#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital bit.ly/SEDPIPay Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Sagot sa mga Frequently Asked Questions: https://bit.ly/sedpi-sri-faq Isubmit ang ibang pang inquiries o requests sa: https://bit.ly/sedpi-inquiry Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... * How to invest: https://m.me/vincerapisura?ref=w13160758 SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and

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So RTV versus Time Deposit naman tayo. Tignan natin ano ba yung pagkakaiba ng Retail-Treasury Bond versus Time Deposit.

Umpisahan natin ha. First, minimum amount sa Time Deposit nakakakita tayo as low as Php 1,000. Sa RTV po, Php 5,000 siya.

Ang term dito sa Time Deposit ay up to 5 years. Yung nakikita natin minsan may mga up to 7 years. Ang RTV po ay 5 years.

Ang guarantee PDIC up to Php 500,000 in banks, wala naman kapag kooperativa. Kapag dito sa RTV, 100% na government guaranteed.

Ang tax, 0% for co-ops sa Time Deposit. For banks naman ay mayroon tayong susundin. Kapag greater than 5 years ang term, 0% na po ang tax niyan.

Kapag less than 3 years ang ating placement, 20%. Kapag 3 years to less than 4 years, it's 12% tax. And 4 years to less than 5 years ay 5% na lang po ang tax niyan.

Sa RTV, no matter what, it is 20% withholding tax. At ang ating voting rights, parehong wala kasi hindi naman tayo nagkakaroon ng ownership sa Time Deposits and Retail-Treasury Bonds.

Where to open sa Time Deposit? Online banking or over-the-counter. Sa RTV, pwede po sa online sa website ng Bureau of the Treasury, sa OF Bank, Land Bank, at on-site sa mga branches ng participating banks.

Ownership, wala po. Ang capital loss, wala po. Napre-preserve ang capital natin in both Time Deposit at Retail-Treasury Bonds.

Next, tignan natin. Documentation, mayroon pong Time Deposit Certificate ang mga Time Deposits usually. Sa RTV po dito ay script-less na tinatawag. Mayroon pong mga dokodokumento na pinapadala na lang sa iyo.

May number-number. Sa Statement of Account na lamang po siya nakikita. Market Volatility, usually hindi siya ganoon ka lala. Pero mayroon dito sa RTV ng Kaunteks.

Sa Liquidity naman, with reduced interest rate if before maturity. Sa RTV po pwede natin itong i-benta sa secondary market but we can be exposed to capital losses.

Which makes this a bit, yung market volatility medyo naka-apektohan tayo niyan.

Sunod naman ang pag-usapan natin ay ang purpose. So ang Time Deposit, pang emergency fund natin yan. Housing, Education, Retirement. RTV, pang Housing, Education, Retirement, pamana at health fund.

Sa Eligibility, anyone sa Time Deposit. Maski foreigner, pwede. Dito sa RTV, mga Pinoy lamang ang pupwede.

Socio-political risk, very low po on both. So kapag gagamitin natin ng ating Sexy Investment Framework, ano po ang lalabas dyan?

Security, RTV is more secure than Time Deposits. In our Sexy Investment Framework and Cashability or Liquidity, Time Deposits are more liquid and more accessible than RTV.

So angat ng konti ang Time Deposits dito. Ang x-factor, RTV supports government programs. Co-op Time Deposits usually helps nano, micro, and small enterprises.

Ang yield naman po, tingin po, at par. Time Deposits and RTVs, at par ang kanilang yield.

Five-year term po, pareho. Ito na titingnan natin, i-co-compare natin sa Commercial Bank, Rural Bank, Co-operative ng mga Time Deposits at RTV-28.

Gagamitin natin ang five years kasi ang RTV-28 ay 5.5 years. So parang pare-pareho ng very light.

Sa Php10,000, 0-4% sa Commercial Bank, 1-5% sa Rural Bank, 3.25-6% sa Co-operative at sa RTV-28 ay 5.75%.

Sa Commercial Bank, Php100,000, 0-4.7% ang interest, 1.25-6% sa Rural Bank, 3.25-6.5% sa Co-operative at 5.75% sa RTV-28.

Php1,000,000 ang plinase natin for a period of five years sa Commercial Bank, that's 0-5%. Sa Rural Bank, it's 1.5-7%. Sa Co-operative, 3.25-3.5%. At sa RTV-28 ay 5.75%.

So what is my verdict here? What is my judgment? I think RTV is a secure long-term investment to finance our life goals such as retirement, education, housing, etc.

If you need more liquidity, accessibility, go for time deposits. But in general, I think RTV is a good part of our investment mix for diversification.

Ako po si Sir Vins, ang inyong financial guro, nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.

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