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00:00.0
Ang daming investments ngayon, nakakalito!
00:04.6
Unahin mo ang SSS, Pag-ibig MP2, at government bonds.
00:09.4
Watch mo to, kung gusto mo pang malaman ang iba pa.
00:12.8
At Sir Vince, tanungin naman natin na paano ba malalaman kung saan dapat o nararapat mag-invest?
00:18.6
Ayan, so paano ba tayo dapat malalaman?
00:20.8
Ano ba yung mga okay na investment?
00:23.2
Especially for retirement yung nag-usapan natin.
00:26.0
So, reminder ha, sexy investment tayo.
00:29.0
Yan yung ating framework.
00:30.6
It should be secure and encashable.
00:32.6
Yung pinakabadalawang mahalaga yan for our investments.
00:35.8
And then dapat ay pipili tayo ng mga investments
00:39.0
na may x-factor, socially responsible, environment friendly.
00:42.2
At bago natin isipin yung kita or yield, okay?
00:45.6
So, paano saan tayo mag-invest for retirement?
00:48.2
Match your investment with life goals, not merely on your risk tolerance.
00:53.0
Kasi maraming nagsasabi na, ay, mataas yung risk tolerance mo.
00:55.6
Pumasok ka sa stock market.
00:57.0
Eh, lugi-lugi nga.
00:58.4
At for retirement, ito.
01:00.8
So, retirement yun lang nag-usapan natin.
01:02.8
So, hindi ka rin yung stock market kasi roller-coaster ride yan, diba?
01:07.2
Tunahin ang SSS paghihig at government funds para sa ating retirement fund.
01:14.4
Mga governmental yan?
01:16.2
Kasi ito ay napakasave niya dahil ito ay...
01:23.0
Ito ay guaranteed ng government.
01:24.2
Tapos, pag may sobra ka na, dagdagan ng rental properties,
01:28.4
ng co-op and rural lifetime deposit, co-op share capital, and land banking.
01:33.8
Save and invest as much as you can.
01:37.2
Yan ang ating golden rule.
01:39.4
So, save and invest as much as you can.
01:41.2
So, this is the second part.
01:42.8
Second point for our guides, mga Gen Z,
01:46.2
kung paano sila magpre-create ng kanilang retirement fund, no?
01:51.0
So, i-follow natin yung 5-15-20-16 budgeting rule to be able to do this, no?
01:57.0
Para ka magka-savings at magka pag-invest,
02:01.6
maayos mo yung budgeting, diba?
02:03.2
Para meron kang ma-save at ma-invest.
02:05.4
So, ito yung rule ng 5-15-20-16, no?
02:08.6
Maximum 5% of your income for insurance payments.
02:14.6
Ano yung ibig sabihin ng magmaximum?
02:15.8
Ibig sabihin yung hindi napat lumalapas mo.
02:18.4
Ayan, pag-review pa sa reviewer,
02:20.0
overspending on insurance, diba?
02:22.8
Kasi dapat yung insurance, guys,
02:24.6
mura lang at affordable, ha?
02:27.0
Kaya huwag tayo kukuha ng mga insurance,
02:28.6
may mga kasama mo, ano-ano.
02:30.4
Ang kailangan lang natin ay yung protection part niya.
02:34.6
And then, minimum 15% mag-save tayo.
02:39.4
Save and invest as much as you can.
02:41.6
So, kung kaya palakihin yung percentage,
02:45.6
Kaya minimum 20% din for investments.
02:49.4
And maximum 60% for expenses.
02:55.0
So, yun yung ating budgeting rule.
02:57.6
Handa ka na bang lumevel up sa savings mo?
03:00.6
Join the SEDPICA Social Community
03:02.6
and get started to be a social investor today.
03:06.6
Umatend ng self-paced online pre-membership education seminar.
03:10.6
Mag-sign up sa bit.ly
03:12.6
slash SEDPICO or PMES
03:16.6
I-deposit ang iyong initial share capital, membership fee,
03:20.6
at joint venture savings sa Gcash,
03:22.6
BDO Online Banking,
03:23.6
BPI Online Banking,
03:26.6
or Direct Bank Deposit.
03:28.6
Daming options, diba?
03:30.6
Sundi ng simple instructions sa bit.ly
03:32.6
slash SEDPIPAY para makapagsimula.
03:36.6
Mag-login sa iyong SEDP SRI online account
03:39.6
at ipaalam ang inyong deposit.
03:42.6
Go to bit.ly slash SEDPIONLINESRI
03:46.6
at kami na ang bahala sayo.
03:48.6
Ano bang inihintay mo?
03:49.6
Sali na sa SEDPICA Sosyo ngayon
03:51.6
and let's start building a brighter financial future together.
