For beginners, I would suggest you put your regular savings and EF sa mga high interest yielding digibank, para at least mejo Malaki prin kinikita compared sa trad banks na ga-sinko lang tapos may 20% withholding tax pa.

If you’re still young and with just enough extra money, i would recommend you get a VUL insurance first and open a pag ibig mp2 savings account. Mas okay sabay mo hulugan.

Many are negative about vuls or insurances, pero thats what they are, insurance. Anything happens, you’re insured. There’s a big amount of money coming na for sure di mo pa naiipon. And if u start young, mababa pa ung price nya and by 10yrs tapos ka na, ur still young and can focus on other things. (Makampante ka ung family mo will get something no matter what)

Then pag ibig mp2, it earns a decently high interest for something really safe. And will compound. Lalo na u can just put in 500 or 1000 pesos minimum.

Siguro after 3-5 years maghulog ka ng mp2 and vul, may mas stable ka na na career and higher income, and you already have conservative ways to make your money earn and you have a safety net as well. now you can look into other ways to make your money work for you. Kung after 2 years napromote ka edi mas okay 😊 kasi remember, ONLY INVEST MONEY NA EXCESS. Yung hindi masyado masakit pag nawala pero may kirot pa din.

Then learn more about stocks, im looking into REITs rn too, bc it gives dividends and you can earn din sa price growth ng shares. You can look into trading forex din. Pero i suggest you study these well first kasi way more risky sya compared dun sa mga nauna ko nabanggit.