Investment Ideas For P20,000 Or Less - Marvin Germo

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Investment Ideas For P20,000 Or Less

By: Marvin Germo | March 2, 2019

Practical Ways To Appreciate Your Money

It’s normal for people to get excited when money comes. Who wouldn’t want that? Even big companies and rich people put smiles on their faces when incoming cash flows increase. For a normal young professional with an average income, 20,000 PHP or less is already something to keep. So, if you are reading this and you have 20,000 PHP in your wallet, where will you spend it? Will you use it to buy a phone for an upgrade, a laptop, or shoes?

Practically speaking, there are a lot of ways where you can use your hard earned money to increase your 20,000 even more rather than spending it on something that will soon depreciate. To give you an idea, here’s my list of investment ideas to appreciate your cash.

Catch me in my live training events! (quick plug)

The heart of why I do this seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more on how you could time the market checkout the trainings below.

Stock Smarts Cebu —  April 6 & 7, 2019
Investing Insights Japan – April 13, 2019
Stock Smarts Singapore —  May 18 & 19, 2019
Investment Conference 2019 – May 25, 2019
Stock Smarts Manila —  June 15, 16, 22, 23, & 29, 2019
Stock Smarts Iloilo – July 6 & 7, 2019
Stock Smarts Cagayan De Oro – July 20 & 21, 2019
Stock Smarts Hong Kong – August 11, 2019
Stock Smarts UAE – August 30 – September 3, 2019
Stock Smarts Qatar —  October 3 – 6, 2019
Stock Smarts Taiwan – November 2, 2019

Unit Investment Trust Funds

UITF are the top options for conservative investors. With your 20,000 PHP, you can get an affordable investment through these funds with a bonus of a fund manager who’s in charge to take care of your money. These are pooled investments like mutual funds but are cheaper. And in case you need to get them for emergencies, they are liquid, which means you can withdraw them right away.

Mutual Funds

Another type of pooled investments is mutual fund. I have shared in my previous post how this fund works and you can check that out if you’re interested. It is definitely an option for someone who has 20,000 PHP or lesser because it’s like you and other individual and corporate investors are collecting your money altogether so the fund manager can invest it in high-yielding investments.

Investment-type Insurances

Today, you get to encounter a lot of financial advisors offering several types of insurance. I shared some of the information of investment-like insurances in my video below. Technically, this type of investments will require you to put a certain amount of money in your insurance every month. After 5-10 years, you can get the fund you investment with promising returns.


Don’t forget stocks as an option where you can spend your money on. There are available platforms where you can start learning and investing in stocks. One of the trusted online platforms here in the Philippines is COL Financial, which will give you direct access to market data and analysis. COL lets you start with 1,000 PHP. You can get far beyond what you imagine with your 20,000 PHP if you invest it in stock market.

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders
Stock Smarts Book