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Investment Ideas Under 100K

Posted by Golden Haven on January 23, 2023

A lot of people wait too long before making an investment because they think they’re not ready or don’t have enough capital, to begin with. However, the goal here is not to invest in perfect circumstances, but to get started and make some progress.

Investment refers to buying an asset with the expectation of it appreciating in value as the years add up and hence, growing your money over time. Anything you purchase will only be considered an investment if you get a return on investment (ROI) or profit out of it which measures the efficiency and performance of your investment.

Can you invest and earn a decent profit even if you have less than 100k? Yes! There are investments that you can start even if you don’t have millions or if your budget is under 100k. In fact, there is an investment idea that you can start for as low as Php500 in this list. Read on to know that there are no limits to what you can do with investment ideas under 100k that you can start today:

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Investing in stocks may be intimidating especially for beginners but it’s one of the top ways to get surefire ROI and grow your money exponentially even if you have less than 100k. Basically, if you have Php5,000 you can already start investing in stocks at COL Financial or First Metro.

 When you invest in stocks, you get to buy shares from giant companies like Jollibee and SM, even if you don’t have millions, and generously earn profit from your shares.

Real Estate

Real estate is a goldmine for many investors – and yes you can invest even if you have less than 100k. While this may be quite a surprise for some, the key here is to use what you have as leverage. For instance, if you have 90k, you can use it as a downpayment you get to a property value of 1 million. In that case, you are enjoying the use of an asset that is worth a million which you have acquired for 90k. With that said, you are slowly building your equity while enjoying a steady cash flow.

One of the ways to build cash flow or perpetual passive income out of the real estate is to rent your property out. For instance, if you buy a condo with a downpayment of 60k, your rental income can then help offset the costs plus also pay for the mortgage.

Modified Pag-IBIG 2 (MP2) Savings

The government also has a way for us to invest wisely with the Modified Pag-IBIG 2 (MP2) savings program that is available to all members of the Pag-IBIG fund. This is a high-yield savings program that you can participate in for as low as Php500. The interest rates or dividends you earn go as high as 8.11% per annum, the average is around 7.65%, which is comparably higher than what you can earn from traditional banking methods.

You can opt to withdraw your earnings yearly or get the lump sum upon fund maturity or in 5 years.

P2P Lending

Peer-to-Peer lending refers to the lending and borrowing of money via an online platform without intermediaries or middlemen like banks or other financial organizations. The online platform is a way to bring together lenders and borrowers. The lenders will then invest their money and earn interest on the agreed period.

The rates with P2P lending are flexible and the borrowers get to enjoy cheaper interest rates compared to banks while the lenders can generate profit from the interest rates.

Memorial Lots

This might not come off as a conventional way to invest but surprisingly, investing in memorial lots is highly profitable as its value appreciates over time. It is both a personal investment when the inevitable happens and also great for those who are looking for a business or reselling opportunities.

Investing in Golden Haven memorial lots is a golden real estate investment because its value appreciates yearly, has zero depreciation possibility, and has zero maintenance costs, unlike other real estate properties. It also has low capital investment requirements as well which you can purchase even if you have less than 100k.

Grow Your Money Over Time!

Understanding your risk appetite will help you determine the right investment products for you. So, if you are looking for investments that you can grab for under 100k, then stocks, Golden Haven memorial lots, P2P lending, and the Pag-IBIG MP2 saving program could be a few of what will work to get your hard-earned money to grow over time.

READ MORE: Golden Haven Memorial Park News and Update


  • Golden Haven is a member of the Villar Group of Companies and a subsidiary of Golden MV Holdings, Inc. The company continues to develop the most beautiful memorial parks in the country and is now the largest chain of memorial parks in the Philippines.

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