* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in
the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider
becoming a patron
to support these video transcriptions, and the other tools and apps built by Tagalog.com
00:00.0
Fixed Income Securities.
00:03.2
So ano-ano ba itong mga Fixed Income Securities natin?
00:06.8
Yung Fixed Income Securities kasi, ito yung mga investments natin na medyo on the safer side siya.
00:16.9
So these are investments na they provide a stream of fixed periodic returns.
00:23.5
So usually interest and some are dividends.
00:26.8
So examples, yung time deposit natin, pag-ibig MP2, bonds, money market funds, or preferred stocks.
00:33.1
These are all Fixed Income Securities.
00:38.1
So kung papasok tayo sa investment purpose natin at papasok tayo sa Fixed Income Securities,
00:48.3
kung ikaw ay zoomer, so this is Fixed Income Securities are good for you to start your investment.
00:56.8
And these are usually kasi safer.
01:01.1
Kaya maganda na dito ka magsimula.
01:05.3
Kung ikaw naman ay millennial, this is a reliable way to secure your money to buy a house or build an education fund of your children.
01:15.2
Kasi usually itong mga millennials, yung mga nasa 30s nila or early 40s.
01:24.1
And kapag ikaw naman ay general,
01:28.8
for investment diversification to balance risk and return and to build your retirement portfolio.
01:36.5
Pwedeng yung Fixed Income Securities yung titignan natin dyan.
01:39.8
And kapag tayo po ay boomer, 1946 to 1964,
01:45.1
maganda rin na pumasok tayo sa Fixed Income Securities to preserve capital and provide steady stream of income during retirement.
01:54.0
So yan yung investment purpose.
01:59.1
So, in terms of time deposits,
02:03.0
time deposits natin
02:08.7
o kaya sa kooperatiba. So,
02:11.8
lalagay mo yung deposit sa kanila
02:16.8
kung kailan mo siya i-withdraw.
02:18.7
So, 3 months, may 30 days,
02:20.5
may 7 days, yung iba. Tapos yung iba
02:22.3
naman, as long as 7 years.
02:25.3
ang hindi alam ng iba, pwede mo
02:27.9
namang i-preterminate yung time deposit mo
02:30.1
at preserve pa rin yung
02:32.0
amount na nilagay mo.
02:33.8
So, it can be withdrawn anytime
02:35.4
and the capital, principal, or corpus
02:38.1
is preserved. Bababa lang
02:41.7
At yung interest na yun, napipenalize ka
02:44.2
which is usually 10 to 50 percent
02:47.8
Exclusive of the corpus.
02:49.5
So, preserve yung pera mo, tapos yung interest
02:51.5
usually babalik sa regular na
02:55.3
Okay. So, ito yung mga
02:57.3
interest rate ng mga
02:58.9
banks. I think I got
03:03.0
last year. So, maybe
03:05.3
it's still the same kasi hindi naman
03:08.7
laki yung difference
03:12.3
macroeconomic indicators natin.
03:15.6
So, ang pinakamatasan
03:17.3
nakita ko ay Uno Bank.
03:20.2
Yan, nasa 5.2 siya.
03:21.6
Hindi ko alam kung okay
03:25.3
Mukhang promo yan last time.
03:32.2
to 100,000 pesos, Uno Bank
03:34.3
yung malaki yung interest.
03:36.7
Okay. Net of taxes
03:38.3
na yan. And then,
03:45.0
ang lumalabas ay tonic.
03:46.9
So, kung mapapansin ninyo,
03:48.2
yung mga commercial banks, talagang
03:50.0
maliit yung kanilang
03:52.0
mga returns na binibigay.
03:55.3
Tapos, dito naman sa
03:59.5
banks. Ayan. Ito yung
04:11.8
Pag regular savings
04:15.8
yung pinakamalaki.
04:27.8
may promo. Pero actually, nakikita ko rin
04:30.6
yung Maya Savings ay
04:34.6
12% eh. Parang ganyan.
04:36.7
Pero ang dami mong mga kailangan gawin
04:38.3
to be able to get the 12%.
04:40.5
Tapos, one time mo lang siya makukuha for
04:44.7
kaya magingat din tayo
04:46.4
sa mga ganun. Okay.
04:48.8
And then, ito naman yung mga
04:50.5
interest rates from
04:52.2
cooperatives. So, makikita nyo
04:54.9
itong mga cooperatives na ito. These are the cooperatives
04:57.3
that I personally invest
05:01.1
pwede po kayong dumiretsya sa kanila.
05:05.0
our member relations officers kung gusto
05:07.2
nyo na dumiretsya sa kanila and we'll give you the
05:09.0
contact details, no?
05:13.1
to 100,000, yung panabong
05:15.0
multipurpose cooperative yung pinakamalaki
05:17.3
dito which is 5.25%.
05:21.0
1 million naman is yung
05:24.9
Savings Cooperative, which is
05:32.7
savings deposit from banks
05:35.4
and from cooperatives.
05:39.3
naman po, nako, yan ah.
05:41.0
Actually, kakabigay na naman ng award sa atin
05:43.3
ng pag-ibig kasi nga
05:44.8
super promote tayo sa kanila.
05:47.3
So, at ano, natutuwa ko na
05:49.5
yung mga kaibigan ko rin, no?
05:50.7
Na college friends.
05:52.4
Uy! Napanood ko yung video!
05:54.9
Mo! Salamat, may MP2
05:56.9
na ako ngayon, di ba? Nakakaali mo.
05:59.5
Okay. So, yan yung
06:00.7
MP2 natin. Tax-free
06:03.1
yan. Long-term savings, 5 years.
06:05.4
At ito yung dividend rates
06:08.8
na-launch siya noong 2010, no?
06:11.1
So, if you check,
06:13.3
if you see it, no?
06:15.5
Nag-hover siya ng
06:18.6
in the past 5 years.
06:20.6
I think for 2023,
06:25.2
din po malamang yan, no?
06:34.5
Si Lilibeth magmamature na
06:41.5
O yung isang kaibigan ko din, eh,
06:43.0
na nag-text sa akin kanina.
06:44.5
Sabi niya, Sir, ano bang ginawa mo
06:48.5
nung nag-withdraw ka? Anong nag-mature na?
06:51.4
Yung sa akin nung nag-mature na,
06:54.9
na i-deposit nila sa bank account mo.
06:57.1
Pero, land bank lang na bank account.
06:59.7
Eh, wala akong land bank na bank account.
07:02.4
Check, eh. Tapos, pinick up
07:06.8
Saan ba pwede magbukas ng MP2?
07:11.1
sa virtual pag-ibig, sa employer,
07:13.0
mag-coordinate lang tayo sa
07:14.4
HR ninyo. And then,
07:18.8
kami, sa member relations officers natin,
07:20.9
kasi accredited collection agent po tayo.
07:24.9
Another form of, ano din, no?
07:28.8
savings, yung sa atin.
07:30.9
Yung joint venture savings
07:36.2
joint venture savings natin,
07:39.8
yun. Ito, ang kaibahan
07:40.9
kasi nila, nakaka-choose ka, eh.
07:42.8
Kung ano yung gusto mong
07:44.1
socially responsible investment, no?
07:47.5
I'm assuming, marami
07:50.1
SEDP co-op members na, no?
07:52.8
So, yung, pwede niyang
07:54.7
working capital, share capital, o kaya
07:56.6
real estate, ah, joint ventures.
08:00.8
Nandyan, nagawa mo yung listahan
08:02.8
ng mga returns? Hindi ko...
08:05.2
Ay, hindi mo nakaka.
08:10.2
Sabihin mo lang sa akin kapag ready ka na.
08:12.8
Ah, so yun, no? Yung
08:14.2
joint venture savings natin, hindi siya
08:16.6
interest-based. Ah,
08:19.3
mas dividend yung tinitignan natin,
08:21.0
which is another way of saying
08:22.9
ng profit, eh, or
08:24.4
loss, ah, sharing, no?
08:26.5
At usually, at par naman tayo with
08:28.4
bank deposits and T-bills,
08:30.9
okay? Pero, yun talaga,
08:33.1
may possibility of
08:34.5
capital loss, no? Walang
08:36.2
guarantee dito. And, yun, gusto ko
08:38.6
lang, ano, no? For,
08:40.9
ah, ano pa alam nito? For
08:44.5
For, ah, yung, since ni-launch natin
08:50.6
I think, mga nasa 284,000,
08:54.4
na portfolio natin,
08:59.9
Red Slab Pottery, at ang
09:02.2
involved po ay nasa 450,000.
09:06.3
hindi pa rin talaga
09:07.2
maiiwasan. Meron talaga
09:10.3
pa rin, ah, losses, ano?
09:12.5
Ah, pero dapat hindi tayo pangihinahan.
09:14.5
Pero, ako, proud kami, no? Kasi
09:18.2
over the 280 million pesos
09:28.4
Um, so if you want to get the list
09:30.5
of, to check out, no, ano yung mga
09:32.4
high-yield joint venture savings
09:34.4
natin, you can visit
09:37.7
SEDPSRIs. Okay? Or
09:40.3
yung QR code natin dyan.
09:44.3
pagpapasok tayo dito,
09:46.1
usually, dapat ay
09:47.8
pang long-term life goals natin siya,
09:50.4
no? At, ah, this is for
09:52.1
ah, social investment.
09:54.4
And, ah, this is on a
09:56.0
first-come, ah, first-served
09:59.9
Ayan. Okay. So, ito yung
10:02.0
available natin. So,
10:06.3
yung, ah, SEDP Social
10:07.9
Microfinance natin.
10:12.0
And then, may nakapromo ngayon na SSM6,
10:14.4
tama ba, Flo? Yes.
10:16.6
9%. Hanggang kailan to?
10:20.5
February. Oh, meron pa
10:24.3
year ngayon, no? 19 days. Yes, on the
10:26.2
29th ang end natin.
10:28.7
Meron pa yung 19 days bago
10:32.3
Ang climbs din, okay?
10:36.4
And then, Marzan 1A,
10:40.8
yung projected namin for
10:42.3
this year. Pero hanggang 15%
10:44.7
yan. If you go for the long-term
10:46.3
for this one kasi,
10:48.2
ah, pwede siyang umabot ng
10:50.3
15%. That's what I'm
10:52.3
conservatively, ah,
10:54.3
ano, no, projecting. Kasi,
10:55.9
rental property po ito, eh.
10:59.1
And every two years, we
11:00.4
increase our, ah, rent.
11:02.8
Pero yung ating amount na nilagay
11:04.7
doon stays the same. Kaya,
11:06.2
eventually, it will, um, increase, no?
11:09.1
Dapat nga ngayon, mga nasa
11:10.6
8 na yan, eh. Nastall
11:12.5
talaga tayo ng pandemic.
11:14.4
Hindi tayo nagtaas ng, ah,
11:16.3
parang nag-skip tayo ng isang cycle in terms
11:18.3
of increase. Ito lang ba yun?
11:20.9
Um, and then, we also
11:22.6
have yung ating mga job,
11:24.3
joint venture for, ah,
11:26.0
baskets. Baskets, oo.
11:28.2
So, ayan siya. Medyo variable
11:30.5
ito. Kasi yung time deposit basket,
11:32.4
for example, we place time deposits
11:34.5
in various, ah, cooperatives.
11:37.2
Tapos, kukunin natin yung
11:38.5
average nun. Ah, yun yung
11:40.9
i-ano, yun yung i-de-distribute.
11:43.7
So, ang benefit naman nito,
11:44.9
usually kasi, ino-open lang
11:46.8
natin siya at 10,000 pesos.
11:48.9
You can already join that.
11:51.0
Pero kung, kunwari, 10,000
11:52.8
pesos, tapos dumirekta,
11:54.2
kasi, yung time deposit,
11:54.3
sa kanila, that will attract, ah,
12:00.5
mahihila ka, kumbaga.
12:02.5
Kasi para tayong nag-group,
12:04.2
pinupool natin together yung savings natin.
12:07.0
We place it there.
12:08.4
Ah, so, kukwari, nakapool tayo ng
12:10.3
4 million pesos. Yung highest
12:12.4
na interest rate yung makukuha natin
12:16.5
yun. So, sa share capital,
12:18.6
may basket din, ah, real
12:20.3
estate basket. So, yung real estate,
12:22.2
yung iba-ibang mga property
12:24.2
natin, ah, yun yung mix
12:26.0
niyan. And then, yung working capital din.
12:28.9
And then, abangan po nila,
12:30.6
um, every week, we
12:32.1
will be launching new
12:34.3
joint venture savings.
12:38.8
meron pang slide na isa na.
12:40.2
Doon yung, ano, returns or abangan
12:42.1
na lang ba nila? Kung
12:43.7
kailan yun? Sige, sige. Pakita mo nga.
12:46.4
Pakita muna kasi nandito na sila, eh.
12:49.9
Uy, may ma-affiliate.
12:51.7
May ma-affiliate pa pala. Okay. May natitira.
12:54.2
Oo. Meron pang natitira.
12:56.2
For working capital naman ito.
13:03.4
And then, oo, I find.
13:05.2
Yung one, yung first na
13:08.2
iteration natin, magkano yung returns
13:14.4
I-check ko pa kung ilang
13:20.1
so, yan. Yan yung mga abangan ninyo.
13:22.3
Ako, mag-ready na kayo ng cash nyo. Eh, mayroon.
13:24.2
Mayroon pa namang retail treasury bill na parating
13:26.3
ngayong, ano, February 13. Mamaya,
13:28.3
i-discuss ko yan. Oo. So,
13:34.4
um, yan yung ating
13:36.1
mga, ano lang, no, mga
13:38.0
joint venture savings.
13:40.8
Okay. Ito na. So, yung retail
13:42.1
treasury bond naman natin.
13:46.8
So, retail treasury bond.
13:48.1
Abangan nyo lang po kasi
13:49.2
this coming February 13,
13:54.2
Offer ulit, no, yung
13:55.6
Bureau of the Treasury
13:57.5
ng Retail Treasury Bond natin.
14:02.0
yung gobyerno po, yung
14:03.7
mangungutang sa atin, no.
14:05.7
So, because of that, it's
14:07.5
backed by the full taxing power
14:10.0
and ability to print money of the
14:12.1
government. So, 100%
14:17.6
So, ang minimum investment po dito
14:19.7
ay 5,000 pesos and then
14:21.6
in multiples of 5,000 thereafter.
14:24.2
And it's 100% government
14:26.3
guaranteed. So, yung retail
14:28.2
treasury bond, um,
14:30.8
nung na, simula ko siyang
14:32.1
train up, kasi simula kong nag-retail
14:33.9
treasury bond ay RTB25.
14:36.8
Dati kasi ay dun ako
14:38.2
sa traditional, yung
14:40.0
malakihan, pero sabi ko mas madali
14:42.1
itong RTB na pag-invest
14:44.1
na. So, RTB25, yan yung
14:46.1
mga interest rates.
14:48.2
So, 2 per 2.37. Yung net,
14:50.1
yung tignan natin, kasi may tax pa yan eh.
14:54.2
0.9%. So, yung RTB29,
14:56.8
which was last, I think, August
14:58.2
or September last year.
15:00.6
Ang interest niya ay 6.125,
15:03.6
20% na withholding tax, kaya
15:06.0
4.9 lang yung makukuha.
15:08.3
I'm, kung kino-compare
15:11.9
this, ano din, around this rate
15:14.2
din yung magiging retail
15:15.4
bond natin. Kasi, chineck ko yung
15:18.0
prevailing na treasury bonds
15:20.3
last August, September,
15:22.3
at saka yung ngayon. Hindi naman,
15:24.2
ganun kalayo. So,
15:26.2
tingin ko mga, at best,
15:28.1
6.5 yan. At least,
15:32.0
interest niya. So,
15:35.7
5 point something yung pwede
15:37.9
natin makuha sa retail
15:40.0
bond. So, ayan ha, February
15:41.8
13, imark nyo na sa calendar
15:48.0
pwedeng kumuha yan? Ang paborito ko na
15:49.8
pinagkukunan ay dito sa
15:55.5
Kung gusto nyo makita yung specific instructions
15:58.3
niyan, i-google nyo na lang yung pangalan ko.
16:00.2
Vince Rapisura, bonds.ph
16:05.8
Lalabas doon yung mga videos
16:07.6
where I teach how to invest
16:09.8
dito sa retail treasury bonds.
16:12.5
So, pwede rin dito sa Bureau
16:14.1
of the Treasury at saka sa Overseas Filipino
16:16.1
Bank, but I haven't tried it.
16:19.8
Ang natry ko din ay
16:23.2
sa mga commercial
16:27.4
banks. So, pwede din doon mag-over the
16:29.4
counter ka or you call your branch
16:31.3
manager to do the transactions
16:36.4
So, yun. Yan yung retail
16:37.4
treasury bond. Yung retail treasury bond natin
16:41.2
based. And then, meron ding retail
16:45.3
nakadalawang iteration na yan.
16:49.7
medyo mababa yung
16:52.2
interest rate niyan. At saka
16:57.0
Yung RDB-2 ay tax-free
16:59.3
siya. So, hopefully
17:01.1
pag nagkaroon ulit ay
17:03.9
tax-free na lang ulit
17:07.2
siya sana para kung ano
17:09.2
yung interest, yun na yung net na makukuha natin.
17:12.1
So, we'll actually
17:15.4
Siguro gawin natin yan na assignment.
17:17.2
Mag-email tayo sa mga members
17:19.2
natin. I-announce natin na may retail
17:22.2
And then, we give them
17:26.0
videos and reading materials natin so they can
17:28.7
also participate. Itong
17:30.8
retail dollar bond,
17:32.7
usually, nasa mga
17:34.3
July, ganyan siya lumalabas.
17:37.3
So, abangan din natin.
17:39.9
Okay. So, ang RTB
17:41.0
and RDB, this is a program
17:42.9
of the government for small investors
17:47.0
may diversify yung investment natin
17:50.1
help in the economic recovery.
17:52.2
Hopefully, hindi po gamitin
17:54.8
sa corruption, no? Nakakakaba
17:57.1
itong gobyernong ito.
18:01.4
money market funds,
18:03.4
money market funds,
18:05.3
this is another form of fixed
18:07.0
income security. So, pulled ito,
18:09.9
pwede siyang commercial
18:10.9
paper, pwede siyang savings,
18:13.0
pwede siyang time deposits, no?
18:15.1
Inaayos siya ng mga banko
18:22.2
Ina-insure ng mga banko
18:28.5
Kaya, mas mataas yung
18:30.1
interest rate na nabibigay. So,
18:32.2
punta lang kayo sa banko, tapos
18:34.3
tanongin nyo sa kanila, may money market fund ba kayo?
18:36.2
O meron ba kayong special deposit account?
18:38.8
Pero, pag yun na naglagay tayo,
18:41.0
hindi po yan covered ng
18:42.1
PDIC. Pero mas mataas yung
18:44.0
rate na makukuha natin. About
18:47.1
Madadagdagan ng 0.5%.
18:52.0
stocks naman, okay? Yung preferred
18:55.6
these are also fixed income
18:58.0
securities, no? So, equity siya.
19:00.7
Pwede siyang i-trade
19:02.1
kapag listed, no?
19:06.8
Pero yung earnings are
19:08.1
not guaranteed and you have no voting
19:12.3
Pero kapag nagsara yung
19:16.0
babayaran mo na yung utang. Pag kabayad na yung utang,
19:18.5
preferred stockholders yung babayaran.
19:20.7
Pagka natapos na yung preferred stockholders,
19:22.0
then yung common stockholders
19:24.1
na yung babayaran, okay?
19:26.7
So, ano yung use of
19:27.9
fixed income instruments? So, regular income siya.
19:30.3
Protection against market volatility,
19:32.3
preservation of capital,
19:34.1
and highly liquid or
19:36.0
easily converted to cash.
19:52.0
I'm concerned about.
20:21.7
So, you know what?
20:21.8
So, you know what?
