There are so many different investment instrument that most individuals are not well-versed about. Most young working population here in the Philippines doesn’t have any portion of their take home pay as their savings. With that said, there’s this notion among young professionals to live in the now, choosing instant gratification over financial security.

Many personal finance gurus would advise that it’s better to start saving and planning for future as early as now. You may not have any dependents, family to feed nor children to send to a good school right now. But eventually, your plans in life will change. It is also likely that most young professionals will choose to start their own families. With that, now is the perfect time to look into the different investment instruments available in the Philippines to help you get a head start regarding your financial stability and also your financial freedom.

When it comes to investing, Vidalia Lending offers a manage peer-to-peer investment with fixed returns secured by the company. Increase your chances of living a financially stable life in the future! You may visit our website now and learn more about our featured services.

We would like to point out the importance of getting your health insurance and having an emergency fund. These two building blocks are the foundation of building a good investment portfolio. Assuming you have these two things, here are some of the investment instruments that you need to get right now:

Paper assets/investments

Paper assets include bonds, UITFs or mutual funds, or direct stock investments because most of the time, proof of ownership of these investments are written on a piece of paper, the value of which can increase or decrease with time.


Bonds are issued by both the government and private corporations. Normally, these bonds generate cash that will be used to fund expansion projects and other similar ventures. As payment for using your money, these entities pay interest, usually twice a year. The capital amount you lent them is returned to you after an agreed period of time. It can range from 3 months, 1 year and up to 25 years.


UITFs and mutual funds are simply pooling money invested by fund managers in different investment vehicles like bonds and stocks. Aside from that, If you do not have the time to regularly monitor your investments, then this is the perfect option for you.  As a small price for managing your investments, UITF and mutual fund companies charge a small management fee, which is deducted from the actual money you invested.

Stock Market

The best investment vehicle that you can invest your money directly is through the stock market. Buying shares of solid and stable companies listed 44under the Philippine Stock Exchange can give you an annual capital growth of 10 to 15%. On the contrary, this is more time-consuming considering the fact that it requires you to monitor your investment from time to time.

For example:

At age 23, you start setting aside P2,000 from your monthly salary and decide to invest it in the stock market. This is equivalent to P24,000 a year. If you religiously allocated P2,000 per month for the next 10 years, then you would have saved a total of P240,000 by the time you turn 33. At a yearly growth rate of 10%, your P240,000 would have grown to P420,000! And you earned that passively just by continuously putting aside P2,000 from your monthly paycheck. What more if you increased the amount you saved proportionally to the increase in your salary?

Real Estate

Real Estate is the traditional form of investment because the value of land or any property increases over time. The good thing about investing in real estate is that new property developments such as condominiums give the young population an opportunity to get their feet wet in the world of real estate investments without necessarily requiring a huge chunk of their paycheck. The disadvantage of real estate is that that most real estate investments require a huge initial cash outflow in the form of down payment. This is one reason why most young professionals prefer paper assets over real estate.

Loan Investment

This unique investment product from Vidalia Lending allows you to put your money in the loan portfolio of the company. Your funds together with the capital of the company will fund the loan products (personal loan, salary loan and business loans). With a minimum amount of just PHP5,000 and 2 months placement term you will earn a guaranteed profit of 2%. It’s like the time deposits of the banks but giving your 7X more. You can also opt for 3,6,9 and 12 months with the latter giving 18% return.

Have a quick and seamless Investment process with Vidalia Lending. All you need to do is to open an account online, fund the account through a cash/check deposit, wire transfer or online banking. Upon account confirmation, you will then receive an email from our investment team. Enjoy monthly returns delivered straight to your bank accounts.

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