#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

Video Transcript / Subtitles:( AI generated. About AI subtitles » )

* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider becoming a patron to support these video transcriptions, and the other tools and apps built by Tagalog.com

So in terms of financial goals and risk tolerance,

ang ginagawa kasi natin dapat dito ay we want to identify

our individual and family objectives or our life goals.

So ang unang-una dapat natin tinitignan kapag tayo ay nag-i-invest

is ano ba yung purpose dito? Bakit tayo nag-i-invest?

At ang gagawin natin, imamatch natin yung ating investment purpose

with the investment product.

So hindi ito tungkol sa inyong risk appetite.

Wala kong pake kung kayo ay risk taker o kayo ay risk averse.

Ang importante ay ang inyong investment purpose.

Sir Vince, actually kahit sa mga live natin, may mga talagang tatanungin yan.

What if meron daw mga tao na mataas yung risk appetite talaga nila?

Di ba yun ang kanilang personality?

Okay lang ba na talagang maging risky yung kanilang investment?

Drew, hindi. Nasa purpose talaga yun.

Parang ganito, mahilig po ako sa mataba at kaya kong kumain ng mataba.

E, obese ka na. Meron ka ng sakit.

Sabihin ko pa bang, sige kaya mo naman, kumain ka pa ng mataba.

Hindi ganoon yun. Nandun yun dapat siya sa life goals mo.

Saan ba yan? So parang siyang damit din, sir Eno.

Tanong ko ta, kung ikaw ay magpapagawa ng damit papunta sa...

Kapag ikaw ay kakausap ng gagawa ng damit mo, ano yung mga sakit kailangan mong sabihin sa kanya?

Well, I think ang unang-una ay para sa aling damit.

Yes.

Normal ba yan? Church dress?

Correct. Di ba? Kasi kung sasabihin sa'yo na kahit ano na lang ang suot mo,

risk taker ka naman, ganyan. Di ba?

Hindi siya suot. Risk taker ako. Mag swimsuit ka.

Papuntang ka sa alan. Carry ba yun? Di ba?

So, hindi. Kailangan na aayon yung investment mo doon sa purpose.

At mauuna mo dapat na maiisip ang mga purpose na yan.

Kasi sa totoo lang, nagtatanong sa akin eh. Ano ba daw magandang investment?

Di ba?

Talalaka talaga ako. At tapos ang pag itatanong ko,

bago po masasagot yan, ano po ang inyong purpose? Bakit kayo mag-invest?

At napapaisip sila. Sabi ko, hindi nyo pala alam para saan yan.

Gusto nyo lang mag-invest. Di ba? At pa ikaw, anong sinasagot mo

pag gano'n lang tinatanong sa'yo?

Sir Vince, ano yung purpose muna? In fact, another question na tinatanong ko ay,

bago po natin pag-isipan yung mag-invest, kung meron na tayo ba insurance

at saka emergency savings?

Correct. Kasi yun dapat yun meron ka bago ka mag-invest.

And then we want to balance the potential returns with the acceptable levels of risk.

For example, ang iyong life goal ay pag-aaral ng anak.

So perfect na perfect yan ang pag-ibig MP2.

Kasi mahabaan.

Mahaba at saka yung risk niya talaga ay very limited dahil ito ay 100% guaranteed ng gobyerno.

Pero kapag ba 100% guaranteed ng gobyerno, ibig sabihin wala na itong risk?

Meron pa rin risk. Very minimal, maliit at malamang hindi mangyayari pero laging may risk.

Any form of investment.

So ano yung risk kapag government guaranteed na nga ito?

It could happen like black swan events or magkaroon ng gera that would affect the Philippines

or yung hindi natin gusto magkaroon ng government revamp.

At kung ano man na mangyayari na, again unlikely pero hindi impossible.

Actually di ba yung Greece nga nagkaroon sila ng problema sa kanilang ekonomiya

at hindi nila nabayaran ng kanilang mga treasury bonds and treasury bills.

So nangyayari yun sa Greece na isang maunlad na bansa,

ay maaaral din mangyayari sa atin pero napaka-remote.

So mayroon tayong mga iba't ibang investment diversification strategies.

Ito ang mga sumusunod.

So mayroon tayong pinatawag na sustainable and socially responsible investments.

Merong asset allocation strategy.

Merong dollar cost averaging strategy.

Merong rebalancing.

May investing in low cost diversified funds.

At may diversifying across industries and sectors.

Sir Vins, paano tayo magpatuloy? Alam ko marami yan eh.

Pero kung ikaw pipili dyan, ano paborito mo?

Actually sa akin, dapat talaga you take all of these six diversification strategies together.

Parang for example, magfocus ka dito sustainable and socially responsible.

Pero hindi naman naka-asset allocate.

Parang nasa isang uri ka lang ng socially or sustainably responsible investment.

Hindi rin siya nagda-diversify.

So you have to take all of these six and if you can implement all of this,

then mabuti.

So handa ka na bang lumevel up sa savings mo?

Join the SEDPika Sosyo 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 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?

Sundin ang 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 SEDPika Sosyo ngayon and let's start building a brighter financial future together!