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00:00.0
So ano ba yung investment diversification?
00:04.0
Wait lang ha, at ako'y mag-aayos ng ating macros.
00:12.0
So ano ba yung investment diversification?
00:16.0
So yung investment diversification, diba?
00:19.0
Diverse. Ibig sabihin marami, diba?
00:22.0
So what we are trying to do is we're spreading our investments
00:25.0
across different asset classes.
00:28.0
So naglalagay tayo ng mga pera natin sa iba't ibang mga klase ng ari-arian
00:33.0
para ma-reduce yung risk by minimizing the impact of a single investment.
00:38.0
Kasi kung ilalagay mo yung isang investment mo sa isang kind of investment
00:43.0
at kapag nagsara yun or naloko ka dun,
00:47.0
eh di nakuha na yun sa'yo lahat, diba?
00:50.0
And we want to enhance the potential of returns through exposure to various opportunities.
00:56.0
So at least may tanong ako din sa diversification.
00:58.0
Bago pa tayo magpatuloy.
01:00.0
Kasi naalala ko, one of the points of Warren Buffett is sa mga ulit na ating investors
01:04.0
ay magkaroon daw tayo ng eagle eyes.
01:07.0
Eagle eyes, diba? Parang hawk or eagle eyes on the price.
01:11.0
Which meant na kailangan daw maging expert tayo on one specific kind of investment.
01:16.0
And once you're expert on that, it means alam na alam mo talaga.
01:19.0
Pero it seems to be a bit contrary to investment diversification.
01:24.0
Sir Vince, ang iyong opinion tungkol dito?
01:27.0
Of course, kasi sinabi mo na yung keyword eh, eksperto, diba?
01:32.0
At si Warren Buffett po ay talagang eksperto na sa pag-iinvest.
01:36.0
Kaya yung kanyang style ng pag-iinvest ay,
01:39.0
nandun parang kabayo ba na mayroon ng ganun nun?
01:42.0
Tapaloda, talagang focus na focus na siya.
01:44.0
And that is also a very viable way of doing investing.
01:49.0
Pero kailangan, expert ka dyan sa field na yan.
01:53.0
And most of us are not.
01:54.0
Yes, and most of us are not.
01:56.0
Kaya for us, ordinary na investors, diversification pa rin ang best.
02:02.0
Instead na yung sinasabi ni Warren Buffett na focus tayo sa ating,
02:08.0
ilimit natin ng ating mga investment, mag-focus tayo dun at magpakagaling tayo dun.
02:14.0
Pero e-diversify mo muna ngayon, tapos mag-eksperto ka, mag-specialize ka,
02:19.0
then that's the time na makukuha mo yun.
02:21.0
Thank you, sir Vince.
02:23.0
So ano ba yung importance ng diversification?
02:26.0
So we want to protect our hard-earned money against market volatility.
02:30.0
So ayaw natin na inilalagay lang natin sa iisang klase ng asset
02:34.0
kasi baka magpo-fluctuate-fluctuate yan, mahirap ang pagpumasok at lumabas.
02:41.0
And we want to achieve our financial goals or our life goals
02:45.0
such as our retirement, pagpapaaral ng ating mga anak,
02:49.0
at saka home ownership kasi ito po talaga yung top 3 na life goals ng mga Pilipino.
02:54.0
And aside from that, we want to build wealth and financial security for the future.
03:00.0
Sir Vince, di ba tulad yan?
03:01.0
Environment, education, home ownership.
03:04.0
In our years of research, paulit-ulit na ito talaga yung gusto ng mga Pilipino.
03:07.0
Kaya lang, when you talk about diversification, it seems na ang pagdiningay dapat malaki pera mo, right?
03:13.0
Paano, Sir Vince? Kunyari, may mga tao na ordinaryo din.
03:17.0
Hindi rin ang kalaki pa yung kanila na i-equal para ipag-invest.
03:20.0
Let's say for example, Php 50,000.
03:22.0
So, pa-hapi-hapiin mo pa ba yan to diversify?
03:25.0
Oo nga. Usually, kapag tayo ay nagsisimula sa ating investment
03:30.0
at beginner tayo, no? Php 50 million available sa atin.
03:33.0
Alam ka naman maglagay tayo ng Php 5,000 dito sa MP2.
03:36.0
Tapos maglagay tayo ng Php 5,000.
03:39.0
So, maganda na ilagay mo muna siya sa safe na, siguradong safe na investment.
03:47.0
So, kung Php 50,000 yan, ilagay mo nalang muna yan sa MP2.
03:50.0
O kaya, kung emergency savings mo pa lang yan, hindi pa talaga pang invest,
03:54.0
mukhang i-time deposit mo muna siya, diba?
03:57.0
So, kapag nagkaroon ka na ng significant na amount doon,
04:01.0
edi sa kakalumipat sa, diba?
04:03.0
Ako, sa mga beginners, sa totoo lang, baka maganda mag-start na per Php 100,000.
04:08.0
Yung paghahati-hati na gagawin natin.
04:10.0
So, magpuno ka, for example, ng Php 100,000 sa MP2.
04:13.0
O pagkatapos mo ng Php 100,000 sa MP2, o dito ka naman sa retail treasury bonds.
04:17.0
Tapos kapag Php 100,000 ka na doon, mag-time deposit ka naman.
04:23.0
So, kasi kapag ginispread mo naman lahat, parang maubos mo yung oras mo.
04:26.0
Diba? Kakabantay.
04:29.0
Handa ka na bang lumevel up sa savings mo?
04:32.0
Join the SEDPICA Sosyo Community and get started to be a social investor today!
04:37.0
Step 1. Umatend ng Self-Based Online Pre-Membership Education Seminar.
04:42.0
Mag-sign up sa bit.ly slash sedpicooppmes now na!
04:47.0
Step 2. I-deposit ang iyong initial share capital, membership fee,
04:51.0
at joint venture savings sa GCash, BDO Online Banking,
04:55.0
BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit.
05:00.0
Daming options, diba?
05:02.0
Sundi ng simple instructions sa bit.ly slash sedpipay para makapagsimula.
05:07.0
Step 3. Mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit.
05:14.0
Go to bit.ly slash sedpionlinesri at kami na ang bahala sa iyo.
05:20.0
Ano bang inihintay mo?
05:21.0
Sali na sa SEDPICA Sosyo ngayon and let's start building a brighter financial future together!
