Should Filipinos Invest on Mutual Funds today in 2026
Well, before I answer that very question. First, I will share some of my personal experience about investing on Mutual Funds. The information I will share on this post, is solely based on my personal experience. There’s a huge chance that I may have a different experience than other Filipino investor of Mutual Funds.
What is a Mutual Fund?
So, let’s define a mutual fund based again on my experience. A mutual fund is an asset that are pooled or gather by a fund manager. These particular assets may include stocks, bonds and may include real estate products. The person who manage those mutual funds are called Fund manager. There goal is to grow their investment on those assets, being mention above.
These mutual funds are worth from millions up to billions, depending on how large the pooled money by the fund manager.
Are their risk for Filipinos on investing on Mutual Funds?
The answer to this question is YES, every investment has risk on it. Your part is how much risk you can tolerate, because eventually there will a time or year, that those mutual funds will lose some of its value.
Because you invest on those Mutual Funds, be sure to assess yourself on how much risk you can tolerate. Also, when you invest on Mutual Funds the broker will assess you on what type of Mutual Funds you belong.
You will be assessed by the broker from the moment you create an account, whether you are an aggressive investor, or moderate type or conservative type investor.
Different Types of Mutual Funds for Filipinos Today
There are different types of Mutual Funds, if you’re an Aggressive type of investor, your Mutual Funds are most likely on stocks of different company. Mutual Funds that are compose of stocks, tend to have a higher growth or return every year. This growth usually from 10% to 25% per annum, but it also has a higher risk. So, this type of Mutual Funds your investment should be at least 10 years.
If you’re a Moderate type investor, your Mutual Funds tend to have a combination of stocks and bonds, they are balance. On the other hand, the growth on this type of Mutual Funds are usually high, it will range from 8% to 17% per annum.
A conservative type Mutual Funds are composed usually of bonds, these are just a like loan agreement by different companies. This type of Mutual Funds is usually the safest among the three but your return will be just at 4%-7% per annum. This type of Mutual Funds is ideal for retired and senior citizen Filipinos.
Where to invest on Mutual Funds?
There many different ways for Filipinos to invest on Mutual Funds Today, you can invest on them are your own bank, especially those big banks, like BDO, BPI, Metro Bank, etc.
Also, you can invest on Mutual Funds on GCASH, you will just need to have verified GCASH Account. Then just fund your account with just a minimum of ₱1000.00.
Then there also those brokers. For me, I am using COL Financial, you can create a to them via there official website. You will be required to submit some document. To fund your account on COL Financial, you can do it using GCASH or via Bank.
Should a Filipino invest on Mutual Funds Today?
The answer to that is YES, because there is a big chance that your invested money will grow exponentially in the future. And Mutual Funds are much easy to invest in that picking an individual stock at Philippine Stock Exchange. But, before you invest on this Mutual Funds, please do a research first about them, gather information and learn on it. With that information, the risk on those Mutual Funds will definitely be lower. The best time to invest is yesterday, the second best day to invest in today.
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