#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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Bago po kayo pumasok sa US dollar investing,

dapat sagutin natin itong ating pre-investment checklist.

Unang-una, meron na ba kayong emergency fund?

Ang suggestion ko po ay, yung emergency fund ninyo,

ito pong dapat currency niya, ay kung saan kayo nakatira.

Kung nga rin dito sa Pilipinas,

din dapat ang peso denominated ang ating emergency fund.

Kung ikaw nasa Rome, aba, edi Euro.

Dapat yan.

Dapat goal ay one year of your income.

Kung ikaw po ay kumikita ng say, 50,000 pesos per month.

So 50,000 times 12, that's about 600,000 pesos.

Ang pinaka-minimum ko, dapat na itinatabi natin,

three months.

Yan yung pinaka-bearish minimum.

Pero ang pinaka-goal sana ay one year.

Bago pa tayo mag-invest-invest sa US dollar na yan,

bago pa natin yan iisipin,

ang kailangan natin tignan ay,

mayroon ba tayong emergency fund?

Kung wala pa po tayong emergency fund,

e wag muna natin isipin yung US dollar investment na yan.

Emergency fund muna.

Pangalawa ay ang SSS contribution natin.

Naka-maximum ka na ba sa salary credit dito sa SSS contributions natin?

For 2023 and 2024, ang maximum salary credit po ay 30,000 pesos.

At ang contribution po niyan ay nasa 4,200 pesos per month.

Ngayon, kung hindi ka pa nandoon sa maximum,

I suggest na dapat ito muna yung unahin mo

bago ka mag-isip ng kung ano-ano pang investment.

Dahil, ito pong SSS natin,

pang retirement natin yan,

at kahit ano pang private retirement pension product

ang titignan natin,

wala pong tatalo sa SSS

sa benefits na makukuha natin

at sa pension na makukuha natin

kumpara doon sa inilalagay natin contribution.

Yung WISP,

target natin,

kung hindi mo pa alam ang ibig sabihin ng WISP+,

nakunahin mo muna yan bago ka mag-isip-isip ng dollar investing.

WISP stands for

Workers Investment and Savings Program Plus.

Ito yung ating third layer ng ating SSS retirement building blocks.

Meron tayong regular, WISP, and then WISP+.

Ano yung target natin dito?

0.5 months per year of work.

Dapat yun na yung amount ng WISP+.

For example,

ako ay nagtatrabaho na ng 20 years.

So 0.5 months of my salary is,

for example, my salary is 200,000 pesos.

So 100,000 pesos yun, yung 50% nun,

times my years of work.

So 100,000 times 20 years is about ilan yun?

2 million pesos.

So dapat meron na akong 2 million pesos sa aking WISP+,

bago pa ako mag-isip-isip ng mga dollar-dollar investing na yan.

Ha?

Dapat meron na rin po tayong pag-ibig MP2.

Ideally for me ha,

ang pag-ibig MP2 naman natin should be

1 month equivalent for every year of work.

Magkano yung monthly income mo times age minus 21.

So yung 20 years times 200,000,

kung yun yung sinesweldo ko,

dapat 200,000 times 20,

meron akong 4 million.

Dapat inuuna natin itong mga tax-free

at saka mga high-yielding government programs natin.

Kasi ito po ay secure na secure,

tax-free na high-yielding pa.

Kasi tayo mahilig tayo sa mga exciting na mga investment.

Naku, kapag kayo po na-excite sa mga investment,

ibig sabihin po niyan ay medyo ginagamitan niyo siya ng emosyon.

Kasi ang pag-iinvest po talaga dapat boring.

Dahil ako po naniniwala na ang pinaka-mabilis na paraan na pag-iyaman

ay kung tayo po ay magdadaan-daan.

Pang-apat, dapat po ay mayroon na tayong

health coverage, health insurance coverage,

medical insurance, besides PhilHealth.

Naku, sabi ni Edita,

interested siya na mag-invest sa US dollar,

kaya lang wala pa siyang emergency fund.

Okay naman yan, Edita, na ikaw ay interested.

Pero unahin niyo po muna ang ating emergency fund.