Investment Options

Investment Options
By: Elmer Francisco

There are several investment options to choose from and each of them vary in many ways. One of them is risk. Yes, investing is very risky especially if you don't know what you're doing. It is always best to know first what you are getting into before jumping into it.

Here, we will give you an overview of what are the different investment options and a brief description of what they are.

Here are some of them:


     First and foremost, invest in yourself. Educate yourself continuously. There are plenty of both free and paid courses on everything. The fact that you are reading this blog is a proof that you are serious in your goals. For more information and to book an appointment, download EFI Wallet (iOS or Android) and sign-up for absolutely FREE

2. Savings Account

     A Savings Account is where you keep your liquid cash in a retail banking institution to earn a small amount of interest. It is better than just holding on to your cash where it does not earn interest but this interest does not beat inflation. In this type of investment, you can easily access your cash via ATM or over the counter transactions.

3. Time Deposit

     A Time Deposit is where you keep your liquid cash in a retail banking institution to earn a higher interest than a savings account. In this type of investment, you will have to keep your money in that account for a fixed amount of time in order to earn a higher interest. If you pre-terminate your Time Deposit, you can still get your cash but there would be pre-termination fees that would be deducted from your interest earnings.

4. ForEx or Foreign Exchange

     Foreign Exchange Market is by far the biggest market in the world in terms of volume of trading that reaches Trillions of US Dollars per day. It is also the most volatile market of all which makes it one of the most lucrative of all.

5. CFD or Contract For Difference

     Contract for Difference is contract between two parties wherein the seller will pay to the buyer the positive difference between the present value of an asset and its value at contract time while the buyer pays the seller if the difference is negative.

6. Cryptocurrencies

     EFI Coins and Bitcoins are digital assets, decentralized virtual currencies and payment systems. The system is peer to peer and the transactions are between the users directly without intermediaries. Bitcoin is the largest of its kind in terms of total market value but EFI Coin is posing to become even bigger than Bitcoins.

Enter your ETH Wallet Address


7. Bonds (Public and Private)

     Bond is an instrument of indebtedness of the bond issuer (public or private) to the holder wherein depending on the terms of the bond, the issuer is obliged to pay interest (coupon) to the holder and/or to pay the principal at a later date (maturity). Interests are usually payable annually, semi-annually, quarterly or monthly. Bonds are usually negotiable wherein the ownership of the instrument could be transferred in the secondary market.


     Unit Investment Trust Fund (UITF) is an open-ended pooled trust fund denominated in pesos or any acceptable currency, which is operated and administered by a trust entity and made available by participation.

     Net Asset Value Per Unit (NAVPU) is the current market worth of a mutual fund share. Calculated daily by taking the funds total assets: securities, cash and any accrued earnings, deducting liabilities, and dividing the remainder by the number of units outstanding.

9. Mutual Funds

     A mutual fund is an investment vehicle made up of a pool of moneys collected from many investors for the purpose of investing in securities such as stocksbondsmoney market instruments and other assets. Mutual funds are operated by professional money managers, who allocate the fund's investments and attempt to produce capital gains and/or income for the fund's investors. A mutual fund's portfolio is structured and maintained to match the investment objectives stated in its prospectus.

10. Insurance (Life, Non-Life and Pre-Need)

     Protect your investments with insurance.

11. Stocks

     A stock is a type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.
   There are two main types of stock: common and preferred. Common stock usually entitles the owner to vote at shareholders' meetings and to receive dividends. Preferred stock generally does not have voting rights, but has a higher claim on assets and earnings than the common shares. For example, owners of preferred stock receive dividends before common shareholders and have priority in the event that a company goes bankrupt and is liquidated.

     Also known as "shares" or "equity."

12. Real Estate

     The greatest investment on Earth is Earth!


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