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00:00.0
characteristics of
00:01.5
good investments.
00:07.5
ng, ano ba yung investment
00:09.5
muna? So ang investment actually
00:11.5
ito yung outlay ng
00:13.6
pera natin, usually
00:20.0
So ayan yung ano ng
00:21.0
Merriam-Webster. Sa Cambridge naman,
00:23.6
same din yung message
00:25.7
niya pero naglagay siya na hindi lang
00:27.7
money, effort and time din.
00:29.4
Tapos if you take a look
00:31.3
at other definitions,
00:34.4
may mga nagsasabi na
00:35.5
dapat, if we're investing,
00:37.6
we want to expect favorable
00:39.5
future returns. Although we know
00:41.6
that we might incur
00:43.3
losses, pero the expectation is for
00:51.4
pero syempre, hindi ko naman maiwasan
00:53.5
kasi ito talaga yung pinupush
00:55.4
natin, magkaroon ng
00:56.9
socially responsible investment.
01:00.0
definition, yung investment natin
01:02.6
kanina na it's about money,
01:06.3
we put this as inputs for
01:08.5
favorable returns, but
01:10.3
we always have to make sure
01:16.5
positive social or
01:18.6
environmental impact
01:20.3
alongside the favorable financial
01:22.5
return. So, di ba,
01:24.5
isa sa mga ayaw talaga natin ay
01:26.6
ikayayaman natin yung
01:28.7
paghihirap ng iba,
01:30.7
di ba? Ano po, hindi pwede yan.
01:33.4
Kasi, for example,
01:35.5
ngayon, actually,
01:40.1
relief operations
01:42.6
natin doon sa mga branches
01:44.3
natin sa Mindanao.
01:47.1
So, nag-ano na tayo,
01:48.5
nag-moratorium tayo ng mga payments
01:50.2
para sa mga members
01:54.3
ibang mga financial institutions,
01:56.4
the traditional, the conventional financial
01:58.3
institutions, ay nagcha-charge
02:00.5
pa rin ng interest for those days.
02:02.5
Tayo po ay wala. Kasi,
02:05.9
ikayayaman yung paghihirap
02:11.4
So, ano ba yung mga
02:12.5
investment misconceptions
02:14.3
natin, no? So, it's
02:16.2
maraming nagsasabi, ayaw mag-invest kasi it's
02:18.1
complicated, it's risky, it's
02:20.3
best left to professional fund managers,
02:22.7
so it's also the same
02:24.2
as gambling, and this is only
02:26.2
actually designed for the rich, para
02:28.2
sa mga may pera lang yan, no?
02:30.1
And, this is time-consuming.
02:32.9
So, actually, ang sagot
02:34.2
natin dyan ay, itong complicated,
02:36.7
risky, mga same as
02:38.2
gambling, ay napag-aaralan naman yan
02:42.8
natin yung complications
02:44.1
and yung mga risks na yan.
02:46.4
Tapos, itong designed only
02:48.3
for the rich and time-consuming,
02:50.3
ayan, napagtutulungan niyan, no?
02:52.1
Huwag mo kasing suluhin na ikaw lang yung
02:53.7
nag-aaral tungkol sa
02:55.4
investment. Involve mo yung family mo,
03:00.6
designed only for the rich.
03:02.2
So, admittedly, tayo, lalo na yung mga
03:04.2
said to the co-members, no? Hindi naman talaga tayo
03:06.2
mayayaman lahat, pero
03:07.9
we come together so that we can
03:10.2
invest together, no?
03:12.4
And we would be able to get
03:14.0
better financial returns. Kaya,
03:16.4
ang pag-iyaman na pag-aaralan at
03:18.1
napag-tutulungan.
03:20.1
So, ano ba yung mga, ano natin, benefits
03:24.5
So, ang benefits of investing,
03:28.2
able to generate income, no?
03:30.4
For you, and hopefully
03:32.4
mabit natin yung inflation
03:34.2
with our investments. And then,
03:36.8
is-strengthen natin yung purchasing
03:38.3
power ng pera natin.
03:40.5
At, sa totoo lang ito, no?
03:42.5
Actually, medyo controversial ito, eh.
03:44.4
Kasi, yung mga investors, mas mababa
03:46.5
yung tax rates nila, usually,
03:53.5
nagtatrabaho. So, may tax benefits siya.
03:56.9
Pero para sa akin,
03:58.2
dapat ipareho lang siya, no? Para
04:01.5
social development ng gobyerno.
04:06.8
makaka-afford din tayo
04:08.4
ng higher standards of living, no?
04:10.4
If we, if our investments
04:12.5
work for us. Ultimately,
04:14.6
it leads to financial
04:18.8
mayroon po tayong tatlong categories
04:20.8
of investment, no?
04:23.1
Yung tatlong categories natin
04:24.9
ng investment, so we have lending,
04:28.2
at saka entrepreneurship, no?
04:30.3
Establishing your own business.
04:33.0
So, dito sa lending
04:34.6
investments, ito, tayo ay
04:36.8
nagpapautang, no?
04:38.6
We lend our money to an individual
04:40.7
or an organization.
04:42.9
In return, we get interest
04:45.0
or income. So, ano yung mga
04:46.7
examples nito? We have our savings accounts,
04:49.6
time deposits, money market
04:51.3
accounts, mga debt obligations,
04:55.3
So, these are just examples.
04:57.1
And then, we have,
04:59.1
investments. Itong ownership
05:01.1
investments natin, it entails
05:03.3
becoming an owner, pero
05:04.9
hindi natin nirerun yung
05:07.2
business, no? So, we're an investor.
05:11.0
when we can invest in the
05:15.3
either in part or
05:16.9
in whole, okay? So, ano yung
05:19.3
mga examples natin dito? Meron tayong
05:22.9
land banking, real estate
05:25.2
management, and joint
05:28.2
Okay? And then, the third
05:31.8
third category of investment
05:33.5
would be entrepreneurship, no?
05:35.8
Yung pagnenegosyo mismo.
05:37.9
So, we're, ito yung proseso
05:39.8
na magdesign tayo, magla-launch
05:41.8
at magra-run ng business
05:43.8
venture in the hope na mag-generate
05:47.4
returns, no? And, uh, ito,
05:50.2
it's not just the capital that we
05:51.8
are infusing, pero
05:53.7
kailangan na dyan yung market opportunities,
05:56.3
meron tayong produkto,
05:58.0
nabibilihin ng, uh, market
06:00.0
and we're able to manage our
06:01.8
resources, uh, effectively
06:03.7
para tayo ay kumita.
06:07.9
uh, these are our, um,
06:10.1
steps in investing.
06:12.0
Okay? Kapag may mga tanong po kayo,
06:13.9
ano lang, ha? Um,
06:15.6
i-uh, uh, maglagay lang po
06:18.2
sa chat group or mag-raise ng hand,
06:20.5
i-assist po tayo ng
06:21.6
mga member relations officers natin
06:23.9
to, uh, i-call nila yung
06:25.8
ating attention for that.
06:28.0
Um, binibilisan ko itong mga
06:29.9
unang part na ito kasi ito yung medyo
06:34.1
So, steps in investing,
06:38.9
uh, the first step is
06:40.0
to invest in yourself and then we need
06:42.0
to create a financial plan.
06:44.5
Um, uh, we have to get
06:46.1
government-mandated, uh, benefits.
06:48.6
We have to save and get
06:49.9
insurance. Tapos, bago tayo
06:52.0
mag-invest, kailangan
06:53.9
ay pag-aralan muna natin, no? Research
06:55.9
before you, um, in
06:58.0
invest. Okay? And what do I mean
07:00.0
when I say, um, invest
07:02.0
in yourself? Okay? So,
07:04.1
we want to learn new things, no? Yun yung
07:06.2
uh, uh, uh, gusto
07:08.1
natin. Mag-invest tayo sa
07:09.7
kaalaman natin. And then,
07:12.1
we can also widen our
07:13.9
network, no? So, actually
07:15.9
ito yung medyo mahirap
07:18.1
sa webinars kasi, uh,
07:20.4
pool lang yung interaction, eh.
07:21.8
Kapag mga face-to-face kasi mayroong snack,
07:24.1
may lunch, nakakapag-interact
07:26.3
at nakakapag-connect. Mas nakakapag-
07:28.0
connect ang mga participants.
07:30.4
So, hindi ko pa na,
07:34.1
hindi ko pa nakakrack kung paano
07:36.0
mas magkaroon ng interaction yung mga
07:37.9
participants in a
07:39.9
short webinar, no?
07:41.9
Um, learn new skills.
07:43.9
Yan. Ito kasi for OFWs,
07:48.0
kailangan talaga kung gusto natin
07:51.9
Um, dun sa host countries natin.
07:54.3
And then, of course, lastly,
07:55.9
is to take care of your health. Marami
07:58.0
ang pera, hindi ka naman healthy,
08:00.1
malungkot pa rin, diba? So,
08:01.8
you really have to, um,
08:03.9
invest, um, on your health. Kaya,
08:05.7
ayan, happy-happy ako na nandito si doktora
08:08.0
kasi si doktora, uh,
08:10.6
Jennifer Ola, yan ang
08:11.7
nag-aalaga ng aking health.
08:16.5
So, the second, uh,
08:18.5
ano natin, ano, the second
08:19.7
step in investing is, uh,
08:21.8
to create a financial plan.
08:24.0
So, last November, I think
08:28.0
uh, training webinar on, uh,
08:30.5
financial planning.
08:32.0
So, ito lang yung mga steps niya.
08:33.7
Ipapadaan, um, dadaanan lang natin, no?
08:36.2
Um, you have to know where you,
08:38.4
where you are financially. So, ano yung
08:40.3
starting point mo para,
08:44.6
kung ma-assess natin kung,
08:46.3
kumbaga, ito yung parang diagnosis, eh,
08:48.3
ng, uh, ano mo, ng baseline mo
08:50.2
in terms of your, uh, financial
08:51.9
health. Okay? And then,
08:54.6
uh, magsiset ng life goals
08:56.2
and priorities. Then,
08:58.0
mag-de-decide tayo on a time frame
09:00.0
and a budget. We will match our
09:02.1
financial goals with source of income.
09:04.5
Tapos, i-implement na natin yung
09:06.0
ating, um, financial plan.
09:08.5
Okay? The third step in
09:10.0
investing, yun, sa government-mandated
09:12.2
benefits na natin. So,
09:14.5
ito nilalagay ko siya kasi,
09:18.6
yung government programs talaga
09:20.2
natin, ito yung foundational,
09:22.3
uh, structure, eh,
09:24.1
for our financial, uh, health,
09:26.2
no? So, yung PhilHealth,
09:28.0
natin, huwag natin siyang kakalimutang
09:30.3
bayaran kasi responsibilidad natin
09:32.2
yan, eh, tulungan natin yan sa lahat.
09:34.6
Um, kahit mga OFWs,
09:36.0
kasi parating tinatanong, sinasabi sa akin, wala
09:37.9
naman kami dyan, bakit kami magbabayad?
09:40.1
Eh, yung mga kapag-anak nyo po nandito, yun yung
09:42.0
essence ng universal healthcare. Ang bawat
09:44.1
Pilipino, saan man sa mundo,
09:46.3
ay tinutulungan in terms
09:48.1
of health, no? Yung pag-ibig
09:50.0
naman natin ay, uh, ito yung
09:51.9
ating, uh, savings program, no? So,
09:54.3
uh, foundation for savings din natin yan.
09:56.7
The same is true with the social
09:57.9
security system, that's for our
09:59.9
retirement pension, and then, uh,
10:02.3
OWA, para sa mga OFWs
10:04.3
for repatriation naman yan, no?
10:08.0
And then, the fourth, uh,
10:10.2
step, step natin in investing
10:12.1
is having adequate
10:14.1
savings and, uh, insurance,
10:16.0
no? So, sa savings, emergency
10:18.0
savings muna tayo, um,
10:20.3
ang emergency savings natin should be
10:21.9
equivalent to nine times of your monthly
10:24.1
expenses. So, uh, kung
10:26.0
ikaw ay, uh, bumagas
10:27.9
tos ng 100,000 pesos
10:29.8
every month for your,
10:33.8
expenses, no? Ay, uh,
10:35.6
900,000 ang kailangan na
10:37.7
emergency savings mo. And you can
10:41.8
emergency savings in various,
10:45.8
savings accounts. So, pwedeng mga
10:47.8
savings accounts with commercial banks na may
10:49.8
ATM or may online function
10:51.8
para kapag emergency, makukuha mo
10:53.8
kaagad. Uh, time deposit,
10:57.9
government, uh, bonds,
10:59.8
and, uh, money market fund or
11:01.9
bond fund. Yan yung mga pwede natin paglagyan.
11:05.8
And then sa insurance naman natin,
11:08.3
um, we always have to remember
11:10.2
na ang insurance po ay for
11:11.9
protection and hindi siya
11:13.9
for investment. Okay?
11:15.8
So, you have to consider the following.
11:18.3
Una is your general status
11:20.1
in life. Ano ba yung mga risks
11:21.9
na nafe-face mo? So, for example,
11:24.0
ako, uh, yung nanay at
11:26.1
tatay ko ay naoperahan na,
11:27.9
nasa puso. So, kumuha na talaga ako
11:29.8
ng critical illness, uh,
11:32.0
rider doon sa aking term insurance
11:33.9
that would cover cardiovascular
11:35.7
diseases. Kasi feeling ko talaga
11:38.0
darating din ako sa puntong
11:39.9
yun, no? So, i-assess
11:42.1
mo lang siya. Ano ba yung general status
11:44.1
mo? Risk that you're facing.
11:46.2
And then, kapag may dependence
11:47.8
ka, um, you need to get
11:50.0
uh, life insurance. No? Kung meron ka bang
11:53.9
uh, you need, uh, life insurance.
11:57.9
bang unencumbered assets? Ano yung
11:59.9
unencumbered assets? Kasi usually,
12:03.9
bumibili ng pagkadami-daming insurance,
12:06.0
pero madami naman pala silang ari-arian.
12:08.2
Kapag sila ay nawala,
12:09.8
pwedeng ma-dispose yung ari-arian to cover
12:13.5
needs of the remaining dependents.
12:16.2
So, yun yung unencumbered. Ang unencumbered
12:18.4
ay hindi na isang
12:19.8
la, ganon, no? Hindi siya
12:21.7
na ipangako sa iba, no?
12:23.8
Unencumbered assets. And then,
12:25.9
ano ba yung ating mga financial
12:27.9
goals and our capacity to
12:30.0
pay, uh, premiums? Okay?
12:33.8
insurance natin. And then,
12:36.0
lastly, uh, research
12:37.5
before you invest.
12:39.7
So, we have to read books, attend seminars,
12:44.3
ay nag-iinvest, ha,
12:45.8
huwag nating kukunin
12:47.8
at face value yung
12:49.8
mga binibigay na informasyon
12:51.9
nung nagbibenta ng investment sa atin.
12:54.1
So, we have to verify this with
12:55.7
independent sources and
12:57.7
disinterested parties. Mga disinterested
13:00.3
parties, ibig sabihin ay
13:05.4
organization. So, they can offer
13:12.2
non-subjective view, no?
13:13.8
Of the investment that you're, uh,
13:16.1
entering. And then, you can
13:18.0
also, uh, gather testimonies,
13:20.1
no? Makipag-usap ka sa iba
13:21.7
kung ano yung mga experience nila.
13:24.1
Okay? And, of course,
13:26.6
ang framework na gagawin,
13:27.7
yung mga gamitin natin for our
13:29.4
investments is the
13:31.7
SECCI investment framework,
13:33.9
no? And yung SECCI, of course,
13:35.6
S stands for secure,
13:37.8
E is uncashable or liquid,
13:41.7
factor. Dapat mayroong positive
13:43.8
social and environmental impact
13:45.7
yung investment natin. Or at least, hindi
13:47.6
nag-destroy sa environment.
13:51.5
ay yield or returns.
13:54.0
Okay? At ano yung ipaprioritize
13:57.7
SECS, no? Yung security and
13:59.8
cashability at saka yung X factor
14:01.6
bago natin iisipin
14:05.8
Okay? So, yan yung ating
14:09.6
investment, uh, framework.
14:14.3
I invite you to be
14:16.0
a SECCI investor.
