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00:00.0
Mayroon tayong mga iba't ibang investment diversification strategies.
00:04.0
Ito ang mga sumusunod.
00:05.5
So mayroon tayong pinatawag na sustainable and socially responsible investments.
00:09.8
Then mayroong asset allocation strategy.
00:12.3
Mayroong dollar cost averaging strategy.
00:14.5
Mayroong rebalancing.
00:15.8
May investing in low-cost diversified funds.
00:18.8
At may diversifying across industries and sectors.
00:23.0
Sir James, paano tayong magpatuloy?
00:24.8
Alam ko marami yan eh, diba?
00:26.3
Pero kung ikaw ang pipili dyan, ano ang paborito mo?
00:28.3
Actually, sa akin na dapat talaga you take all of these six diversification strategies together, diba?
00:37.1
Parang for example, magfocus ka dito sustainable and socially responsible
00:40.8
pero hindi naman naka-asset allocate.
00:43.8
Parang nasa isang uri ka lang ng socially or sustainably responsible investment.
00:51.1
Hindi rin siya nagda-diversify.
00:52.8
So you have to take all of these six and if you can implement all of this,
01:00.6
So umpisahan natin, paano nangyayari ang diversification
01:04.6
through sustainable and socially responsible investments?
01:07.6
This means we are selecting investments that foster positive impact on society
01:13.6
and the environment and we are focused on not just the profit
01:19.1
but we want to consider the community's ecosystems and future generations for this.
01:24.6
Lagi tayong tinatagang dyan.
01:26.1
Bakit daw ba talagang tinitilit at tinitilit natin pa ulit-ulit ang socially responsible investment?
01:33.6
Kasi diba, meron tayong kasabihan kung aanhin pa ang damo kung patay na ang kabayo, diba?
01:41.6
Anong ibig sabihin yan?
01:43.1
Eh, nag-invest tayo sa mga investment na sumisira sa kalikasan.
01:46.6
Eh, biglang bumaha, biglang lumindol o biglang nag-typhoon at tinamaan tayo.
01:53.1
Hindi wala din, diba?
01:54.6
Hindi siya sustainable in the long run.
01:56.6
Kaya dapat uunahin pa rin talaga natin ang kapakanan ng bawat isa
02:01.6
kasi tayo ay isang community at yung kapaligiran natin.
02:06.1
So kaya napakahalaga na dapat yung paglalagyan natin ng pera
02:09.6
ay hindi nakakasira sa kalikasan at hindi rin ito nakakasama sa ibang tao.
02:15.6
Yumaman kang tumapak ka naman sa iba, diba?
02:21.6
Ang isa pa ay yung tinatawag natin na asset allocation.
02:25.1
So we want to determine the optimal mix of investment types
02:29.1
based on financial or your life goals.
02:32.1
So kung maglalagay ka ng investment mo, ito ay pang retirement mo.
02:36.6
Saan mo siya i-allocate?
02:39.1
Maglalagay ka sa MP2, meron ka sa SSS, meron kang real estate investment.
02:44.1
Asset allocation yung tawag doon. Tapos lalagyan mo siya ng percentages.
02:49.1
So pwede kang mag-allocate sa MP2, cash, SSS,
02:53.1
co-op time deposit and share capital, real estate,
02:56.1
retail treasury bonds or retail dollar bonds.
03:00.1
And what you do is you regularly review and adjust the allocation
03:04.1
as circumstances change, diba?
03:07.1
Nagbabago pala yan, Sir Ken.
03:08.1
So sa mga nagsisimula, anong palagay mo na magandang asset allocation?
03:13.1
Kapag ikaw ay nagsisimula pa lang, ano yung asset allocation mo?
03:18.6
Again, pupunta tayo muna sa purpose.
03:20.6
So nag-o-umpisa ka para saan?
03:23.6
Nag-o-umpisa ka para sa retirement mo.
03:26.6
For example, kung ganyan, SSS muna.
03:29.6
Punoin mo muna yung SSS mo, diba?
03:32.6
Pagkatapos ay pagpuno na yung SSS mo, mag-MP2 ka naman, diba?
03:37.6
O kapag sinabi ko, 100, 100, 100,000.
03:40.6
Pag nak-100,000 ka lang sa MP2 per year, lumipat ka naman sa iba.
03:44.6
Pero long term, ang gusto ko kapag retirement talaga,
03:47.6
ay makapag-ipunta para makapagpatayo ng rental property
03:52.6
para pag-retire mo, yung mawawalang sweldo mo na monthly,
03:56.6
mayroong rental income na papasok every month.
04:01.6
Magandang tip yan.
04:03.6
Ayun. Tapos may tinatawag na peso cost averaging.
04:06.6
Ito naman yung nag-iinvest tayo ng fixed amount of money at regular intervals
04:12.6
regardless of market conditions.
04:14.6
So wala kang pake kung up your market or down your market.
04:17.6
Basta naglalagay ka regularly.
04:20.6
Because through this, we reduce the impact of market volatility.
04:23.6
Dahil ang nangyayari, mas nakakabili tayo ng maraming units
04:28.6
kapag mura ang market.
04:32.6
Tapos mas nakakapagbenta tayo kapag mataas.
04:35.6
At or kakaunti yung nabibili natin.
04:38.6
Malagi pa yung nag-work, sir?
04:43.6
Sampung taong ko nang ginagawa itong peso cost averaging
04:47.6
on a very small scale.
04:48.6
So as a financial, as someone who does advice
04:53.6
or teaches financial literacy and personal finance,
04:56.6
dapat susubukan ko rin yung iba't ibang mga investments.
04:59.6
So meron akong napakaliit na exposure sa stock market.
05:04.6
At sampung taong na yun doon.
05:06.6
At ang sinusunod ko ay yung peso cost averaging.
05:09.6
Tapos index fund ko pa nilalagay.
05:12.6
So para talagang yung volatility ay mauwasan natin.
05:17.6
Sa awa ng Diyos, yung 1 million ko 10 years ago
05:21.6
ay 1 million pa rin naman na rin.
05:28.6
You're not losing the amount of money.
05:31.6
But if there's a value, malayo.
05:34.6
Malayo na, di ba?
05:35.6
Hindi mo nakukuha yung tamang value.
05:39.6
Kaya nga sinasabi ko minsan,
05:40.6
nakinako lumatkin lang ito ng 20%
05:42.6
ay nakuya, out ko na talaga.
05:44.6
Gumaganyan ako, di ba?
05:45.6
Tapos meron din tayong tinatawag na rebalancing
05:48.6
as an investment strategy.
05:50.6
Ito yung ina-adjust natin yung portfolio periodically
05:53.6
to maintain the desired asset allocation.
05:55.6
So kung nga rin nakalagay ka na,
05:57.6
o dapat 50% nasa MP2 ha,
06:00.6
tapos 30% nasa time deposit sa co-op,
06:03.6
tapos 20% naman ay nasa cash.
06:05.6
Yun yung tinatawag na rebalancing.
06:08.6
So we want to sell and buy assets
06:10.6
to create passive income
06:12.6
to achieve our life goals
06:14.6
and we ensure that the portfolio remains
06:16.6
aligned with the financial goals.
06:18.6
Yun yung risk tolerance natin doon
06:20.6
is only secondary.
06:22.6
So ang tinitignan natin dito
06:24.6
ay saan na, ano yung mga porsyento.
06:27.6
Di ba? Yan yung rebalancing.
06:29.6
Tapos yung asset allocation naman
06:30.6
ay kung anong klaseng asset mo siya nilalagay.
06:33.6
So you put these two together,
06:34.6
actually medyo pareho lang yung sinasabi nila.
06:36.6
So Sir Vince, pag ganyan ba?
06:38.6
Lalo na kanyara yung mga medyo na-excite
06:41.6
na bagong investment option,
06:43.6
tapos parang maliit lang gusto nilang maglagay.
06:45.6
What do you think about that?
06:47.6
Actually, ako naman ano,
06:49.6
okay namang sungubok.
06:51.6
Parang ganito siya,
06:54.6
kung yung analogy ko ay sa isang relasyon,
06:57.6
parang may nagpapakyut sa'yo dyan,
07:00.6
pero in a relationship ka na,
07:02.6
in a committed relationship ka na,
07:04.6
para sa akin, okay din lang naman na
07:06.6
makipag-flirt at makipag-smile, ganyan.
07:09.6
Pero you have to be careful.
07:12.6
You're playing with fire, di ba?
07:14.6
Baka mahulog ka o mahulog siya.
07:16.6
Kung saan ko na mapunta yan, di ba?
07:18.6
Ganun din sa investments.
07:20.6
I think okay lang naman na mag-try.
07:23.6
Pero sobrang small.
07:24.6
Ako, for example, binanggit ko naman ito sa inyo
07:27.6
two weeks ago, di ba?
07:29.6
Pumasok ako sa cryptocurrency,
07:30.6
pero dios ko naman, 30,000 lang, di ba?
07:33.6
Napakaliit na amount.
07:35.6
Curious lang ako.
07:36.6
At ang ginawa ko din doon ay peso-cost averaging, di ba?
07:40.6
And in fairness, in the short run,
07:42.6
ay nag-work naman yun, di ba?
07:44.6
So yun yung ano natin on rebalancing.
07:48.6
And then meron din yung tinatawag natin na strategy
07:51.6
na invest in low-cost diversified funds.
07:54.6
So ito yung hahanap ka ng pwedeng mutual fund,
07:57.6
UITFs, or mga index funds na mababa lang yung entry cost nila
08:02.6
or exit cost, pati na rin yung kanilang mga management fees.
08:05.6
Because when you do this, kapag invest ka sa mga funds,
08:08.6
talaga yan, you gain instant diversification
08:11.6
by investing a single fund.
08:13.6
Hindi mo na kailangan bumili ng isa-isa.
08:15.6
Sila na mismo yung gumagawa.
08:17.6
So multiple asset classes na agad yan.
08:20.6
And you reduce the impact of fees on overall investment returns.
08:25.6
Could you just rewind a bit?
08:26.6
Ano yung mga example nito? You mentioned a few.
08:28.6
Pero ba kahit kailangan na i-remind natin.
08:31.6
So meron tayong tinatawag na mutual fund.
08:34.6
So meron din tayong tinatawag na unit investment trust funds.
08:38.6
Meron tayong tinatawag na exchange-traded funds.
08:42.6
At meron pang apat, pero ayoko siya.
08:45.6
Yung kasing variable universal life, VUL,
08:49.6
meron din yung mga funds niya.
08:51.6
Pero hindi ko bet yun.
08:53.6
Naku, magpapamahal lang kayo dun.
08:58.6
You also diversify across industries and sectors.
09:03.6
So pwede tayong maglagay sa technology, sa health, sa finance,
09:09.6
Because when we put it into several industries or sectors,
09:13.6
yung exposure natin ay nasa spread across the economy.
09:17.6
At hindi yung parang kapag tinamaan ng isang industry,
09:20.6
ay ha-guard ka na agad.
09:22.6
So we take advantage of growth opportunities in different areas of the market.
09:26.6
And because you are talking about different industries,
09:29.6
if you were asked, ano yung paboritong industry mo?
09:32.6
Ako sa totoo lang, ang gusto ko ay yung nasa development finance,
09:36.6
which is mga cooperatives, mga rural banks,
09:40.6
mga socially responsible investments,
09:42.6
plus gusto ko rin yung mga nasa agri sector.
09:46.6
At saka gusto ko rin ng real estate.
09:48.6
Nagpapalang gusto ko.
09:49.6
Nagpapalang gusto.
09:54.6
Handa ka na bang lumevel up sa savings mo?
09:56.6
Join the SEDPICA social community and get started to be a social investor today.
10:01.6
Step 1. Umatend ng self-paced online pre-membership education seminar.
10:06.6
Mag-sign up sa bit.ly slash SEDPICO or PMES now na!
10:12.6
Step 2. I-deposit ang iyong initial share capital, membership fee,
10:16.6
at joint venture savings sa GCash, BDO Online Banking,
10:20.6
BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit.
10:25.6
Daming options, di ba?
10:27.6
Sundin ang simple instructions sa bit.ly slash SEDPIPAY para makapagsimula.
10:32.6
Step 3. Mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit.
10:38.6
Go to bit.ly slash SEDPIONLINESRI at kami na ang bahala sa'yo.
10:44.6
Ano pang inihintay mo?
10:46.6
Sali na sa SEDPICA Sosyo ngayon and let's start building a brighter financial future together.
