#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

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So ang exciting po na ginawa ko dito ay tinignan ko yung mga interest rate from banks.

Net of taxes po ito ha kasi may 20% na withholding tax kapag tayo ay naglagay ng deposit natin.

At ang tinignan ko lang po ay yung one year na placement ng time deposit.

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.

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.

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.

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.

Screenshot nyo na po ito kasama ang aking beauty para meron kayong makita kung saan ninyo gusto mag-open ng time deposit.

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.

Sa UNO Bank kasi hanggang P500,000 lang yung 5.2% net of taxes. Pero sa Tonic lahat siya. Any amount ay 5%.

Kung titignan ninyo sa mga commercial banks ay medyo matatalo talaga kasi maliit yung kanilang mga time deposit rates.

So tinignan din natin ang mga digital banks sa ating research. So dito kung makikita natin, so meron 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 ipaso sa regular. At doon kapag may titignan 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.

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

Tapos siyempre hindi naman natin iiwana ng ating mga kaibigang mga kooperatiba. So ito ang listahan ng mga interest rates ng mga co-ops for one year. Again it's also the same, P10,000, P50,000, P100,000 and P1M. You can take a screenshot of this at mag-email kayo sa amin kung ano yung mga co-op na yan.

Pero kapag dito sa P10,000, P50,000, P100,000, ang pinakamataas po ay ang panabo multipurpose cooperative that would give 5.25%. This is already net na makukuha natin kasi walang tax ang interest rate, interest from, interest earnings natin from cooperatives by virtue of the cooperatives.

Kung ito naman ay mayaman-yaman at may pera, saan pa ba tayo pwedeng maglagay? Kung meron kang P1M, ito naman, Sacred Heart Savings Cooperative, magbibigay po yan ng 7% per annum na interest rate sa iyo for a time deposit of one year.

So kung meron kang P1M na inalagay sa kanila, that will earn P70,000 in one year. Uy, hindi na masama yan, ha?

Time deposit. Ayan. 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 nakalock siya for a certain period.

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.

Kasi maraming mga nagtatanong sa akin, ayaw nila mag-time deposit kasi daw kapag 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 makukuha.

So the penalty is usually 10-15% of the interest exclusive of the corpus or mag-revert back to the regular savings rate.

For example, naglagay tayo ng time deposit P100,000. Ang term ay 1 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 sa regular savings.

At hindi 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 safe investments.

So kung tayo nagpa-practice parang 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.

O kaya if you're building the education fund for your children, fixed income securities ang magandang paglagyan natin sa mga purposes na yan.

Ngayon, 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.

So 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 ilalagay nila 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.

And 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.

Actually, this is a replacement for your paycheck.

Okay?

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.

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

Ipapass on natin yan sa kanila.

Okay?

So yung time deposit joint venture savings basket natin,

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

Minimum po ay P10,000 pesos.

Maximum ay P1,000,000 pesos.

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.

So if ako itong guarantee and if a Co-op closes down,

our joint venture savings might decrease.

Okay?

So yung kung 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.

For example, ang total natin ay P50.5M ang ating na-invest dyan.

P3.57M yung kinita nung ating joint venture savings basket.

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

So yung P3.57M na yan divided by P50.5M,

ito ay nag-yield ng 7.06%.

Tatanggalin natin yung management fee na 2%.

So ang effective na interest rate po natin o 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.

Okay?

Thank you.