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Investing in the stock market means buying shares of companies—Jollibee, Ayala, SM, even Apple or Tesla! 

How to Start : 

• Open an online broker account (e.g., COL Financial, BDO Securities, or Etoro for global stocks). 

• Fund it through online banking or remittance. 

• Start buying stocks monthly (₱1,000–₱5,000 is okay to begin with) 

Why it's Good : 

• Long-term growth. 

• Can beat inflation. 

• Accessible online.

If you’re not confident picking stocks, these are professionally managed funds that pool your money with other investors. 

How to Start : 

• Use online Philippine banks (BPI, Metrobank, Security Bank, etc.). 

• Or invest via insurance companies like Sun Life or Pru Life. 

Why it's Good : 

• Hands-off investing. 

• Low minimums. 

• Good for beginners. 

Buying property in the Philippines can be a great investment—whether it’s for future residence, rental income, or resale value. 

How to Start : 

• Attend online tripping or property expos (many developers have OFW-friendly offers). 

• Check out trusted names : DMCI, Avida, Lumina, Amaia, etc. 

• Make sure you work with a licensed agent and double-check paperwork. 

Why it's Good : 

• Tangible asset. 

• Can generate passive income. 

• Can increase in value over time. 

If you want a business without building from scratch, franchising is a smart option. 

How to Start : 

• Check legit franchises (e.g., Potato Corner, Mang Boks, Shawarma Shack, Toktok, Siomai King). 

• Appoint a trusted family member to manage it. 

• Start with small food carts or online delivery-based franchises. 

Why it's Good : 

• Business with a proven system. 

• Can be managed remotely. 

• Good for long-term income. 

Use your free time in Japan to build a side hustle.

How to Start : 

• Dropshipping / E-commerce: Sell through Shopee, Lazada, or Shopify. 

• Print-on-Demand: Sell customized items (shirts, mugs, etc.). 

• Freelancing: Use skills in writing, design, or admin work via Upwork or Fiverr. 

Why it's Good : 

• Low capital. 

• Flexible time. 

• Can turn into full-time income later. 

VUL = Variable Universal Life Insurance. It’s like hitting two birds with one stone—insurance + investment in one. 

How to Start : 

• Talk to a licensed financial advisor (Sun Life, Pru Life, FWD, etc.). 

• Ask for a policy that fits your budget and goals. 

Why it's Good : 

• Peace of mind. 

• Money grows over time. 

• Can help your family if something happens to you.

Don’t forget—you are your biggest asset. Leveling up your skills can lead to higher-paying jobs or new business opportunities. 

Ideas to Invest In : 

• Online courses (Coursera, Udemy, TESDA, Skillshare). 

• Learn Japanese language or caregiving. 

• Enroll in business or finance courses. 

Why it's Good : 

• Opens new doors. 

• Boosts your earning power. 

• Low cost, high return.