Question: I am ready to invest in financial securities for a better future. Which investment, given today’s pandemic, is the best that I should buy? Asked at “Ask a Friend, Ask Efren” free service at www.personalfinance.ph, SMS, Viber, Twitter, LinkedIn, WhatsApp, Instagram and Facebook

Answer: Whoa, hold your horses.I am always asked the question of which investment is a good one when, in fact, all legitimate investments are good. When I say legitimate, I am excluding the scams.

Think of it as shopping for a car. Let’s say you have narrowed down your choice to two with almost identical exterior and interior features. The advantage of one model in one feature will be offset by the advantage of the other model in a different feature. It’s confusing. But you have one more category to look at and that’s the engine performance.

While both cars have the same sized engine, if efficiency is what you are after, you will go for the car that can…

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