5 Beginner-friendly Investments to Kickstart Your Financial Journey

💰Digital banks provide accessible and user-friendly banking services without physical branches. They offer higher interest rates and better features compared to traditional banks, making them a great starting point for beginners.

🏦Pag-IBIG MP2 is a voluntary savings program that offers higher dividends and a government-backed security. It allows for flexible contributions and serves as a medium-term investment option.

📈Managed funds, such as mutual funds and ETFs, provide instant diversification and professional management. They offer growth potential and market participation, making them suitable for beginners looking for long-term investments.

📊Stocks offer ownership in companies and the potential for capital gains and dividends. Despite the challenges, learning about stocks helps beginners understand various investment types and gain exposure to financial markets.

🌐ETFs are investment funds traded on stock exchanges that provide instant diversification and low-cost investment options. They passively track specific indexes and offer easy accessibility for beginners.

What should I consider before investing?

—Before investing, conduct thorough research on each investment option, understand the risks and potential returns, diversify your investments, and assess your risk tolerance and time horizon.

Which investment is best for short-term goals?

—For short-term goals, consider investments with low volatility and liquidity, such as digital banks and money market funds.

What is the difference between mutual funds and ETFs?

—Mutual funds are actively managed by professionals, while ETFs typically track specific indexes and are traded on stock exchanges. Mutual funds often have higher fees, while ETFs offer lower costs and easy accessibility.

Why should I invest in stocks despite the challenges?

—Investing in stocks helps beginners understand various investment types, gain exposure to financial markets, and offers potential growth and market participation.

How can I start investing in the Philippine Stock Market?

—You can start investing in the Philippine Stock Market through platforms like G Stocks PH, which allows you to trade stocks directly from your GCash app. Research and choose blue-chip stocks or consider investing in ETFs that track market indexes.

00:00In this video, Charman introduces five beginner-friendly investments that are worth checking out if you're new to investing.

02:22The first investment is digital banks, which provide accessible and user-friendly banking services without physical branches. They offer higher interest rates, better features, and lower fees than traditional banks.

03:59The second investment is Pag-IBIG MP2, a voluntary savings program that offers higher dividends and a government-backed security. It provides flexibility in contributions and serves as a medium-term investment option.

05:56The third investment is managed funds, such as mutual funds and ETFs. These funds offer instant diversification, professional management, growth potential, and market participation.

06:36The fourth investment is stocks, which offer ownership in companies and the potential for capital gains and dividends. Investing in stocks helps beginners understand various investment types and gain exposure to financial markets.

09:17The fifth and final investment is ETFs, which provide instant diversification, low costs, and easy accessibility. ETFs track specific indexes and can be traded like individual stocks.