#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

Video Transcript / Subtitles:( AI generated. About AI subtitles » )

* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider becoming a patron to support these video transcriptions, and the other tools and apps built by Tagalog.com

Co-op Share Joint Venture Savings Basket.

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

So pwedeng Co-op A, Co-op C, B, B, 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 yun. And how does it work?

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

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

So ito, specific talaga na lahat share capital in cooperatives lang yung paglalagyan niya.

That result to gains or losses passed on to members.

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 ZP Co-op ka na lang magpapamember.

So isa na lang. 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, ZP will monitor the co-ops for you.

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

Ang ZP na yung titingin niya.

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

Yung co-op peso score na pagkahirap-hirap kuhahanin kasi hindi naman lahat ng kooperativa ay nak-audit ng CDA.

So kami po mismo, we make our own internal co-op peso score.

So ZP 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.

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 ZP 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 alim 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 toong 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.

So P200,000.

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

Si Co-op C, 11%, pero P1,000,000 lang nagigin 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 na ngayon 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 natin

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 4-7% 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,

maaring 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 masusupport na makukuha natin.

Tag them in the comments section.

Siyempre, kung nagustuhan mo ang video, pusoan mo na ito, subscribe ka na rin.

As always, feel free to write your questions, comments, and opinions respectfully.