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Save & Invest

I don't have enough money to save or invest ...

Saving often seems hard at the beginning because it requires discipline and patience. Most people think they don't have enough money to save but you can start saving with just P5! The most important thing is to have a goal and plan for how to get there.


Determine if it is a short, medium or long-term goal.

Plan you savings goal

Plan your savings goal.

Determine how much you need to save monthly to achieve your goal.

Adjust your budget to reduce unnecessary expenses.

Add your savings amount to your budget.

Ensure your money is transferred to a separate savings account.

Practical ideas to start saving

  • Cut down your spending on luxuries like expensive food and clothes, alcohol and entertainment.
  • Reduce your usage of electricity, airtime and water.
  • Grow your own vegetables and take lunch from home.
  • Save money by repairing broken items, recycling, repurposing or reusing items instead of simply buying new ones.

Also remember

  • You don't need a lot of money to save. Every little bit counts.
  • Always set a goal to keep you motivated.
  • You can have short-term and longer-term savings goals.

Short-term savings and investments

Savings account

Determine how much you need to save monthly to achieve your goal.

Notice / Fixed Deposit / Call Account

For these accounts you must give your bank notice when you want to withdraw your money.

Money market

These accounts are for short-term investments of less than 12 months.

Medium-term savings and investments

Unit trusts

A Unit trust is a saving and investment product where a group of individual investors put their money together for the purpose of investing.

Endowment policy

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Tax-free savings account

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Long-term savings and investments

Retirement savings: these are long-term savings options that provide a pension which is paid out monthly or as a lump sum when a person retires.

Pension fund: a long-term saving that provides a person with a pension when they retire.

Provident fund: a long-term savings that provides a lump sum payment to a person on retirement.

Retirement annuity: a long-term investment where a person saves regularly to give them an income when they retire.

Property investments: this is a long-term investment in a property that is rented to a tenant or an investment in a property fund which invests in publicly-listed real estate companies.