Vince Rapisura 2353: SEDPI Joint Venture Savings features, terms and conditions
00:40.3
Ang mga business partners po natin ang mga kanegosyod which will undertake the investment activity or specific project.
00:48.3
Ang joint venture po natin ay may intention na mag-share ng profits, risks, and losses.
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And usually, we earn higher than the interest on bank deposits and treasury bills
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at tayo po ay at par with MP2 at paminsan-minsan po ay nalalagpasan pa po natin yan.
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Of course, there's a possibility of capital loss and there is no guarantee because
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tayo po ay nag-pull in together ng ating capital and we share in the profits, risks, and losses.
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Umbaga, sa hirap at ginawa.
01:19.7
Ang purpose po natin ay pang long-term life goals at social investment.
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Ang joint venture savings amount natin, 10,000 po ang ating opening deposit.
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Additional 10,000 deposit in multiples of 10,000 pesos po.
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And first-come, first-served basis po ang ating kalakaran.
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Kaya yung ibang mga SRIs natin ay nagsasara.
01:45.4
So first-come, first-served basis.
01:47.7
Bakit po first-come, first-served basis?
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Kasi yung projects natin have limited funding needs.
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For example, pupunta at magpapatayo tayo ng apartment,
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eh ang kailangan lang sa apartment na yun ay 10 million.
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Pag na-reach na po yung 10 million na yun, close na siya.
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Unless may mag-withdraw, saka po siya po pwedeng mag-open.
02:05.8
So once full, this will be closed for deposits.
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And if a member withdraws from the project, deposits may be reopened.
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Kaya po ito ay first-come, first-served basis.
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Yung earnings and taxes naman po ng ating joint venture savings,
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based siya on profit or loss sharing on diminishing balance or average daily balance.
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Pero ito po ay tax-free dahil ito po ay sako-off.
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Ang withdrawal naman po, 14 days ang ating processing dyan.
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May 3% na exit fee if withdrawn before the holding period.
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At bakit naman po 14 days ang ating processing?
02:41.9
Kasi hindi po bangko ang senti-co-op. Cooperativa nga po siya.
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At in-improve pa po natin ang ating sistema.
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At ang katotohanan po niyan ay kailangan po namin humanap ng replacement
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from your withdrawals. And that entails cost of fund also.
02:59.3
Validation of member identity and bank deposit processing ay kumakain din po yan ng oras.
03:06.1
Kasi may mga ilan po na nag-chumachansa at sinasabi meron daw silang deposit sa atin
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e wala naman pala. Kakaloko diba? Maraming talagang masasamang loob.
03:17.5
Holding period. Ito po ay ang ating holding period.
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So ang SRI, ito ang socially responsible investments na sinusuportahan ng
03:27.5
SEDP Group of Social Enterprises.
03:30.2
Yung holding period po, ito yung minimum amount of time required for the deposit to stay in SEDP Co-op.
03:36.9
Usually may 2 years at saka 5 years po na holding period.
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So why 2 year holding period? Because members are encouraged to save long term.
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Pang long term po talaga yung ating ginidesenyo dito.
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At hindi tayo bangko, so we have to manage liquidity.
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Thus mayroon tayong usual na 3% exit fee at may iba naman na 5 or 10% din yung kanyang exit fee.
04:00.6
So ang payout po natin, ang quarterly payout,
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ay every March 31, ang posting po niyan ay April 15.
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Kapag sa June 13 na payout natin, July 15 po yan mapopost.
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Sa September 30, October 15.
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Sa December 31 ay January 15.
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Ang annual payout naman is every December 31.
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At ang posting date nito ay April 30.
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Medyo may katagalan po kasi usually ito yung mga share capital
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kailangan pa natin ng audited financial statements
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at mag-declare yung mga co-ops na pinag-iinvestan natin
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bago natin malaman yan.
04:37.0
Ang monthly payout naman, every end of the month yun
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pero ang posting date ay every 15 of the following month.
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Joint venture savings versus conventional savings, ano po ba yung pagkakaiba nito?
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So sa conventional savings, ang usual na reason bakit tayo nagsasave dyan
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pang emergency savings natin.
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Sa atin naman dito sa SEDP Co-op Joint Venture Savings
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pang long-term life goals.
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Pang retirement, pang paaral ng anak, pang pagawa ng bahay,
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pag-iibot para magka-negosyo.
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So mas long-term siya.
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Yung conventional din, bakit tayo nagsasave sa mga banko?
05:13.3
For example, this is for liquidity.
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We want to access it immediately for our day-to-day needs.
05:19.8
Ang SEDP Joint Venture Savings naman po ay for social investment.
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Pang long-term po siya.
05:25.6
Ang conventional savings, sa savings amount, 0 to 1,000 pesos.
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Opening deposit, so talagang maliit lang.
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Tayo po, 10,000 ang ating opening deposit.
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Additional deposit in any amount sa conventional savings,
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tayo po ay in multiples of 10,000 pesos.
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So 10, 20, 30, 40 ang ating in-entertain na amount.
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Walang limit sa savings amount sa conventional savings.
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Sa atin po sa SEDP Co-op ay mayroon pong limit first-come, first-served basis.
06:00.3
Kaya po, di ba, yung mga kasosyo natin ay abang-abang talaga sila
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ano yung mga open ngayon.
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Ang conventional savings, 1,000 to 5,000 ang maintaining balance to earn interest.
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Tayo po, yung maintaining balance is based on the outstanding balance
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after the payout.
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So yung 10,000 natin, if nilagyan natin yan, magpa-payout.
06:20.4
So kung magkano yung natitira doon sa payouts natin, yun po yung maintaining balance.
06:26.4
Conventional savings amount, you're mobilizing from the public.
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Dito po sa SEDP Co-op Joint Venture Savings,
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yung mga members lang po natin yung pupwedeng mag-save.
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Kaya kailangan pong umattend ng pre-membership education seminar.
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At ito po ang proseso kung paano tayo makaka-attend ng ating pre-membership education seminar.
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Handa ka na bang lumevel up sa savings mo?
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Join the SEDP Kasosyo Community and get started to be a social investor today!
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Step 1. Umattend ng self-paced online pre-membership education seminar.
07:03.8
Mag-sign up sa bit.ly slash sedpcooppmes now na!
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Step 2. I-deposit ang iyong initial share capital,
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membership fee, at joint venture savings sa Gcash, BDO Online Banking,
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BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit.
07:22.0
Daming options, di ba?
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Sundi ng simple instructions sa bit.ly slash sedppay para makapagsimula.
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Step 3. Mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit.
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Go to bit.ly slash sedp online sri at kami na ang bahala sa iyo.
07:42.0
Ano bang inihintay mo?
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Sali na sa SEDP Kasosyo ngayon and let's start building a brighter financial future together!
07:52.1
Ayan, so yan po iyong proseso.
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Now, yung sa conventional savings, mayroon po iyang 20% na tax kapag tayo ay nag-save sa mga banko.
08:03.1
Withholding tax po yan.
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Pero tayo, dahil tayo po ay registered na cooperative sa SEDP Co-op, tax-free po ang ating savings.
08:11.9
Mayroon pong fixed interest dito sa ating conventional na savings accounts.
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Tayo po ay profit or loss sharing ang basehan.
08:21.7
Okay, sa savings amount, ang withdrawability, withdrawable anytime sa conventional.
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Sa SEDP Joint Venture Savings po ay 14 days ang ating withdrawal processing
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with exit fee if withdrawn before holding period.
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Ito naman pong SEDP pitaka natin o yung tinatawag nating SEDP wallet.
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Ito po ay ang ating repository account for the payouts, profit share from SEDP Co-op
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at mga reserve or excess deposits from members.
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Ang balance po natin sa ating SEDP pitaka ay hindi po nag-earn
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kaya kailangan po i-reinvest natin ito sa ibang mga SRIs na available.
09:01.4
Okay, so bigyan natin ng example, no?
09:03.4
Ito, for example, itong SSM2 na profit share natin ay 12% per anong promo po ito, no?
09:13.0
Example lang po ito, ha?
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So ang joint venture contribution ay P10,000, ang maximum ay P100,000
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to ensure diversification of your portfolio
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at ma-avoid natin na ilan lang yung makakakuha dito, no?
09:29.0
Kaya mayroon tayong limit na P100,000.
09:32.0
Six months po ang term dito, monthly ang payouts
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at ang payout po natin ay sa wallet ay hindi nag-earn.
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Walang entry fee, fixed rate po ito, 12% based on diminishing balance.
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Walang guarantee.
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Two years ang holding period, 3% exit fee if redeemed before two years.
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This is open to existing and new SEDP co-op members.
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Only fresh funds deposited will be considered.
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Ang promo period po nito ay January 25 to March 10.
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Actually last year ito, ha? 2022.
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Ayan, ang record date ay March 10.
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So March 10, 2022, naglagay ka ng P10,000.
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Sa March 31, mayroon ka ng payout na P1,666.67.
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That's P10,000 divided by 6.
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April 30, ganun ulit, no?
10:19.4
Hanggang sa matapos yun, kasi six months yun, mapipayout na lahat, no?
10:24.6
So mapupunta na yan sa iyong SEDP pitaka.
10:28.2
Ang dividend payout naman po dyan sa March 31, P69.04.
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So P69.04 plus P1,666.67, yan po ay P1,735.71.
10:39.7
Yan pong P1,735.71 na yan ang mapupunta sa iyong SEDP pitaka.
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So yung SSM2 balance mo na lang, P10,000 minus P1,666.67,
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e P333.33 na lang.
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So magpapatuloy yan, no?
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Sa kada buwan, every month po, ganyan yung makikita natin.
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Hanggang sa masi zero out na by the end of six months yung SSM2 balance natin.
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So kapag nag-zero out na yan, ibig sabihin nasa wallet mo na lahat.
11:12.8
So kung titignan natin, as of April 10, 2022, yung wallet balance mo, zero.
11:18.8
Pagdating ng March 31, nagpayout na P1,735.71.
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So meron na yan, no?
11:23.8
Tapos April 30, magpipayout ulit ng P1,748.86.
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At sa P1,735.71, so ang total na P3,484.57.
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So makikita natin, magdadagdag, magdadagdag.
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But by the time na matapos yung anim na buwan,
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ay meron ka ng P10,319.45 sa SEDP pitaka mo.
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Now if you want to have this earned, kailangan i-reinvest mo yung P10,000 ulit yan.
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At humanap ka ng ibang mga available na socially responsible investment.
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If the amount in wallet is withdrawn before March 10, 2024,
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kasi March 10, 2022 natin siya nilagay,
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mayroon kong 3% na exit fee base sa terms and conditions natin.
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At kung gusto nyo na kumita,
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you need to reinvest it in other JV projects so that it will earn.
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Ang withdrawal procedures po natin,
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kailangan ay nagmamatch sa records natin ng inyong informasyon.
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At kung nasa iba't ibang SRIs yung mga may withdrawal natin,
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kailangan po ay ito rin ay separate natin na gagawin.
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If you're going to have the withdrawn amount deposited to your own bank account,
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the bank account name must match the name used in SRI online and IDs.
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Yung bank fees po ay charged sa inyong account
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kasi di po namin yan kakarguhin.
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Kapag naman po nagpapadeposit kayo pero hindi yung bank account yan,
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kailangan namin yung bank details and government ID of your authorized representative.
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Kailangan din po magsulot kayo ng authorization letter
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at yung bank fees din po ay charged sa inyong account.
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So yan po ang ating episode ngayong gabi.
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Ako si Sir Vince, ang inyong financial guro
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nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.
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Handa ka na bang lumevel up sa savings mo?
13:21.7
Join the ZPika Sosyo Community and get started to be a social investor today!
13:26.7
Step 1. Umatend ng self-paced online pre-membership education seminar.
13:31.7
Mag-sign up sa bit.ly slash ZPiko or PMES now na!
13:37.7
Step 2. I-deposit ang iyong initial share capital,
13:40.7
membership fee, at joint venture savings sa Gcash,
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BDO Online Banking, BPI Online Banking,
13:46.7
Maya, EasyPay, or Direct Bank Deposit.
13:49.7
Daming options, di ba?
13:51.7
Sundi ng simple instructions sa bit.ly slash ZPiPay para makapagsimula.
13:56.7
Step 3. Mag-login sa iyong ZPiSRI online account at ipaalam ang inyong deposit.
14:03.7
Go to bit.ly slash ZPiOnlineSRI at kami na ang bahala sayo.
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Ano pang inihintay mo?
14:10.7
Sali na sa ZPiKa Sosyo ngayon
14:12.7
and let's start building a brighter financial future together!
