Access to traditional banking services still presents a difficulty for many Filipinos. But new prospects for financial inclusion are starting to show up in 2025, which makes investing more reachable than ever—even for people without a bank account. Investing can be a great tool regardless of your goals—future savings, wealth building, or just the financial security it gives.
Think twice if you have ever believed that only the rich or financially astute should invest. Anyone—including the underbanked—can start down the path of financial growth with the rise of financial products and services such as the use of digital banking, mobile apps and fintech technologies. Here's how to get going:
Before putting your money into any investment, ask yourself as a beginner: What am I investing for? Do you want to build an emergency fund, save for your child’s education, or eventually start your own business? Setting clear goals will help you determine the right investment strategy and keep you motivated when challenges arise.
Your dreams are valid, no matter how big or small. The first step is to write them down and create a plan to achieve them.
Not all investments are created equal, and some carry more risk than others and to the untrained eye, they can be difficult to distinguish. Here's a variety of beginner-friendly investment opportunities for individuals and businesses available in the Philippines:
Step 3: Start Small & Stay ConsistentOne of the biggest myths about investing is the need for a lot of money to get started. In reality, you can begin with as little as PHP 500, depending on the investment vehicle you choose. The key is consistency—set aside a fixed amount every month, even if it’s small. Over time, your investment will grow through compound interest and market gains in the future.
Step 4: Use Digital Banking & E-Money AccountsThanks to technology, the underbanked now have more investment opportunities than ever. E-money accounts and digital wallets provide access to financial services without needing a traditional bank savings account. A wide range of mobile applications such as GCash Invest Money, Maya Invest, or Bonds.PH and other apps allow users to invest in funds, bonds, or even stocks directly from their smartphones. These fintech innovations bridge the gap for those with limited access to a conventional banking avenue and allow them to determine the best of financial services available.
Step 5: Be Aware of Risks & Stay DisciplinedInvesting always bears some risk. The stock market swings; companies struggle; and economic circumstances can alter in a flash. While some investments produce consistent but lesser earnings, others may have the potential to yield large returns but have more volatility. Making wise financial decisions depends on one knowing these dangers.
Though long-term investments usually increase, short-term downturns are natural. Markets bounce back from crises historically; those who remain involved usually reap gains over time. The secret is patience; try not to act impulsively—that is, panic-selling as prices fall. Rather, go over your financial objectives, keep updated on market developments, and make needed changes. Staying disciplined and emphasizing your long-term goals can help you to confidently negotiate the ups and downs of investment.
Extra Help: Resources for Underbanked InvestorsIf you're new to investing, these government agencies and platforms provide useful information and can be used to act as protection against scams:
Final Thoughts: Your Money, Your Future
The path to financial growth is now more inclusive than ever. Whether you're a small business owner, a freelancer, or someone looking to secure a better future for your family, investing is possible—even without a traditional bank account. The most important step is to start.
With mobile applications, digital banking, and fintech innovations making investments more accessible, where will you invest your first peso? The choice is yours, and the future is in your hands.
