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00:00.0
So yung pong ating Working Capital Joint Venture Savings Basket, ito po ang terms and conditions niyan.
00:06.2
So po pwede pong ito para sa mga SEDP co-op members lamang, so kung di pa kayo membro, magpamembro na po kayo.
00:13.4
Minimum po ito ng P10,000 and in multiples of P10,000.
00:20.4
Ang maximum po ay P500,000 dito po sa JBS basket natin for Working Capital.
00:28.0
Ang annual payout po, ang dividend po ay annual ang ating payout.
00:35.4
Tapos ang return, ang estimate po natin ay nasa 4 to 9% per annum.
00:40.2
Depende po yan doon sa performance ng mga ibat-ibang mga social enterprises and co-ops na sinusuportahan natin.
00:48.8
Payouts in wallet do not earn.
00:51.2
Five years po ang holding period so 3% po yung pre-termination fee.
00:56.4
Mayroon pong 2% na annual management fee. Wala po itong guarantee.
01:01.2
At ang social enterprise o ang co-op ay hindi nakapagbayad o kaya nag-closed down, maari lamang po na mabawasan ang ating savings.
01:10.2
Di ba? Kapag kasi tayo nag-invest sa isang co-op ganyan at nagsara yun, wala na agad.
01:15.0
Ito at least nakaspread siya sa marami.
01:18.0
Meron po tayong in-arrange na SEDP Co-op Working Capital Joint Venture Savings Basket.
01:25.0
So ano pong ibig sabihin yan?
01:26.2
So katulad namin, may iba pa pong mga social enterprises.
01:31.0
May Organic Options, may Valendrez Farm, may NSCC, may Red Slab, may Pantukan Chess Club.
01:37.2
So ito po, instead na mag-invest tayo isa-isa doon, ay ilalagay na lang natin siya sa isang basket.
01:43.6
So parang siyang mutual fund in effect, ganoon yung nagiging efekto niya.
01:50.8
So ang mangyayari dito, yung member savers natin ay nagde-deposit ng kanilang money sa Joint Venture Savings Basket natin
02:03.2
which is the Working Capital Joint Venture Savings Basket.
02:06.4
And SEDP will now professionally manage that Joint Venture Savings Basket for everyone
02:13.6
which now will be invested in various social enterprises and co-ops in the Philippines
02:20.2
which can result to either gains or losses passed on to the member savers.
02:28.4
So just to give you a simulation of how it will earn.
02:33.2
For example, yung Social Enterprise A, ang dividend rate natin dyan ay 5%.
02:38.0
Kung P10M ang nilagay natin dyan, may dividend tayo na P500,000.
02:42.6
We will now apply that in various social enterprises or co-ops.
02:47.0
For example, ang total na amount na invest natin ay P50.5M.
02:52.2
Ang kinita natin na dividendo ay P3.57M.
02:56.8
Paano po natin yan paghahati-hatihan?
02:59.4
So P3,570,000 divided by P50.5M, yan po ay 7.06% na return na dividend.
03:10.4
So tatanggalin natin yung 2% na management fee.
03:13.8
Tayo po ngayon ay may 5.06% na paghahati-hatihan.
03:19.0
So kung ang average daily balance natin ay P10,000,
03:22.6
dyan po sa ating SEDP Co-op Joint Venture Savings Basket para sa working capital,
03:28.2
P10,000 x 5.06, kumita po ng P506,000.
03:32.6
Uy, mataas po yan compared sa mga ibang mga investments o ibang mga bangko.
03:38.6
Okay? So tingnan lang natin,
03:40.6
ano yung mga pros and cons ng Working Capital Joint Venture Savings Basket natin.
03:46.4
So una, there is of course a challenge in identifying and finding legit social enterprises
03:52.6
kapag tayo ay maging individual social enterprise investing, di ba?
03:57.0
At kailangan din natin i-monitor isa-isa yung mga performance ng mga yan,
04:01.0
yung social, economic, and environmental part.
04:03.6
And it is also capital intensive.
04:05.4
Galingan sabi ko, di ba, mga nasa P200,000, P300,000, P500,000, up to a million,
04:09.8
yung kakailanganin nila.
04:11.0
At pag mga co-op yan, ako, million-million po yung kanilang kinukuha.
04:15.2
Okay? So yung Working Capital Joint Venture Savings Basket,
04:18.4
pros naman natin, diversification.
04:20.8
Mabilis na, makakadiversify sa investments sa maliit na kapital lamang.
04:25.6
May din po itong liquidity kasi maaari mong makuha ang investment
04:29.2
kung bigla ang kakailanganin ang pera.
04:32.2
Okay? Tax exempt po ito dahil ito ay co-op savings.
04:36.8
Low capital requirement, makakapagbukas tayo sa halagang P10,000 lang
04:42.0
at meron po tayong higher return for that.
04:44.8
We will also closely monitor our social enterprise co-op performance
04:49.8
at ito rin po ay convenient. Maaari tayong magbukas online.
04:53.8
Okay? Ano naman yung mga disadvantages niya?
04:56.2
Meron talagang ganun, annual, ano ito, no?
04:58.8
Advantages and disadvantages.
05:00.8
So dito po may annual management fee
05:03.4
kasi kailangan naman natin mag-charge doon
05:05.4
kasi mag-monitor at ititignan natin yung compliance
05:10.0
sa pamamagitan ng SETI co-op.
05:12.8
So mayroon din risk of loss.
05:14.8
So maaaring malugi o magsara ang co-op
05:16.8
or ang social enterprise.
05:18.8
So mayroon tayong bawas sa ating savings.
05:21.8
So mayroon din niyang management risk.
05:23.8
So i-compare lang natin, no?
05:25.8
Individual, social enterprise or co-op investing
05:28.8
versus yung working capital joint venture savings basket natin.
05:32.8
So tax exempt? Yes. Pareho naman na tax exempt.
05:37.8
Okay. Yung individual, social enterprise ay yes and no
05:43.8
yung sagot natin dyan.
05:44.8
Kasi kapag social enterprise, baka po hindi.
05:49.8
So pupwedeng hindi.
05:54.8
Kung co-op, yes. Kung social enterprise, no.
05:56.8
Annual management fee, wala.
05:58.8
Sa atin po ay mayroong 2% na annual management fee.
06:08.8
Mayroon tayong 2% na annual management fee.
06:10.8
And then sa SE or co-op, kapag sila ay nalugi,
06:14.8
magkakaroon ng repayment problems.
06:16.8
Sa working capital joint venture basket,
06:18.8
we will assist the co-op or the social enterprise
06:21.8
to come up with payment solutions.
06:23.8
May example tayo dyan, Red Slab.
06:25.8
Hindi pa na natin siya sinusukuan.
06:27.8
Kapag nag-close down din, 100% of our investment is lost
06:31.8
kapag tayo ay nag-individual co-op or individual SE investing.
06:35.8
Pero dito sa working capital joint venture savings basket,
06:38.8
dahil diversified siya, magre-reduce lang
06:40.8
yung ating savings balance.
06:42.8
Account monitoring, you monitor it yourself.
06:45.8
Dito naman sa basket natin, we monitor it for you.
06:49.8
Ang performance assessment, kung ikaw mag-i-invest
06:51.8
mismo diretso, okay din lang naman kung gagawin mo
06:54.8
but you make your own assessment.
06:56.8
Tayo naman po dito sa joint venture savings basket natin
06:59.8
ay ang SEDP po ang magkakondakta.
07:03.8
And then diversification, so syempre hindi diversified
07:07.8
pag pa-isa-isa ka lang.
07:08.8
Dito sa working capital joint venture savings basket
07:12.8
yan po ay diversified.
07:14.8
Okay, liquidity, withdrawable.
07:17.8
Okay, so sa liquidity kapag individual or SE
07:22.8
ay hindi po yan withdrawable anytime.
07:26.8
Kasi usually you follow the repayment terms.
07:31.8
Pero dito po sa atin, kapag sa joint venture basket yan,
07:40.8
yan po ay mag-ano tayo, no?
07:46.8
Sandali, wrong spelling.
07:50.8
Follow, ayan. Okay.
07:55.8
Sa liquidity, tayo withdrawable anytime.
07:57.8
Yung sa individual or SE co-op,
07:59.8
we have to follow the repayment terms.
08:01.8
Depende yan sa usapan ninyo, no?
08:03.8
Capital needed, mga minimum 100,000 and up,
08:07.8
yung kailanganin mo sa individual or SE.
08:10.8
Sa working capital naman, as low as 10,000 pesos.
08:13.8
Returns, it may be higher sa individual or SE or co-op
08:16.8
kasi derecho ka na, ikaw nag-negotiate.
08:18.8
Sa atin naman ay modest, okay?
08:20.8
So, yan po kung kayo po ay interesado,
08:24.8
you are very much welcome to apply.
08:30.8
Ayan, ako po si Sir Vince, ang inyong financial guro
08:34.8
nagsasabing ang pagyaman na pag-aaralan at na pag-tutulungan.
08:39.8
Handa ka na bang lumevel up sa savings mo?
08:42.8
Join the SEDPICA social community
08:44.8
and get started to be a social investor today.
08:48.8
Umatend ng self-paced online pre-membership education seminar.
08:52.8
Mag-sign up sa bit.ly slash sedpicoop.pmes now na!
08:59.8
I-deposit ang iyong initial share capital, membership fee
09:02.8
at joint venture savings sa Gcash, BDO Online Banking,
09:06.8
BPI Online Banking, Maya, EasyPay or Direct Bank Deposit.
09:10.8
Daming options, di ba?
09:12.8
Sundi ng simple instructions sa bit.ly slash sedpipay para makapagsimula.
09:19.8
Mag-login sa iyong SEDP SRI online account
09:22.8
at ipaalam ang inyong deposit.
09:24.8
Go to bit.ly slash sedpionlinesri
09:28.8
at kami na ang bahala sa iyo.
09:30.8
Ano bang inihintay mo?
09:32.8
Sali na sa SEDPICA Sosyo ngayon
09:34.8
and let's start building a brighter financial future together!
