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00:00.0
investment purpose
00:02.0
natin. Pag-purpose yung
00:04.0
pinag-uusapan natin, actually,
00:06.6
ang pursuit naman
00:07.9
ng pagiging buhay natin ay para
00:09.8
maging masaya, diba? At
00:11.9
yung pagiging masaya,
00:15.9
nagiging source din tayo ng
00:17.8
happiness sa iba.
00:20.4
So, masaya tayo, tapos
00:21.5
nagiging source tayo ng happiness sa iba.
00:24.3
So, pag tinatanong
00:26.0
namin itong what makes you happy,
00:29.7
lumalabas kung ano yung mga
00:31.5
life goals ng mga tao.
00:35.9
tinatranslate na namin siya into
00:37.6
financial goals, itong sagot
00:39.9
doon sa what makes you happy, ito yung
00:43.5
nakapag-survey tayo ng
00:45.6
728 na participants
00:48.2
dito, ano ba yung mga priority
00:56.0
ay masaya at masaganang retirement.
00:58.3
So, yun talaga yung pinaka
00:59.6
priority. Sunod ay
01:06.2
mapagtapos ang mga anak.
01:07.6
Uy, nako, very proud ako sa aking
01:11.3
Jen, no? Kasi nakapag-tapos
01:13.5
at nakapag-pag-graduate na siya
01:15.5
ng kanyang anak sa Australia.
01:25.8
ng mga utang. So, usually ito yung
01:27.5
top 5 na life goals
01:34.6
yun. So, in terms
01:35.9
of this, sinelf-check ko lang, no,
01:37.8
yung akin. So, you can also
01:39.4
do this exercise siguro sa inyo. Kasi kung
01:41.7
ito yung mga basic na life goals, how are you
01:43.8
compared to that? Okay?
01:46.3
So, comfortable retirement,
01:48.1
uy, check na ako dyan, 2009.
01:50.6
Kasi, simple-simple lang
01:51.9
talaga ang gusto kong buhay.
01:57.5
education procedure, wala akong
02:00.1
anak, butin na lang, no?
02:02.7
Ang laking gastos kaya niyan.
02:04.7
Capital for business,
02:06.0
meron naman po tayong mga negosyo.
02:08.1
At pay consumer debt, kasi
02:09.8
wala naman po tayong
02:11.6
utang. So, consumer
02:14.1
debt, so okay naman yan. Okay?
02:18.3
Ano ba yung mga prerequisites
02:20.2
natin to investing para maging
02:22.1
purposeful talaga?
02:23.7
Ano yung mga uunahin natin?
02:26.1
So, ang mga prerequisites,
02:27.5
mga prerequisites natin to investing ay
02:29.2
dapat, yun nga, meron tayong adequate insurance coverage,
02:32.0
emergency savings, financial plan,
02:34.2
and consumer debt free.
02:36.2
So, okay naman na meron tayong utang,
02:38.2
pero sana hindi ito ay consumer debt.
02:40.5
Ano ba yung consumer debt?
02:41.7
Ito yung mga utang na hindi,
02:44.2
ginamit natin sa hindi kumikitang
02:47.8
So, bumari, nagbakasyon ka
02:49.9
abroad, hindi naman
02:51.7
kumikita yun, tapos kinaskas mo
02:54.0
yung credit card mo.
02:55.0
Oh, consumer debt yun.
02:58.9
the first one, so adequate
03:01.9
insurance coverage. Ano ba yung mga insurance
03:04.0
na meron muna tayo? Before we even think
03:06.0
of investment, ito muna yung mga
03:07.9
gagawin natin. Number one
03:10.0
is health insurance. So, magbayad
03:11.9
tayo ng PhilHealth natin,
03:13.9
tapos i-augment natin ng
03:21.8
may kakayahan na bumili pa.
03:26.2
Okay? Life insurance,
03:27.5
kukuha lang tayo yun
03:30.2
kapag tayo ay may
03:31.8
dependent. Okay? So, si
03:36.1
ayan, hindi ko alam kung nandito pa si Doc Jen,
03:38.0
pero syempre, binibigita ko na siya.
03:40.3
Si Doc Jen ay hindi na niya
03:42.0
kailangan ng life insurance kasi technically,
03:44.7
yung kanyang anak na
03:46.0
napag-graduate niya ay hindi na niya
03:50.1
Ano niya niya yun? Dapat
03:51.8
kaya nang tumayo sa sarili niya ang paa.
03:54.6
So, kung mawawala si Jen,
03:58.0
nung anak niya, no? So, yun kasi
04:00.1
yung ano eh, yung life insurance, it's
04:01.9
income replacement lamang
04:07.7
breadwinner. Okay?
04:10.0
So, yun. And then,
04:11.8
i-avoid natin yung mga
04:13.3
investment-linked insurance.
04:16.5
Oh, nakikinig siya. Oh, driving
04:18.2
pa. Aba, driving at
04:19.8
nagte-text. Hoy, makinig ka lang. Baka kung
04:21.9
ano pa mangyari sa'yo dyan.
04:26.3
Emergency savings.
04:28.2
Sabi ko kanina, nine times of your
04:30.1
monthly expenses yan.
04:32.5
Ayan. So, nabanggit na natin kanina
04:34.1
kung saan natin siya pwedeng ilagay.
04:38.2
financial plan, nasabi na rin natin kanina.
04:40.9
Na-discuss na yan. And then,
04:42.2
paying consumer debt. Okay?
04:44.1
So, ito yung mga kailangan na
04:48.4
ka mag-invest. Okay?
04:50.0
Pay consumer debt. So, get a loan only
04:52.1
if the amount is used for productive
04:54.3
purposes. Okay? Huwag na tayong
04:58.0
kapag hindi ito kikita. And then,
05:00.0
the rate of return should be greater than the cost of the
05:03.8
savings when buying non-productive
05:06.2
products, not loans. Actually,
05:08.0
ang mas higher level dyan ay passive income
05:10.2
yung gagamitin natin.
05:11.9
Pero kung hindi, ito yung savings.
05:14.0
Yan yung better option.
05:15.9
Yung next best option.
05:18.0
Ang no-no talaga ay ang
05:19.7
loans natin. Okay? So, buying
05:21.9
wants through loans is a violation
05:28.3
So, what stops you
05:32.6
tinanong natin. Ano yung mga dahilan?
05:36.2
Bakit ba hindi nakakapag-invest
05:42.9
family obligations and
05:45.5
responsibilities. So, marami pa akong
05:51.9
pamilya ko. Kaya, walang
05:53.8
natitira for investment.
05:55.8
Tapos, sumunod ay
06:01.6
gastos ng gastos tayo.
06:04.3
Kaya, walang natitira
06:05.6
for investment. Next ay
06:09.3
money. Kaya, hindi nag-i-invest.
06:13.8
yung pera. And then,
06:15.4
not enough income. So, what stops
06:17.8
you from investing ay wala
06:19.6
naman talaga akong pang-invest kasi wala akong
06:25.8
investment guide for
06:27.0
life goals natin. So, ito na yung sabi ko
06:29.6
kanina na ima-match natin
06:33.7
mga maayos na investments
06:35.4
for life goals natin.
06:43.8
nakaklassify siya, if you can see it,
06:47.7
retirement, education, and saka
06:55.8
life goals na lumalabas.
06:59.7
So, nakaranking na siya, no?
07:01.8
So, kung for emergency
07:03.6
savings, ang pinaka number one ko
07:05.6
dyan would be ATM or mga digital
07:07.5
banks natin, pwede rin tayong
07:09.7
maglagay sa rural banks. So, yung rural
07:11.5
bank, time deposit,
07:14.3
number five lang siya sa
07:15.7
retirement. Number three for education
07:17.5
and number three for housing.
07:19.6
Okay? So, ito yung ranking niya, no?
07:23.5
So, ang number one ko for housing and
07:25.8
education ay pag-ibig MP2.
07:29.2
number two ko naman siya for
07:31.3
retirement. Okay?
07:34.0
Government bonds.
07:37.7
Makikita nyo na yung mga ranking dyan, no?
07:39.9
Co-optime deposit,
07:43.9
So, in terms of retirement, yan talaga yung
07:45.6
pinaka unang-una, no?
07:57.9
capital, yan siya.
08:00.7
Makukuha nyo naman po itong
08:02.2
slides na to. So, don't
08:03.9
worry about it, no?
08:05.4
Rental property, nasa top
08:07.8
three ko yan for retirement.
08:09.8
So, makikita nyo wala siyang ranking for emergency,
08:13.8
hindi talaga maganda na rental property
08:16.0
yung pang emergency savings mo.
08:20.2
for retirement education and housing
08:23.6
din siya. Bond fund,
08:32.0
investment trusts, okay?
08:36.4
iisa-isahin natin yung mga yan, pero
08:38.0
hindi po talaga natin kaya i-discuss
08:40.1
ang lahat isa-isa, no?
08:41.7
I will try my very best, okay?
08:45.2
Ito naman po yung
08:47.4
investment list natin, okay?
08:50.1
So, mga dapat nyong iwasan.
08:52.5
Mga investment linked insurance
08:54.3
o yung tinatawag na VU,
08:57.7
or equity funds of
09:01.7
UITF at saka ng mutual
09:03.8
funds natin, no? Stock market,
09:06.3
o meron tayong separate discussion
09:07.9
dyan mamaya. Cryptocurrencies
09:11.2
non-fungible tokens. So,
09:13.7
yan po, no? Huwag nating
09:14.9
papasukin ang mga
09:17.4
yaan. Lalong-lalo na kung
09:19.7
hindi pa talaga tayo
09:21.9
wala pa yung emergency savings natin,
09:23.9
di ba? Mga ganyan, kulang pa yung
09:25.7
insurance natin, tapos nandito
09:27.6
na tayo. O kuwari, wala kang
09:29.3
insurance. Pero ang binili mong insurance ay
09:31.5
insurance na may investment,
09:33.6
patay na, no? Sayang yung
