Investment Calculator — Philippines
See how a monthly investment grows over time at the Philippines' historical equity returns. No signup, no tracking.
Expected long-term returns
| Asset | Long-term return | Notes |
|---|---|---|
| PSEi equity / index funds | ≈ 8–10% p.a. | Long-term historical average |
| Balanced funds | ≈ 6–8% | Lower volatility |
| Pag-IBIG MP2 | ≈ 6–7% (dividend) | Gov't savings, tax-free |
| Time deposits | ≈ 4–5.5% | Capital-safe |
Returns are historical averages, not guarantees. Markets fall as well as rise; invest for the long term and diversify.
Where to invest
- COL Financial — popular broker for stocks and index funds, peso-cost averaging
- GInvest (GCash) — low-barrier mutual funds inside GCash
- BPI Trade / BDO — bank-backed UITFs and brokerage
- Pag-IBIG MP2 — government voluntary savings, tax-free dividends, 5-year term
Worked example — the power of compounding
Example: ₱5,000/month for 15 years at 9% p.a.
- Future value: ₱1,906,219
- Total invested: ₱900,000
- Estimated gains from compounding: ₱1,006,219
That's roughly 2.1× your money — most of it from compounding, not contributions. Starting earlier matters more than investing more.
Tips for investing monthly in the Philippines
- Peso-cost averaging — invest the same amount monthly regardless of price — smooths volatility.
- Pag-IBIG MP2 is a popular low-risk, tax-free complement to equity funds.
- Apps like GInvest let you start from as little as ₱50.
Frequently Asked Questions
How does monthly investing work in the Philippines?
You invest a fixed peso amount regularly into a fund or index (peso-cost averaging). You buy more units when prices dip and fewer when they rise, and returns compound over time.
What return can I expect?
The PSEi has historically returned about 8–10% per year long-term, though any single year varies widely. Balanced funds are steadier at 6–8%; Pag-IBIG MP2 has paid around 6–7% tax-free.
What is Pag-IBIG MP2?
A voluntary 5-year savings program by Pag-IBIG with tax-free dividends (historically ~6–7%). It's lower risk than equities and popular as a forced-savings complement.
What is the minimum to start?
Very low — apps like GInvest start from about ₱50, and COL Financial supports small recurring purchases, so you can begin with little capital.
Is investing better than a time deposit?
Equities target higher long-term growth but carry market risk; time deposits are safe but return less. Many Filipinos combine MP2 and index funds with an emergency fund in deposits.