Last Updated on May 12, 2017 by Marie Bautista
People always come to me saying they want to invest, but don’t know how to start. Don’t worry. I have been there. The toughest part in starting to invest is at the beginning. Some of the reasons may be that saving in the bank is as good as investing, they are afraid of getting scammed, they only have ‘sakto’ money and investments are only for the rich. But you see, wanting to start investing but being scared at the same time won’t guarantee your future. What you need to do is arm yourself with as much knowledge as possible (one way is to ahem – read my blog) and plunge into building your financial empire (don’t worry, it is my dream, too!). Years ago, I thought that stocks are only for the wealthy, but nowadays, you can actually start investing at P5,000.00. COL Financial offers COL Starter, an entry-level account suitable for long-term investments with a minimum investment of P5,000.00. BPI Investments Online also offers the same at a minimum investment of P5,000.00. So here are 4 Types of Investment That Don’t Need A Lot of Money: 
1. Mutual Funds
Mutual Funds is an awesome way to get started in investing. I have personally started with mutual funds and everything is easy-breezy. Mutual funds are funds pooled together from investors like you. These funds are managed professionally, saving you from analyzing the market and taking crash courses in financial management jargon. Mutual funds also give you the choice to diversify your funds. For instance, you can choose for your funds to be invested purely in bonds, or in stocks, or in both. For only P5,000, you can invest in a wide choice of companies.
2. UITF
Unit Investment Trust Funds (UITF) are like mutual funds since they are funds pooled together and invested in equity, capital or both. The differences are that in UITF, you buy a unit of the fund whereas with mutual fund, you are like a shareholder of the mutual fund company and UITFs ae offered by banks, regulated by the Bangko Sentral ng Pilipinas (BSP), while mutual funds are offered by Mutual Fund Companies and regulated by the Securities and Exchange Commission (SEC). Like Mutual Funds, you can diversify your investments and fund managers manage your investments. UITF investments start at P10,000.00.
3. Regular Subscription Plan/Easy Investment Plan
Growing your finances involve investing regularly and consistently. BPI’s Regular Subscription Plan (RSP) allows investors to set a periodic schedule of contributions, whether monthly, quarterly, or any other cycle. The investments don’t have to be big amounts — they can be as low as PHP 1,000 per contribution. BDO Easy Investment Plan offers the same plan with P1,000 as the minimum contribution.
4. Invest in the stock market
COL Financial offers COL Starter, an entry-level account suitable for long-term investments with a minimum investment of P5,000.00. Investing in stocks is a learned art, however. If you want to
- Learn how to create your personal retirement fund through the stock market .
- Learn to invest in the stock market wisely.
- Plus, read the 4 rules of making millions in the market.
GET THIS FREE E-BOOK! 
It has helped me understand the wild stock market. 