Other investment ideas

Hello. I need advise.

I’m 33 years old. I have a pretty diverse portfolio, which includes:

• UITFs — I think more than 10 years na, negative pa rin. • Philippine stocks (BDO nomura) - negative rin • 1 purchased lot • 1 inherited farm land (which I can use) • VUL (FWD) — fully paid pero ang pangit ng cash value • Pag-ibig MP2 — so far so good. Might put 1M on my last year para mabilis and malaki ang return. The 1M will come from current investments ko now na mas liquid. • Digital banks Savings (Seabank, KOMO, CIMB) - earning interests.

Kakawithdraw ko lang rin around 300k from Maya because of the recent anomalies. And I’m feeling a bit iffy na sa DigiBanks because of that.

We already have a home na as well, which we will inherit. So thankfully, I don’t pay rent and I don’t need to purchase a house. I am currently earning 6 digits per month sa online work ko.

I learned from my mistakes na before (VUL, UITF, Ph stocks). Kaya now, I want to do better. Manage my funds better, and I don’t want to commit the same mistakes. Lalo na ung nanyari sa UITF ko na 10 years na pero negative. So sayang. Will never recommend.

I am thinking of investing in cooperatives. Multiple cooperatives sana para mas diversified — I’m thinking 50k-100k each for 10 cooperatives. Is this a good idea? I know na mukhang mapapagastos ako as I will pay more membership fees. I’m in Mindanao, by the way, so gusto ko rin sana ng coop na andito lang para if may mga benefits and perks na maeenjoy lang locally, ma-avail ko. I am concerned though na hindi insured ng PDIC ang coops. Is there a PDIC counterpart for coops? Do you have recommendations sa Mindanao? Yung na experience nyo na na malaki dividends and hindi mahal ang membership fees.

Saan pa kaya pwede mag invest? I feel kasi na limited lang talaga opportunities sa pilipinas when it comes to passive income investments. Kaya siguro mahirap maging financially stable dito. Ang mahal na rin talaga ng lupa eh.

I’m also thinking of businesses na business to business ang nature. Like middleman lang sa supply chain. Yung mabilis lang ang rolling. Yung tipong may steady lang na 2 to 3 deliveries per week pero bulto tapos tuloy2.