It is not a hidden fact that OFWs are considered as Filipino modern heroes not just because of their hard work and sacrifices but also owing to the fact that they remit billions of dollars to the country every year. According to the Bangko Sentral ng Pilipinas, the money sent home by OFWs last December 2018 can be described as the “highest annual level to date.” Personal remittances scored 3.6% higher than last 2017 resulting in $3.15 billion only for that month. With that, the full-year tally came with $32.21 billion, a 3.0% higher from the year 2017’s $31.29 billion. Consequently, Bangko Sentral ng Pilipinas, Department of Economic Statistics Head, Redentor Paolo Alegre stated that from 4.2% in the third quarter of 2018, the percentage of families investing remittances went up to 5.1% in the fourth quarter.

This only means that instead of allotting money for material things, Filipinos are also seeing the importance of saving up and investing money for their future. But then again, how would you know if it is a wise investment? Well, take a look at this good investment for OFW guide to make sure that you are perfectly aware of the dos and don’ts.


1. Start as soon as you can

Plan for the future ahead of you. Assure yourself that you’ll achieve the financial stability you have been dreaming of for yourself and your family. The sooner you start, the better. There are a lot of investment options out there and not all of them require a huge capital.

With Vidalia Lending, you can sit back and relax as you join our Peer to Peer lending platform. Earn extra cash and secure your future financially through investing for as low as P5,000 on our featured loans. Rest assured that with Vidalia Lending, your capital is protected and you will even get better benefits compared to investing in Bank Deposits, Mutual Funds, Stock Market, Corporate Bonds, or Forex.

2. Be Smart Yourself

Of course, before investing, make sure that you are perfectly aware of the investment platform you are getting yourself into. Being smart and wise begins in you. Make a research on what type of investment product will suit you the most and which company offers that. Make sure that they have a good reputation and they are fully authorized.

3. Read

Yes, simply read. Take your time on reading once you have a copy of the terms and conditions of your contract. You will be the one to fund your investment and thus, there’s nothing wrong with reassuring yourself that your hard-earned money will be really safe, secure, and you will get the most out of it.


1. If it confuses you, then don’t

In case that you find yourself getting confused about the investment product or you cannot understand any part of its terms and conditions, then do not risk your money. If you have tried to contact the bank or the company and your questions are still left unanswered, then do not push through with your investment.

2. Do not take the risk you cannot afford

Of course, the first rule of investment, “know your risk tolerance.” Do not be lured by the promise of exceedingly high returns. You worked hard for your money and you must not let it lose its value. Invest but never take the risk you cannot afford.

3. Avoid Schemes

Pyramiding investment schemes are truly becoming a trend, especially on the internet. According to Investopedia, a pyramid scheme is an “illegal investment scam based on a hierarchical setup of network marketing”. With this, you should be really extra more careful on where you will invest your money and make sure that it will never be put into waste.

Vidalia Lending ensures every investor of a risk-free and highly-effective and good investment for OFW. You do not have to think about the servicing, collection of loans and even marketing as our professional team will handle every bit of the process. Wherever you are, even if you are outside the country, you can visit our website and start your investment today.

Good Investment for OFW