Ultimate Guide on How to Invest Stocks in the Philippines

Many readers requested an easy and complete guide on how to invest, buy, sell and trade stocks in the Philippines so I am sharing this page for all of you. I recommend you read this post completely, if not you can leave right now and be on Facebook perhaps and make Mark Zuckerberg richer. If you proceed, congrats because you now have one of the major things a good investor must have – willingness to learn.

Who knows after reading all of this, you decide to buy your first stocks of Facebook, or Google or Apple. Yay, that sounds so nice isn’t it? Being a stockholder of those big companies.

buy sell stocks philippines
Trading could give you this money and more…

Truth is you can but I suggest you start from your dear home, the Philippines. Invest stocks in the Philippines. Because it’s where you live and you are familiar with the companies already. You can easily monitor what’s going on with the economy. Just jump the boat of international trading once you learned the ways. Investing is a serious business.

Speaking of the Philippine Stock Market, not everyone knows that it is one of the oldest stock market in Asia Pacific. What does it say about us? It means our country had an active stock exchange even when other countries in Asia were just starting to boom. It means we must be proud of it and take time to participate. It’s here and has been here all along.

Why invest in stocks?

investment stocks computation sample
This is just an illustration of how anyone can earn money investing in stocks. Assuming a growth of 10% per annum

Why should we invest in stocks? Simply because your stock investment could give you bigger return than regular bank products like savings and deposit accounts. Geez, do you know the interest rate for savings account here in the Philippines? It is .10% as of today 2019. Don’t forget they are subject to 20% Withholding Tax.

Technically your stock investment could give you 50% or more in a blink of an eye. Yes, technically it could make anyone a millionaire in a moment especially if his stocks value climbed the Mt. Everest. You know what I mean.

What would I earn from investing in the stock market?

  • Money – it depends upon your investment, the value of the stocks you hold and the value when you sell them. You also earn from cash dividends. Choosing the right company to invest with is vital to earn thousands, hundred thousand, millions or billions.
  • Self-worth – if you became a stockholder, that means you are part of the 1% of the population of Filipinos who participate in the stock market trading. It gives pride and self-confidence too. It also means you are not afraid of risk. Life is short, “if you don’t take risk, you’ll be a wasted soul.”
  • Skills and knowledge – being a stockholder also means you are financially literate. In trading, you’ll learn more about the stock market, the economy status, financial and corporate aspects, top performing companies, profit and loss.
  • You earn a part of a company –if you have stocks of a company, you are part of it. Even if it’s just small amount, technically you can call yourself a stockholder. Stocks are shares of ownership of a corporation. If you became a Major Stockholder, you can be in the corporate or board room. Know what I’m saying?
buy apple stocks philippines

Requirements in Investing Stocks in the Philippines

It doesn’t require you to be rich or poor though it requires you to be wise. Before you invest stocks in the Philippines, you must have these 5 things:

Knowledge – you must have basic knowledge and understanding about the stock market, how things work, how to buy and sell stocks, when is the best time to buy is and sell stocks, what are the top performing companies, what is the latest trend, how is the economy, what is technical analysis, etc. – in short, you must know the Market.

The market is the arena and you need to get to know the arena and the players. Some serious investors attend seminars just to learn more about investing in the stock exchange. There are free seminars offered by brokerage firms and the PSE Academy. If you don’t find seminars in your place, no worries because you can still learn by watching webinars, and reading pages like this in Philpad’s Money section.

Time – how much of your time can you invest with this? In trading, you need to monitor the economy and the business world to know when to buy and sell your stocks. Usually traders have target time when to sell what they hold. Those who can’t monitor the market all the time, they choose to invest periodically and use the Peso Cost Averaging Method instead or just rely on their stock broker’s advice.

Money – you can use your money sleeping in your savings account or you can invest a part of your regular income monthly buying stocks. The minimum amount to open an online trading account is P5000. You can invest that amount or more monthly or periodically if you want.

You, as an investor – are you an aggressive or passive or conservative type of investor? Assess yourself. If you don’t know about yourself, your capacity and ability to take risk, then don’t put your eggs in the basket yet. Are you investing for a long-term or short term?

Risk tolerance – investing in the stock market may sound so scary especially to beginners. Don’t be afraid. Just think of the reasons why rich people become richer… Investing may be risky and may incur profit and loss. You can avoid loss if you focus in investing on the well proven companies which will stay here no matter what. Long term investing using the Peso Cost Averaging method is well proven.

How to invest in the stock market in the Philippines?

If you find yourself ready, then you must:

  • Find a Stock Broker – you must have a stock broker to deal with when you buy and sell stocks. We have the list of Best Stock Brokers in the Philippines here. You can either have one personally or have an online account. Find the list of licensed stock brokers from the PSE by calling them. I recommend doing the second option which is opening an online account from the accredited online trading brokers in the Philippines. Minimum fund is P5000. It is like opening a bank account so the requirements are the same – valid IDs, specimen signature, and the application form they will provide. Once you have an active stock trading account you are a stock investor then and you can start buying your stocks and selling them when you want.
  • Invest – invest in a company that is performing well. If you are very risky, you can surf the waves of the stock market. Different investors have different strategies. You’ll discover yours eventually. There are those who buy in a day and sell the same day. Like I said, as an investor you must have your target time and target stock value. Don’t be too greedy.

I consider it a smart way to use the Peso-Cost-Averaging Method and follow DailyPik’s stocks wherein you buy stocks from a Blue-chip company (top performing company) periodically (eg: monthly) for a continuous time and maintain them for a long-term, like 5 years or more. After that, see how much you gained. 🙂 Read our post about “How to be a Millionaire in the Philippines in 5 Years.”

Top performing companies I recommend to invest with

  • Ayala Land (ALI)
  • Banco de Oro (BDO)
  • Jollibee (JFC)
  • Ayala Corp (AC)
  • SM Investments (SM)
  • SM Prime Holdings (SMPH)

There are more on the list…

*These are well known and well-proven companies but historical standing and data do not guarantee returns*

Secrets of Successful Stock Investing

  • Invest early because time is money.
  • Invest regularly. Investing stocks regularly from a well performing company is proven profitable even if stock prices go up and down.
  • Invest long term. Like I said, time is money. Money and capital yield higher after many years.
  • Diversify your money. Build your wealth by putting your fund to different stock investment wheels like Mutual Fund in Equity and Trust Fund in Equity.
  • Thank God and share your blessings to your loved ones. What is a blessing after all if left unshared.

How to buy and Sell Stocks?

Choosing the online way of trading, buying and selling is so easy. You can buy or sell in your fingertips. You don’t need to call a broker. Just have your active stock trading account online and you can see your portfolio anytime. You can even see financial news and updates, view watchlists and live graphs. You can view your account, see stock quotes, stock positions with current market value. Trading hours starts from 9:30am to 3:30pm Philippine Time. You can withdraw proceeds or fund your account online too if your bank account has an active online banking feature. Online trading account by the way charge nominal fees like commission fees, transaction fees, VAT and other little fees. You’ll know these in the FAQS or Terms of your online broker.

Buying Stocks Online in the Philippines

Remember trading hours in the Philippines starts from 9:30am to 3:30pm. In this screenshot, as an example, I used one of the most reliable and trusted Online Trading platform in the Philippines, COL Financial (formerly known as CitisecOnline). Log in to your account and go over Trade, then tap the Buy button. Assuming you are buying shares of stocks from Jollibee Foods Corporation, type JFC beside stock code and press Quote, Main Board will display details about JFC. Focus on the Main Board and you’ll see columns for Bid and Ask. Bid details are in green, while Ask details are in red. Since you are a buyer, you’ll focus on the Ask section. Ask section displays the stock prices being asked/offered by stocks sellers. You’ll see too how many are selling. In the example, I chose to buy the middle offer (price of 151.10 per share). So type that price on your Oder Details. Type how many shares you want to purchase too. If you are under or over the allowed limit, a tab will appear. Otherwise, you may proceed. Preview your order then confirm to buy.

how to buy stocks using col financial

Selling Stocks Online in the Philippines

On the other hand, you have to select Sell button to sell your stocks. Assuming you have stocks in BDO and you decided to sell them when the price went 30% up, in the screenshot, it’s the same as our example above but this time, focus on the Bid column since they display the buyer’s bid info. Type the number of shares you wish to sell and the price you choose from the bid (usually you’ll choose the highest bid price). Preview your order and confirm it.

sell stocks col financial sample

Read more by going to How to Buy, Sell, Trade Stocks in the Philippine Stocks Exchange and Market

Online Trading Trial for Beginners

Wanna try the online trading? No worries, you can test-drive by just opening a demo account. A trial account is usually valid for 7 days. You can practice trading yourself before the real thing. You can also see the trading platform services and features your Online Broker offers. First, choose which online trading broker you want to use. See the list of online trading brokers accredited by the Philippine Stock Exchange here. All of this websites are secure.

I’ll be posting more investing and trading guides soon. Geez this is already almost 2000 words. So let’s discuss some more topics soon. Congrats for having an interest on how to invest stocks in the Philippines. Cheers!

My Quote for today:

Wise people buy Apple gadgets…wiser people buy Apple shares… wisest people do both.”

Are you ready to learn more about investing? Read our related articles below. Cheers!

© Copyright Fehl Dungo

Fehl is the founder of Philpad and has been writing online for 12 years. She has a bachelor's degree in Accountancy and a background in Finance. She is a licensed Career Service Professional and author of a poetry book at Barnes & Noble. In her spare time, she likes to travel and discover new places.

214 thoughts on “Ultimate Guide on How to Invest Stocks in the Philippines”

  1. Hi! I came across this article wanting to learn how to invest in stock market and I learned a lot reading the article however there is this question that I would like to ask that may seems not mentioned in the article or through the comment section. When investing stock and funding your account after finding the right broker (COL Financial) do I need to immediately bid for companies or just simply hold the money in COL Financial platform? With peso cost averaging method in Investing, do I need to invest with only one company or is it depends as long as I continue to invest monthly?

    • Hi JM 🙂 You don’t need to instantly bid or buys stocks. Juts do it whenever you’re ready. You are in control of everything 🙂

      Regarding PCA method, you can invest in different companies and do the method to each company. Cheers!

  2. Hi, In Selling stocks sample, you mentioned you usually choose the highest bid price. the highest bid price is 86.7 but you chose 86.5. Is it bec of the size? Please explain further. Thank you!

    • Hi Jen 🙂 I always want to execute the trade as quick as possible so I always choose the cheapest price with high volume of bids

  3. THANK YOU ????

    • Hi, Marichu 🙂 Thanks you for finding this guide helpful. Investing in the stock market is exciting as a beginner. Once you are ready, you will definitely learn more from your own experience. Happy trading!

  4. Hi Fehl Dungo, I am Samuel Sarcia a license financial advisor. Can you email me or can I have your email, l have something to discuss with you. Thank you.

  5. Hi Ms Fhel.

    I am interested in investment long term, since I dont have time to buy and sell stocks.. i hope that you can post some articles about long term investments.. Like in the US they have IRAs and 401k or 403b investments. When I say investments you fund or invest your money monthly on a certain stocks through retirement account such as IRAs or 401k and you dont withdraw it until you reach a retirement age. In short you just let you money invested. Do we have these kind of investments in the Philippines. Please send me an email about long term investments in the Phils

    • Hi. You should check out Personal Equity Retirement Account (PERA). It’s like an IRA. Only offered by BPI and BDO so far though. There are also tax incentives since it was started by the government.

      • Hi Alexandra, I am license financial advisor, can we talk ? There is something I want to talk about with you.

  6. Hi, I am fil-american lives outside phil. What the best way to buy stocks in the Philippines online?, any recommendations for a long term investments.
    Thanks, Manny E of Las Vegas

  7. Hi Ms. Fhel,

    I’m studying stock trading online and thankfully, I saw this article. Halos lahat din ng nakita kong samples/tutorials COL financial ginagamit nila, i have concerns in regards to opening an account in COL, First, is there any registration fee? Second, is it like facebook which all you need is to just sign up? no physical appearance or what? I live in Bicol po kasi and wala po ditong COL Financial Office. Lastly po, easy to use po ba sya? hndi po ba hassle? hehe. I hope you can share to me what are the important things I have to know with COL Financial. Thank you in advance! More power to you and God Bless!

    • Hi 🙂 There is no registration fee but you need to fund your account just like a bank account. You can sign up without going to COL Financial but you have to submit the docs required. Follow the post I made in opening an account. COL will schedule a Skype video chat to you so they can verify it’s you. I’ve been using COL for 4 years now and I loved it. For more stock market guides, you can also visit dailypik.com

  8. hi i need your help i just want to ask if i want to invest monthly for a certain company and i will be doing that for 5 years.what to choose for validity in bdo nomura every time i invest. thank you.

  9. Hello,

    I’m a foreigner and would like to trade stocks in Philippines using COL platform. I believe there is lot of potential in trading right now in Philippines.

    Can i as a foreigner trade in Philippines stock markets? I would be coming to Philippines soon and I’m looking into trading while I’m there. Thank You


  10. Hi Geeky babe 🙂

    with your blogs about investing and being playful with to stock market has caught my interest i am a 21 yr. old student. and i am not really knowledgeable about this kind of stuff.. but as i was searching for options how to make money and not letting my student savings go to sleep, i saw this review and it was the same thing as what my cousin told me. that’s why i want to learn how this market works. please post more info im still on the process learning and i would really like to know more about this im planning to invest in the few weeks. hopefully studying your blogs will be enough and i believe very helpful.

    • Hi. Thanks for the visit and congratulations that you are now interested with stocks and investments. Starting young will give you more opportunity and money. I made guides on the site dailypik.com for fellow investors and beginners. See you there!

  11. Practical article . I learned a lot from the analysis . Does someone know if my business could possibly grab a template IRS 706 form to edit ?

  12. Mam Fehl im 20 yr old fresh gra. i.t diba minimum 5k invest sa COL Financial every month poba mag babayad ng 5k? or minsan lng tnx

  13. Hi ms fhel!
    i almost 2years now in investing in the stock market, and im dong PCA peso cost averaging, just lately i just want to figure out how i can compute my average price, let say i buy URC at 175.6 last month and i want to add now 20K pesos, just want to know if how much will be my average price, the current price is 199 pesos. More power to you and god bless!

  14. Hi Ms. Fhel,

    Just want to confirm. If you will sell stocks – you choose in the ask column which is in color red. and when you buy stocks – you choose in the bid column which is in color green. Thank you.

  15. Hello po mam,,I’m planning to invest po.ilan po b share ang pede kung bilhin if sa jolibee po bibili ng share..if 25 k po ang gusto ko invest.

  16. Hi. I just found your website and nakakatuwa kasi i’ve been wanting to invest sa stock market kaso i’m scared na magfail, i’m a student palang at wala masyadong alam but i wanna learn how the stuff works before i start investing, is there anything (aside sa seminars) na pwede kong gamitin as a guide or something like a walkthrough? I’m really sorry, i really don’t know much talaga.

  17. Hi Fehl, Thanks for this information and I enjoy reading it. I just want to confirm, okay bang mag invest kahit na hindi ka residence sa Pinas? Kung sakali mag invest ka, for instance nasa Canada ka, hindi ka kya malulugi sa charges when transferring your investment or sending your money periodically. Gusto ko mag invest for my parents, kung mag papadala ako ng 5k every month, baka yong kita ko sa investment ko mapunta lang sa charges ng money transfer. Any advice po mga guro?

    • Hi Romeo,
      Check mo to Ishare ETF.

      AC AYALA CORP 6.29


      Advise ko if you’re not a residence in Phils mas malaki ma charge syo dahil you will become as a foreign investor mas malaki tax mo once na withdraw muna account mo.
      Yang ETF ng Ishare (index Investing is 0.60 MER napakaliit ng babayran while you can still invest and kung mag open ka ng account sa Questrade
      libre lang ETF transaction nila wala ka babayaran pwede mo lagyan na walang charge sa broker. Avoid the hassle and you can invest on individual company and buy stock naka list to sa NYSE
      like PLDT Philippine Long Distance Telephone (ADR)
      NYSE: PHI – Nov 9 4:02 PM EST,
      GLOBE Globe Telecom Inc + Watchlist GLO:PM PHILIPPINES sa stock market sa Canada,

      Naisip ko na yan dahil nandito din ako sa Canada sana Mam Fehl pwede gawin yung direct investing na hindi na kailngan na broker.
      Meron kaya sa Philippines na pwede mag set up ng direct investing sa company na gusto mag invest. Sana po meron ganto para maiwasan natin magbayad sa broker everytime na mag invest tyo ng pera.
      Kung pupuwede mo sana na paki research po dahil mas marami po matutulungan tyo na kababayan natin dyan sa Philippines.

      Paki check naman po Mam Fehl and let me know kung meron dyan dahil mas madali sana mag invest kahit pakonti konti pera. Mas mapapadali sana kung mga kababayan na mag invest.
      Meron ako na research dyan about Pera Bill mas maliit maging tax ninyo kung maopen kayo dahil
      Tax Exempt Investment Income

      Maraming Salamat and More power to you. God Bless!!!

  18. If I started on COL Starter and my invested money amounted to P25,000.00 , will I automatically be categorized to COL Plus?

    Thanks Ms. Fhel.

  19. HI miss fhel, i just want to ask if where i can find or download the historical figure of the company like the asset and liabilities or the chart, in short the fundamental status of the company, and the past chart 5 or 3 years. Huge tnkxs Fhel! god bless!

    • Hi. You can open your trade account from a broker like COL Financial. You can mail your forms and email will be sent to you once approved or you can apply and fill up forms at any iRemit branch abroad, they are partnered with COL

  20. hi ms. Fehl im 19 yrs. old and a student from Cebu city i was really inspired about your blog and actually i really want to invest in a stock market but the problem is i really dont know how to start and what to do until i read your articles its very informative and gives me ideas about investing.

    i have one question though is there any other way to fund my account in COL Financial without going to PSE in Quezon City to pass the requirement forms?

    tnx btw! 🙂

  21. Hello! Thank you for this blog!! I’ve been reading your posts since I’m interested in the stock market but have no idea how it works. :/ Anyway, I have a question, what does the table heading “size” mean? Is size the same as number of shares?

  22. good day! is it possible to invest in philippine stockmarket even if you are not in the philippines? (ex. ofw)

    • Yes, any individual of legal age, regardless of place of residency is allowed to invest. You can do that by opening an online trade account like COL Financial, BPI Trade, Philstocks etc. See the list of accredited online brokers here in Philpad

      • I just want to expand this question, kung magpapadala po ng pera for investment, hindi po ba malulugi sa charges/fee when sending your money (for example 5K) periodically. Is there a best way or strategy to send your investment or transfer your money for investment? Usually they charge 10 CND maximum of 800 CND.

  23. Hi! ms. fehl,

    I am one of the newbie investor in stockmarket, i just want to know if how important to know the PE ratio in the company , and what is the ideal PE ratio na masasabing mo na mura pa sya, and what is the expensive the expensive PE? tnks and god bless!

    • P/E is actually what you pay for every Peso of a company’s earnings. In short it is the Price of the stock divided by the EPS. If the company is new, PE lower than 15 is good but if the company is already big and well established, you have to consider other quantitative and relative factors

  24. Hi Fel

    I have one question. I already invested -00,000 to col financial and and i have spare cash, I was thinking of investing it to UITF. Which do you think is better. investing it to UITF or invest it all to stocks through COL Financial? Thank you very much

    • Depending on your preference and status. UITF has fund managers so your fund will be handled with expertise but if you invest via COL, you’re in control of everything, you may profit or lose or may earn dividends. You know the answer, which is better for you?

  25. Hello thank u very for ur very helpful articles. Just a question about COLs programs. If i choose the EIP one, i understand they have those preselected companies. But can i also buy stocks from those small companies not listed under that program?

    • I personally use COL Plus so I don’t know if EIP is exclusive only for EIP pre-selected companies. All I know is that you can request an upgrade of account if you wish to upgrade from EIP to COL Plus account

  26. Girl, you really have an exciting articles to read every time I open your site..thumbs up to you!! Did you know that I learned tons of it and finally started my investment on UITF,MUTUAL FUND AND VUL… So far I got 8 investment all in equities and big thanks to you Ms fehl, I got 2 kids aged 11 and 3 and this may sound funny to others but can’t you believe it I already telling them about investing in the future and even discussing stock market to both of them ,my youngest just keep nodding LOL! Seriously thanks a lot. Now I’m thinking of getting my COL but I have to familiarise myself first and do some research coz man this is a serious business for me….keep up the good work and bless you!

    • Hi Yasi. That’s great. You’re giving your kids brighter future. Investments are great. Stocks investments can even make your kid multi-millionaire by age 20 if you start investing in a very good company every month 🙂 Check out our easy guides by going to our STOCKS menu

  27. im not sure if nag post ung recent question ko dito kaya ulitin ko nlang po 🙂
    very informative po ng blog nyo. kaka open ko palang po ng acct sa COL (5k) and im just waiting for their email para sa username and password ko, but im have still question in mind newbie parin kasi ako eh..

    1. sa prog nila na EIP my schedule calendar dun and im planning to set sa 300 or 500 weekly is that possible po ba??

    2. when the time comes of buying a shares diba mag notify sila sakin, so do i need to put an amount kung ilang shares ang bibilhin ko o automatic na sya mag compute sa 300 or 500 amount na sinet ko po.

    3. ano po ang ma advise nyo na quality company na pwede mag invest, ang mahal kasi nung mga nasa top list ehh. ung okay lang sana muna sa budget ko ehh..

    thanks sana maka reply ka .

    • Hi. Premium stocks are around 20 and up per share so that 300-500 budget could only buy few shares. Remember you also pay some fees. I suggest you do monthly schedule instead of weekly to be able to increase your budget around 2000
      2. EIP will follow your budget so it will automatically buy stocks for you using that amount you have set
      3. If you are using EIP, you can only invest using those Premium Companies listed under EIP.

  28. Hi Ms. Fehl please give me some advise po.., Nakakahiya man po dahil maliit lang yung pera ko 25000 ipon ko po yan simula january2015 . gusto ko po malaman kung san mas maganda i invest sa UITF (Security Bank) for 3 years oh mag open nalang po ako ng account sa COL at mag start mag invest sa stock market? tnx po..

    • Hi Vic. As a first investment, I recommend either UITF or Mutual Fund. If you already have any of the 2, then go for stocks directly 🙂 The reasons were discussed on my post about “My First Investment…” under STOCKS Tab

      • Salamat po Ms. Fehl sa advise. Bali meron na po ako investent under VUL sa generali.. at gusto ko po mag try sa iba nmang investment plan katulad po nito. salamat po ulit..

  29. Hi, laking tulong po ng blog nyo.
    I gained more interest in investing sa stocks..
    Question lang po, ung 5k po ba na pang open ng account is dapat ma maintain? or pwde na po ispend pra mapambili ng shares from the big companies.
    Balak ko is whenever my extra money ako eh ifund ko sa account then purchase.

    Thanks po!

  30. Hi Fehl, great and very helpful blog you’ve got here
    I’m also very interesting to invest in stock.
    Not sure if my concern already ask by others here.
    Anyway, what if the investor who invest in stocks thru online broker passed away.
    Who can claim his/her funds?

    Maraming salamat.

    • Hi, John. The stocks will be frozen and they will be part of the estate of the deceased investor which the family can claim. If they are 200,000 or below, they will be exempted from tax. If above 200K, they will be taxed according to the Estate Tax table of the BIR.

  31. hi fehl
    i just saw your blog and can you tell me where or what site can i use the 7 day trial for account or the demo account…

  32. Good day Fehl. Im newbie sa stock and i really appreciate all the information na binibigay mo smin and im very eager to invest na but i have questions na i hope u could answr.

    1. Ask ko lng po kung anu po ba ibig sabihin ng trading??? nabasa ko kc na meron ka na mentioned na active trading at passive trading. Ano po defference nila. Ibig ba sabihin nito ay pag benta ba ng share mo incase na hit na ung target mo na pagtaas na value nito? (please correct me if im wrong).

    2. Can you please give me example kung paano malugi sa trading?

    3. Incase na ibenta ko na share ko for a particular company pde ko ba gamitin ulit ung pera pra bumili ng other share instead na iwithdraw?

    4. Can i upgrade my acount from EIF 5K to COL PLUS 25K?

    my apology if this sounds like a silly question. thanks in advance.

    • Hi. Thank you Byron. These are my simple answers to your Qs:
      1. Trading is buying and selling stuff in order to profit. You can trade cars, gold etc. As to stocks, passive trading is spending little effort to trade in the stock market yet earning money while active is the opposite, putting too much time and effort, monitoring everything, focusing on everything coz you want to earn more and faster.
      2. You’ll lose money when the stocks you bought are worth less than how much you sold them. Ex. You bought 10 stocks of Jollibee last week for P225 but you sold them for P220 today, you lost around P50.
      3. Yes
      4. Yes, but you have to request COL or contact COL for the upgrade

  33. Hi Ms Fehl,

    Just a newbie in stock market but ready and willing to take the risk in stock investing. Though my concern now is the 2 accounts that COL is offering: EIP which is 5k starting and COL Plus with 25k starting.

    I want to open a COL Plus because it gives a more comprehensive analysis and research that will enable me to learn more about the market. But as of now the knowledge that I have is just on a beginner level so I just want to try first the Cost Averaging Method by simply funding my account 25k quarterly. Is it ok na COL plus yung kunin ko kahit ang method ko ay Averaging method muna?

    Another question po ay, since 25k ang needed na amount to open COL Plus. Consumable po ba yung 25k initial deposit?Makakabili na po ba ako ng stocks sa blue chip companies using the initial deposit? Or need ko magfund ulit ng another 25k and dun pa lang ako makakabili?

    Thank you po in advance for answering this questions.

    • Hi Allen. Yes, you can also apply PCA no matter what type your account is. The 25K is your money, you can spend it the way you want. You’re not required to fund 25K every month or quarter. COL is your broker and your COL account is like a wallet you use when you want to buy stocks. It’s your choice when you will add funds to it 🙂 Yes, it’s up to you how and when you consume your money inside your account.

  34. Hello Fehl,

    I’ve been reading your blogs for 2 straight days about UITF and MF and I’ve to give back all the credits to you. I was never really interested in different investments but you’ve changed my point of view. You have reborn me, in that sense! Thank you for being helpful to all of us. I actually thought i’d never send you any questions, since most of them are covered entirely, i reckon i’m wrong. Now, here’s the tricky part (assuming i’ve invested every details below)- I’m looking at
    UITF-PNB- Allied Unit Performance Equity Fund.
    Inception Date: Feb 2007
    Min.Investment: 50,000.00
    NAVpu as of Feb 2007: 1.0000

    As of Feb 2010
    NAVpU: 0.906403
    ROI-YOY%: 6.3612
    ROI-YTD%: -0.1377
    (after 3years, what’s happening here, what are the significance of YOY and YTD?)

    As of Feb 2012
    NAVpU: 1.078621
    ROI-YTD%: 4.1870
    (after 5 years, did i gain much or just an average equity fund?)

    These are actual data from uitf.com.ph. I’ve gathered this to ensure i’m equipped of what will happen should i invest in long term (5years) as majority says, you will gain rather than loss.
    I hope you will extend your patience on me.

    Thank you and I look forward to your response.

    • Hi. YOY is year on year or from the year you’ve set while YTD is year to date or the date set by the system (website) to the current date. YTD is usually a the total yield to the present year (ex: this month for this year). That UITF was under Allied back then. PNB’s UITFs have improved since 2013 because Allied and PNB have merged. New Trust management is very helpful. In that data above, you’ve gained indeed but not much. I consider 20% or higher as impressive returns 🙂

  35. Hello, good day Fehl

    Ask ko lang po, Kung yung ininvest ko ay umabot ng 2 years then yung amount is 200,000, ganun din ba na amount ang marereceive if I sell my share?

    Paano po ba yung process kung pwede bang ma withdraw yung na earn sa stock or need po na ibenta lahat?

    thank you po.

    • Hi. If you stock market value became 200K, you have 2 options: sell them or let them grow even more. In case you want to sell already, then sell them on that day. Your profit will be reflected on your account and if you want to withdraw the funds in your account, submit a withdrawal request at your stockbroker.

  36. Hi Fehl, I have read your entire comments and other’s inquiry with regards to stock. Same like others, I find it very interesting to invest in stock. I calm myself not to take action by investing and yet I am focused on studying it carefully. I have a 5K as a start. and I would like to invest it for a long term. I was confuse when I read one of the question and answer line up here. Do I have to invest 5K every month or just one time and let it grow? Your reply will be highly appreciated.

    Second question is, I was really eager to see the actual situation on how they buy or sell the stock and how people earn in stock, though this couple of weeks I was reading and absorbing all information as much as I can. Can you advise the easiest way for me to see how it works?

    Third is can I refund my money not because I am afraid to take a risk but instead I just want to secure every coins I saved.

    My real concern is to invest my 5K for a long term and grow. Hope my queries are clear and will be waiting for your kind answer. 🙂

    • Hi Arvin. Investing in the stock market requires basic knowledge that is why we made the guides here at Philpad. To see the complete guide, go to the STOCKS tab above. 5K is the usual budget of an average worker, if you have more than that budget, that’s better. Investing is about buying shares of stocks regularly over a period of time. Regularly may mean monthly, quarterly or every other month. It’s up to the investor (like you).

      Refund money? The term is not refund, you can sell your stocks when they reached your Target Profit. Then you withdraw your funds. If your concern is invest for long term, I’m sure you won’t lose any money coz your stocks value will grow if you will really invest for long term.

  37. Hello Ms Fehl,

    You and you’re team in Philpad I should say is a life saver. I was looking for a place in the internet where I could learn about mutual funds, stocks, shares and anything financial and what I bumped into is a treat. The way you present information in a specific manner is outstanding. Not only that, but your site presents the exact businesses in the Philippines itself which is where ambitious Investors like me is most likely going to start doing it. So that is a treat. One can simply be lost looking for information about this business in the internet and most are centered in the US or foreign companies and businesses .

    So I just wanna say Good job and keep up the excellent work, to you and the whole Philpad team. NOt sure but it seems youre earning as well from doing this through ads that I see, so you deserve it.

    Ill continue to read your articles about finance since I just discovered your sweet site.



    • Wow, thank you Russ. I’m glad my site attracts foreign investors to start doing business in the Philippines. 🙂 My team is doing our best to put more posts and updates. Cheers!

  38. Hi, first of all, Im a recent graduate and currently I dont have work yet. So Im planning to invest in stocks while Im still finding job. Actually, i took stock trading course during my college. So thats where ive heard na maganda talaga mag invest dito. Pero Hindi ko masyado naintindihan that time yung stock stock haha and now nagsisisi ako bakit di ako nakinig ng ayos noon. Haha. So basically, I have very minimal knowledge regarding stocks. And now im planning to invest. I need your help po on how to start and stuff. Nabasa ko nga po na kailangan ng brokerage firm to help me in the stock market. Ive read na COL Financial po ang the best, right? And as a recent graduate, I dont have large amount of money in my pocket. Haha. So i will start with 5k investment as well. Can you help me po on how to start and about the basics? It will be a big help. Thank you so much po. And btw, since di ko pa po alam kung kailan ako magkakameron ng salary ko, kailangan po ba talaga magdagdag ng magdagdag every month? 🙂 thank you po!

    • Hi Kyndz. Investing in the stock market needs regular funds. If you don’t have funds coming to you, you won’t have money to buy stocks regularly and you won’t be building money. If you have 5K regularly, every month or every quarter, you can start investing 🙂 You can see the guides here by going to the STOCKS tab

      • Hello again 🙂 Thank you so much for replying to my comment! 🙂 From the blogs that I’ve read, I assume that I would be needing 5k to invest every month, right? Hopefully, I will find a job by next year so investing 5k a month if you have income wouldn’t be a problem right? I really want to start as early as possible. If pwede nga ngayon, I would invest na right now eh. Haha. What would you suggest me to do pa po for beginners? Ive also read that in order to be familiarized, I would create a free trial account in COL (ive also read that COL is the top brokerage firm that is really suggested in this blog hehe) By the way, Im thinking on investing for long term. And since Im a recent graduate, I don’t have the required documents to open a stock account. Any tips from you would be greatly appreciated. Thank you so much 🙂

  39. Good evening! Just like the others I have no any idea about buying and selling stocks, that’s why I’d like to ask if it is ok to just buy and buy stocks and then sell them after let say 5 years. Will I also gain some dividends from the companies where I bought some shares? Let’ s say Jollibee, Ayala Land etc.

  40. Hi i hope you will reply to my mail. What stock is good pick as of now? is BPI broker not good? Newbie here still confused what stocks to buy

  41. Wow this is a good thing to start ., I will continue to read about this, then maybe post questions about things that are not clear to me, thanks for this helpful insight

  42. Hi Miss Lovely Fehl,

    Hope you are well….How do I claim cash dividend from stocks? Will it automatically be added to my account in COL?


    • Hi Richard. Thank you. If there are dividends issued, they will either be in the form of cash or stock and they will be credited in your COL account.To check dividends, go to Quotes then type in Stock Code, then tap Dividends. Then you’ll see the declared dividends and the date when they will be paid.

  43. hello fehl,im investing in MF and UITF same sila in equity yong MF nag lumpsum ako ng 212k tapos yong UITF ko in dollar naman lumpsum ko rin 3,600 usd.sa bpi,ito ba ay diversify or hindi kc same lang sila in equity kaso nga lang peso and dollar lang.so what could you advise to me for a better or best of my investment?i open this investment last august 2014 sa UITF ko.tapos yong MF nito lang sept 30 2014, MF ko sa philippine stock index fund tapos yong dollar ko sa global fund of funds naman.

    • I’ve already answered your comment from another page 🙂 Like I said, ALFM Funds have been doing great. What I can suggest now is keep your funds and start to invest in the stock market directly 🙂 Complete this pack: MF + UITF + Stock Market

      • miss fehl, mahirapan ako mag manage kung mag direct ako sa stock market kc po nasa seabase po kc ang work hindi ko masyado ma monitor at ma analize about sa takbo ng ecomomy natin,pro kung buy and hold lang cguro mas ok pa,pro hindi ba ako malugi sa expences since may MF na ako at UITF? pareho pa naman nasa equity ako, kung babagsak ang economy maapiktohan lahat cguro ng investment ko,ok lang ba yon kung tatlo kc may mga fees pa eh,at sa nature ng work ko pwedi ba ako at madali lang ba?pinag-aralan ko na yong stocks kung mag direct ako hindi ko maasikaso yong halimbawa e sell ko na kc 6mos.pa ako bago makauwi hindi ko ma compound yong pera.

        • Follow your long term plan and don’t be emotionally affected by the economic situation. If you are investing with the giant companies and our stocks picks, you have nothing to worry.

  44. Hi fehl! Thanks for this. I’m a newbie. I’m planning to buy JGS, SMPH and EDC for long term. Ok ba sila?

    Sana you’ll start an egroup for timely tips and I’ll surely subscribe.

    Thanks, fehl!

  45. hi fehl,
    thanks for the post very informative! am new to stocks and just send my 1st funding to COL and i am actually confused what company to buy, if you could give me advise i would be very grateful.. would you recommend Truly rich club for me or i do the crawl-to-standing by my self… tnx

    • Hi! Thank you for dropping by! It’s normal to be confused because the stock market is really confusing. Honestly, it took me 3 months before I opened my first broker account and start buying stocks LOL Coz I was reading lots and studying about it. I knew it was a serious business so I had to study and get to know about it before getting really involved with it. TRC is a great club and it will be easier especially for a beginner what stocks to buy and sell but it’s kinda pricey. P497/month is costly but I guess it pays back in the end. I’m still a member of TRC and to be honest, I share the stock picks with my personal friends so they wont pay monthly dues anymore. LOL

  46. Hi Fel,
    I just open a COL account. can you recommend any stock which is good to apply in EIP scheduler. I am planning 20K every month and that will be my long term investment. And siguro 2 more stocks pero babantayan ko kung kelan mababa ang price saka ako bilbili. 3 all in sa portfolio?thanks.

    • If you have EIP in COL, there are already available stock pick companies for you that are proven good performing. I think there are more than 16. To discuss it further, I will be making a new post about it here in Philpad. 🙂 In the mean time, my faves are Jollibee (since food is a great necessity, this industry will grow and grow) and BDO (since it’s the number 1 bank in the Phil.

    • My pleasure Yce. Yes, I will put up about Technical Analysis soon. I want to attend a seminar before I discuss more about technical analysis although I already have studied about it.Come back here in a few days, I will publish the post 🙂

  47. No other ‘services’ you can recomend which I can compare to each other? I am wondering if you are actually a COL shill gal, kidding 🙂
    I guess this (EIP) is something I’ll have to read again first 😉 Thanks Fel. Will be watching for more tips here 🙂

    • I can’t compare other brokers since I’m only familiar with the current one (COL). But if you asked me what would I choose after COL, I’d choose Philstocks.ph. It’s getting my attention these days honestly. Boy I wish I’ve got my hands on all the brokers platforms so I could compare. 🙂 If I got my hands on Philstocks, I’d share them more here soon. Cheers!

  48. hi Fehl!

    Just to clarify. For example bumili ako ng Stock ngayon. Next week bumababa yung price or value nung stock ko tapos naghintay ako after one month, mas tumaas naman yung value or price ng stock ko higher sa original price na nilabas ko. Ngayon, pwede bang hintayin ko muna until tumaas ung price nung binili kong stock saka ko sya ibebenta or profit?

    • Yes, you must sell the stock when the price per share is higher. You are in control of it. You can sell it many years from now. It could have grown in value multiple times then. I will give more stock market posts soon. I just have a lot going on these days.

  49. Hi Fel, and to all subribed here 🙂 I am interested with this stocks thing and I like to begin learning the basics. First I’d like to ask is what are the best discount online brokers here in the country that you can recommend? I would start with small amount to test the waters first, say, the least minimum required to be able to start buying shares, what are those with quality stocks that accepts small amount, one-time investment that wont ding you for a monthly ‘contribution’?
    I’d like to know of your experiences guys, please drop me some tips and whatnot regarding your ‘firsts’ in the reply 🙂

    • Hi there! Col Financial has a feature called EIP (Easy Investment Plan) wherein you can start at 5000. I recommend it because you will not only learn as a beginner, you will also earn with your investment. With EIP, COL already have lists of available companies you can invest with periodically. Those companies are already proven with great performance so your shares would surely appreciate in value in the long run

  50. Hi Fehl,

    Tanong ko lang. In every 5k na iinvest mo per month. Kelangan ba na isang blue chip company lang? or you can choose other blue chip company. For example this month sa Ayala ako, tapos next month sa Jolibee naman and so on.. Pwede bang ganito? or you have to focus on 1 company only for 10 years?

    Thank you.

    • Yes, you can choose another company. You have a free will where you want to invest 🙂 It’s always better to invest in different well performing company. Evan Warren Buffett says, “don’t put all eggs in one basket”

  51. Hi Fehl!

    Just want to ask meron po bang program or financial coaches na nagoofer ng Stock Trading or Investment management? yung reliable and has a good or successful backround?


    • Yes, some brokers offer free seminar (for members) and those seminars are very helpful in trading. They also share strategies and tips. As to managed investment, big banks and investment companies also offer them. Just browse over their available investment products and look for Asset or Investment Management Services, MAS etc. Some though are offered to high networth individuals or companies.

  52. Hi Fehl,

    Do you recommend to subscribe to TRC for regular stock updates? Do COL not provide require updates for their investors?



    • Truly Rich Club gives updates and signs as to when to buy or sell shares and strategic investing tips. I think it’s helpful especially for beginners but in my personal opinion, it’s kinda controlling. Stocks goes up and down and every investor will eventually learn the waves of the stock market in time. If you let something to give you sign and follow it always, you are practicing their strategies, not your own strategy and skills, thus you are not really learning. I’m not against it but I just like freedom and learning my own way. COL actually have list of blue-chip and well performing companies already where you can already invest and earn money. Just apply PCA and you will be happy 🙂 TRC recommends PCA too right? They call it SAM?

      • Hi Fehl,

        Thanks for your valuable reply, appreciate it. I am not really sure if PCA is actually the same as SAM. I am also new to investing and still learning the ropes.:)

      • This comment of yours really helped me decide on whether to join TRC or not. (well aside from your article — which i MUST say, is really informative, you are not trying to promote some club/organization or what, just pure knowledge!)

        You’re awesome!!! I’ll be following this site from now on!
        I hope God would bless you even more for helping a lot of people, for sharing your knowledge without thinking of personal gain..

        Thank you very much!

  53. hello miss fehl!…

    – i am now ready po na pumasok sa stock..and im planning to choose colfinancial as my broker..
    may tanong po ako kung paano mag apply as online application kasi po nakita ko may note sila “Please note that COL Financial shall NOT accept documents/packages sent by the company EMS”..
    Gusto ko po sana malinawagan..

    ang laking tulong po talaga ng blog mo!
    godbless and more power!

  54. ms. fehl ang ganda po ng information na shenishare mo po.. ahm ask lang po.. what if po..
    “i’ll buy stocks now and sell it kinabukasan or in the next day for some personal reasons.. mababawasan po ba
    ung credibilidad ko as an investor.. ung tepong “i’ll invest because i want to gain and i’ll make sure i’ll gain” .. para pong seguristang investor po..

    • Hi there! Thank you for the nice comment here. Actually, there are investors like that, who buy today and sell the next day. There are even some who buy now and sell after few hours. It’s a personal style or strategy in trading and there is really nothing wrong with that. Everyone wants to gain in the stock market. I don’t know anyone who wants to lose 🙂

  55. What would you consider the top three best performing blue chip companies? I’m still a newbie and a long term investor type po kasi.

      • Thanks Ms. Fehl! It has been said not to put all the eggs in the same basket. With that statement po, for us starters into stock investing, how many stocks do you recommend we should invest on? Or para sa mga bago try to stick with a single stock pa muna po?

  56. Good day Ms. Fel! Im very curious about these things na shinashare mo. Gusto ko sana itry kaso di ko alam kung pano ko sisimulan. Please help me? Im only 19 years old and I really want to earn big. Please?

  57. Cheers to this great post.!!
    Before i read ur article, i was in dilemma whether to invest in real estate or stocks..
    Now im sure ill take the risk and be a stockholder..

  58. good day miss fehl.!

    may tanong po ako…ano po ba ibig sabihin ng peso cost averaging??di ko po kasi ma gets eh..
    salamat po ng marami sa sagot nyo..

    • PCA is a method used for investing wherein earning are computed on average-cost method. Example: If you will be investing in UITFs, they compute the gains or losses by getting the average NAVPU (Net Asset Value Per Unit). It’s like computing your ave. grade, your teacher won’t just base the final grade on the current grading period instead she will compute the average

  59. Ma’am Fehl, thank you po for enlightenment. Kelangan pala pumili ng magandang online broker sa mga nabanggit po ninyo.

    Bakit po ung ibang broker ay walang registration fee at iyung iba pinakamataas pa ay 25000pesos? That means kaya na wala ng fee everytime i buy or sell a stock (particularly in Peso-Cost Averaging)?

    Pangalawa po, ako po ay OFW at applicable po ba sa amin ang Online Buying of Stock (Peso-Cost Averaging say monthly) kahit nasa ibang panig ng mundo ako? Halimbawa po kung sa BPI online broker platform po napili ko, pwede po kaya nilang ikaltas na lang mula sa BPI Savings ko ang monthly buying fee ko para tuloy tuloy po sya kahit nagtatrabaho ako sa kabilang panig ng mundo?

    Or meron po ba kayung alam na ganitong system, autodeduct from Savings for Peso-Cost Averaging in Online buying stock platform. 🙂 Xenxa na po hindi ko po ma-isummarize ng maigse. 🙂

    • Hi, it has been a year since I started in stocks… Fehl’s blog site has been very useful for many newbies like me. Many thanks to you.

      OFW dn aq from the UAE, lahat ng transaction ko is via online lng.. I’m using BDO online banking to transfer funds to my broker which is COL Financial. Cla na yta may pinakamababang charge though never tried other brokers.

      Can’t imagine na malaki tlga difference in terms of profit comparing to just saving accounts. Pero xempre what I have right now is just paper gains. Maliit lng dn starting ko (10k pesos) then dagdag lng every month…

      @ James, attend ka ng seminar ng broker free nmn (for COL), ng alot tlga ko 1 araw last year during my vacation pra umattend ng seminar. So far worth it nmn.

      Marami pa sanang mga filipinos matututong mg invest sa stocks, sayang kc ung chance..D nmn pla xa gnun kahirap, in due process matututunan mu dn once you’ve started.

      • Thank you Vox. You can also diversify investment with UITFs (Trust Funds). I’m earning amazingly with them and I don’t have to manage my funds since those funds are managed by experts already. For OFWs, they can take advantage of the first online UITF opening in the Philippines. My new post is about that. Hope to see you there 🙂

      • Hi Vox / Fehl,

        I am also from UAE, and would like to try to invests in stocks. Is there any facility here in UAE to register or apply for stocks or I really need to sign up in the Philippines?

        Do they have webinar or any online seminar?


        • You can sign up or register for an online trading account even if you’re currently abroad. Just choose from the List of accredited Online Trading Brokers we listed here in Philpad and register your account. Once approved, you can then buy or sell stocks. Yes, majority of online brokers have free seminar for members.

        • Brokerage firms offer free seminars for their clients. If you have an account with them, you can attend their free seminars. Schedules are posted on their website.

    • Another convenient way to invest in Stocks is by investing Equity Fund through Trust Funds. I’ve been doing that personally and earnings are amazing. All income/losses can be monitored online (no hassles). Since buying stocks personally or direct trading needs enough knowledge and expertise, Trust Funds are very good options since you can earn and invest without stressing yourself what stocks to buy and what not. Trust Funds are managed by experts and they have terrific records and great performance already. They participate in Blue Chip companies too. And you will only pay, redemption fee. 🙂 If you want to know more about them, read about our UITF posts and oour new post about UITF Online application 🙂

  60. hi ma’am Fehl,
    How if i want to buy share from two big companies, each company po ba kelangan ay may tigisang broker online or isang broker online is enough na already na pwede akong mag-purchase sa anumang mga big companies. thanks po

    • Yes but not directly tell…Once you open an account, you will see there news and updates about the stock market. Those updates will help you decide in trading. Trading is as usual risky. Nobody really knows what will happen. Even experts lose some though they gain some. It’s a personal style, instinct, theories, and analysis. One thing I always know though, it’s always cool to buy shares when there are typhoons coz prices drop then LOL

  61. Hi, I am completely new with matters of investing. I have these questions i hope you may kindly field on. First, does investing into stocks means buying shares? Second, are “brokerage accnt”, “investing accnt”, “trading accnt” all the same thing? also, if they are the same, can you use this single acct to invest in different kinds of investment choices, wether on penny stocks, blue chip stocks, maybe bonds, et al.? thanks 🙂

    • First, does investing into stocks means buying shares? – Not really because you can also invest in stocks by joining Equity Funds or other funds that are invested in stocks. Like Mutual Funds and UITFs. Mutual Funds- you buy shares… UITFs – you buy units. Buying shares directly from companies by means of trading is another way.

      Second, are “brokerage accnt”, “investing accnt”, “trading accnt” all the same thing? – they are different but they are all involved in investing.

      Brokerage account is your account when you opened an account in a brokerage firm/company (Eg: COL Financial)
      Investing account is not a specific name though coz it can apply to any investing account – Trust Funds, Mutual Funds, bonds, securities, other financial instruments all related to investing
      Trading account – may also refer to your brokerage account since all your trading accounts are displayed on your Portfolio

      On your last question, yes you may if your broker also offers those products.

  62. Hi, I just recently read a book about investing and really interested to to try it my self. I’m interested in buying stocks.. If ever I sign up for an online broker like for example the COL financial services.. After the 5000 starting amount, should I invest 5000k per month? or can I just invest 1000 a month?

    • Hello there. The 5K option per month is for the EIP (Easy Investment Plan) program from them. The EIP applies Strategic Averaging Method (investing regularly continuously long term) It’s not a requirement to invest 5K every month, you have the free will to invest whenever you want to or can… but following the SAM method, yes you need to invest that amount regularly until your target time.

      • Ms. Fehl,

        Good Day!!!

        What do you preferred UITF or Stock?.. Please give me ideas and differences with regards to this two option. I know stock has dividend and UITF doesn’t have, but I guess buying stock is much better than putting your money in UITF since the bank also put our money in stocks, then why we shouldn’t invest it directly to the stock market? By the way like in UITF what is the proof that COL Financial give to me like Certificate of Participation? Lastly, How could i get my dividend if the company release in the future, does COL Financial also collect it and reflect in my online account?

        God Bless Always…. ^_______^


      • I recommend you have a test-drive of the online trading account you choose. For example, if you want to use COL, sign up for their demo account first. That way you’ll get familiar with its features plus you can try trading too. I’ve seen that most online trading platforms in the Philippines offer a 7-day trial period. 🙂

        • hi there~

          I am on the website of COL and found nothing on the 7 days free trail. How can I avail this program?

          Thanks and looking forward to receiving your sonnest reply.

          • hi! sorry for replying just now. You know the Holidays 🙂 The first thing you must do is open your stock broker’s account. You can one at COL Financial. Then invest on the best performing stocks every month. To access the best performing and profitable stocks, join dailypik.com

  63. This is a good stuff, I’ve been trading since 2007 and there were things I never realized before reading this blog entry. Thanks for sharing, I feel it made me more competent in stock trading. Its very informative!!! Thanks, thanks, thanks! I’ll definitely link this post so more people will be inspired investing.

    • Hi fehl,

      I find your name really unique and interesting lol, anyway that is not the reason why i wrote this letter. I am just typical cruise ship waiter who gets a good figure of money still at this time thankfully. I have a passion when it comes to saving and getting money in return. My knowdlege when it comes about it it’s a baby compared with yours. I enjoyed and learned a lot by spending time in reading your answers to those who asked questions from you and i appreciated your effort of doing it so

  64. Wow… this is the bees knees and the cats pajamas Fehl. LOL. I want to print this out and take notes. This reminds me of Cassy so much. She does the very same thing. She can access her stocks on the computer. I am so envious. i wish I knew more about this money and finance stuff. You are an expert at this and I love this blog so much.

    Cathy Nerujen

    • Oh wow honey thank you! Seriously, you’ll print it? Stocks and investing are one of the most favorite topics here so I do my best to always add some posts when I have more time. 🙂 I’m waiting for Cassy to share about Hedge Fund. Oh baby, you can easily trade stocks online now. You must do it when you have free time and start investing. It’s not really scary hehe LOL Cassy is an expert 🙂 Thank you for always supporting, reading and commenting. Means a lot <3 Mwah!

  65. Another great article Ms. Fehl! It pays to subscribe to your posts. Continue educating Filipinos about the how they can become part of the growing economy of our country. I believe the best way to benefit from the growth of top companies in the country is own a part of that company and gain profit when they profit. It is a lot better than complaining that it is only the rich or businessmen who gains from the economic growth. They can participate if they invest. And now is the time!

    • Thank you for reading and subscribing. There are only few Filipinos who participate in investing and I’m happy to share what I learn and experience here whenever I have time. Yes, we can all be part of growing companies. I hope people realize that 🙂

      • Fehl,I’ve learned that in order for me to become millionaire aftr 5or more years I have to buy stocks 5,000 per month.But how will I know when is the best time to sell stocks? Where can I find the buy below price and the target price of stocks to serve as my guide in buying and selling stocks.Thanks.

        • Hi Rose! That’s just the concept of it – buying to well-preforming companies or blue-chip companies regularly until you plan to sell them after 10 years or so. Buying and selling stocks is risky because price move uncertainly. The only thing that is certain is movement. Beginners just use the concept I discussed but experts use many methods. But even experts lose some.. You really have to surf the waves to know your strategy 🙂

          • Thank you very much. I am now trying the 7day trial of COL Financial and I’ve noticed that there is updated investment guide on my account.Can I use that as my basis when to buy and sell since they indicate there the buy below price and the target price? Also they indicate if its good to buy,sell and hold?Is it enough basis?

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