#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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Ang number two na recommendation natin para sa mga intermediate investors for 2023 ay ang Retail Treasury Bond at ang Retail Dollar Bond.

Pero ito pong RTB at RDB ay hindi po yan available throughout the year. Inaabangan siya kasi may periods lang siya na in-offer at kailangan ay makakuha tayo to be able to participate.

So itong ating RTB at RDB, ano ba yung Treasury Bills or Treasury Bonds? These are bonds given by the government and it's also called government security.

Ibig sabihin, umuutang po ang gobyerno sa atin. At yung perang yan ay back dahil ang gobyerno ang umuutang, this is backed by its full taxing power and ability to print money.

Napaka-remote na hindi siya makapagbayad kasi pwede siya mag-print ng pera para mabayaran tayo o meron naman siyang naku-collect ang mga taxes at yun yung pambayad niya sa atin.

So this is called treasury because it comes from the Philippine Bureau of Treasury. So because ito ay guaranteed ng gobyerno, it is considered a low risk investment.

Retail Treasury Bonds, ang minimum po natin dito. So yung Retail Treasury Bonds, ito po ay in pesos. Php5,000 po ang minimum investment amount nito.

And this all usually comes in multiples of Php5,000 after and then 100% government guaranteed.

Yung Retail Dollar Bond is also a bond coming from the government but this is dollar-denominated, US dollar-denominated. At ang minimum investment dito ay Php300.

And then after that, pag nabigyan natin yung minimum kung gusto mo magdagdag, in multiples of 100 yung pwede natin ibigay.

100% government guaranteed dito at ang advantage ng Retail Dollar Bond ay mayroon itong foreign exchange risk na benefit compared to Retail Treasury Bond.

So kung kayo overseas, maganda po na ito ay pasukin ninyo, RDB or RTB at aabangan ninyo yan.

Magsasabi naman ako dito sa channel natin at sa page natin na sana pala ibalik na ng Facebook. Tatlong buwan na po tayong hindi nakakapasok sa ating Facebook dahil sa nalockout tayo.

Okay. So yan po yung ating Dollar Bond and yung ating Treasury Bonds. So maganda po na pasukin natin yan.

So ano ba yung ginagamit? Saan ginagamit ng gobyerno ang RTB and RTB? So ito ay programa ng gobyerno para sa mga maliliit na investors to address its financial inclusion objective.

And it aims to diversify investment exposure. At sana ito ay makatulong sa ating economic recovery dahil ginagamit ito ng gobyerno para pondohan ng mga programa nito, ang mga social services natin, ang mga infrastructure projects.

At hopefully pagnasalpon natin kay Lord na hindi gamitin sa corruption. Kasi pera na nga natin, kukorop pa nila.

So paano tayo mag-open ng ating RTBs o RTBs? Pwede tayong bumili sa mga selected commercial banks. Land Bank meron po yan, ang OF Bank meron din, at saka ang Bonds.ph. Ang Bonds.ph po ay isang app po yan.

So kapag tayo ay papasok dito sa RTB or RDB, saan natin ito pwedeng gamitin? Ito ay para sa retirement, pwedeng pagpapagawa ng bahay, nag-iipon tayo para doon, nag-iipon din tayo para sa edukasyon ng ating mga anak, at pwede rin health fund at saka pamana.

Okay? So yan po ang RTB and RTB. At huwag kakalimutan, ang sabi ko nga, mga nasa Pebrero po ay mayroong RTB na iyo offer.

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