00:35.9
So marami kayong mga life goals, diba?
00:38.0
So ano ba yung priority ninyo, Jaan?
00:41.6
Okay. So ako, for example, ang priority ko sa aking mga life goals ay, yun nga,
00:50.0
to spend more time with my family and friends.
00:52.8
Pero tinanong natin ng ating mga YouTuber viewers, at meron po tayong 725 votes na nakuha,
00:59.5
ang sabi nila ay 55% magkaroon ng masaya at masaga ng pamumuhay.
01:05.6
Okay. Tapos ang next naman ay magkaroon daw ng sariling tirahan, house and lotman o kondo.
01:16.6
Mapagtapos sa pag-aaral ang mga anak, 12%.
01:20.4
Mabayaran ng utang 6% at magsisimula na ako ng aking negosyo, 12%.
01:27.8
Okay? So dito sa ating malamutual fund na investment sa co-op,
01:33.2
puna-muna ay pag-usapan natin ano ba yung co-op share capital investing.
01:40.7
So dito sa ating co-op share capital investing,
01:43.6
ito po ay, ang kooperativa kasi, it's composed of members that share the same interest
01:48.8
with social, economic, and cultural objectives.
01:51.8
So hindi lang puro profit, meron siyang social and cultural objectives.
01:56.9
This is considered as a high-risk investment kasi sa datos nga po ng Co-Development Authority,
02:04.8
marami po talagang mga nagsasara at mga non-functional na mga kooperativa.
02:09.4
Kaya makinig mo kayo dito sa ating co-op share capital joint venture savings
02:16.9
kasi magtuturo tayo kung paano yun mare-reduce.
02:19.9
Okay? So ang co-op share capital investing,
02:23.5
kapag tayo mag-i-invest sa ating co-ops, sa mga co-ops,
02:26.4
hahanapin natin yung 10 years and above na in existence
02:30.0
pag mamay-ari nila ang kanilang headquarters
02:32.4
at greater than 80 points ang kanilang co-op pesos score.
02:36.8
So pag tayo ay mag-i-invest sa mga kooperativa
02:42.9
at maglalagay tayo ng share capital sa kanila,
02:45.3
we have to undergo pre-membership seminar with them,
02:48.8
o yung tinatawag na PMES.
02:51.0
And we have to fulfill our duties as a member,
02:54.0
so yung damayan, membership fee natin, kailangan babayaran natin yan.
02:58.1
Meron din tayong voting right in the General Assembly
03:01.3
kasi ang General Assembly, yan yung highest governing body ng kooperative
03:06.6
at mayroon din yung usual na residency requirement.
03:10.8
So ano ba yung features ng co-op share capital investing?
03:16.5
Yung share capital na bili natin ay pareho lang yung presyo niyan
03:21.4
hanggang-hanggang.
03:22.6
Hindi ka tulad sa stock market na tumataas mo mababa
03:25.5
yung kanyang stock price.
03:28.4
At hindi po traded ang share capitals ng co-ops
03:31.6
kasi wala tayong co-op share capital exchange.
03:36.8
And mostly non-withdrawable po ang share capital sa co-ops.
03:41.4
And usually kapag tayo ay mag-withdraw na
03:43.9
o titiwalag na kailangan natin tumiwalag sa co-op
03:49.0
at i-approve dapat ito ng Board of Directors.
03:54.4
Ano naman yung advantages ng share capital investing?
03:58.4
So you can start with the low amount.
04:00.7
Marami naman mga strong cooperatives in the Philippines
04:03.6
at yung ating share capital ay constant ang price.
04:06.9
Sigurado tayo na yung nilagay natin ay makukuha natin siya.
04:10.7
Ang disadvantages naman nito ay maraming mga co-ops ang high-risk
04:17.2
at kailangan natin i-end ang ating membership
04:21.0
para ma-withdraw ang ating capital
04:23.6
kasi ang partial withdrawal usually ay hindi po yan allowed.
04:28.4
So mahaba din po ang application process
04:31.6
kasi kailangan po mag-pre-membership education seminar and all that.
04:36.2
Kaya gumawa po kami ng solusyon on how to make this better.
04:42.4
At ito po ay tinatawag natin na joint venture savings basket.
04:48.7
Ito po ay under SEDP Co-op.
04:51.7
So itong joint venture savings basket natin,
04:54.5
pinupul natin yung savings or collective savings scheme ng members natin
05:00.1
at ito ay ini-invest natin in various social enterprises and social investments.
05:05.7
At ang mangyari dito profit and loss sharing tayo instead of interest on savings.
05:12.0
Islamic banking pattern po yan.
05:15.3
So ang mangyari dito, yung SEDP Co-op ang magmamanage ng pooled funds,
05:19.8
pooled savings on behalf of the members
05:22.5
at magbabayad na lang ng management fee ang SEDP Co-op,
05:26.4
ang mga members sa SEDP Co-op para i-cover yung admin cost
05:30.4
kasi di ba yung maraming mga kailangan gawin to be able to do this.
05:37.3
SEDP Co-op also manages the pooled savings on behalf of the members
05:41.1
and members pay management fee to SEDP Co-ops.
05:45.4
Members can deposit or withdraw anytime subject to holding period guidelines.
05:51.0
So unlike doon sa isa-isa kang pumupunta doon sa mga Co-op,
05:55.6
itong joint venture savings basket natin pwede kang mag-withdraw anytime,
06:00.1
hindi mo kailangang tumiwalag pero meron siyang holding period guidelines.
06:05.2
So paano ito nangyari? Para siyang mutual fund o para din siyang UITF,
06:10.8
the way that we design yung ating joint venture savings.
06:14.3
So member savers of SEDP Co-op, lakihan natin para makita ninyo.
06:20.2
Member savers of SEDP Co-op will deposit their money in a joint venture savings basket
06:30.6
and then ito ay i-professionally manage.
06:33.2
Pag yung mga naipon natin ngayon lahat ng yan ay i-manage ng SEDP Co-op
06:37.3
and ini-invest ng SEDP Co-op sa mga social enterprises or social investments
06:42.4
that result to either gains or losses.
06:44.6
Kasi siyempre di ba kapag tayo nag-i-invest, pwedeng may gains dyan or may losses.
06:49.0
Pero since this is a basket, nata-diversify natin yung ating investment
06:54.0
and will reduce the risk of loss.
06:56.8
And the gains or losses are then passed on to the members.
07:01.2
So yan yung joint venture savings na basket.
07:06.2
So tignan natin itong example, Co-op share joint venture savings basket.
07:13.7
So ang gagawin, ang SEDP Co-op po ay mag-i-invest sa share capital ng iba't-ibang kooperativa.
07:20.4
So pwedeng Co-op A, Co-op C, B, D, E, and F.
07:26.1
Ngayon, itong lahat ng mga investment na ito ay ilalagay natin into what we call a basket.
07:32.5
So mamimix na lahat dyan yung ating Co-op share capital.
07:38.5
And what this means is, magbaparticipate ka doon sa Co-op share JVS basket natin,
07:45.7
automatic, masaspread dyan sa anim, in our example, anim na Co-ops yung pera.
07:54.0
Hindi lang nakatutok doon sa Co-op A, Co-op B, o kung ano mang Co-ops yan.
07:59.4
So yan, and how does it work?
08:02.1
So yung member savers natin will deposit their money in a joint venture savings basket
08:09.2
professionally managed by SEDP Co-op which are invested in share capital in various Co-ops.
08:16.1
So ito, specific talaga na lahat share capital in Co-operatives lang yung paglalagyan niya.
08:22.1
That result to gains or losses passed on to members.
08:27.5
So bigyan natin ng example.
08:28.9
For example, noong 2021, ang ating joint venture savings basket.
08:34.3
So naglagay tayo sa Co-op A ng P10M at nagkaroon niya siya ng dividend ng 5%.
08:42.0
So kumita siya ng P500,000.
08:44.6
Yung Co-op B, naglagay tayo ng P5M.
08:47.2
Yung SEDP Co-op na ito, kasi galing sa mga savings natin, 6% yung dividend rate.
08:52.0
And for example, ang dividend dyan ay P300,000.
08:58.7
2% naman yung P500,000, so P10,000.
09:02.3
D, 10%, P25M nilagay natin, so P2.5M.
09:07.7
And then, yung Co-op E, 8% ang dividend rate.
09:12.8
Ang nalagay natin ay P5M, so dividend ay P400,000.
09:16.4
Ang F, 9% ng P5M na nilagay natin, so P450,000.
09:21.4
So ang total na exposure natin sa 6 na kooperatiba na ito ay P50.5M.
09:28.7
And for 2021, ang kinita ay P4,160,000.
09:33.7
So ano ngayon yung mangyayari?
09:35.7
Yung P4,160,000, ididivide natin yan sa P50.5M.
09:45.2
So that will result to 8.24% na dividend.
09:50.4
Pero tatanggalan natin siya ng management fee na 2.5%.
09:54.7
Kasi yung pag-i-invest dyan at mag-monitor sa mga kooperatiba,
09:58.4
magpapasweldo tayo ng mga tao.
10:00.3
So kailangan may management fee.
10:02.6
So tatanggalin yung management fee na 2.5%.
10:05.5
So ang resulta ngayon yan ay 5.74% na dividend rate para sa 2021.
10:17.1
So kung naglagay ka ng P100,000 times 5.74%,
10:23.4
ang makukuha mo ngayon ay P5,740 na dividend for that year.
10:28.8
At yan po ay tax-free.
10:32.0
So ito naman, for example, naglagay tayo for 2022.
10:37.2
So dahil dumami yung mga investors natin, lumaki.
10:40.4
Pero si Co-op A, 2% na lang yung naging dividend niya, bumaba.
10:48.5
Si Co-op B, 3%, P10,300,000.
10:53.3
Si Co-op C, 11%, pero P1,000,000 lang nalagyan natin.
10:57.8
So P110,000 yung nakuha natin dyan.
11:02.6
Si Co-op D, 11% din, P100,000,000 yung nalagay natin.
11:07.7
And so on and so forth.
11:09.2
So ang total ng basket natin, P138,000,000,
11:12.7
spread over these cooperatives.
11:15.1
At ang dividend ay P12,39,000,000.
11:19.5
So P12,390,000 divided by P138,000 ay 8.98%.
11:26.5
Minus 2.5% na management fee ay 6.48% ngayon ang ating dividend rate para sa 2022.
11:36.1
So kung may P100,000 tayo, mumultiply natin ng 6.48%.
11:40.2
P6,480 po yung ating kikitain.
11:44.3
So kung kayo po ay interested, ito po ay ang tinatawag nating SEDP Co-op Share Capital.
11:50.7
At ito po ang kanyang terms, Share Capital Joint Venture Savings Basket.
11:55.3
At ito po ang ating terms and conditions.
11:58.4
So Share Capital Basket para mas mabilis.
12:02.7
So this is open to all SEDP members.
12:05.2
Ang minimum po nito ay P10,000 and in multiples of P10,000.
12:12.2
Tapos ang maximum po ay P1,000,000 kung interested kayo.
12:17.6
Ang dividend payout po nito ay annual.
12:20.8
So every year po natin ibibigay kasi ang mga co-ops ay nagbibigay din po ng dividend every year.
12:29.2
Ang return po dito, ang pinapredict namin is ang estimate natin ay 4% to 7% per annum.
12:36.5
So this is variable depending on the basket of cooperatives performance.
12:41.9
So payout in wallets will not earn.
12:44.7
Two years holding period po ito.
12:47.0
At kapag nag-preterminate tayo, hindi natin natapos yung two years,
12:51.1
pwede mo naman ma-withdraw pero may 10% na pretermination fee.
12:54.9
2.5% ang ating annual management fee.
13:00.0
Wala po itong guarantee.
13:01.6
So kung tayo po ay malulugi, lahat po tayo ay may lugi na ma-experience.
13:08.2
Pero pagkita, lahat din po ay kikita.
13:10.8
If co-ops performance is bad, there may be possibility of 0% dividend and savings may decrease.
13:17.9
Lalong-lalo na kapag nagsara yung kooperatiba, maaaring mabawasan yung savings natin.
13:22.6
At katulad din yan ng mutual fund UITF.
13:25.6
Pero this one, we will make sure na yung mga strong cooperatives ang makukuha natin.
13:32.0
So ano yung pros and cons of share capital joint venture savings basket?
13:38.5
Ang individual co-op investing kasi, you need to become a member of many cooperatives,
13:44.3
you need to monitor all accounts in co-ops.
13:48.8
So kung ikaw yung gagawaan yan, parang mga 25 cooperatives, so ikaw lahat ang gagawaan yan.
13:56.2
And you also need to monitor the performance of all the cooperatives.
13:59.6
So medyo mahirap-hirap siyang gawin pag gawin mo isa-isa.
14:02.5
And there will be several transactions if you need to withdraw large sum
14:07.0
kasi naka-spread sa iba-iba so kakausapin mo lahat yun.
14:11.0
There's also high administrative cost for you
14:15.0
kasi ang mga co-ops naman hindi naman yan naka-central sa Metro Manila,
14:19.2
hindi naman po lahat online.
14:20.8
So meron niyang cost of transportation and communications at magasnot din sa oras.
14:25.6
It's also capital-intensive kasi kailangan mong mag-comply
14:28.9
sa lahat ng mga minimum maintaining balances ng co-ops.
14:31.5
Usually ang kailangan ng minimum maintaining balances na sa 3,000.
14:36.6
So kung sampu yan, edi 30,000 na yan agad.
14:39.6
So yung share capital joint venture savings basket naman,
14:44.1
ito yung kanyang mga pros.
14:46.0
So diversification.
14:47.6
Mabilis na makakadiversify sa investment sa maliit na kapital lamang
14:51.7
kasi pag-save mo sa 10,000 pesos mo,
14:54.8
masaspread na yun sa lahat ng mga kooperatiba na nakapaloob dyan.
14:59.3
Ang liquidity ay nandyan din kasi maaari mong makuha ang investment
15:03.2
kung bigla ang kakailanganin ng pera.
15:05.4
Hindi mo kakausapin yung maraming co-op
15:07.4
at hindi mo kailangang tumiwalag sa kooperatiba.
15:11.3
There's also no capital requirement
15:13.6
kasi pwede ka nang makapagbukas sa halagang 10,000 pesos lam.
15:17.6
And there is close monitoring of co-op performance
15:21.0
kasi ang SEDP co-op po mismo ang mamamahala
15:24.2
sa pagre-review ng performance ng kooperatiba.
15:27.7
So ito rin po ay convenient kasi lahat po ng transactions natin ay online.
15:32.8
And because we designed this as a joint venture savings, basket siya,
15:38.6
it is still exempted sa co-operative savings natin o yung kikitain natin dyan.
15:47.7
So, yung share capital joint venture savings basket cons naman,
15:51.3
so mayroon niyang disadvantages,
15:53.8
mayroong annual management fees.
15:55.3
Pero hindi naman yung annual management fee natin ay winawaldas.
15:59.0
But this is actually needed for monitoring and compliance.
16:03.4
Tapos, there's also risk of loss.
16:05.5
Kapag nalugi ang kooperatiba,
16:08.0
maaaring wala tayong dibidendong makuha for that year.
16:11.0
Naranasan ko na po yan sa ibang mga kooperatiba.
16:14.4
Maaaring din pong magsara ang kooperatiba,
16:17.1
so ito po ay ibabawas sa savings natin.
16:20.0
So liliit yung ating savings.
16:21.9
Pero hindi naman po siya, masi zero.
16:24.5
Management risk is also there.
16:28.9
So just to summarize, individual co-op investing at saka share capital joint venture savings basket.
16:35.8
So tax exempt po, pareho silang tax exempt.
16:38.8
Annual management fee sa individual co-op ay wala.
16:42.0
Pero sa share capital ay mayroon pong 2.5% per annum sa ating share capital basket.
16:49.6
If co-op incurs losses, wala pong dividend sa individual co-op.
16:54.0
Pareho naman sa share capital basket natin.
16:56.8
If co-op closes down, you lose everything kapag naglagay ka sa co-op na yan.
17:05.2
Pero kapag dito tayo sa share capital basket natin,
17:08.7
mababawasan lang yung portion na nag-close na co-op.
17:15.0
Next, membership.
17:16.4
Kailangan mong magpamember sa maraming co-op kung maging individual co-op investing ka.
17:20.4
Pero sa share capital basket, sa senti co-op ka na lang magpapamember.
17:25.2
So isa na lang, di ba?
17:26.8
Ang co-op account monitoring natin, sa individual co-op investing,
17:32.1
you monitor all the accounts, your co-op accounts.
17:35.8
Sa share capital basket natin, SEDP will monitor the co-ops for you.
17:41.2
So hindi mo na kailangang tignan okay pa ba yung co-op na ito o hindi.
17:46.0
Ang SEDP na yung titingin niya.
17:48.4
Yung co-op performance assessment, you make your own assessment.
17:52.4
Yung co-op PESO score na pagkahirap-hirap kuhanin
17:55.2
kasi hindi naman lahat ng kooperativa ay nak-audit ng CDA.
18:01.0
So kami po misma, we make our own internal co-op PESO score.
18:05.2
So SEDP conducts the assessment.
18:07.7
Yan po, diyan po na pupunta yung ating management fee.
18:12.8
Diversification, wala kapag tayo sa individual co-op investing.
18:17.2
Pero sa share capital basket, mayroon po tayong diversification dyan.
18:22.0
Liquidity, you need to exit the co-op membership
18:25.7
kapag ikaw mag-wi-withdraw sa share capital.
18:27.7
Pero dito sa atin, sa share capital basket, it's withdrawable anytime.
18:32.5
Capital needed, you comply with all the co-op maintaining balances.
18:36.8
Dito naman sa atin ay, sa share capital natin,
18:40.1
it is only as low as P10,000.
18:45.1
And just to give you figures to compare,
18:49.5
the share capital versus the,
18:52.4
may co-op share capital investment versus the stock market.
18:56.7
So ito po yung graph natin.
18:60.0
So ako, ang projection ko for the co-op investment for this year
19:04.7
ay nasa 8% yung makukuha.
19:06.9
For last year pala, for 2022.
19:09.4
So kapag naglagay tayo ng P1M noong 2005,
19:14.7
yung ating, at nilagay natin yan sa stock market,
19:18.8
yung P1M ay worth P303.13M.
19:24.5
Pero kapag nilagay natin yan doon sa mga piling kooperatiba na pinaglalagyan ko,
19:29.7
yung P1M na yan ay P8.13M na.
19:35.4
By December 31, 2013.
19:39.2
So if you take a look at this,
19:41.7
yung co-op line is far higher compared to the stock exchange line.
19:47.6
Yung co-op line is a steady slope.
19:49.5
Yung PSE line goes up and down.
19:51.6
So ano po yung ibig sabihin yan?
19:54.0
So yung co-op line is far higher compared to PSE line.
19:57.9
Ibig sabihin, mas profitable yung co-op than the stock market.
20:01.4
Co-op line is a steady slope.
20:03.7
The co-op investment is stable and consistent.
20:07.0
Yung PSE-I line goes up and down.
20:09.8
Ibig sabihin, unpredictable talaga kapag sa stock market tayo nag-e-invest.
20:16.6
Thanks for watching!
20:18.1
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20:24.5
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20:28.6
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20:32.8
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20:34.6
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