Vince Rapisura 2353: SEDPI Joint Venture Savings features, terms and conditions
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00:00.0
Ano ba yung Joint Venture Savings Terms and Conditions ng SEDP Co-op?
00:05.3
So unang-una, pag-usapan natin dito yung Purpose, Amount, Maintaining Balance, Earnings and Taxes, Withdrawal,
00:13.0
ano ba yung Term, Holding Period, Payouts, at saka SEDP Pitaka.
00:17.3
Tapos magbibigay tayo ng sample computation.
00:20.7
So itong SEDP Co-op, Joint Venture Savings natin,
00:23.8
kayo po bilang mga SEDP ka-social members, you will choose a specific project or SRI to support.
00:31.1
Ito po ay maaaring mga working capital, share capital, at saka real estate joint ventures.
00:37.0
Dahil ito po ay joint venture, tayo po ay business partners.
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.
00:53.8
And usually, we earn higher than the interest on bank deposits and treasury bills
00:58.9
at tayo po ay at par with MP2 at paminsan-minsan po ay nalalagpasan pa po natin yan.
01:04.6
Of course, there's a possibility of capital loss and there is no guarantee because
01:09.4
tayo po ay nag-pull in together ng ating capital and we share in the profits, risks, and losses.
01:17.5
Umbaga, sa hirap at ginawa.
01:19.7
Ang purpose po natin ay pang long-term life goals at social investment.
01:24.9
Ang joint venture savings amount natin, 10,000 po ang ating opening deposit.
01:29.8
Additional 10,000 deposit in multiples of 10,000 pesos po.
01:36.6
And first-come, first-served basis po ang ating kalakaran.
01:41.6
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?
01:49.7
Kasi yung projects natin have limited funding needs.
01:52.7
For example, pupunta at magpapatayo tayo ng apartment,
01:55.6
eh ang kailangan lang sa apartment na yun ay 10 million.
01:58.7
Pag na-reach na po yung 10 million na yun, close na siya.
02:02.3
Unless may mag-withdraw, saka po siya po pwedeng mag-open.
02:05.8
So once full, this will be closed for deposits.
02:08.4
And if a member withdraws from the project, deposits may be reopened.
02:12.9
Kaya po ito ay first-come, first-served basis.
02:15.9
Yung earnings and taxes naman po ng ating joint venture savings,
02:19.5
based siya on profit or loss sharing on diminishing balance or average daily balance.
02:25.2
Pero ito po ay tax-free dahil ito po ay sako-off.
02:29.4
Ang withdrawal naman po, 14 days ang ating processing dyan.
02:33.5
May 3% na exit fee if withdrawn before the holding period.
02:39.0
At bakit naman po 14 days ang ating processing?
02:41.9
Kasi hindi po bangko ang senti-co-op. Cooperativa nga po siya.
02:45.8
At in-improve pa po natin ang ating sistema.
02:48.8
At ang katotohanan po niyan ay kailangan po namin humanap ng replacement
02:54.0
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
03:13.2
e wala naman pala. Kakaloko diba? Maraming talagang masasamang loob.
03:17.5
Holding period. Ito po ay ang ating holding period.
03:23.2
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.
03:41.4
So why 2 year holding period? Because members are encouraged to save long term.
03:46.0
Pang long term po talaga yung ating ginidesenyo dito.
03:49.1
At hindi tayo bangko, so we have to manage liquidity.
03:52.3
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,
04:04.1
ay every March 31, ang posting po niyan ay April 15.
04:08.9
Kapag sa June 13 na payout natin, July 15 po yan mapopost.
04:12.9
Sa September 30, October 15.
04:15.7
Sa December 31 ay January 15.
04:19.5
Ang annual payout naman is every December 31.
04:22.6
At ang posting date nito ay April 30.
04:25.1
Medyo may katagalan po kasi usually ito yung mga share capital
04:28.8
kailangan pa natin ng audited financial statements
04:31.4
at mag-declare yung mga co-ops na pinag-iinvestan natin
04:35.0
bago natin malaman yan.
04:37.0
Ang monthly payout naman, every end of the month yun
04:40.0
pero ang posting date ay every 15 of the following month.
04:45.8
Joint venture savings versus conventional savings, ano po ba yung pagkakaiba nito?
04:50.4
So sa conventional savings, ang usual na reason bakit tayo nagsasave dyan
04:55.6
pang emergency savings natin.
04:57.7
Sa atin naman dito sa SEDP Co-op Joint Venture Savings
05:00.6
pang long-term life goals.
05:02.2
Pang retirement, pang paaral ng anak, pang pagawa ng bahay,
05:05.8
pag-iibot para magka-negosyo.
05:07.6
So mas long-term siya.
05:09.6
Yung conventional din, bakit tayo nagsasave sa mga banko?
05:13.3
For example, this is for liquidity.
05:15.1
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.
05:23.8
Pang long-term po siya.
05:25.6
Ang conventional savings, sa savings amount, 0 to 1,000 pesos.
05:30.2
Opening deposit, so talagang maliit lang.
05:32.6
Tayo po, 10,000 ang ating opening deposit.
05:36.3
Additional deposit in any amount sa conventional savings,
05:40.4
tayo po ay in multiples of 10,000 pesos.
05:44.0
So 10, 20, 30, 40 ang ating in-entertain na amount.
05:49.3
Walang limit sa savings amount sa conventional savings.
05:53.1
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
06:04.0
ano yung mga open ngayon.
06:06.0
Ang conventional savings, 1,000 to 5,000 ang maintaining balance to earn interest.
06:10.8
Tayo po, yung maintaining balance is based on the outstanding balance
06:14.9
after the payout.
06:16.4
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.
06:31.5
Dito po sa SEDP Co-op Joint Venture Savings,
06:34.1
yung mga members lang po natin yung pupwedeng mag-save.
06:37.7
Kaya kailangan pong umattend ng pre-membership education seminar.
06:43.9
At ito po ang proseso kung paano tayo makaka-attend ng ating pre-membership education seminar.
06:50.8
Handa ka na bang lumevel up sa savings mo?
06:53.7
Join the SEDP Kasosyo Community and get started to be a social investor today!
06:58.7
Step 1. Umattend ng self-paced online pre-membership education seminar.
07:03.8
Mag-sign up sa bit.ly slash sedpcooppmes now na!
07:09.2
Step 2. I-deposit ang iyong initial share capital,
07:12.6
membership fee, at joint venture savings sa Gcash, BDO Online Banking,
07:17.3
BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit.
07:22.0
Daming options, di ba?
07:24.0
Sundi ng simple instructions sa bit.ly slash sedppay para makapagsimula.
07:29.2
Step 3. Mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit.
07:35.7
Go to bit.ly slash sedp online sri at kami na ang bahala sa iyo.
07:42.0
Ano bang inihintay mo?
07:43.3
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.
07:55.2
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.
08:04.4
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.
08:16.8
Tayo po ay profit or loss sharing ang basehan.
08:21.7
Okay, sa savings amount, ang withdrawability, withdrawable anytime sa conventional.
08:27.7
Sa SEDP Joint Venture Savings po ay 14 days ang ating withdrawal processing
08:32.8
with exit fee if withdrawn before holding period.
08:37.6
Ito naman pong SEDP pitaka natin o yung tinatawag nating SEDP wallet.
08:41.5
Ito po ay ang ating repository account for the payouts, profit share from SEDP Co-op
08:47.3
at mga reserve or excess deposits from members.
08:50.9
Ang balance po natin sa ating SEDP pitaka ay hindi po nag-earn
08:55.2
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?
09:14.4
So ang joint venture contribution ay P10,000, ang maximum ay P100,000
09:20.0
to ensure diversification of your portfolio
09:23.0
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
09:34.8
at ang payout po natin ay sa wallet ay hindi nag-earn.
09:38.5
Walang entry fee, fixed rate po ito, 12% based on diminishing balance.
09:43.5
Walang guarantee.
09:44.7
Two years ang holding period, 3% exit fee if redeemed before two years.
09:50.1
This is open to existing and new SEDP co-op members.
09:53.1
Only fresh funds deposited will be considered.
09:55.9
Ang promo period po nito ay January 25 to March 10.
09:59.5
Actually last year ito, ha? 2022.
10:02.3
Ayan, ang record date ay March 10.
10:04.8
So March 10, 2022, naglagay ka ng P10,000.
10:09.0
Sa March 31, mayroon ka ng payout na P1,666.67.
10:14.6
That's P10,000 divided by 6.
10:17.2
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.
10:32.9
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.
10:46.3
So yung SSM2 balance mo na lang, P10,000 minus P1,666.67,
10:51.3
e P333.33 na lang.
10:53.7
So magpapatuloy yan, no?
10:56.3
Sa kada buwan, every month po, ganyan yung makikita natin.
11:00.8
Hanggang sa masi zero out na by the end of six months yung SSM2 balance natin.
11:07.8
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.
11:22.8
So meron na yan, no?
11:23.8
Tapos April 30, magpipayout ulit ng P1,748.86.
11:28.8
At sa P1,735.71, so ang total na P3,484.57.
11:34.2
So makikita natin, magdadagdag, magdadagdag.
11:37.2
But by the time na matapos yung anim na buwan,
11:40.2
ay meron ka ng P10,319.45 sa SEDP pitaka mo.
11:45.2
Now if you want to have this earned, kailangan i-reinvest mo yung P10,000 ulit yan.
11:51.2
At humanap ka ng ibang mga available na socially responsible investment.
11:57.2
If the amount in wallet is withdrawn before March 10, 2024,
12:00.7
kasi March 10, 2022 natin siya nilagay,
12:03.7
mayroon kong 3% na exit fee base sa terms and conditions natin.
12:08.7
At kung gusto nyo na kumita,
12:10.7
you need to reinvest it in other JV projects so that it will earn.
12:15.7
Ang withdrawal procedures po natin,
12:18.7
kailangan ay nagmamatch sa records natin ng inyong informasyon.
12:23.7
At kung nasa iba't ibang SRIs yung mga may withdrawal natin,
12:30.2
kailangan po ay ito rin ay separate natin na gagawin.
12:34.7
If you're going to have the withdrawn amount deposited to your own bank account,
12:39.2
the bank account name must match the name used in SRI online and IDs.
12:45.2
Yung bank fees po ay charged sa inyong account
12:48.2
kasi di po namin yan kakarguhin.
12:50.7
Kapag naman po nagpapadeposit kayo pero hindi yung bank account yan,
12:54.7
kailangan namin yung bank details and government ID of your authorized representative.
12:59.7
Kailangan din po magsulot kayo ng authorization letter
13:02.7
at yung bank fees din po ay charged sa inyong account.
13:08.2
So yan po ang ating episode ngayong gabi.
13:10.7
Ako si Sir Vince, ang inyong financial guro
13:13.7
nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.
13:18.7
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,
13:43.7
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.
14:09.7
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!
