Vince Rapisura 2679: Huwag Mag-Invest sa Dollar Kung Wala Ka Nitong 4 na Bagay!
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00:00.0
Bago po kayo pumasok sa US dollar investing,
00:04.1
dapat sagutin natin itong ating pre-investment checklist.
00:07.4
Unang-una, meron na ba kayong emergency fund?
00:11.1
Ang suggestion ko po ay, yung emergency fund ninyo,
00:13.7
ito pong dapat currency niya, ay kung saan kayo nakatira.
00:17.6
Kung nga rin dito sa Pilipinas,
00:18.9
din dapat ang peso denominated ang ating emergency fund.
00:22.9
Kung ikaw nasa Rome, aba, edi Euro.
00:25.9
Dapat goal ay one year of your income.
00:29.6
Kung ikaw po ay kumikita ng say, 50,000 pesos per month.
00:33.9
So 50,000 times 12, that's about 600,000 pesos.
00:38.5
Ang pinaka-minimum ko, dapat na itinatabi natin,
00:41.7
Yan yung pinaka-bearish minimum.
00:43.1
Pero ang pinaka-goal sana ay one year.
00:46.1
Bago pa tayo mag-invest-invest sa US dollar na yan,
00:48.8
bago pa natin yan iisipin,
00:50.8
ang kailangan natin tignan ay,
00:53.1
mayroon ba tayong emergency fund?
00:54.8
Kung wala pa po tayong emergency fund,
00:56.4
e wag muna natin isipin yung US dollar investment na yan.
00:59.8
Emergency fund muna.
01:01.7
Pangalawa ay ang SSS contribution natin.
01:04.9
Naka-maximum ka na ba sa salary credit dito sa SSS contributions natin?
01:11.9
For 2023 and 2024, ang maximum salary credit po ay 30,000 pesos.
01:18.2
At ang contribution po niyan ay nasa 4,200 pesos per month.
01:23.1
Ngayon, kung hindi ka pa nandoon sa maximum,
01:26.7
I suggest na dapat ito muna yung unahin mo
01:30.8
bago ka mag-isip ng kung ano-ano pang investment.
01:33.9
Dahil, ito pong SSS natin,
01:36.9
pang retirement natin yan,
01:38.4
at kahit ano pang private retirement pension product
01:43.0
ang titignan natin,
01:44.5
wala pong tatalo sa SSS
01:46.8
sa benefits na makukuha natin
01:49.2
at sa pension na makukuha natin
01:51.2
kumpara doon sa inilalagay natin contribution.
01:57.7
kung hindi mo pa alam ang ibig sabihin ng WISP+,
02:00.8
nakunahin mo muna yan bago ka mag-isip-isip ng dollar investing.
02:06.6
Workers Investment and Savings Program Plus.
02:10.4
Ito yung ating third layer ng ating SSS retirement building blocks.
02:15.1
Meron tayong regular, WISP, and then WISP+.
02:18.6
Ano yung target natin dito?
02:20.8
0.5 months per year of work.
02:24.0
Dapat yun na yung amount ng WISP+.
02:26.6
ako ay nagtatrabaho na ng 20 years.
02:30.2
So 0.5 months of my salary is,
02:33.5
for example, my salary is 200,000 pesos.
02:36.1
So 100,000 pesos yun, yung 50% nun,
02:39.7
times my years of work.
02:41.7
So 100,000 times 20 years is about ilan yun?
02:48.4
So dapat meron na akong 2 million pesos sa aking WISP+,
02:51.7
bago pa ako mag-isip-isip ng mga dollar-dollar investing na yan.
02:56.6
Dapat meron na rin po tayong pag-ibig MP2.
02:59.8
Ideally for me ha,
03:01.0
ang pag-ibig MP2 naman natin should be
03:03.1
1 month equivalent for every year of work.
03:06.4
Magkano yung monthly income mo times age minus 21.
03:10.6
So yung 20 years times 200,000,
03:13.3
kung yun yung sinesweldo ko,
03:14.7
dapat 200,000 times 20,
03:16.9
meron akong 4 million.
03:18.2
Dapat inuuna natin itong mga tax-free
03:21.9
at saka mga high-yielding government programs natin.
03:26.3
Kasi ito po ay secure na secure,
03:28.3
tax-free na high-yielding pa.
03:30.3
Kasi tayo mahilig tayo sa mga exciting na mga investment.
03:35.0
Naku, kapag kayo po na-excite sa mga investment,
03:38.5
ibig sabihin po niyan ay medyo ginagamitan niyo siya ng emosyon.
03:42.5
Kasi ang pag-iinvest po talaga dapat boring.
03:46.1
Dahil ako po naniniwala na ang pinaka-mabilis na paraan na pag-iyaman
03:51.0
ay kung tayo po ay magdadaan-daan.
03:53.6
Pang-apat, dapat po ay mayroon na tayong
03:56.1
health coverage, health insurance coverage,
03:59.2
medical insurance, besides PhilHealth.
04:02.9
Naku, sabi ni Edita,
04:06.0
interested siya na mag-invest sa US dollar,
04:09.5
kaya lang wala pa siyang emergency fund.
04:12.4
Okay naman yan, Edita, na ikaw ay interested.
04:15.7
Pero unahin niyo po muna ang ating emergency fund.
