Stock prices go up or down because of a lot of factors.
It is affected by the economy, business performance, political situation, and world events.
Stock market traders take advantage of this up and down movements.
They will buy when the prices are low, and sell when the prices are high.
This can happen in a matter of minutes. Mabilisang kita, but it is risky because the buying and selling should be timed exactly. If not, they will lose money.
What if there is a way to invest in the stock market that is steady and safer? Regardless of your age, income, and experience, you can be part of the growth of the Philippine stock market. How? through Peso Cost Averaging.
Peso Cost Averaging is a strategy that long-term investors use to invest in the stock market. It involves investing a fixed amount of money at regular intervals over a long period of time (10- 20 years).You do this regardless of the situation in the market, government, or the rest of the world.
You can master this strategy in 3 simple steps:
- Choose a stock where you will invest
- Decide how much you want to invest
- Determine how often you wish to invest on a regular basis
Did you know that you can start investing in solid and growing companies for as low as P5, 000? Do this monthly, semi-annually, or annually. It is all up to you! By using this strategy, not only you minimize the risk but also lessen the need to constantly monitor the market.
In the above illustration, the investor purchases regularly, even if the prices are going down or going up. If you have chosen your stock/s wisely, your investments will increase in value.


sir aya..ganda gabi po dyan sa pinas at sa iyo po….san ho ba pede mag invest o broker o mutual fund ba???kasi po wala talaga ako alam ehh..pero gusto ko po mag invest para kahit papaano po lumaki pa ng husto ang iniipon kong pera…kasi yung pera ko po sa bangko naka tengga lang ehh..tapos napakaliit ng enteres…ok po sana kong malalaman ko kong san ba talaga pede mag invest ng pera sa stock market…sana ma2longan nyo po ako sa malaking problema ko…..madaming salamat po at madami po ako na22nan sa inyo kahit hindi po ako halos tapos sa pag aaral…dahil po sa inyo nagkaroon ako ng madaming kaalaman tungkol sa pera…thanks po at god bless sir aya!!!
Best place to start would be through our seminars.
That way, you can choose whether you want to buy stocks or mutual funds. Magkaiba kasi iyon and the firms that provide them are also different. Once you understand how they work, you can choose which one you like more and go on from there.
Sir Aya,
OFW po ako at medyo tumatanda na ako sa abroad. Gusto kong magstart mag-invest Saan po ba ako pwede maginvest as OFW to start safe investing? kasi wala ko more time to minotor un iinvestment ko but I can invest on a monthly or quartely basis basta alam ko safe un investment ko. Gusto ko rin pong maunawaan sa initial 5K na iinvestment ko sa isang company and another 5K sa following months, ibig sabihin ba nun pumapatong un sa initial investment ko? or i have to invest 5K to another or different company every month. Ano po ba ibig sabihin nun?
Salamat po at Happy New Year
Dhelmo – Qatar
@Dhelmo,
Sa lahat ng klase ng investment ay mayroon risks. Pagtaas ng risk, paglaki din ng kita. Ganun ang paginvest sa stock market.
Kailangan mo munang mag-open ng account sa isang stockbroker gaya ng COL Financial. Initial amount lang naman yung Php5,000. Sa susunod na buwan or quarter, ikaw na bahala kung magkano ang bilhin mo. Pwedeng Php1,000 na halaga ng shares or pwedeng Php10,000. Desisyon mo yan kung magkano at anong companies ang bibilhin mo. Halimbawa, ang BPI ay nagbebenta ng shares na less than Php1,000. So makakabili ka ng shares worth Php1,000. Meron ka pang natitirang Php4,000 sa unang Php5,000 na ipinasok mo sa investment account mo. Hanap ka pa ng ibang companies na pwede mong mapagkasya ang Php4,000 mo.
Pero para mamaximize mo ang benefit ng “cost-averaging”, kailangan na fixed amount ang ibibili mo for, let’s say, every month or every quarter. Pero gaya ng sabi ko, pwede mo naman dagdagan ang Php5,000 investment mo sa mga susunod na buwan. Ang importante bilhin mo ang shares ng mga pinakamalalaking companies sa Pilipinas.
hi sir aya! san po mkk.download ng forms from COL? i’l be starting to invest po kasi soon. pero yung EIP lang po. Thank u
Forms are available sa http://www.colfinancial.com po
un EIP po ba ay Short Term Investment?
Hello everyone!
I attended the seminar on Investing in the Stock Market Today last March 7. I have no knowledge about the stock market but i would like to invest in it. When I attended the seminar, i learned more about the Philippine stock market and realized that the cost averaging system can really work, with your determination and persistence, of course. Before investing, I suggest you make a personal plan on how much you will invest, the frequency of investment, and identify the number of years you plan to invest. A word of caution: NEVER be distressed if the value of your stocks increases or decreases – because it surely will – just keep your focus on your goals and you are sure to harvest your profit in 5 or 10 years time, depending on your target.
As for me, A week after attending the seminar, I invested in their EIP… Hoping to have a good harvest in 5 years-time. ^_^
Sir Aya, meron po ba kayo dito seminar or outlet sa Col Financial sa Mindanao, sa Cagayan de oro po. Kasi sa manila lang ang Col.
@alvin cruz, try to follow the peso cost averaging strategy. Enroll with colfinancial.com – email them. I believe you can enroll online even if you are overseas. Most of all, keep studying about money, do you own research
@alvin cruz, yes you can download the application forms online at http://www.colfinancial.com. I also applied online last year since I am in Qatar.
sir jun postol d2 din poba kau sa qatar? kc kung ng invest po kau sa col mag tatanung po sana ako at mag papaturo
Tama! asking questions and joining forums are a good start!
This is a great tip! It’s a great way to passively invest, and at the same time allows anyone to invest in the stock market without needing to be an expert stock picker or broker.
Hopefully a lot of people will realize how great Peso Cost Averaging can be for them.
PaanPaa
Paano sir, eh malayo kami s pse office…. My mga bank n tatangap kung bibili ng share sa compocompany?
Sir Aya,
OFW po ako at medyo tumatanda na ako sa abroad. Gusto kong magstart mag-invest Saan po ba ako pwede maginvest as OFW to start safe investing? kasi wala ko more time to minotor un iinvestment ko but I can invest on a monthly or quartely basis basta alam ko safe un investment ko. Gusto ko rin pong maunawaan sa initial 5K na iinvestment ko sa isang company and another 5K sa following months, ibig sabihin ba nun pumapatong un sa initial investment ko? or i have to invest 5K to another or different company every month. Ano po ba ibig sabihin nun?
Salamat po at Happy New Year
Dhelmo – Qatar
Hi Aya! Question, let’s say I invested 5,000 pesos in Company A monthly. Should my next placement be in Company A still? Or can I choose other stocks for the following months? Thanks!
Sisingit lang ako kay kaibigan Aya…
@Val, hindi naman kailangan na si Company A ulit ang bibilhin mo sa sunod na period. Pero para hindi malikot ang galaw ng investment mo, I suggest na mag-stick ka lang sa isang o dawalang companies. Besides, hindi lang naman isang company ang mabibili mo sa halagang Php5,000 mo.
hi sir burn sa COL po b mganda magseminar id really like
to attend.
Bukod sa COL Financial, pwede din kayo umattend sa free seminars ng ibang brokers gaya ng Firstmetrosec, Philstocks, etc.
Hello sir Aya and to all members of Pesos & Sense, I want to thank you for sharing this site marami po akong natutunan about financial literacy. through reading your blogs & watching your videos it inspired me to learn more on how to invest in stock market. I want to start EIP but before I start I want to be familiarize on how to manage my online acct. Do you have some virtual stock market acct. of CitisecOnline? thanks:)
Hello Nelly, pwede ka magregister para sa free trial account ng COL Financial: https://www.colfinancial.com/ape/Final2/home/demo_account.asp
Meron din free trial accounts ang FirstMetroSec at BPI-Trade, pati na iba pang online stockbrokers.
Does the peso cost averaging also apply to mutual funds and balanced fund?
@zandra, ang balanced fund ay isang uri ng mutual fund. Kalahati nito ay iniinvest ng isang fund manager sa mga stocks, at ang kalahati naman ay sa mga fixed income securities gaya ng bonds at bills.
And yes, peso cost averaging strategy can be used for your investment in mutual funds. Long-term investment ang purpose mo kung bakit cost averaging ang gagamitin mong strategy. Personally, long-term means more than 10 years.
Gusto ko rin itong matutunan. Where to start for noobs like me?
Thanks!
Hi Albert, you’re already having a good start–you are reading our blog and asking questions. Just continue reading our other blogs and watching our videos. Then you can Google some more. Join our Facebook page. We post updates and tips there as well. Good luck!
Sir Aya, thanks po dahil po sa Youtube channel nio napa-invest na din ako, may question is ang layu po ng Buy Below suggestion ng COL sa current price ng isang stock, narereach po ba talaga yung price na iyun once bumaba ang price ng stock
Usually, oo but not 100%. It just takes time.
Good am/pm Sir Aya,
Napanood ko yong lahat na episodes pesos and sense and gusto ko din umattend ng inyong mga seminars pero pag uwi ko na , gusto ko ng mag start ng invest, wait ko lang yong bank statement galing pa dyan sa pinas .wala naman kasi akong bank statement or bills dito abroad.
Tanong ko lang sir, kailangan ba araw araw na nakamonitor ako dyan sa Peso cost averaging?
ako rin gusto ko mag seminar kso dito pa ko sa ibang bansa, pag uwi ko mag seminar din ako… sabay tau eve =) hehe
good para marami tayo.
good day! ask ko lang po kung sa Peso Cost Averaging eh sa isang company lang po ako bibili ng shares no matter if the market is up or down? lets say 5k monthly, ….tnx po
Yes po.
Hi sir aya. Gusto ko din po magstart mag-invest & possibly through peso cost averaging.
How can i start po?
ask ko lng po if sir aya if meron p kyong next seminar. puno na kc ang slot pra s march 2 n seminar nyo…
Sir Aya, I am an OFW for 9 years to be exact. I purchased online and watched the Module 1 seminar. Ive also watched the episodes of pesos and sense. Marami akong natutunan dito and at the same time nagbasa rin ako sa citisec online to get familiarize kung paano mag invest at para maintindihan ang Peso Cost Averaging. I am really interested to invest, I emailed citisec online and submitted my application form. Sir Aya, please help me to fully understand ung peso cost averaging. I want to start investing 5k every month. Isang company lng ba pwede mag invest? Is it only buyinf of the stocks for lets say 10 years then tsaka mo ibebenta? Please advise. Thank you.
Pwede yang isang company lang or combination of (big) companies na pinaniniwalaan mong tatagal ng mga 5, 10, 20 or even 30 years depende sa haba ng panahon na gusto mo mag invest. Ang importante tuloy tuloy. May schedule ka (monthly, quarterly, yearly) na sinusunod kahit mataas o mababa ang presyo. Pagdating ng target date mo, say on the 5th year, dun mo lang ica-cash out. Mas mahabang panahon mas maige
Thank you for the info! I want to learn more about this.
Hi guys,
If I choose to invest 2k a month for the next 20 years sa iisang company. nakapaglaan na ako ng 2k x 12 x 20 = 480,000 pesos. What if I have that much money now and ibili ko na lahat ngaun pa lang, and just wait for 20 years. pwede rin ba to?
@lernzki
If the market crashes, you’ll have a heart attack. Even if you know that it’ll go up again in the future, it’s still depressing.
Divide it and invest every month. that way, if the price goes down, small amounts will be buying more shares in the next few months. If the price goes up, you’ll still be earning very well from your first investments.
just read my maid invest in the stock market by bo.sanchez
ganda araw po sa lahat…Pano po ba makapag umpisa..pede nyo po ba ako matulungan wotking abroad po ako at naghahanap ng something na pwede kitain pagdating ng araw..salamat po
Pakibasa po ang reply ko sa inyo sa ibaba.. You can click my name so you can see our FB group. Thanks!
@bobo disregarding what I will be feeling, what will happen to the money after 20 years? will it earn more than when i invest monthly for the next 20 years? or less? or is there a difference? Thanks for the recommendation I will order it.
@lemzki tataas yan after 20 years
Hi Sir Aya,
Gusto ko lang po malinawan about sa treasury bond and bills…bakit po ito inooffer ng mga banks and governments anu po ang nagagawa sa kanila ng mga ito? ty
@Ediliza Manalo.. Kung gusto nyo po maunawaan ang stock investing, meron syempreng learning curve and it takes time para mas matutunan natin ito para mapangalagaan natin mabuti ang ating investment. Pero sa mga tulad nyo at tulad ko na mahirap makahanap ng time para mag aral ng stock investing, I highly recommend yung ebook ni Sir Bo na ni recommend din ng friend ko. Dahil dito at sa natutunan ko, nakapag start agad ako makapag invest and now under the guidance of the man himself. It’s all about investing and not trading so the risk is almost zero kapag sinunod mo ang mga turo nya. You can check out our fb group so you can meet fellow Kababayans all around the globe na interested din makapag simula sa stock market investing. Thanks po and God bless..
Very good concept. I’ve been using this method since I started investing in the stock market. Like you said, it’s a safe method. I was wondering, is there any formula on this method? I mean a formula that can be programmed into excel spreadsheet? so that it would be easy to compute your average value even you have not buy any stocks yet. Looking forward to your reply. Thanks..
As always, pesos and sense gives the best free information on how to invest in the stock market. My only comment is that I think you need a little bit to explain more about that graph in the article. Some people might not too good on reading graphs.
question po..
say i’ve been investing 5k monthly for a specific stock but for this month when i checked the investement guide in citiseconline it says that tha COL rating is Hold. should i still buy the stock or wait till the rating is Buy?
many thanks!
pag nag-invest po ako ng 5k. every month po ba kumikita? meron po ba syang dividends?
good morning,
ask ko lng po, ano ibig sbhin ng VALUATION, and fundamentals. These affect the recommendation of the broker. Thank you and more power.
Hi Sir Aya/Pesos and Sense,
Makakaapekto ba sa investment rating ng Pilipinas ang pagbaba ng PSEI natin to 6640 as of today? Can we still consider PSEi as healthy at this point in time or is it starting to deteriorate? Thanks.
Goodday po sa lahat, me question lang po ako. Si misis po kasi merong Meralco Stock Certificate – 303 shares with par value of 10 Php wayback 2001. Ang gusto kasi nya, iconvert na sa cash. Paano po ba proceso kung gusto ng papalitan ng cash ang stock certificate at magkano na po ang halaga nito? Maraming Salamat.
P.S. I’ am planning to invest in the stock market through COL Financial using the EIP strategy. Maraming salamat at me ganitong website/blogsites na talaga namang nakakataulong sa mga tulad kong newbie.
Hello Aya,
First of all, I want to thank you for making these financial education resource available for people like me. On the topic of “compound interest”, which investment vehicle maximizes this kind of feature? in addition, do VUL offered by life insurance companies operate as a “simple interest” or as a “compounding interest”?
Thank you!
sir
good afternoon
tatanong ko lang kung pinagkaiba ung EIP sa pinaplano kong gwin .. that I will buy stocks at the lower price since I can watch the market. and HOLD it. parang EIP. kaso I choose when to buy stocks at lower price? instead of clicking EIP. I choose Trade?
I appreciate your effort in answering my question. thank you in advance
Hi! I’m an 18-year old college student. I’m really interested in investing my money on PSE. I’m planning to attend a seminar this coming Wednesday as well. I looked up the forms on COL and they’re asking for too much information that I can’t provide at the moment (assets, networth, sss id num.) What should I do about it? I read on your blog that you started investing when you were still in HS. How did you do it? Thank you so much.
Sir Aya,
Good day po, ask ko lang po about sa joint account, yun po bang 5k eh sa aming 2 na ng kasama ko?
Sir Aya,
Good day po, ask ko lang po about sa joint account, yun po bang 5k eh sa aming 2 na ng kasama ko?
Thanks po
Sir Aya,
Good day po, ask ko lang po about sa joint account, yun po bang 5k eh sa aming 2 na ng kasama ko? COL investor po..
Thanks po
Hello po ano po ba ang difference ng balance and equity? San po sa dalawa maganda mag invest? I’m investing kasi in mutual funds and intetested din amo dito sa stock market. Thanks po.
joan. ang balance iniinvet ng fund manager sa combination ng fixed income securities(pautang sa govt or corporations)and stocks.ang equity naman pure stocks. kapag mataas ang risk mataas din ang return.mas mataas ang risk sa pure equity kesa sa balance likewise mas malaki din ang return sa pure stocks than balance.
good day po….
meron po ba kaung seminars na nasa you tube?
sir aya mag kano po yung membership if ever meron and magkano kung monthly investment.kc po OFW po ako and gusto ko po mag-invest..more sa show mo pesos and sense.
Hi Sir Aya,
Sa katulad kong nag-iinvest na in Mutual Funds, how do I monitor my investments in different categories like Bonds, Balanced and Equity if it is growing?Do I really need this three?
@ sir Aya,matagal po ba talaga maprocess pag nag open account?sa colfinancial po ako nag open.
Kung mag open ako ng 5000 investment sa col pwede bang 1k monthly lng ang iinvest ko.Or kung magkano lng kaya mong invest na halaga.
pwede pa ban baguhin yung bank account na enroll n sa col financial
Hi, Sir Aya
Gus2 ko po mag open ng account sa col d2 po ako sa abroad panu po ba mag open online? at may PNB account transfer ba na pwedi sa col para makapag start ako po,
Thnks
Hi! I just want to check if anyone of you have tried to do cost averaging on a daily or weekly basis. For example.. if I buy shares today (Php 10.00/sh) and after few days or a week, price dropped to Php 8.00/sh. Is it ok to buy again just to recover the loss?
Turn the ham every other day so that all parts are well-covered.
E Cigs will never make your breath stink nor will it ever stain your teeth.
Having access to a fish smoker in your own home opens up the variety of delights that can be produced.
Sir Aya..good day.can I use an EIP account for trading as well?
hi sir, as you always suggest to the newbie, to attend first in the seminar to understand more. Do you have a scheduled seminar for this year here in Cebu?? sana mag conduct din po kayu dito sir, para naman maka sali kami.. I am interested to invest in stock market for my retirement fund.. thank you and God bless us all!
Cost-averaging, hindi ba ganito din ang strategy ni Warren Buffet?
Ask KO lang po tuwing kilan po seminars and planning to join for learning about investing money ,,by this coming May uwi no ako ng pinas, gusto KO matutunan lht pati nrin pro yon s trading thanks
Sir Aya ask ko lang if I invest 5k monthly for example in ALI, minimum 100 shares sila eh so kung 30 bawat share, mabibili lang ng 5k ko 100 shares and that’s equivalent to 3k. magkakaron ako ng sobrang 2k, ung sobra ba dapat ko invest pa sa ibang company or maghintay na lang ako sa susunod na buy ko?
Thanks!
As I observed, backtracking messages, it seems super busy si Sir Aya not to accommodate each and everyone’s queries, and we understand that.
to Mr Gio, ang sabi nyo po minimum 100 shares, meaning hindi bababa sa 100 shares ang dapat mong bilhin. So invest the P5K fully. And I think, 100 shares is not equal to P3K since may additional cost pa po yan which includes taxes and commission (correct me if I’m wrong po).
Best regards and happy investing! Cheers!
How can I invest a fix amount of money if the stock that I’m planning to buy monthly is constantly changing in price. For example I want to buy P1000 worth of share monthly, but it’s price for this month is P11 per share and I’m only allowed to buy 10 share.
Hi sir..kindly explain what do you mean. Cuz if the price you want to buy is 11/share that means your minimum lot size is 100 share. And if you want you can buy 1000 shares as long as you can afford.
It’s in point of fact a nice and useful piece of info. I’m happy that you just shared
this useful info with us. Please keep us up to date like this.
Thank you for sharing.
Sir college student po ako.gusto ko pong maginvest sa mga ipon ko po.anu po ba ung mairerecommend ninyo? THANK YOU
paano po magstart ng investment sa COL..thanks pp
Cha, basa ka lang ng mga blogs dito pati video clips panuorin mo.
Tanong lang po.. pano kapag naubos mo na yung initial deposit mo na 5k.. kailangan po ba magdeposit ulit para makabili ulit ng ibang stocks? bills payment po ba ulit ang gagawin kapag ganun? Thanks po..
Roseane, ganun na nga. Kailangan mong pondohan ang stock investing account mo para makabili ka ulit ng new shares.
hi there, peso cost averaging pa rin ba if for example, monthly ako bibili ng 50shares ng isang company pero in different day/date every month..pls reply po. yhanks
Walang problema kahit anong day of the month. Importante hindi ka papalya every month. Pero siempre mas ideal na medyo malayo ang agwat ng pagbili mo. Like at least 3 weeks apart.
sir me bayad ba ang seminar? at san po ito ginaganap? salamat po sa sasagot.
hi po!Im OFW po im planning to invest in stocks.I try a COL free trial just wanna ask ano po ung mga dapat iconsider sa pgbili ng stocks ng company.At ano po pagkakaiba ng price at buy below?Sana po matulungan nyo ko or any advise for me para makapagstart.Salamat po!
hello po, gud day Mr. Aya, sa investment po ba pwede bang gamitin ang 2 strategies n trader(buy and sell) at ung Peso cost averaging sa isang company?
Hi sir aya,
Kung sakali at mayroon ka 100k pesos on hand, at gusto ko ibili ng shares ng isang co s stock market, ok b na s isang co lng ibili lahat yung 100k ko?
Thnks in advance.
Hello.. gusto ko po sana mag invest.. ung sa peso cost averaging po-. Monthly po sana.. kaya lang gusto ko po sana for example. . Minsan 5k, minsan 20k minsan skip.. iba iba po.. dhl d po kc masabi mga future na gastusin di ba po.. pero gusto ko po ndi masayang ang pera ko.. bka kpg ndi po ako nakahulog e mawala lahat ng invest ko.. sa mutual funds din po.. pero cnu kukuhanin na fund manager. At panu malaman na trustworthy po.. dami po tanong sori.