00:51.7
So yung member savers natin will deposit their money in a joint venture savings basket
00:58.8
professionally managed by ZP Co-op which are invested in share capital in various co-ops.
01:05.7
So ito, specific talaga na lahat share capital in cooperatives lang yung paglalagyan niya.
01:11.7
That result to gains or losses passed on to members.
01:16.5
Okay? So just to summarize, individual co-op investing at saka share capital
01:22.1
joint venture savings basket. So tax exempt po, pareho silang tax exempt.
01:27.0
Annual management fee sa individual co-op ay wala pero sa share capital ay mayroon pong 2.5%
01:34.4
per annum sa ating share capital basket.
01:37.8
If co-op incurs losses, wala pong dividend sa individual co-op. Pareho naman sa share capital basket natin.
01:45.6
If co-op closes down, you lose everything kapag naglagay ka sa co-op na yan.
01:53.4
Pero kapag dito tayo sa share capital basket natin,
01:57.0
mababawasan lang yung portion na nag-close na co-op.
02:03.3
Next, membership. Kailangan mong magpamember sa maraming co-op kung maging individual co-op investing ka.
02:08.6
Pero sa share capital basket, sa ZP Co-op ka na lang magpapamember.
02:13.4
So isa na lang. Ang co-op account monitoring natin, sa individual co-op investing,
02:20.2
you monitor all the accounts, your co-op accounts.
02:23.9
Sa share capital basket natin, ZP will monitor the co-ops for you.
02:29.4
So hindi mo na kailangang tignan, okay pa ba yung co-op na ito o hindi.
02:34.0
Ang ZP na yung titingin niya.
02:36.5
Yung co-op performance assessment, you make your own assessment.
02:40.4
Yung co-op peso score na pagkahirap-hirap kuhahanin kasi hindi naman lahat ng kooperativa ay nak-audit ng CDA.
02:49.3
So kami po mismo, we make our own internal co-op peso score.
02:53.4
So ZP conducts the assessment.
02:56.0
Yan po, diyan po na pupunta yung ating management fee.
03:01.0
Diversification, wala kapag tayo sa individual co-op investing.
03:05.4
Pero sa share capital basket, mayroon po tayong diversification dyan.
03:10.4
Liquidity, you need to exit the co-op membership kapag ikaw mag-wi-withdraw sa share capital.
03:16.0
Pero dito sa atin, sa share capital basket, it's withdrawable anytime.
03:20.8
Capital needed, you comply with all the co-op maintaining balances.
03:25.0
Dito naman sa atin ay, sa share capital natin, it is only as low as P10,000.
03:32.5
So bigyan natin ng example.
03:33.9
For example, noong 2021, ang ating joint venture savings basket.
03:39.3
So naglagay tayo sa co-op A ng P10M at nagkaroon niya siya ng dividend ng 5%.
03:46.9
So kumita siya ng P500,000.
03:49.5
Yung co-op B, naglagay tayo ng P5M.
03:52.1
Yung ZP co-op na ito, kasi galing sa mga savings natin, 6% yung dividend rate.
03:56.9
And for example, ang dividend dyan ay P300,000.
04:03.6
2% naman yung P500,000, so P10,000.
04:07.6
D, 10%, P25M nilagay natin, so P2.5M.
04:12.6
And then, yung co-op E, 8% ang dividend rate.
04:17.6
Ang nalagay natin ay P5M, so dividend ay P400,000.
04:21.4
Ang F, 9% ng P5M na nilagay natin, so P450,000.
04:26.3
So ang total na exposure natin sa alim na kooperatiba na ito ay P50.5M.
04:33.4
And for 2021, ang kinita ay P4,160,000.
04:38.6
So ano ngayon yung mangyayari?
04:40.6
Yung P4,160,000, ididivide natin yan sa P50.5M.
04:50.1
So that will result to 8.24% na dividend.
04:55.3
Pero tatanggalan natin siya ng management fee na 2.5%.
04:59.6
Kasi yung pag-i-invest dyan at mag-monitor sa mga kooperatiba,
05:03.3
magpapasweldo tayo ng mga tao.
05:05.2
So kailangan may management fee.
05:07.5
So tatanggalin yung management fee na 2.5%.
05:10.4
So ang resulta ngayon yan ay 5.74% na dividend rate para sa toong 2021.
05:22.1
So kung naglagay ka ng P100,000 times 5.74%,
05:28.3
ang makukuha mo ngayon ay P5,740 na dividend for that year.
05:33.7
At yan po ay tax-free.
05:36.9
So ito naman, for example, naglagay tayo for 2022.
05:42.2
So dahil dumami yung mga investors natin, lumaki.
05:45.3
Pero si Co-op A, 2% na lang yung naging dividend niya.
05:53.4
Si Co-op B, 3%, P10,300,000.
05:58.2
Si Co-op C, 11%, pero P1,000,000 lang nagigin natin.
06:02.7
So P110,000 yung nakuha natin dyan.
06:07.5
Si Co-op D, 11% din, P100,000,000 yung nalagay natin.
06:11.6
So P11,000,000 and so on and so forth.
06:14.2
So ang total na ngayon ng basket natin, P138,000,000,
06:17.6
spread over these cooperatives.
06:20.0
At ang dividend ay P12,39,000,000.
06:24.4
So P12,390,000 divided by P138,000 ay 8.98% minus 2.5% na management fee
06:34.2
ay 6.48% ngayon ang ating dividend rate para sa 2022.
06:41.1
So kung may P100,000 tayo, mumultiply natin ng 6.48%,
06:45.1
P6,480 po yung ating kikitain.
06:49.3
So kung kayo po ay interested, ito po ay ang tinatawag natin
06:53.5
SEDP Co-op Share Capital, at ito po ang kanyang terms,
06:57.4
Share Capital Joint Venture Savings Basket,
07:00.4
at ito po ang ating terms and conditions.
07:03.4
So Share Capital Basket para mas mabilis.
07:07.7
So this is open to all SEDP members.
07:10.2
Ang minimum po nito ay P10,000 and in multiples of P10,000.
07:17.1
Tapos ang maximum po ay P1,000,000 kung interested kayo.
07:22.5
Ang dividend payout po nito ay annual, so every year po natin ibibigay
07:27.7
kasi ang mga co-ops ay nagbibigay din po ng dividend every year.
07:34.1
Ang return po dito, ang pinapredict namin is ang estimate natin ay 4-7% per annum.
07:41.4
So this is variable depending on the basket of cooperatives' performance.
07:46.8
So payout in wallets will not earn, two years holding period po ito,
07:51.9
at kapag nag-preterminate tayo, hindi natin natapos yung two years,
07:56.0
pwede mo naman ma-withdraw pero may 10% na pretermination fee.
07:59.9
2.5% ang ating annual management fee, wala po itong guarantee
08:06.6
so kung tayo po ay malulugi, lahat po tayo ay may lugi na ma-experience.
08:13.1
Pero pagkita, lahat din po ay kikita.
08:15.8
If co-ops' performance is bad, there may be possibility of 0% dividend
08:21.7
and savings may decrease, lalong-lalo na kapag nagsara yung kooperatiba,
08:25.4
maaring mabawasan yung savings natin.
08:27.6
At katulad din yan ng mutual fund UITF.
08:30.6
Pero this one, we will make sure na yung mga strong cooperatives
08:34.6
ang masusupport na makukuha natin.
08:46.6
Tag them in the comments section.
08:48.6
Siyempre, kung nagustuhan mo ang video, pusoan mo na ito, subscribe ka na rin.
08:54.6
As always, feel free to write your questions, comments, and opinions respectfully.
