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00:00.0
So ang exciting po na ginawa ko dito ay tinignan ko yung mga interest rate from banks.
00:06.8
Net of taxes po ito ha kasi may 20% na withholding tax kapag tayo ay naglagay ng deposit natin.
00:15.8
At ang tinignan ko lang po ay yung one year na placement ng time deposit.
00:21.6
So ito hang nakita natin dyan. So tinignan natin BDO-BPI-MetroBank. Yung MetroBank meron siyang pang-branch at MetroBank na pang-online tapos meron Tonic at Puno Bank.
00:38.2
So yan yung mga tinignan natin. At ang amount ay P10,000, P50,000, P100,000. I think dito sa amount na pinili natin ay 99% ng mga Pilipino yan yung kayang i-deposit.
00:53.8
P1,000,000 for the 1% ng mga Pilipino. So pag makikita natin dito sa amount na P10,000, P50,000, P100,000, ang pinakamataas na interest rate na nakita ko, net of taxes ay Puno Bank.
01:12.2
So 5.2% net of taxes na po ang makukuha natin dyan. Kung hindi ako nagkakamala, this is about 6.5% yung nominal rate na sasabihin nila. Pero less 20%, it will give you 5.2% na interest.
01:29.0
Screenshot nyo na po ito kasama ang aking beauty para meron kayong makita kung saan ninyo gusto mag-open ng time deposit.
01:40.8
So sa P1,000,000 nung kinumpire natin, Tonic yung pinakamataas. 4.2% siya net of taxes. So 5% talaga yung nominal interest rate niyan.
01:56.4
Sa UNO Bank kasi hanggang P500,000 lang yung 5.2% net of taxes. Pero sa Tonic lahat siya. Any amount ay 5%.
02:07.4
Kung titignan ninyo sa mga commercial banks ay medyo matatalo talaga kasi maliit yung kanilang mga time deposit rates.
02:18.2
Time deposit. So ano ba yung time deposit? Ang time deposit is a kind of investment na tayo naglalagay ng ating pera sa banko at yung pera na yan ay nakalak siya for a certain period.
02:45.0
So yung pre-termination natin usually sa time deposit, it can be withdrawn anytime actually pero yung capital or principal or corpus is nape-preserve natin yan.
02:57.0
Kasi maraming mga nagtatanong sa akin, ayaw nilang mag-time deposit kasi baka pag pre-determinate nila ay mabawasan lang yung pera nila.
03:07.8
So that is a myth. Hindi po yan totoo. Huwag kayong matakot. Okay lang po kasi pwede pong i-pre-terminate ang time deposit kapag kailangan na natin siya.
03:16.8
The penalty is usually around 10-15% of the interest. Hindi doon sa pera mo, doon sa interest usually sila. So buko mo pa rin siya na mahukuha.
03:31.6
So the penalty is usually 10-15% of the interest exclusive of the corpus or magre-revert back to the regular savings rate.
03:40.6
For example, naglagay tayo ng time deposit P100,000, ang term ay 1 year at ang sabi ay 5% per annum tapos pa rin na-terminate natin siya.
03:53.6
So hanggang 50% daw pwedeng maging penalty mo sa interest. Instead na 5% yung makukuha mo na interest, magiging 2.5% na lang.
04:03.4
Or kung yung regular savings account nila ay 1% lang, baka doon ka ibalik sa regular savings.
04:11.2
Tayo ay kabilang sa tinatawag na Gen Z, yung mga pinanganak noong 1997 to 2012.
04:19.2
So para sa mga Gen Z, kung tayo ay papasok sa fixed income securities, this is a very good way to start your investment journey
04:27.2
and learn about investing because ang fixed income securities are usually very, very safe investments.
04:37.2
So kapag tayo nagpa-practice, level 1 muna tayo, maganda yan na paraan para maprotektahan at malaman natin na dapat ay secure at safe yung ating investment.
04:50.2
Yan ang pinaprioritize natin sa investment.
04:53.2
Kapag naman ikaw ay millennial and you were born 1981 to 1996, bakit ka naman papasok sa securities, sa fixed income securities?
05:07.2
This is because fixed income securities are a reliable way to secure your money to buy your big ticket items.
05:17.2
So pagpapatayo ng bahay o kaya if you're building the education fund for your children, fixed income securities ang magandang paglagyan natin sa mga purposes na yan.
05:29.2
Ngayon, kapag ikaw naman ay katulad ko, you belong to the Gen X.
05:33.2
So you were born 1965 to 1980.
05:36.2
So para saan naman ang ating investment?
05:38.2
Ito na ay for diversification because we want to balance risk and returns.
05:43.2
You have to remember, kapag dito tayo ay Gen X, nasa stage tayo ng buhay natin na ito yung may pinakamalaki tayong kinikita.
05:53.2
And a lot of people are actually very tempted na ang gagawin nila ay ilalagay nila sa high yielding pero higher risk din ng mga investments.
06:02.2
So i-resist natin yung temptation na yun and we go for diversification because pag diniversify natin yan,
06:10.2
we are able to protect our investment more and we will be able to build our retirement portfolio.
06:16.2
So para sa mga Gen X, diversification naman ang purpose ng pag-iinvest sa fixed income securities.
06:24.2
And kapag ikaw, katulad ng mga parents ko ay mga baby boomers, if you're born 1946 to 1964,
06:33.2
bakit ka naman papasok sa fixed income securities?
06:36.2
Because you want to preserve the capital of your hard-earned money.
06:41.2
So yung hard-earned money mo yun ay kapital mo.
06:43.2
And if you invest in fixed income securities, it will provide you with a steady stream of income during retirement.
06:50.2
And usually, this is a replacement for your paycheck.
06:54.2
Okay, in relation to our time deposit, meron po tayong SEDP Co-op Time Deposit Joint Venture Savings Basket.
07:02.2
Ano ba itong Co-op Time Deposit Joint Venture Savings Basket?
07:06.2
So ito po ay pinagpupul natin yung pera natin and then we place our time deposits in several cooperatives.
07:14.2
So in this case, example natin, Co-op A up to Co-op F.
07:18.2
So we put all our time deposits there. Pagkahaluhaluin natin siya.
07:22.2
And what happens is, we are now going to deposit this in a joint venture savings basket,
07:28.2
which we will professionally manage as SEDP Co-op.
07:32.2
And then yung invest naman natin siya in our five-year or more na time deposits na yan.
07:40.2
And yung earnings nito ay ibibigay natin sa mga members natin.
07:46.2
Ipapass on natin yan sa kanila.
07:49.2
Okay, so yun pong time deposit joint venture savings basket natin,
07:53.2
ang terms and conditions niya, this is open to all SEDP members.
07:58.2
Minimum po ay P10,000 pesos. Maximum ay P1,000,000 pesos.
08:03.2
Ang dividend payout po ay anual.
08:07.2
At ang return po natin dito, ang estimate natin ay nasa 4 to 6 percent per annum
08:12.2
based on the basket of Co-op's performance.
08:16.2
Yung time deposit joint venture savings basket natin,
08:20.2
ang payouts natin dito sa wallet natin hindi po yung nag-earn.
08:24.2
May holding period tayo na five years, 3 percent po ang pre-termination fee,
08:29.2
2 percent po ang annual management fee.
08:32.2
Nakukunin na po yan doon sa interest na makukuha natin.
08:36.2
Wala po itong guarantee and if a Co-op closes down,
08:39.2
our joint venture savings might decrease.
08:43.2
Okay, so yung pong SEDP Co-op joint venture basket natin as of 2021,
08:50.2
So Co-op A, for example, naglagay tayo ng 5 percent dyan, P10,000,000.
08:54.2
So kumita ng dividend na P500.
08:57.2
So ilalagay natin lahat yan.
08:59.2
At for example, ang total natin ay P50.5 million ang ating na-invest dyan.
09:06.2
P3.57 million yung kinita nung ating joint venture savings basket.
09:11.2
So ng time deposit na nilagay natin sa iba't-ibang mga kooperatiba.
09:16.2
So yung P3.57 million na yan divided by P50.5 million,
09:24.2
ito ay nag-yield ng 7.06 percent.
09:29.2
Tatanggalin natin yung management fee na 2 percent.
09:33.2
So ang effective na interest rate po natin or dividend rate natin dyan ay 5.06.
09:40.2
Kung may average daily balance tayo na P100,000 times 5.06,
09:45.2
kikita po ng P5,060 sa taon na yun yung ating P100,000.
09:53.2
So yan po ang ating SEDP Co-op Joint Venture Savings Basket.
09:59.2
So kung gusto nyo po na magpamiyembro dyan,
10:02.2
pumunta lang kayo sa bit.ly slash SEDP Co-op PMES
10:07.2
or iscan nyo po yung QR code na nagpapakita sa ating screen ngayon.
