#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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Preferred stocks, ito ang ating panghuling type of fixed income investment.

Ang preferred stock, ito po ay isang type of equity security.

Yung isa kanina bond, liability naman yan, utang.

Itong equity ay nagiging kamay-ari tayo.

So we share also in the losses, not just in the profits.

Preferred stocks, they have higher claim on the company's earnings and assets versus common stocks.

Meron po kasing dalawang general classes ng mga stocks.

Meron tayong tinatawag na common stock at saka preferred stock.

Yung common, pareho kayong nagmamay-ari ng kumpanya doon dahil pareho kayong stockholder.

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.

So anong ibig sabihin yan?

Kapag mag-distribute ng income, babayaran muna ang mga preferred stockholders.

Pagkatapos ang bayaran ng preferred stockholders, saka pala makakatanggap ang mga common stockholders.

Ganon din kapag nagsara ang kumpanya. Kapag nagsara ang kumpanya, ili-liquidate ito.

Ang mauunan muna nang babayaran ay ang mga debtors, ang mga creditors.

So yung mga creditors, pagkahati-hatian nila yung assets ng kumpanya.

Kung mayroon pang matitira after masatisfy lahat yung mga creditors, sa preferred stockholders muna makupunta yun.

Pagka na-satisfy yung preferred stockholders, saka pala may makukuha yung mga common stockholders.

So earnings for preferred stocks are not guaranteed, unlike sa bonds na ito ay guaranteed.

Pero ang preferred stocks, owner ka nga pero wala kang voting rights.

So yung common stocks, yan naman yung kanyang benefit. Mayroon siyang voting rights.

So saan natin magandang gamitin ang fixed income instruments or fixed income securities?

Ito po kasi ay nagbibigay ng regular income. Although mababa, pero at least may regular ka na makukuha.

So if you've already built your retirement portfolio tapos nagretire ka na,

maganda na inilagay mo na ito sa fixed income instruments to be safer

and then just earn from the dividend or interest that you earn from it.

It's also a good hedge or protection against market volatility. Yung pagtaas at pagbaba ng market.

Kaya maganda po itong fixed income instruments. It also preserves our capital.

Hindi nababawasan yan usually except for the preferred stocks na pwedeng mabawasan ang capital natin.

And this is highly liquid because it's easily converted to cash.

So yan po ang ating discussion on fixed income securities.

Ako po si Sir Vince, ang inyong financial guro. Nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.

At tayo ay kabilang sa tinatawag na Gen Z. Yung mga pinanganak noong 1997 to 2012.

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, very safe investments.

So kapag 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, pagpapatayo ng bahay,

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.

You have to 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, mga baby boomers,

from 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 and usually this is a replacement for your paycheck.

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 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 yun pong Time Deposit Joint Venture Savings Basket natin,

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

Minimum po ay Php10,000. Maximum ay Php1,000,000.

Ang dividend payout po ay annual.

At ang return po natin dito, ang estimate natin ay nasa 4-6% 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 5 years, 3% ang pre-termination fee, 2% ang annual management fee.

Nakukuni 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 pong SEDP Co-op Joint Venture Basket natin as of 2021, just an example.

So Co-op A, for example, naglagay tayo ng 5% dyan, Php10,000,000.

So kumita ng dividend na Php500,000.

So ilalagay natin lahat yan.

For example, ang total natin ay Php50,500,000 ang ating na-invest dyan.

Php3,500,000 yung kinita noong ating Joint Venture Savings Basket.

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

So yung Php3,500,000 na yan divided by Php50,500,000, 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 ng Php100,000 times 5.06,

kikita po ng Php5,060 sa taon na yun yung ating Php100,000.

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

or iscan nyo po yung QR code na nagpapakita sa ating screen ngayon.