Top 5 Investment Opportunities for 2021

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Finally – 2020 is over! However, the remnants of 2020 still haunt us today. Luckily, 2020 was productive for me despite the pandemic. I was able to capitalize on businesses and other projects with strong potential during the pandemic. This year, it is even more exciting. There’s a lot of opportunities in store for most of us. In this article, I will share with you what I think are the best investment opportunities for 2021. I have invested in some of these already while other investments will be new to me.

Disclaimer: This article is not a recommendation to invest in these opportunities. This article was written to give you investment ideas for 2021. We urge you to study this carefully before you invest in any of these.

Bitcoin and Other Cryptocurrencies

Last year, bitcoin’s price went as low as 5,000 USD. If you invested in bitcoin last year when it was still below 10,000 USD, you must be very lucky! Bitcoins price as of the time of this writing is above 30,000 USD. That is already a 600% return on investment if you bought bitcoin at 5,000 USD. While it is true that bitcoin is too expensive at its current price. I still believe it has a long way to go. My prediction is that bitcoin can reach 40,000 USD within the next 2 to 3 years (maybe even in the next few months). In my previous article, I’ve explained why I invested in bitcoin and why I think its price can still go up. If you are not looking for quick gains – bitcoin and other cryptocurrencies may be worth your time and money. You can invest in bitcoin for as low as 5000 Pesos. I used etoro.com to buy bitcoins and other cryptocurrencies. There are many ways to invest in bitcoin and etoro.com is just one of the many ways.

Toktok Express Franchise

Delivery services have been in demand even before the pandemic. When the pandemic started, more and more people started to use express courier apps like GrabExpress, JoyRide, and Lalamove. However, these companies do not offer a way for us to capitalize on this huge market. Lucky for us now, the Toktok Express franchise allows us to have our own courier business without even buying a motorcycle. Their franchisee is called Toktok Operator and as an operator, you need to recruit riders so that you can earn a commission from it. As a franchisee, you can hire up to 100 riders and you’ll earn a 7% commission for each transaction that your rider will be able to complete.

Sample Computation: Let’s assume you have 40 riders who earn 1,500 per day.
Commission in 1 day = 40 riders x 1,500 pesos x 0.07 commission = 4,200 Pesos per day (126,000 Pesos per month)

If you are interested to sign up as a franchisee, here’s the link to the application form.

Stock Market – Apple Shares

Investing in Apple shares is more of a speculative play for me. I would invest only a little over 5% of my total cash here. According to sources, Apple is planning to make an electric car by 2024. Electric cars are the latest innovations these days. There’s a lot of room for growth and this business still has a lot of potentials. Following the success of Apple’s mobile phones and computers, it won’t be a surprise to me if these electric cars will be a big hit for Apple. Apple is also one of Warren Buffet’s stock picks which tells you that the business is really strong.

Lending Business

Last year, a friend of mine invested 400,000 pesos for lending money to different start-ups. The interest amounts to 100,000 in just two years. That is 25% of what she invested. This year, I have a strong reason to believe that this lending business can still grow despite the pandemic being almost over (hopefully). The pandemic has opened the eyes of many Filipinos and we Pinoys are more aware that there are many money-making opportunities out there waiting for us. The problem is, most of us don’t have the necessary fund to start a business. This is where a lending business comes in. By offering money to potential business owners, you can get a quick profit out of the money that you’ll be investing.

IMPORTANT: Based on my friend’s experience, 9 out of 10 borrowers are good payers while the other 1 won’t even pay a dime. To minimize risk, the trick here is to distribute your money evenly to 10 different borrowers. If you have 100,000 pesos, you can lend a maximum of 10,000 Pesos per client.


In all my investments, this one is my personal favorite – not because the returns are quick but because this is one way for me to share with the world what I’ve learned. The BONUS part is, I earn from it. By blogging, you can display ads on your website and make money by sending traffic to your website. If you are interested in blogging, feel free to read our article about different ways to make money at home. You need at least 3,000 to 4,500 Pesos to start a blog. You will need to buy a web host, a domain name, and SSL. The income in blogging may vary depending on the amount of traffic that your website is getting. In my case, I earn an average of 5 USD per 1,000 website visitors.

If you still don’t know where to invest your hard-earned money, here are other ways to earn money that you can try this year. We’ve written several articles that you might be interested in. Here are some to name a few:

  1. How to be a financial advisor
  2. Non-essential items that are worth selling
  3. How to Earn from Vlogging (video blog)


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