What I always say is – your investments should match your financial goals. We all have different dreams and that means different investment products that we need. As a guide, begin with asking yourself whether your financial goal is a need or a want.
If it is a need, then that means that capital preservation is important – no elbow room for your money to fluctuate down. In this case, choose investment products that will preserve your capital such as time deposits, government bonds and Pag-IBIG savings.
Also, take into consideration your time horizon for investing, when do you need the money. This will aid you in choosing the investment product that will give you the most return given your investment horizon.