#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 Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... 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 (Season 2); Atom Araullo (Season 3) and Porky (Season 4). Smart Parenting Board of Expert

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So ano ba yung terms and conditions ng time deposit natin?

So usually, ang time deposit kapag pre-determinate natin siya

pwede naman natin i-withdraw anytime pero yung capital or principal corpus is preserved pa rin

yun nga lang magkakaroon ng penalty na lower yung interest rate

Usually bumabalik yung interest rate doon sa regular savings rate nila

Kung regular savings rate nila ay 1% tapos yung time deposit rate ay 5%

hindi mo naman kukuha yung 5% kapag nag-pre-terminate ka

So ito po yung ating SEDP Co-op Time Deposit Joint Venture Savings Basket

Kung gusto nyo pong i-diversify ang inyong time deposit

So paano ba ito gumagana?

So tayo po ay kukuha ng time deposit sa Co-op A, B, C, D, E, F

Tapos yung mga time deposit natin yan ay ilalagay natin sa isang basket

So paano yan mangyayari?

Yung member savers natin will deposit their money in the Joint Venture Savings Basket

at ito po ay professionally managed ng SEDP Co-op

Tapos yung SEDP Co-op naman po ay mag-iinvest sa mga 5-year time deposit ng Co-ops

At ito po ay magre-result into either gains or losses that will be passed on to the member savers

So ayun, kung naglagay tayo ng 6% na interest rate sa Co-op B

ikita yung 5 million natin ng 300,000 and so on and so forth

So let's say na 50,500,000 yung ating ilalagay na time deposit lahat

At ang kita niyan na interest ay 3,570,000

So yung 3,570,000, i-divide natin ngayon ng 50,500,000

So ang rate niyan ay 7.06

So tatanggalin natin yung 2% na management fee, ang lalabas ay 5.06%

So kung naglagay tayo ng 10,000 pesos na savings dyan, kikita ng 506 pesos

Kasi 5.06% yung lumabas

Handa ka na bang lumevel up sa savings mo?

Join the SEDP KaSosyo community and get started to be a social investor today!

Step 1. Umatend ng self-paced online pre-membership education seminar

Mag-sign up sa bit.ly slash sedpcoop.pmes now na!

Step 2. I-deposit ang iyong initial share capital, membership fee, at joint venture savings sa Gcash, BDO Online Banking, BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit

Daming options, di ba?

Sundi ng simple instructions sa bit.ly slash sedppay para makapagsimula

Mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit

Go to bit.ly slash sedponlinesri at kami na ang bahala sa iyo

Ano bang inihintay mo?

Sali na sa SEDP KaSosyo ngayon and let's start building a brighter financial future together!