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00:00.0
kinds of investors natin.
00:03.0
So, I have three questions na itatanong sa inyo.
00:08.0
You rate yourself from 1 to 4 using the following scale.
00:13.8
So, number 1 is strongly disagree.
00:22.0
And 4 is strongly agree.
00:26.7
Tapos, i-ano nyo lang po, natandaan nyo,
00:29.4
ilagay nyo na, i-note nyo sa cellphone ninyo
00:32.0
or sa papel kung meron kayo dyan,
00:34.7
kung ano yung mga answers ninyo.
00:36.3
Kasi, yun yung pag-uusapan natin maya-maya.
00:42.9
What kind of investor are you?
00:44.5
So, ito po yung ating first question.
00:47.5
Ilalabas din natin yung poll dito para ma-capture lang yung answers ninyo.
00:53.5
So, I am comfortable with taking calculated risks
00:58.8
to achieve higher returns,
01:00.9
understanding that higher potential returns
01:03.5
often come with higher risks.
01:08.0
komportable akong makipagsapalaran
01:10.3
para kumita ng mas malaki.
01:13.5
Alam ko na ang mas mataas na potential returns
01:19.2
ay madalas may kasamang mas mataas na risks.
01:23.4
So, ano ba kayo dyan?
01:27.9
Strongly disagree?
01:28.8
Disagree or strongly agree?
01:35.9
What kind of investor are you?
01:42.5
Sige, bigyan ko kayo ng 10 seconds more.
01:56.2
So, punta tayo sa second question.
01:58.8
Yung second question natin ay
02:01.6
Earnings from my investment is most important to me.
02:08.0
What I will use it for is secondary.
02:15.2
ang mahalaga ay ang kikitain ng investment ko.
02:19.2
Pangalawa lang kung saan ko ito gagamitin.
02:23.2
Earnings from my investment is most important to me.
02:26.4
What I will use it for is secondary.
02:28.8
Para sa akin, ang mahalaga ay ang kikitain ng investment ko.
02:33.5
Pangalawa lang kung saan ko ito gagamitin.
02:38.2
And the third question is,
02:43.8
I believe that generating returns is the primary objective of my investments
02:49.1
even if they do not contribute to positive social impact or environmental protection.
02:57.6
naniniwala ako na kita ang pangunahing layunin ng investments ko
03:04.0
kahit wala itong positive social impact or protection sa environment.
03:14.0
So, ano yung mga ano natin?
03:17.0
Ano ba yung mga kinds of investors natin?
03:22.8
Pag traditional na classification,
03:25.8
tinitignan niya kung ikaw ay aggressive.
03:27.6
Progressive or conservative.
03:30.2
Tapos, yun namang
03:36.9
tinitignan niya kung profit ka ba or with your goal.
03:44.3
Tapos, yung panghuli ay tinitignan niya kung ikaw ay social investor.
03:50.8
So, tanungin natin si Bing ngayon dito sa unang question.
04:05.2
nag-agree ka, no, na
04:11.2
to achieve higher returns.
04:13.5
parang na-accept mo naman
04:15.9
pagka may higher risk,
04:19.7
pwedeng higher returns,
04:27.1
sa mga sumagot dito ay
04:29.8
60% yung nagsabi na
04:40.7
na nag-agree sila.
04:42.5
Anong ibig sabihin yan?
04:45.0
ang sinagot mo ay
04:48.9
an aggressive investor
04:51.7
kung one or two naman,
04:54.0
conservative investor.
04:56.5
may ha, may lang ito kasi.
04:58.2
Siyempre, isang tanong lang naman
04:59.4
yung ginawa natin.
05:01.5
At self-assessment ito,
05:03.4
pagkilala sa sarili.
05:05.8
maraming limitations.
05:09.3
I think it's a good starting point
05:18.1
kind of investor tayo.
05:25.0
sa tingin mo ba, Bing,
05:30.3
Conservative or aggressive
05:34.8
Conservative, sir.
05:36.5
Kasi pag-aggressive ka,
05:38.7
Ano ngayon yung pakiramdam mo?
05:41.1
Aggressive yung lumabas sa'yo.
05:49.7
pagka mag-aggressive ka,
05:51.0
pagka mabagsak ka,
05:52.8
medyo masakit din yun.
05:56.5
Sa conservative na lang siguro, sir.
06:02.1
bakit tingin mo mas okay yung
06:04.7
conservative na investor?
06:09.0
tinitingnan mo muna, sir.
06:11.2
pagka biglaan kang nagsabi,
06:14.9
Yung hindi mo siya
06:18.4
pag nilay-nilayan.
06:20.5
So, doon kasi, di ba,
06:22.6
naulit-ulit mo, sir,
06:23.9
na ang pagyaman na pag-aaralan.
06:37.2
yung pagsisisinan doon.
06:40.0
So, must be better talaga
06:45.4
kahit medyo mababa,
06:48.7
Mayroon ka pa rin
06:56.5
kasi yung aggressive,
06:57.7
Yun parati yung nakikita
06:59.5
na rinirinig ko eh,
07:01.3
ah, kapag conservative,
07:03.1
hindi yan masyadong kumikita.
07:05.1
Parang ganyan yung ano nila.
07:07.1
sa experience ko,
07:08.6
hindi naman parating ganon.
07:11.2
And, i-explain ko siya later.
07:14.4
ito being yung ano, no?
07:15.7
Yung pagiging conservative
07:18.6
is someone who puts importance
07:21.7
on security of the investment
07:26.3
sa akin na yung pera
07:29.6
at hindi mabawasan, no?
07:33.6
ng mahimbing sa gabi
07:37.1
na yung pera ko ay
07:39.7
Yun yung sinasabi
07:41.3
sa conservative na investor, no?
07:46.1
fearful and doubtful
07:49.0
Yung conservative investor.
07:51.0
Yun yung nakikita natin.
07:54.7
unwilling din, no?
07:58.9
So, tama naman, di ba, Bing?
08:00.6
Ang pera kasi natin ay,
08:03.7
napaghirapan natin yan, eh.
08:07.0
So, kailangan talaga dapat na
08:16.0
Kasi, di ba, sir,
08:16.8
talamang nga yung mga scammer.
08:19.2
So, dapat talaga,
08:20.5
pag nilainila yan,
08:22.8
yung tamang investment,
08:26.3
nilalaga yung pera mo.
08:30.1
Ilang years ka na sa Netherlands?
08:32.9
21 this coming year.
08:35.1
This coming June.
08:36.6
My God, 21 this June.
08:41.3
anong work mo dyan?
08:46.2
yun pa rin naman yung
08:46.9
fina-fight namin up until now.
08:52.8
actually, si Bing po,
08:56.3
migrant activists
09:06.2
So, pag-aggressive investor
09:09.7
importance on returns
09:15.6
they're often confident
09:16.9
with the investments
09:17.9
that they're putting in.
09:19.9
okay lang na mawala
09:22.1
They're willing to take
09:26.3
so, kung i-analyze
09:29.1
ano ba yung, ano natin
09:30.3
sa investment risks
09:34.9
how do we define this, no?
09:36.7
So, this is the chance
09:38.4
or all of your money
09:42.3
At sa totoo lang,
09:43.2
this is subjective
09:45.4
It depends on your
09:49.9
exact risk measurement.
09:51.5
Kasi, naghanap na ako, eh.
09:58.5
finance and in terms
10:02.0
imimitigate mo naman
10:08.7
compared dun sa benefit
10:10.7
So, hindi rin siya
10:11.5
very feasible, no?
10:16.7
yung pinag-ahalo natin
10:18.0
when we're trying to
10:22.1
meron akong tanong sa'yo.
10:26.0
Eto yung tanong ko sa'yo, Bing.
10:31.1
o kay Manny Pacquiao
10:32.5
pag kami ay maglalaban?
10:36.1
si Manny Pacquiao.
10:41.7
sobrang emphatic ka na
10:44.3
si Manny Pacquiao,
10:52.2
for the investment
10:54.8
Oh, hindi din, no?
10:56.0
Mayaman din siya.
10:57.1
Maraming magaling din
10:58.0
sa investment itong si...
10:59.9
Magaling din talaga.
11:01.2
Of course, magaling din
11:02.2
si Manny Pacquiao
11:03.2
pagdating na yun.
11:04.1
Pero hindi ko na pa-follow
11:05.5
yung kanyang mga investment.
11:08.7
Instead na boxing, Bing,
11:11.1
ang paglalabanan naman namin
11:17.6
Kanino ka tataya?
11:19.3
Sa akin o kay Manny?
11:20.1
Of course, sir, Bins.
11:22.6
Hindi pa rin ako sure.
11:27.3
So, na-sure, sir.
11:33.2
from that comparison?
11:39.5
doon sa English grammar
11:41.7
in relation sa akin
11:48.8
in regards sa boxing,
11:50.8
I choose Manny Pacquiao
11:52.2
because, of course,
11:53.2
siya na yung legend
11:59.8
graduated for the
12:01.1
higher university
12:04.2
pagdating na talaga
12:06.9
So, that's the two.
12:16.1
ni Manny Pacquiao
12:19.9
Ang line lang talaga, ha?
12:23.3
sa akin sa boxing?
12:27.3
Hindi kita nakikita, sir.
12:35.3
Pag magbaboxing kayo
12:40.6
May masal naman tayo
12:45.1
yung sa English grammar,
12:49.3
sa perception mo lang?
12:54.2
Diba? 10 talaga, ha?
13:01.2
Eh, si Manny, ano?
13:07.3
So, naano natin yun,
13:08.6
na meron tayong perception,
13:10.9
whether ito ay totoo or hindi,
13:13.4
meron tayong judgment
13:16.9
in terms of how we
13:18.7
perceive risks, no?
13:21.0
So, yun yung, ano,
13:22.1
gustong-gusto ko pa natin
13:27.0
i-illustrate ng risk, ano?
13:29.0
So, how do we analyze risk, no?
13:31.2
So, identification,
13:32.3
where is the risk?
13:33.5
So, dun sa amin sa kanina,
13:36.4
yun, nandun yung risk.
13:37.6
Tapos, dun sa isa naman,
13:38.6
ay dun sa English grammar.
13:40.2
it all boils down to
13:41.9
um, knowledge and skills, no?
13:45.5
dun sa example natin.
13:46.7
And then, yung magnitude.
13:47.9
Ano yung extent of loss or damage
13:49.8
nung risk na yon?
13:51.1
So, nung in-assess ni, um,
13:55.4
nako, kung masuntok ako ni Manny,
13:56.9
baka buhay ko ang kapalit nun.
13:58.6
So, malaki yung loss na mawawala, ano?
14:02.3
Pero sa English grammar,
14:04.4
magkalapit nga, eh, diba?
14:06.6
ako ay nasa, ano daw,
14:09.3
pero hindi ko nasa 6 ako, eh.
14:10.6
7.5 daw si Manny.
14:14.5
yung risk ng, uh,
14:16.5
magnitude ng loss dun
14:17.9
ay hindi ganun ka-kalaki.
14:20.3
So, dun din natin siya titignan.
14:22.0
And then, yung likelihood, no?
14:23.9
Of the probability of the risk happening.
14:26.6
Ay, hindi talaga ako lalaban kay Manny
14:29.3
Hindi ko pa, ayoko.
14:30.4
Kasi alam kong talo na ako dun agad.
14:32.2
So, mas may chance ako dun sa English.
14:34.2
So, dun ako makikipaglaban kay Manny
14:39.4
So, yun lang, no?
14:40.5
Para mas maintindihan natin yung, uh, risks.
14:44.4
So, at ang lagi ko kasing naririnig,
14:46.8
yun, eh, high risk, high returns.
14:49.4
Pero sa akin talaga,
14:50.4
incomplete yung statement na yan.
14:53.9
Naiinis ako sa media
14:54.9
kasi parating yan yung inuulit-ulit, no?
14:57.2
Maski mga business, uh,
14:58.9
um, news outlets.
15:00.1
High risk, high returns.
15:02.0
ang complete na statement dyan ay
15:04.1
high risk equals high returns
15:10.8
So, yun yung pwedeng mangyari.
15:13.1
Pwede kang kumita,
15:14.7
pwede kang tumabo,
15:15.7
or pwede ka rin mawala.
15:17.3
At hindi lang part,
15:18.6
pwedeng lahat mawala, no?
15:20.1
So, yun yung, um, risk natin.
15:23.9
So, kung ibabalik natin,
15:25.3
dun sa pagiging aggressive
15:26.6
or conservative na investor, ano?
15:30.8
it's not about whether you are aggressive
15:34.8
Pero, uh, this is actually about your purpose.
15:41.7
yung pagiging conservative and, ano, no,
15:44.0
conservative and aggressive na, um, investor
15:47.7
ay, uh, um, parang
15:50.7
mas feelings yung pinagpapasakit,
15:53.9
napairal natin, diba?
15:56.0
Na, kung conservative ka,
15:57.9
medyo takot ka, ganyan, no?
15:59.8
So, i-address mo yun.
16:01.0
Kailangan aralin mo siya
16:02.6
para ma-overcome mo yun.
16:04.2
Tapos, yung isa naman,
16:05.5
ay confident masyado.
16:07.9
Tapos, parang ang tingin niya sa pera
16:09.7
ay okay lang na mawala.
16:12.1
yung nagsasabi, diba?
16:13.5
Lagi din natin narinig yan na
16:14.9
only invest what you can afford to lose.
16:19.1
Sa akin talaga, wow!
16:20.7
Ang yaman naman nung taong nagsasabi nung ganyan.
16:23.8
yung perang pinaghirapan ko
16:25.8
when I place it into an investment,
16:27.5
talagang, I really make sure na dapat
16:30.1
mababawi ko pa rin yan
16:32.0
at nandyan pa rin, no?
16:35.8
Um, yan yung ano natin,
16:41.9
aggressive na investor.
16:45.5
So, para sa akin,
16:51.4
pagiging aggressive or
16:52.6
conservative na investor.
16:53.8
And mas mag-focus tayo dito sa
16:56.4
pangalawa at pangatlo na
16:58.4
kind of, uh, investing.
17:01.4
mas may sense, no?
17:07.3
pangalawang question naman ay, ano, no?
17:09.2
The purpose-driven, uh,
17:12.4
So, tinanong natin yan, no?
17:16.8
ang kikitain ng investment ko.
17:20.2
pangalawa lang kung saan ko ito,
17:27.9
kung ang sinagot ninyo
17:29.2
ay three or four,
17:36.3
one or two naman,
17:44.5
Okay, so mas purpose-driven
17:46.0
investor tayo, ano?
17:54.5
Ito, may anak ka ba,
18:01.3
Pero, kunwari may anak ka,
18:03.7
Kunwari may anak ka,
18:10.3
yung educational fund
18:21.0
yung sagot niya talagang
18:21.7
purpose-driven siya.
18:25.6
yun yung lagi kong sinasabi eh,
18:27.2
irrelevant whether
18:31.4
what you call this?
18:33.3
aggressive na investor.
18:35.3
Eh, ang pinag-uusapan natin,
18:40.3
So, hindi po pwede talaga
18:41.9
na ipagsasapalaran mo yan,
18:45.3
Nasaan ka ngayon, Janice?
18:46.8
Nasaan sa work ka?
18:51.7
Nasaan sa work ka ba?
18:56.2
Parang laki ng bahay mo, ha?
18:58.2
Ay, cabinet pala.
18:59.0
Ayun, nakalakang door.
19:03.5
Alam oras na dyan?
19:11.1
So, ituloy ko lang, ha?
19:13.0
tatanungin ulit kita
19:17.0
So, yung investment talaga natin
19:19.1
kasi nagsastart dapat
19:20.2
sa purpose natin.
19:21.7
Yun yung una natin
19:25.4
Ano yung pinag-cap
19:31.1
Ano yung purpose mo
19:38.2
Ang aga mo naman mag-isip
19:40.1
Ilang taon ka na?
19:48.9
So, for retirement.
19:50.8
So, kung for retirement
20:01.1
ini-invest ngayon?
20:07.6
Mamaya meron akong
20:11.2
magagandang investments
20:15.4
So, anong age mo ba
20:17.1
balap mag-retire?
20:23.0
40s ka, sabi mo nang
20:24.7
o di 9 years pa yun.
20:26.0
mahaba-haba pa yun,
20:30.4
na mag-start tayo
20:31.5
with our purpose.
20:38.4
aggressive investor,
20:39.4
dapat yung purpose,
20:40.4
imamatch mo siya.
20:41.2
And we'll go into that
20:48.7
the third category
21:09.0
Janice, anong sagot mo dito?
21:16.8
dito rin sa ano natin,
21:20.1
sa mga social investors.
21:22.1
parang preaching to,
21:24.6
hindi na bago sa kanila
21:34.2
conventional investor
21:36.9
kapag 1 or 2 naman,
21:43.5
So, lagi lang nating
21:44.8
tatandaan yung ating
21:52.8
pure and cashable,
21:54.9
social and environmental
22:01.5
yung titignan natin.
22:03.3
So, dito sa pagiging
22:04.6
social investor natin,
22:06.8
tag nag-i-invest talaga tayo,
22:08.2
we have to preserve
22:13.5
mga pagpapahalaga
22:23.4
may mga ganyan talagang,
22:27.0
ginigame-ify nila.
22:35.1
pag may nababalitaan sila,
22:37.1
ang ginagawa nila,
22:39.2
nag-i-invest sila
22:42.7
2 months or 3 months,
22:43.6
nag-wi-withdraw na sila
22:45.2
yung malaking returns.
22:47.2
lagi kong sinasabi,
22:48.4
ano ba naman kayo?
22:50.7
matatalino na kayo,
22:52.8
ba't nyo pa gagawin yan?
22:54.7
Maraming magsasuffer,
22:56.5
ikaw yung nag-benefit
22:59.8
Gusto mo ba talagang
23:01.6
source ng yaman mo?
23:03.5
yung sinasabi ko na,
23:04.8
we really have to preserve
23:12.3
pwede na ako magiging
23:14.5
So, ito yung aking,
23:16.3
just to summarize,
23:17.1
to cover yung ating
23:18.7
mga kinds of investors,
23:22.8
isantabi na natin
23:25.2
conservative investor
23:26.4
kasi emotion-driven
23:29.4
purpose-driven tayo
23:31.7
yung purpose-driven kasi
23:32.7
talagang ang titignan niya
23:33.7
ay ma-achieve ko yung
23:35.5
by hook or by crook.
23:36.8
Pero yung social investor
23:37.9
is the higher level na,
23:39.4
I want to achieve my goals
23:41.3
mayroong positive
23:43.3
environmental impact.
