Things to Invest in at Your 20s

For many young individuals, the concept of reality often seems like a distant, abstract notion – a notion reserved for tomorrow. This sentiment is particularly prevalent among those transitioning from adolescence to adulthood in their twenties, marked by a sense of boundless time and a world of opportunities ahead.

The present serves as canvas upon which young people can paint their future. While the luxury of time is a precious asset, proactive steps can yield significant benefits. Investing in your 20s is akin to laying the groundwork for a sturdy financial fortress.

If you find yourself among these young dreamers, consider the following investments for both the present and as long term investment for the future, strategically aligned with the principles of personal finance.

In this article, we’ll guide you through practical steps, emphasizing the significance of an emergency fund for unexpected expenses, extolling the benefits of high-yield savings accounts, starting on an investment account as young investors, exploring the magic of diversification, and underlining the long-term advantages of retirement planning.

What Should I Invest in During My 20s: Tangible and Personal Investments

Stepping into your twenties is like entering a wild rollercoaster of adulting, filled with self-discovery and the quest for stability. Before diving into the typical investment talk involving stocks and bonds – let’s chat about the real game-changers, such as the things that add flavor to your daily life.

Picture this: timeless clothes giving your wardrobe an eternal glow, lush bedding turning your bed into a daily vacation, and healthy, tasty grub setting the stage for a kick-ass future, aka the things you should invest in to start each day with a positive outlook.

Just like free money, investing in things that will elevate your lifestyle can significantly impact your mood as well as how you go by each day. When young people consider investments, they often think it has to cost a fortune. But that is not always true. You can make personal investments that do not have to equate to monetary growth.

To be a productive member of society, you must first invest in your personal development.  Below is a list of things you might want to consider: 

Timeless Clothing Pieces 

If you ever need to shop for clothes, always go for the basics. Choose neutral colors, and that is according to the weather. Do not buy sweaters, hoodies, and turtlenecks because they’re cute and trendy. Staying comfortable and chic is the key.

You can always go wrong with a white top and basic jeans. Choose quality over quantity. You don’t need a dozen tops that will collect dust in your closet. The basics never go out of style. The tip on styling basics is to accessorize. Add a bag, jewelry, and a fashionable watch, and you’re ready to go. 

Best Bedding Pieces 


We spend half of our lives sleeping. Most of us even spend the majority of our days in bed. That said, spending on the best mattresses, comforters, pillows, and blankets is only fitting if our budget allows it.

When you come to think of it, sleep is on top of the list when it comes to things humans must do to survive a long day of hustle; hence, having a comfortable space to rest is a must

You deserve to get enough sleep after a long day of hard work. Has your back been aching lately? It would probably be best to alleviate some of that exhaustion and stress. Always remember that you have to take care of yourself before you can care for others. 

While clothing and beddings are great investments for yourself, just remember not to overdo it. Do not spend unnecessarily by going into a huge credit card debt with compound interest.

Invest in Your Health

When was the last time you had actual food for your meals? That iced coffee does not count as breakfast. Yes, you do not want to miss out on that new milk tea shop, but have you been eating healthy?

While young, enjoying the food you like anywhere and anytime you want is good. But don’t forget to also give something back to your body by eating healthy. That does not mean starving yourself or cutting back on food. It is simply choosing the healthier option when there’s a chance. Excellent health is one, if not the, best investments you can ever reward yourself with.

Where to Start Investing: A Guide for Young Adults

Check and Improve Your Financial Health: The Starting Point

Before delving into the world of investments and setting your investment goals and investment plan, it’s crucial to assess your financial health. This serves as your starting point, offering a reality check. Review your income, cash flow, expenses, and savings. Be wary of your financial decisions before jumping into your investing journey.

Identify areas for improvement, such as trimming unnecessary expenses or exploring additional income streams. This self-audit lays the foundation for a financially sound future, positioning you to start building your investment portfolio and retirement savings.

Time: Your Greatest Asset

Acknowledge the abstract nature of time and understand that it is your most significant asset. While the future may seem distant, the decisions you make today ripple through time, shaping the trajectory of your life.

Utilize this realization as motivation to make intentional choices in the present, aligning with your long-term goals, including early investment and contributions to your individual retirement account.

Invest in Personal Growth: The Evergreen Investment

Consider investing in yourself – an evergreen investment paying dividends throughout your life. This could involve acquiring new skills, pursuing education, asset classes, or engaging in personal development activities.

The knowledge and experiences gained contribute to your current well-being and enhance your future prospects, ultimately benefiting your personal finance goals and retirement savings.

Explore High-Yield Savings: Growing Your Safety Net

Channel a portion of your savings into a high-yield savings account. While not a get-rich-quick scheme, these accounts offer higher interest rates, allowing your safety net to grow gradually over time.

This subtle yet effective strategy ensures your money works for you as you focus on building your future, investing wisely, and contributing to your retirement savings. Some company offers workplace retirement plan.

Dabble in Diversified Investments: A Balanced Approach

Venture into the world of investments with a diversified mindset. Whether it’s stocks, corporate bonds, or real estate, spreading your investments across different avenues helps mitigate risks. This approach aligns with the principles of personal finance, promoting a comprehensive strategy for long-term financial growth and securing your retirement savings.

If you are not comfortable risking your hard earned money which is typical with any new investors, seek the advise of a certified financial planner or a financial advisor, or begin with baby steps through minimum investments.

Plan for the Future: Insurance Packages and Emergency Fund

Building on the foundation of financial health, establish an emergency fund. Think of it as a shield protecting your future self from unforeseen challenges. With three to six months’ worth of living expenses tucked away, you’ll be ready to face financial challenges without jeopardizing your long-term goals, including your retirement savings.

It’s a crucial aspect of personal finance that ensures you have the resources to invest money wisely when opportunities arise. Additionally, consider investing in insurance packages for both yourself and your family to provide a safety net in times of need.

If you are someone in your twenties, you are likely not just thinking about yourself when you think of the future. You also think about your parents and their welfare. Or your own family and what you can provide for them.

Part of the reason you might be afraid of the future is anxiety for yourself and your family. This is why people invest in insurance.  

Insurance could benefit you physically, emotionally, and financially. For one, you’re sure you and your family will be cared for should any harm happen. Second, you would sleep better without worrying about breaking your bank after one emergency.

The good thing is that various companies have made insurance more accessible. The key is to find the right package that fits your lifestyle, goals, and budget. The best tip to provide is start early so you find yourself in a better position eventually.

Invest in Mutual Funds

Mutual funds are a beginner-friendly option for entering the stock market. Managed by professionals, these funds allow you to invest without the need for in-depth market knowledge. It’s a hands-off approach, letting your money work behind the scenes to generate returns.

Diversified Portfolio: The Mixtape of Investments

Craft a diversified investment portfolio, similar to curating the perfect mixtape. Each investment represents a different track, contributing to the symphony of your financial success. This harmonious ensemble blends different notes of risk and reward, ensuring a dynamic and resilient financial journey.

Have a Retirement Account: Investing in Your (Future) Self

Investing in retirement accounts is like sowing seeds for a vibrant garden that you’ll stroll through during your golden years. Whether through an employer-sponsored plan or a personal IRA, it nurtures a garden of financial abundance for a comfortable and secure future.

Index Funds: Your Financial GPS

Think of index funds as the GPS guiding your financial journey. They mirror the market’s performance, keeping you on track to reach your financial goals without unnecessary detours.

Addressing High-Interest Debt: Clearing the Financial Fog

Before diving into investments, clear the financial fog by addressing high-interest debt. Pay off debts with determination to create a clearer path to financial freedom and more resources for investing.

Understanding Risk Tolerance: Your Financial Comfort Zone

Assess your risk tolerance honestly, ensuring it aligns with your financial comfort zone. This step is crucial to tailor your investment strategy to your individual preferences and goals.

Employer-Sponsored Retirement Plans: A Bonus Round of Monopoly Money

Contributing to your employer-sponsored retirement plan is like landing on “Free Parking” in a Monopoly game– a bonus round of monopoly money. Don’t miss out on the chance to double your investment through employer matches; it’s the financial equivalent of passing “Go” and collecting $200.

Exploring Riskier Assets: Invest in Real Estate

As you become the master chef of your financial kitchen, consider adding a dash of spice to riskier assets. While individual stocks and real estate bring more flavor to your portfolio, remember to maintain the right balance to ensure your financial recipe is exciting and well-balanced.


Young people often think they cannot invest in real estate because it requires a lot of money they do not have yet.  While having capital is an advantage, you can still invest in real estate even in your twenties.

Unlike stocks, investing in real estate allows more flexible financing. That means you can take out a loan and have your real estate property financed by the bank or through a Pag-IBIG home loan.  

However, investing in real estate does not always mean buying a house, lot, or condominium. Real estate investment trusts, or REITs, are also entering the Philippine market.

With REITs, you can indirectly invest in real estate properties and earn through guaranteed dividends. With this investment vehicle, you get to earn from real properties without the extra task of managing them. 

These are just some starting points where you can invest in your twenties. Learn to use the power of technology and your time to your advantage. While you are young, start building your portfolio and distributing your investments so that you can enjoy your youth and the rest of your life. 

For more investment guides and options, you may visit our blog page. To learn more about your real estate investment opportunities, check out Camella’s property page or our catalog of houses and lots for sale. 

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