#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 maganda bang ilagay sa MP2 ang emergency savings? Oo, pero gawing itong secondary lamang

because there's a 21 working days na in-estimate natin na yaan yung withdrawal process kapag tayo nag-pre-terminate sa kanya

and then secure naman po ito, 100% government guaranteed talagang makukuha mo ang pera mo

at high dividend tax-free pa, di ba?

So saan maganda ilagay ang emergency savings? Ito yung pagkakasunod-sunod na pwede natin paglagyan

Digital banks, bank accounts with ATM, time deposits, MP2, retail treasury bonds, money market or bond fund ng mutual fund or UITF

Tapos pwede rin pong paglagay ng kaunti sa SSS WISC Plus kasi yan po ay partly withdrawable din

Aside from dun sa pre-determinate, mayroon din pong nag-mature talaga na pag-ibig MP2

So emergency savings account features, ano ba yung mga hahanapin natin at nagsaswak ba dyan yung pag-ibig MP2?

It should be secure and safe, check ang pag-ibig MP2 dyan

Should be easily accessible anytime, anywhere, check. Bakit may virtual pag-ibig, pwede natin yan ma-access

Need not have high returns, actually check pa rin yung pag-ibig MP2 dyan kasi mataas naman yung dividend na huhuhan natin

Then automatic transfers separate from your day-to-day account

So maganda sana na yung emergency account natin ay nakaseparate sya doon sa bank account na ginagamit natin for our daily needs

Kitignan natin bakit maganda ang MP2 as emergency savings?

Because kitignan natin yung MP2 versus inflation, 5-year T-bond rate at saka yung sa stock exchange performance

And then paano natin gagawing 4-parteng ng emergency savings portfolio natin yung MP2

So why is MP2 good as part of your emergency savings?

So kitignan natin sa ating SEXY, Choosing the Right Investment SEXY framework

So dito sa ating SEXY framework, ang ibig sabihin ng SEXY ay secure and cashable, X factor may social or environmental agenda

At may yields, so SEXY. At nauuna po talaga ang SEX dyan bago ang Y

So security and cashability, X factor, bago natin iisipin ang Y o ang yield

Yan po ang ating SEXY framework on how to choose the right investment

So to answer that, bakit maganda na good ang MP2 for emergency savings natin, gamitin natin yung ating SEXY framework

First for secure, 100% government guaranteed kasi ito, mayroong guarantee talaga ng gobyerno

So the capital is preserved even if it's pre-terminated gaya ng pinaskita ko sa inyo diba

Buong-buo ko pa rin nakita, ay nakuha yung i-deneposit ako

At mayroon pa rin akong kinita na dividendo, kahit na kalahati pa yan, naku mas mataas pa rin kesa sa commercial banks

And cashable siya, it's liquid, so no fee if separated from work due to sickness, disability or death

Tapos may 50% na dividend kapag forfeited kung other reasons, kung wala doon sa mga valid reasons natin

10 to 15 working days siya yung pagpaprocess niyan

Kaya you have to bear that in mind kapag ikaw ay maglalagay ng emergency fund mo sa pag-ibig MP2

Gawin mo ng 21 banking days para lang sure na sure na integrate mo siya

So hindi ito yung unang first line of defense mo when emergency happens

Ito ay mga nasa second line mo. So meron ka muna dapat ibang source ng liquidity mo to address the emergency

And then you process this para you take advantage of it as an emergency savings

So x-factor naman, it's socially responsible because it supports the housing program of low-income Filipinos

And in terms of yield, yung MP2 dividend rate po natin ay mas malaki kaysa inflation rate from 2012 to 2021

At ang dividend din po natin ay tax-free which means it's better for compounding effect

Handa ka na bang lumevel up sa savings mo?

Join the SEDPICA Social Community and get started to be a social investor today

Step 1. Umattend ng Self-Paced Online Pre-Membership Education Seminar

Mag-sign up sa bit.ly slash sedpicooppmes 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 sedpipay para makapagsimula

Step 3. Mag-login sa iyong SEDP SRI Online Account at ipaalam ang inyong deposit

Go to bit.ly slash sedpionlinesri at kami na ang bahala sayo

Ano bang inihintay mo? Sali na sa SEDPICA Social ngayon and let's start building a brighter financial future together