Kaya nato ni: Cebuanos find ways to grow money

Grow your money with BDO. Cebu’s upstart investors make their money work harder with BDO’s flexible investment options.

You found a job—great work! As you adjust to earning and managing your own money, you make sure to save for your future. But after a while, you might wonder: is simply setting money aside enough? That’s when the next step becomes important—finding ways to grow your money through investing.

Why investing matters for starters

Investing isn’t about understanding complicated charts or predicting market swings. It’s about making your money work harder for you while you focus on your career. For young professionals in Cebu, it’s a way to prepare for life goals like buying a car, building a home, or supporting loved ones.

In reality, you don’t need to be a financial expert to get started.Investing today is much more accessible, thanks to widely available financial information and having the right bank partner.

If you’re new to investing, consider these practical tips to get started:

• Time in the market versus timing the market.  Instead of worrying about when to invest and trying to pick the right time, build your investment steadily.  By putting in money regularly, you average your costs and diversify your risks over time.

• Start now, start small.  No need to wait until you have P10,000 or P50,000 or P100,000 in your savings.  With as little as P1,000, you can begin investing in unit investment trust funds (UITFs).

• Choose the right financial partner.  Don’t fall for get rich quick schemes: if it’s too good to be true, it likely is.  When it comes to your money, pick the right financial partner that offers security and stability like BDO.

Sign up for Easy Investment Plan

Once you’re comfortable to start investing, the next step is building momentum and that’s where BDO’s Easy Investment Plan (EIP) comes in. EIP lets you invest in funds that fit your budget. You can choose from a wide range of peso and dollar denominated UITFs, whichever match your risk profile and investment goals.  

• Flexible options: Pick between low-risk money market funds or growth-oriented equity funds to help you stay invested across changing market conditions.

• Affordability: Start with as low as P1,000 or $200 every month via auto-debit facility to save you time.

• Convenience: Invest with ease via BDO Invest Online or at any branch.

With BDO-managed UITFs, you won’t have to figure out everything on your own. These funds are managed by professionals who constantly monitor the markets and make investment decisions on behalf of clients, so you can focus on staying consistent.

If you’re ready to take the next step, visit your nearest BDO Cebu branch to explore your investment options with our financial experts.

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BDO Unit Investment Trust Funds (UITFs) are not deposits but trust agreements. They are not obligations of, nor guaranteed, nor insured by BDO or its affiliates and subsidiaries, and are not insured by, nor governed by the PDIC. Due to the nature of the investments of a UITF, the returns/yields cannot be guaranteed. Any income or loss arising from market fluctuations and price volatility of the securities held by the UITFs, including government securities, is for the account of the investor. The units of participation in the funds, when redeemed, may be worth more or worth less than the initial investment of the investor. Historical performance, when presented, is purely for reference purposes and not a guarantee of similar future results. BDO, as trustee, is not liable for losses unless there is fraud, willful default, bad faith or gross negligence. Investors must read the complete details of the UITFs in its Plan Rules, make their own risk assessment, and when necessary, seek an independent/professional opinion before making an investment. For more information, visit our website at www.bdo.com.ph/trust. For assistance/concerns, you may email us directly at trustcustomercare@bdo.com.ph.

About BDO BDO Unibank, Inc. (BDO) is a full-service universal bank which provides a wide range of corporate and retail services such as loan and deposit products, treasury, trust banking, investment banking, private banking, thrift banking and microfinance, cash management, leasing and finance, remittance, life insurance, property & casualty insurance brokerage, cash cards, credit cards, and online and non-online stock brokerage services. BDO has the country’s largest distribution network, with over 2,000 consolidated operating branches and more than 7,900 teller machines nationwide. It also has 15 international offices (including full-service branches in Hong Kong and Singapore) in Asia, Europe, North America and the Middle East. The Bank also offers digital banking solutions to make banking easier, faster, and more secure for its clients. BDO ranked as the largest bank in terms of total assets, loans, deposits and trust funds under management based on published statements of condition as of December 31, 2025. For concerns, please visit any BDO branch near you or reach us through any of the channels listed in the Consumer Assistance page of our website: https://www.bdo.com.ph/consumer-assistance. For more information, please visit www.bdo.com.ph.

BDO is regulated by the Bangko Sentral ng Pilipinas(https://www.bsp.gov.ph). The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved