Investment Stock Market

How to Withdraw Funds from COL Financial Account

I ran out of cash today so I decided to withdraw some extra funds from my COL Financial Account.

This isn’t the first time I withdrew money from my COL Financial Account, so I pretty much know the process already. And it’s very simple.

If you have a COL Financial Account and you’re planning to withdraw your funds too or maybe you just want to know how it’s done, just follow these simple steps:

  1. Login to your COL Financial Account.
  2. Click the Home button and select Forms.
  4. Print the form and fill it out with the required information and sign it.
  • Date
  • Amount in Figures
  • Amount in Words
  • COL Account Number
  • Name of Account Holder
  1. Scan the signed form and send it to with the Subject Line: COL Financial Withdrawal


If you prefer to pick up the check from the COL Financial business center, you need to submit the original filled out form with signature.

Another tip: Always make sure that your Account Profile is updated.

  • Email Address
  • Home Address
  • Office Address
  • Mobile Number
  • Bank Details

If you prefer to have your funds transferred or credited directly to your bank account, double check your bank account details and update it if necessary.

To check or edit your profile, click Home and select Change Profile.

By the way, the amount that I withdrew was my unused cash balance from my COL Financial Account.

Can I withdraw the proceeds of a stock sale immediately?

From the COL Financial Website:

An individual can withdraw the proceeds of a stock transaction sale in three days (T+3) after a stock is sold subject to the procedures on the withdrawal of funds. An unused cash balance longer than three days dormant can be withdrawn anytime thereafter, allowing for one day notice with a cut-off time of 11am to prepare the check payment for that day.

So make sure you give at least 3 days if you’re withdrawing funds from your COL Financial account.

You may also contact COL Financial Customer Service at (+632) 6 515 888 or send an email to if you have any questions regarding this.


I sent my withdrawal request through email yesterday, Jan. 13, 2016 at 2:30 PM and I received an email notification that they received my request around 5:00 PM.

Today, Jan. 14, 2016, at 11:40AM, I received an email from COL Financial with the Subject Line: Notice of Adjustment, informing me that they have already debited the amount to my account.

I checked my bank account online today at 2:00PM, the amount was not yet credited to my account. Not sure what time was it actually credited, but when I checked it again at 11PM today, it’s there already.

That was quick indeed! 1-day processing only. Thanks COL Financial!

Seminars Stock Market

Attend FREE Seminars by Stock Market Brokers

There are a lot of paid seminars out there that are conducted by various speakers who are known to be experts in the field of investment especially in the stock market. It’s okay to pay for these seminars because it’s part of your investment and according to Benjamin Franklin, investment in knowledge always pays the best interest.

But in my opinion, why would I have to pay when I can attend similar or even better seminars for free?

There are more than a hundred stock brokers and trading participants listed in the Philippine Stock Exchange and most of them offer free seminars for interested individuals. And you don’t have to be an existing client/investor because some of these brokers provide free seminars to the public whether or not you have an existing account with them.

COL Financial is one of the currently listed online brokers in the Philippine Stock Exchange and it offers two free seminars to the public namely:

1. COL Easy Investment Program: Simple Stock Market Investing

This program introduces the use of cost averaging to make investing in the stock market simple, convenient, and affordable for anyone.

2. Investing in the Stock Market Today

This seminar will introduce the basic concepts and opportunities of investing in the stock market. Popular approaches of stock analysis will be explained to help guide the new investor in making well informed investment decisions. This seminar is for interested market participants, with minimal to no market experience.

These were the first two seminars that I attended when I became interested to learn about the stock market. I chose the schedule when I can attend both of these seminars on the same day and I reserved my slot by calling their hotline and sending an email. I suggest you do the same thing by attending both seminars on the same day to save your time and effort. Otherwise, just choose a date that best fits your schedule.

The trainer for the first seminar in the morning was Jed Velarde and in the afternoon was Aya Laraya. They’re both knowledgeable in this topic and I learned a lot from them.

Like I said earlier, you don’t necessarily have to be an existing client to be able to attend the free seminars. Neither was I a client nor planning to open an account with them when I attended their seminars. It was only after the seminar and after doing my own research of the broker’s background that I decided to finally invest in the stock market under their online brokerage.

As to why I chose COL Financial over the other brokers is something that I will cover in a future post. Just a disclaimer, this post is not an endorsement and I am not affiliated with this company.

I suggest you also attend the seminars offered by the other brokers so that you can choose the one that matches your needs as a client and your qualifications of a good broker.

To know more about COL Financial’s Seminars, you may visit their website through this link.

Source: COL Financial

Investment Stock Market

I Finally Opened an Account for my Stock Market Investing!


Even if I already gained a little bit of knowledge about stock market investing by reading different resources on the internet in the past couple of months, I knew that I wasn’t ready to get into the real thing yet. Therefore, I attended two free seminars that COL Financial offers to interested investors. Yes you read it right. These two seminars are free and that’s absolutely a good thing for a wannabe investor!

However, I still felt the same thing even after attending the seminars. So I spent some of my free time reading more blogs and articles about stock market. There are two other advanced seminars that COL financial offers for FREE but only for those who already have an active account with them. This means that in order for me to attend the seminars, I need to open an account first. Otherwise, there will be a fee for non-account holders. And for a wise investor, I don’t want to pay for something that I can get for free.

One thing I learned from one of the speakers, Mr. Aya Laraya, is that when we open an account for stock market investing, it’s better to let your spouse or a relative know about it. Or better yet, open a joint account with your spouse (if you’re married). The reason behind this is somewhat similar to having an insurance plan. We don’t know what’s going to happen to us, and if the uncertainty happens (knock on wood), at least there’s another person who knows that we have an investment. Just a disclaimer though, this is how I understood his explanation. I’m not sure if this is what he actually meant.

Going back… When I finally decided to open up a joint account with COL Financial, I convinced my husband to join me to the Philippine Stock Exchange building in Ortigas, Pasig City. I tried to explain to him our purpose of going there but because he doesn’t know anything about stock market and that he’s not interested, I just asked him to affix his signature on the application forms and the other documents. My application was approved after 2 business days and they sent me my COL account number through email. I funded my account immediately and it was activated after four business days.

My account was ready, my fund was enough to start trading or investing, but I wasn’t confident enough to get it started. Two weeks passed and I finally decided to get into the real game.

So this is it!!! My First Day in Trading