Philippine Investment Calculator
Plan your investments in PSE stocks, mutual funds, UITFs, bonds, and treasury bills. See how your money grows with compound interest and build wealth for your Filipino future.
How to Plan Your Investments
Choose Investment Type
Select PSE Stocks (8-12% returns), Mutual Funds/UITFs (10-15%), Bonds/T-Bills (4-6%), or create balanced portfolios
Set Investment Details
Enter initial amount (₱10K-1M+), monthly contributions (₱1K-50K), and investment timeline (1-40 years)
View Growth Projections
See year-by-year growth, compound interest effects, and total portfolio value at maturity with charts
Compare & Optimize
Try different contribution amounts, timeframes, and investment types to maximize returns for your goals
Pro Tips for Philippine Investing
⏰Start Early, Win Big
₱5,000/month starting at age 25 = ₱8-12M by age 60 (PSEi index). Same amount starting at 35 = only ₱3-5M. Every 10 years delayed costs you ₱5-7M! Compound interest needs time to work magic. Even ₱1,000/month at 25 beats ₱10,000/month at 50.
📊PSEi Index Funds First
For beginners: Start with PSEi index funds/ETFs (8-12% historical returns). Diversified across top 30 Philippine companies, low fees (0.5-1%), no need to pick individual stocks. COL Financial, First Metro, BPI offer PSEi index funds starting ₱5,000. Beat 80% of active traders long-term.
💰Cost Averaging Beats Timing
Invest same amount monthly (₱3K, ₱5K, ₱10K) regardless of market ups/downs. Buy more shares when prices drop, fewer when high. Over 10+ years, this beats trying to time the market. Set auto-invest on COL, First Metro, or BPI to automate and never miss months.
🎯Emergency Fund Before Stocks
Build 6 months expenses (₱180-300K) in high-yield savings first. Stocks can drop 20-40% short-term - don't invest money you'll need in 5 years. Once emergency fund is set, then allocate ₱5-10K monthly to PSEi, mutual funds, or UITFs for long-term growth.
🏦Tax-Free PERA Advantage
Personal Equity Retirement Account (PERA): up to ₱100K/year tax-deductible contributions. Save 25-32% on taxes immediately! Money grows tax-free until retirement age 55. Perfect for long-term investors. Available at BPI, BDO, COL Financial, Security Bank. Maximum ₱5K tax credit per year.
🔄Rebalance Annually
Target allocation: 60% stocks, 30% bonds, 10% cash (moderate risk). Check yearly - if stocks grew to 75%, sell some and buy bonds to restore balance. This forces "sell high, buy low" discipline. Younger (20s-30s): 80% stocks, 20% bonds. Older (50s+): 40% stocks, 60% bonds/cash.
Who Uses Philippine Investment Calculator?
Young Professionals Building Wealth
See how ₱5-10K monthly investments can grow to ₱8-15M in 30-40 years, plan for financial freedom before 60, and start building generational wealth.
OFWs & High-Income Professionals
Invest remittances or bonuses in Philippine markets, plan retirement income streams, and grow wealth faster with ₱20-50K monthly contributions.
Parents & Goal-Based Savers
Calculate how much to invest monthly for kids' college (₱2-3M in 18 years), house down payment (₱500K-1M), or dream retirement lifestyle.
Frequently Asked Questions
Q: What's the minimum amount to start investing in Philippine stocks?
A: Direct PSE stocks: ₱5,000-8,000 minimum (one board lot). Index funds/ETFs: ₱5,000 first investment (COL Financial, First Metro). Mutual funds/UITFs: ₱5,000-10,000 initial, ₱1,000 minimum top-ups (BPI, BDO, Metrobank). Best for beginners: Start with PSEi index fund for diversification, then branch into individual stocks once you have ₱100K+ portfolio.
Q: What's a realistic return expectation for Philippine investments?
A: PSEi Index (stocks): 8-12% annually long-term (30+ year average). Equity mutual funds: 10-15% (actively managed). Balanced funds: 6-10% (stocks + bonds mix). Bond funds: 4-6%. Treasury bills/government bonds: 4-5.5%. Don't expect 20%+ consistently - that's unrealistic. Market down years happen (2020: -30%, 2022: -15%), but long-term trend is up. Plan for 8-10% average over decades.
Q: Should I invest in individual PSE stocks or index funds?
A: Index funds for most people (80%+ of investors). PSEi index fund gives you all top 30 companies automatically, rebalances quarterly, low fees. Individual stocks if: you have ₱500K+ portfolio, enjoy research, can handle 20-40% swings, understand financial statements. Strategy: 70% index funds (core holdings) + 30% individual stocks (Jollibee, SM, BDO, Ayala, etc.) for those who want to pick winners.
Q: How much should I invest monthly to reach ₱10M in 25 years?
A: At 10% annual returns (PSEi historical average): ₱8,500/month for 25 years = ₱10M. At 12% returns: ₱6,500/month = ₱10M. Starting with ₱100K lump sum: ₱7,000/month gets you there faster. The earlier you start, the less monthly contribution needed. At 8% returns: ₱11,500/month. Use our calculator to input your specific starting amount, timeline, and expected returns to find your exact monthly target.
Q: Are Philippine stock market investments safe?
A: Short-term: No - stocks can drop 20-40% in bad years (2020, 2022). Long-term (10+ years): Historically yes - PSEi has always recovered and grown despite crashes. Risk management: Diversify (index funds, not single stocks), invest only money you won't need for 5-10 years, keep emergency fund separate, don't panic sell during crashes. PSE is regulated by SEC (Securities and Exchange Commission) for investor protection.
Q: What's the tax on investment gains in the Philippines?
A: PSE stocks: No capital gains tax! Only 0.6% stock transaction tax when you sell. Dividends: 10% tax withheld automatically. Mutual funds/UITFs: No tax on gains while holding, 20% final tax on dividends/interest income distributed. Bonds: 20% withholding tax on interest. PERA accounts: Tax-free growth! This makes Philippine stocks very tax-efficient vs other countries with 15-30% capital gains tax.
Q: Which Philippine stock broker or platform should I use?
A: For beginners: COL Financial (lowest fees ₱20/trade, great education), BPI Trade (good for BPI clients, ₱0.25% fee). For active traders: First Metro Securities (fast execution), 2TradeAsia. For mutual funds: BPI/BDO/Metrobank (walk-in service), Seedbox (digital platform). Fees comparison: COL ₱20 flat, BPI 0.25% (min ₱20), banks 0.3-0.5%. All are SEC-regulated and safe. Start with COL for low costs + education.
Philippine Investment Calculator
Plan your investments in Philippine stocks (PSE), mutual funds, UITFs, bonds, and treasury bills. Get portfolio recommendations and realistic growth projections based on Philippine market data.
Investment Calculator
💡 Investment Tips
- • Diversification reduces risk while maintaining returns
- • Regular investing smooths out market volatility
- • Time in the market beats timing the market
- • Consider your age and goals when choosing risk level
Ready to Invest
Enter your investment details on the left to see growth projections and portfolio recommendations.
Philippine Investment Options
📊PSE Stocks
🏛️Mutual Funds
🏦Government Bonds
🔄Diversified Portfolio
Smart Investment Strategies
Getting Started
- Start with an emergency fund (3-6 months expenses)
- Use peso cost averaging for regular investments
- Diversify across different asset classes
- Understand your risk tolerance and time horizon
Long-term Success
- Stay invested through market cycles
- Rebalance your portfolio annually
- Consider tax-efficient vehicles like PERA
- Review and adjust goals periodically