Your search results

Where can I Invest my 100k?

Posted by Golden Haven on June 3, 2021

Written by: Zores Miguel Declaro “Where to Invest my 100k?”

Nowadays, young professionals have been looking for lucrative investment opportunities to invest with their hard-earned money. The majority of millennials have been saving up for investments because they know that it is something they need to have before retirement. However, despite being aware that they should invest their money, a lot of Filipinos still do not know where they should invest. 

Investments are something you expect to generate profits with different risk expectations. The scheme sounds so simple where you put your money and get profits, but little do investors know that with different types of investments they could also lose their hard-earned money, that’s why you should carefully pick your investments. In reality, investments do not guarantee a hundred percent profits.

We want to help you figure out where you can invest your hard-earned money. Before investing in any asset, an investor must always keep in mind the famous quote of Warren Buffet “The best investment you can make is an investment in yourself. The more you learn, the more you earn”. Simply put, like entering a battlefield without a weapon, the same principle applies to investing. So before you start investing in stocks, cryptocurrency, real estate, mutual funds, business, and products you must know what you are getting yourself into by doing enough research about the investment.  

READ MORE: Golden Haven Memorial Lots Spark an Investment Trend Among Young Professionals

Investments that are under Php 100,000

Invest in Stock Market

Invest in Stock Market  

In 2019, only less than half of 1% of the total population of Filipino invests in the stock market. This concludes that only a few are knowledgeable of the stock market. The majority of Filipinos are also afraid of investing in stocks. The stock market simply connects companies and investors who are willing to invest in the company they prefer. Moreover, the company sells investments to investors through securities which they call shares of the company. The worth of shares of the company represents the company’s value. The more the profitable company becomes the more investors are attracted, which results in value appreciation of the company.  

Furthermore, there are only 2 ways on how you can earn in the stock market and it is through capital appreciation and dividends. The term “buy low, sell high” is the first way on how you can earn in the stock market. Technically, you are buying a share of a company at a low price. Selling it after a few days or maybe years when the price is higher than your initial purchase. Next is dividends, not all companies give dividends, and most likely the ones who distribute are blue-chip companies or the well-established companies in the country, dividends are the distribution of profits of the company to its shareholders, and it can be through cash or shares.  

Importantly, before entering the stock market you must identify your method whether it is trading or investing. Both methods seek profits in the stock market, but the approach differs from each other. Investing is buying shares of stocks and holding them for a year or more before you sell them which offers a lower risk. While trading is buying shares of stocks. Selling them after a few minutes, hours, or days only offers a higher risk. A tip on identifying what method you should use is identifying your risk appetite whether you could handle high-risk or low-risk stocks. Lastly, once you have identified your method you must do a significant amount of research. It should be about fundamental and technical analysis, as such strategies are what investors and traders use to generate huge profits from the stock market. 

Invest in Cryptocurrency

Invest in Cryptocurrency 

The most popular investment right now is cryptocurrency. Nowadays, many people have been getting into cryptocurrency because of different propaganda of people without actually researching facts about it and end up losing a lot of money. In reality, cryptocurrency can be a good investment if you have a trading strategy. Like technical analysis but it poses a great risk for the reason that it is very volatile because it can be traded 24/7, meaning the price could change any time of the day. In addition, Cryptocurrency was created to eliminate the purpose of the bank by using encryption techniques. This is to generate currency and verify the transfer of funds without the intervention of financial institutions. It is also exchanged for one another or fiat currencies but notably, it is not considered a legal tender yet.  

Ultimately, cryptocurrencies are now considered an investment although it is highly speculative because people foresee the potential of cryptocurrencies in the future, namely a few Bitcoin, Ethereum, Litecoin, Ripple, and Dogecoin. Since the investment is very volatile, you should never invest an amount of money that you are not willing to lose. Remember that as much as it can double your money in a short period, it could also wipe out your capital. To emphasize, you must do a lot of research before you start putting that hard-earned money in cryptocurrencies. Make sure that you invest with a strategy and not just investing caused by fear of missing out.  

READ MORE: Golden Top 5: Investments You Should Have in Your Early 20s

Invest in Memorial Park in Manila

Invest in Real Estate (memorial lots) 

You might be wondering how can your 100k buy a real estate investment? Well, memorial lots are almost the only real estate investment that you could afford with that amount of capital. Additionally, talking about real estate is a great investment option because it can generate passive income and can be a good long-term investment. To introduce, Golden Haven’s memorial lots are also touted as real estate’s most lucrative investment, with an annual appreciation of at least 20% year-on-year where you can find no other investment that could generate such an amount of return. In addition, the price of Golden Haven memorial lots has been appreciating over the years. The reason for this is because of their most beautiful and expansive parks. 

Currently, the most remarkable investment from Golden Memorial Park is now worth ₱378,000 from ₱5,000 back in 1984. Conclusively, there was a 2240 percent increase in your investment without doing tons of research and taking a high risk. As of now, the prices of memorial lots are still increasing and its price varies from different locations.  

Shoe Flipping

Shoe Flipping 

Sneakers have been considered a fashion statement and used for casual occasions or sports. However, many have been making huge profits out of reselling sneakers in the market. Sneakerheads or people who are much into sneakers are willing to pay a huge amount of price for shoes that are only limited in the sneaker market.

As shown above, that sneaker “Jordan 4 Manila” currently costs around ₱430,000 from its SRP price of ₱9,445, which proves that shoe flipping is highly profitable. Remember that also it requires a lot of time and effort. Investing in sneakers uses a very simple concept of “buy low, sell high”. For you to profit from these kinds of sneakers you must put in efforts of finding sneakers that are only limited from locating them to falling in line for hours without assurance of getting the sneakers since a lot has been looking forward to profiting from the limited sneakers. In addition, the sneaker market has been growing over the past years. More people are starting to get in the market to resell. However, just like any other asset, there will always be risks such as fraud sellers and also whether the industry will continue to be profitable in the future. 

Investment the right way

“Investment the right way” 

In reality, choosing the right investment for you will require a lot of time and effort to be profitable. Throughout your research, you must keep in mind that you need to have sufficient knowledge of the investment. Also, diversification of your asset to lower the risk, and risk management to avoid losing money from a certain investment. Lastly, make sure that the money you are investing in is not your emergency fund or savings. It is very important to have a separate account for each. Your investment can’t be liquidated in a short amount of time. It will lead you to lose profits in case you need money immediately caused by a fortuitous event. 

Join our Community

Be part of the Golden Haven community today! Visit or follow “Golden Haven” on our social media platforms. We are on Facebook, Twitter, Instagram, YouTube, Pinterest, Spotify, Viber, Telegram, Kakao Talk, LINE, and WhatsApp. For sales-related inquiries, you may contact (02) 8873-2922 to 23.

About the author:

Zores Miguel Declaro is an intern at Golden MV Holdings, a Financial Management student at De La Salle University-Manila.


  • 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.

Compare Listings