#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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So dito tayo sa number 2 natin, rental properties for advanced investors.

So ang rental properties natin, this is a good source of passive income.

It's also an inflation hedge kasi usually kapag sumasabay ang pagtaas ng renta

sa presyo ng bilihin, medyo kaya niyang humapol.

And there is also potential for capital gains kasi usually over time

ang property values.

So ano yung mga rental property guidelines natin?

So number 1, dapat positive ang ating cash flow.

Yung rental income natin should be higher than our loan amortization

kapag kinuha natin ito ng loan.

At kaya nitong i-cover ang association dues and other expenses

lalong-lalo na mga condominium, diba?

Dapat ay ma-cover niya lahat yun.

Hindi lang yung amortization natin.

Sunod ay ang return on investment dapat nito should be within 8 years.

That means, mababawi mo yung inilabas mong pera in a span of 8 years.

Ang nakita ko nga dyan sa experience ko, nakikita ko in reality,

yung mga nag-i-invest sa mga condominiums, it really takes them about 15-25 years

para mag-return on investment sila.

So is that really a good investment? Ganon katagal? I think not.

Tapos sinasabi nila na nag-appreciate naman yung value nito.

Again, I asked them, saan nyo ba kinuha yung amount na yan,

yung property value na yan?

Baka naman kinuha nyo yan sa real estate developer mismo.

Siyempre siya yung nagbebenta, tataasan niya.

Ang totoong presyon yan ay kapag may nabenta at titignan mo magkano talaga.

And usually, yung publish rate ng mga developers, kalahati niyan.

Yan yung real na valuation.

And of course, to protect yourself, you have to get property insurance.

And usually, this is only about a million pesos per one million property value.

So para saan ang rental properties natin? Ano yung investment purpose nito?

This is a good way to prepare for our retirement to have a fund for our children,

for education of our children.

Kasi ano yan, para kang every month may nakukuha,

pwede mo yan gamitin pang paaral sa kanila at pang tuition.

And of course, this is a very good way to augment your daily expenses.

At ganon nga yung nangyari sa mga magulang ko kasi,

gusto ko naman, kulang na kulang ang kanilang SSS pension.

Parang 6,000 na libo lang sila.

Kulang na kulang yan talaga.

So maganda na nagkaroon sila ng rental properties.

It augments their SSS pension.

Tapos meron din silang kaunting welfare pension dahil sila ay American citizens.

So yes, kung pwede kang magkaroon kahit Amerikano ka,

makakakuha ka pa rin ng SSS pension.

Maganda rin itong pampamana.

Ang bahay, ang lupa.

Very traditional way for us to give inheritance to our loved ones.

Thanks for watching!

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