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00:00.0
The number four, match our financial goals with source of income.
00:05.8
Tatlong sources yan, employment, entrepreneurship, and investment.
00:10.3
Tapos kailangan natin tignan yung active income versus passive income,
00:14.3
characteristics of investments, tapos imamatch na natin siya,
00:17.4
yung financial goals with the source of income.
00:19.8
Tapos usually, ito pong pagmamatch talaga ng goals with source of income,
00:24.9
magugulo-gulo talaga tayo dyan.
00:26.7
Kaya nga, ang output lang natin for this session ay initial time frame lang.
00:31.9
Kasi, iterative talaga siya.
00:34.1
Tignan nyo nga yung financial plan namin dati, 20 years ago.
00:37.1
Every three years, kami magkakasasakyan.
00:39.5
Pero, nung nirevise na namin siya, after three years, ay nako, tanggal.
00:44.8
Naging every 10 years.
00:47.0
Tapos ngayon, ay nako, hanggang kaya.
00:51.4
Kung sa Ilocano pa, hanggang marunot.
00:53.2
Siguro kasi kapag bata ka, Sir Vince,
00:55.6
mata, malakas yung image.
00:58.7
Yung parang, ang dami mong gustong patunayan sa mga batch mo, sa mga kaibigan mo.
01:02.4
Pero, pag dumarating din yung time na, parang mas komportable ka na,
01:06.0
hindi mo na kailangan pa na magpakita ng kagandahan ng retirement.
01:10.4
Yung matiwasay na retirement, saan mang gagaling yung budget na 50,000 per month
01:15.4
na gagastusin mo pag ikaw ay nag-retire na.
01:18.4
15,000 galing sa SSS, tapos 35,000 galing sa rental property.
01:23.5
So, example sa rin, Sir Vince, yung 15,000, kasi,
01:25.6
for example, yan yung magiging pension mo.
01:27.3
Yes, oo. Yung 15,000 na pension mo sa SSS, yun yun, one portion.
01:32.1
And then, magpapatayo ka ng rental property.
01:34.4
At yung rental property na yan, magkakaroon ng 35,000 na monthly rental income.
01:39.7
15 plus 35, 50,000.
01:42.4
Sources of income, meron tayong active and passive income.
01:46.3
Active, salary, part-time, overtime, commission.
01:48.7
Kita sa negosyo na kayo ang nagpapatakbo.
01:50.9
Passive income, rent, interest, dividend, capital gains, royalty, at saka pension.
01:55.6
Para hindi na kayo mahirapan.
01:57.8
Ayan, meron na akong mga ginawang investment guide for life goals.
02:03.0
At niranking ko na siya.
02:04.7
Ano ba yung mga tingin ko na magandang investment for life goals?
02:09.0
Apat yung tinignan pang emergency, pang retirement, pang education, at saka housing.
02:14.7
Ang number one ko for emergency ay ATM at saka digital banks,
02:20.2
rural bank time deposit, pag-ibig MP2, government bonds,
02:25.6
co-op time deposit, at saka co-op share, kapital.
02:28.6
Pag-retirement, ang number one ko ay SSS plus WISP.
02:32.8
Number two ay pag-ibig MP2.
02:35.3
Number three, rental property.
02:37.7
Number four, co-op time deposit.
02:40.3
Niraranking ko siya.
02:41.7
Kung education, pag-ibig MP2 yung number one ko dyan.
02:45.9
Co-op time deposit yung number two.
02:47.9
Rural bank time deposit yung number three.
02:49.9
Kung titignan ninyo dito, pang retirement, walang ranking yung ATM digital.
02:55.6
Hindi nyo pang retirement.
02:56.6
Hindi nyo pang retirement.
02:58.6
Number one, pag-ibig MP2.
03:00.6
Number two, co-op time deposit.
03:02.6
Rural bank time deposit.
03:04.6
Number three, number four, government bonds.
03:06.6
Number five, money market.
03:08.6
You get the idea.
03:10.6
Ang maganda dito sa guide mo, Sir Vames, meron silang mga options sa titignan
03:14.6
at na-prioritize na kung ano sa palagay mo yung better options for you.
03:19.6
At kung makikita nyo dyan, wala pong VUL, walang stock market, walang cryptocurrency.
03:24.6
Kasi alam nyo naman po, hindi ko yun bet.
