#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 tinignan din natin ang mga digital banks sa ating research.

So dito, kung makikita natin, so mayroon tayong...

This is the current savings account, hindi po ito time deposit.

So ito yung regular na savings deposit.

So ito yung regular rates ng mga digital banks.

So kung makikita po ninyo dyan, ang pinakamataas kung ang regular ang tinitignan natin ay ang go time

which is 4% yung kanilang net of taxes, ang kanilang regular savings account.

At wala pong limit yan. Any amount ay pwede nating ipasok sa regular.

At doon naman kapag may tinitignan tayong mga promo-promo, ang lumalabas naman po dyan ay ang CIMB

na mayroong 9.6% na interest para lang sa mga new members na mag-open up to P200,000.

Sa mga bagong depositors na mag-open up to P200,000.

So ibig sabihin yan, yung excess non ay hindi na. Magpupunta na siya doon sa regular na savings.

So again, i-screenshot nyo na po ulit dyan at kasama naman ako sa screenshot na yan

para malaman ninyo kung saan kayo pwedeng mag-open ng inyong regular savings account.

Okay? Time deposit.

So ano ba yung time deposit?

So ang time deposit ay ano no? Sorry po.

Ang time deposit is the kind of investment na tayo ay naglalagay ng ating pera sa banko

at yung pera na yan ay nakalock siya for a certain period.

So yung pre-termination natin usually dyan sa time deposit, it can be withdrawn anytime actually.

Pero yung capital or principal or corpus is nape-preserve natin yan.

Kasi maraming mga nagtatanong sa akin, ayaw nila mag-time deposit kasi baka pag pre-determinate nila

ay mabawasan lang yung pera nila.

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.

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.

So the penalty is usually 10-15% of the interest exclusive of the corpus

or magre-revert back to the regular savings rate.

So for example, naglagay tayo ng time deposit 100,000 pesos.

Ang term ay one year at ang sabi ay 5% per annum.

Tapos po rin na-terminate natin siya.

So hanggang 50% daw pwedeng maging penalty mo sa interest.

Instead na 5% yung makukuha mo na interest, magiging 2.5% na lang.

Or kung yung regular savings account nila ay 1% lang,

baka doon ka ibalik as a regular savings.

8, tayo ay kabilang sa tinatawag na Gen Z.

Yung mga pinanganak noong 1997 to 2012.

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

and learn about investing because

ang fixed income securities are usually very, very safe investments.

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.

Yan ang pinaprioritize natin sa investment.

Kapag naman ikaw ay millennial and you were born 1981 to 1996,

bakit ka naman papasok sa securities, sa fixed income securities?

This is because fixed income securities are a reliable way

to secure your money to buy your big ticket items.

So pagpapatayo ng bahay o kaya if you're building the education fund

for your children, fixed income securities po

ang magandang paglagyan natin sa mga purposes na yan.

Kapag ikaw naman ay katulad ko, you belong to the Gen X,

so you were born 1965 to 1980.

So para saan naman ang ating investment?

Ito na ay for diversification because we want to balance risk and returns.

You have to remember kapag dito tayo ay Gen X,

nasa stage tayo ng buhay natin na ito yung may pinakamalaki tayong kinikita

and a lot of people are actually very tempted na ang gagawin nila ay

sa high yielding pero higher risk din ng mga investments.

So i-resist natin yung temptation na yun and we go for diversification

because pag diniversify natin yan, we are able to protect our investment more

and we will be able to build our retirement portfolio.

So para sa mga Gen X, diversification naman ang purpose

ng pag-iinvest sa fixed income securities.

Again, kapag ikaw katulad ng mga parents ko ay mga baby boomers,

if you're born 1946 to 1964,

bakit ka naman papasok sa fixed income securities?

Because you want to preserve the capital of your hard-earned money.

So yung hard-earned money mo yun ay yung capital mo

and if you invest in fixed income securities,

it will provide you with a steady stream of income during retirement

and usually this is a replacement for your paycheck.

Okay, in relation to our time deposit, meron po tayong SEDP Co-op

Time Deposit Joint Venture Savings Basket.

Ano ba itong Co-op Time Deposit Joint Venture Savings Basket?

So ito po ay pinagkupul natin yung pera natin and then we place

our time deposits in several cooperatives.

So in this case, example natin, Co-op A up to Co-op F.

So we put all our time deposits there. Pagkahaluhaluin natin siya.

And what happens is we are now going to deposit this

in a joint venture savings basket which we will professionally manage

as SEDP Co-op and then yung invest naman natin siya

in our five-year or more na time deposits na yan

at yung earnings nito ay ibibigay natin sa mga members natin.

Ipapass on natin yan sa kanila.

Okay? So yun pong time deposit joint venture savings basket natin,

ang terms and conditions niya, this is open to all SEDP members.

Minimum po ay P10,000. Maximum ay P1,000,000.

Ang dividend payout po ay annual. At ang return po natin dito,

ang estimate natin ay nasa 4% to 6% per annum

based on the basket of Co-op's performance.

Yung time deposit joint venture savings basket natin,

ang payouts natin dito sa wallet natin hindi po yung nag-earn.

May holding period tayo na five years, 3% po ang pre-termination fee,

2% po ang annual management fee.

Nakukuni na po yan doon sa interest na makukuha natin.

Wala po itong guarantee and if a Co-op closes down,

our joint venture savings might decrease.

Okay? So yung pong SEDP Co-op joint venture basket natin

as of 2021, just an example.

So Co-op A, for example, naglagay tayo ng 5% dyan, P10,000,000.

So kumita ng dividend na P500. So ilalagay natin lahat yan.

At for example, ang total natin ay P50,500,000 ang ating na-invest dyan.

P3,500,000 ang kinita ng ating joint venture savings basket.

So ng time deposit na nilagay natin sa iba't-ibang mga kooperatiba.

So yung P3,500,000 na yan divided by P50,500,000,

ito ay nag-yield ng 7.06%.

Tatanggalin natin yung management fee na 2%.

So ang effective na interest rate po natin or dividend rate natin dyan ay 5.06%.

Kung may average daily balance tayo na P100,000 times 5.06,

kikita po ng P5,060 sa taon na yun yung ating P100,000.

Okay? So yan po ang ating SEDP Co-op joint venture savings basket.

So kung gusto nyo po na magpamiyembro dyan, pumunta lang kayo sa bit.ly

slash SEDP Co-op PMES or iscan nyo po yung QR code na nagpapakita sa ating screen ngayon.