Consistency over complexity. Investing is becoming less about perfect timing and more about making regular contributions that build over time.

A growing number of young Filipinos are thinking about investing, and if you’re one of them, you’re also probably figuring out how to get started.

While Millennials and Gen Zs show interest in investing, there remains a gap between their financial aspirations and actual participation, according to a recent study on motivational factors and behavior that drive investment in the stock market.

Across fast-growing regions like Pampanga, many begin by saving and setting aside emergency funds. But over time, a question brings them to a standstill: what comes next?

This hesitation does not come as a surprise. In spite of having the motivation to invest, they are hindered by uncertainty, lack of confidence, and concerns on affordability.

Making consistency easier

Financial experts note that investing today is no longer about waiting for the “right time,” but more about learning about the habit early.

One of the biggest misconceptions is that investing requires large capital or deep expertise. Starting small and staying consistent can yield more value than joining the market at what appears to be the perfect time.

Because here’s the thing: there is never a wrong time when it comes to investing—especially if you have a long-term goal in mind.

For those new to investing, here are some tips:

• Time in the market versus timing the market. Instead of worrying about when to invest and trying to pick the right time, steadily build your investment. By putting in money regularly, you average your costs and diversify risks over time.
• Start now; start small. With as little as P1,000 or $200 every month, you can begin investing in unit investment trust funds (UITFs).
• Choose the right financial partner. When it comes to investments, investors should pick the right financial partner that offers security and stability, like BDO Unibank.

With programs like BDO’s Easy Investment Plan (EIP), investing regularly in professionally managed UITFs becomes easy, simple, and secure. BDO finds ways to make it even more convenient through automatic contributions via auto-debit facility.

With BDO EIP, flexibility and convenience are at your helm:

• Pick between low-risk money market funds or growth-oriented equity funds to help investors across changing market conditions.
• Invest with ease via BDO Invest Online or at any branch.

Clients may visit participating BDO branches across Pampanga to explore a wide range of investment products.