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The Philippine stock market has historically been intimidating for beginners due to complex platform interfaces, tedious account opening procedures, and high entry costs. InvestaTrade, created by Investagrams, was developed specifically to solve these pain points.



Known widely as the most popular social trading community in the Philippines, Investagrams launched InvestaTrade as a streamlined, all-in-one brokerage ecosystem. It combines chart analysis, real-time alerts, conditional trade automation, and portfolio tracking into a single app. Whether you are a beginner taking your first steps with a ₱100 budget or a disciplined dividend investor, here is your ultimate guide to mastering InvestaTrade.



What is InvestaTrade?

InvestaTrade is a fully digital stock trading platform regulated by the Securities and Exchange Commission (SEC) and operated in partnership with licensed Philippine brokerage firms. It provides access to over 150 listed equities, Real Estate Investment Trusts (REITs), and preferred shares on the Philippine Stock Exchange (PSE).




Standout Features of InvestaTrade


1. Zero Minimum Deposit & Ultra-Low Start

Unlike traditional brokerages that require thousands of pesos to activate an account, InvestaTrade has no minimum deposit requirement and no maintaining balance. You can open an account for free and begin executing stock trades with as little as ₱100.


2. Built-in Automation: Take Profit & Cut Loss Rules

One of InvestaTrade's biggest advantages for busy investors is its Conditional Orders feature:

  • Automatic Stop-Loss: Set automated rules to sell a stock if the price drops below your risk threshold, preserving your capital without needing to monitor the market constantly.

  • Take-Profit Targets: Lock in capital gains automatically when a stock hits your target price.


3. Integrated Investagrams Analytics & Real-Time Alerts

Because it shares the technology stack of Investagrams, InvestaTrade includes:

  • Real-time Price & News Alerts: Instant notifications on mobile devices when stocks hit specific price levels or issue corporate disclosures.

  • Unified Single-Page Interface: Explore, chart, order, and review your portfolio without switching back and forth between separate research tools.


4. Dividend Tracking Hub

For passive income investors, InvestaTrade provides a dedicated dividend tracking dashboard. You can track cash payouts, upcoming ex-dividend schedules, and review your portfolio's cumulative passive earnings over time.




InvestaTrade Account Summary & Fee Structure


FeatureDetails
Account Opening100% Digital / Paperless
Minimum Initial Deposit₱0 (Start trading with ₱100)
Maintaining Balance₱0
Brokerage Commission RateStandard 0.25% of gross trade value
Regulatory Taxes & FeesStandard PSE, SEC (0.005%), SCCP (0.01%), and Stock Transaction Tax (0.6% on sales)
Deposit / Withdrawal MethodsE-Wallets (GCash, Maya) & Major Local Bank Online Transfers


Step-by-Step Guide to Opening an InvestaTrade Account

Getting started on InvestaTrade takes only a few minutes from your smartphone or desktop computer:

  [Step 1]                 [Step 2]                 [Step 3]                 [Step 4]
Download App /           Submit e-KYC             Fund Your Wallet         Execute First
Create Account    ──>    Information & ID   ──>   via E-Wallet or    ──>   Stock Trade on
(Mobile or Web)           Photo Verification        Online Banking           the PSE

Register Your Account: Download the InvestaTrade app (available on iOS and Android) or visit investa.trade.

Complete Digital KYC (Know Your Customer): Fill in your basic details, Tax Identification Number (TIN), and financial profile—no video call appointments required.

Upload Valid ID: Submit a clear photo of a valid government-issued ID (e.g., Passport, UMID, Driver’s License, or SSS ID).

Fund Your Account & Trade: Cash in instantly using online banking or supported e-wallets, then navigate to the trading screen to buy your first stock or REIT.



Pros and Cons of InvestaTrade


Pros


Beginner Friendly: Clean design with low barrier to entry (no minimum deposit).

Conditional Orders: Automated cut-loss and take-profit features protect trades hands-free.

Mobile-First Experience: Excellent app integration with real-time push notifications.

Instant Cash-In/Out: Easy transfer rails through top local payment channels.


Cons


PSE Focused Only: Designed primarily for Philippine equities (no direct US stock trading).

Requires Active Data: App relies heavily on real-time data feeds, requiring a stable internet connection.


InvestaTrade makes entering the Philippine stock market seamless and accessible. By stripping away complex paperwork, lowering deposit barriers, and offering built-in conditional trading tools, the platform caters equally well to retail investors building dividend portfolios and traders managing market swings.

If you are looking for an intuitive, mobile-ready broker with strong community roots and automatic risk management tools, opening an InvestaTrade account is a smart step toward growing your financial assets.



InvestaTrade Guide: How to Trade Philippine Stocks and REITs Effortlessly


For many investors, the ultimate financial milestone isn't just accumulating a large net worth—it is creating a predictable, recurring stream of income that covers living expenses without requiring active labor.



Building a cash-flowing portfolio is one of the most effective ways to achieve true independence. By combining dividend-paying equities with high-yield savings accounts, it is possible to design a balanced financial engine that yields ₱52,116.67 in net monthly passive income from a ₱10.5 Million target capital.
Here is a breakdown of how this blueprint works across dividend stocks and digital banking vehicles.


1. The Growth Engine: Dividend Stock Portfolio

The cornerstone of this strategy relies on dividend-yielding stocks. Dividend investing provides regular cash distributions while allowing the underlying capital to grow alongside the economy over the long term.

Target Allocation: ₱9,000,000.00

Expected Annual Yield: 7.0% per annum

Gross Annual Income: ₱630,000.00

Net Annual Income (after 10% tax): ₱567,000.00

Net Monthly Cash Flow: ₱47,250.00

By focusing on high-dividend Philippine equities—such as Real Estate Investment Trusts (REITs), utility powerhouses, or telecommunications giants—a 7.0% annual yield is an achievable benchmark. After accounting for the standard 10% final withholding tax on cash dividends for local stocks, this ₱9M allocation alone carries the bulk of the portfolio, generating ₱47,250.00 every month.




2. The Stability Cushion: High-Yield Digital Savings

While stocks drive the majority of the yield, keeping a portion of capital in digital banks provides liquidity, principal stability, and low-risk yields. Combining traditional and digital banks optimizes return on cash reserves.

(Note: All bank interest earnings in the Philippines are subject to a 20% final withholding tax.)


A. BanKo (BPI Direct BanKo)

 * Target Allocation: ₱1,000,000.00
 * Interest Rate: 5.0% p.a.
 * Net Monthly Cash Flow: ₱3,333.33


B. Maya Bank

 * Target Allocation: ₱100,000.00
 * Interest Rate: 10.0% p.a. (Boosted Rate)
 * Net Monthly Cash Flow: ₱666.67


C. MariBank

 * Target Allocation: ₱400,000.00
 * Interest Rate: 3.25% p.a.
 * Net Monthly Cash Flow: ₱866.67

Combined, these savings allocations account for ₱1.5 Million, generating a reliable ₱4,866.67 per month in net interest.



The Big Picture: Net Monthly Summary

When you combine dividend equities with high-interest bank accounts, the portfolio reaches a total capital size of ₱10,500,000.00.

Asset / SourceCapitalRate / YieldNet Monthly Income
Dividend Stocks₱9,000,000.007.0% p.a.₱47,250.00
BanKo₱1,000,000.005.0% p.a.₱3,333.33
Maya Bank₱100,000.0010.0% p.a.₱666.67
MariBank₱400,000.003.25% p.a.₱866.67
TOTAL₱10,500,000.00—₱52,116.67


Turning the Vision into Reality

Reaching a ₱10.5M portfolio doesn't happen overnight. It is built brick by brick through consistent deposits, disciplined budgeting, and automatic reinvestment of earnings during the accumulation phase.
By mapping out exact target numbers today, the goal shifts from an abstract idea into a concrete destination. Whether your milestone is ₱5,000 or ₱50,000 a month, setting up a structured roadmap is the first real step toward buying back your time


How a ₱10.5M Target Portfolio Can Yield ₱50,000 in Monthly Passive Income


In a major move for digital banking in the country, the Bank of the Philippine Islands (BPI) has announced that it will permanently eliminate transaction fees for interbank fund transfers made via InstaPay and PESONet beginning July 1.

The policy shift applies across BPI’s primary digital banking channels, providing significant relief to millions of retail consumers and business clients alike.



Broad Digital Platform Coverage

According to reports obtained by InsiderPH, the zero-fee transaction structure will be rolled out natively across BPI's entire modern digital ecosystem. Supported platforms include:

BPI Mobile App: The flagship mobile application for retail banking.

BPI Online: The standard desktop and web banking browser platform.

VYBE: BPI's proprietary digital e-wallet.

BizKo: The dedicated platform optimized for micro, small, and medium enterprises (MSMEs).

To take advantage of the permanent waiver on July 1, individual users are advised to update their applications to the latest build released on June 25 via the Apple App Store, Google Play Store, or Huawei AppGallery.



Aligning with Central Bank Objectives

The policy update impacts over nine million registered BPI application users, who can now move money to other banking institutions and major e-wallets without facing standard deduction fees.



The decision directly complements recent directives from the Bangko Sentral ng Pilipinas (BSP), which has actively pushed domestic financial entities to lower financial barriers and deploy market-based, customer-friendly pricing structures for peer-to-peer (P2P) electronic fund transfers. BPI noted that this structural shift aims to drive national financial inclusion and accelerate the domestic transition toward a cash-lite economy.

RELATED: How to Change Your BPI Mobile Key Device Safely


Milestone Initiative for 175th Anniversary
As the country’s oldest bank prepares for its historic 175th anniversary on August 1, the elimination of electronic transfer fees stands out as one of its most customer-centric digital strategies in recent history.



By removing transaction costs for both real-time clearing networks (InstaPay) and large-batch processing systems (PESONet), BPI reduces everyday friction for consumers, making digital financial management more accessible and affordable for Filipinos nationwide.

BPI to Permanently Waive InstaPay, PESONet Transfer Fees Starting July 1


Upgrading to a new smartphone is always exciting, but moving your digital life over can be a bit of a puzzle—especially when it comes to banking apps. If you use the Bank of the Philippine Islands (BPI) app, you are likely familiar with the Mobile Key. This handy security feature replaces sluggish SMS One-Time PINs (OTPs), allowing you to approve money transfers, bill payments, and browser logins instantly using a 6-digit PIN or your biometric data.



Because the Mobile Key acts as your ultimate digital signature, BPI enforced a strict security rule: you can only activate Mobile Key on one primary device at a time.

If you just bought a new phone, you need to migrate this security token to your new device. Here is a step-by-step guide on how to change your BPI Mobile Key device safely, depending on whether you still have your old phone with you.



Scenario 1: Transferring While You Still Have Your Old Phone (The Fastest Route)

If your old smartphone is still functioning and nearby, the transition is incredibly seamless. BPI allows your old device to digitally "hand off" the security clearance to your new one without needing SMS verifications.

Step 1: Log In on the New Phone
  • Download a fresh copy of the official BPI app on your new device. Log in using your existing username and password.

Step 2: Initiate Mobile Key Setup
  • Upon logging in, the app will recognize it is a new device. Tap Begin when prompted to register, and select Mobile Key as your verification method.

Step 3: Approve the Push Notification
  • Pick up your old phone. You will receive an instant push notification from BPI asking to authorize a new device login. Tap it, then enter your existing Mobile Key PIN or use Face ID/Fingerprint.

Step 4: Confirm the Link
  • Tap "It was me" on the old phone screen to confirm the transfer. This officially registers your new phone.

Step 5: Activate Mobile Key
  • Go back to your new phone. Tap More > Settings > Security and switch the Mobile Key toggle to ON. Create a new 6-digit Mobile Key PIN.

Once completed, the Mobile Key is instantly activated on your new phone and automatically wiped clean from the old one.




Scenario 2: Changing Devices If Your Old Phone Is Lost, Broken, or Wiped

If you traded in your old phone, lost it, or completely wiped its data before setting up the new one, you cannot use the notification method. Furthermore, if you used a phone-to-phone data transfer tool (like iCloud or Samsung Smart Switch), the cloned BPI app data often glitches out of security safety protocols. You will need to start fresh.

Step 1: Reinstall the App Completely
  • If you copied data from your old phone, uninstall the BPI app completely from your new device first, then download a clean version from the App Store or Google Play.

Step 2: Insert the Registered SIM Card
  • Make sure the physical SIM card (or eSIM) associated with your BPI account is actively installed in your new phone and connected to a cellular network.

Step 3: Register via Secure SMS
  • Open the BPI app, log in, tap Begin, and select Secure SMS. The app will automatically draft a text message. Tap Send. Note: Android users might have this sent automatically, while iOS users must hit send manually. Do not close or switch away from the app while it processes.

Step 4: Re-Enable Mobile Key
  • Once the phone is successfully verified, navigate to More > Settings > Security, toggle Mobile Key on, and nominate your new 6-digit security PIN.



The 24-Hour Security Hold

For your protection against SIM-swapping fraud, registering a new device via the Secure SMS method triggers a mandatory 24-hour security lock. During this window, you can view your account balances on the new phone, but you cannot perform outgoing transactions or fund transfers until the lock expires.




Conclusion

BPI’s strict "one primary device" rule for Mobile Key might feel like an extra hurdle when switching phones, but it is a critical layer of defense that keeps your hard-earned savings secure from unauthorized remote access. If you are preparing to change devices, keeping your old phone handy for just an extra five minutes will save you from the 24-hour security hold. However, even if your old phone is completely out of commission, the Secure SMS alternative ensures you can securely reclaim access to your digital wallet entirely from home. Turn on your biometrics immediately after setup, and enjoy banking safely on your new device!



How to Change Your BPI Mobile Key Device Safely


SeaBank Philippines, Inc. (A Rural Bank) has officially changed its corporate name to MariBank Philippines, Inc. (A Rural Bank), effective July 31, 2025.



This rebranding follows the bank's integration into the MariBank Singapore Private Limited banking group.

In a letter addressed to customers, President Siew Ghee Kung Lim assured clients that the name change will not affect their accounts or access to banking services. "Only our name is changing," the statement read, emphasizing that the same team and trusted services will remain in place.



The change is part of a broader strategy by Sea Limited, the parent company of both MariBank and SeaBank, to unify its banking entities under the MariBank brand.


The Bangko Sentral ng Pilipinas (BSP) approved the name change on April 21, 2025, with the Securities and Exchange Commission (SEC) granting its approval on July 31, 2025.




MariBank Philippines plans to introduce more updates in the coming months, including a refreshed app experience, to reflect the transition.

RELATED GUIDE: Here's How to Earn Money from SeaBank Referral Code



For the time being, customers should continue to follow official SeaBank channels for all communications.



Digital Banks in the Philippines

Visit my list of Top Digital Savings Banks in the Philippines to learn more!

SeaBank Philippines Rebrands to MariBank Philippines


The Social Security System (SSS) and the Union Bank of the Philippines (UnionBank) have announced the launch of the MySSS Card, a new innovation designed to provide millions of Filipinos with a single, powerful tool for both government transactions and financial services.



The MySSS Card is a two-in-one product that functions as an official SSS-recognized ID while also serving as a UnionBank-powered Visa debit card. This landmark partnership aims to accelerate digital inclusion and provide a secure, convenient way for SSS members to manage their finances, especially for those who are unbanked.



"This partnership marks a major step forward in making government services more accessible and efficient for our members," said Robert Joseph M. De Claro, President and CEO of SSS.

"The MySSS Card empowers our members with a secure and convenient way to receive their benefits, while also serving as an official SSS-recognized ID."



The card enables SSS members to receive their benefits, loans, and refunds directly into a UnionBank savings account. Applicants can request the MySSS Card via the UnionBank Online app, which provides access to a full suite of digital banking features and the ability to make worldwide Visa transactions.



The initiative is expected to have a broad impact, with over 40 million Filipinos holding a PhilSys ID now eligible for the MySSS Card. This new offering builds on a previous SSS-UnionBank partnership that has already issued hundreds of thousands of cards since October 2022.



Ana Aboitiz Delgado, President and CEO of UnionBank, described the collaboration as a "game-changer" in reshaping the Philippine banking landscape. “Together with SSS, we are once again reimagining what banking can be like for millions of Filipinos,” she said. “We are proud to be partners in this initiative that enhances financial inclusion.”

The MySSS Card is set to roll out soon, promising a faster, safer, and smarter way for members to manage their government-related and financial transactions. Members are encouraged to stay tuned for the official release and monitor updates through UnionBank's official channels.


Read More SSS Guides . . .


SSS, UnionBank Launch Two-in-One MySSS Card to Boost Financial Inclusion


The iconic Ayala Malls in Makati are currently undergoing a massive transformation, with a P17.5-billion reinvestment plan set to reimagine Greenbelt and Glorietta into world-class destinations. This ambitious project aims to blend style, comfort, and cutting-edge retail with improved urban connectivity, promising a more refined and integrated experience for shoppers and city dwellers alike.



Ayala Malls Chief Operating Officer Paul Birkett and Ayala Land Senior Vice President Mariana Zobel de Ayala recently unveiled the details of the "reimagination," which goes beyond a simple facelift. The plan is to create a unified Glorietta, Greenbelt, and One Ayala complex that prioritizes pedestrian movement and seamless transport integration.



Glorietta's Grand Refresh

As part of its revitalization, Glorietta is being refreshed with modern interiors and a redesigned Grand Mall façade. A key element of the plan is the transformation of the familiar Glorietta 4 Park into a lively new plaza with dedicated al fresco dining areas.


This move is part of a broader effort to pedestrianize familiar roads and create a more walkable city center.




Greenbelt's Luxury Evolution

Known as the premier luxury destination, Greenbelt is further elevating its status with a curated mix of new-to-market international brands. Recent additions include luxury fashion houses like Golden Goose, Alo Yoga, Sandro, Maje, and Alice + Olivia.

The redevelopment also promises a new nightlife destination, T:28, at Greenbelt 2, offering curated culinary and mixology experiences. The redevelopment of Greenbelt 1, which closed in April 2024, is scheduled to be completed by 2028 and will become a new, modern structure with a focus on premium retail and sustainable design.


A Focus on Connectivity, Design, and Experience

This extensive redevelopment is a strategic move to ensure the malls remain relevant and resilient in a changing retail landscape. Ayala Land's vision extends beyond commerce, aiming to redefine its malls as "third spaces" that serve as a natural extension of people's homes, fostering community and social connection.



Key features of the transformation include:

  • Seamless Walkability: The project seeks to connect Glorietta, Greenbelt, and One Ayala through integrated pathways, making the entire complex more accessible and pedestrian-friendly.

  • Green and Open Spaces: The design incorporates more open-air green zones, pocket parks, and al fresco dining spots to provide a more tranquil and refreshing atmosphere.

  • Elevated Entertainment and Dining: Malls like TriNoma are getting upgraded with Giant Screen cinemas and Dolby Atmos theaters, while both Greenbelt and Glorietta are set for a culinary refresh with new dining concepts.

  • Sustainability: The renovations will incorporate sustainable features such as natural ventilation, energy-efficient systems, and wider corridors to enhance occupant well-being. The company is even recycling demolition debris from Greenbelt 1 into new construction materials.




The large-scale revitalization of Makati's retail heart is a bold statement about Ayala Land's long-term strategy. With rollouts scheduled from 2025 to 2028, and a broader plan to add over 700,000 square meters of gross leasable area nationwide, the company is not just renovating spaces—it is building future-ready, interconnected destinations that are designed to evolve with the rhythm of modern life.



MAKATI STAYCATION

Planning to stay in Makati, here's a list of the best hotel accommodation and staycation nearby:


Valero Grand Suites

Ayala Malls Greenbelt & Glorietta to Get a Major Refresh


The city of Makati is inviting locals and tourists alike to discover its vibrant culture, rich history, and dynamic cityscape through a series of complimentary walking tours.



These tours, which are scheduled throughout the week, offer a unique opportunity to explore different facets of the city, from its bustling business district to its historic old town.

The free tours are a great way to experience Makati’s diverse character. Here’s a look at the schedule and what each tour offers:


Tuesdays (10:00 AM - 11:30 AM): The Garden Way of the Cross

This tour takes participants to the beautiful St. Alphonsus Mary de Liguori Church, where they can see the Stations of the Cross, which feature works from prominent Filipino sculptors. The meeting point is the Glorietta 2 entrance on Palm Drive.




Wednesdays & Fridays (10:00 AM - 11:00 AM): Central Business District Tour

Participants on this tour will get to see the modern side of Makati. As the country's financial hub, the Central Business District is home to multinational corporations, banks, and iconic skyscrapers. The tour also starts at the Glorietta 2 entrance.



Thursdays (4:00 PM - 5:00 PM): Poblacion Heritage Tour

This tour provides a journey back in time, allowing visitors to explore Makati’s old downtown area. The tour highlights the city's cultural heritage, which dates back to the 1600s. The meeting point is at the Museo ng Makati on J.P. Rizal Avenue.




Saturdays & Sundays (10:00 AM - 11:00 AM): Walkway & Market Tour

On weekends, the tours combine a pleasant walk through parks with a visit to one of Makati’s famous weekend markets. On Saturdays, the tour goes to the Salcedo Market at Jaime Velasquez Park, known for its organic produce and artisanal goods. On Sundays, the tour visits the Legazpi Market, a popular spot for food, crafts, and unique finds. Both weekend tours meet at the Glorietta 2 entrance.


To join these tours, interested individuals can register by scanning the provided QR code or by visiting www.makaturismo.ph. For more information or inquiries about the tour schedules, you can contact the International Relations Department at (02) 8870-1192 or (02) 8870-1195.



Explore Makati for Free with New Walking Tours


For investors in the Philippine Stock Exchange (PSE), a well-diversified portfolio is key to navigating market volatility and achieving long-term financial goals. Beyond real estate investment trusts (REITs), the PSE offers a wide range of companies across various sectors that can provide a balance of steady dividends and strong potential for capital appreciation.



This guide highlights ten of the top stocks to watch in 2025, offering a snapshot of their recent performance, dividend history, and what makes each a compelling investment.

Note: The stock prices and dividend information provided are based on data available from July to August 2025. This information is subject to change based on market movements and company announcements. Dividends, in particular, can vary and are not guaranteed. It is highly recommended to perform your own research and consult with a financial advisor before making any investment decisions.

RELATED: Do Not Put Your Money on PAGIBIG MP2 Savings - Here are the Alternatives


1. Aboitiz Equity Ventures, Inc. (AEV)

As a diversified conglomerate, AEV offers a balanced exposure to the Philippine economy, with major investments in power, banking, and food. This diversification provides a hedge against downturns in any single sector.

  • July 2025 Stock Price: AEV's stock price ranged from a high of ₱35.05 to a low of ₱28.90 in July 2025, closing the month at ₱31.50.

  • Average Dividends and Frequency: AEV pays dividends twice a year. Their March 2025 dividend was ₱1.54 per share.


2. Ayala Corporation (AC)

Ayala Corporation is a respected holding company and a bellwether of the Philippine economy. Its portfolio includes market leaders in high-growth sectors, making it a strong long-term investment.

  • July 2025 Stock Price: AC closed at ₱586.50 on July 11, 2025.

  • Average Dividends and Frequency: AC typically pays dividends twice a year. In July 2025, a regular cash dividend of ₱4.605 per common share was declared for the first semester.




3. BDO Unibank, Inc. (BDO)

As the largest bank in the country, BDO is a powerhouse in the financial sector. Its extensive branch network and robust financial performance make it a stable stock for investors seeking consistent dividends.

  • July 2025 Stock Price: BDO's stock price for July 2025 is not publicly available.

  • Average Dividends and Frequency: BDO pays dividends quarterly. Their second quarter 2025 cash dividend was ₱1.10 per share, payable on June 30, 2025.


4. Bank of the Philippine Islands (BPI)

BPI is one of the most trusted and oldest banks in the country. Its strong balance sheet and focus on digital innovation make it a competitive player in the evolving banking landscape.

  • July 2025 Stock Price: BPI's stock price for July 2025 is not publicly available.

  • Average Dividends and Frequency: BPI generally pays dividends twice a year. Their cash dividend of ₱2.08 per common share was payable on June 30, 2025.


5. International Container Terminal Services, Inc. (ICT)

ICT is a global port operator, offering a unique opportunity to invest in international trade and logistics. Its dividends are paid in US dollars, which can serve as a hedge against the volatility of the Philippine Peso.

  • July 2025 Stock Price: The share price of ICT ranged from a high of ₱499.00 to a low of ₱420.00 in July 2025. On July 17, 2025, it was trading at ₱445.00.

  • Average Dividends and Frequency: ICT typically pays dividends annually, often with a regular and a special cash dividend. The March 2025 payout was ₱14.16 per share.



6. PLDT, Inc. (TEL)

PLDT is the dominant player in the telecommunications sector. Its continuous investments in expanding its fiber network and 5G infrastructure position it for long-term growth as the country's demand for data and connectivity increases.

  • July 2025 Stock Price: TEL's stock price fluctuated between ₱1,225.00 and ₱1,317.00 in July 2025. On July 10, 2025, it closed at ₱1,225.00.

  • Average Dividends and Frequency: PLDT pays dividends quarterly. The dividends are based on a payout policy of 60-75% of its core earnings.


7. Manila Electric Company (MER)

Meralco is a defensive stock, meaning it's less affected by economic downturns. As the country's largest power distributor, its essential services ensure a stable and predictable revenue stream.

  • July 2025 Stock Price: MER's price ranged from ₱528.00 to ₱550.50 in July 2025, with a closing price of ₱535.50 on July 31, 2025.

  • Average Dividends and Frequency: Meralco consistently pays dividends quarterly, providing a stable income stream for investors. A recent dividend yield was approximately 4.45%.


8. San Miguel Corporation (SMC)

SMC is a diversified powerhouse with a wide range of products and services, from food and beverages to infrastructure and fuel. Its broad market reach and essential products make it a resilient company.

  • July 2025 Stock Price: SMC's stock price closed at ₱71.90 on July 31, 2025.

  • Average Dividends and Frequency: SMC generally pays dividends twice a year for its common shares.



9. Universal Robina Corporation (URC)

URC is a leader in the food and beverage industry, with a portfolio of well-known and loved brands. Its strong consumer base and market dominance provide a solid foundation for consistent earnings.

  • July 2025 Stock Price: URC closed at ₱85.20 on August 8, 2025.

  • Average Dividends and Frequency: URC typically pays dividends annually, and its March 2025 payout was ₱2.00 per share.


10. SM Prime Holdings, Inc. (SMPH)

SM Prime is the Philippines' largest and most dominant integrated property developer. Its large-scale portfolio of malls, residential projects, and hotels gives investors a direct stake in the country's consumer and real estate growth.

  • July 2025 Stock Price: SMPH's estimated share price was ₱33.54 as of July 17, 2025.

  • Average Dividends and Frequency: SMPH has a history of paying dividends annually, with its payouts linked to the company's strong earnings and growth.


Tips for Investors 📈

Before you invest, remember that past performance is not a guarantee of future results. It's essential to conduct your own research, consider your personal risk tolerance, and diversify your portfolio. Stocks like BDO and Meralco are good for those who prioritize regular income through dividends, while companies like PLDT and SM Prime offer a mix of growth and dividends. Always read a company's financial reports and stay updated on market news to make informed decisions.


A Guide to Top Philippine Stocks in 2026

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