Investing in the stock market has become more accessible than ever, especially in the Philippines, where online platforms and mobile apps have opened the doors to everyday Filipinos. If you're thinking of growing your money through stocks but aren’t sure where to start, this guide will walk you through everything you need to know.

What Is Stock Investing and How Does It Work?

When you buy a stock, you're purchasing a piece of a company—called a "share." As the company grows, the value of your share may increase. Some companies also pay dividends, or a portion of their profits, back to investors.

In the Philippines, the stock market is primarily operated through the Philippine Stock Exchange (PSE). To invest, you need to go through a PSE-accredited broker, either traditional (through human brokers) or online (through apps or web platforms).

Is Stock Investing Risky?

Yes, it comes with risks—stock prices go up and down, and there's no guarantee you'll make money. However, risks can be managed through:

Research: Know the companies you’re investing in.
Diversification: Don’t put all your money in one stock.
Long-Term Thinking: The market may fluctuate in the short term, but history shows that it generally grows over time.
Start Small: Begin with money you can afford to lose.

Risk is part of growth. The key is to understand and manage it, not avoid it completely.

Where Can You Buy Stocks in the Philippines?

To buy stocks, you need to open a trading account with a licensed stockbroker. You can't buy directly from the PSE as an individual. Some of the most popular online stockbrokers include:

🔹 COL Financial

One of the most well-known brokers. Offers easy access for beginners with free webinars and research tools. Minimum investment: ₱1,000.

🔹 BDO Securities

Operated by BDO Unibank. Offers integration with BDO accounts for convenience.

🔹 First Metro Securities

Backed by Metrobank. Offers access to educational resources and tools for beginners and seasoned investors.

🔹 BPI Trade

Perfect for BPI account holders. Not the most beginner-friendly interface but secure and trusted.

🔹 Philstocks

Low fees, user-friendly interface. Good for both beginners and active traders.

🔹 AB Capital Securities

Another option for beginners with basic educational support and a mobile platform.

Visit my full list of 10 Best Online Stock Broker Platforms in the Philippines to learn more.

Do Stocks Give Dividends? How Do You Get Them?

Yes! Some companies listed in the PSE pay dividends—either cash (deposited directly into your account) or stock dividends (additional shares).

To receive dividends:

Buy shares before the ex-dividend date (announced by the company).
Hold your shares through the record date.
Dividends will be credited automatically to your broker account.

Tip: Look for companies with a strong history of dividend payouts (called “blue-chip” companies) like Ayala Corp, Jollibee, or PLDT.

What Are the Best Apps to Use?

Most brokers have mobile apps or web platforms. Here are some apps you can use:

COL Financial
Philstocks Mobile
First Metro Sec Go
BDO Securities
BPI Trade
GCash (via GInvest) – For indirect investing via mutual funds and ETFs, not individual stocks
Seedbox or Etoro (for global stocks) – not PSE, but useful for diversification later

Make sure to verify that the broker is registered with the PSE and the Securities and Exchange Commission (SEC).

Tips for Starting Your Investing Journey

Educate Yourself

Read beginner books, watch YouTube videos, and attend webinars. Knowledge is your best protection against risk.

Set Financial Goals

Why are you investing—retirement? A house? Define your goals so you know your time horizon and risk appetite.

Start Small, Think Long-Term

Even ₱1,000 is enough to begin. What matters is consistency and discipline.

Don’t Chase the Hype

Avoid “hot tips” or trending stocks unless you've done proper research.

Track Your Progress

Review your portfolio monthly. Learn from mistakes and wins.

Use the Peso-Cost Averaging Method

Invest a fixed amount regularly, regardless of market conditions. This helps manage risk over time.

Avoid Panic Selling

Markets dip—it's normal. Think long-term and stay calm.

Final Thoughts

Stock investing in the Philippines isn't just for the wealthy—it’s for anyone who wants to grow their money smartly. With the right tools, a bit of patience, and consistent learning, you can build wealth over time.

Remember, the best time to start investing was yesterday. The second-best time? Today.

The Ultimate Beginner’s Guide to Buying and Investing in Stocks in the Philippines