Best Investments to Make this 2020 for Beginners

Don’t let the year end without starting your investment journey! Take your first steps with these investment options.

Beginner investors often find it difficult to part with their money at first. And because we fully understand the fear in making such a considerably big risk, we’ve prepared a list of the best investment options for beginners like you.

Do keep in mind that each investment option has its own pros and cons. It’s still best to sit down with a financial adviser or investment expert to discuss your concerns because jumping in. You can never go wrong with playing safe — at least in the beginning. You also don’t have to dabble into all these options. You may start with one or two first and keep learning as you go on. Expanding your portfolio should come in as you learn and master the ropes.

Here are money-making investment options you can start with this 2020:

Real Estate

The steady growth of real estate in the Philippines is looking to exceed expectations this 2020. It’s a promising venture and doesn’t require too much aside from financial investment. What you need to take note of is the investment budget you have on hand to choose among three options: purchase land and lease it, purchase a residential or commercial area to rent out, and renovate a foreclosed property and sell at a high price.

In terms of trends, condotel investments have been gaining popularity among millennials and Gen Zs.


Interestingly, the value of gold — whether in the form of jewellery or in bars — is continually on the rise. This is in parallel with the depreciating value of the dollar. So it’s always a good idea to invest in gold.

And while you’re still waiting for its value to keep going up, you can enjoy your gold jewellery while flaunting it (even during your next conference call).

Foreign Trading (Forex)

If you still have a fairly small capital, you can invest in forex trading first. You just need a sound strategy, a lot of practice, and an experienced broker to enjoy the best returns this investment option boasts.

Our advice is to constantly practice to really get the hang of it.

Insurance (Life / Medical)

Investing in a plan or two for yourself and/or your family members is always a good move. Emergencies and unplanned expenses shouldn’t be too daunting when you have funds tucked away only for cases such as these. You are also assured that you live a much more comfortable life when you’re not worrying about finances that concern possible emergencies.


Here in the Philippines, you can choose to invest in either corporate bonds or government bonds — the only difference is who you’re lending your money to. There’s really no definite way to tell which of the two is better but in terms of higher yield, corporate bonds take the cake because of the higher risk they entail.

If you want to dabble your feet in bonds, it’s best to speak with a bank representative to help you get started.


If you have more time in your hands, you can go for stock investment. The key here is to keep updated at all times because the Philippine Stock Market is constantly changing. A lot of research, monitoring, and perfect timing are required to find success in the stock market. You need to find the right time to buy stocks so you can sell them for a much higher price.

Mutual Funds

If you’re going for something simpler, mutual funds is the way to go. A fund manager collects funds from different investors and distributes them to different types of investments such as stocks, bonds, etc. And since a fund manager or a mutual funds company manages you’re money, it is always important to be wary of scammers.

Bank Products

You can always also opt for the most common type of investment. Just talk to your bank representative about their fixed deposit schemes for time deposits, savings accounts, certificates of deposit, money market, and federal insurances.

With all these options, you are sure to find one which will help you grow your money even in these trying times — while you stay safe in your home. Just make sure to always keep in touch with your financial advisor should you have any concerns or questions. It also pays to use your free time to read up on investments!