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00:00.0
So maganda bang ilagay sa MP2 ang emergency savings? Oo, pero gawing itong secondary lamang
00:06.0
because there's a 21 working days na in-estimate natin na yaan yung withdrawal process kapag tayo nag-pre-terminate sa kanya
00:16.3
and then secure naman po ito, 100% government guaranteed talagang makukuha mo ang pera mo
00:22.8
at high dividend tax-free pa, di ba?
00:26.4
So saan maganda ilagay ang emergency savings? Ito yung pagkakasunod-sunod na pwede natin paglagyan
00:32.2
Digital banks, bank accounts with ATM, time deposits, MP2, retail treasury bonds, money market or bond fund ng mutual fund or UITF
00:41.4
Tapos pwede rin pong paglagay ng kaunti sa SSS WISC Plus kasi yan po ay partly withdrawable din
00:50.4
Aside from dun sa pre-determinate, mayroon din pong nag-mature talaga na pag-ibig MP2
00:57.4
So emergency savings account features, ano ba yung mga hahanapin natin at nagsaswak ba dyan yung pag-ibig MP2?
01:03.4
It should be secure and safe, check ang pag-ibig MP2 dyan
01:07.4
Should be easily accessible anytime, anywhere, check. Bakit may virtual pag-ibig, pwede natin yan ma-access
01:14.4
Need not have high returns, actually check pa rin yung pag-ibig MP2 dyan kasi mataas naman yung dividend na huhuhan natin
01:22.4
Then automatic transfers separate from your day-to-day account
01:27.4
So maganda sana na yung emergency account natin ay nakaseparate sya doon sa bank account na ginagamit natin for our daily needs
01:36.4
Kitignan natin bakit maganda ang MP2 as emergency savings?
01:42.4
Because kitignan natin yung MP2 versus inflation, 5-year T-bond rate at saka yung sa stock exchange performance
01:49.4
And then paano natin gagawing 4-parteng ng emergency savings portfolio natin yung MP2
01:57.4
So why is MP2 good as part of your emergency savings?
02:04.4
So kitignan natin sa ating SEXY, Choosing the Right Investment SEXY framework
02:11.4
So dito sa ating SEXY framework, ang ibig sabihin ng SEXY ay secure and cashable, X factor may social or environmental agenda
02:20.4
At may yields, so SEXY. At nauuna po talaga ang SEX dyan bago ang Y
02:27.4
So security and cashability, X factor, bago natin iisipin ang Y o ang yield
02:35.4
Yan po ang ating SEXY framework on how to choose the right investment
02:42.4
So to answer that, bakit maganda na good ang MP2 for emergency savings natin, gamitin natin yung ating SEXY framework
02:52.4
First for secure, 100% government guaranteed kasi ito, mayroong guarantee talaga ng gobyerno
03:00.4
So the capital is preserved even if it's pre-terminated gaya ng pinaskita ko sa inyo diba
03:05.4
Buong-buo ko pa rin nakita, ay nakuha yung i-deneposit ako
03:10.4
At mayroon pa rin akong kinita na dividendo, kahit na kalahati pa yan, naku mas mataas pa rin kesa sa commercial banks
03:20.4
And cashable siya, it's liquid, so no fee if separated from work due to sickness, disability or death
03:26.4
Tapos may 50% na dividend kapag forfeited kung other reasons, kung wala doon sa mga valid reasons natin
03:34.4
10 to 15 working days siya yung pagpaprocess niyan
03:38.4
Kaya you have to bear that in mind kapag ikaw ay maglalagay ng emergency fund mo sa pag-ibig MP2
03:45.4
Gawin mo ng 21 banking days para lang sure na sure na integrate mo siya
03:50.4
So hindi ito yung unang first line of defense mo when emergency happens
03:54.4
Ito ay mga nasa second line mo. So meron ka muna dapat ibang source ng liquidity mo to address the emergency
04:02.4
And then you process this para you take advantage of it as an emergency savings
04:07.4
So x-factor naman, it's socially responsible because it supports the housing program of low-income Filipinos
04:14.4
And in terms of yield, yung MP2 dividend rate po natin ay mas malaki kaysa inflation rate from 2012 to 2021
04:23.4
At ang dividend din po natin ay tax-free which means it's better for compounding effect
04:31.4
Handa ka na bang lumevel up sa savings mo?
04:34.4
Join the SEDPICA Social Community and get started to be a social investor today
04:40.4
Step 1. Umattend ng Self-Paced Online Pre-Membership Education Seminar
04:44.4
Mag-sign up sa bit.ly slash sedpicooppmes now na!
04:50.4
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
05:03.4
Daming options, di ba?
05:05.4
Sundi ng simple instructions sa bit.ly slash sedpipay para makapagsimula
05:10.4
Step 3. Mag-login sa iyong SEDP SRI Online Account at ipaalam ang inyong deposit
05:17.4
Go to bit.ly slash sedpionlinesri at kami na ang bahala sayo
05:23.4
Ano bang inihintay mo? Sali na sa SEDPICA Social ngayon and let's start building a brighter financial future together
