Gold Is the New “It Girl” of Investments for Younger Generations

 

What do Sabrina Carpenter, matcha, and ballet flats have in common? They all had their undeniable “It Girl” moment—dominating conversations, shaping trends, and suddenly becoming everyone’s latest obsession. But what if investments had an “It Girl” too? Surprisingly, gold seems to be stepping into the spotlight.

Traditionally associated with family heirlooms, safety deposit boxes, or something your tita’s forever-reliable financial advice, gold has long been seen as a safe but somewhat old-school investment. However, a report by Reuters shows that, as early as 2024, younger generations are already looking to gold to make smarter financial decisions in an economy that feels anything but predictable. Younger investors are increasingly drawn to gold for its perceived stability and long-term value.

And honestly, it tracks. Between rising costs, market swings, and the pressure to make money grow, high-barrier investments are starting to lose their shine. Instead, many younger investors are gravitating toward options that feel more stable, tangible, and easier to understand. Yahoo Finance reports that younger investors are increasingly prioritizing lower-risk, long-term assets, and part of that consideration is an investment in gold, now seen as a time-tested store of value that feels a lot less “for someday” and a lot more for right now.

Why Gold Is Having a Comeback: The Economy Made Her Do It

Gold’s growing appeal didn’t happen by accident. According to a 2025 article by EBC Financial Group, rising geopolitical tensions, inflation worries, recession fears, and ongoing market volatility have pushed investors back toward safer assets like gold, reinforcing its long-standing role as a “safe haven” during uncertain times. The result: stronger demand and record-high prices as investors look for something that doesn’t flinch every time markets do.

Younger Filipinos, in particular, are becoming more intentional about how they grow their money—not just for short-term gains, but for building a more secure future. In fact, younger consumers increasingly prefer low-effort, practical ways to manage and grow their finances, according to recent findings covered by the Q4 2025 TransUnion Consumer Pulse Study.

The mindset shift is clear: investing is no longer about guessing—it’s about planning for long-term stability and future goals.

This is where gold quietly reclaims the narrative—not as an intimidating, high-ticket asset, but as something far more accessible than its reputation suggests. What was once seen as expensive or physically out of reach is now being reinterpreted by younger investors as a practical way to build wealth over time through low-barrier, flexible options that actually fit their lifestyle.

Enter Digital Gold: The Easier Way In

Enter digital gold—no vault visits, no jewelry store negotiations, and definitely no need for large upfront commitments. Just a simpler way to start small and build steadily in a format that actually fits how people manage money today.

This is where Gold on GCrypto comes in—your easy access point to digital gold, seamlessly available within the GCash ecosystem and designed as a first step into exploring digital assets.

Entry starts as low as PHP 500, making it easy to begin investing and grow your holdings through small, consistent contributions at your own pace. It’s also built with trust in mind: offered through GCash as a vetted partner, with digital gold fully insured, certified, and backed by 100% physical gold stored in high-security vaults in Switzerland.

And because modern investors don’t want to “set and forget,” visibility and control are built in. Users can monitor their gold anytime, anywhere, and buy or sell 24/7—no waiting, no guesswork, just real-time access to their investment. In short, it’s gold, but upgraded for how people actually live today.

Younger generations are no longer waiting for a “perfect time” or a big bankroll to start investing—they’re starting where they are, with what they have. Digital gold reflects that shift: practical, accessible, and far less intimidating than traditional entry points.

Every era has its obsession, and for younger investors navigating an unpredictable economy, gold may just be having its moment—not as an untouchable luxury, but as an investment that finally meets people where they are.

Ready to start investing in digital Gold? Open the GCash app, go to the Invest tab, then choose GCrypto Gold to begin building your digital gold portfolio. Download the GCash App on the Apple App Store, Google Play Store, or Huawei App Gallery. Kaya mo, i-GCash mo!

Skip the Wait, Live Now: Bakit RFO Unit ang iyong Perfect Match!

Bella Vita RFO Units

 

Pinag-iisipan mo na bang bumili ng sariling bahay? Awesome! Maraming options ang nariyan para sa’yo, pero ang pagpili kung pre-selling unit or RFO unit ba ay tagalang kailangang iconsider ng mabuti. Sure, ang pre-selling ay talaga namang mas mura sa simula. Pero sa sa pagbili ng RFO unit, maaari mong ma-enjoy ang mga perks na magpapatunay na ito ang winning choice at perfect match para sa’yo.

Imagine this: sa halip na maghintay ng mga buwan o kahit taon para matapos ang construction ng bahay, agad mo nang makukuha ang susi at makakalipat agad. Wala nang pagmumuni-muni tungkol sa tanawin sa bakuran o sa pagdaydream kasamaang mga anak sa mga play equipment – agad mo nang magagawa ang mga iyon. Higit pa diyan ay may pagkakataon kang tingnan mismo ang unit, suriin ang kalidad ng lahat, at makita kung ang layout ay swak sa iyong lifestyle.

At speaking of lifestyle, yung amenities gaya ng play equipment, multipurpose halls, at yung security - lahat ng mga pasilidad na nakakapagpasaya ng pamumuhay sa isang komunidad? Oo, handa na silang gamitin kapag handa ka na rin. Walang kailangang hintayin na malinis muna ang naiwang alikabok ng konstruksyon bago ka makapagpahinga ng maayos sa iyong bagong sala.

Kung iniisip mong ipa-renta ang bagong tahanan mo, agad mo nang maeenjoy ang tamis na kita sa matatanggap na upa sa iyong unit. Wala ka nang hihintayin pa dito – puwede kang makahanap ng mga tenant kaagad at gawing negosyo ang iyong property. 

So, kung ikaw ay naghahanap ng bagong malilipatan agad, whether ito ay para sa pagrelocate dahil sa trabaho, o nais mong magsimula ng iyong pamilya, o di kaya ay gusto nang itigil ang pangungupahan sa apartment, RFO Units ang iyong magiging best friend! 

Sa BellaVita, may RFO units na available na Sakto Sa’yo! Matatagpuan ang BellaVita RFO Units sa iba’t ibang lugar sa Pilipinas gaya ng sa Lian, Lipa, San Pablo, Pila, Rosario, at iba pa. Para sa mga dagdag na impormasyon, bisitahin lamang ang BellaVita Facebook Page. 

Things to Consider Before Buying a House

 

What's next after marriage aside from starting a family? 

Do we stay at home with our parents or in-laws and face the stigma of never branching out on our own? Or do we move out and enter the financially daunting world of the unaffordable housing market? These are two equally difficult choices each adult is about to take once he or she decides to get married.

Imagine being newly married and ready to start a new chapter with your spouse. You must've lived at your home all your life and you're excited by the prospect of having to move out of your parents' house (the holy bible teaches us to leave and cleave), be on our own, and say hello to your newfound independence.

But before you collect your things, pack your boxes, prepare your luggage and say adieu to your family, have you ever asked yourself, "How sure are you that you're financially ready to move out?" "Are you ready to buy your first house?" Of course, buying your first house is a joint venture with your spouse shortly before or after your wedding day. It is an exciting time for most people and we're pretty sure you are eager to start new lives together as a couple.

I would sometimes blame the Filipinos' closely-knit families and the country's housing unaffordability because it has kept me and my mom in her parents' rent-free shelter for years. But now that I'm married, life has taught me that moving out is a measure of maturity and adulthood. Before deciding to move out, you should carefully review your income and financial situation to determine if you can afford to do so. Moving out means having to locate and pay for a suitable house. This could be a major issue for you and your spouse if you have not talked about this ideally before your wedding.

Purple Plum Fairy with husband Jason during their wedding in December 2020

When I got married last December of 2020, this issue has been playing in my head constantly. At the time, I had just gotten married but I can't help but feel conflicted over the idea of being married yet having to move out of the house I've lived in and considered my only home since I was born. That's when I soon realized that being married indeed comes with extra challenges you had to deal with together. You had to juggle two people's credit history and all the paperwork multiplies. If marriage and a new dream home are on the horizon, it's important to do your research, study well, and ask the right mortgage questions before your planning. Whether you're currently planning your wedding or you've already exchanged "I do's" like me, I've come up with helpful tips for house-hunting newlyweds. 

It's completely normal to be cautious when you're shopping for a home. A house is a good property investment and you need to make sure that you're making the best decision possible. How will you know that you've found the right one? I suppose it's like finding the right guy. It varies on a case-to-case basis. Some people know they've found the right property by their gut instincts. Others may need a little more time convincing. But some indicators will tell you that you've found the right property for you. Check out this list I've made to somehow help you out:

You envision yourself happily living there with your family

You need to ask yourself if you truly see yourself living at the said property with your family. The property might not necessarily have every amenity that you desire but for as long as it meets the basic requirements, it's alright. It has the number of rooms and space you need. It may not have a garage but then you realize it could be more flexible if you want to expand for an extra room, a garden, or your future kids' play area. 

Check your credit

Check with your bank or with Pag-ibig fund if you and your spouse do qualify to successfully get a loan. You may choose a fairly low house. But if you want a better deal or a nicer house, then only trust well-known companies like Lumina Homes where you could get exactly what you're paying for in terms of quality, service, and standards. You also have to make sure that bills are paid on time to lower your debt utilization ratio, double-check and report if there are mistakes on it. 

Pay off all your debts before buying a house

Banks might get apprehensive about approving your housing loans for people who are already deep in debt because it seems less likely that they'd be delinquent when it comes to payment. When you apply for a mortgage, they will look at your total debt compared to your income and you might not qualify. Take into account your personal loans, car loans, and anything else that you owe money on.  The less debt you have, the better mortgage you qualify for. 

Part of starting a family is building a place you could call home.

Save up for your dream house

Most of the time, people buy on impulse even under budget when they buy their first home. Little did they know they are up for a dilemma of financial issues later.  considering all the expenses. Down payments and reservation fees, moving-in fees aren't obvious enough. But in reality, there is a myriad of other expenses that come out to play when you buy your first house. 

Budget Effectively

There's nothing wrong with knowing the difference between needs and wants. There is a thin line that separates the two and if you aren't careful, you might not be ready yet to settle down. It's one thing to save money and it's another to do so in an effective manner. Saving money for the new house may take some time under the best circumstances. Please try your best to live within your means to be able to budget efficiently.

Cliché as it may sound but buying a house also entails some sacrifice especially if you're used to indulging yourself. But remember, it is better to budget hard for a shorter period than to slack and you lose the opportunity to buy yourself some property—a house you could call your own—from your sweat, blood, and tears.

Bear in mind that when saving money, it is equally important to set a goal, separating your savings account from checking, logging in your progress, and identifying what to do away and cut among unnecessary expenses. 

Find the right agent

Your real estate agent should be able to answer all your queries and explain to you even the smallest detail. He or she has to be someone you're comfortable being with. Your real estate agent has to be able to guide you and assist you well. Don't be shy about asking questions. This is the person who's going to make your dream house a reality so you can be as picky as you need to be. Most agents know some promos where you can get discounts or freebies. They won't advertise it, so just ask! They'll be happy to negotiate in rebate or promo for you if they can. 

Know exactly what it is that you're looking for

House hunting can be pretty overwhelming. Don't let it become even more intimidating by rushing in blind. I know exactly how it feels as I've been to several tripping before. I even had a friend who after seeing a model house, she decided to buy a unit right away without studying first if it was right for her. Later she realized she bought the house on impulse and complained she bought a bare-type of unit rather than the one exactly like the model house that she fell in love with.

I suggest you sit down with your spouse and make a list of what you're looking for in a house. It's best to indicate which ones are your "must-haves" from your "desires." Then you can start comparing what you want in a house against each other and determine which neighborhoods to look in. Tell them to your real estate agent so that they can better direct you with your search.

The 360-degree virtual tour of Lumina Homes

One perfect example where you can discover and explore affordable yet high-quality properties is the ones made by Lumina Homes. They are available in various key locations across the country and their prices vary depending on their location. The best part? You can go on a virtual tour and see the units through their Lumina Showcase Area 360-degree virtual tour or model unit house tour right where you are, and in your own free time. While you’re at it, you may want to check out their property listings. 

Lumina Townhouse in Tanza, Cavite

Lumina Homes is a prime real estate developer in the Philippines taking pride in its legacy projects of building affordable homes for every Filipino household. You can even make a reservation from any device and conveniently pay your premiums via cashless payment online. Their reservation e-vouchers can also be availed via Shopee and Lazada. You can be assured that you're safe and in good hands with Lumina Homes because it’s recognized as Pag-IBIG Fund’s Top developer in 2019 for nothing. 

Lumina Bacolod Rowhouses

I'm saying it again, don't rush. It's okay to take your time.

There might be a sense of urgency that usually surrounds couples during their wedding year. You may feel pressured to have a house immediately after the wedding, but do not stress yourselves. Picking the wrong house is not a mistake easily remedied. Take your own sweet time and make sure you're getting a house in the neighborhood that you want to live in.

You may start by renting a house as you save up for your dream house. And don't let anyone tell you that you should have a home by a certain date. You'll know you have found the right place, so just be patient and persistent. 

I hope the above-given tips may help you prepare for your newlywed house hunting! Good luck & best wishes!

Money Tricks for the Homemaker

Frugality is not a bad word and so does being kuripot. It’s all about sensible spending and cutting down  on luho (luxury).  To ride out the tough times, squeeze that peso until Dr. Jose Rizal squeals.

So how exactly should we handle our money? Here’s a simple guide to your financial happiness. According to financial experts, only 10 percent should go to our WANTS (which includes travel, gadgets, clothes, etc.), 10 percent goes to EDUCATION (training, seminar, workshops), 10 percent goes to ASSURANCE FUND (Safety fund, HMO, Health fund), 10 percent goes to LIFESTYLE FUND (luxury living, cinema, spa), 10 percent must go to TITHES (church, charity, donations), 40 percent must go to HOME (Necessities, Food, Transpo, Bills) and another 10 percent is for YUMMY (young millionaire investments and business.).

Note: Percentage shown in each purposed are just examples, you may change it base on what you need and what you want. Just make sure that the total percentage is 100%. 

We have to pay our monthly bills before it's due date

The sad part is that in terms of financial priorities, 52 percent of young families place expenses such as cable and cellphone bills ahead of buying life insurance. Think about what matters most. 

Money Lessons I learned as an Adult

Navigating the world of personal finance can be overwhelming, even for an adult who has quite a bit of experience in the working world. With some smart planning, a good strategy and understanding of the basics you should be able to develop the money-management skills you need to get your finances under control. Handling money is a lot different when you were twenty and single, and when you’ve suddenly become a mom (because I was given the challenge of responsibility in raising my nephew at an early age). Here are a few things I learned about money that I believe are valuable, as well as some fundamental truths of personal finance that everyone should be aware of.

Saving a portion of your paycheck each month will have a big payoff in the future. 

Having your own savings will make you feel more secure, knowing that you have a fund that will tide you over in cases of emergency. Ëver since I was kid, I was always taught by my parents to save portion of everything, however small amount. When I started working, I became more frugal with my spending and opted to save most of my salary (they say ideally, it should be at least 80 percent) for those “rainy days.” If you can’t save that much, at least set aside around twenty percent, and make sure to transfer it into separate bank accounts to prevent yourself from accidentally spending your savings. 

 It’s perfectly okay to want to nice things so long as you can afford it.

As you move up the corporate ladder, your salary also increases. So there’s nothing wrong if you want to dine out, do a little shopping or reward yourself for a job well done. Ï give in to my indulgences on an as-needed basis. I enjoy a few quality and luxury experiences and items once in a while, but nothing too decadent, too often. When you become a mom, these rewards also change in kind, like get-togethers and trips with the family or a date night with hubby (if you're already married). 

Investing early is more advantageous because you have more control over your cash flow. 

If you start investing in your twenties, your cash will grow through the power of compounding, and the earlier you start, the more years you’ll have to generate earnings. Make your money work for you as soon as you can and as often as you can because you’ll enjoy the much needed dividend payoffs when you become a mom, when your time is limited and when your appetite for risk is far less.

MATTEO GUIDICELLI AND SUN LIFE LAUNCH VLOG ON INVESTING

Press release:

Actor Matteo Guidicelli, in cooperation with Sun Life Asset Management Company, Inc. (SLAMCI), will be launching a series of vlogs (Video Blogs), which aims to teach Filipinos about how investing can help make their #LifeGoals come true. 

Dubbed “Make It Mutual”, the vlogs will tackle topics relevant to personal finance, such as growing one’s money, beating inflation and investing regularly. To make it easy for the viewer to relate these to real life, the modules shall be demonstrated in themes familiar to them, like fashion and fitness, among others. 

All videos will be shared via social media to make it really accessible. 

“I’m thankful for the opportunity to lead another financial literacy campaign for SLAMCI. It’s definitely relevant and timely,” Mateo said. “I myself have life goals i’d like to pursue, and i’m happy to share that ever since i ‘made it mutual’ with SLAMCI, I’ve been well on my way to achieving all those goals. It would be great if more Filipinos can experience the same”.

Avida Towers Altura Tower 2: Experience the best of Southern living

Avida Towers Altura Tower 2

I've always been a 'Northern' girl, meaning to say that I live somewhere North. I've had friends who were able to experience living in the Southern part of Metro Manila and they all claim that living way up South is one of the best decisions they had ever made. So what is it about Southern living that lures people to pack their bags and relocate in the South? They say that southern living is more cool and relaxed as compared to the North. This is how Avida Land envisions Avida Towers Altura Tower 2 would be. The sequel to high-rise residential development within the South Park District, it perfectly captures the essence of Southern living. 

Lancris Residences Condominium in Paranaque: Perfect Home for Every Filipino Family

Lancris Residences

Most Filipinos dream of having their own home. Unfortunately, not everyone perseveres in order for that dream to turn into reality. Thus, many of us would often resort to renting out their homes. But wouldn’t it be nice to pay your monthly dues with the thought that eventually your home would eventually become your property? Lancris Residences helps every Filipino family to make your dream come true. A modern mid-rise condominium built in the suburbs of Paranaque, it is a condominium within a subdivision.

Bloggers Get A Glimpse of Crown Asia's Pine Suites Tagaytay and ValenzaPhase 3

I once read that success is pretty empty when you have nobody to share it with. Generally speaking, for most Filipinos it is our family that makes us happy and complete. So it is but fitting that we provide them with a comfortable life including a place where they could just be themselves, relax, commune with nature and to simply enjoy life. Pine Suites Tagaytay is such a perfect place to invest in, live or reshape your idea of a weekend getaway. Nestled along the highest elevations of Tagaytay lies another leisure residential development from Crown Asia called Pine Suites Tagaytay--a premier residential that speaks of exclusivity and luxury. Where stunning views and a breezy cold climate come together to redefine mountain resort living.