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  • Investing your hard-earned money is a crucial decision to secure your financial future.
  • Various investment options are available to OFWs, such as real estate, life insurance, mutual funds, stocks, and business investments.
  • When choosing an investment option, consider your investment goals and risk tolerance.
  • Research the different products available and seek advice from a financial expert.
  • Investing in these assets will help secure a better financial future for Filipinos living and working abroad.

Thousands of Filipino citizens leave their home country every year for better opportunities. These aspiring individuals work tirelessly and send remittances back home to help support their families.

It’s essential to invest in reliable and profitable assets to make their hard-earned money work for them. Here are the top five investments that Balikbayans, or Filipino expatriates, can consider for their financial health and prosperity.


Why You Should Invest

As an Overseas Filipino Worker (OFW), investing your hard-earned money should be crucial to securing your financial future. You may be working abroad for a higher paycheck and better opportunities, but making your money work for you, in the long run, is essential.

Investing can help you achieve financial stability, provide for your family’s needs, and even build wealth over time. It can be overwhelming to navigate the world of investing, but with the proper knowledge and guidance, you can maximize the potential of your earnings. Don’t wait until it’s too late to start investing. Begin today and reap the benefits in the future.


Where to Invest

Various investment options are available to OFWs, so it’s essential to make sure you pick the right one that fits your needs. Here are some recommendations:


Real Estate

Investing in properties is a top priority for most Filipinos. This investment option is stable and will create long-term value. Property prices have increased year by year, making it an attractive option for investment.

One of the most popular locations for OFWs to invest in is Cavite, a province located south of Metro Manila. Its sprawling residential communities and resorts offer an ideal setting to purchase a house or condo for future use or preselling.

Investing in pre-selling house and lot packages in Cavite for OFWs allows you to be part of the booming real estate market. It’s a prime location that can generate passive income over time because of its proximity to the city and its many attractions.


Life Insurance

Life insurance is a crucial investment that should not be taken lightly. Balikbayans can invest in insurance policies that offer savings products. These policies have dual benefits; they offer protection against unforeseeable circumstances, and the premiums paid will be invested in a fund with guaranteed returns. Furthermore, you can choose from different types of life insurance, such as whole-life, term, and unit-linked policies.


Mutual Funds

Mutual funds are investment options that offer a high degree of diversification, irrespective of the investor’s financial status. A fund manager runs these investment schemes with multiple investors’ money invested in different portfolios of shares, bonds, and money market instruments. Mutual funds have a low entry cost and are an ideal starting point for Balikbayans who want to invest in the stock market.



Stocks are adding value to OFWs investment portfolios. The stock market has been one of the best-performing asset classes in the Philippines. The Philippine Stock Exchange (PSE) index has continuously increased yearly, indicating a solid economic outlook. Furthermore, the PSE provides an online trading platform that Balikbayans can access worldwide with a minimal brokerage fee.


Business Investment

Investing in a business can be an excellent investment providing a steady income stream. Balikbayans can consider partnering with a company in the Philippines by investing in shares or buying a franchise.

This investment option requires careful planning and research to minimize risk. However, many franchises in the Philippines have a proven track record, making it an excellent choice for aspiring investors.

Tips for Choosing an Investment

There are a few tips that you can keep in mind to help you make the best decision. Firstly, consider your investment goals and how much risk you’re willing to take. Secondly, do your research on the investment opportunities available to you.

Finally, seek the advice of a financial expert who can guide you through the process. Remember, investing your money wisely will not only benefit you, but it can also provide financial security for your loved ones in the future.


The Takeaways

In conclusion, these top five investments are the most reliable and profitable options for Balikbayans looking to invest their hard-earned money. Each investment option has advantages and disadvantages, catering to other investment goals and risk tolerance.

Investors must research thoroughly, especially if unfamiliar with the investment products. Balikbayans should consider talking to a financial advisor to acquire critical knowledge before investing in any of these options and help make an informed investment decision. Investing in these assets will help secure a better financial future for Filipinos living and working abroad.