Buy and sell government backed investments like RTB 32 with just a few taps on GCash
High-return, low-risk investments don’t come around every day, so it’s best to strike when the opportunity presents itself. The Bureau of the Treasury recently released the 32
While its primary offer period has officially ended, the good news is that you didn’t miss out. RTB 32 is actively available in the secondary market to directly trade GBonds on GCash. Standard transaction and convenience fees apply now, but the 6.875 percent gross yield makes it still a compelling option for building long-term wealth.
If you believe the financial jargon, think of RTB like this: the government needs funds for national development. They borrow from you and are obligated to return your capital, plus guaranteed interest, at maturity.
WHY RTBS ARE STILL WORTH A LOOK
Your capital will be returned at maturity. Investing can feel daunting because of the unpredictable ups and downs of the market. Stock prices and fund returns move with the market, but RTBs work differently. The rate is fixed when you buy, which means you get guaranteed returns without having to stay up at night to check the market, as long as you hold the bond until maturity. RTB 32 has a 2.5-year term, maturing on April 12, 2029. Hold it until then, and you’ll get your full principal back, plus your guaranteed income.
You can go out when life happens. Unlike traditional time deposits or other government-supported voluntary savings programs such as MP2, which strictly lock your funds or penalize early withdrawals, trading RTB 32 on the secondary market means liquidity. If you need funds before the 2.5-year maturity, you can sell or cash out RTB 32 via GBonds. Just remember that you are selling at the prevailing market price, which may be higher or lower than what you paid, and standard convenience and transaction fees apply.
You will receive interest every quarter. Unlike fixed income products that pay out at the end of the term, RTBs provide interest payments every quarter during the term of the bond. You can choose to reinvest these returns, add them to your savings or use them for other financial goals.
You don’t have to stress about losing your investment. RTBs are securities issued directly by the Philippine government, which means that the government is legally obligated to return your principal with your interest. This makes RTBs a relatively low-risk way to grow your money. For Filipinos who want to diversify their portfolio through savings accounts, government bonds can provide another way to put their money to work while earning fixed interest.
You don’t need a massive amount to invest. RTBs are designed to be affordable to everyday Filipinos, without the need for large capital and complex paperwork. With RTB 32 on GBonds, you can start with a minimum of PHP5,000.
Buy and sell RTB 32 VIA GBONDS ON GCASH
GCash users can buy and sell RTBs on their GCash app via GBonds, a marketplace that allows users to invest in government bonds with free top-ups and redemptions and standard fees for buying or selling bonds.
Getting started and buying your first bond is easy:
- Register by going to the Invest tab on the GCash dashboard, selecting the GBonds icon, and answering the Risk Profile Questionnaire. Approval will take one business day.
- Once approved, tap “Top Up” on your GBonds dashboard, enter your desired amount, which includes the minimum investment and fees, and confirm.
- To buy an RTB, select the desired RTB, click Buy, enter your total investment amount and fees and confirm your order to buy your bond immediately.
HOW TO INVEST
To invest via GBonds you must be:
- A fully verified GCash user aged 18 or older
- Have a verified email address
- Updated on your KYC profile (within last 3 years)
- Not a US resident or citizen
Growing your wealth doesn’t have to mean taking big risks, especially when rare opportunities for high-quality, guaranteed income are on the table. Take on your financial goals today by locking in your guaranteed quarterly income, and let your money do the hard work for you.