r/phinvest

So, I'm curious what you guys think about investing in stocks with two different brokers (for PSE). Like, 8 years ago I used COL, then I sold most of my stocks and pulled out. Now, last month I checked out GInvest (AB securities) and bought some stocks there. I'm thinking about using COL again too, do you think that's a good idea?

Freelancer here with no HMO. Had a health scare recently and ang mahal talaga ng hospital bills, so I wanted to invest na sana in a prepaid HMO. Checked out iCare's plans at siya ang pinaka-affordable. Okay naman ba sila? Highly recommended siya ng friends ko.

My family is taking out a 7M home loan. 5.5M lang talaga yung kailangan pero hindi na maadjust yung amount downwards kasi otherwise start from scratch daw yung process ng bank, eh kailangan na yung pera. What's the best way to go about handling the excess? May chance na may paggagamitan kami if magpaparenovate kami ng bahay at magpapainstall ng solar, pero that could still be a year from now, at sayang naman yung interest kung nakatengga lang sa bank yung pera.

If we prepay the full amount agad, naisip ko, it's as if 5.5M lang niloan namin pero lugi kami sa processing fees kasi ang basis is 7M.

Is there a way to safely invest the money to offset or at least make worth it the processing fees and interest we will be paying on the 1.5M na hindi naman namin kailangan urgently, in such a way that we can take out the money easily once we are in a position to use it?

Gusto ko sana iinvest sa PAGIBIG MP2 kaso gagawa pa ng bagong account so five years pa yun makukuha. Medyo ayaw namin magdigital banks even though mataas interest but open to advice on this. Government bonds, maybe? Saan kaya pwede?

Hi, guys. I hope everyone is doing great. I'm 25 years old and really new to investing. Still learning and just want to clarify some things and I hope you guys can help me.

I am reading the book The Simple Path to Wealth by J Collins. I try to "transfer" his advice and strategies dito satin sa PH.

Ify understanding is right, VTSAX is just the same as VTI (just ETF) and we could use MP2 as alternative to bonds. And this is the long term game plan that I currently have. I do want to include PH REITs in the mix for my portfolio but I'm focusing on creating the habit now and hust start it.

That said, with further research on my own, I discovered the Irish-domeciled ETFs (VUAA, VWRA, etc) and how it is better for us, non-US residents, rather than buying US-domeciled ETFs. Problem lang is it is only accessible via IBKR, which is banned in the PH (but yes I know, VPN is the key). I'm just not sure if using IBKR is good for long term (like decades) in the PH given that it is banned. Are there also cases na na-tag as AMLA mga withdrawals from IBKR? Planning to use Wise to fund it btw.

Question is, is the Irish-domeciled ETFs really the better choice for us? Is it better long term than buying VOO, QQQM, etc in GoTrade (I do have doubts using GoTrade, given na baka i-ban din siya, PH gov sucks)?

What are your thoughts guys? Any inputs would greatly be appreciated. Again, I'm still learning and I want to fully understand everything. I'm all ears!

Thanks!

Greetings everyone! Can someone please help me decide which village lot is better Woodhill or Southfield Avida?

Both are selling at almost
-same price of 22,000php/sqm
-Woodhill is a 40sqm bigger
-Southfield closer to schools (I was told)
-Woodhill lot both facing manila skyline and mountain range (makiling \*i’m not sure)
-Southfiled is very near the gate entrance!

I will be buying cash. Which lot has more potential as an investor? (esp almost same price)
For my future use is it a good investment to buy at this price now?

I have REALLY been saving up for this. I’m currently single and living in south (BF area), my friends who already have families and moved there told me “it’s a good investment?”

I was told and am aware of the HIGH HOA!?! I know, I also couldn’t believe the association dues there, but it is what it is.

I know Alveo would be a better in terms of investment but I couldn’t and am not the market for it.

Thank you all for your help on deciding 🙂
God bless!

i just want to reduce the 12%p.a

24 months installment on DP just done last month, project is not done too sa 2028 pa matatapos

I already signed with a Bank to finance my unit from Suntrust (as they advised). Suntrust can't and won't give me a timeline or even an estimated date of turnover. However, the bank is already pressuring me to proceed with the take-out as the interest rates will change in the next months.

Currently, we are renting a house so paying amortization at the same time would be difficult. So I might need to wait for turnover, even it means ill be getting a higher rate..

Pero just want to ask is it normal to pay amortization kahit wala pang turnover ng unit, or better talaga i-wait muna yung turnover? Also, wala ba tayong security as consumers in this type of situation?

For additional background, I reserved the unit in Nov 2021, finished the equity in June 2024. They only began construction in late 2025.

PS: Don't get from Suntrust if you don't want headache.

(EDIT: Spelling)

Do I need to have any money in traditional banks when the interest is miniscule anyway when I can put in my emergency fund on different better yielding accounts like BanKo Savings etc?

I heard relationship balances are a factor for having your money in a preferred bank so it's one of the reasons that people put a decent amount into their traditional savings accounts but are the privileges worth it?

Hi everyone,

I'll be receiving regular USD payments from the US, and I'm looking to open a dollar account specifically for remittances.

For those who have experience with this, which bank would you recommend? I'm mainly considering factors like:

• Low fees
• Smooth incoming international transfers
• Good exchange rates (if I decide to convert to PHP)
• Ease of opening a USD account
• Reliable online banking

I've heard people mention BDO, BPI, Metrobank, Security Bank, and UnionBank, but I'm not sure which one is the best in practice.

I'd really appreciate hearing about your experiences and any pros or cons. Thanks!

Hi everyone,

I’m planning to move to Alabang in the next year or so and am considering buying a lot there instead of continuing to rent.

For those who follow the Metro Manila property market, do you think Alabang still has good long-term appreciation potential, or have prices already peaked?

I’m planning to live there long-term, so lifestyle is my main reason, but I also want to make a sound investment.

Curious to hear your thoughts on where you think Alabang prices are headed over the next 5–10 years and what’s driving your view.

Thanks!

Just opened an RCBC savings account for the goal of investing in their S&P 500 Peso fund.

Before u all come at me, i am diversifying and wanted to try local UITF before venturing globally.

Na-setup ko na online banking but holy shit, di man lang tumagal ng 5 mins nagccrash na yung site. And i have to wait another hour para lang makaaccess. Another issue is if nakaopen yung account sa mobile app, di mo siya maaaccess sa pc and vice versa.

This makes me want to consider investing in EW S&P fund instead. BPI is not an option because of the high management fee. Problem is i earn in peso. Is there an easy and cheaper way to buy dollars?

Aside from time deposit, MP2 and stocks, where would you invest Php50M

I’ve been really confused about this lately.

I’ve always heard people like Robert Kiyosaki and other investors say that “good debt” is used to build wealth, while a lot of financial advice says to become debt-free as fast as possible.

Personally, debt has honestly changed my life.

I barely had ₱2,000 in my bank account years ago. Thanks to bank loans and credit, I was able to finish my postgrad studies, start and grow my business, and get to where I am today. Without leverage, I don’t think I would’ve been able to do it.

Now I’m at a crossroads.

My partner believes it’s much better to aggressively pay off all debt first for peace of mind. On the other hand, I’m wondering if that money would be better used to expand my business or invest if the expected returns are higher than the interest I’m paying.

I know debt can be dangerous if it’s used for lifestyle spending, but what about debt that’s consistently generating income?

For those of you who own businesses or invest:
Do you prioritize paying off debt first?
Or do you continue using leverage as long as the numbers make sense?

At what interest rate do you stop borrowing and just focus on paying everything off?

Would love to hear real experiences rather than just generic advice. I’m trying to figure out what actually builds wealth over the long run.

Hi Guys, I'm just new here and I am inspired by the movie "Dumb Money", "The Big Short" and "Wall Street: Money Nevers Sleeps". I have a job but I just want to learn stock market. Any tips for starters like me. and any recommendation. By the way I am using Dragonfi and already put money on it but I did not buy any stocks yet. Hopefully, you can give me any tips where to start. Thank you so much to all of you and Keep on growing 😁😍

Going back to investing in crypto, but I'm not sure where or which app to use. Binance/Bybit has been banned. Calling experts, help a noob out 😅. Thanks in advance. Please educate me.

Ano sa tingin nyo yung tech na magbibigay ng positive impact sa living standards ng mga tao in the next 5, 10 or 15 years?

I know it's controversial, but seeing there wasn't any bigger opposition na lumalabas against the Pax Silica plan, I'm assuming na it will be pushed through.

How can we ride this tide? Ano-anong prospect companies ang matunog na pwede ng pag invest-an ngayon?

20M here. I'm thinking of starting a small investment habit. I work part time at the moment but I can save like, maybe 500-1500 pesos monthly. I'm wondering where is the best place to start. I know it ain't much and the gains will be lackluster but I'd like to build the habit early on on life.

Maybe there are other investment platforms or ways you people would recommend? I already have an MP1 and MP2 account setup as well and running, though with just the bare minimum being deposited. ​