Missed the Primary Market Window?

Why You Should Still Consider Investing in RTBs via GBonds

Buy and sell guaranteed, low-risk investments like RTB32 with just a few taps on GCash

High-yielding, low-risk investments don’t pop up every day, so it’s best to strike when the opportunity presents itself. The Bureau of the Treasury recently issued the 32nd tranche of Retail Treasury Bonds (RTB 32), offering a rare opportunity to secure a 6.875% p.a. gross yield directly backed by the government.

While its primary offer period has officially concluded, the good news is you haven't missed out. RTB 32 is actively available in the secondary market for trading directly through GBonds on GCash. Standard transaction and convenience fees now apply, but the 6.875% p.a. gross yield still makes it a compelling option for building long-term wealth.

If financial jargon makes your eyes glaze over, think of RTBs this way: the government needs funds for national development. They borrow from you and are obligated to give your capital back, plus guaranteed interest, at maturity.

Here are the reasons why investing in RTBs remains an investment worth looking into:

You’ll surely get your money back (until the maturity date)

Investing can feel daunting because of the market's unpredictable ups and downs. Stock prices and fund returns move with the market, but RTBs work differently. Its rate is fixed when you buy, which means you get guaranteed returns without staying up at night checking the market, as long as you hold it until the maturity date.

RTB 32 has a 2.5-year term, maturing on April 12, 2029. Hold it until then, and you get your full capital back, plus your guaranteed earnings. 

You can exit when life happens

Unlike traditional time deposits or other government-backed voluntary savings programs like MP2, which strictly lock up your funds or penalize early withdrawals, trading RTB32 on the secondary market means liquidity. If you need funds before the 2.5-year maturity, you can sell or cash out RTB32 via GBonds. Just keep in mind that you'll sell at the prevailing market price, which may be higher or lower than what you paid — and standard convenience and transaction fees will apply. 

You receive interest every quarter

Unlike fixed-income products that pay out at the end of the term, RTBs provide interest payments every quarter throughout the bond’s term. You can choose to reinvest those returns, add them to your savings, or use them for other financial goals.

No need to stress over losing your investment

RTBs are securities issued directly by the Philippine government, which means the state is legally obligated to return your principal along with your interest. This makes RTBs a relatively low-risk way to grow your money. For Filipinos looking to diversify their portfolio beyond savings accounts, government securities 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 for everyday Filipinos – without the need for large capital and complex paperwork. With RTB 32 on GBonds, you can start with a minimum of ₱5,000.

Buy and Sell RTB32 via GBonds on GCash

GCash users can buy and sell RTBs on their GCash app through GBonds, a marketplace that allows users to invest in government bonds with FREE top-ups and withdrawals and standard fees for buying or selling bonds. 

Getting started and purchasing your first bond is easy. First, register by heading to the Invest tab on the GCash dashboard, selecting the GBonds icon, and answering the Risk Profile Questionnaire. Approval will take one (1) business day. 

Once approved, tap ‘Top Up’ on your GBonds dashboard, enter your desired amount, which includes the minimum investment and fees, and confirm. Finally, 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 instantly.

To invest via GBonds, you must be a fully verified GCash user aged 18 or older with a verified email address, an updated KYC profile (within the past 3 years), and not a US resident or citizen.

Growing your wealth doesn't have to mean taking big risks, especially when rare opportunities for high-yielding, guaranteed earnings are on the table. Take charge of your financial goals today by locking in your guaranteed quarterly earnings—and let your money do the hard work for you.

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