00:47.0
Pero yung preferred stock, dahil nga siya ay preferred, siya ay may punang claim or higher claim doon sa company's earnings and assets versus sa common stock.
01:00.0
So anong ibig sabihin yan?
01:02.0
Kapag mag-distribute ng income, babayaran muna ang mga preferred stockholders.
01:07.0
Pagkatapos ang bayaran ng preferred stockholders, saka pala makakatanggap ang mga common stockholders.
01:14.0
Ganon din kapag nagsara ang kumpanya. Kapag nagsara ang kumpanya, ili-liquidate ito.
01:20.0
Ang mauunan muna nang babayaran ay ang mga debtors, ang mga creditors.
01:25.0
So yung mga creditors, pagkahati-hatian nila yung assets ng kumpanya.
01:30.0
Kung mayroon pang matitira after masatisfy lahat yung mga creditors, sa preferred stockholders muna makupunta yun.
01:37.0
Pagka na-satisfy yung preferred stockholders, saka pala may makukuha yung mga common stockholders.
01:45.0
So earnings for preferred stocks are not guaranteed, unlike sa bonds na ito ay guaranteed.
01:53.0
Pero ang preferred stocks, owner ka nga pero wala kang voting rights.
01:58.0
So yung common stocks, yan naman yung kanyang benefit. Mayroon siyang voting rights.
02:04.0
So saan natin magandang gamitin ang fixed income instruments or fixed income securities?
02:12.0
Ito po kasi ay nagbibigay ng regular income. Although mababa, pero at least may regular ka na makukuha.
02:21.0
So if you've already built your retirement portfolio tapos nagretire ka na,
02:26.0
maganda na inilagay mo na ito sa fixed income instruments to be safer
02:29.0
and then just earn from the dividend or interest that you earn from it.
02:34.0
It's also a good hedge or protection against market volatility. Yung pagtaas at pagbaba ng market.
02:42.0
Kaya maganda po itong fixed income instruments. It also preserves our capital.
02:50.0
Hindi nababawasan yan usually except for the preferred stocks na pwedeng mabawasan ang capital natin.
02:57.0
And this is highly liquid because it's easily converted to cash.
03:03.0
So yan po ang ating discussion on fixed income securities.
03:08.0
Ako po si Sir Vince, ang inyong financial guro. Nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.
03:17.0
At tayo ay kabilang sa tinatawag na Gen Z. Yung mga pinanganak noong 1997 to 2012.
03:26.0
Para sa mga Gen Z, kung tayo ay papasok sa fixed income securities,
03:30.0
this is a very good way to start your investment journey and learn about investing
03:36.0
because ang fixed income securities are usually very, very safe investments.
03:43.0
So kapag tayo nagpa-practice parang level 1 muna tayo, maganda yan na paraan para maprotektahan
03:51.0
at malaman natin na dapat ay secure at safe yung ating investment.
03:57.0
Yan ang pinaprioritize natin sa investment.
04:00.0
Kapag naman ikaw ay millennial and you were born 1981 to 1996,
04:08.0
bakit ka naman papasok sa securities, sa fixed income securities?
04:14.0
This is because fixed income securities are a reliable way to secure your money
04:20.0
to buy your big ticket items, pagpapatayo ng bahay,
04:25.0
o kaya if you're building the education fund for your children.
04:29.0
Fixed income securities ang magandang paglagyan natin sa mga purposes na yan.
04:35.0
Ngayon kapag ikaw naman ay katulad ko, you belong to the Gen X, so you were born 1965 to 1980.
04:42.0
So para saan naman ang ating investment?
04:44.0
Ito na ay for diversification because we want to balance risk and returns.
04:50.0
You have to remember, kapag dito tayo ay Gen X,
04:53.0
nasa stage tayo ng buhay natin na ito yung may pinakamalaki tayong kinikita.
04:59.0
And a lot of people are actually very tempted na ang gagawin nila ay
05:03.0
ilalagay nila sa high yielding pero higher risk din ng mga investments.
05:09.0
So i-resist natin yung temptation na yun and we go for diversification
05:14.0
because pag diniversify natin yan, we are able to protect our investment more
05:19.0
and we will be able to build our retirement portfolio.
05:23.0
So para sa mga Gen X, diversification naman ang purpose ng pag-iinvest sa fixed income securities.
05:30.0
And kapag ikaw, katulad ng mga parents ko, mga baby boomers,
05:36.0
from 1946 to 1964, bakit ka naman papasok sa fixed income securities?
05:42.0
Because you want to preserve the capital of your hard-earned money.
05:47.0
So yung hard-earned money mo yun ay yung capital mo.
05:49.0
And if you invest in fixed income securities, it will provide you with a steady stream of income
05:55.0
during retirement and usually this is a replacement for your paycheck.
06:01.0
In relation to our time deposit, meron po tayong SEDP Co-op Time Deposit Joint Venture Savings Basket.
06:08.0
Ano ba itong Co-op Time Deposit Joint Venture Savings Basket?
06:13.0
So ito po ay pinagkupul natin yung pera natin and then we place our time deposits
06:19.0
in several cooperatives. So in this case, example natin, Co-op A up to Co-op F.
06:24.0
So we put all our time deposits there. Pagkahaluhaluin natin siya.
06:29.0
And what happens is, we are now going to deposit this in a Joint Venture Savings Basket
06:35.0
which we will professionally manage as SEDP Co-op.
06:39.0
And then yung invest naman natin siya in our 5-year or more na time deposits na yan.
06:47.0
At yung earnings nito ay ibibigay natin sa mga members natin.
06:53.0
Ipapass on natin yan sa kanila.
06:56.0
So yun pong Time Deposit Joint Venture Savings Basket natin,
07:00.0
ang terms and conditions niya, this is open to all SEDP members.
07:04.0
Minimum po ay Php10,000. Maximum ay Php1,000,000.
07:10.0
Ang dividend payout po ay annual.
07:14.0
At ang return po natin dito, ang estimate natin ay nasa 4-6% per annum
07:19.0
based on the basket of Co-op's performance.
07:23.0
Yung Time Deposit Joint Venture Savings Basket natin,
07:26.0
ang payouts natin dito sa wallet natin hindi po yung nag-earn.
07:30.0
May holding period tayo na 5 years, 3% ang pre-termination fee, 2% ang annual management fee.
07:39.0
Nakukuni na po yan doon sa interest na makukuha natin.
07:42.0
Wala po itong guarantee and if a Co-op closes down, our joint venture savings might decrease.
07:50.0
So yung pong SEDP Co-op Joint Venture Basket natin as of 2021, just an example.
07:57.0
So Co-op A, for example, naglagay tayo ng 5% dyan, Php10,000,000.
08:01.0
So kumita ng dividend na Php500,000.
08:04.0
So ilalagay natin lahat yan.
08:06.0
For example, ang total natin ay Php50,500,000 ang ating na-invest dyan.
08:13.0
Php3,500,000 yung kinita noong ating Joint Venture Savings Basket.
08:18.0
So time deposit na nilagay natin sa iba't-ibang mga kooperatiba.
08:23.0
So yung Php3,500,000 na yan divided by Php50,500,000, ito ay nag-yield ng 7.06%.
08:36.0
Tatanggalin natin yung management fee na 2%.
08:39.0
So ang effective na interest rate po natin o dividend rate natin dyan ay 5.06%.
08:47.0
Kung may average daily balance tayo ng Php100,000 times 5.06,
08:51.0
kikita po ng Php5,060 sa taon na yun yung ating Php100,000.
09:00.0
So yan po ang ating SEDP Co-op Joint Venture Savings Basket.
09:05.0
So kung gusto nyo po na magpamiyembro dyan, pumunta lang kayo sa bit.ly
09:11.0
or iscan nyo po yung QR code na nagpapakita sa ating screen ngayon.
