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By: Marvin Germo | March 12, 2019

Filipinos Have Money But Not Willing To Invest

Why Filipinos don’t invest? Is it because they are not used to investing? Is it something that they don’t want? A lot of questions arises when this topic is being opened up. Not everyone in the country is poor. In fact, most Filipinos can afford a weekly trip to different places in the country and even abroad. Some are having a regular upgrade of smart phones and laptops when new unit comes in. Some have large amount of money stuck in bank accounts reserved to buy a new car. This just means that Filipinos have money but not all of them are willing to invest.

In this article, I am going to share with you my idea of the top reasons why Filipinos are not investing though they have the capability. It’s for you to decide, are you going to be one of those people who spend like a one day millionaire?

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


Mentality is the number one reason why Filipinos don’t invest. Investing is not something that’s taught at home or in school. A lot of Filipinos take advantage of this opportunity by thinking there will always be next time to invest. Little do they know that the best time to save and invest for the future is now. Today, you can you be capable of spending on the luxury things you want but what if you lost all your money tomorrow, how can you be able to recover without investments?

You Only Live Once

This is very common to young professionals. They think that life is a one time event so spending like a one day millionaire is not an issue. Millennials who are just beginning their career tend to spend on material things first rather than on the valuables that appreciate. If you are part of this population, are you also going to live like you only live once and spend until the last peso of your salary? Think of this carefully and learn to save as early as you can.

Unbalanced Enjoyment

This is another reason common to Filipinos. Unbalanced enjoyment always happens because people get too excited to travel for the first time or buy the latest gadgets. When Filipinos receive their money enough to buy something, the first thing that comes in their mind is buying what is trending or going to place although their budget is just enough for their monthly expenses. To be financially independent in the future, you must learn to balance enjoyment and set aside the things you will not be needing for the next 5 to 10 years.

Afraid to Invest 

Filipinos are afraid to invest because basically they think they don’t have the knowledge to learn the skills of being a good investor. They are generally afraid to lose their money and will rather choose to spend it on depreciating things. Only the bravest people survive investing. If you want to be a good investors, you should not be afraid to take the risk. Read books, attend seminars, watch videos, and learn from available resources if you don’t know anything about investing yet. Choose, would you rather be afraid your whole life or are you willing to take the risk and become a millionaire in 10 years?

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