maddalozzo investments in the philippines

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Maddalozzo investments in the philippines bluecrest investment management

Maddalozzo investments in the philippines

There are several kinds of investments that require quite a low minimum investment rate which you can easily avail of. Here are the common investments that you can make on a budget. Buy Term and Invest the Difference is essentially an investment strategy that involves buying term life insurance and investing the difference in other investment vehicles, hence the name. This philosophy gives you the opportunity to spread out your investments elsewhere.

In order to understand how BTID works, here are some things you need to understand about life insurance. There are two main types, namely term life insurance , and whole life insurance. Whole or permanent insurance is much more costly because of the additional advantages it maintains over term investments. These plans usually last up to when you are 88 to years old. However, this is what makes them relatively more expensive than term life insurance, usually five to ten times the cost.

This is because it covers the death of only one beneficiary within a span of 5, 10, 20, or 30 years. The perks? Besides being insured for worst-case scenarios in that period of time, you are in total control of your investment plan. So you could potentially make a lot more investing in other vehicles rather than centralizing your budget in a whole life insurance plan. It is the DIY nature of this strategy that makes this practice a wise and better decision if you want to have more control over how much you make in investments.

Plus, investment returns are much higher when you invest in term insurance. As mentioned above, everything is taken care of when you purchase this plan. With most VUL plans to guarantee a 7. The biggest advantage of this strategy is its convenience.

ETF or Exchange-Traded Fund is an open-ended investment fund that holds assets like stocks, bonds, commodities, and many others. They hold similar characteristics to mutual funds. The difference is that ETFs are traded within the day rather than being purchased with the end-of-day value.

This ultimately combines the ability to diversify that mutual bonds possess with the flexibility of the stock market. Unlike some mutual funds, ETFs are always transparent, giving daily updates. The First Metro Philippine Equity is the place to go to start this investment fund in the Philippines. With an idea of what bonds are from the information given earlier in this article, here is a proper introduction to how it works in the Philippines.

There are two types of bonds you can invest in the Philippines, namely corporate bonds and government bonds. Likewise with government bonds. There is no guarantee of which of the two are better to go for since they differ in risk profile as well. Corporate bonds often have higher yields, but this is because of the higher risks it carries most of the time. Most banks can help you get started with investing in corporate bonds.

Several banks also carry Government bonds that you can ask about. The information on how to get started is public knowledge and will most likely be posted on their website. You can contact them online to get a better perspective of how it works.

With it constantly changing, you need to be updated at all times. Popular corporations like Jollibee, San Miguel Corporation, and Aboitiz Power Corp are just some of the industries that rely on stockholders. You should also consider the price and risk factors going in. The perfect opportunity in stocks is when you buy stocks for a low price and are able to sell for a much higher cost.

On average, you can expect about Mutual funds dip into a little bit of everything. A mutual fund company basically collects funds from different investors and distributes them to stocks, bonds, money market instruments, and more.

These are the four types of mutual funds that you can find in the Philippines:. These funds have the highest risk involved with the goal of a long term capital growth inset. They do, however, get the biggest returns usually within five years or more. These are short-term funds for investments like corporate bonds and time deposits, usually with an investment timeframe of a year or less.

This is your safest bet, though it generates the least amount of income compared to other MFs. With a higher risk than bond funds, balanced funds invest in a mix of stocks, bonds, and money market instruments for moderate risk. MFs are professionally managed by companies that pool funds to spread out to different investment vehicles. Be wary of mutual fund company scams that can be found online.

They are all required to follow the Investment Company Act Republic Act , which makes this investment relatively less risky because of being constantly monitored by the government. You can expect 2 to 5 percent on average returns in this investment. The Foreign Exchange Market is a global decentralized marketplace for exchanging national currencies against one another.

Because of its international reach of commerce, trade, and finance, this has become the largest and most liquid asset markets. Taking a chance on forex trading can be rewarding but requires a lot of practice to get the hang of it. You will need an experienced broker that can do the analysis you require. Plus, you will need to construct a solid strategy to apply to get the hang of it. Remember that buying and selling is a tricky thing, so you need to have good judgment of your entry and exit time.

With possible average returns of 1 percent straight up to 10 percent monthly, the reward that comes with well and carefully managed forex trading is quite high. It is a must that you save up for your retirement as soon as you start working. The US has tax retirement plans such as ks and IRAs to help them invest for retirement much easier.

Plus, it helps them better grow their interests compared to banks and comes with some tax advantages. Find these investment plans interesting and wish you could give them a try? Well, you most certainly can because the Philippines has its own version of the ks and IRAs. This plan lets you invest once a year until you are 55 years old with an average return of 5 to 15 percent yearly. The main perk of this plan is the tax benefits that come along with it. Income earned from PERA is not taxed. Small businesses have become a popular vehicle for investment for people with full-time jobs that want something on the sideline.

Going into a small scale business may not require as much starting capital compared to the capital needed for a full-time growing business, but it will need some time and effort put into it as well. Several popular small businesses resell items that they buy in bulk for the wholesale price and sell them for retail. Others create products that people would buy such as food or souvenir crafts. This investment can eventually turn into something more if you want to grow it. By selling online or being recommended by customers to the people they know, it is possible for this investment into a much bigger venture.

Not only will it secure you financially for the future, but it may also turn your future around completely. Cryptocurrency investment in the Philippines has been increasingly piquing the interests of Filipinos everywhere since everything is shifting towards the digital. But because it is internet-based, it is understandable how people can be quite apprehensive about it because of the mistrust shrouding the online world.

Here are some general notes to keep in mind about cryptocurrency:. This is the most popular form of cryptocurrency in the Philippines that investors seem to flock to. It is, after all, the very first established cryptocurrency. To invest in Bitcoin is similar to other investment vehicles. First, you let out cash via digital wallets that hold BTC, which most virtual exchanges do. Then you check websites the Coin Market Cap website to check out current prices.

You can either transfer your Bitcoins to exchanges, buy from sellers, or transfer your BTC from your digital wallet to exchanges. As of the moment of this writing, 1 BTC is more than Php , and may have either increased or decreased since. The average return in this investment is high, but so is the risk that comes along with it. It has cheaper transfer fees, faster transfer times, and can handle more transactions per second compared to Bitcoin.

Be wary before investing in this cryptocurrency. Litecoin or LTC is a peer-to-peer cryptocurrency that is also a software based on an open-source cryptographic tool. Such as the previous currencies, LTC is also decentralized and is slightly identical to Bitcoin. The difference of Litecoin from Bitcoin is that it processes a block within 2.

It also uses scrypt algorithm, which makes it more difficult to create and more expensive to use than Bitcoin. This cryptocurrency is slowly gaining popularity in the Philippines and other countries around the world as an alternative to bitcoin. Ethereum or ETH is an open-source blockchain that features many of the same characteristics as bitcoin.

It is also decentralized and can be used to make payments, as collateral, or as a store of value. But unlike other cryptocurrencies, Ethereum features a scripting functionality. It is programmable, meaning developers can build new kinds of applications.

Almost all cryptocurrency exchanges in the Philippines trade Ethereum, with 1 ETH being more or less Php 6, as of the moment. There are certain investments that you can make without you having to stress about it on a regular basis. With a bit of an entrepreneurial drive and excellent judgment, you can have a. Here are the different types of vehicles that allow you to simply let out your investment funds and have everything else taken care of.

The internet has given many more opportunities for anyone to grow a fortune. One way is investing through websites, which have become avenues for online advertising and the like. Instead of creating a website from scratch, find an already created website to invest and revamp, much like a relaunching. There are several websites for auction online that you can buy through sites like Flippa.

And because the sites also offer support, you have to invest only about hours a week of your time. Before jump starting an investment in the online world, there are a few considerations that you have to make in order to gain profit from it. Here are a few tips before getting into website investment:. You need to be familiar with how e-commerce works as well as how to operate a website. Even with assistance, you would still need some knowledge on how to run websites like the platforms it uses e.

And as for the e-commerce side of things, know the products or services it tends to, the target market that it caters to, and what further business plans can push it to grow. Sellers have to post the reason why they are selling their sites.

You would need to have a good business judgment to know if these sites are worth the investment. It may promise that it earns a certain amount of revenue, but you need to be able to verify that yourself. The concept of it is nothing new, with it being similar or the same as utang or loaning. But instead of taking to the streets, there are many online platforms where you can be an investor in this type of vehicle. Because there is no actual centralized platform calling the shots, the interest rate can be much more flexible depending on the two parties.

That said, this type of investment can be quite risky since you would be loaning to people who are essentially strangers to you. The perk of this is that you can start investing at a low rate of about Php 1, But you still have to pick your investment wisely. There are many brilliant business ventures that have the potential to become something greater in the years to come. If you think that you have the right judgment to spot them out, then you have the makings of a venture capitalist.

Great and successful companies such as Uber, WhatsApp, and even Google started out with funding from venture capitalists. So if you bet on the right people, you may receive something much greater in return. But in order to get into investing as a venture capitalist, you will most likely start out as an angel investor. The difference between being an angel investor and a venture capitalist is where the money comes from.

Angel investors are often those who have money to spare and are willing to support a business venture for a returned interest. The advantage that investors get from providing capital for these startups is the high-interest rate that they receive if the business succeeds and flourishes.

The real estate industry has been steadily growing so far in the Philippines and looks promising moving forward in the year and beyond. To start investing in the real estate market, consider the options that are available with the budget that you have on hand. You can buy land and lease it, purchase a residential area and rent it out, or revamp cheap foreclosed property and sell it at a high price.

Ventures such as condotel investing have been gaining popularity because of its stress-free guarantee. Essentially how it works is that you purchase a condo unit and rent it out either long term or short term like a hotel. Realty companies take care of finding tenants, providing the services, and managing the properties while you reap all the benefits.

Not all investments in the Philippines receive financial gain in return. As an investor, your main goal is to prepare yourself for the future, so anything that can help that cause is an investment in itself. Make this the year of growth not only financially, but holistically in every possible direction.

There is always room for you to improve yourself. Whether you want to pursue a new useful skill or continue studying to fully equip yourself for your career moving forward, investing in these will benefit you in the long run. If you are not willing to spend for it, however, there is always the option to learn on your own. The internet has made it possible for people to self-educate themselves to a certain degree. However, if you need the credentials that come along with learning these new things, then you can look for scholarships online or find online courses for your utmost convenience.

This investment goes beyond health and life insurance. Eating healthier and incorporating some simple exercise routines may cost you more time and money, but take note that living a healthier lifestyle now will save you some trouble in the future, both physically and financially. Mental health is equally as important to maintain and invest in. Allow yourself to spend your money on occasional trips or vacations if it means that it will give your mind some rest and improve your overall wellbeing.

Aside from a college fund set aside for the future, kids also need knowledge and skill enhancement to prepare them for the future or ignite a sense of passion in their life. Enrolling your children in extracurricular activities or supporting them in contests also counts as a long-term investment. Yes, this may dip into your funds. You may have to pay for classes, equipment, and the like. And there is no guarantee that your investment will be utilized in their future e.

Your children could learn values such as teamwork, discipline, and perseverance from these experiences, which are gains that can benefit them in their path towards their own success. Having a hard time picking which one to invest in? The best way to succeed in making investments is by diversifying and investing in multiple vehicles instead of concentrating on one.

Personal Equity and Retirement Account PERA is a personal and voluntary savings account available to the investing public who are at least 18 years old and have a tax identification number. It is established by the Republic Act No. When you open an account, you are then able to invest in many different investments such as UITF, mutual fund, stocks of publicly-listed companies, exchange-traded funds ETF , annuity plans, government securities, etc. The returns would depend on the kind of investment that you choose.

If you choose mutual fund or UITF, then you may need to either save at least P6, for the next 10 years to earn your first million. Or you can also read this article about PERA earnings. The Pag-ibig MP2 Modified Pag-ibig II is a government-guaranteed voluntary savings program that allows you to save and earn tax-free dividends.

It is very easy to open a Pag-ibig MP2 account. Just go to a Pag-ibig branch near you. You can start as low as P per month. However, it has a lock-in period of five years. According to Pag-ibig , the average dividend from to was 6. Earning your first million through the MP2 program may require you to save at least P5, Its offers tax-free earnings, and all contributions are sovereign-guaranteed.

Employees, self-employed, voluntary members, and overseas Filipino workers can enroll and start contributing to the program. Your contribution is divided into three components: retirement, medical, and general purpose. Bearing that in mind, you need to contribute at least P7, The SSS Flexi Fund is open to all overseas Filipino workers as a way to encourage them to increase their savings for retirement.

Any Filipinos who have employment abroad can register at any local or international SSS branches. Once enrolled, they can pay any amount in more than their required contribution. Any excess will be credited to the Flexi-fund automatically. This source says that the annual yield for SSS Flexi-fund is 5.

Using this as our rate of return, then you must save at least P6, An exchange-traded fund ETF is almost the same as a mutual fund. At this rate, you would need to invest P6, Index funds are not for the faint of heart. They are invested in the top 30 companies in the Philippines , which are collectively called blue chip stocks or Philippine Stock Exchange index PSEi or simply called equities stock index.

As you can see, there are periods of volatility going up and then dipping down , and the general trend is upward. So how do you invest in index funds? LTNCD is offered to the public when banks need to raise capital that would be used to fund expansion or to increase their lending ability to their borrowers.

Check this news report from Inquirer. You can do this by acquiring the retail treasury bonds or RTB. These are government debts that are offered to the public by the Bureau of the Treasury. You may buy them through banks authorized to sell them or online directly through the Treasury. For instructions on how to acquire them, check this link.

Investing in bonds on the other hand have longer term, and you earn by the periodic interest that the government gives you. For instance, this RTB no. Its coupon rate or interest is 4. Since the interest is known as well the number of years, we can actually check just how much you may possibly gain. Assuming that you invested P,, this is how earnings are going to look like.

That is, your money grew by You can also invest in bond funds or go through brokers so you can get access to the secondary money market. Corporate bonds are debt instruments that private companies issue in order to raise capital. Just like the government bonds, they are interest-bearing and pay fixed income until the debts are settled when they mature.

You get periodic interest, usually quarterly every three months , until the bonds are paid back in full when the term ends. Terms usually lasts about 5 years or longer. Corporate bonds give you priority on company assets should the business be liquidated. There are ways to acquire them. Outside of the offer period, you may purchase them through the secondary market or by buying up bond funds.

You earn by the difference called spread or yield between the price of the bill and its face amount. Just like other government securities, you may be able to buy the treasury bills through brokers generally in the money market.

You can also invest in preferred shares. Preferred shares or preferred stocks are issued by Philippine corporations as one of the ways to raise capital for their business. Dividends are the portion of the profit of companies that they decide to give away to investor. Another key difference is that preferred shares are not as volatile as common stocks. How do you invest? You just buy the stocks from the stock market.

If you want to see the dividend rates and other more important details, you may read the article: Is it good to invest in preferred shares? Just a couple of things to consider. They are not issued very often. Another thing is that companies usually redeem buy back these shares at a certain period in the future. Lastly, dividends might not be guaranteed, so companies may miss paying out dividends in a given year.

Lastly, the price of the stock is subject to market demand and can fluctuate. Because preferred shares are offered infrequently, another alternative is to buy company stocks from the exchange. You can choose companies that have historically given out periodic dividends to shareholders. And here is also a list of Philippine company stocks that gave highest dividends last year.

With so many choices, it might be hard for you to choose one to get started with. To help you find the qualities of the best passive income, here are some of the things you can bear in mind. Also, take note that the ones mentioned here are either government-owned companies or licensed by the Philippine government, so you know that they are trusted partners for your wealth-building strategies. How much initial capital can you invest?

This is the starting point because it is going to dictate what type of accounts you can open. The next factor is convenience. You would want to deal with institutions that you can visit any time or have online portal for quick monitoring. Check if there are other duly-licensed companies near you.

What kind of investing risks are you willing to take? You know what they say. The higher the risks, the higher the potential for returns. If you think you are not willing to experience capital loss, then go for guaranteed but modest returns from less risky SSS, Pag-ibig, and deposit passive income.

How much time and work are you willing to put in? Some would require you to track their gains or loss periodically such as in the case of exchange traded fund ETF. Others like time deposits do not really need much of your attention. Are you saving up for medium-term or long-term goals? Or do you want to have access to your money any time? The need for cash or in technical term, liquidity limits your choices. Some of these accounts would charge a fee or only give your capital back when you withdraw or close within a specified period of time.

Compare fees involved because they lessen your earning potential. Not only that, check for any tax liabilities on your income as they also can diminish your gains. In particular fees of investments funds in the Philippines are really high compared to similar products available in other countries. And this is something that the government and the financial industry have to look into if we really care about protecting the interest of the investing public.

Trust me when I say that you are your worst enemy. Self-control and money management skills are not gifts that anyone is born with, they are developed. Passive income. This is a wonderful source of information. I feel somewhat disappointed that financial literacy is not included in our schools curriculum. This could have benefit our future generations and uplift our way of living. I agree! It would be nice if everyone was taught about financial literacy at their teens or early age in School.

Filipinos got used to spending on material things and vices instead of increasing their money. Hi Gabriela, thanks for the very good question.

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Abstract: A method and system in a portable computer having a display screen for increasing portable computer compactness. Data is displayed initially within the display screen. The display screen is then partitioned into a touch-sensitive input area and a display area, wherein data input at the touch-sensitive input area may be simultaneously displayed in the display area, in response to a particular user input. A test is performed to detect if a user's hands are positioned at the touch-sensitive input area.

A touch-sensitive pad is thereafter graphically displayed at the touch-sensitive input area within the display screen, in response to detecting a user's hands positioned at the touch-sensitive area, wherein a user may enter data that may be simultaneously displayed in the display area. An additional test may then be performed to detect if the user's hands are no longer positioned at the touch-sensitive input area.

Type: Grant. Filed: May 1, Date of Patent: August 3, Assignee: International Business Machines Corporation. Inventors: John Maddalozzo, Jr. Data processor controlled display system with audio identifiers for overlapping windows in an interactive graphical user interface. Abstract: There is provided a user friendly display interface system for the interactive handling and sorting out of windows in complex window hierarchical graphical user interfaces.

The system provides for the storage of a hierarchy of windows which are displayable to overlap each other in a selected order whereby a plurality of said windows are partially visible. Apparatus is provided for displaying on a display screen a plurality of these partially overlapping windows. A different audio identifier is provided and stored for each of these windows. Further apparatus is provided for moving around and positioning a pointing device, such as a cursor on the display screen, in combination with means responsive to the pointing device for announcing the audio identifier for each window which said pointing device enters.

The pointing device may be a user controlled cursor, a stylus or even a finger in touch sensitive display systems. The audio identifier may conveniently be the name in the title bar of the window. Filed: June 3, Date of Patent: April 27, Assignee: International Business Machines Corporatiion. Method and apparatus for implementing direct link selection of cached, previously visited links in nested web pages. Abstract: A pointer is added to each web page identifier which points to the previous linking web page in the navigational path.

Another pointer maybe added to each web page identifier which points to the next linking web page in the navigational path. In other embodiments, pointers may be added which reflect browser navigational paths from web pages. The browser is thereby enabled to store and display information regarding a navigational path for accessing linking network node addresses.

Filed: May 13, Date of Patent: October 14, Updating of embedded links in World Wide Web source pages to have the new URLs of their linked target Web pages after such target Web pages have been moved. In a World Wide Web communication network with user access via a plurality of data processor controlled interactive display stations for displaying Web pages transmitted to receiving display stations from Uniform Resource Locations URLs remote from said stations, said Web pages being linkable with each other through embedded links in source Web page, a system is provided for updating said embedded links in source Web pages when the URL of a target Web page is moved.

Filed: October 7, Date of Patent: August 12, Inventors: Jack Ronald Ackermann, Jr. Data processor storage systems with dynamic resynchronization of mirrored logical data volumes subsequent to a storage system failure. Abstract: There is provided a system for dynamically resynchronizing a storage system made up of a plurality of mirrored logical volumes respectively divided into a plurality of mirrored logical data partitions in the event of a system failure.

Immediately after the correction of the problem causing the failure, meals start to resynchronize the plurality of logical volumes but without waiting for the resynchronization to be completed; means access data from a data partition in one of said logical volumes. Then there are means for determining whether the portion of the logical volume containing the accessed partition has already been resynchronized, together with means responsive to these determining means for replacing the corresponding data in the other mirrored partitions in the logical volume with the accessed data, in the event that the portion of the logical volume has not been resynchronized.

Date of Patent: October 8, Method and system for searching web browser history. Each bookmark or each web page generated for the list, when accessed, may be searched for selected keywords. A new browser is opened and the new browser, in background, accesses the Web or cache, connects when prompted, with each web page listed.

Each web page is then searched for keywords provided by a user. Web pages containing the target keywords are then displayed in a format selected by the user on the data processing system display. Filed: January 26, Date of Patent: October 1, Computer controlled user interactive display system with each of a plurality of windows having a border of a color varied to reflect a variable parameter being tracked for the window.

Abstract: There is provided a computer controlled display interface permitting simplified tracking of access time periods to secured data in a user interactive display system with a multitude of displayed windows comprising secured data. A process is provided for tracking for each of said plurality of windows a variable parameter relative to the window, in combination with a process for displaying along at least a portion of the borders of each of said windows a color varying with said variable parameter being tracked for said window.

In secured access systems, the parameter being tracked is the period of access time. Filed: September 23, Date of Patent: September 3, Automatic rotation of digit location in devices used in passwords. Abstract: A method for ensuring security of a system accessed utilizing a keypad wherein access is provided to said system via a security code entered on the keypad.

A security code is entered on the keypad utilizing a first character configuration of the keypad. Following this, the location of one or more access characters on the keypad is repositioned to present a second character configuration of the keypad. The repositioning of the character configuration is completed electronically in a generally random manner.

The change in configuration may take place immediately after each user interface, or after a predetermined number of user interfaces. Filed: December 8, Date of Patent: August 13, Resynchronization of mirrored logical data volumes subsequent to a failure in data processor storage systems with access to physical volume from multi-initiators at a plurality of nodes.

Abstract: There is provided a system for dynamically resynchronizing, in the even of a system failure, a storage system made up of a plurality of nodes, each which has mirrored logical volumes respectively divided in to a plurality of mirrored logical data partitions.

Each of these nodes has the means for accessing a common physical data volume, e. System recovery at the plurality of nodes after a failure at one of the nodes is carried out by commencing the sequential resynchronization of a logical data volume at a nonfailure node to thereby sequentially resynchronize the partitions of the physical data volume representative of the logical data volume, and indicating as resynchronized those portions of the logical data volume at the failure node represented by said resynchronized partitions of the physical data volume.

Date of Patent: June 4, Method of storing and classifying selectable web page links and sublinks thereof to a predetermined depth in response to a single user input. Abstract: An improved method for efficiently retrieving data associated with linked network locations utilizing a computer network is disclosed. First, data is retrieved from a network location which has a plurality of links to related network locations. Next, in response to a single user input, the plurality of links and their network addresses are automatically classified into a folder having common subject matter.

A user can later efficiently retrieve data associated with the classified network locations utilizing the common category of network addresses. Filed: June 30, Date of Patent: December 25, Method for extracting hyperlinks from a display document and automatically retrieving and displaying multiple subordinate documents of the display document.

Abstract: An improved method for viewing a plurality of network locations in response to a single user input utilizing a computer network. A plurality of network locations are assigned to a predetermined group selectable from a single graphic user interface button.

In response to a single user input, data is retrieved which is associated with the predetermined group of network locations. They also own multiple subsidiaries that include Vista Residences, Communities Philippines, Crown Asia, and a few more. Vista Land is one of the fastest growing developers in the Philippines. In , they announced to launch 30 new projects.

Some of these are:. Robinsons Land Corporation was founded in and is one of the biggest developers in the Philippines, in terms of annual revenue. Robinsons Land develops shopping malls, hotels, office buildings, resorts, condominiums, and townships. They also ranked fifth among the best condominium developers. The company is currently working on multiple projects, including one in China.

Most of their upcoming projects are malls, office buildings, or hotels, like Go Hotel in Iligan. You can find condominiums, townships, office buildings, resorts, and other commercial and leisure properties. Shang Properties, Inc. They mostly developed hotels and resorts in the past, but nowadays you can also find condos and townships.

Century Properties was founded in and a major player, with its headquarter located in Manila. Anchor Land holdings is one of the fastest growing real estate developers in the Philippines and was listed on the stock exchange in They primarily focus on building sophisticated and luxury condominiums. Cathay Land was founded in and is currently one of the fastest-growing real estate developers in the Philippines.

Cebu Landmasters started in and headquartered in Cebu. The company has won plenty of awards in the past years. For example, it won the following awards during the PropertyGuru Philippines Property Awards in Empire East used to operate under Megaworld, but was incorporated as a separate unit in The company mainly focuses on construction of condominiums within Metro Manila, but also build single-detached homes and house-and-lot packages in upcoming suburban areas.

I hope you found this article helpful and interesting. I also recommend you to read my separate guide that explains how to buy property in the Philippines as a foreigner. He is currently a freelance consultant supporting Asiaimportal HK Limited with content creation and research. I know, private developers often have a profit seeking objective. Government financing and donations can help to pay for these kind of projects..

Property types Ayala Land is involved in landbank management, build and manage shopping centers, hotels, and resorts. Property types DMCI is mostly known for building affordable condominiums in Metro Manila, but also builds residential complexes, hotels, resorts, shopping centers, casinos, hospitals, highways, and more. Apolinario, Makati, Metro Manila, Philippines. SM Prime Holdings, Inc. Property types SM Prime Holdings builds everything from hotels, resorts, shopping malls, housing and condominium projects, offices, convention centers and more.

Megaworld Corporation With its headquarter located in Taguig City, Megaworld Corporation is one of the biggest developers in terms of annual revenues. Property types You can find both housing projects, condominiums and many commercial buildings , mostly for offices. Megaworld was also ranked third in the list of best condominium developers by ZipMatch. Gil Puyat Ave. Property types Filinvest Land develops all types of properties including residential, leisure, offices, other commercial buildings, and townscapes.

Robinsons Land Corporation Robinsons Land Corporation was founded in and is one of the biggest developers in the Philippines, in terms of annual revenue. Property types Robinsons Land develops shopping malls, hotels, office buildings, resorts, condominiums, and townships.

Federal Land, Inc. Federal land, Inc. Property types You can find condominiums, townships, office buildings, resorts, and other commercial and leisure properties. Property types They mostly developed hotels and resorts in the past, but nowadays you can also find condos and townships. Century Properties Group Inc. Century Properties was founded in and a major player, with its headquarter located in Manila Property types Century Properties are mostly known for building mid-rise and high-rise condos.

Gil Puyat corner Makati Ave. Anchor Land Holdings Inc. Property types As mentioned, the company primarily builds modern luxury condominiums. Cathay Land, Inc. Cebu Landmasters Cebu Landmasters started in and headquartered in Cebu.

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Stocks and Bonds. Bank Products. Commodity Futures. Security Futures. Investment Funds. Real Estate. Life investments. Mutual Funds. Small Business. Cryptocurrency Investment. Bitcoin Cash. Passive-Income Investments. E-commerce Websites. P2P Lending. Venture Capital and Angel Investing. Knowledge and Skill Investments.

Health Investments. Family Investments. With all the heavy jargon and numbers involved in every financial discussion, you are definitely not the only one getting confused. Investing may seem tricky, but it becomes much easier to understand once you get the hang of it. A good way to start understanding how to invest and where to get started is to get an overview of the concept.

Here are the answers to the top 3 most common questions asked to give you an idea into the world of investment in the Philippines. Investing is not a new practice. In fact, the concept of investment can be dated back to the 16th century in ancient civilizations and has since evolved in this modern era. The basic idea of investing is giving a portion of what you have to an institution and getting it back with interest after some time. Investments like insurance get medical and security coverages in return.

So essentially, any form of transaction that involves you giving something valuable to gain something of greater value in time can count as an investment. Remember that investment not only takes money. It takes time as well. Delaying your plans to invest is precious time going down the drain. It still takes some research and planning to fully commit to investments of your choice. However, keep in mind that there is simply no such thing as the right moment to start.

From the stock market to the real estate industry, the Philippines offers quite a selection of investments to start with. Several industries provide different offers and perks which you can weigh out yourself. Here is a quick rundown of the general types of investments in the Philippines that attract several investors:. Because they are so closely associated with one another, people assume that they go hand-in-hand or are the same thing.

Stocks are units of ownership in a corporation. The higher the amount you invest, the more power you have over it. A bond is a debt security. Basically, if you were to buy a bond, you would be called a creditor. When corporations, agencies, organizations, and even the government needs funding, they turn to bonds. There are two general classifications of bonds: by maturity and by the issuer. Maturity-based bonds are classified according to how long it will mature.

Issuer-based bonds are classified by who issues the bonds. There are four types:. These are the most common type of investments there is. You basically deposit a sum of money and it will be held securely and limits withdrawal. The three main areas that it covers are food, energy, and metal. How it works is that investors can buy these commodities at a lower price on a certain date and sell them at a higher price in the market when they go up.

A security future is also an agreement designed to buy or sell, except instead of commodities it would be on shares of stocks. This is the capital sourced from different investors. Mutual funds count as a type of investment fund. There are several possible ventures in real estate investment in the Philippines. These options include leasing land, condotel investing , renting property, land partnership , and many more.

There are investments that ensure a much more comfortable life for you and your loved ones. These are the common investments that most people already have the funds for. Insurance is a definite investment that everyone has to acquire. This investment comes in handy when emergencies come around. And when people want to live the rest of their life comfortably when they eventually stop working, then they would have to invest in a Retirement Fund at a young working age. Here are a few tips and insights:.

Assess your capabilities to keep up an investment before signing any contract. But if generating income is not a big problem, then you would need to run a trial before risking it all. Test it out by going with lower investment vehicles and slowly build up as you go along. That way, you would leave yourself some room to grow.

Allocate an emergency fund for just-in-case moments. With as little as Php to Php 5,, you can already start investing for your future. The actual initial investment starting amount of your investment and minimum additional placement will ultimately depend on where you choose to invest and what their requirements are.

While you may not get instant gratification when you start investing now, the difference that time makes can help you in the future. Short term investments are usually sold after three years or less. Examples that fall under this category are stocks, mutual funds, and a few bonds and bond mutual funds. Meanwhile, long term investments can last for up to a year period. These also include stocks alongside ETFs, real estate, and retirement funds.

The advantage of keeping your investments for the long ride is that you would probably get much more profit the longer that you keep it up. But it ultimately all boils down to the goals that you have in mind. While it is alright to have short term investments, make sure that you have some money left to put into some long term investments as well.

Considering everything that you would need in order to start your investment plan, take a look at the possible investment vehicles in the Philippines that you can pursue this Because the process involves letting out money, a common misconception is that you need to have a lot of it stored away before starting. But contrary to popular belief, anyone can actually start investing in the Philippines even with a small amount. There are several kinds of investments that require quite a low minimum investment rate which you can easily avail of.

Here are the common investments that you can make on a budget. Buy Term and Invest the Difference is essentially an investment strategy that involves buying term life insurance and investing the difference in other investment vehicles, hence the name. This philosophy gives you the opportunity to spread out your investments elsewhere. In order to understand how BTID works, here are some things you need to understand about life insurance. There are two main types, namely term life insurance , and whole life insurance.

Whole or permanent insurance is much more costly because of the additional advantages it maintains over term investments. These plans usually last up to when you are 88 to years old. However, this is what makes them relatively more expensive than term life insurance, usually five to ten times the cost.

This is because it covers the death of only one beneficiary within a span of 5, 10, 20, or 30 years. The perks? Besides being insured for worst-case scenarios in that period of time, you are in total control of your investment plan.

So you could potentially make a lot more investing in other vehicles rather than centralizing your budget in a whole life insurance plan. It is the DIY nature of this strategy that makes this practice a wise and better decision if you want to have more control over how much you make in investments. Plus, investment returns are much higher when you invest in term insurance.

As mentioned above, everything is taken care of when you purchase this plan. With most VUL plans to guarantee a 7. The biggest advantage of this strategy is its convenience. ETF or Exchange-Traded Fund is an open-ended investment fund that holds assets like stocks, bonds, commodities, and many others.

They hold similar characteristics to mutual funds. The difference is that ETFs are traded within the day rather than being purchased with the end-of-day value. This ultimately combines the ability to diversify that mutual bonds possess with the flexibility of the stock market.

Unlike some mutual funds, ETFs are always transparent, giving daily updates. The First Metro Philippine Equity is the place to go to start this investment fund in the Philippines. With an idea of what bonds are from the information given earlier in this article, here is a proper introduction to how it works in the Philippines. There are two types of bonds you can invest in the Philippines, namely corporate bonds and government bonds. Likewise with government bonds. There is no guarantee of which of the two are better to go for since they differ in risk profile as well.

Corporate bonds often have higher yields, but this is because of the higher risks it carries most of the time. Most banks can help you get started with investing in corporate bonds. Several banks also carry Government bonds that you can ask about.

The information on how to get started is public knowledge and will most likely be posted on their website. You can contact them online to get a better perspective of how it works. With it constantly changing, you need to be updated at all times. Popular corporations like Jollibee, San Miguel Corporation, and Aboitiz Power Corp are just some of the industries that rely on stockholders. You should also consider the price and risk factors going in.

The perfect opportunity in stocks is when you buy stocks for a low price and are able to sell for a much higher cost. On average, you can expect about Mutual funds dip into a little bit of everything. A mutual fund company basically collects funds from different investors and distributes them to stocks, bonds, money market instruments, and more. These are the four types of mutual funds that you can find in the Philippines:.

These funds have the highest risk involved with the goal of a long term capital growth inset. They do, however, get the biggest returns usually within five years or more. These are short-term funds for investments like corporate bonds and time deposits, usually with an investment timeframe of a year or less.

This is your safest bet, though it generates the least amount of income compared to other MFs. With a higher risk than bond funds, balanced funds invest in a mix of stocks, bonds, and money market instruments for moderate risk. MFs are professionally managed by companies that pool funds to spread out to different investment vehicles.

Be wary of mutual fund company scams that can be found online. They are all required to follow the Investment Company Act Republic Act , which makes this investment relatively less risky because of being constantly monitored by the government. You can expect 2 to 5 percent on average returns in this investment. The Foreign Exchange Market is a global decentralized marketplace for exchanging national currencies against one another. Because of its international reach of commerce, trade, and finance, this has become the largest and most liquid asset markets.

Taking a chance on forex trading can be rewarding but requires a lot of practice to get the hang of it. You will need an experienced broker that can do the analysis you require. Plus, you will need to construct a solid strategy to apply to get the hang of it. Remember that buying and selling is a tricky thing, so you need to have good judgment of your entry and exit time.

With possible average returns of 1 percent straight up to 10 percent monthly, the reward that comes with well and carefully managed forex trading is quite high. It is a must that you save up for your retirement as soon as you start working. The US has tax retirement plans such as ks and IRAs to help them invest for retirement much easier.

Plus, it helps them better grow their interests compared to banks and comes with some tax advantages. Find these investment plans interesting and wish you could give them a try? Well, you most certainly can because the Philippines has its own version of the ks and IRAs.

This plan lets you invest once a year until you are 55 years old with an average return of 5 to 15 percent yearly. The main perk of this plan is the tax benefits that come along with it. Income earned from PERA is not taxed. Small businesses have become a popular vehicle for investment for people with full-time jobs that want something on the sideline.

Going into a small scale business may not require as much starting capital compared to the capital needed for a full-time growing business, but it will need some time and effort put into it as well. Several popular small businesses resell items that they buy in bulk for the wholesale price and sell them for retail.

Others create products that people would buy such as food or souvenir crafts. This investment can eventually turn into something more if you want to grow it. By selling online or being recommended by customers to the people they know, it is possible for this investment into a much bigger venture.

Not only will it secure you financially for the future, but it may also turn your future around completely. Cryptocurrency investment in the Philippines has been increasingly piquing the interests of Filipinos everywhere since everything is shifting towards the digital.

By saving at least P6, Personal Equity and Retirement Account PERA is a personal and voluntary savings account available to the investing public who are at least 18 years old and have a tax identification number. It is established by the Republic Act No. When you open an account, you are then able to invest in many different investments such as UITF, mutual fund, stocks of publicly-listed companies, exchange-traded funds ETF , annuity plans, government securities, etc.

The returns would depend on the kind of investment that you choose. If you choose mutual fund or UITF, then you may need to either save at least P6, for the next 10 years to earn your first million. Or you can also read this article about PERA earnings. The Pag-ibig MP2 Modified Pag-ibig II is a government-guaranteed voluntary savings program that allows you to save and earn tax-free dividends.

It is very easy to open a Pag-ibig MP2 account. Just go to a Pag-ibig branch near you. You can start as low as P per month. However, it has a lock-in period of five years. According to Pag-ibig , the average dividend from to was 6. Earning your first million through the MP2 program may require you to save at least P5, Its offers tax-free earnings, and all contributions are sovereign-guaranteed.

Employees, self-employed, voluntary members, and overseas Filipino workers can enroll and start contributing to the program. Your contribution is divided into three components: retirement, medical, and general purpose. Bearing that in mind, you need to contribute at least P7, The SSS Flexi Fund is open to all overseas Filipino workers as a way to encourage them to increase their savings for retirement. Any Filipinos who have employment abroad can register at any local or international SSS branches.

Once enrolled, they can pay any amount in more than their required contribution. Any excess will be credited to the Flexi-fund automatically. This source says that the annual yield for SSS Flexi-fund is 5. Using this as our rate of return, then you must save at least P6, An exchange-traded fund ETF is almost the same as a mutual fund. At this rate, you would need to invest P6, Index funds are not for the faint of heart.

They are invested in the top 30 companies in the Philippines , which are collectively called blue chip stocks or Philippine Stock Exchange index PSEi or simply called equities stock index. As you can see, there are periods of volatility going up and then dipping down , and the general trend is upward. So how do you invest in index funds?

LTNCD is offered to the public when banks need to raise capital that would be used to fund expansion or to increase their lending ability to their borrowers. Check this news report from Inquirer. You can do this by acquiring the retail treasury bonds or RTB. These are government debts that are offered to the public by the Bureau of the Treasury.

You may buy them through banks authorized to sell them or online directly through the Treasury. For instructions on how to acquire them, check this link. Investing in bonds on the other hand have longer term, and you earn by the periodic interest that the government gives you. For instance, this RTB no.

Its coupon rate or interest is 4. Since the interest is known as well the number of years, we can actually check just how much you may possibly gain. Assuming that you invested P,, this is how earnings are going to look like. That is, your money grew by You can also invest in bond funds or go through brokers so you can get access to the secondary money market.

Corporate bonds are debt instruments that private companies issue in order to raise capital. Just like the government bonds, they are interest-bearing and pay fixed income until the debts are settled when they mature. You get periodic interest, usually quarterly every three months , until the bonds are paid back in full when the term ends. Terms usually lasts about 5 years or longer. Corporate bonds give you priority on company assets should the business be liquidated.

There are ways to acquire them. Outside of the offer period, you may purchase them through the secondary market or by buying up bond funds. You earn by the difference called spread or yield between the price of the bill and its face amount.

Just like other government securities, you may be able to buy the treasury bills through brokers generally in the money market. You can also invest in preferred shares. Preferred shares or preferred stocks are issued by Philippine corporations as one of the ways to raise capital for their business. Dividends are the portion of the profit of companies that they decide to give away to investor. Another key difference is that preferred shares are not as volatile as common stocks.

How do you invest? You just buy the stocks from the stock market. If you want to see the dividend rates and other more important details, you may read the article: Is it good to invest in preferred shares? Just a couple of things to consider. They are not issued very often.

Another thing is that companies usually redeem buy back these shares at a certain period in the future. Lastly, dividends might not be guaranteed, so companies may miss paying out dividends in a given year. Lastly, the price of the stock is subject to market demand and can fluctuate. Because preferred shares are offered infrequently, another alternative is to buy company stocks from the exchange. You can choose companies that have historically given out periodic dividends to shareholders.

And here is also a list of Philippine company stocks that gave highest dividends last year. With so many choices, it might be hard for you to choose one to get started with. To help you find the qualities of the best passive income, here are some of the things you can bear in mind.

Also, take note that the ones mentioned here are either government-owned companies or licensed by the Philippine government, so you know that they are trusted partners for your wealth-building strategies. How much initial capital can you invest? This is the starting point because it is going to dictate what type of accounts you can open. The next factor is convenience.

You would want to deal with institutions that you can visit any time or have online portal for quick monitoring. Check if there are other duly-licensed companies near you. What kind of investing risks are you willing to take? You know what they say. The higher the risks, the higher the potential for returns. If you think you are not willing to experience capital loss, then go for guaranteed but modest returns from less risky SSS, Pag-ibig, and deposit passive income.

How much time and work are you willing to put in? Some would require you to track their gains or loss periodically such as in the case of exchange traded fund ETF. Others like time deposits do not really need much of your attention. Are you saving up for medium-term or long-term goals?

Or do you want to have access to your money any time? The need for cash or in technical term, liquidity limits your choices. Some of these accounts would charge a fee or only give your capital back when you withdraw or close within a specified period of time. Compare fees involved because they lessen your earning potential. Not only that, check for any tax liabilities on your income as they also can diminish your gains. In particular fees of investments funds in the Philippines are really high compared to similar products available in other countries.

And this is something that the government and the financial industry have to look into if we really care about protecting the interest of the investing public. Trust me when I say that you are your worst enemy. Self-control and money management skills are not gifts that anyone is born with, they are developed. Passive income. This is a wonderful source of information. I feel somewhat disappointed that financial literacy is not included in our schools curriculum.

This could have benefit our future generations and uplift our way of living. I agree! It would be nice if everyone was taught about financial literacy at their teens or early age in School. Filipinos got used to spending on material things and vices instead of increasing their money.

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