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1656082196753\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-9.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"Types-of-investing-9\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-9.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-9-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-9-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522384444\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>With stocks, you can buy shares or partial ownership in a company. This means you earn when the company earns, and your profits come in the form of <a href=\"https:\/\/www.nerdwallet.com\/article\/investing\/what-are-dividends\" target=\"_blank\" rel=\"noopener\">dividends<\/a><em>. <\/em><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522399637\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>However, stocks have a bigger risk compared to bonds, because there\u2019s still a chance the company you invest in could close. The local economy and politics surrounding the company could also pull its stock value down.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522505494\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>To invest strategically, work with a stockbroker accredited by the <a href=\"https:\/\/www.pse.com.ph\/directory\/\" target=\"_blank\" rel=\"noopener\">Philippine Stock Exchange<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684537659\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Mutual Funds<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654854708293\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>With a mutual fund, you pool your money with other investors and a fund manager assigns your money to stocks, bonds, and other financial instruments. With this arrangement, you earn by:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522933741\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Getting stock dividends<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522949957\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Profiting from bond interest<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522976981\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Increasing the funds&#8217; value and selling your share at a profit<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654522992420\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Before you start investing in a mutual fund, you\u2019ll need to remember that this investment charges:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523009544\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>An annual fee<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523019911\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>A fund manager service fee<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684041413\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li>Money Market Funds<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523053733\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Unlike a savings account that lets you withdraw money when you need it, money market funds require you to lock in a certain amount for a specific time (at least three months to a year. When that holding time ends, you get your money back with interest.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523066734\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>If you\u2019re worried about not being able to access your savings, you can still issue checks from a money market fund; however, this brings down the investment\u2019s value.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684418866\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Index funds<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1656082581381\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-10.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"Types-of-investing-10\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-10.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-10-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-10-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523118692\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>You can put some money in the <a href=\"https:\/\/www.bloomberg.com\/quote\/PCOMP:IND\" target=\"_blank\" rel=\"noopener\">Philippine Stock Exchange Index<\/a> (PSEi) then earn dividends or interest. According to <a href=\"https:\/\/www.securitybank.com\/blog\/types-of-long-term-investments-and-how-they-work\/\" target=\"_blank\" rel=\"noopener\">Security Bank<\/a>, \u201cWhat happens here is that the PSEi Index Fund will aim to mirror the performance of the PSEi index by holding stock of the companies listed within that index.\u201d<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523138501\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>When the index value rises, so does the fund value. Then you can profit by selling your share in the fund. You also won\u2019t need to pay a fund manager, so that cuts down on your expenses.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654854928029\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Another type of index fund is the <a href=\"https:\/\/www.investopedia.com\/terms\/e\/etf.asp#:~:text=An%20exchange%2Dtraded%20fund%20(ETF)%20is%20a%20type%20of,that%20a%20regular%20stock%20can.\" target=\"_blank\" rel=\"noopener\">Exchange-Traded Fund (ETF)<\/a>. Unlike mutual and index funds, which are sold at fixed prices at the end of the trading day, ETFs are bought and sold at varying prices throughout the workday.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684409820\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Options<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654855364591\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><a href=\"https:\/\/www.britannica.com\/topic\/stock-option\" target=\"_blank\" rel=\"noopener\">Options<\/a> are an agreement that lets you buy or sell stocks at a fixed price for a certain amount of time, regardless of what\u2019s currently happening in the market. So, if stocks are more expensive, you will have the option to buy stocks at a lower value, based on that said agreement.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523216881\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>There are two types of options you can buy:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523241025\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><strong>Put \u2013<\/strong> A bet that the stock will fall, meaning you can sell your stock at the fixed price<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523261786\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><strong>Call \u2013<\/strong> A bet that the stock will rise, meaning can buy more stocks at the fixed price<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523286244\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Working with options could get confusing, so ask around and consult with a financial adviser before you go all in.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654684397799\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Insurance<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523310219\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>The most popular type of insurance is the variable universal life insurance plan or VUL. This type of plan ensures that you are covered in case anything bad happens to you; while at the same time, it also invests your money into stocks, bonds, ETFs, or other kinds of investments.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h3 style=\"font-size: 24px;text-align: left\" class=\"vc_custom_heading\" >Investing money in the Philippines<\/h3>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left  vc_custom_1654523569654\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"600\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-4.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Philippines Flag\" title=\"Types-of-investing-4\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-4.jpg 1000w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-4-300x180.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/06\/Types-of-investing-4-768x461.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654683596460\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Whichever types of investments you choose, keep your funds safe by using a highly secure money transfer platform like Kabayan Remit.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654682455324\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Kabayan Remit has the same physical security and encryption you see in banks and we are also <a href=\"https:\/\/kabayanremit.com\/help-center\/kabayan-remit-security\/\">government-approved<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523712811\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>To learn more about Kabayan Remit and our services, click <a href=\"https:\/\/kabayanremit.com\/\">here<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1654523690114\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>So, when you send funds to pay for your investments and insurance plans in the Philippines, you can rest easy knowing that you\u2019re working with a brand that looks out for you.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Once you\u2019ve saved up enough money for emergencies as well as your daily needs and wants, you should consider growing your wealth by investing your extra money. Doing this can help you achieve your long-term goals and prepare you for the life of your dreams. How? Well, savings alone won\u2019t be enough after inflation, and what you can afford today may be more expensive in the future. Thus, putting some of your savings into investments could add to what you already have, leaving you with some extra cushioning for retirement.<\/p>\n","protected":false},"author":5,"featured_media":2367,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[87],"class_list":["post-2309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-types-of-investments"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Different types of investments - A guide for OFW&#039;s | Kabayan Remit<\/title>\n<meta name=\"description\" content=\"As an OFW, you should consider investing your extra money. 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