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 An unused cash balance longer than three days dormant can be withdrawn anytime thereafter, allowing for one day notice with a cut-off time of 11am to prepare the check payment for that day.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

Stock Smarts Workshops: How to Invest in Stock Market

My first assignment as an Event Director of Manila Workshops was the Stock Smarts Series, in partnership with Marvin Germo. It started in January of this year and we already had four runs as of this month.

We had 4 modules during the first run, which include:

  • Basics of Stock Market
  • Intro to Technical Analysis
  • Advanced Technical Analysis
  • Fundamental Analysis

It was held at the Berjaya Hotel in Makati City, where we had a total of 41 participants for this series.


The same topics were tackled during the second run at Voffice, Fort Legend Tower, in Taguig City with a total of 25 attendees.


We tried a new set of modules for our third run this year and we called it the Comprehensive Technical Analysis Series, which include the following modules:

  • Basics and the Foundations of Technical Analysis
  • Market Trends, Volume Related Trading, Market Phases, and Moving Averages
  • Stock Market Trading Oscillators
  • Candlesticks, Comprehensive Chart Patterns, Fibonacci Analysis

It was held at the Freelancer Conference Hall, Ecotower, in Taguig City, where we had a total of 25 attendees. Majority enrolled for the entire course / series.


On our fourth run, we included two modules from the first run, Basics and Fundamental Analysis, and we added a new module, which is Portfolio Management. Surprisingly, this is the run where we had the most number of attendees, having a total of 45.


Our speaker, Marvin Germo, is a Registered Financial Planner and an author. His ability to simplify complicated investment concepts, making it easier to understand has made him one of the most sought after money speakers here and abroad. With his over seven years of experience in the Philippine financial industry, his energy and zeal to educate the Filipino people has transformed ordinary consumers into investors.

As an advocate of Financial Literacy, I’m happy and proud to be part of this project, where I get the chance to share to others the opportunity to learn more about financial education. Our economy and our country as a whole, has so much to offer, and we hope that through these workshops, we’d be able to help and encourage our kababayans to take part in its progress.

This October, we’re going to have our fifth run of Stock Smarts and it will be a rerun of the Comprehensive Technical Analysis series with the same modules.

Stock Smarts CTA October 2015 Poster

Whether you’re a complete newbie in the stock market or you’re already investing or trading, I personally invite you to this upcoming Stock Smarts series. Technical Analysis is one of the best tools to find the perfect timing in buying and selling stocks. Having the knowledge of Technical Analysis will help you trade or invest in the stock market with confidence.

Plus, in these workshops, participants will be given a chance to analyze stocks using the different techniques that Marvin will teach.

For more info and to register in these workshops, please visit Manila Workshops. You may also CONTACT ME directly or post your comments below.

See you there! 🙂

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. 🙂

Investment Stock Market

Goodbye, JAS (Jackstones, Inc)

After putting JAS on HOLD for 4 long months, I finally sold it today at a loss. It’s difficult for me to sell a losing stock but I had to do it, otherwise, the loss would even get bigger.

I bought it in June 20, 2014 when the price was ranging from P5 to P5.5 per share. It seemed to be an active stock during that day or week so when it hit P5, I bought 2,000 shares thinking that it was a good opportunity. Unfortunately, it didn’t happen like I speculated.

One of the big mistakes in investing in the stock market is not researching enough about the stock. In short I, myself, just speculated and sadly, it didn’t work for JAS. Another lesson learned for me.

I actually had no plans of selling JAS this early but I received a TENDER OFFER from JAS to sell it at P2.7 per share. Based on how I understood the memo, JAS will be handled by another group of directors or company and will make it private which means that they’ll remove it from the public listing of the Philippine Stock Exchange. Having said that, they’re encouraging stock/shareholders to sell their remaining shares with JAS until November either through the tender offer which is P2.7 per share or by selling it directly based on the current market price.

Like I said earlier, I only have 2,000 shares of JAS which I bought at P5 per share and considering their tender offer of P2.7 per share, I don’t think it’s fair to let go of it at almost 50% loss. The market price of JAS as of this writing is P3.9 per share but the highest bid is P3.75. Without thinking twice, I sold all my remaining shares with JAS at 25% loss. Yes it’s a loss but it’s definitely better than the 50% loss if I accepted the tender offer.  

It’s also a good thing that I didn’t invest much on this stock. Had I invested more, for sure that 25% loss would be equivalent to a pale of tears and regrets.

Goodbye now, JAS (Jackstones, Inc)! I only had you 4 months ago but I stayed with you until the end of your public listing. I got my capital back at a loss but the lessons I learned were all worth it. Hope you get better and more successful in your new home. 

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

Investment Stock Market

Stock Market Updates as of August 2014

I haven’t shared much about the stock market lately because my posts in July were all about my stock market venture. And I know that it might have been a little boring to some readers who are not interested in this type of investment vehicle.

Also, I kind of took a break in intra-day trading because I have limited funds and my current portfolio seems to be suitable for long-term investment. (Does it sound like a defense mechanism of a loser? 🙂 ) But seriously, as I learn the ins and outs of the stock market plus the knowledge I gained in the seminars that I’ve attended, I’m slowly realizing the advantages of long-term investment over short-term trading. I will tell you more about this in a separate post. In the meantime, I will share some updates related to my stock market venture.

MA (Manila Mining Corporation)

The highest percentage of my portfolio still comes from MA (Manila Mining Corporation). This is not a blue chip company but I still hold on to this stock because I believe in its positive market outlook. The stock value increased a bit after the Stock Rights Offering (SRO) that officially showed up in July. There is a slow movement in its valuation which is indicative to its low trading volume and the trend has always been sideways.

I visited the company’s website to know the disbursements made out of the SRO proceeds. In their report on July 2, 2014, they disclosed that the highest percentage of the proceeds went to Accounts Payable Trade and Accruals while the rest went to the disbursements of  Contractors, Cost of SRO, Care and Maintenance/Adm. Expenses, Drilling Program and Payables to the government like taxes, SSS, etc.

I’m relatively new to stock market and I don’t have enough knowledge in technical and fundamental analyses so if you want to know more about MA, you may visit their website through this link.

I don’t know either if MA was a good choice of stock or if I made a mistake in investing with this company. I’m staying positive and hopefully it follows the footsteps of SCC (Semirara Mining Corporation). 🙂

SINO (Sinophil Corporation)

I used a small portion of my funds to buy SINO (Sinophil Corporation) in June 2014. It was at 1.61 per share when I bought it. A common mistake of a stock market noob is being too eager to go with the flow or buying a hot stock without studying the technical and the fundamental background of the company. Yes I’m guilty of that and I paid my price. 🙂

It was on its peak when I bought it. In technical analysis, they call it resistance. And apparently, after hitting its resistance level, it went back down again and continued to dive until it reached around 1.15 per share. Another heart-breaking experience for me. 🙁

I held on to it and waited patiently. After a month, it bounced back and reached 1.71. And that’s when I decided to sell all my shares with almost 6% profit.

PSEi finally hit its 7,000 level

August is believed to be a ghost month and for some, it is not a good time to invest or open a business. One of the reasons being is that the economy kind of slows down during this month thus some investors take a break from the market. While it is only a belief, historical data show that August seemed to be the weakest month in the stock market.

Surprisingly, PSEi (Philippine Stock Exchange Composite Index) breached the 7,000 mark for the first time in nearly 13 months! PSEi by the way, is the main stock market index of the Philippine Stock Exchange, which is one of the indicators on the general state of the Philippine economy. So when the PSEi is high or is going up, it can be an indication that our economy is doing well or the corporate earnings are improving.

Now, is it a good time to invest?

From what I learned so far, there is no such thing as best day or best time to invest. No matter if it’s ghost month or not, it’s always a good time to invest. But before you take any action, make sure to educate yourself first. As Benjamin Franklin says,

Investment in knowledge pays the best interest.”

Investment Stock Market

Is August really a Ghost Month?

If you’re an investor, you’ve probably heard of Aughost – which some people refer to as August being a ghost month. If you haven’t, don’t worry, I feel for you. 🙂

I did a brief research on this and here’s what I found from my source. Ghost month is the seventh lunar month in the traditional Chinese calendar. This is significant to some people because of the belief that this is a bad time to do activities such as traveling, moving house, and starting a new business or investing.

I’m no good in story-telling so if you’re interested to know more about this ghost month thing, please go ahead and click this link. 🙂

Going back, I first heard of it when I attended COL Financial’s briefing on COL Positioning for 2015 at the Meralco Theatre two days ago. One of the attendees asked,

COL ghost month question

I don’t know if I got it all correctly but I’ll share with you some points that I’ve written on my notes based on the the panelists’ answers to this question and their suggestions for investors. Some of these are based on my personal opinion.

  • Lower volume of trades is expected this month because some investors may sell their stocks to stay liquid in their assets.
  • It can be a good opportunity for investors who do cost averaging because the share prices may be lower at this time.
  • Study the stock market and do your own research on the fundamental and technical analysis of the companies that you want to buy shares with. If you think you don’t have the skills to do so, take advantage of COL Financial latest research which can be found at the COL’s account homepage.
  • Reevaluate your portfolio, diversify, and as much as possible, go for long term investment in the stock market. It is way safer than active trading, unless you have the necessary skills.
  • On whether they should sell their shares or not, one of the answers I got was to hold on to the stock for now. Don’t sell especially if it’s at a loss. Wait until the valuations recover and bounce back.

These temporary changes in the stock market are not affected solely by this so-called ghost month. It may have created a stir in the market but we have to bear in mind that there are so many factors that affect the market performance and the valuation of shares and that include the fundamentals of the companies and the current status of the country in terms of inflation rate and all other factors.

Again, I don’t claim to be an expert. But if you’d ask me whether it’s a good time to invest or not, here are my personal opinions on this.

  1. If you are a long term investor, continue to add shares because you might get them at a much lower price this month. And this might give you good returns overtime.
  2. If you are a short-term investor or an active trader, pay close attention to the fundamentals of the companies that you want to buy or have shares with. Or better yet, take a break from the stock market for now, anyway, it’s vacation season for many global fund managers.
  3. If you feel that it’s really a good time to invest in the stock market, then do it at your own risk. At the end of the day, it’s still you who will decide for your own funds.

To all of us, good luck and happy investing! Enjoy the ‘ghost month’ with patience and positivity.

Disclaimer: I’m not a banker, fund manager, stock market expert, or investment guru. I’m just a typical newbie in the stock market, who’s trying to share what I know about investing to the readers of this blog. I don’t represent or endorse the companies or entities mentioned in this post. If you find this article substantial in your investing venture, then take it at your own risk and be responsible for your decisions. I am not liable for whatever results this may bring about in your investments.

Investment Stock Market

Think Positive – Part II


My patience and positivity seem to pay off. After availing the stock rights offered by Manila Mining Corporation (MA) on June 16, almost 20% was added to my MA shares of stock. It was only one fifth (1/5) of my total MA shares but it made a huge impact on my portfolio because I bought the stock rights at a much lower price. From almost 10% paper loss, it went down to less than 2% when the additional shares officially showed up on my portfolio on July 1.

As what I’ve shared on my previous article Think Positive – Part I, MA has been down since May. And I got used to it. Sabi ko nga sa sarili ko, manhid na ko. But two months after seeing the consistent double digit loss percentage, for the very first time, MA showed up with an amazing 8.51% gain!

And seeing positive 23% day change the second day after I got my stock rights for MA was absolutely phenomenal. I could feel my ears clapping in joy and excitement. (OA lang 🙂 )

MA has been green since then until the last few trading days of July when it slowly moved down again. Today is the 31st of July and as I write this, I took a peek at my portfolio and saw MA showing red numbers again. 🙁

Could it be that it’s ghost month? (I’ll tell you more about this on my next post.)


This is how stock market works. Just like the roller coaster, sometimes it’s high sometimes it’s low. You try to follow the ‘buy low sell high’ strategy but it doesn’t always happen that way. Sometimes you have to hold on to it, pause for a little while and come back later. Truly, patience is the key. And I’m staying positive on MA.