8 Smart and Good Investment Ideas in Philippines for OFW

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8 Smart and Good Investment Ideas in Philippines for OFW

Looking for a good investment in the Philippines for OFWs? You’re not alone. Many overseas Filipino workers dream of growing their hard-earned money and finding more financial stability.

People in a business meeting shaking hands

Of course, you need to learn simple tips on how to keep your money growing and safe. That’s if, like me, you want to visit places like Canada or Japan. We need to be careful of online job scams these days.

For more useful info, grab my eBook “The A-Z on Becoming a Digital Nomad.” It’s a step-by-step guide to help OFWs and freelancers shift into remote work. From online platforms to practical tips, this is the perfect jumpstart to your OFW’s dream lifestyle!

Instead of just saving, investing is a smart way to prepare for the future. You don’t need to be rich to start. You just need the right information and a little courage.

Here are 8 easy investment options. These work well for Filipino digital nomads, SSS members, and OFW families. You can start small—even while you’re abroad. Over time, these can help build passive income and real wealth.

Why OFWs Should Start Investing

Working abroad won’t last forever. That’s why you need to plan.

Money kept in a regular account won’t grow fast. But a type of investment, like government bonds, REITs, or mutual funds, can grow it faster and more safely. Even low-risk investments like Pag-IBIG MP2 or time deposits are better than letting your money sit still.

Investing lets you grow eggs in different baskets – this is called a diversified portfolio. It spreads risk and increases long-term gains. Even small amounts can lead to long-term investments that support your retirement, your child’s education, or your dream home.

1. Real Estate (Condo, House, or Land)

This tangible asset is a top choice for many investors. You can live in it or rent it out.

Why it’s good:

Value increases over time
Earn cash flow from rent

Tip: Choose condominiums or houses in cities like Davao or Quezon City. Work with agents backed by Pag-IBIG Fund or BPI for secure deals.

2. Stock Market (Shares of Big Companies)

Buy shares from the Philippine Stock Exchange (PSE). Big names like Jollibee and SM Prime are common picks.

Why it’s good:

You can start with ₱1,000
Grow through higher dividends

Tip: Use apps like COL Financial or BDO Securities. Watch beginner tutorials first.

3. Small Business (With Family Back Home)

Start a small business and let your family manage it. Try a sari-sari store, food cart, or online shop.

Why it’s good:

Gives jobs to loved ones
Can give you a monthly income

Tip: Start small. Set clear roles. Check earnings every month. It’s a good opportunity if managed well.

Extra Tip: The family member probably needs to run around in the business. They need to put on some good shoes to protect their feet!

4. Pag-Ibig MP2 Savings Program

Pag-Ibig MP2 is a special savings program for OFWs. It’s safe and gives better returns than banks.

Why it’s good:

5–7% yearly returns
Low risk
Easy to open

Tip: Enroll online. Send money through remittance centers.

5. REITs (Real Estate Investment Trusts)

You can invest in big buildings like malls and offices. You don’t need to buy a condo.

Why it’s good:

Low starting money
Pays dividends regularly
Managed by a professional fund manager

Tip: Use apps like GCash or COL Financial. Always check the company’s record before you invest.

Extra Tip: Invest in tools that make running the business easier. A solar power bank is handy for outdoor stalls or locations with power interruptions.

6. Online Courses and Skills Training

Learning a new skill is also a great investment. You can try digital marketing and baking. It can be anything that interests you!

Why it’s good:

Helps you earn more
Prepares you for life after working abroad

Tip: Try free or low-cost courses. You can try those from Tesda, Coursera, or Udemy. And keep a journal to track your learning progress and goals.

7. Mutual Funds or UITFs (Unit Investment Trust Funds)

These are handled by fund managers. You just put in money and let them do the work.

Why it’s good:

Easy for beginners
Less risky
Great for building an investment portfolio

Tip: Ask your bank about it. Or use apps like GCash or Seedbox.

8. Digital Wallet Savings with High Interest

Some digital wallets give better interest than banks. These are good for short-term savings.

Why it’s good:

4–6% interest yearly
Easy to use and track

Tip: Use this for saving while you decide on a bigger investment.

How to Start Investing While Abroad

Before anything else, get health travel insurance. You need to protect your finances. But your health is also very important when you travel.

Step 1: Know Your Goal

Ask yourself. What are you saving for? Retirement? A house? A business? This will guide your choices.

Step 2: Check Your Finances

Make sure you have money for daily needs and emergencies. Only invest what you won’t need soon.

Step 3: Choose One Investment

Pick one that fits your goal and budget. You don’t have to do everything at once.

Step 4: Learn and Ask

Watch videos. Read simple guides. Join OFW groups online. Asking for help is okay.

Step 5: Keep Going

Add more when you’re ready. Be patient and watch your money grow over time.

Final Thoughts

Making a smart investment doesn’t need to be hard. Just start with one option. Keep learning about financial literacy. Ask questions and follow your financial goals.

Don’t forget the basics: consider tools like Yesim to stay connected anywhere in the world.

Your money should work for you. That’s the power of smart investing.

Ready to grow your money and prepare for a better life? Start now!