#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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... Ano ba yung co-op share capital investing? So dito sa ating co-op share capital investing, ang kooperatiba 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 kooperatiba.

Kaya makinig mo kayo dito sa ating co-op share capital joint venture savings kasi magtuturo tayo kung paano yun mare-reduce.

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

So pag tayo ay mag-i-invest sa mga kooperatiba 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.

At mayroon 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?

Ang share capital na bilhin 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 capital 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.

Okay ano naman yung advantages ng share capital investing? So you can start with the low amount. Marami naman mga strong co-operatives in the Philippines at yung ating share capital ay constant ang price.

So sigurado tayo na yung nilagay natin ay makukuha natin siya.

Ang disadvantages naman nito ay maraming mga co-ops ang high risk at kailangan nating i-end ang ating membership para ma-withdraw ang ating capital

kasi ang partial withdrawal usually ay hindi po yan allowed.

Mahaba din po ang application process kasi kailangan po mag-pre-membership education seminar and all that.

Ang individual co-op investing kasi you need to become a member of many co-operatives, you need to monitor all accounts in co-ops.

Kung ikaw ang gagawa niyan parang mga 25 co-operatives, so ikaw lahat ang gagawa niyan.

And you also need to monitor the performance of all the co-operatives. 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 nakaspread 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 nakasentral sa Metro Manila, hindi naman po lahat online.

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

It's also capital-intensive kasi kailangan mo mag-comply sa lahat ng minimum maintaining balances ng co-ops.

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

Kung 10,000 yan, 30,000 na yan agad. Co-op share capital investment versus the stock market.

So ito po yung graph natin. 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 at nilagay natin yan sa stock market, yung P1M ay worth P303.13M.

Pero kapag nilagay natin yan sa mga piling kooperatiba na pinaglalagyan ko, yung P1M na yan ay P8.13M na by December 31, 2013.

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