10 Appreciating Assets Every Woman Should Aspire To Own Philippines - The Thrifty Pinay

10 Appreciating Assets Every Woman Should Aspire To Own Philippines:

A woman’s assets have always been associated with one’s unique beauty and grace. But if you have been a regular reader of this blog, you would know that I highly encourage women to shift their focus on increasing another type of asset and that is the financial ones. Across the posts in this blog, I love sharing how to increase your net worth, grow your wealth, and learn about the different investment vehicles the Philippines offers. After all, it is for our financial future.

One of the best ways to build your financial future is by investing in assets that appreciate in value. An asset that gets higher in value over time is one that appreciates, instead of losing value. So in this article, we’ll cover the appreciating assets every Pinay should aspire to own to build her wealth, lifetime income, and financial freedom. But first….

What is an Appreciating Asset in the Philippines?

When you own appreciating assets, these are assets that tend to go up in price over a period of time. These assets are designed to increase your net worth and diversify your portfolio. However, there is no guarantee that appreciation in price will occur, as there will be times these assets can lose value.


Why do assets appreciate in value?

Appreciating assets tend to do so because of any combination of economic performance, tax policy, governance, inflation, interest rates, and even sentiments or rumors. Prices are also a function of supply and demand. It’s vital to understand the fundamentals of the investment you’re considering. This is what sets the investors who make an educated estimation from those who purely gamble. Some guide questions you can ask are “How much capital is flowing to an asset when compared to how much is leaving?” or “What causes investors to flock to one asset and move to another?” 

10 Appreciating Assets in the Philippines Every Woman Should Aspire to own

Not all assets appreciate in value and unfortunately, there is no guarantee that your investments will grow much over time. However, there are still a few investments that are known traditionally as appreciating assets.

Here are some popular appreciating assets that investors add to their portfolios. Remember to do your own research, as some of these assets might not make sense to you at first.

1. Real estate

One of the most popular assets that appreciate in value is real estate. You can start by buying single-family rental homes (houses and condominiums). You can also try multi-family homes such as apartments, commercial real estate like malls or offices, and even land. Real estate is a long-term investment. Investors will buy these properties and rent them out. Some invest by redoing the property and then flipping it for a profit. The more time you hold the property, the more it will likely increase in value. However, do remember that real estate is not without its risks. 

I understand that Investing in real estate may require a huge amount of cash so if this is something that is out of your facial capability at the moment, you may try REITS, or real estate investment trust (some of which you can invest for as low as Php 1,000.00. These are companies that own and often operate a number of different properties. They are often traded on the public stock market, making them accessible to everyday investors. It’s an easy ad simple way to invest in real estate and you don’t have to put in large upfront costs or take out a loan.

2. Stocks

Stocks are one of the most common appreciating assets in the Philippines. When you buy stocks, you are buying a share of a company in the hopes that its value will increase over time. You can even get dividends and even voting rights from some companies. Investing in stocks can be risky especially if you invest in new and emerging stocks. This is why most experts recommend investing in a diversified portfolio of different types of stocks so you may decrease the potential loss or volatility in the market. It’s also a good idea to research stocks before you invest.

You can invest in stocks through an investment platform or broker like BDO securities ad COL Financial. You can also invest in a pool of different stocks through an exchange traded fund or ETF, which could lower your investment risk. Now if you don’t have the expertise in investing in individual stocks, you may invest in Index Funds where you can get a nice, well-rounded selection of many stocks in one fund without the need to buy each individually. 

3. Bonds

While bonds might appreciate much slower than stocks, bonds are definitely a solid addition to a traditional portfolio. A bond can be a corporate bond or a government bond. In exchange for the loan, you’ll receive a set interest rate that matures on a specified date.

Ultimately, bonds are less risky than stocks. The returns on bonds are lower than the yields on stocks, but they are safer and they minimize risk. Furthermore, if you want to start investing but are too scared to expose yourself to the risks of the stock market, then invest in bonds first. If you’re interested in knowing more, read our guide on how to invest in bonds in the Philippines.

4.  High-Yield Funds

Generally speaking, funds produce interest though it may not be as high as the other assets in this list. But it still adds up making it an appreciating asset. High-savings accounts from digital or online banks offer upward of interest yearly. Yes, it is higher than the common savings account as they usually offer interest rates of 2.5% to 6.00%. The great thing about high-savings accounts is it has fewer overhead costs, so you usually earn much higher interest rates compared to traditional banks.


5. Government Programs

Pag-ibig MP2

Pag-IBIG MP2 Savings Program is a voluntary savings program for those who wish to save more and earn higher dividends than the regular Pag-IBIG Savings Program. It’s an investment for a lock-in period of 5 years, a low-risk investment but with better earning potential. After 5 years, you are given the choice to re-invest it for another 5 years or have it withdrawn.

Other reasons why PAG-IBIG MP2 is a good investment:
  • The minimum investment requires only P500 per month with no maximum amount implemented.  You can invest as much as you want.
  • It is backed up by the government, making it suitable for conservative investors because of its low-risk structure.  
  • It offers high dividend rates. It has significantly higher and better rates than the regular savings accounts and time deposits.
  • Earnings are tax-free

To know more,head on to our full guide on everything you need to know about Pag Ibig MP2. You may also want to read our 4 Tips to make the most out of Pag-ibig MP2.

Personal Equity and Retirement Account (PERA)

A Personal Equity and Retirement Account or what we call, PERA, is a long-term voluntary retirement account that encourages Filipinos to save and plan for their retirement. Some advantages of PERA that makes it stand out from the other retirement plans are:

  • Tax Benefits
  • tax-free withdrawals
  • 5% credit on your income taxes 
  • exempted on capital gains tax on any stocks.
  • tax exemption on 20% withholding tax on bank deposits, trust funds and deposit substitutes
  • tax exemption on 10% withholding tax on dividends
  • exempted on regular income tax on PERA products
  • Control over where to invest your retirement funds

For a more in-depth explanation of how PERA works, head on to this article: How to Invest in PERA (Personal Equity & Retirement Account).

6.  Cryptocurrency

A popular appreciating asset in the Philippines is cryptocurrency. Cryptos have risen drastically over the last decade. However, there’s a lot of volatility in the market (in my opinion, even riskier than stocks), which makes it a highly risky investment.

If you’d like to invest in crypto, you can do so through specific crypto investing apps like coins.ph and eToro. Just a reminder: some of these apps have higher fees which may be more than you might pay if you invested in stocks or index funds, so make sure to calculate that into your investments.

7. Non-Fungible Tokens (NFT)

The newest type of investment in this list of appreciating assets in the Philippines is the non-fungible tokens. They are similar to collectible cards and cryptocurrencies but in simpler terms, a non-fungible token (NFT) is a digital asset that can be bought and sold. Examples of non-fungible tokens (NFT) are sports highlights, digital artwork, and other digital possessions.

8. Starting A Business 

I know that the idea of starting your own business can be overwhelming, time-consuming, stressful, and of course, it requires upfront capital — and can still fail even with great execution. But let me tell you this: there are tons of businesses you can start, especially online, that only require a small capital, have less initial expenses but can build your income substantially. 

It’s natural that not everyone wants to be a successful entrepreneur and that’s okay, but think about many millionaires and billionaires who did build their empires from generational wealth. Many have become wealthy by starting their own company or selling their business years later. Of course, having multiple streams of income is where strong wealth accumulation can be built, but starting a business can still be a strong foundational asset.

One example is this website which is my official side business that I work on a few hours a week. With less than Php 3,000 to get it started, the site is now generating 10x+ in income per year of the start-up costs. Though I have no plans in selling it, I do get to write about something I’m passionate about and hopefully help others!  

10. Gold

Gold is the only luxury asset in this list of appreciating assets in the Philippines. Gold coins, bars, or exchange-traded funds are some investment options when it comes to gold. But be warned, unlike gold jewelry, the value of these items are directly related to gold’s market price.

Investors often keep gold as a major defensive strategy for their investments because it’s one of the few assets that appreciate during inflation and other financial or economic stresses. From what I know, when an economy is doing well, gold typically doesn’t do well. However, when a recession hits, gold then becomes an investor’s safe haven and so, the price of gold increases.

What appreciating assets in the Philippines are you most interested in or investing in currently? Are there others that you have found success with? Let me know in the comments below.

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10 Appreciating Assets Every Woman Should Aspire To Own Philippines

By Ameena Rey-Franc

Recognized as one of the Top Finance Blogs in the PH. Ameena Rey-Franc (founder of TTP) is a former Banker and BS Accountancy graduate turned Blogger, Keynote Speaker, and entrepreneur. Currently an RFP delegate, she is also the Author of a book about Financial Resilience and has held seminars for reputable companies like GrabFoodPH, Pru Life UK, VISA, JPMorgan Chase& Co., Paypal, Fundline, Moneymax, and many more. The Thrifty Pinay's mission is to empower women to LEARN, EARN, and be FINANCIALLY-INDEPENDENT no matter what life stage they are in.