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00:00.0
Eto naman yung mga MP2 dividend rates. O diba, nakaka-proud.
00:05.9
2022 ay 7%. So it really beat the inflation rate kasi nasa 5.6 yata yung inflation rate natin last year.
00:14.6
At kung makikita mo, 5.5, 4.6, 4.0. Nung first na yung 2010 to 2014, mga nandyan level siya.
00:21.6
Tapos mataas na talaga pagdating ng 2015.
00:25.5
Kaya paboritong-paborito ko talaga na fixed income security, ang MP2.
00:33.1
Saan tayo pwedeng mag-open ng MP2? Pwedeng-pwede po tayong mag-open sa mga pag-ibig branches, sa virtual pag-ibig.
00:42.0
At pwede rin po tayong mag-coordinate sa ating Human Resource Department kung tayo ay employed.
00:48.6
At siyempre, pwede rin po sa SEDP, dahil tayo po ay accredited collection agent.
00:58.4
Pag-ibig MP2 na siyempre paboritong-paborito ko po yan.
01:02.6
So ang modified pag-ibig savings 2, ito po ay open sa lahat ng mga P1 members o yung mga regular pag-ibig savings members.
01:12.9
Pati rin po ang mga retirees, okay na okay. Wala pong age limit tayo dito sa pag-ibig MP2.
01:19.4
Voluntary savings program po ito with a minimum P500 na contribution.
01:25.7
At kahit ilang beses po kayong mag-contribute ay okay lang. At any amount above P500 and above ay acceptable.
01:34.6
At lagi pong mas mataas ang dividend na makukuha ng pag-ibig MP2 compared sa regular savings ng pag-ibig by virtue of the circular number 276.
01:49.8
Tax-free po ito and government guaranteed. Long term po 5 years yan.
01:55.0
And it could be withdrawn before 5 years without penalty kung ang reason ng ating pag-withdraw ay dahil sa total disability and insanity,
02:04.6
separation from work by reason of health, at saka dahil sa kamatayan.
02:11.8
Okay in relation to our time deposit, meron po tayong SEDP Co-op Time Deposit Joint Venture Savings Basket.
02:19.4
Ano ba itong Co-op Time Deposit Joint Venture Savings Basket?
02:24.0
So ito po ay pinagkupul natin yung pera natin and then we place our time deposits in several cooperatives.
02:31.3
So in this case, example natin, Co-op A up to Co-op F.
02:35.1
So we put all our time deposits there. Pagkahaluhaluin natin siya.
02:39.8
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.
02:49.8
And then i-invest naman natin siya in our 5-year or more na time deposits na yan.
02:57.7
At yung earnings nito ay ibibigay natin sa mga members natin.
03:03.4
Ipapass on natin yan sa kanila.
03:06.5
So yung time deposit joint venture savings basket natin, ang terms and conditions niya, this is open to all SEDP members.
03:15.4
Minimum po ay P10,000 pesos.
03:18.4
Maximum ay P1,000,000 pesos.
03:21.0
Ang P-dividend payout po ay annual.
03:25.1
At ang return po natin dito, ang estimate natin ay nasa 4 to 6 percent per annum based on the basket of Co-op's performance.
03:34.1
Yung time deposit joint venture savings basket natin, ang payouts natin dito sa wallet natin hindi po yung nag-earn.
03:41.4
May holding period tayo na 5 years, 3 percent po ang pre-termination fee, 2 percent po ang annual management fee.
03:49.7
Nakukunin na po yan doon sa interest na makukuha natin.
03:53.6
Wala po itong guarantee and if a Co-op closes down, our joint venture savings might decrease.
04:00.7
So yung kung SEDP Co-op joint venture basket natin as of 2021, just an example.
04:08.1
So Co-op A, for example, naglagay tayo ng 5 percent dyan, P10,000,000.
04:12.3
So kumita ng dividend na P500.
04:15.0
So ilalagay natin lahat yan.
04:16.7
For example, ang total natin ay P50,500,000 ang ating na-invest dyan.
04:24.0
P3,500,000 ang kinita ng ating joint venture savings basket.
04:29.2
So ang time deposit na nilagay natin sa iba't-ibang mga kooperatiba.
04:33.9
So yung P3,500,000 na yan divided by P50,500,000, ito ay nag-yield ng 7.06 percent.
04:47.1
Tatanggalin natin yung management fee na 2 percent.
04:50.6
So ang effective na interest rate po natin o dividend rate natin dyan ay 5.06.
04:58.0
Kung may average daily balance tayo ng P100,000 times 5.06, kikita po ng P5,060 sa taon na yun yung ating P100,000.
05:11.0
So yan po ang ating SEDP Co-op joint venture savings basket.
05:16.6
So kung gusto nyo po na magpamiyembro dyan, pumunta lang kayo sa bit.ly slash SEDP Co-op PMES
05:24.5
or iscan nyo po yung QR code na nagpapakita sa ating screen ngayon.
