Tips and Tricks for Overseas Filipinos Investing in Philippine Stocks

For Overseas Filipino Workers (OFWs) or Filipinos living abroad, investing in the Philippine Stock Exchange (PSE) offers a great opportunity to grow wealth and support the country's economy. However, it can be a bit challenging due to differences in time zones, access to information, and managing risks while living far away. Here are some tips and tricks to help you navigate stock investing from abroad.

1. Open an Online Trading Account with a Trusted Broker

• Many Philippine brokers offer online platforms where you can trade stocks from anywhere in the world. Some popular options include COL Financial, BDO Nomura, First Metro Securities, and BPI Trade.
• Ensure your chosen broker provides easy access to customer support, especially since time zones can be tricky for overseas investors.
• Look for brokers with low fees, robust online tools, and research support to help you stay updated with market trends and company disclosures.

2. Familiarize Yourself with Philippine Tax Laws

• Capital Gains Tax (CGT): There’s no capital gains tax for stock transactions if you hold shares that are listed and traded on the PSE. However, a 0.6% stock transaction tax is applied every time you sell shares.
• Dividends Tax: Cash dividends are subject to a 10% withholding tax for Filipino citizens, including those residing overseas. Make sure you account for this when calculating potential returns.

3. Choose Stocks with Strong Fundamentals

• As you may not have daily access to monitor your portfolio closely due to time differences or work commitments, it’s often a good idea to invest in blue-chip stocks. These are established, financially stable companies like SM Investments, Ayala Corporation, BDO Unibank, and Jollibee. These companies typically provide steady returns, dividends, and are less volatile.
• For those who prefer hands-off investing, consider exchange-traded funds (ETFs) or Real Estate Investment Trusts (REITs) like AREIT. These offer diversification and regular dividend payouts.

4. Take Advantage of Dividend Stocks

• As an overseas investor, you may not always be able to monitor the daily price movements of the market. Investing in high-dividend yield stocks can offer a more predictable return since these companies regularly distribute a portion of their earnings to shareholders. Dividend-paying stocks can provide a steady passive income stream, especially for long-term investors.
• Examples: PLDT (TEL), Globe Telecom (GLO), and REITs like Ayala’s AREIT, Inc.

5. Utilize Auto-Invest Features or Cost Averaging

• Consider adopting a peso-cost averaging strategy by regularly investing a fixed amount in select stocks, regardless of market conditions. This strategy helps reduce the impact of volatility over time.
• Some brokers, like COL Financial, offer auto-invest options where you can set recurring investments to certain stocks or mutual funds. This is ideal if you can’t actively trade due to time constraints.

6. Stay Updated with Local Market News

• Keeping up with the Philippine economy and market news is crucial for making informed investment decisions. Since you’re abroad, it’s important to stay connected through financial news websites like BusinessWorld, Inquirer.net, and Rappler, or follow local stock analysts on social media.
• Many Philippine brokers also offer market analysis and research reports. Subscribing to newsletters or using mobile trading apps with news alerts can keep you in the loop, especially when major economic or corporate announcements are made.

7. Leverage Currency Conversions

• Since you are earning in foreign currency, fluctuations between the Philippine Peso (PHP) and your local currency can impact your returns. Timing your currency conversions well can maximize your buying power when investing in the PSE.
• When the PHP is weaker compared to your currency, it’s an opportunity to transfer funds and invest, as your money will go further.
• Use remittance services that offer favorable exchange rates and low transfer fees when sending investment funds back to the Philippines.

8. Take Note of Trading Hours and Time Zones

• The PSE operates from 9:30 AM to 3:00 PM (Philippine time), so you’ll need to manage the time difference depending on where you live. For instance, if you’re in the Middle East or Europe, the market opens early in the morning; if you’re in the US or Canada, you’ll likely need to stay up late.
• Many online platforms offer after-hours trading or allow you to set limit orders and stop-loss orders, which can be executed even if you’re asleep or not actively monitoring the market. This helps you protect your investments in case of sharp price movements.

9. Be Mindful of Market Liquidity

• Some stocks in the PSE can be illiquid, meaning they don’t trade frequently. This can make it hard to sell your shares when you need cash or when market conditions change. Stick to more liquid stocks, like those in the PSEi, which are traded more frequently and have better market depth.

10. Consider the Long-Term Approach

• As an overseas Filipino, you may want to adopt a long-term investment strategy, especially if you have limited time to actively trade. Long-term investing in growth stocks or index funds helps reduce the emotional stress of market volatility.
• Focus on accumulating shares over time and reinvesting dividends to compound your wealth for long-term financial goals, such as retirement or buying property in the Philippines.

11. Create an Emergency Fund

• While investing in the stock market offers opportunities for high returns, it is also volatile and risky. Make sure you have an emergency fund equivalent to 6–12 months’ worth of living expenses before diving deep into stock investing. This fund can cushion you from unexpected financial needs, job loss, or market downturns.

12. Stay Connected with Fellow Investors

• Join online communities or groups specifically for OFW investors. These communities can help you stay updated with the latest strategies, market trends, and stock recommendations. Platforms like Facebook, Reddit, and even broker-hosted webinars can provide valuable insights for Filipinos investing from abroad.

Final Thoughts

Investing in the Philippine stock market can be an excellent way for overseas Filipinos to build wealth, secure passive income, and support the country’s growth. By using a long-term, disciplined approach and leveraging modern online trading tools, OFWs can enjoy the benefits of stock investing from wherever they are in the world.

How to Make the Most of the PSE

1. Stay Informed: Regularly monitor company disclosures, market news, and macroeconomic indicators like interest rates, inflation, and GDP growth that can influence stock prices.
2. Understand Technical and Fundamental Analysis: Learn how to evaluate stocks through technical analysis (price charts, trends) and fundamental analysis (financial health, earnings reports).
3. Consider Mutual Funds or ETFs: If direct stock picking seems daunting, consider investing in mutual funds or ETFs that are traded on the PSE to diversify risk and gain exposure to a basket of stocks.
4. Long-Term Focus: While short-term trading is possible, the PSE, like most stock markets, tends to reward investors who stay invested over the long term. Patience and disciplined investing can yield significant returns over time.

Notable Listed Companies

• SM Investments Corporation (SMIC): One of the largest conglomerates in the Philippines, with ventures in retail, real estate, and banking.
• Ayala Corporation (AC): A major holding firm with interests in infrastructure, telecommunications, banking, and renewable energy.
• BDO Unibank, Inc. (BDO): The country’s largest bank by assets, providing a wide array of financial services.
• JG Summit Holdings, Inc. (JGS): A conglomerate with a presence in food and beverages, airlines (Cebu Pacific), and petrochemicals.

Final Thoughts: Is the PSE for You?

The PSE offers a wide variety of opportunities for investors, whether you're a local looking to grow your wealth or an international investor seeking exposure to the vibrant Philippine economy. By understanding the different indices, products, and market mechanics, investors can strategically position themselves to capitalize on the country’s economic growth. With a diverse portfolio and a clear strategy, the PSE can serve as a key vehicle for financial success.

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Investagrams' Guide on How To Start Investing In the Stock Market

All you need to know before you embark on your journey

Ano ba ang Stock Market? 

Ito ang mga karaniwang tanong na nakukuhanamin:

"Sir paano po ba yang i-stock market?" "Hi Sir, I'm interested in the Stock Market, paano po ba mag-simula?" "Bro, paano ba kumikita diyan sa stocks? Parang ayos yan ah" "Ser, single ka ba?"

Ngayon sasagutin namin ang lahat ng inyong mga katanungan.

---

Back to basics tayo.

i-discuss muna natin kung paano gumagana ang isang market

Ano ang pinaka simpleng example ng isang market?

Palengke. 

Sa palengke ang mga binibili at binebenta ay mga gulay, prutas, bigas, at iba pang mga kasangkapan natin sa pang-araw-araw.

Ang stock market ay para ring Palengke. 

Pero imbes na mga produkto, sa stock market ang nabibili mo ay mga COMPANY.

Oo tama, mga Kumpanya.

Mga kumpanya na nag bibigay satin ng produkto at serbisyo sa pang-araw araw nating pamumuhay, gaya ng Ayala Land, Meralco, PLDT, Megaworld, Petron, San Miguel, Jolibee atbp.

Read more: https://www.investagrams.com/Article/Investagrams'-Guide-on-How-To-Start-Investing-In-the-Stock-Market/12/1

Trade and earn in the Philippine stocks market using this App

Tsupetot - from the word tsup (means kiss or love) and petot (means peso or earn). Love and Earn (nagmahal at kumita in tagalog). Tsupetot is the app that will help you love to trade and earn in the Philippine stocks market. 

Whether you are a local from Philippine or a foreign investor, this is the tool for you to easily view real-time Philippine stocks latest market values and historical charts with standard indicators like MACD, RSI, MFI, SMA20 and EMA13.

List of Features include:
1. Sortable Page by %Change, Volume, and Price
2. Last 3 candle view
3. View all stocks chart profile in single page
4. Market Status
5. Stocks Historical Data with indicator
6. PSEi and Sectors Historical Data with indicator
7. Create Porfolio
8. Create Cheatlist/Watchlist

Download now @ Google Play
https://play.google.com/store/apps/details?id=com.flankzone.Tsupetot&hl=en

Download now @ iTunes
https://itunes.apple.com/ph/app/tsupetot/id1161242831?mt=8

Subscribing to LSI SHARES

Philippine Stock Market Investing Reminders

How the Philippine Stock Exchange works

Philippine Stock Market - Paano nga ba Kumikita dito? How it Works?

Philippine Stock Market - FAQ :: Frequently Asked Questions

What are stocks?

Stocks are shares of ownership in a company. When you buy stocks of a publicly listed company, you become part owner of that company.  As a part owner, you participate in the company’s growth and future profits. Conversely, you may also lose if the company suffers a loss or performs below market expectations.


What is a stock market?

The stock market is a place where stocks are bought and sold or a place where people can invest in publicly listed companies through the Philippine Stock Exchange, Inc. (PSE).


Why invest in stocks? How do I make my money grow in the stock market?

Historical data has shown that investing in stocks over the long-term provides superior returns. Stocks offer potentially higher yields compared with fixed income instruments such as time deposits, government securities and bonds. There are three (3) rationales for stock investing:

a.    Ownership in a company

When an individual invests in the stock market, he automatically becomes a stockholder of a particular listed company. As a stockholder, he is entitled to the following benefits: a.1) voting rights; a.2) dividends to be declared by the corporation; and a.3) share of the remaining assets of the company if it is to be liquidated.

b.    Liquidity of funds

A stock market investor has  easier access to funds. Compared with banks which require high minimum conditions for deposits and credit, an individual can start an investment for as low as Php 5,000.00. He can cash in or out his funds during trading hours, through his broker.

c.    Make money

Investors in the stock market make money through dividends and capital appreciation. When a listed company declares dividends, its shareholders increase their investing power. An investor who buys into the company at a low market price and sells it at a higher price will gain capital appreciation.


What are the different dividends given by publicly listed companies?

There are two types of dividends that can be given by companies:

a.    Cash dividends - these are earnings for every share of stock declared by the company.

b.    Stock dividends - these are additional shares given to shareholders at no cost which can be sold anytime.

View historical dividends / rights declared by listed companies.


Is there any risk involved in investing?

While it is true that a stock investment is the most volatile of all securities, investors might well remember that uncertainty is a permanent feature of the investing perspective. This means that risk is always a part of any investment. A better attitude would be to limit and manage your risk. A maximum level of gain or loss should be set, and calculated decisions should be made when this level is reached.


How do I start investing in stocks? How much of my savings can be invested in stocks?

Just like an ordinary savings account, an investor has to open an account and present valid identification with a broker before he can actively trade stocks on the Exchange. An investor would need at least the minimum amount of investment to open a trading account which is Php5,000.00.

Getting started in the stock market is a simple process.

1.   Choose your stockbroker or trading participant (view Stockbroker's Directory).
2.   Open a trading account with your stockbroker of choice.
3.   Place your buy or sell order either online or through a phone call to your stockbroker.
4.   Monitor and keep track of your investments.


What is the minimum amount of initial investment?

The minimum amount of money needed to invest in the stock market depends on the minimum number of shares to be traded for the stock and the minimum amount required to open a trading account. The minimum number of shares that can be traded will be determined by the prevailing market price of a particular stock. The PSE has a Board Lot table which shows the minimum number of shares that can be bought or sold given a certain price range.

Read more: http://www.pseacademy.com.ph/LS/staticpages/id-1309854652920/FAQs.html

Philippine Stocks - WHAT YOU NEED TO KNOW: REGINA ONLINE INVESTING’S TRADING PLATFORM

Philippine Stocks - WHAT YOU NEED TO KNOW: REGINA ONLINE INVESTING’S TRADING PLATFORM

We live in a fast-paced world where most people would start the day with a cup of instant coffee, a race against the traffic in the metro and finally greeted with a dozen of unread email at the office. An average Filipino employee spends 40 hours a week in the workplace to earn only about P25,000 a month (based on middle income earnings).Naturally, individuals want to bring in more money but the question is, what and how can they do it with their busy schedules? The answer lies with online stock trading. Together with Regina Online Investing (ROI) you can have access to its user friendly platform that runs using PSETradex; up-to-date research and social media resources; and top of the line customer service. Traders can effortlessly manage their own stock portfolio with the help of the dedicated ROI support team.

THE PLATFORM

ROI’s online trading platform is directly connected to the Philippine Stock Exchange which means that whatever happens at PSE, the platform reflects it (e.g. When PSE is up, you can assure that ROI platform is online, putting you at a fair trading ground unlike the more popular brokers that experience frequent downtimes, delayed quotes and other issues). The online platform equips its users with all the information they need to know before clicking the buy button. To give you a better view of the platform, we listed some of its key features below:

Read more: https://roi.ph/what-you-need-to-know-regina-online-investings-trading-platform/

Philippine Stocks - HOW LIVE COACHING CAN MAKE YOU MORE MILLIONS

Philippine Stocks - HOW LIVE COACHING CAN MAKE YOU MORE MILLIONS

A famous Chinese proverb once said: “Tell me and I will forget. Show me and I may remember. Involve me and I will understand.” This can’t be truer especially when learning a new skill like playing the guitar, culinary arts, computer programming and even in stock trading. Sure you can learn these things through reading but books can only take you so far. Nothing beats hands on learning which allows an individual to directly observe and understand a certain discipline.

Giving importance on showing rather than telling, Regina Online Investing took the usual stock seminar to the next level by hosting its first Stock Market Live Coaching last Sept 16 at the Y2 Hotel. Unconventional topics discussed during trading hours includes Ticker tape reading, How to read trends and signals on a live chart, How to manage trade emotions and Why peso cost averaging is not a strategy.

But what sets apart this seminar from the others? Here’s a rundown on some of the key takeaways during the stock market live coaching:

How to read trends and signals on a live chart

One of the reasons why chart analysis has become increasingly popular among traders is because of the availability of sophisticated charting software. The easy access to internet charting has also paved the way for quick dispersal of technical information. However, not everyone can read the underlying buy and sell stock signals

Read more: https://roi.ph/live-coaching-can-make-millions/

GUIDE: Five tips to start investing in the Philippine stock market

Philippine Stocks :  GUIDE: Five tips to start investing in the Philippine stock market

There are several investments even an ordinary Juan can put their money into like savings accounts, pooled funds, insurance policies, and the stock market.

And with expectation that the Philippine economy would grow by seven to eight percent this year, especially with cheaper oil prices, excess cash could be used to take advantage of these investment instruments.

Out of these four, trading stocks could prove to be the one that gives you the highest returns.

But when it comes to stock trading, there is no single rulebook that will tell you what you should do or where you should invest in.

Read more: http://www.gmanetwork.com/news/story/467726/money/personalfinance/guide-five-tips-to-start-investing-in-the-philippine-stock-market

The Board Lot Table

How much is the minimum amount of investment?

Trading of stocks is done by board lot or round lot system. The Board Lot Table determines the minimum number of shares one can purchase or sell at a specific price range. Therefore, the minimum amount needed to invest in stocks varies and will depend on the market price of the security as well as its corresponding board lot.

Prices of stocks move through a scale of set price fluctuations. Prices are thus adjusted along these fluctuations at a time. Transactions which are beyond the prescribed number of maximum fluctuations from the last sale price are not allowed.

Price Range (Pesos)			Board Lot (Min # of shares)
0.0001	to	0.0099	1,000,000
0.010	to	0.049	100,000
0.050	to	0.249	10,000
0.250	to	0.495	10,000
0.50	to	4.99	1,000
5.00	to	9.99	100
10.00	to	19.98	100
20.00	to	49.95	100
50.00	to	99.95	10
100.00	to	199.90	10
200.00	to	499.80	10
500.00	to	999.50	10
1,000	to	1,999	5
2,000	to	4,998	5
5,000	to	UP	5

Read more: http://www.pseacademy.com.ph/LM/investors~details/id-1317973500501/The_Board_Lot_Table.html

New to Investing

Stocks are shares of ownership in a corporation. The stock market is a place where stocks are bought and sold. The Philippine Stock Exchange (PSE) is the corporation that governs our local stock market. People buy or invest in stocks to benefit from a company's tremendous value potential over time.

Once you buy or invest into a stock you now become part owner or a shareholder of that particular corporation

Read more: https://www.colfinancial.com/ape/Final2/home/new_to_investing.asp

Download the latest PSE Information Primer
https://www.colfinancial.com/ape/Final2/home/pdfs/pse_col_primer_v2012.pdf

Philippine Stocks - Bo Sanchez : My Maid Invests in the Stock Market...

Here's an inspiring ebook authored by Bo Sanchez found on the internet,  I hope this will change the mindset of every Filipino on Philippine stocks investing.

http://trulyrichclub.com/My_Maid_Invest(shortversion).pdf

Philippine Stocks - Warren Buffett Stock 101

Here's a good video to learn stock basic "Warren Buffett Stock 101:

Using the technique from Warren Buffet Stock 101 to filter stocks in the Philippines.

To learn more about stock screener click the url below:

http://ph-uvs.blogspot.com.au/2016/09/msn-money-stockscreener.html

Philippine Stocks - COL's Easy Investment Program (EIP)

The COL EIP is an easy and simple way to start investing in the stock market. For as low as Php 5,000, you can start building your personal wealth while minimizing your risk and maximizing your returns through the time-tested strategy of peso-cost-averaging.

Find out how investing small amounts on a regular basis can substantially increase your profit over time. The COL EIP makes stock investing even more convenient with features such as the auto-calendar and auto-reminder tools to allow you to set-up your investing schedule. Learn more about our COL EIP by viewing our orientation video below:

                                                                                     (Source:: https://www.colfinancial.com)

COL's Easy Investment Program (EIP)

COL's EIP in Action

COL's Premium Growth Stocks

Creating an EIP Schedule

Reviewing your EIP Schedule

How to Modify your EIP Schedule

How to Buy your EIP Shares (Manual Mode)

How to Buy your EIP Shares (Auto Mode)

Managing your EIP Investments