Basic Account

Navigation Manual
For Beginner Investors
Table of Contents
Logging into your COL account ………………………………………… 3

How to access research reports ………………………………………... 4

Using COL’s research reports …………………………………………….. 5

The Board Lot table …………………………………………………………… 7

How to buy a stock ……………………………………………………………. 9

How to sell a stock …………………………………………………………….. 10

Transaction fees ………………………………………………………………… 11

Trading hours …………………………………………………………………….. 13

Types of orders ………………………………………………………………….. 14

Viewing your Portfolio ………………………………………………………. 15

Viewing your Trading History ……………………………………………. 16

Trading History tab
Trade Confirmation
Monthly Ledger

Funding your COL account ……………………………………………….. 19

Withdrawing funds from your COL account ……………….......... 20

Automating your investments …………………………………………... 21

www.colfinancial.com 2
Logging into
your COL account

Go to:

https://www.colfinancial.com

Enter your 8-digit

User ID and password

Use your COL account no. (User ID) and temporary

password sent to you via email to log into your account.

www.colfinancial.com 3
How to access
research reports
“What stocks should I buy?”

One of the first challenges that new investors face is choosing

which stock to buy. But don’t worry – COL’s Research team,
comprised of seasoned market experts and analysts, is here to
guide you in making smarter investment decisions.

To view COL’s latest alerts and research reports, click on the

Research tab.

www.colfinancial.com 4
How you can use
COL’s research reports

There are different types of reports available in your COL account

to keep you updated of what’s happening in the market. These
reports include latest news and performance of different
companies, and guide to know how to react based on the news
(buy/hold/sell).

COLing the Shots is a type of report that includes a list of COL’s

stock picks and recommendations published every 1-2 months.
This report provides insights on investment opportunities based
on global and local developments that could affect the market.

Here are other reports that you can find in your COL account:

- Alert - Morning Notes

- Company Reports/ Snapshots - Technical Spotlight

For an in-depth discussion on how to use and read these reports,

click here. v

www.colfinancial.com 5
How you can use
COL’s research reports
“How would I know whether the company that I’d like to buy
is cheap or expensive?”

Go to Research > Fundamentals > Investment Guide to find a list

of companies per sector with our Research team’s analysis based
on the companies’ earnings and performance.

The guide includes the companies’ estimated worth or fair market

values (COL FV), recommended action to take (COL Rating), and
target buying prices (Buy Below), among others.

1
2
3

www.colfinancial.com 6
The Board Lot table
The Board Lot table guides you with the minimum number of
shares that you can buy or sell. Minimum board lots are
determined by the market price of a stock.

Price range (in ₱)

Tick Size Board Lot
from to
0.0001 0.0099 0.0001 1,000,000
0.01 0.049 0.0010 100,000
0.05 0.249 0.0010 10,000
0.25 0.495 0.0050 10,000
0.50 4.99 0.0100 1,000
5.00 9.99 0.0100 100
10.00 19.98 0.0200 100
20.00 49.95 0.0500 100
50.00 99.95 0.0500 10
100.00 199.90 0.1000 10
200.00 499.80 0.2000 10
500.00 999.50 0.5000 10
1,000.00 1,999.90 1.0000 5
2,000.00 4,998.00 2.0000 5
5,000.00 up 5.0000 5

Tick Size refers to the incremental amounts that the

buying/selling price can increase or decrease.

www.colfinancial.com 7
The Board Lot table
For example:

You would like to buy stock ABC, which is currently priced at ₱550 per share.

First thing to do is to check the price range column. In this example, stock
ABC falls within the ₱500 – ₱999.50 range.

Next, check the board lot column to see how many shares you should buy at
the minimum. In this case, you need to buy at least 10 shares of stock ABC.

Price range (in ₱)

Tick Size Board Lot
from to
0.0001 0.0099 0.0001 1,000,000
0.01 0.049 0.0010 100,000
0.05 0.249 0.0010 10,000
0.25 0.495 0.0050 10,000
0.50 4.99 0.0100 1,000
5.00 9.99 0.0100 100
10.00 19.98 0.0200 100
20.00 49.95 0.0500 100
50.00 99.95 0.0500 10
100.00 199.90 0.1000 10
200.00 499.80 0.2000 10
500.00 999.50 0.5000 10
1,000.00 1,999.90 1.0000 5
2,000.00 4,998.00 2.0000 5
5,000.00 up 5.0000 5

As a savvy investor, you may want to buy at a lower price. This is when you
should look at the tick size. For this example, if you want to buy stock ABC for
a cheaper price, you may bid at a lower price by increments of ₱0.5 like:
₱549.50, ₱549.00, ₱548.50… and so on.

www.colfinancial.com 8
How to buy a stock
Step 1: Go to: Trade > Enter Order
Step 2: Input the company’s Stock Code (click to view the list)
Step 3: Look at the summary table to check current price information
and the board lot of your selected stock
Step 4: Fill out your order details, then click Preview Order

Step 5: Review your order details and enter your password to confirm your
order.

www.colfinancial.com 9
How to sell a stock
Step 1: Go to: Trade > Enter Order
Step 2: Input the company’s Stock Code (click to view the list)
Step 3: Look at the summary table to check current price information
and the board lot of your selected stock
Step 4: Fill out your order details, then click Preview Order

Step 5: Review your order details and enter your password to confirm your
order.

www.colfinancial.com 10
Transaction fees
Investing is now more affordable than ever! COL offers the lowest
transaction fees whenever you make a buying or selling
transaction using your COL account.

Fee Amount Remarks

Commission 0.25% of the Gross Trade Amount

Value Added Tax (VAT) 12% of the Commission
Philippine Stock Exchange
0.005% of the Gross Trade Amount
Transaction Fee (PSE Trans Fee)
Securities Clearing Corporation
0.01% of the Gross Trade Amount
of the Philippines Fee (SCCP)

Additional fee for selling:

Sales Tax No. of Shares x Price x 0.6%

NOTE: The Commission fee has a minimum charge of ₱20.00 per

transaction. Broker Assisted trades are charged a Commission fee
of 0.50%, in case they are needed.

www.colfinancial.com 11
Transaction fees
For example:

BUY: 10 shares of AC at ₱700.00 per share

Gross ₱7,000.00
Commission 0.25% of Gross ₱7,000 x 0.25% ₱20.00*
VAT 12% of Commission ₱20 x 12% ₱2.40
PSE Trans Fee 0.005 of Gross ₱7,000 x 0.005% ₱0.35
SCCP 0.01 of Gross ₱7,000 x 0.01% ₱0.70
+ Total fees ₱23.45
= Total cost to buy ₱7,023.45
*minimum commission charge at ₱20.00

You will be paying ₱7,023.45 to buy 10 AC shares. But what if the price of AC
increased to ₱720.00, and now you would like to sell your shares?

SELL: 10 shares of AC at ₱720.00 per share

Gross ₱7,200.00
Commission 0.25% of Gross ₱7,200 x 0.25% ₱20.00*
VAT 12% of Commission ₱20 x 12% ₱2.40
Sales Tax 0.6% of Gross ₱7,200 x 0.6% ₱43.20
PSE Trans Fee 0.005 of Gross ₱7,200 x 0.005% ₱0.36
SCCP 0.01 of Gross ₱7,200 x 0.01% ₱0.72
+ Total fees ₱66.68
= Total proceeds *minimum commission charge₱7,133.32
of ₱20.00
*minimum commission charge at ₱20.00

You will be receiving ₱7,133.32 after selling your shares.

www.colfinancial.com 12
Trading hours
The Philippine Stock Exchange (PSE) is open for trading during
weekdays (Monday - Friday), and is closed during weekends and
legal holidays.

Time Phase

9:00 a.m. Pre-open

9:15 a.m. Pre-open no-cancel

9:30 a.m. Opening period – continuous trading

12:00 p.m. Market recess

1:00 p.m. Market resumption – continuous trading

2:45 p.m. Pre-close

2:48 p.m. Pre-close no-cancel

2:50 p.m. Closing period – Run-off/Trading-At-Last

3:00 p.m. Market close

www.colfinancial.com 13
Types of orders
There are different types of orders that you can use to make your
investing more convenient.

During trading hours (market is open):

During off-hours (market is closed):

Note: Placing your orders in advance allows you to automatically

have your order executed once your desired price is reached within
a given time frame. This gives you the convenience of not having to
constantly monitor prices / log in to your account.

www.colfinancial.com 14
Viewing your Portfolio
1 2

14,709.73 14,709.73

3 4 5 6 7

100.00 27.7000 25.7257 400 400 10,991.92 701.65 6.82%

24,888.16

1. Actual Balance – the amount of money you have in your account that you
have not used for any buy/sell orders yet
2. Buying Power – money you can use to post buying orders
3. Stock Code / Stock Name – the stock that you bought / currently have
4. Average Price – the average cost per share of the stock that you bought,
inclusive of buying charges
5. Uncommitted Shares – the number of shares that you currently have that
are not committed to any sell orders
6. Market Value – the current value of your stocks, minus selling charges
7. Gain/Loss – potential profit or loss for your stocks, based on the current
market price (green = gain, red = loss)

Uncommitted Shares vs Total Shares, what’s the difference?

Total shares is the number of shares that you actually have.

For example:
v
You currently have 1,000 total shares of Stock A and you decided that you
want to sell 200 shares. Once you post the sell order, the 200 shares will be
earmarked for selling, making your uncommitted shares equal to 800, and
total shares still at 1,000. If the sell order was successful, your total shares
after the sale will then become 800.

www.colfinancial.com 15
Viewing your
Trading History
To view your previous orders and trades, go to:
Trade > Trading History

You may customize the fields to select your chosen time frame.
Note that for orders, only data from the past two weeks can be
shown.

www.colfinancial.com 16
Trade Confirmation
Aside from the records in your Trading History, a notification of
your recent buying/selling transaction will also be sent directly to
your email address.

www.colfinancial.com 17
Monthly Ledger
If you want a more comprehensive view of your past transactions,
you may go to: Trade > Portfolio > View Monthly Account Ledger

The monthly ledger covers all deposit, withdrawal, buying and

selling transactions, along with an overview of your portfolio
during a specific month.

www.colfinancial.com 18
Funding your COL Account
Funding your COL account is easy and convenient through our
partner banks and e-wallets. You may refer to the table below for
our list of partners and corresponding fees:

To view our step-by-step guide on how to add funds to your

account through each of our partners, click here.

CREDIT SCHEDULE

For deposits via e-wallets, funds will be credited to your COL account on the
next business day.

For bills payment via partner bank, if v

deposit was made:
• Before 8:00 AM: Funds will be credited before trading starts at 9:30 AM
• After 8:00 AM: Funds will be credited 11:00 AM onwards
• During weekends or public holidays: Funds will be credited before 9:30 AM
of the next business day.

www.colfinancial.com 19
Withdrawing funds
from your COL Account
To withdraw your available cash balance, just go to:
Trade > Portfolio > Withdrawal Request

In the withdrawal request page, enter the amount you wish to

withdraw, along with your preferred method of claiming your cash.

Note: If you wish to withdraw your cash via Enrolled Bank Account, make
sure that you have registered your updated
v bank account details in your
COL account to avoid any issues.

www.colfinancial.com 20
Automating
your investments
Don’t have time to log into your account? Set up your EIP (Easy Investing
Program) to automate and make sure your investing is done on a regular
basis.

Step 1: Go to the Trade tab and click on EIP Scheduler

Step 2: Fill out your order details:

• Stock Code – the code of the company you

wish to buy (click List to view details)
• Cash Value – the amount of investment (same
amount you need to have in your account
before every automatic purchase) 2
• Period – the frequency of your investing (can
be Weekly, Monthly, Quarterly or Semi-Annual)
• Start Date – the date when your purchase will
begin
• Duration – the length of your scheduled 3
purchase (maximum of 3 years)
• Order Mode – can be Manual/Automatic

Step 3: Click Submit to proceed to the confirmation page

ORDER MODE

Automatic – no need to log into your account; automatically executes your Buy
Order as long as your account has enough funds for the investment.

Manual – you need to log into your account during your indicated EIP schedule.
Once logged in, you’ll receive a reminder on your scheduled EIP, and you may
choose to execute it by clicking ”Buy Now”. If you don’t want to proceed with the
purchase for that certain period, you may click “Skip”.

www.colfinancial.com 21
 FREE Monthly Workshops
Live online learning sessions on various investing topics like:
✓ A Practical Guide to Using Your COL Account
✓ Picking the Right Funds Based on Your Life Goals
✓ How to Choose the Right Stocks
✓ Beginner’s Guide to Investing in REITs

Register here or visit:

www.colfinancial.com

Join our community

Need help? Email us at:

helpdesk@colfinancial.com

www.colfinancial.com 22