A plan for the money that should pay you
Passive Income
Steady and regular dividends from quality companies.
Ten of the exchange’s most reliable dividend payers, chosen for financial quality first and yield second. Past payouts work out to about 6% a year. The plan stays invested in a downturn, and the dividends keep coming.
Minimum to start
₱100,000
Top up from
₱5,000
Management Fee
1% per year
Volatility
Moderate
Holdings
10 dividend paying stocks
Rebalancing
Automatic
How it has done, next to the index
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The plan is tracked daily from a model account and serves as a guide. Your own portfolio may be higher or lower because of when you joined and the prices your orders filled at. Past performance does not guarantee future results.
What it holds
Listed companies with solid dividend policies and growth prospects, reviewed by us.
| Stock | Company | Sector |
|---|---|---|
| AREIT | AREIT, Inc.REITs | REITs |
| MREIT | MREIT, Inc.REITs | REITs |
| RCR | RL Commercial REIT, Inc.REITs | REITs |
| TEL | PLDT Inc.Telecom, Media & Tech | Telecom, Media & Tech |
| AP | Aboitiz Power CorporationEnergy | Energy |
| LTG | LT Group, Inc.Conglomerates / Holdings | Conglomerates / Holdings |
| GLO | Globe Telecom, Inc.Telecom, Media & Tech | Telecom, Media & Tech |
| ICT | International Container Terminal Services, Inc.Transportation & Logistics | Transportation & Logistics |
| MWC | Manila Water Company, Inc.Utilities | Utilities |
| MYNLD | Maynilad Water Services, Inc.Utilities | Utilities |
Allocation by sector
- REITs39.4%
- Telecom, Media & Tech20.2%
- Utilities14.1%
- Energy10.1%
- Conglomerates / Holdings9.1%
- Transportation & Logistics7.1%
Target weights for each stock are shown inside the account.
When do dividends land?
Payment dates for the plan’s holdings in 2026. 21 of 26 have landed so far.
Jan
Feb
- GLO paid
- RCR paid
Mar
- AREIT paid
- LTG paid
- MYNLD paid
- MWC paid
- MREIT paid
- ICT paid
- AP paid
- TEL paid
Apr
May
- MREIT paid
- RCR paid
- GLO paid
- AREIT paid
Jun
- LTG paid
Jul
Aug
- MREIT paid
- GLO paid
- AREIT paid
- RCR paid
- TEL paid
Sep
- LTG paid
Oct
Nov
- GLO expected
- RCR expected
- AREIT expected
- MREIT expected
Dec
- LTG expected
Each dividend is credited to your account directly on the day it is paid. Dates come from the companies’ own announcements and can move.
How the plan is built
Stocks we select must pass these criterias, everything is systematic and disciplined.
Starting universeEvery candidate
- Every dividend-paying stock listed on the Philippine Stock Exchange.
EligibilityInitial screens
- Two years of stable profit.
- Two years of consistent dividends.
- Positive dividend growth projections.
- At least ₱5 million traded a day, on average.
ConstructionYield, with limits
- The eligible names with the highest projected dividend yield.
- Then select only those with the best growth potential.
- Weighted in proportion to yield.
- Exposure caps to 15% per stock.
Final portfolioWhat you hold
- High-yield and consistent dividend payers of good financial quality, with potential for capital gains.
Why dividends
A portfolio of high-yield stocks is attractive for a few reasons. Dividends are income on top of any gain in price. Dividend payers tend to hold up better in a downturn, which balances the more aggressive things an investor may also hold. And when they are reinvested, dividends compound: over years they can make up a large share of total return.
Chasing yield alone has a catch. The highest yields often belong to companies with weak or fading fundamentals, which puts both the dividend and the share price at risk. So the Passive Income plan screens for financial quality before it looks at yield, to keep the income sustainable.
Questions people ask about this plan
How does this plan work?
We choose the companies that pay the best dividends so you can invest in them automatically. How much a company pays depends on its profits, its dividend policy and where it is in its growth. Our job is to choose companies that pay not only the largest dividends but the most consistent ones, and grow them over time.
Can I make more than 6% in dividends a year?
Yes. The 6% is an estimate of what the plan has historically received. It can go either way: some years pay more, through special dividends, and some pay less. Our job is to get the most out of the holdings.
How do I receive my dividends?
When a company pays a dividend it is credited straight to your Robo Advisor account. By default it is reinvested in the stock that paid it. Payout timing varies by stock, and with ten holdings spread across the year most months bring something in.
What happens in a downturn?
The plan stays invested. Dividend payers tend to fall less than the market in a selloff, and the dividends keep arriving and keep being reinvested at lower prices. The portfolio will still move with the market, and the value of your account can fall.