8 Ways to Get Fixed and Secure Return on Your Investment
Best way to earn fixed and secure annual 9% from investment
Ask anyone about their goals and dreams, and you’ll get the same response. Everyone wants to have a promising future. And to achieve that, one thing you must learn is to invest. When you explore this fantastic world, you get the chance to grow your wealth, plan for your retirement, meet your financial goals, and increase your power. Sounds like the dream, right?
One thing to think about first, though, is that investment comes with risk. Regardless of what the current set up, we don’t hold the answers to everything. Unfortunately, there is always the possibility of a drop in the market.
However, here is some good news. There are several safer investment options with medium to low-risk levels to help you be on the safe side. So, please sit back, grab a coffee, and let us tell you what you need to know.
What to consider before jumping on an investment
Before you decide to allocate your money for investment, there are things to consider first. Two major factors to think about our time and ability to tolerate risk.
For instance, if you are nearing your retirement age, it might do you good to put a more massive chunk of your portfolio to low-risk investments. Additionally, people with short term goals should consider doing so, too. This is so that you can survive should the market suddenly become volatile.
If you’re not the type to do so and want to get on investments with higher risks, you’re free to invest on higher risk ones – as long as you commit into diversifying your portfolio and not putting all your eggs in one basket.
Some investment options that give fixed and secure earnings
- Emerging Market Bonds
These are debt securities usually issued by private corporations and governments for countries with emerging markets or industries. Because their economies are less secure, they offer higher interest returns. To keep your fund safe, the approach is to go with an Emerging Market Debt Fund to get fixed earnings.
- High Dividend Stocks
Though these are not technically fixed-income investments, High Dividend Stocks are generally seen as a source of an almost guaranteed rate of return. There is still a chance that the value of an individual share might decline, but significant growth can be enjoyed if the price of the stock rises.
- Paying Off Your Debts
Yes, it might not seem like it, but settling and paying off a loan is the entirely risk-free chance of getting double-digit investment returns. Why? Paying off your debt means eliminating the interest rates that you own and turning that interest into earnings, instead.
- Peer-to-Peer Lending
A rising star in the world of fintech, peer-to-peer lending is now strongly attracting prospecting investors as well as hundreds of thousands of borrowers who need funding. It gives investors the role of a banker or a financer for people who need some money. The investors receive their earnings through the interests incurred in the loan. Of course, each loan you fund will have a risk of a default, so the strategy here is to diversify and spread out your fund to different loans.
- Savings Accounts
One of the most basic ways to earn money is through open a savings account with your local bank. They are very safe and very liquid, too, as you can access them at any time. The downside of this, of course, is that the interests can be relatively low.
7. Treasury Inflation-Protected Securities
Another considerable option to invest in is government notes and bonds that promise to pay interest and has a full return on principal guarantee as long as you hold on until the maturity of the securities. TIPS are ideal investment due to these facts, and also because it pays regular interests. Not only that, but it also adds to your principal investment based on changes in the Consumer Price Index. Usually, TIPS are available in 5 years, ten years, and 30-year terms.
8. Preferred Stocks
These numbers represent equities with a higher claim on the assets and earnings you can get on a private corporation. It is well-recommended over common stocks. This is mainly because they pay dividends, and they are usually the most prioritized. Granted, preferred stockholders don’t get voting power in the company. However, if a steady flow of income is what you are after, this will provide you with a continuous stream of income.
The best fixed and secure 9% income through Blend.ph’s Auto Invest
Here at Blend.ph, our main goal is to help Filipinos get educated and explore the beauty of investing. For those who feel overwhelmed about the inner workings of investment, or those who do not have the time to monitor their investment, we offer the solution.
Welcome to Blend.ph’s Auto Invest.
With our Auto Invest program, we minimize the risks that come with financial investments and give you the opportunity to earn a 9% interest on your investment every year. On our regular lending programs, you have the range of 6% to 30%, but the lender shoulders the risk. This time, Auto Invest guarantees the 9% earnings at the end of the year.
Depending on your preferences, you have the power to choose from 12 months, 24 months, or 36 months terms.
If you are interested to start a Blend.ph partnership with this investment product, you can start with a minimum Php 5,000. For more details, you can reach the Blend.ph team at [email protected].