#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 investment diversification?

Wait lang ha, at ako'y mag-aayos ng ating macros.

So ano ba yung investment diversification?

So yung investment diversification, diba?

Diverse. Ibig sabihin marami, diba?

So what we are trying to do is we're spreading our investments

across different asset classes.

So naglalagay tayo ng mga pera natin sa iba't ibang mga klase ng ari-arian

para ma-reduce yung risk by minimizing the impact of a single investment.

Kasi kung ilalagay mo yung isang investment mo sa isang kind of investment

at kapag nagsara yun or naloko ka dun,

eh di nakuha na yun sa'yo lahat, diba?

And we want to enhance the potential of returns through exposure to various opportunities.

So at least may tanong ako din sa diversification.

Bago pa tayo magpatuloy.

Kasi naalala ko, one of the points of Warren Buffett is sa mga ulit na ating investors

ay magkaroon daw tayo ng eagle eyes.

Eagle eyes, diba? Parang hawk or eagle eyes on the price.

Which meant na kailangan daw maging expert tayo on one specific kind of investment.

And once you're expert on that, it means alam na alam mo talaga.

Pero it seems to be a bit contrary to investment diversification.

Sir Vince, ang iyong opinion tungkol dito?

Of course, kasi sinabi mo na yung keyword eh, eksperto, diba?

At si Warren Buffett po ay talagang eksperto na sa pag-iinvest.

Kaya yung kanyang style ng pag-iinvest ay,

nandun parang kabayo ba na mayroon ng ganun nun?

Tapaloda.

Tapaloda, talagang focus na focus na siya.

And that is also a very viable way of doing investing.

Pero kailangan, expert ka dyan sa field na yan.

And most of us are not.

Yes, and most of us are not.

Kaya for us, ordinary na investors, diversification pa rin ang best.

Instead na yung sinasabi ni Warren Buffett na focus tayo sa ating,

ilimit natin ng ating mga investment, mag-focus tayo dun at magpakagaling tayo dun.

Pwede naman yun.

Pero e-diversify mo muna ngayon, tapos mag-eksperto ka, mag-specialize ka,

then that's the time na makukuha mo yun.

Thank you, sir Vince.

So ano ba yung importance ng diversification?

So we want to protect our hard-earned money against market volatility.

So ayaw natin na inilalagay lang natin sa iisang klase ng asset

kasi baka magpo-fluctuate-fluctuate yan, mahirap ang pagpumasok at lumabas.

And we want to achieve our financial goals or our life goals

such as our retirement, pagpapaaral ng ating mga anak,

at saka home ownership kasi ito po talaga yung top 3 na life goals ng mga Pilipino.

And aside from that, we want to build wealth and financial security for the future.

Sir Vince, di ba tulad yan?

Environment, education, home ownership.

In our years of research, paulit-ulit na ito talaga yung gusto ng mga Pilipino.

Kaya lang, when you talk about diversification, it seems na ang pagdiningay dapat malaki pera mo, right?

Paano, Sir Vince? Kunyari, may mga tao na ordinaryo din.

Yes.

Hindi rin ang kalaki pa yung kanila na i-equal para ipag-invest.

Let's say for example, Php 50,000.

So, pa-hapi-hapiin mo pa ba yan to diversify?

Oo nga. Usually, kapag tayo ay nagsisimula sa ating investment

at beginner tayo, no? Php 50 million available sa atin.

Alam ka naman maglagay tayo ng Php 5,000 dito sa MP2.

Tapos maglagay tayo ng Php 5,000.

So, maganda na ilagay mo muna siya sa safe na, siguradong safe na investment.

So, kung Php 50,000 yan, ilagay mo nalang muna yan sa MP2.

O kaya, kung emergency savings mo pa lang yan, hindi pa talaga pang invest,

mukhang i-time deposit mo muna siya, diba?

So, kapag nagkaroon ka na ng significant na amount doon,

edi sa kakalumipat sa, diba?

Ako, sa mga beginners, sa totoo lang, baka maganda mag-start na per Php 100,000.

Yung paghahati-hati na gagawin natin.

So, magpuno ka, for example, ng Php 100,000 sa MP2.

O pagkatapos mo ng Php 100,000 sa MP2, o dito ka naman sa retail treasury bonds.

Tapos kapag Php 100,000 ka na doon, mag-time deposit ka naman.

Ganyan, diba?

So, kasi kapag ginispread mo naman lahat, parang maubos mo yung oras mo.

Diba? Kakabantay.

Okay?

Handa ka na bang lumevel up sa savings mo?

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

Step 1. Umatend ng Self-Based 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, diba?

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 sa iyo.

Ano bang inihintay mo?

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