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 An unused cash balance longer than three days dormant can be withdrawn anytime thereafter, allowing for one day notice with a cut-off time of 11am to prepare the check payment for that day.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!

Random Updates Seminars

My Experience working with Marvin Germo and attending his Stock Smarts Workshop Series

My first project with Manila Workshops as an Event Director was a success and I’m proud of it! 🙂

I’ve never seen Marvin Germo before, but I have been hearing a lot of good things about him, especially when it comes to stock market investing. When I learned from Ginger, the General Manager of Manila Workshops, that I’ll be working with Marvin for his Stock Smarts Workshop Series, my heart jumped in excitement because I will finally see him in person. I only knew him as the “Stock Smart”, but I later found out that he’s also a rock star! 🙂

Pinay Investor welcoming the attendees of the Stock Smarts Workshops and introducing the Speaker, Marvin Germo (who took this photo! 🙂

After coordinating with him for a couple of days through texts, calls, and emails, I finally got to see him personally on the first session of the workshop series. He came into the venue/room wearing sunglasses and when he took it off, I was starstruck! I just saw one of my idols in finance! Haha! 🙂

Because I was at the event, I also got the chance to listen to Marvin as he was discussing the different topics of the Stock Smarts Workshop Series.  And I could say that he is indeed a Stock Smart. He knows his craft very well and he’s able to deliver it to the audience without boring them. I’ve attended a lot of seminars before, but this was the most intensive and comprehensive stock market workshop that I’ve experienced so far. His approach is very light and cool. I’m not saying this because we work together, but because that’s what I experienced. In fact, I’ve been investing in the stock market for almost a year now and I’ve only discovered some of the very useful techniques and strategies in the stock market from his workshops. Now I understand why most of the attendees didn’t mind paying a ‘lot of money’ to attend the workshops because they got what they paid for and it’s totally worth it.

We got the chance to talk after he finished the two workshops on the first day. He was very friendly and accommodating. He shared a little bit about himself and what he does and I’m impressed with his passion, hard work, and dedication to help Filipinos achieve financial freedom by investing in the stock market.

And it was so nice of him to give me a copy of his new book plus a dedication when I half-jokingly asked for it. And of course, knowing myself, I won’t let the day pass without having a photo taken with him. 🙂

Pinay Investor with Marvin Germo at the Stock Smarts Workshops

The Stock Smarts Workshop Series is composed of four modules, namely, Stock Smarts Basics, How to Find the Perfect Timing in Buying and Selling Stocks, Technical Analysis, and Fundamental Analysis. It’s a full course (but you can attend any module), that’s intended to teach the ins and outs of the stock market from the basic essentials to the most complex topics like technical analysis using chart patterns and oscillators and other tools. And Marvin’s role here is to simplify everything to make it easier for the investors to know how the stock market works without bombarding them with a lot of information.

Below are some of our pictures during the workshops.

Stock Smarts Basics and Perfect Timing by Marvin Germo, January 31, 2015
Stock Smarts Technical Analysis by Marvin Germo, February 12, 2015
Stock Smarts Fundamental Analysis by Marvin Germo, February 26, 2015

After the success of the first run of the Stock Smarts Workshop Series this year, we will be having a re-run this April 2015. Yes, so please reserve all your Monday evenings this April if you want to attend this series and learn how to the invest in the stock market, the Stock Smart’s way!

  • Stock Smarts Basics
    April 6, 2015 (Monday)
    6:00 pm – 10:00 pm
  • Perfect Timing
    April 13, 2015 (Monday)
    6:00 pm – 10:00 pm
  • Technical Analysis
    April 20, 2015 (Monday)
    6:00 pm – 10:00 pm
  • Fundamental Analysis
    April 27, 2015 (Monday)
    6:00 pm – 10:00 pm

For registration or for more info, please visit this LINK, or feel free to contact me! 🙂

I’d also love to hear your thoughts about investing in the stock market or maybe you’ve already attended one of Marvin Germo’s workshops before, so feel free to share it with us here!

Investment Stock Market

I could have doubled my money, but 30% profit is not bad

I bought LRW (Leisure & Resorts Warrants) at P3.2 per share last October 27, 2014. During that time I’ve been hearing a lot of good news about this company so after doing my own research, I decided to buy a FEW shares (I wished I bought more!)

8 trading days later, I checked my portfolio while in the hospital and I was surprised when I saw that it already reached 30% gain. My short term goal for this stock is 20% and it even exceeded it. I was kind of confused if I would continue to hold it and wait for it to even go higher OR be satisfied with my returns and sell it before it’s too late.

The latter prevailed so I sold all my shares and I was very happy with my 30% profit.

And today, I checked the numbers of LRW and I was amazed with its performance. Little did I know that it continued its bullish trend since I sold my shares two days ago. And now its recorded high was almost double than my buy price which means that had I not sold my shares yet, I would have doubled my money. And that’s a 100% profit, waaaahhh!!! Sayang!

But I didn’t know that it’s gonna turn out that way. A lot of times in that past I thought that the stocks that I bought will go up and I will take home good returns but most of them didn’t happen that way and up until now, some of those stocks are still showing RED on my portfolio. Now that I got the chance to choose a good stock, I sold it too soon.

I wanted to get back into the game but I think it’s too risky already. The value of the stock is too high and the chance of getting good profits is smaller now because it’s been bullish for a couple of days and it might soon reach its “resistance” level (when it’s gonna bounce back and move sideways or even go bearish).

I’ll just try to convince myself that my 30% returns is way way better than the less than 1% interest in the bank and that I should be thankful for this opportunity.

Btw, I’m not that good in technical analysis thus I don’t use technical terms that much. I only share my experiences in the stock market based on how I understand it and I hope you understand it too. 🙂

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

Seminars Stock Market

Attend FREE Stock Market 101 Seminar by PSE Academy

(Note: This is the continuation of my previous post, Where and How to Start Investing in the Stock Market)

I initially intended to share simple and short tips on a single post but it became lengthy as I was writing so I decided to write each tip on separate posts. Hope you find it easier to read this way. If not, don’t worry, I will make a quick guide or a summary of related topics on a single post with their corresponding links.

Anyways, here we go…

The very first tip that I suggest is to

  1. Learn the basics of the stock market by attending seminars.

Since I didn’t know who to ask about the stock market, I attended seminars to widen my knowledge and to learn from the people who are into this field. Searching for these seminars was difficult for me at first because I didn’t know where to find them. There were several advertisements on the internet that were related to investing in the stock market but I didn’t know which of them were legitimate and which of them were scams.

Luckily, I found resources on the internet and I got the chance to attend most of the seminars for free. My only challenge then was the order of the seminars that I’ve attended was kind of disorganized. I attended one that was too complex and difficult for me to understand as a newbie in the stock market. Then I found out that there was another seminar that covers the basics which I wished I attended first prior to the more complicated topic.

And since I don’t want you to go through the same confusing learning experiences that I did, I’ll share to you a list of the seminars that will help you learn and understand the stock market first before you start investing in it. Again just a disclaimer, this is only based from my personal experience and opinion and you don’t necessarily have to follow this if you don’t find it helpful or appropriate.

A. Attend the FREE Stock Market 101 Seminar by the PSE Academy.

It’s the basic guide to investing in the Philippine Stock Market and it’s principally intended for interested individuals and first-time investors with no or little market knowledge and investment.

Below is the actual list of topics that I got from their website.

Stock Market 101 by PSE Academy

The schedule is every 2nd and last Tuesday of the Month, from 10:00AM to 12:00NN.

The venue is at 2/F PSE Center, Tektite Building, Exchange Road, Ortigas Center, Pasig City.

Registration is FREE and for reservation, email or click this link to request training or workshop.

If you’re too busy or you don’t have time to attend the seminar, worry no more because PSE Academy is kind enough to share the Basic Stock Market Seminar Primer on their website. Just download the Attachment: 20140619100622435_Basic Stock Market Seminar Primer.pdf and you’ll be able to see the same presentation/slides that they use in the seminar.

The only difference is you don’t get to see your awesome trainer and co-participants and you’re unable to participate in the discussion and raise your questions. Plus, you miss the chance to join and win their contests if there’s any. When I attended the seminar, I was given an 8-gig limited edition PSE bull USB flash drive by just following the trainer’s instruction to wave my hand in the air when she raised a question. 🙂 Not only did I learn a lot from the seminar but having the USB flash drive also made my day!


Investment Stock Market

How and Where to Start Investing in the Stock Market

A former colleague sent me a private message on facebook this morning. I was surprised and flattered upon knowing that she’s following Pinay Investor and she has already read most of my posts. She’s also interested to invest in the stock market but she doesn’t know how and where to start. She read my articles about my stock market venture but it was kind of “nose bleed” according to her. 🙂 She finds it challenging because she’s not familiar with the terms and she doesn’t really know anything about stocks.

Actually, one of the items on my long to-write list is something similar to this post. That is, to write an article on how to start investing in the stock market. However, it has been delayed due to varied reasons. Then suddenly, I got inspired to finally write about this topic after our conversation this morning.

Everything that I will share here is based on my personal experiences and I think that’s what makes Pinay Investor unique or distinct from other blogs. Other investors and bloggers out there may have different suggestions and tips on how to learn and invest in the stock market. It’s good to learn from different people and resources to widen your knowledge and learning experiences, but it’s your responsibility to choose who and what to follow based on your personal needs.

Investing in the stock market was tough for me in the beginning because first of all I know nothing about it. Secondly, I don’t know anyone – a friend, relative, or colleague whom I can ask about the stock market and how to invest in it. And third, it was my misconception that the stock market is only for the rich people or those who have a lot of money like the businessmen and politicians.

So I started reading blogs and resources on the internet about investing in the stock market. Everything was a jargon but I tried my best to understand it by searching for the definitions of the terms that were unclear and unfamiliar to me. Then I began attending seminars, forums, and expos related to the stock market.

I thought I was ready to invest in the stock market because I already learned a lot from what I’ve read and the seminars that I’ve attended. But I was wrong. I lost money on my first few trades. Then I began thinking that the stock market is not for me and I almost gave it up. But I continued and I slowly realized that losing is really a part of learning and experience is indeed the best teacher.

It’s been only five months since I started investing in the stock market and I’m continuously learning. I don’t claim to be an expert on this matter but I’m happy to share with you some of the things that I’ve learned along the way. I don’t want you to experience some of the challenges that I went through when I was starting or at least avoid the same mistakes and do better than I did.

And because part of my advocacy is to spread financial literacy, I will share some tips that will make it a lot easier for you to learn and understand more about the stock market…

Attend FREE Stock Market 101 Seminar by PSE Academy

Attend FREE Seminars by Stock Market Brokers


Where to Invest

Most if not all my previous posts were related to investing in the stock market.

I know that not everybody is interested in this topic because aside from the fact that it’s complicated, it’s also a risky type of investment especially to those who don’t have enough knowledge and background in investing.

That’s why I always suggest to educate yourself first before you get into the world of investing.

Attend Seminars

If you’re interested to learn the basics of the stock market, there are a lot of seminars out there that you can attend.

If you already have a stock broker in mind, you can check out their website for the seminars that they offer.

Most of the brokers offer these seminars for free even if you’re not yet a customer or client. They do this to educate and encourage people to start investing in the stock market.

learn stock market

Afraid to take risks?

If you think your risk appetite is not for stock market investing, you may also visit your nearest bank.

Go ahead and talk to the marketing officer and ask about the different investment options that they offer.

Most of us only knew of savings and time deposit accounts but in reality, the banks have so many other options to make our money grow including UITFs, bonds, and even insurance.

The only thing I don’t like with the banks is that they don’t initiate offering these options for their customers unless you ask about it which I find unfair for those who really know nothing about investing.

That happened to me a lot of times in the past when I was still “window shopping” for the different investment opportunities.

 invest in the bank

Employed? Ask your HR if they Offer Investments for their Employees

If you’re an employee, you may ask your HR officer if the company offers investment options.

These are different from the government mandated contributions for SSS, Philhealth, and Pagibig Fund.

Some employers tie up with investment companies to offer investment options to their employees via ADA or Automatic Debit Arrangement on scheduled dates.

In my previous company, I got the opportunity to sign up an account separately for Homecredit Mutual Fund by Insular Life and Ayala Coop by the Ayala Group of Companies. I get deducted from my salary every pay day for my contributions.

where to invest

Invest in Real Estate

If you’re more interested in investing your money in real estate, that’s also a good option. Who doesn’t want to have his own house in the first place? Everyone does, right? Or at least everyone dreams to have his own house.

invest in real estate 

Indeed, there are so many investment options available in the market right now. We just have to be resourceful in finding and learning about these investment opportunities and choose the ones that best suit our current financial status, risk appetite, and investment goals.

Diversify Your Investments

If you have enough budget, you can have all of these at the same time.

That’s what we call diversification.

It goes with the saying, “Don’t put all your eggs in one basket.” Meaning, you can diversify your investments by putting some of your money in your savings account in the bank, some for mutual fund, stocks, and/or in real estate.

It’s safer this way because if for example, your shares of stocks didn’t do well for some reasons, at least you still have your other investments intact.

diversify your investment

My Personal Investments

I have also tried a couple of investments including San Felipe Neri Coop, Insular Homecredit, Ayala Coop, BPI Save-up, and BDO UITF.

I have also written a few articles about my stock market venture, which you can find HERE.

I’ll try to share my experience with these investments in my future blog posts. 🙂

How about you?

What type of investment have you tried?