#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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Eto naman yung mga MP2 dividend rates. O diba, nakaka-proud.

2022 ay 7%. So it really beat the inflation rate kasi nasa 5.6 yata yung inflation rate natin last year.

At kung makikita mo, 5.5, 4.6, 4.0. Nung first na yung 2010 to 2014, mga nandyan level siya.

Tapos mataas na talaga pagdating ng 2015.

Kaya paboritong-paborito ko talaga na fixed income security, ang MP2.

Saan tayo pwedeng mag-open ng MP2? Pwedeng-pwede po tayong mag-open sa mga pag-ibig branches, sa virtual pag-ibig.

At pwede rin po tayong mag-coordinate sa ating Human Resource Department kung tayo ay employed.

At siyempre, pwede rin po sa SEDP, dahil tayo po ay accredited collection agent.

Ayan, okay.

Pag-ibig MP2 na siyempre paboritong-paborito ko po yan.

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.

Pati rin po ang mga retirees, okay na okay. Wala pong age limit tayo dito sa pag-ibig MP2.

Voluntary savings program po ito with a minimum P500 na contribution.

At kahit ilang beses po kayong mag-contribute ay okay lang. At any amount above P500 and above ay acceptable.

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.

Tax-free po ito and government guaranteed. Long term po 5 years yan.

And it could be withdrawn before 5 years without penalty kung ang reason ng ating pag-withdraw ay dahil sa total disability and insanity,

separation from work by reason of health, at saka dahil sa kamatayan.

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 i-invest naman natin siya in our 5-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.

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 P-dividend payout po ay annual.

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.

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 5 years, 3 percent po ang pre-termination fee, 2 percent po ang annual management fee.

Nakukunin 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.

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 percent dyan, P10,000,000.

So kumita ng dividend na P500.

So ilalagay natin lahat yan.

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 ang 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 percent.

Tatanggalin natin yung management fee na 2 percent.

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

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.

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?