In doing business, it does not only mean establishing your own enterprise. There are several ways in venturing in the forms of investments to the banks, private businesses or even in the government. If you have extra money or if you would like to prepare for your retirement or you would like to put it in the financial institutions, you can do all of these. For most OFWs who would like to invest in the Philippines, this article will give you investment ideas.

However, putting money in the bank is now a conventional way of keeping your money in a safety place. This is just totally in the form of deposit which is always in a form of a short-term placement of money. If you have an ATM card, you will be tempted to withdraw the money at any time you want. You are not making the right investment. Investment has a formula and it is very easy to internalize and practice. This is Investment = Money + Discipline to Earn.


If you are an OFW or just an ordinary citizen, you can be an investor in the form of securities. There are several types of securities in the financial market and the most typical are stocks, bonds and insurance. Let me give you a quick distinction of these three securities. Stocks are ownership in a private company. Bonds are financial ownership in the government and you will be a direct stakeholder in the development of the nation and this does not have risk at all. All you need to do is to invest and wait for your earnings. While insurance is a practical way of investing your money, not necessarily investing for your own interest if in case you are injured or have an inevitable accident.

Stocks and insurance are high yield and volatile, but with high risk. It always depends on the economic stability. Return of investment is not guaranteed. For OFWs and ordinary citizens wanting to get a high yield return and no risk at all, better to invest in Retail Treasury Bonds.

How much money should I invest in Retail Treasury Bonds?

Retail treasury bonds or RTBs is another type of investments we can do here in the Philippines. Retail Treasury Bonds are “virtually” risk-free securities. It is zero-risk because it is a direct, unconditional and general obligation in our country. This is perfect for conservative type of investors or new investors.

For just ₱5,000.00 initial investment and multiple of ₱5,000.00 thereafter, you can invest in the form of bond funds which in return, will generate dividends and could be released quarterly. By buying, high yield security in the form of RTBs will surely give you a fixed rate. Moreover, by investing in government bonds, if you are planning to buy a house for your family, the mortgage lenders can provide you security bonds for the purpose of real estate loan with fixed rate interest.

If you ask yourself where to invest for Retail Treasury Bonds, investing in government bonds will be easier than investing in stocks or other securities.

Historically speaking, investing before was quite hard, but the development of technology makes investment a lot easier.

Step 1. Inquire at your selected bank

  • Retail Treasury Bonds, during the public offer period, may be availed through Selling Agent banks
  • Check if this type of investment is being offered by your bank
  • A Philippine Peso account is required in buying RTBs
  • You can also use your existing account or open a new one

Step 2. Fill out the application form

  • Accomplish the necessary forms and provide other required documents
  • All documents must be duly notarized

Step 3. Pay the Initial Principal Cost

  • Your principal payment will be duducted from your Philppine Peso bank account
  • Every quarter, the interest will be credited to your bank account until your investment matures

When the RTBs reaches full maturity, the full principal and the last coupon payment will be credited to your bank account.

Interest Rates Retail Treasury Bonds

4.875% Rate after 3 years

Amount of Investment Interest after 3 years
₱5,0000 ₱585.00
₱10,000 ₱1,170.00
₱15,000 ₱1,775.00
₱20,000 ₱2,340.00
₱25,000 ₱2,925.00
₱30,0000 ₱3,510.00
₱35,000 ₱4,095.00
₱40,000 ₱4,680.00
₱45,000 ₱5,265.00
₱50,000 ₱5,850.00
₱100,000 ₱11,700.00
₱200,000 ₱23,400.00
₱300,000 ₱35,100.00
₱400,000 ₱46,800.00
₱500,000 ₱58,500.00
₱1,000,000 ₱117,000.00


Table of Accredited Banks for Retail Treasury Bonds

BDO Unibank
BDO Capital & Investment Corporation
BPI Capital Corporation
China Banking Corporation
CTBC Bank (Phils) Corp.
Development Bank of the Philippines
First Metro Investment Corporation
ING Bank
Landbank of the Philippines
Metropolitan Bank and Trust Company
Philippine Bank of Communications
Philippine National Bank
Rizal Commercial Banking Corporation RCBC
Security Bank Corporation
Standard Chartered Bank

Source: RTB Yield Oline Calculator

Requirements to Open Retail Treasury Bonds

1. Peso Savings Account of the Accredit Bank.
2. Complete a series of forms by the RTB selling agent. The requirements will include a purchase application, client information sheet, and 2 photo IDs.
3. One document you need to fill out needs to be notarized. This proves that the government owes you for the duration of your bond term, hence, a legal binding document for the government to pay you back the money (including interest).
4. Pay the principal cost. Your principal payment will be deducted from your designated or newly opened Philippine Peso Account with the bank. Every quarter, the interest will be credited to your bank account until your investment matures.


Retail Treasury Bonds Public Offering 2019

Tenor ISIN / Series Code Settlement/
Re-issue Date
Original Issue Date Maturity Date Coupon Rate
20 Years PIBD2039A232 April 25, 2019 Jan. 24, 2019 Jan. 24, 2039 6.750%
10 Years PIBD1029A644 April 11, 2019 Jan. 10, 2019 Jan. 10, 2029 6.875%
7 Years PIBD0726B627 March 28, 2019 Feb. 14, 2019 Feb. 14, 2026 6.250%


Money is a hard form of earning. Money will be utilized properly if you consume it effectively. By investing it in the right financial institution either through securities or other types of investment to keep your money productive is a very good way to maximize it for emergency use, gadget purchase, educational payment and other important situations. RTBs are just limited when it is being issued publicly.

After the initial issuance, RTBs are still available for public offering in the secondary market (Please note: Once the Offer Period ends, any interested investor will only be able to buy RTBs in the secondary market) which is already subject to prevailing market rate depending on the economic stability. The most important thing to remember is that a Philippine Peso savings bank account is required when buying RTBs.

You can either open a new Peso account or assign an existing account where the principal payment and interests will be credited. RTBs are bonds because they pay a fixed interest every year with a pre-set maturity date. It is less risk or no risk at all because it does not have direct obligation at all. In all forms of securities, RTBs are the safest and perfect for conservative type of investors like OFWs, young entrepreneurs and ordinary citizens.

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How can I buy while I’m still abroad?