Got P1,000? Invest It!

Invest your P1,000 in these investment ideas and watch your money grow!

To some, P1,000 may be a considerably small amount. Because of the price hikes and the growing needs of modern Filipinos, that amount can be wiped out in a span of 24 hours — less even, if you meet emergencies along the way. But what if you choose to let that P1,000 grow into…maybe a few thousands — even millions? Impossible? Not really!

There are actually a number of investments perfect for beginners with a limited budget. You can get started with as little as P1,000 to your name. All you need is the perfect investment, the right timing, and of course, a whole lot of research.

To help you out, here are some options for you to choose from:

Mutual Funds

Mutual funds are considered one of the best options for beginners who have little to no experience in investing. They are managed by a fund manager or a fund company so you just need to put your money and your faith in the fund’s performance.

Keep in mind that the longer you invest, the bigger the return. However, like with all investments, there is the risk of the value going down. So it’s still safe to start at a comfortable amount before you go bigger as years go by.

You can get in touch with investment companies with affordable rates to start on your mutual fund investment journey today!

Unit Investment Trust Fund

If you are much more comfortable working with your trusted banks, you can opt for Unit Investment Trust Funds or UITF. While it’s similar to mutual funds, instead of fund managers, they’re offered and managed by your bank. That’s why you won’t have to worry about monitoring your funds daily.

With UITF, you have access to much higher yielding assets. However, keep in mind that risks will be the same with mutual funds. So it is also ideal to start with an amount you’re comfortable with and talk to your trusted bank.


If you want to try a riskier route, you can go for stock investmetns. They’re much more complicated and definitely a high risk investment. Once you buy a company’s stock, you become its part-owner or shareholder. That means your earnings will depend on how well — or how poorly — the company performs.

In the country, you need at least P1,000 to open a stock trading account. So why not put it to good use and get in touch with a broker so you can start investing in stocks.

Aside from these options, you can also invest in government programs like the PAG-IBIG and SSS Investment Programs. They’re low income-friendly and scam-free. The only catch is the financial performance of said government branches dictate the earnings you will get; which can be inconsistent.

So if you want to start investing but worried about your small capital or the risks, you can try your hand at any of these options. And if you’re feeling adventurous, you can even combine any of these to start building a diverse portfolio which will be useful in the long run!