Buy term, invest the difference, or commonly known as BTID, is an investment strategy. The idea is buy term insurance instead of getting whole life or variable (VUL) policies, and the money left in goes to investments like mutual funds, stocks, unit investment trust fund (UITF), MP2 (of the Home Development Mutual Fund or Pag-IBIG Fund), business, real estate, among others.
To illustrate BTID, if you have P5,000 monthly budget for insurance and investment, allocate P1,000 to P2,000 to your insurance, and the remaining fund goes to investment or business.
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