Crypto perps & spot · Forex · Commodities · Philippine equities · Mutual funds · Bank offersInvestment Evaluation

How cryptocurrencies are evaluated

• Trend. Uptrend when the price is above its 50-day average and the 50-day is above the 200-day (and the reverse for a downtrend). Trading with the trend is the most widely used professional rule.
• RSI. Above 70 is overbought, below 30 oversold. Verdicts warn you not to chase an overbought uptrend or sell into an oversold downtrend.
• Risk plan. Tap any row for a stop-loss based on the average daily swing (ATR) and a position size that risks only 1% of your account, plus the live chart and the latest news.
• TradingView rating. A summary of 26 moving-average and oscillator signals, shown as a second opinion.

Covers the 29 largest coins traded on Binance spot (Bitcoin, Ethereum, BNB, Solana, XRP, Dogecoin, Cardano and more, plus gold-backed XAUT), priced in USDT. This is the coin itself, without leverage; the Crypto perps tab covers leveraged perpetual futures. Prices come from TradingView market data. Nothing here is investment advice; crypto prices can fall sharply and quickly.

How currency pairs are evaluated

• Trend. Uptrend when the price is above its 50-day average and the 50-day is above the 200-day (and the reverse for a downtrend). Trading with the trend is the most widely used professional rule.
• RSI. Above 70 is overbought, below 30 oversold. Verdicts warn you not to chase an overbought uptrend or sell into an oversold downtrend.
• Risk plan. Tap any row for a stop-loss based on the average daily swing (ATR) and a position size that risks only 1% of your account, plus the live chart and the latest news.
• TradingView rating. A summary of 26 moving-average and oscillator signals, shown as a second opinion.

Covers the major pairs plus peso pairs (USD/PHP, EUR/PHP, JPY/PHP, SGD/PHP, AUD/PHP, GBP/PHP). Forex moves are small: 0.5% in a day is a big move for a major pair. Prices come from TradingView's market data and can be delayed. Nothing here is investment advice; leveraged forex and commodity trading can lose more than your deposit.

How commodities are evaluated

• Trend. Uptrend when the price is above its 50-day average and the 50-day is above the 200-day (and the reverse for a downtrend). Trading with the trend is the most widely used professional rule.
• RSI. Above 70 is overbought, below 30 oversold. Verdicts warn you not to chase an overbought uptrend or sell into an oversold downtrend.
• Risk plan. Tap any row for a stop-loss based on the average daily swing (ATR) and a position size that risks only 1% of your account, plus the live chart and the latest news.
• TradingView rating. A summary of 26 moving-average and oscillator signals, shown as a second opinion.

Covers gold, silver, platinum, palladium, copper, crude oil (WTI and Brent), natural gas, gasoline, wheat, corn, soybeans, coffee, sugar, cocoa, cotton and the US Dollar Index. Futures prices follow the front-month contract; 15M/1H/4H moves are shown when available. Prices come from TradingView's market data and can be delayed. Nothing here is investment advice; leveraged forex and commodity trading can lose more than your deposit.

How stocks are evaluated

• Graham Number (Benjamin Graham). √(22.5 × earnings per share × book value per share) is the most a defensive investor should pay. Graham MoS is the margin of safety: how far the price sits below that number. Positive is good; 30%+ is what Graham looked for.
• Magic Formula (Joel Greenblatt). Ranks profitable companies on earnings yield (cheapness) plus return on capital (business quality). "Top 10%" means it's among the best combinations of cheap and good on the PSE.
• Quality checklist (Graham's defensive-investor tests, Buffett-style). Profitable, return on equity ≥ 15%, debt/equity ≤ 1, current ratio ≥ 1.5, earnings growing, positive free cash flow. Debt and liquidity tests are skipped for banks, where they don't apply.
• Trend (200-day moving average). A stock above its 200-day average is in an uptrend. Below it, value buyers usually buy in tranches instead of all at once.
• Score and verdict. Score = 45% valuation (Graham + Magic Formula), 35% quality, 10% trend, 10% dividend. Verdicts: Strong value (30%+ margin of safety, good quality, top-40% Magic Formula), Value, Value trap risk (cheap but weak finances), Fair value, Expensive, Avoid (losing money or debt/equity above 2).

Data comes from TradingView's Philippine market screener (trailing 12-month financials; PSE prices can be delayed). Every stock here can be ordered through COL Financial by its ticker. These are screening rules from well-known investing methods, not personal advice; I'm not a licensed financial advisor. Read the company's latest report before buying.

How funds are evaluated

• Star rating (Morningstar-style). Each fund is ranked against funds of the same type and currency (peso equity vs peso equity, dollar bond vs dollar bond). The 5-year return counts 50%, 3-year 30% and 1-year 20%, because long records matter more than one good year. Top 10% get 5 stars, the next 22.5% get 4, the middle 35% get 3, and so on.
• Strong fund on a dip. 4–5 stars overall, but this year's return is in the bottom half of its peers. A proven manager having a weak year is the closest thing to a bargain in funds, and a good time for peso-cost averaging.
• Top-rated, consistent. In the top half of its peers on every period. Strong, but you're buying after good performance.
• Consistent laggard: avoid. In the bottom half on every period. Long-run underperformance usually comes from high fees or weak management, and tends to persist.
• Below its high. NAVPS is 10% or more under the highest value this app has seen in the past year (history builds up on this device each day you open it).

Choose the fund type for your goal first: money market and bond funds are for stability and near-term needs; equity and index funds are for goals five or more years away. Fees (management and sales loads) aren't in this data; lower fees beat higher fees over time, so check them on COL before buying.

NAVPS and returns load automatically each day from the public PH Fund Tracker, which collects PIFA (mutual funds) and UITF.com.ph (bank trust funds) figures. COL Financial sells mutual funds, not bank UITFs; confirm a fund is listed on COL before ordering. Funds are compared only with funds of the same type (equity with equity, bond with bond). Past returns don't guarantee future returns, and this isn't investment advice. Some fund houses at COL aren't open to US persons; check COL's fund page before ordering.

How to read this

• *You earn is the approximate after-tax interest on your amount over the holding period, at today's rate (simple interest; time deposits shorter than your period are assumed to be renewed at the same rate).
• Tax. Bank interest and RTB coupons have a 20% final withholding tax. Pag-IBIG MP2 and Regular Savings dividends are tax-free. Time deposits held 5 years and 1 day or longer can be exempt for individuals.
• Protection. Bank deposits are insured by PDIC up to ₱1 million per depositor per bank. MP2 and Treasury bonds are backed by the government instead. E-wallet balances are not bank deposits.
• Promo rates. Headline rates such as Maya's 15% apply only to new users, a capped amount and a short period. The table ranks by the rate you can count on, with the promo noted in the conditions.
• Where to invest. Each row links to the bank's or agency's official site or app. Digital banks open accounts only in their apps (ID and selfie needed). MP2 enrollment is on Virtual Pag-IBIG; RTB 32 can be bought on GCash (GInvest → GBonds) or through banks and brokers.
• Past dividends aren't promises. MP2's 7.12% was the 2025 dividend; the actual rate is declared each year. RTB 32's 6.875% is fixed if held to maturity.

Rates were collected from bank and Treasury figures compiled by PesoHub, TaxCalculator.com.ph and Poor Pinoy Investor (dates shown per row) and change often, especially after BSP moves. Confirm the current rate in the bank's app or branch before depositing. Not financial advice.