How A Corporate Employee Saved More Than 1 Million Pesos In 6 Years Through Investing In Philippine Stock Market

My advocacy is educating Pinoys on financial literacy, providing ways on how to achieve financial freedom and/or transition to work less, earn more and be happier than ever.

Saving and investing are the keys to achieving financial independence.

Whether I get your nod or not, I guess you better read the entire blog. My intention is to help you understand because it is very doable. ​

I will definitely make my mission possible: to help people get started in Philippine Stock Market investing even if you have zero knowledge.

Let me awaken your senses with the following questions:

  • Are you an employee working for eight hours or more a day?
  • Are you an OFW for five years or more?
  • ​Are you the type of self-employed who made so much “raket” just to meet daily expenses?
  • Are you an entrepreneur who does not diversify in paper asset investments?
  • Will you be working until the age of 60?
  • How much travel time do you spend just to be at your work and going back home from work? I bet you are struggling on the traffic jam everyday.
  • Do you believe that stress is one of the causes of cancer and other diseases?

Come On! Wake Up! It’s time for you to think. Reflect on in.

  • Determine your future goals and write them so you are always reminded of it.
  • Dream of it.
  • Think of your “Big Whys” too.
  • Provide action plans and a target date of your future goals.
  • Review the progress of your plans every quarter.

Spare me a couple of your minutes by continue reading this. Let me prove that saving and investing really works. This is my story on how I saved more than one million in a span of six years through stock market investing.


I had mentioned in my first blog that I acquired company shares through a monthly salary deduction for five years. That was almost ₱10,000.00 per month equivalent to ₱537,512.00 in six years. 


This is the importance of having a saving that is automatically deducted from your payslip.


Aside from that, since I wanted to invest more on stocks aside from the first stock I bought, when I heard of Citisec Online, now COL Financial Group Inc, I immediately opened my online trading account.


If you never heard of COL, it is a stock broker. A stock broker acts as the middleman, they will help you place your orders; meaning if you want to buy or sell stocks, the broker will help you do it.


I began on November 2, 2010, and invested ₱25,000.00 right away. That money is from my 13th-month pay. Came December 2010, I expected of Christmas bonus, of course. Wow! Meron nga. I invested ₱22,000.00 again in COL Financial.


January to February 2011, wala ng bonus nawili naman daw ako so I invested  ₱3,000.00 to ₱4000.00 monthly.


Here came March 2011, payout of unused sick leave and vacation leave. Dahil dyan, naka pag invest na naman ako. Did you get my point my friend? I did not prioritize buying material things or travelling to other countries.


I am a believer of saving and investing early then relax later”. I am a big no-no to “pasyal now pulubi later”. I don’t spend all my income on leisure.


Which of these two you think you are:

  • Sacrifice today for tomorrow is a great day.
  • Relax today for tomorrow is a sacrifice day.

I have budget for occasional leisure, baka naman isipan boring ang buhay ko. I explored the country first because I wanted to see the beauty of the Philippines. WOW! PHILIPPINES


For those months na walang bonus, I keep on saving and investing in Philippine Stock Market. For the first year, I saved between ₱1,000.00 to ₱4,000.00 monthly.


There’s more since salary is increasing every year, I am also increasing my monthly investment at the stock market. Basically, I just treated my online trading account as my bank account.


To sum it up, I was able to save ₱475,555.00 in COL Financial Group Inc. in six years as well.


Therefore, my total investment in the stock market for six years is...give me a drum roll please... ₱1,013,067.00. I myself can’t believe it. But it happened indeed.


It was pretty awesome thinking of the benefits I got (and I will be getting) from saving and investing.


Why am I saying this to you? I am not urging you do exactly the same. I am just pointing out that saving monthly your income or part of your bonuses and investing in Philippine Stock Market is a good move already.


Do not make an excuse that your monthly income is small; you can start at ₱500.00 or ₱1,000.00 per month. Believe me, magugulat ka na lang palaki ng palaki na savings mo.


Why? Because you have already considered saving as part of your monthly budget.


Seriously, trust me this will also work for you. Having the right mindset on self-discipline allows you to be on the right track.


Start growing your knowledge on financial literacy. You read books/eBooks and blogs and watch video tutorials to acquire learning and get inspiration from people who are very much willing to share what they had become.


Be inspired by this quote from Warren Buffett:

“It’s better to hang out with people better than you. Pick out associates whose behavior is better than yours and you’ll drift in that direction.”


In the span of six years, I have tried the following stock market investing strategies:

  • ​​​​Long Term Investing
  • Peso Cost Averaging
  • ​Quick Trading
  • ​One Time Buhos
  • ​Maniwala Sa Sabi Sabi
  • Strategic Averaging Method (SAM) of Truly Rich Club (TRC)

Let me explain each type of investing strategy.


Long Term Investing

I invested in one company in 2010. My future goal for this one is for my children’s college tuition fees and allowances.


Peso Cost Averaging (PCA)

I bought one stock and invested on it monthly. I did it only for one year because I wanted to prove whether PCA will average down the price of my stock.


Quick Trading

Because some people earned more in quick trading than long-term trading, I want to discover if this one works for me too.


One Time Buhos

This is investing a big amount in one stock only, done in a single buying transaction.


Maniwala Sa Sabi Sabi

This one is a big NO NO, please do not listen to people unless you know their expertise. How expert is an expert? Search for their credentials. Do they have books/ebooks, conducts a seminar and being interviewed? How long have they been investing?


I was so many times became a victim of this one.


Ang stock ko na stuck nga. Funny isn’t it? This is the reason why I attended four stock market trainings.  Ayaw ko ng maniwala sa sabi sabi.


Strategic Averaging Method (SAM) of Truly Rich Club (TRC)

I subscribed on this one for one year.


During the process of performing these strategies, I came to realize that every successful investor, trader, money manager, etc. has a method that fits them.


The method itself is not the important factor but, how the system will work for your unique personality.


These were the methods I once used but every trader/investor must establish a strategy that works best for you too.


Having all these experiences, I have now filtered the method that best work for me.


“Go and make your dreams happen”.


“Move up to a higher level of abundance now.”


Click on the photo below and you will receive FREE tips on how to save, invest and make money in Philippine Stock Market.


I want to share with you my first presentation in The Infopremeur Podcast Show (TIPS) about stock market investing for beginners.


In this episode, you’ll discover and understand:

  • check
    Basic terminologies used in stock market investing.
  • check
    How to earn money from the Philippine Stock Market?
  • check
    How to get started?
  • check
    Do’s and Dont’s for beginners?
  • check
    What are the questions to ask yourself before you begin investing that will help you achieve a successful journey to stock market investing?

I'm excited to share it with you because I care for you.  If you don't want to miss it, here’s what you’re going to do:

  • check
    Do not forget to click on the photo above and subscribe to my website so you can get my free eBook on stock market investing for beginners.
  • check
    Just click on the photo below and turn on the YouTube in your mobile phone to get access to this presentation.
About the author

Cynthia Fuller

Cynthia started investing since 1999. Investments allow her to earn which she uses to compensate losses from their business. She and her husband can do business while investing at the same time. She is passionate in spreading financial literacy to Filipinos given that there are lots of Pinoys who are clueless when it comes to investment and financial management. She wants to teach and share her knowledge to them that even with zero knowledge they can learn how to invest in Philippines Stock Market and achieve financial freedom. She wants to share her journey with you - that a typical corporate employee can also be a successful investor - to inspire you that if she can do it then so could you.

  • jaime says:

    god is good all the time…thanks a lot coach cynthia sa mga emails, videos mo and your story talagang naka ka inspire in terms of saving and investing talagang nahatak ako. and now im so excited to try trading in stock market and i hope i can learned more from you and i hope you dont stop educating pinoys. god bless you more a hundred folds.

  • Ronnie says:

    Hi mam, got your ebook today and browsed a little but not yet fully read. Got interested with this kind of investing when I read about those Jew who made their riches in getting wisdom—one in investing. Thanks for your help in enlightening pinoys with this, I hope I can learn a lot from your coaching. God bless!

  • Violeta says:

    I already have the copy of your ebook Mam Cynthia, I am new to this kind of investment thing…i hope to learn more and start soon.

  • Eloisito Asis says:

    Thank you for sharing your expertise in investing/ trading. To God be the glory

  • Malu says:

    Thank you Ma’am Cynthia for the emails you sent me. And also your blog. They are very inspiring & interesting. I don’t have any knowledge about stock market & tradings but you gaved me ideas about them. Your suggestions & explanations are easy to understand. Thank you again and i hope you can help me more about trading.. 😉

  • REXFORD says:

    hello maam, paano ba makakasiguro sa mga companies na pwede mag.invest? baka naman scam sila. doon ako natatakot eh

  • Denirojorge says:

    I’m most interested now, that I saw your 1st instructional video. I will always wait for succeeding narrations from you. Thank you.

  • Richie says:

    Hi ma’am, thank you for your encouragement and for sharing with us your knowledge about stock market. Wala akong knowledge about it. Hoping to be a part of this interesting investment.

  • Josefina realingo says:

    Marami n kong nababasang mga article about stock market and naging interesado ako,I don’t know how to start hanggang basa nlang ako😀,now kadadadownload ko lang ng ebook and i have’nt read it yet.,sana dito makapag simula nko…salamat…god bless

  • Delvy V. Balasbas says:

    Thanks for the very encouraging items that you wrote on this blog. Very interested on this kind of investment as am already newly – retired from government service and before my retirement I already came across this forex trading and invested in it but not yet fully as I’ve traded only once and now am struggling to be full time in this business
    In fact, I didn’t have the second trade yet am searching for more knowledge as am zero on this aspect. Your ebook not fully read yet but I believe it would be valuable as I want to “master” trading to have somekind of busyness at retirement age, already 68 and to support 2 high school boys. Stock market investment, I think is synonymous to forex trading and I find it valuable gaining knowledge from you. Thanks, Ms. Fuller.

  • Ma. Cristina A. Cifra says:

    Thank you for the information and experience it’s enlightening. I’ve been an ofw for so long and have tried different kinds of business and honestly it’s really difficult if one is looking for a profitable and stable source of income. The book you shared is very useful for beginners who wish to enter in the stock exchange business.

  • Francis says:

    Thank you for sharing us knowledge about stock market. Yes, i am a zero knowledge about this item. Hoping in the coming days, i’ll be part of it…… God bless.

  • Gilbert says:

    Hi Maam,

    Maraming salamat po sa contninues email nyo. I keep learning new things ang understanding how stock investment works.

    Thank you for the clearer explanations.

    Regards,

    Gilbert

  • Marivic dela Cruz says:

    Thank you, ma’am, for sharing your journey in investing stocks. I am hoping you can help me too in this kind of investment. God Bless.

  • Lanie D. Cabahug says:

    Napaka comprehensive yong mga pinaliwanag mo sa mga ipinadala nga mga message tungkol dito s investment Maam Cynthia, gusto ko na sana mag invest pero may takot ako baka kon saan pupunta ang pera ko na i invest. At isa a gusto ko na magkausap tayo by phone dahil gusto ko na magkausap tayo sa Webinar para makinig sa iyong ishare.

    • Cynthia Fuller says:

      Hi Mam Lanie. Salamuch po. Always remember po mam yung sabi ni Warren Buffett: “𝑹𝒊𝒔𝒌 𝒄𝒐𝒎𝒆𝒔 𝒇𝒓𝒐𝒎 𝒏𝒐𝒕 𝒌𝒏𝒐𝒘𝒊𝒏𝒈 𝒘𝒉𝒂𝒕 𝒚𝒐𝒖 𝒂𝒓𝒆 𝒅𝒐𝒊𝒏𝒈.” Kaya it’s good to learn or gain knowledge about the stock market investing. Muli, salamuch mam.

  • arthur leandro says:

    I wanted to go into this venture but lack of knowledge deter me from pursueing it…hope you can help me..tnx

  • Elvie says:

    Thank you ma’am Cynthia.

  • Arlene says:

    Hi Cynthia i missed ur webinar tonight. Hope i can join ur next webinar. Anyway, i am happy reading ur ebooks. Very simple short easy to read.

  • Geminiano Rodriguez Jr. says:

    Thank you po sa pagshare sa experience niyo, hoping to learn more from you, so I’ll invest time muna on learning how investing works with your know how and experience. Zero knowledge po ako on stock market but always wanting to invest in it.

    • Cynthia Fuller says:

      WEALTHcome po. I hope you’ll continue to read all my emails, blogs and watch my videos. Keep learning po. Salamuch din po

  • Wilfredo Boter says:

    Thank you Ma’am for sharing your experience and for giving tips and advice.

  • Wilfredo Boter says:

    Thank you Ma’am for sharing your experience and for giving tips and advice.

  • Wilfredo Boter says:

    Thank you Ma’am for sharing your experience and for giving tips and advice.

  • Anna Blancaflor says:

    Thanks po Mam Cynthia for your shared knowledge , experiences and expertise.I do hope I can do all this things and make it happen too.

    • Cynthia Fuller says:

      WEALTHcome po. Just believe in yourself and begin to apply all the learning. Don’t be afraid to fail as well. Salamuch din po.

  • Abner Allado says:

    Hi ma’m Cynthia,

    Thank you for sharing your knowledge and experience about saving and investing…
    Highly appreciated.

  • Liry anne says:

    Hi! Ma’am Cynthia Fuller thanks for sharing your knowledge about stock market 😍 kahit konte pa lang nababasa ko parang ang dami ko na natutunan hehe ☺. thanks din po pala sa pag update araw araw sa email ko di ko pa sya tapos basahin pero kahit ganun my natutunan naman ako At patuloy ko p rin sya babasahin 🙂 God bless po 😇🙏💕

    hmp my tanong pala ako ma’am san po pala ako pwede mag invest ? 🙂 thanks

    #ZeroKnowledge ☺

  • Alaine Casupang says:

    Hi Ma’am Cynthia, thank you for sharing your knowledge po. God bless you more.

  • Trisha says:

    Thank you for all the shared knowledge and expertise ma’am

  • Albert says:

    Saan Kaya ako magsisimula at pano o sisimulan mag invest. Can you give me ? Yung mas detailed info pa.. thank you . Na Kaka inspired talaga Sana magawa ko din

  • Mona says:

    Hi po Mam cynthia. Thank you sa encouragements, guide and tips about sa pag invest ng stocks at tungkol sa paghandle ng finances. sa inyo lang po ako nag subscribe. yung iba inunsubscribe ko na..i feel na totoo ka. your message is nasa point na madaling maintindihan ko po..nakaka encourage po kayo.naeenganyo po akong ayusin at pagbutihin ang paghandle ng pera para sa pamilya. thanks po. more power po sa inyo.

  • Zarim says:

    Salamat mam for sharing your knowledge about stock market.God bless you

  • Angela says:

    Salamat po mam.

  • willowdan says:

    Appreciate the practical approach … Cheers! 😉

    • Cynthia Fuller says:

      Wow salamuch po Willodan. Keep investing in yourself also. Share to your family and friends what you have discovered/learned.

  • Cristy jane M. Guillermo says:

    Salamat po Maam Cynthia sa blog.. malamang marami pa po kayung matulongan.. . Maam tanung ko lang… kahit po ba 1000 pesos lang pwedi nang start mag invest??? At kailangan po bah every month ka mag invest??? At paano po ba ang mga proceso para maka pag start mag invesr??? Salamat pppo nang marami..😍

    • Cynthia Fuller says:

      Hi Cristy, yes you can open an online trading account for 1000 pesos only. Hindi naman po kailangan na every month mag invest but developing the habit of saving and investing is good especially if your goal is for your retirement fund. Have you downloaded my FREE eBook? Salamuch po

  • Hi it’s nice all your things written here but I am looking for something like if I invest I can quit my job as ofw and stay in the Philippines for good,is there anything like that in the investment here, w/c I can have a profit monthly from my investment and this will become my source of income instead a salary as worker abroad.

    Thank you and hope you can be give your insight on my concern.

    • Cynthia Fuller says:

      Hi Sir,

      I wish to send a personal message to you but as I searched for your name, several Antonio Navarro Jr appeared. Sorry po at ngayon ko lang nakita itong comment mo sa website ko. I suggest you try to do business since nasa ibang bansa ka you can try online marketing. Use your spare time in doing online business. It’s a good start because of minimal capital outlay.


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