I still remember when my ate asked me to help her invest her extra pera from her side hustle. She’s been wanting to grow her money, pero walang alam sa investing. I told her, “Ate, no worries! I’ve been there too.” I started with zero capital, just like her, and now I’m able to cover my siblings’ school fees through my GCash hustles.

So, when she asked me to teach her the basics, I shared with her my own diskarte. First, we started with the basics - understanding the different types of investments. I told her, “Ate, you don’t need a lot of money to start investing. You can start with small amounts, like your extra pera from your raket.” We talked about stocks, bonds, and mutual funds, and how they work.

My ate was surprised to know that she could start investing with just a few thousand pesos. She thought she needed a lot of capital to begin. But I told her, “Hindi needed ang malaking pera, ate. What’s important is that you start now and be consistent.”

One tip I shared with her is to start with what she knows. Since she’s familiar with GCash, we looked into their investment options. She was happy to know that she could invest her extra pera through the app. It’s convenient and hassle-free, perfect for a busy person like her.

My ate also asked me about the risks involved. I told her, “Oo, may risks talaga, ate. But if you’re smart about it and do your research, you can minimize those risks.” We talked about diversifying her investments and not putting all her eggs in one basket.

Now, my ate is on her way to growing her extra pera through investing. She’s still learning, pero she’s excited to see her money grow. And I’m happy to be a part of her journey, sharing my own experiences and diskarte with her. If you’re like my ate, wanting to start investing but don’t know where to begin, just remember - no capital is needed, just a willingness to learn and start small. Kumita ka na today!