2017 Investment Options to Consider

In 2017, we should look forward to doing more of diversification. As follows are some of the investment options I want you to consider for next year.

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To say that 2016 was rough for market investors (stocks and managed funds alike) is an understatement but despite the volatility throughout the year, PSEi is just down 1.6% from 2015 closing. Hence the constant need for diversification and in 2017, we should look forward to doing more of diversification. As follows are some of the investment options I want you to consider for next year:


Something new. This sector is relatively young in our country and I believe SEC (and other governing bodies) are still trying to firm up regulations about these entities. Basically this is pooled funds from various retail investors, funds that will be invested, this time not necessarily in managed funds (unlike UITF / Mutual Funds) but in actual businesses. While we have many cooperatives in the country which act basically the same way, as follows are 3 of the relatively new entrants which capitalized on internet presence to reach prospective investors (and new breed of young investors).

Note that for 2016, we observed and followed these crowdfunding groups but we do not have actual exposures yet as we want to see their stability and let them iron out their operational kinks first. Which you as a prospective investor should do as well. Due diligence. As they say, “aral muna bago invest.” We also wanted to see the initial public reception on these new investment channels. For 2017, barring negative investor feedback, etc., we are seriously considering putting actual money to one or more of these groups. Another thing to check will be the ease of withdrawing your money if need be. Caveat emptor. If you have other crowdfunding alternatives you want to consider, let us know!

  • PhilcrowdRegistered as a cooperative, Philcrowd pools money from investors and allows investors to choose which business to fund, ranging from cacao or mushroom farms, Andok’s lechon manok franchises, 7-11, Potato Corner and a whole lot more. Advantage here is that Juan does not have to put up a big amount to have a stake in these best-selling franchises. But of course Juan is also reliant on how Philcrowd will manage the business on behalf of the retail investors hence very limited control. Members can also choose the plain vanilla membership in the cooperative and rely returns on investments through the overall growth of the cooperative. Visit their website to know more.


  • Cropital: This crowdfunding platform is focused on various farms throughout the country, with short-term and long-term investment options. I would say investor take up this year is very brisk, as the newly posted farms for funding (3 to 4 batches this year) get fully funded in just a matter of hours or a few days. The additional benefit compared to traditional farming is that their farms have crop insurance in case of environmental / weather hazards. If you want to invest and help in growing our agricultural industry, this might be for you. Visit their website to know more.


  • FarmOn PH: Another crowdfunding platform assisting our farmers up North (Isabela and Quirino) to find capital for their farms, assist them in improving their farming practices through technology, as well as in marketing and selling the harvest produce. Likewise, supply of capital for their farms is brisk, which I hope bodes well for the future of farming in the country. Visit their website to know more.



Something tried and tested. Less than 1% of Filipinos are in the stock market so work smarter than the 99%. Of course, this will always be an option, especially now that market did not move as much from 2015. Some would say that this is not the time to buy since the market is going down (and it might go down further). But if your investment OHA allows you a long-term investment, then slowly buying quality names can prove worthwhile in the future and you don’t necessarily have to time the market because only few gifted ones can (and not sustainably at that). Click here to start investing in stocks online.

Market volatility will always be there and in 2017, it remains to be seen how the PH economy will grow as we have a longer experience of the Du30 administration and his economic managers. Global trade needs to be assessed as well, on how the interactions of various economies, commodities and currencies will play out, plus the upcoming Trump US administration.



More of this. A move we prioritized in 2016 that proved fortunate in hindsight was to invest aggressively in preferred shares and bonds. We started the year with the goal of diversifying to fixed income money market instruments. Given the downward direction of our stocks and managed funds investments, the passive income from preferred shares / bonds helped provide growth and stability in our portfolio. We expect more of the same in 2017 as many companies are still lining up their offerings, just have to choose the quality companies.



Retain monthly investments. If you don’t have this yet, then don’t let 2017 pass without having investments to managed funds, especially regular monthly investments. Sign-up with your favorite bank for UITFs or fund managers for mutual funds. COL Financial also allows you to buy funds online. Or if you have VUL insurance, then you also have exposures to managed funds. For half of 2016, the markets have been going down but we kept on buying as we have auto-debit enrollments that allow us to invest regularly and capitalize on cost-averaging. While I wasn’t so active in buying stocks for my personal fund during the downtrend, the various enrollments and VULs kept buying and buying on this short-term sale. Incurred paper losses for sure, but I can more than handle it and I’m actually excited for the potential growth once market rebounds.


Something new for the young and old. Stands for Personal Equity and Retirement Account. Simply because you and I want to retire more comfortably. We should have more knowledge and options by next year to enable us to shop for the best PERA administrator. ‘Nuff said. For more details, read our previous article: Open PERA, Grow Your Money, Retire Comfortably.


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In 2017, may all Pinoys have richer lives!

About Geri (369 Articles)
Founder and main author. Husband, used-to-be-breadwinner, God-made multi-millionaire, employee, financial planner and adviser, investor, stocks trader, entrepreneur, agri-preneur, book author. Firm believer that all Pinoys deserve a richer life. Not a guru, but a forever student of the investments world, a work-in-progress.

6 Comments on 2017 Investment Options to Consider

  1. Hi Geri,

    Thanks for the tip. I actually ask about my Manulife insurance to my agent. I am so clueless with this one. I asked him how come with sunlife, my premium is low, but I get the same death benefit. He told me that comparing the two was like comparing apple and oranges. They are two different things. He asked me that we should talk about it in person but I haven’t got time to meet up with him. I got this one when I was younger (25years old). That time, I really just wanted to get an insurance. The agent was a colleague of mine.

    The other one(sunlife flexilink) is just plain death benefit. This one has around 60K in fund value. I will check with my agent on the possible options that I can do with my 2 sunlife policies.
    The only redundant benefit is the death benefit I think.

    I am exploring other investment options because I think having 3 policies is an overkill.

    Sorry. I have a lot of questions and the next one is out of topic again.

    Hubby is currently interested in forex trading. We have read somewhere that Mark So holds seminars regarding this one. Aside from him, do you know or can you recommend other avenue for learning forex trading? Thanks a lot! You and your blog is such a god send!


    • Hi Maymay, as of the moment I’m not yet into forex so sorry I don’t have a recommended trading platform. I guess best thing to do is check for feedback to make sure it’s legit and not a scam.


      • Thanks Geri! 🙂
        Maybe I’ll ask him to go through this site as well.

        I think we are of the same age. I am a late bloomer! Let’s just say I took time to enjoy my salary(mostly travelling). Haha. Huhu. Haha.

        I am still browsing through your posts. I have started researching about stock trading and I think you have a pretty good materials in your site. I’ll be reading more of your entries so expect me to ask a lot of questions and thanks in advance for your patience.


  2. Hi Geri,

    I stumbled upon your blog because I was one of the people who availed units on Grace. I have seen you have posts regarding VUL and Mutual funds but I’ll just ask it here.

    Currently I have 3 VULs.
    1 with Manulife(Face amount:600K, Annual Premium 120,000.00) Will be paying for this until Nov. 2017
    1 sunlife flexilink, (Face Amount: 500K, Annual Premium: 31069) Will be paying for this until February 2019
    1 sunlife maxilink prime with ADB and Hospital Ben(Face Amount: 600K , Annual Premium: 34000) Will be paying for this until April 2025

    The sunlife flexilink was actually given to me by a previous employer. We are supposed to get that policy after our 5th year in the company. However, after 2 years, I resigned in the said company. They don’t usually give it to resignee. But I had a very good relationship with the company so they gave the policy to me. More than a year later, I returned to this company. After 6 months, I will be given a new policy with the face amount now dependent on my New Annual Income.
    I want to give up one of the VULs I am currently paying for. Situations in my life changed as well and I find it hard to keep all these 3 policies. I was thinking of giving up of one of the 2 sunlife policies. Even though my manulife policy is the heaviest in terms of payment (10K monthly) giving it up is not an option since my obligation will be finished by November this year. I excluded. Can you shed me some light?


    • Hi Maymay, I also have friends who have Manulife and they tend to be on the pricier side of the premium spectrum. In choosing which Sunlife to cancel, aside from premium payments, check as well which benefit is redundant. You mentioned there is ADB and hospitalization in one, is the other just plain death benefit? Are you already covered for these through somewhere else? Check as well, if you already have fund value (investment portion), you can use that to pay for your premium so that you don’t end up cancelling the policy.


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