#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 po tayo, abot kayang investment sa lupa, Real Estate Joint Venture Savings Basket.

So yan po sa Senpi kasosyo yan.

Pag-uusapan natin ang pros and cons of real estate investing,

ang Real Estate Joint Venture Savings Basket at ang terms and conditions nito.

Tapos titignan din natin ang pros and cons ng Real Estate Joint Venture Savings Basket.

Okay, so ano ba yung pros and cons?

Okay, of real estate, of Real Estate Joint Venture Savings Basket.

So pros and cons, pros of rental property investing muna, palitan nga po natin yan para

mas accurate yung ating mga ine-explain, ha?

Pros of, pros and cons of,

real estate, estate investing.

Okay, yan. So pros and cons of real estate investing.

So pros muna, rental property investing.

So meron ito kasing steady cash flow from rent.

So maganda po yan, para kang sumasweldo.

Again, this is also a very good inflation hedge kasi sumasabay usually ang pagtaas ng renta

sa pagtaas ng presyo ng bilhin.

Low tax rate compared sa individual income tax.

Kasi usually yung mga nakaka-afford na magkaroon ng rental property,

medyo mataas na ang kanilang income bracket, mas mataas ang tax rate yan.

Pero ang rental property po ay nasa 7% lamang.

Property valuation appreciation kasi property value ay tumataas po yan usually.

Ano naman yung cons of rental property investing?

This is very capital intensive.

Hindi po ito liquid.

There's high barrier to entry at yung location and construction,

kailangan nyo po talagang pag-isipan yan ng mabuti.

And there's also tenant selection and management,

aside from property repair and maintenance.

So maraming kailangan gawin kapag tayo ay magpaparenta.

Although, hindi naman sya ganoon karegular na kailangan gawin.

So ito po yung SEDPICO of real estate portfolio natin.

So ito po yung mga rental properties natin.

So meron po tayong naitayo noong 2006.

Yung Marjan 1, this is in Manila, it's worth Php16.5M.

2014, Madela 1, this is worth Php8M.

2020, Marjan 2, Php19.8M.

2022, Rosario 1, Agustin del Sur po ito,

na binisita lang natin kanina, nasa Php25M.

So ito po yung Marjan 1 noong 2006, 4 units lang po yan.

Noong 2018, saka natin napatapos na 12-unit apartment

dahil binili natin yung kabilang lupa na pinatayuan natin ng Marjan 2

at ngayon po ay may 14-unit apartments na nandyan.

Sa Madela naman po ay meron tayong 5-unit commercial property doon.

At ito naman po, pinapatayuan natin sa Rosario,

akakabisita lang po natin kanina,

this is a 5-unit commercial property

and nasa 400 square meters po yan.

Ano po yung mga nasa pipeline natin?

Meron tayong 5 hectares sa Veruela, Agustin del Sur,

merong 2 hectares sa Bislig, may 4 hectares sa Trento,

at meron tayong 200 square meters sa Lawang.

Okay, so gusto nyo bang mag-invest sa lupa

pero kulang ang inyong pera,

ang kasagutan po dyan ay Real Estate Joint Venture Savings Basket.

Paano po ito?

So ang Real Estate Joint Venture Savings Basket ng SEDP Co-op,

ito po ay, it allows you to participate in SEDP Co-op real estate properties.

Yung nabanggit ko kanina Marjan 1, Madela 1, Marjan 2, at saka Rosario 1.

So we put all of this in one basket

so that you are able to participate.

Hindi mo na kailangan mag-build on your own

pero pwede ka nalang mag-participate, okay?

So how Real Estate Joint Venture Savings Basket works?

First, you have to be a member of SEDP Co-op.

So once you're now a member of SEDP Co-op,

you deposit your money in the Real Estate Joint Venture Savings Basket

and we will professionally manage it ng SEDP Co-op

which are invested in various real estate properties

that result to either gains or losses

that's passed on to the SEDP Co-op members.

So yung Real Estate Joint Venture Savings Basket natin,

this is actually a pooled savings from SEDP Co-op members

invested in various real estate properties.

Meron po itong profit and loss sharing instead of interest on savings.

So primarily, this is a savings product of the cooperative

using the Islamic banking approach na profit share ang kanyang style.

SEDP Co-op manages the pooled savings on behalf of the members.

Siya po yung nag-manage yan.

And members pay management fee to SEDP Co-op to cover the administrative cost.

Meron naman pong gastos yan, yung pag-manage, pag-construct.

And members can deposit or withdraw any time subject to holding period guidelines.

So yan po yung Real Estate Joint Venture Savings Basket natin.

So just to give you an example, this 2023, ang projection natin,

yung Marzan One, ang exposure natin dyan, for example,

out of the 16.5 million, ay 4.5 million ang exposure

ng Joint Venture Savings Basket natin.

Ang share in rent, for example, ay nasa P315,000.

Ang yield niya ay 7%.

Sa Marzan Two, P10 million yung exposure natin, P600,000 yung rent.

So that's about 6% na yield.

Sa Madela One, P2 million yung exposure natin at ang share in rent ay P170,000.

So that's about 8.5% na yield.

So ang total po ay 16.5 million, ang share in rent ay P1,085,000.

And that will give us a yield of 6.6%.

So for example, you have given a P100,000 ADB doon sa ating

Joint Venture Savings Basket, nag-invest ka ng P100,000 dyan,

imumultiply natin ng 6.6%, so that's about P6,600.

So P6,600, yan yung kinita ng iyong P100,000

pag nag-invest ka dito sa Real Estate Joint Venture Savings Basket natin,

which will be paid out to you every year.

Yan ang payout na yan.

So ano yung terms and conditions ng ating Real Estate Joint Venture Savings Basket?

Unang-una po, this is open only to SEDP members.

Kung hindi po kayo miyambro, hindi po kayo po pwedeng sumali.

Ang maximum po dito ay P10,000, at maaari rin lang po kayong magdagdag

in multiples of P10,000.

Ang maximum po na pwede natin ilagay dito ay P1,000,000.

Ang annual dividend po natin dito ay binibigay every year.

At ang projected return natin is about 4% to 7% per anong...

No, no. Based on...

Sorry. This is based on the performance of the real estate.

So let me just edit this para...

Ano, no?

Based on performance of real estate.

Of rental properties.

So performance of rental properties.

At ang pre-outs po, kapag na-receive natin sa ating wallet, hindi po yan mag-earn.

And there is a two-year holding period.

10% po ang pre-termination fee kapag hindi po tumagal ng dalawang...

At least two years ang inyong placement sa ating joint venture savings.

2.5% po ang annual management fee. Wala po itong guarantee.

And if the rental property's performance is bad...

If the rental performance is bad, there may be possibility of zero dividend

and savings may decrease.

Pero dahil nga diversified naman tayo, madaming mga locations,

tingin ko ay hindi naman po ito talaga mag-zero, nor mag-decrease.

Pag nag-decrease kasi yan, baka nasunog or something, sanaman di mangyari.

Meron tayong makukuha sa insurance pero it will not be the same amount.

So ano yung ang ating pros and cons of co-op share capital?

Out ka na naman tayo.

Ano yung pros and cons of...

Ano ba ang...

Ano natin dito?

Ano ang pros and cons of rental property investing?

Ang pros po ng rental property investing, steady cash flow from rent,

inflation hedge, and low tax rate compared to individual income tax.

Tapos may property value appreciation pa rin tayo dyan.

Ang cons po ay capital intensive. Malaking amount po talaga ang kakailanganin natin.

Hindi po ito liquid kasi hindi natin basta-basta mabibenta.

There's also high barrier to entry because we have to choose the right location

tapos kailangan din ng maayos na contractor na medyo mahirap pong hanapin.

Pero din pong penalty selection and management plus property repair and maintenance.

Okay, so individual real estate investing versus real estate joint venture savings basket.

Paano natin siya i-compare and contrast?

So para makita nyo lang,

pag individual real estate investing, ikaw talaga yung gagawa ng lahat-lahat.

Dito sa joint venture savings basket,

makikijoin ka dun sa existing real estate properties na ng SEDP COO.

So ang amount needed, millions ang kailangan mo kapag ikaw ay mag-iindividual real estate investing.

Pero sa atin, sa joint venture savings basket na real estate,

P10,000 pesos lang.

Diversified sa individual RE investing, usually hindi kasi usually isa lang yung property mo

at isa lang location.

Tayo naman, multiple location and multiple properties.

So diversified siya, yes.

Liquidity, hindi rin ito liquid sa individual RE investing

pero sa real estate joint venture savings basket natin,

withdrawable and subject but this is subject to withholding period.

Kapag more than two years na wala na po yung pre-termination fee.

Kapag less than two years, may 10% na pre-termination.

Pero at least, liquid siya.

Construction management, aalalahanin mo yan kapag ikaw ay nagpatayo ng sarili mong rental property.

Hindi mo na yan aalahanin sa real estate joint venture savings basket

because SEDP COOP will do this for you.

Ganon din ang tenant management and selection and property repair and maintenance.

So SEDP COOP will take care of all of this heavy weight, heavy lifting for you.

Tax exempt, pag real estate individual investing po kayo.

You have to pay the taxes.

Pero sa atin, dahil ito ay isang savings product ng cooperative,

this is tax-free.

Annual management fee, wala naman pong on both sides.

So yung real estate joint venture savings basket natin,

this is open to SEDP members,

maximum and in multiples of 10,000 pesos.

Minimum and in multiples of 10,000 pesos.

Maximum of 1 million.

Annual dividend payout.

At ang return po dito, ang tinitignan natin is again about 47% per annum variable

based on the performance of our real estate.

Based on the basket of rental properties.

Okay?

So yan po.

And then payouts in wallet do not earn.

Meron po yung two-year holding period na may 10% pre-termination fee,

2.5% ang annual management fee.

Wala po itong guarantee.

And if rental property performance is not, is bad,

pwede pong mag-zero percent ang ating dividend

and mag-decrease kapag hindi talaga maganda.

But it's highly unlikely.

Okay?

So how to join SEDP Co-op?

Again, just type bit.ly slash SEDP Co-op P-M-E-S

or scan the QR code.

How to make a deposit?

Ito po yung mga payment channels natin.

Meron po tayong Gcash, BDO Online Banking, BPI Online Banking,

Maya, EasyPay, SEDP Wallet, at saka Direct Bank Deposits.

So all you have to do is to go to bit.ly slash SEDP Pay

or scan the QR code.

Okay?

So how to advise us of your deposit?

Bit.ly slash SEDP Online S-R-I or scan nyo po yan.

Mag-login po kayo.

At paka naka-login na kayo sa inyong account,

i-click nyo lang po yung Informed Deposit

and then fill out the form.

Click Submit para po malaman namin.

Ayan po.

Ano ako po si Sir Vince?

Ang inyong financial guro

nagsasabing ang pagyaman na pag-aaralan at na pag-tutulungan.

in the comments section.

As always,

feel free to write your questions,

comments,

and opinions respectfully.