#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 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 Sinon Loresca (S

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Pag-uusapan natin ng mga malamutual fund na investment sa co-op.

So ito po ay ang Joint Venture Savings Basket.

So I'll be discussing co-op share capital investing, yung JVS basket natin,

co-op share capital Joint Venture Savings Basket, terms and conditions,

at saka yung pros and cons ng co-op share capital Joint Venture Savings Basket.

Okay. Okay. Diba?

So yan po. Balik tayo sa ating attendance check kanina.

City, province, or country kung nasaan kayo ngayon.

At ano ang priority sa mga life goals ninyo?

So marami kayong mga life goals, diba?

So ano ba yung priority ninyo, Jaan?

Okay. So ako, for example, ang priority ko sa aking mga life goals ay, yun nga,

to spend more time with my family and friends.

Pero tinanong natin ng ating mga YouTuber viewers, at meron po tayong 725 votes na nakuha,

ang sabi nila ay 55% magkaroon ng masaya at masaga ng pamumuhay.

Okay. Tapos ang next naman ay magkaroon daw ng sariling tirahan, house and lotman o kondo.

So 16% yan.

Mapagtapos sa pag-aaral ang mga anak, 12%.

Mabayaran ng utang 6% at magsisimula na ako ng aking negosyo, 12%.

Okay? So dito sa ating malamutual fund na investment sa co-op,

puna-muna ay pag-usapan natin ano ba yung co-op share capital investing.

So dito sa ating co-op share capital investing,

ito po ay, ang kooperativa kasi, it's composed of members that share the same interest

with social, economic, and cultural objectives.

So hindi lang puro profit, meron siyang social and cultural objectives.

This is considered as a high-risk investment kasi sa datos nga po ng Co-Development Authority,

marami po talagang mga nagsasara at mga non-functional na mga kooperativa.

Kaya makinig mo kayo dito sa ating co-op share capital joint venture savings

kasi magtuturo tayo kung paano yun mare-reduce.

Okay? So ang co-op share capital investing,

kapag tayo mag-i-invest sa ating co-ops, sa mga co-ops,

hahanapin natin yung 10 years and above na in existence

pag mamay-ari nila ang kanilang headquarters

at greater than 80 points ang kanilang co-op pesos score.

So pag tayo ay mag-i-invest sa mga kooperativa

at maglalagay tayo ng share capital sa kanila,

we have to undergo pre-membership seminar with them,

o yung tinatawag na PMES.

And we have to fulfill our duties as a member,

so yung damayan, membership fee natin, kailangan babayaran natin yan.

Meron din tayong voting right in the General Assembly

kasi ang General Assembly, yan yung highest governing body ng kooperative

at mayroon din yung usual na residency requirement.

So ano ba yung features ng co-op share capital investing?

Yung share capital na bili natin ay pareho lang yung presyo niyan

hanggang-hanggang.

Hindi ka tulad sa stock market na tumataas mo mababa

yung kanyang stock price.

At hindi po traded ang share capitals ng co-ops

kasi wala tayong co-op share capital exchange.

And mostly non-withdrawable po ang share capital sa co-ops.

And usually kapag tayo ay mag-withdraw na

o titiwalag na kailangan natin tumiwalag sa co-op

at i-approve dapat ito ng Board of Directors.

Ano naman yung advantages ng share capital investing?

So you can start with the low amount.

Marami naman mga strong cooperatives in the Philippines

at yung ating share capital ay constant ang price.

Sigurado tayo na yung nilagay natin ay makukuha natin siya.

Ang disadvantages naman nito ay maraming mga co-ops ang high-risk

at kailangan natin i-end ang ating membership

para ma-withdraw ang ating capital

kasi ang partial withdrawal usually ay hindi po yan allowed.

So mahaba din po ang application process

kasi kailangan po mag-pre-membership education seminar and all that.

Kaya gumawa po kami ng solusyon on how to make this better.

At ito po ay tinatawag natin na joint venture savings basket.

Ito po ay under SEDP Co-op.

So itong joint venture savings basket natin,

pinupul natin yung savings or collective savings scheme ng members natin

at ito ay ini-invest natin in various social enterprises and social investments.

At ang mangyari dito profit and loss sharing tayo instead of interest on savings.

Islamic banking pattern po yan.

So ang mangyari dito, yung SEDP Co-op ang magmamanage ng pooled funds,

pooled savings on behalf of the members

at magbabayad na lang ng management fee ang SEDP Co-op,

ang mga members sa SEDP Co-op para i-cover yung admin cost

kasi di ba yung maraming mga kailangan gawin to be able to do this.

SEDP Co-op also manages the pooled savings on behalf of the members

and members pay management fee to SEDP Co-ops.

Members can deposit or withdraw anytime subject to holding period guidelines.

So unlike doon sa isa-isa kang pumupunta doon sa mga Co-op,

itong joint venture savings basket natin pwede kang mag-withdraw anytime,

hindi mo kailangang tumiwalag pero meron siyang holding period guidelines.

So paano ito nangyari? Para siyang mutual fund o para din siyang UITF,

the way that we design yung ating joint venture savings.

So member savers of SEDP Co-op, lakihan natin para makita ninyo.

Member savers of SEDP Co-op will deposit their money in a joint venture savings basket

and then ito ay i-professionally manage.

Pag yung mga naipon natin ngayon lahat ng yan ay i-manage ng SEDP Co-op

and ini-invest ng SEDP Co-op sa mga social enterprises or social investments

that result to either gains or losses.

Kasi siyempre di ba kapag tayo nag-i-invest, pwedeng may gains dyan or may losses.

Pero since this is a basket, nata-diversify natin yung ating investment

and will reduce the risk of loss.

And the gains or losses are then passed on to the members.

So yan yung joint venture savings na basket.

So tignan natin itong example, Co-op share joint venture savings basket.

So ang gagawin, ang SEDP Co-op po ay mag-i-invest sa share capital ng iba't-ibang kooperativa.

So pwedeng Co-op A, Co-op C, B, D, E, and F.

Okay?

Ngayon, itong lahat ng mga investment na ito ay ilalagay natin into what we call a basket.

So mamimix na lahat dyan yung ating Co-op share capital.

And what this means is, magbaparticipate ka doon sa Co-op share JVS basket natin,

automatic, masaspread dyan sa anim, in our example, anim na Co-ops yung pera.

Hindi lang nakatutok doon sa Co-op A, Co-op B, o kung ano mang Co-ops yan.

Okay?

So yan, and how does it work?

So yung member savers natin will deposit their money in a joint venture savings basket

professionally managed by SEDP Co-op which are invested in share capital in various Co-ops.

So ito, specific talaga na lahat share capital in Co-operatives lang yung paglalagyan niya.

That result to gains or losses passed on to members.

Okay?

So bigyan natin ng example.

For example, noong 2021, ang ating joint venture savings basket.

So naglagay tayo sa Co-op A ng P10M at nagkaroon niya siya ng dividend ng 5%.

So kumita siya ng P500,000.

Yung Co-op B, naglagay tayo ng P5M.

Yung SEDP Co-op na ito, kasi galing sa mga savings natin, 6% yung dividend rate.

And for example, ang dividend dyan ay P300,000.

2% naman yung P500,000, so P10,000.

D, 10%, P25M nilagay natin, so P2.5M.

And then, yung Co-op E, 8% ang dividend rate.

Ang nalagay natin ay P5M, so dividend ay P400,000.

Ang F, 9% ng P5M na nilagay natin, so P450,000.

So ang total na exposure natin sa 6 na kooperatiba na ito ay P50.5M.

And for 2021, ang kinita ay P4,160,000.

So ano ngayon yung mangyayari?

Yung P4,160,000, ididivide natin yan sa P50.5M.

So that will result to 8.24% na dividend.

Pero tatanggalan natin siya ng management fee na 2.5%.

Kasi yung pag-i-invest dyan at mag-monitor sa mga kooperatiba,

magpapasweldo tayo ng mga tao.

So kailangan may management fee.

So tatanggalin yung management fee na 2.5%.

So ang resulta ngayon yan ay 5.74% na dividend rate para sa 2021.

So kung naglagay ka ng P100,000 times 5.74%,

ang makukuha mo ngayon ay P5,740 na dividend for that year.

At yan po ay tax-free.

So ito naman, for example, naglagay tayo for 2022.

So dahil dumami yung mga investors natin, lumaki.

Pero si Co-op A, 2% na lang yung naging dividend niya, bumaba.

So P200,000.

Si Co-op B, 3%, P10,300,000.

Si Co-op C, 11%, pero P1,000,000 lang nalagyan natin.

So P110,000 yung nakuha natin dyan.

Si Co-op D, 11% din, P100,000,000 yung nalagay natin.

So P11,000,000.

And so on and so forth.

So ang total ng basket natin, P138,000,000,

spread over these cooperatives.

At ang dividend ay P12,39,000,000.

So P12,390,000 divided by P138,000 ay 8.98%.

Minus 2.5% na management fee ay 6.48% ngayon ang ating dividend rate para sa 2022.

So kung may P100,000 tayo, mumultiply natin ng 6.48%.

P6,480 po yung ating kikitain.

So kung kayo po ay interested, ito po ay ang tinatawag nating SEDP Co-op Share Capital.

At ito po ang kanyang terms, Share Capital Joint Venture Savings Basket.

At ito po ang ating terms and conditions.

So Share Capital Basket para mas mabilis.

So this is open to all SEDP members.

Ang minimum po nito ay P10,000 and in multiples of P10,000.

Tapos ang maximum po ay P1,000,000 kung interested kayo.

Ang dividend payout po nito ay annual.

So every year po natin ibibigay kasi ang mga co-ops ay nagbibigay din po ng dividend every year.

Ang return po dito, ang pinapredict namin is ang estimate natin ay 4% to 7% per annum.

So this is variable depending on the basket of cooperatives performance.

So payout in wallets will not earn.

Two years holding period po ito.

At kapag nag-preterminate tayo, hindi natin natapos yung two years,

pwede mo naman ma-withdraw pero may 10% na pretermination fee.

2.5% ang ating annual management fee.

Wala po itong guarantee.

So kung tayo po ay malulugi, lahat po tayo ay may lugi na ma-experience.

Pero pagkita, lahat din po ay kikita.

If co-ops performance is bad, there may be possibility of 0% dividend and savings may decrease.

Lalong-lalo na kapag nagsara yung kooperatiba, maaaring mabawasan yung savings natin.

At katulad din yan ng mutual fund UITF.

Pero this one, we will make sure na yung mga strong cooperatives ang makukuha natin.

So ano yung pros and cons of share capital joint venture savings basket?

Ang individual co-op investing kasi, you need to become a member of many cooperatives,

you need to monitor all accounts in co-ops.

So kung ikaw yung gagawaan yan, parang mga 25 cooperatives, so ikaw lahat ang gagawaan yan.

And you also need to monitor the performance of all the cooperatives.

So medyo mahirap-hirap siyang gawin pag gawin mo isa-isa.

And there will be several transactions if you need to withdraw large sum

kasi naka-spread sa iba-iba so kakausapin mo lahat yun.

There's also high administrative cost for you

kasi ang mga co-ops naman hindi naman yan naka-central sa Metro Manila,

hindi naman po lahat online.

So meron niyang cost of transportation and communications at magasnot din sa oras.

It's also capital-intensive kasi kailangan mong mag-comply

sa lahat ng mga minimum maintaining balances ng co-ops.

Usually ang kailangan ng minimum maintaining balances na sa 3,000.

So kung sampu yan, edi 30,000 na yan agad.

So yung share capital joint venture savings basket naman,

ito yung kanyang mga pros.

So diversification.

Mabilis na makakadiversify sa investment sa maliit na kapital lamang

kasi pag-save mo sa 10,000 pesos mo,

masaspread na yun sa lahat ng mga kooperatiba na nakapaloob dyan.

Ang liquidity ay nandyan din kasi maaari mong makuha ang investment

kung bigla ang kakailanganin ng pera.

Hindi mo kakausapin yung maraming co-op

at hindi mo kailangang tumiwalag sa kooperatiba.

There's also no capital requirement

kasi pwede ka nang makapagbukas sa halagang 10,000 pesos lam.

And there is close monitoring of co-op performance

kasi ang SEDP co-op po mismo ang mamamahala

sa pagre-review ng performance ng kooperatiba.

So ito rin po ay convenient kasi lahat po ng transactions natin ay online.

And because we designed this as a joint venture savings, basket siya,

it is still exempted sa co-operative savings natin o yung kikitain natin dyan.

Okay?

So, yung share capital joint venture savings basket cons naman,

so mayroon niyang disadvantages,

mayroong annual management fees.

Pero hindi naman yung annual management fee natin ay winawaldas.

But this is actually needed for monitoring and compliance.

Tapos, there's also risk of loss.

Kapag nalugi ang kooperatiba,

maaaring wala tayong dibidendong makuha for that year.

Naranasan ko na po yan sa ibang mga kooperatiba.

Maaaring din pong magsara ang kooperatiba,

so ito po ay ibabawas sa savings natin.

So liliit yung ating savings.

Pero hindi naman po siya, masi zero.

Okay?

Management risk is also there.

Okay?

So just to summarize, individual co-op investing at saka share capital joint venture savings basket.

So tax exempt po, pareho silang tax exempt.

Annual management fee sa individual co-op ay wala.

Pero sa share capital ay mayroon pong 2.5% per annum sa ating share capital basket.

If co-op incurs losses, wala pong dividend sa individual co-op.

Pareho naman sa share capital basket natin.

If co-op closes down, you lose everything kapag naglagay ka sa co-op na yan.

Pero kapag dito tayo sa share capital basket natin,

mababawasan lang yung portion na nag-close na co-op.

Okay?

Next, membership.

Kailangan mong magpamember sa maraming co-op kung maging individual co-op investing ka.

Pero sa share capital basket, sa senti co-op ka na lang magpapamember.

So isa na lang, di ba?

Ang co-op account monitoring natin, sa individual co-op investing,

you monitor all the accounts, your co-op accounts.

Sa share capital basket natin, SEDP will monitor the co-ops for you.

So hindi mo na kailangang tignan okay pa ba yung co-op na ito o hindi.

Ang SEDP na yung titingin niya.

Yung co-op performance assessment, you make your own assessment.

Yung co-op PESO score na pagkahirap-hirap kuhanin

kasi hindi naman lahat ng kooperativa ay nak-audit ng CDA.

So kami po misma, we make our own internal co-op PESO score.

So SEDP conducts the assessment.

Yan po, diyan po na pupunta yung ating management fee.

Okay?

Diversification, wala kapag tayo sa individual co-op investing.

Pero sa share capital basket, mayroon po tayong diversification dyan.

Liquidity, you need to exit the co-op membership

kapag ikaw mag-wi-withdraw sa share capital.

Pero dito sa atin, sa share capital basket, it's withdrawable anytime.

Capital needed, you comply with all the co-op maintaining balances.

Dito naman sa atin ay, sa share capital natin,

it is only as low as P10,000.

Okay?

And just to give you figures to compare,

the share capital versus the,

may co-op share capital investment versus the stock market.

So ito po yung graph natin.

So ako, ang projection ko for the co-op investment for this year

ay nasa 8% yung makukuha.

For last year pala, for 2022.

So kapag naglagay tayo ng P1M noong 2005,

yung ating, at nilagay natin yan sa stock market,

yung P1M ay worth P303.13M.

Okay?

Pero kapag nilagay natin yan doon sa mga piling kooperatiba na pinaglalagyan ko,

yung P1M na yan ay P8.13M na.

No?

By December 31, 2013.

Okay?

So if you take a look at this,

yung co-op line is far higher compared to the stock exchange line.

Yung co-op line is a steady slope.

Yung PSE line goes up and down.

So ano po yung ibig sabihin yan?

So yung co-op line is far higher compared to PSE line.

Ibig sabihin, mas profitable yung co-op than the stock market.

Co-op line is a steady slope.

The co-op investment is stable and consistent.

Yung PSE-I line goes up and down.

Ibig sabihin, unpredictable talaga kapag sa stock market tayo nag-e-invest.

Yan po, ano?

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