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00:00.0
Ang dividends po natin pwede tayong mamili between withdrawing annually or after 5 years ng maturity.
00:10.0
On the 5th and final year, it will follow the latest declared dividend rate.
00:16.0
Itong annual dividend payout natin, illustrate lang natin siya.
00:20.0
So tayo ay nagsisave ng P500 kada 1. So yung monthly savings natin times 12, it will be P6,000 per year.
00:33.0
Ginawa mo ito for 5 years. So yung cumulative savings mo na inilagay mo, na kinontribute mo ay abot na ng P30,000.
00:43.0
Ang ibig sabihin niyan, tuwing magdideclare ng dividendo ay pwede mo na makuha ito.
00:50.0
For the 1st year, meron tayong P243.75. On the 2nd year, P693.75 na. Kasi lumalaki din yung cumulative savings.
01:02.0
So at the end of the 5th year, ang makukuha mo ay ito na lang, dividend na ito plus yung P30,000.
01:10.0
Dito, ang total na nakuha mo na dividendo ay P5,718.75 pesos with a dividend rate of 7.5%.
01:25.0
Yun yung ating assumption na ginamit. Itong part na to, every year mo nakukuha yung dividend.
01:33.0
So kung kailangan mo ng extra income, pwede mong gamitin yan.
01:37.0
Kapag compounded naman, ibig sabihin hindi natin kinukuha yung ating dividend, kundi niro-rollover siya doon sa account natin.
01:48.0
Tapos nag-a-accumulate siya. So yung kinita natin na dividend ay kikita na naman ng dividend the following year.
01:55.0
P500 every month yung ginagawa mo, P6,000 per year yan for a total savings of P30,000 per year.
02:03.0
So yung cumulative savings natin ay P6,000 plus P243.75. Ang total accumulated value na natin ay P6,243.75 pesos.
02:18.0
Nag-save na naman tayo ng P6,000. So P6,000 dito plus yung P6,243.75 natin, yan na yung cumulative savings natin.
02:28.0
At yan po yung magiging basihan ng dividend natin for the second year.
02:35.0
Gaganun ulit yan. So nadadagdag ng nadadagdag. Kaya mas malaki yung ating kinita.
02:43.0
Kasi compounded yung ating dividend. Kung mapapansin natin dito, yung annual dividend wala ng payout.
02:51.0
Dito naman at the end of the fifth year talaga natin makita. So ano yung diperensya?
02:57.0
P5,718.75, the previous example. Yung annual dividend ng payout. So pareho lang yung dividend rate, 7.5% per annum yung assumption.
03:11.0
Dito naman ay kumita tayo ng P6,266.14. Maliit na diperensya kasi 5 years lang pero makikita talaga natin yung power of compounding kapag ang time horizon natin ay mas mahaba.
