In-Depth, Step-by-Step Guide To Online Trading With COL Financial

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Your COL Financial Stocks Trading Guide

March 22, 2018
Investment, Money Ideas
Written by Marc Adrian
The Philippine stock market is one of the oldest stock markets in Asia. It was established in
1927 and it’s one of the most legitimate investment options the country, yet only a few are
taking advantage of it.
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It’s glaring how the participants in the Philippine Stocks Exchange doesn’t even come close to a
fraction of its neighboring nations’. Singapore has about 33% o their population actively
participating in their stock market, Malaysia has 18%, and Hong Kong with 17%. Meanwhile, the
Philippines only have less than half of 1% according to a report done by Philippine Stock
Exchange (PSE) in 2017.
If there’s anything that this proves, it gives credence to a research that once said Filipinos are
among the least nancially literate people in the world.
As the Philippines bags the number one spot for the best country to invest in 2018 by US News,
perhaps it’s high time for Filipinos to learn the basics of this trade and start directly bene ting
from the country’s economy.
Figuring out how and where to put your money in the Philippine Stocks Exchange can be a
challenging feat. It will take a lot of homework to make a well-informed decision even on your
rst trade. However, with the help of stockbrokers like COL Financial, setting an account that
will give you a headstart is not as hard as you may think.
What is COL Financial?

Formerly known as CitisecOnline, COL Financial is an easy-touse trading platform for investors
to buy and sell shares in the Philippine Stock Exchange (PSE). It also has a dedicated support
service to help guide customers in their investment decisions, as well as a repository of articles
consisting of expert opinions and comprehensive research.
Getting started is hassle free. Here’s how to do it:
Documentary requirements
1. Fill out all the forms.
Customer Account Information Form (CAIF)

Foreign Account Tax Compliance Act (FATCA)
These forms can be downloaded from their website.

2. Provide a photocopy of at least 1 valid ID issued by the Philippine government such as:
Passport
Philippine Driver’s License
SSS ID (1999 credit card type only)
GSIS ecard plus
Professional Regulation Commision (PRC) ID
Comelec Voter’s ID
For In-Trust-For Accounts: Birth Certi cate of the bene ciary/child
For foreign citizens
Resident
Photocopy of one (1) valid government issued ID (Photo and signature must
be clear).
Alien Certi cate of Registration (ACR) or Work Permit from DOLE
Non-resident
Authentication of a photocopy of one (1) valid passport (Photo and signature

must be clear).
3. Minimum deposit of the following:
₱ 25,000 for COL Plus

₱ 5,000 for COL Starter
₱ 1,000,000 for COL Premium
How to open an account or portfolio?

1. Choose the type of account that ts your initial investment amount.
Minimum Features
investment

COL ₱5,000 This is an entry-level account suitable for long term
Starter investments.
This account gives its users the access to basic research

reports, standard market information, and end-of
COL Plus ₱25,000 An account suited for active traders. It gives access to
streaming quotes, more comprehensive research
reports, and live chart data with some customizable
features.
COL ₱1 A premier investor account. It grants access to all the
Premium Million features in COL Financial’s platform. On top of that,

they will assign a personal relationship manager to
assist the investor with their investments.
For a more detailed comparison of the investment accounts’ features, click here.
2. Download, print, and ll out the following forms from their website:
1. Customer Account Information Form (CAIF)

2. Foreign Account Tax Compliance Act (FATCA)
3. Generate a photocopy of (1) valid ID issued by the Philippine Government.
For your information
The photocopy must be signed by the applicant.
4. Submit documents to any of COL Financial’s Business Centers. Their addresses are as
follows:
COL Business Center

2403B East Tower, PSE Centre,Exchange
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Road, OrtigasEmail
Center,Pasig City 1605,
WhatsApp
Philippines
(+632) 651 5888.
COL Investor Center – Makati

Ground Floor, Citibank Tower, Valero corner, Villar Streets, Makati City 1227,
Philippines
(+632) 478 2954
(+632) 478 3316
(+632) 478 3275
COL Investor Center – Davao

2nd Floor Robinsons Cybergate, J.P. Laurel Ave., Bajada, Davao City 8000, Philippines
(+6382) 287 8192
(+6382) 287 8193
(+6382) 287 8194
iRemit branches for OFWs.
5. Fund your account

Depending on the type of account you signed up for, fund it with at least the minimum
required portfolio balance:
₱5,000 for Starter

₱25,000 for Regular
₱1,000,000 for Premium
Funding Options
Online Banking via Merchant Payment
1. Bank of the Philippine Islands

2. Banco
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3. Metrobank
Over-the-Counter via Merchant Payment
1. Bank of the Philippine Islands

2. Banco de Oro
3. Metrobank
How to fund your account

There are various methods to fund your COL account. You can choose to bank in through your
preferred bank or through various remittance centers. While banking in funds may be simple,
the process may be di erent per bank or per remittance center.
Online bills payment

The online bills payment feature allows COL account holders to fund their account easily and
conveniently through their bank. However, this funding method is only available for the
following banks and may require biller (COL Financial) registration before any payments can be
processed.
Bank of the Philippine Islands
For BPI to process the payment, your biller (COL Financial Group) has to be recognised as
your merchant of choice . Here’s a step-by-step process on how to do it.
1. Log on to www.bpiexpressonline.com
2. Enter your username and password
3. Under Payments & Reloading, click Bills Payments, click Enroll all other Bills
4. Enter your BPI account number and Joint Account Indicator No.
5. Under Bill information, select COL Financial GROUP, INC. as the enrollee merchant
6. Enter your COLFinancial account number (8-digit code username)
on the space under Reference Number
7. Click Submit
Processing the payment
After COL has been selected, it will now appear under payments and reloading. Here’s
how to do that:
1. Under Payments & Reloading, click Bills Payment, click Pay Bills Today
2. Under Pay, choose your COLFinancial Account
3. Enter the amount
4. Choose a BPI account from where payment will come from
5. Click Submit
* You should receive a con rmation email from BPI if payment was successful.
The funds will be credited to your COL account within 24 hours (not including
public holidays and weekends)
Banco De Oro (BDO)
BDO require billers to be registered under the payee’s account before any payment can
be processed. Here’s how to do that:
1. Log on to at https://www.mybdo.com.ph
2. ClickShare
the Add Company/Biller Tweet
icon Email WhatsApp
3. Fill-out the Enrollment Details and choose the Channels or electronic banking services
where you may want to pay your bills in the future.
4. Click Submit.
5. Click OK when the con rmation dialogue box appears.
Payment processing
Once the biller (COL Financial) is registered, you can now start funding your account
through BDO’s bills payment feature.
1. Click the Pay Bills icon
2. Fill-out the Payment Details, choose your Payment Schedule, click Submit
3. Click OK when the con rmation dialogue box appears

* You should receive a con rmation email from BDO if payment was successful.
The funds will be credited to your account within the next day until the end of
the next banking day, not including weekends and public holidays. Alternatively,
you can request to have your funds credited earlier by sending an email
to deposits@col nancial.com or fax to +632 634 6958.
Metrobank
1. Login to www.metrobank.com.ph
2. Under eBanking Solutions, click Pay Bills
3. Under Special bill, select COL Financial GROUP, INC.

4. Enter your COL account number under Subscriber/Account Number
5. Enter your Phone No.
6. Choose the Metrobank account from which the payment will come from
7. Enter the amount 8. Select Immediate Payment

* You should receive a con rmation email from Metrobank if payment was successful.
The funds will be credited to your COL account within 24 hours (not including
public holidays and weekends)
Asia United Bank (AUB)
1. Log on to www.aub.com.ph.
2. Enter your user name and password
3. Under the Transaction Menus, click Billspayment.
4. Choose the AUB account from which the payment will come from
5. Under the BiIller Institution/Merchant, choose COL Financial Group, Inc.
6. Enter your COL account number under COL Client Code.
7. Enter your COL account name
8. Enter the amount
9. Click PAY to con rm payment.

* You should receive a con rmation email from AUB if payment was successful.
The funds will be credited to your account within the next day until the end of
the next banking day, not including weekends and public holidays. Alternatively,
you can request to have your funds credited earlier by sending an email to
deposits@col nancial.com or fax to +632 634 6958.
Over-the-counter via merchant payment

Another method of funding your COL account is through over-the-counter payment at the
accredited banks. Simply ll out your chosen bank’s deposit/payment slip with your COL
account holder’s name and COL account number when making payments to ensure proper and
timely credit to your account. The accredited banks are as follows:
1. Bank of the Philippine Islands (BPI)

2. Banco De Oro (BDO)
3. Metrobank
4. Asia United Bank (AUB)
Overseas remittance
OFWs can fund their COL accounts through the following accredited agents:
BDO Kabayan Bills Bayad ( you can check their overseas locations here)
1. Crediting time is within 1-3 business days

2. Less Charges
3. No need to send a receipt to COL Financial
iRemit remittance centers

BDO overseas remittance (paid through any remittance centers that does direct deposits to
any BDO accounts). Click here for remittance details.

Online trading
Signing up for COL Financial gives you access to their online trading platform where you can
have a level of independence and control that you don’t get from o ine or traditional trading.
Choosing the stocks that meets your preference or nancial goals can be done with just a click,
and your nancial portfolio is easily accessible.
COL Financial also o ers a host of online trading and information services, which makes
trading a lot easier for investors.
Automated order placement and execution via the internet

Access to live quotes and other market statistics
Online portfolio tracker
Research materials and market commentaries
Price charting program and Ticker system display
The Virtual Tycoon – a simulated stock trading environment
Quick tip
Alternatively, COL Financial can place an order for you. This can be done by
making an order request through their help desk 6-515-888. However, broker-
assisted calls are charged 0.5% for commission instead of 0.25%. Meanwhile,
their other charges will remain the same.
Trading and handling fees

Just like any other stockbrokers COL Financial take a commission for extending their services
and expertise. On top of that, there are other fees involved in the process. The fees are as
follows:
Fee Account Remarks
Commission 0.25% Of the Gross Trade

Amount
Value
V l Add Tax
T (VAT) 12% Of Commission
Value Add Tax (VAT) 12% Of Commission
Philippine Stock Exchange Transaction Fee (PSE 0.005% Of the Gross Trade
Trans Fee) Amount
Securities Clearing Corporation of the Philippines 0.01% Of the Gross Trade
Fee (SCCP) Amount
Additional fee for selling
Sales Tax No. of Shares x Price x 0.006
* Note: The Commission fee has a minimum charge of ₱20.00 per transaction. And if you
require a broker-assisted trade, the commission charge is .5% of the Gross Trade Amount.
Stock trading basics

The initial foundation that you need to get around COL Financial’s stock trading platform will
mostly involve the following steps:
1. Reading stocks quotes
The stock quotes will basically provide you a quick glance on the market’s willingness to buy
and sell.
A “Bid” is represents the buying price of a stock.

The “Ask” column shows the selling price per share of a stock. The “Size” column
indicates the number of stock shares that traders are selling.

]
To read a quote e ciently, start by looking at the highest buying price followed by the lowest
selling price.
Using our chart below which emphasizes “Buying at ₱ 4.12 and Selling at ₱ 4.14.” To buy
directly, you must agree to Buy Up at the seller’s best lowest asking price (which is ₱ 4.14).
On the other hand, if you want buy shares at a lower price, you can Post and line up in queue.
You can’t buy stocks with this method right away, and you still need to wait for a seller will
choose to Sell Down their shares to your desired price.
Once an order is matched, it will be re ected in the Last 5 Trades box showing the details of
the trade transaction. This is also known as the Last Trade or the current market price.

2. Understanding how the ticker works
The PSE stock ticker are the gures that you will see on the upper right part of your account’s
home page. Each gure and color indicates a speci c status of a stock. The ticker basically
shows all the stocks being traded real-time and their current price.
The change in color indicates how a certain stock is performing (red if the price fell, green if it
went up, and yellow if it remained unchanged).
Below is a quick rundown of the information found inside the ticker and how to interpret them.

How to buy stocks
Once your initial funds have been credited into your account, you will receive an email from
COL Financial indicating your log-in details in their online trading portal. This will now give you
access to their online trading portal and your online portfolio so that you can start trading!
Initially, you will have to buy stocks to start trading. Here’s you can do that rst step to stock
trading.
1. Open your computer’s browser and type in www.col nancial.com on the address bar. You
will be taken to COL Financial’s website.
2. In their website, enter your user ID and password on the text box found on the upper right
part of the page, then click “log in.”
3. Logging in will take you to your account’s home page where you will see a handful of things
related to the activity of the stock market. If you have just created your account, the most
important thing to check on this page before you can start buying stocks is your fund –
whether it’s been credited or not yet.Your available funds will show up in the “Equity Value”
section.
4. Before you go ahead and proceed in buying stocks, check whether the market is open. If the
market is open, you can proceed with trading. (see image below)
5. Click on the “Trade” the a you will be taken to the trading page where you will ll out 3
boxes:
a.) the stock code (click on this text to get the list of stock codes for companies in the
listing)
b.) the number of shares
c.) price
t the right side of the screen, you will nd columns showing the speci cs
of a certain stock. One of the most important details to take note there is
the “BoardLot” row. It indicates the minimum amount of shares that you
can buy for that certain company.
Pro tip!
Alternatively, you can nd the stock codes and check the marketing
activity of all the listed companies at
http://edge.pse.com.ph/companyDirectory/form.do
6. If you agree with the speci cs of your chosen company to buy shares from, ll in the “# of
share” box. Do note that, you can only buy shares multiples of the company’s indicated
“Boardlot” (minimum shares required to buy).

7. In the “Price” text box, enter the amount you want to buy the shares for. Base your buying
price on the “ASK” column.
Pro tip
Buy at the ASK, Sell at the BID
8. Click “Preview Order” to check the details of your purchase. You will then be taken to this
page.
9. At the “Preview Order” page, you need to enter your password in the text box provided at
the bottom to proceed and place your buy order.
10. Once you have con rmed your buy order by entering your password, you will land on the
page showing the details of your buy order. You can check the status of your order in the
“Trading History” section under the “Trade” tab.

Do note that a buy order does not complete your purchase immediately. You will have to wait
for your order to be accepted by the company. Some orders don’t get executed when shares
selling at the price indicated by the buyer gets sold out or completely. Thus, buyers will have to
indicate another buying price.
Pro tip
If your order does not get executed, you can choose to either wait for the
market to close and see if another seller will o er the shares that you’ve chosen
at your preferred price, or you can simply cancel your order and buy at the
current lowest ASK price of that stock.
Withdrawing funds from your COL Financial

account
Withdrawals from a COL Financial account is done by rst lling up the Fund Withdrawal form
found in the COL Financial’s portal.
1. Under the “Home” tabs, nd the “Forms” menu function.

2. It will then show you a list of forms that you can download for di erent purposes. Just
choose the one under the “Form Needed for Withdrawal of Funds” section.
3. Completely ll up the details necessary in the form.
In the form, there’s an option for you to have the funds deposited to your
bank account or have it given to you in check which you can pick up at the
their business center.
4. Send a copy by fax at (632) 634-6958 or email to withdrawals@col nancial.com addressed

to COL Financial’s accounting department.
It’s a false pretense that stocks trading is only for the a uent. The Philippine Stocks Exchange
is an opportunity that every Filipino should leverage on, as it’s the only method for an average
citizen to directly reap the fruits of a country’s economy. It does not require a huge chunk of
cash in order to get started, so everyone can easily open their own portfolio. You can start
small with just ₱5,000 to buy you a good number of shares/ stocks.
While stock market is one of the safest option to grow your money, it still comes with risks.
Thus, before you dive in with all of your hard-earned money, it’s always best to tap the
assistance of experts like COL Financial on your next move.

Related Articles:
Top 5 Investment Ideas For Millennials
PH Equities May Become Uncompetitive Due To Tax Hike
Your Guide To Using The BPI Express Online Banking Service
Share Prices Buoys With Last-Minute Buying
Leave your comment

2 Comments Sort by Top
Add a comment...
Jude Sumugat
COL Financial — Profit Calculator App
LINK: https://play.google.com/store/apps/details...
Determine your profit or loss from buying and selling stocks using this handy COL FINANCIAL stock
calculator.
Like · Reply · Mark as spam · 3w
Lou Calugcug
Can a Filipino (now a US citizen and has been living there for sometime now) open a COL financial
account and start trading stocks? What are the specific requirements in this case? Thank you.
Like · Reply · Mark as spam · 17w
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Learning Centre

Home » Investment » Your COL Financial Stocks Trading Guide

Your COL Financial Stocks Trading Guide

Written by Marc Adrian

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What is COL Financial?

Getting started is hassle free. Here’s how to do it:

Customer Account Information Form (CAIF)

These forms can be downloaded from their website.

For foreign citizens

Authentication of a photocopy of one (1) valid passport (Photo and signature

3. Minimum deposit of the following:

₱ 25,000 for COL Plus

How to open an account or portfolio?

Share Tweet Email WhatsApp

This account gives its users the access to basic research

COL ₱1 A premier investor account. It grants access to all the

Premium Million features in COL Financial’s platform. On top of that,

1. Customer Account Information Form (CAIF)

3. Generate a photocopy of (1) valid ID issued by the Philippine Government.

For your information

The photocopy must be signed by the applicant.

COL Business Center

COL Investor Center – Makati

COL Investor Center – Davao

iRemit branches for OFWs.

5. Fund your account

₱5,000 for Starter

Online Banking via Merchant Payment

1. Bank of the Philippine Islands

Over-the-Counter via Merchant Payment

1. Bank of the Philippine Islands

How to fund your account

Online bills payment

Bank of the Philippine Islands

2. Enter your username and password

on the space under Reference Number

Processing the payment

2. Under Pay, choose your COLFinancial Account

3. Enter the amount

4. Choose a BPI account from where payment will come from

For your information

Banco De Oro (BDO)

5. Click OK when the con rmation dialogue box appears.

1. Click the Pay Bills icon

3. Click OK when the con rmation dialogue box appears

For your information

2. Under eBanking Solutions, click Pay Bills

3. Under Special bill, select COL Financial GROUP, INC.

5. Enter your Phone No.

7. Enter the amount 8. Select Immediate Payment

For your information

Asia United Bank (AUB)

2. Enter your user name and password

3. Under the Transaction Menus, click Billspayment.

5. Under the BiIller Institution/Merchant, choose COL Financial Group, Inc.

6. Enter your COL account number under COL Client Code.

7. Enter your COL account name

8. Enter the amount

9. Click PAY to con rm payment.

Over-the-counter via merchant payment

1. Bank of the Philippine Islands (BPI)

1. Crediting time is within 1-3 business days