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00:00.0
Okay, so yung stock market investing natin, marami yung interested kasi sa stock market.
00:05.9
If you ask the college student, 65% of them would say na they're interested in the stock market.
00:12.4
And thankfully, less than 1% of Filipinos have stock market accounts.
00:16.7
Which is, I think, for me, good. Mas marami pang pwedeng magagandang investment.
00:22.2
So yung stock, ito yung katibayan na tayo ay kamay-ari, co-owner ng isang kumpanya o korporasyon.
00:29.0
So tinatawag din itong shares or equity. Kapag sa co-op, share capital ang tawag.
00:37.7
Stock or share capital, may karapatan tayo or claim sa mga ari-arian at kita ng korporasyon.
00:43.8
Kung magsasara yung korporasyon, babayaran muna yung liabilities bago tayo mababayaran.
00:53.4
So ito lang yung common share and preferred.
00:59.0
So ito lang yung preferred share comparison. May voting power yung common shares, yung preferred share ay wala.
01:05.4
Pero actually, kahit na ako bumibili ng common shares sa stock market, hindi ko naman nararamdaman na mayroon akong voting power.
01:13.7
I think, napakalikit nung percentage para mag-make ng dent sa decision making nila.
01:21.1
So the stock market is a physical or virtual place kung saan nakakabili tayo at nakakapagbenta ng stocks.
01:27.7
So sa mga publicly listed.
01:29.0
So ang stock market natin, Philippine Stock Exchange yan.
01:34.0
So ito yung mga examples ng mga stocks na pwede nating bilhin dyan.
01:40.5
So ang process niyan, usually yung mga corporations, nag-a-apply sila to be listed in the stock exchange.
01:49.3
And then they sell their stocks to the investors.
01:52.6
And then the investors can now sell the stocks to other investors at a gain or at a loss.
01:59.0
So yun na yung pwede tayong kumita in terms of the trading niya.
02:03.7
So pwede tayong kumita doon sa capital gains niya.
02:06.6
Pwede rin tayong kumita sa dividends kung nagbibigay ng dividend yung stock na nabili natin.
02:15.0
And this is considered a high risk investment.
02:19.3
So let me just show you my exposure sa stock market.
02:23.9
So this is March 2020 loss.
02:29.0
Nang 16, ilan ba yan?
02:33.8
Negative 16 percent.
02:36.9
Noong December 2020, nag-recover ng 10.4 percent.
02:41.3
Remember kanina, diba?
02:43.0
For a total of about 280 million na minamanage natin na investments.
02:49.4
Ayan, nasa 600,000 lang yung exposure ko sa stock market.
02:59.0
Um, tumaas ng 14 percent ng December 2021 yung sa akin.
03:07.6
December 2022, uy, 3.65 na lang.
03:11.0
Ano yan ha, cumulatively?
03:12.4
Kung titignan nyo, yung total net cost na nabili ko ay 831,000.
03:16.7
Pag binenta ko lahat yan ngayon, it will only be, noong December 2022 pala,
03:22.2
861,000 lang yung mapagbibentahan ko.
03:26.9
For a gain of 3.65.
03:28.6
Eh, kailan pa ako nag-i-invest dyan?
03:30.7
Since 2018, diba?
03:34.4
Maganda sana kung dito, no?
03:36.3
Noong, ah, dito sa December 2021, binenta ko na 15 percent.
03:44.1
Kaya yung sabi kasi nila, invest in the long term, invest in the long term.
03:48.1
Pero, nulungkot ako parate.
03:49.9
Kaya ganyan lang, kaliit yung nilalagay ko dyan, no?
03:52.6
December 2023, 4.14 percent.
03:56.5
So, ang total na na-invest ko ay 914.
03:59.6
Ang market value niya ay 990.
04:06.7
ba't ko ito pinapakita?
04:07.9
To discourage you to enter the stock market.
04:13.6
So, pero kung mapilit ka, gusto mo talagang mag-stock market,
04:17.3
ito yung aking mga guidelines.
04:21.2
Kung small investor tayo, ibig sabihin less than 10 million yung ilalagay natin,
04:26.0
ito yung mga susundin natin, ha?
04:28.6
Buy index-based or exchange-traded funds instead of stock-picking.
04:34.4
Anong ibig sabihin yan?
04:35.5
Ako, yung investment ko sa stock market ay hindi ako bumibili ng isa-isang Jollibee
04:40.1
or Meralko, SM, ganyan.
04:42.3
Kundi, bumibili ako ng index-based, no?
04:46.7
Index-based na minamanage ng isang fund manager.
04:50.8
Yung isang, I have two accounts sa, ah, three pala.
04:58.6
Meron akong index-based from PhilEquity Fund, no?
05:04.5
Yun yung pinapakita ko kanina, PhilEquity yun.
05:06.8
Tapos, yung pangalawa ay meron akong Call Financial, yung online yan.
05:13.1
Pero yung isang Call Financial, ang pinili ko ay exchange-traded fund.
05:17.8
So, hindi pa rin ako nagsa-stock-picking, exchange-traded fund siya.
05:20.7
Tapos, yung isa ay kumuha ako ng UITF na index-based.
05:28.6
Na equity sa, I think, sa Banco de Oro.
05:32.7
Malilit na malilit lang.
05:33.7
So, ang ginagawa ko ngayon, yung kunwari, yung sa isa, yung pinakita ko kanina,
05:40.2
I do what we call, ayan, peso-cost averaging strategy, no?
05:47.0
Yung peso-cost averaging strategy, yan yung, ah, hindi ako nag-iisip.
05:53.1
Basta, every, ah, 17th of the month, naka-auto.
05:58.4
Debit na sa account ko yun na mag-iinvest ng, I think, 10,000 pesos lang, eh, per month for that, ah, fund.
06:05.3
At, at ginagawa na ngayon, automatic.
06:07.5
So, so that's a very good, good way of investing para hindi ka na min-mix the emotions.
06:13.2
So, at yung dalawa ko ngayon, yung Call Financial at saka yung, ano, yung, ah, sa UITF ko,
06:20.1
na exchange-traded fund ay, ah, maliit lang yung mga binibili ko.
06:28.4
At bumibili ako ng, ng feeling ko, mababa yung market.
06:31.5
O, emphasis on feeling, ha?
06:34.3
So, ayun lang ako nagkukwento ng ganito.
06:37.2
Pero yung maliit lang, ha?
06:38.5
Yung, yung isa ay 50,000 lang.
06:41.2
Tapos, actually, 50,000 lang sila.
06:46.7
May mga ganun lang, okay?
06:50.3
You buy more when the index is down, and then you sell when the index is high.
06:55.4
Kasi nung, ano, ah, di ba, remember?
06:58.4
Ito, nakita nyo dito, no?
07:00.4
Nung March 2020, down ng 15%, di ba?
07:04.5
Bumili ako dyan, eh, ng separate, ng, I think, mga 250,000 pesos at that time.
07:12.2
You see, nung mga panahon, natakot-natakot yung mga tao sa stock market.
07:16.9
Doon ako bumili ng 250,000 lang naman.
07:19.3
Hindi naman kalakihan, no?
07:20.8
And then, come, ah, December 2020,
07:24.9
nag-gain na siya ng 10.4%.
07:28.4
From negative to 10.4%.
07:30.7
So, ang laki nung gap, di ba?
07:33.9
For, ah, one, almost two years na, na ano niya.
07:38.5
So, nung nag-ganun na yung amount niya, binenta ko na.
07:43.5
So, ganun lang yung ginagawa ko.
07:45.6
At sobrang liit na.
07:46.5
Again, ha, in the context of 280 million, oy, 50 mil, 50 mil lang.
07:51.6
Kasi baka yun yung matandaan nyo at ma-excite kayo, ha?
07:56.7
Ayan, sabi ni Ma, ha.
07:59.4
Ano baka ibig sabihin ng equity, sir Vince?
08:03.9
Ah, ang equity ay stock, no?
08:06.8
Yun lang yung ibig sabihin niya.
08:07.9
Pareho lang siya.
08:08.4
Another term for stocks or shares ay equity.
08:13.7
Ibig sabihin, kamay-ari ka doon.
08:18.4
Ah, yun yung gagawin natin.
08:20.5
Tapos, ah, so investing dapat parang love life yan.
08:24.0
Dapat consistent and predictable.
08:26.0
At saka steady, hindi siya rollercoaster.
08:28.9
At dito pa rin ako mas masaya sa aking co-op investment.
08:32.5
Kung iko-compare ko, ha, yung aking co-op investment at saka yung stock market.
08:37.7
Yung 1 million ko nung 2005, 8.78 million na sa co-ops.
08:43.2
And 3.08 sa stock market.
08:47.0
Dito ko parating sinasabi, eto yung pagko-question ko talaga sa high risk, high returns.
08:53.4
Eh, yung stock market, napaka-high risk niya.
08:56.0
High ba yung returns?
08:58.9
Eh, yung cooperative.
09:00.5
Ah, sa akin, high risk din yan.
09:02.1
O, pero high returns talaga yung naibigay niya.
09:04.7
So, doon na tayo sa social investment.
09:07.1
Mas, ano, mas, ah, pareho din namang high risk.
09:10.4
Eh, doon na tayo sa may social impact.
09:13.2
O, kasi ang hindi nila pinapakita dito, eto kasi yung nakikita eh, probability of high returns sa stock market.
09:19.8
Eto yung mga natatandaan ng tao.
09:21.5
Yung, uy, kumita ng 25% nung 2017.
09:26.0
Yung stock market, diba?
09:28.7
Hindi na nila nakita yung iba na pinuputakti ng pula, diba?
09:34.9
Probability of losses.
09:39.2
Oy, sinasabi ko to sa inyo, just to show you na,
09:42.9
ang hirap naman po kasi na magturo ng sasabihin natin na ako ay financial guru.
09:47.8
Tapos, hindi ako marunong mag, wala akong experience sa stock market.
09:51.7
At hindi ko maipakita sa inyo talaga ano yung tunay na nangyayari.
09:56.2
Kasi wala akong actual experience.
09:57.5
And that's the reason why, I invest so little in the stock market.
10:01.7
Pero sa totoo lang, gusto ko na sana na hindi, hindi na nga.
10:05.2
Pero, yun eh, mahirap naman.
10:07.6
Maski nga sa bitcoin, meron din ako, pero magkano lang ba yung bitcoin ko?
10:12.7
5,000 pesos lang yata ngayon, no?
10:15.4
So, I do that because,
10:18.7
mahirap naman, sasabihin akong financial guru, tapos wala akong, ano, no?
10:22.7
Wala akong experience.
10:25.7
Ano ba ang, pag mga foreign exchange na mga ganyan, huwag na tayong pumasok.
10:31.2
Kasi, ang foreign exchange is not meant to be an investment.
10:37.8
Ang foreign exchange kasi is a medium siya, no?
10:40.9
Ng exchange kapag tayo ay nag-tetrain.
10:43.9
Yun lang dapat ang gamit niya.
10:45.7
So, for me, if you are investing in foreign exchange
10:50.0
for the sake of speculating kung ito ba ay tataas o ba,
10:55.7
I don't think that's a very good, ano, no, way of investing.
11:01.0
No sa akin ang foreign exchange investing.
11:06.1
Stock market prerequisites.
11:09.4
Dapat meron kang financial plan hanggang retirement.
11:13.0
May emergency savings ka na.
11:14.8
Maximum ka na sa SSS pag-e-big and bill health.
11:18.4
Meron kang health insurance.
11:20.1
Wala kang consumer debt.
11:21.4
Meron kang capital protected investments, no?
11:25.7
meron kang 2,000 learning hours on stock investing.
11:29.3
At nung tinanong ko namin yan,
11:31.4
sinimulate namin yan, no,
11:33.2
only 3% yung nakaperfect score na 7.
11:39.9
huwag na tayong pumasok sa stock market, ha?
11:42.5
Because it's unpredictable and speculative.
11:45.8
Emphasis is on future earnings, no?
11:47.9
There's too much uncertainty.
11:49.0
Sa Islam, ang tawag dyan ay garam, diba?
11:53.3
It benefits top 1% of the society.
11:55.7
Sa totoo lang, nung sila ay nag-public offering
11:59.4
para silang nagbenta ng papel sa atin.
12:02.2
And they said na,
12:03.1
oh, itong share capital na ito,
12:04.9
ang worth niya ay 1,000 pesos.
12:06.9
Tayo naman, believing them, we buy.
12:10.7
And who benefited?
12:11.7
Ayun, top 1% of the society.
12:14.6
And it is too profit-driven.
12:17.8
Kaya, me, know ako dyan sa stock market.
12:25.1
So, may isa na lang ako na topic
12:27.1
na hindi pa nadidiscuss.
12:30.0
I'm sorry, medyo mag-overtime.
12:35.2
Ito naman yung mga other investment products lang
12:37.8
para ma-anon nyo, no?
12:44.8
Para malaman lang natin.
12:49.8
Mabilis lang po ito.
12:53.1
ito yung mga other investments natin
12:57.3
na po pwede nating tignan, ano?
13:01.4
Para alam nyo lang.
13:04.4
So, meron tayong co-op investing.
13:07.5
Lagi ko naman yung pinopromote, di ba?
13:10.6
Yung sa co-ops natin.
13:12.3
This is still considered a high-risk investment.
13:15.3
Pero, ano eh, mataas yung kanyang social impact.
13:20.4
Kaya, gustong-gusto ko itong co-op investing.
13:23.1
So, gumamit tayo ng co-op pesos score natin.
13:29.0
Ang hahanapin natin ay 80 points at least.
13:33.0
Tapos, 10 years na sana sila na nandoon
13:36.8
doon sa kanilang head office, in existence.
13:40.6
And they own their head office.
13:42.3
Hindi sila nag-rerent.
13:50.1
Personal equity retirement account.
13:53.1
So, this is actually some sort of like,
13:56.1
marami siyang pwedeng investment doon sa loob ng pera account.
14:03.1
So, we also have this as non-OFWs up to 100,000 maximum yung nilalagay namin.
14:10.1
Sa OFWs kasi hanggang 200,000.
14:14.1
So, ito ay voluntary account pang dagdag ng retirement.
14:18.1
May tax benefits siya.
14:20.1
And you can only withdraw,
14:24.0
once you reach 55 years old.
14:26.0
Sa akin, that would be 10 years from now.
14:30.0
Yan yung pera account.
14:32.0
So, yung pera account, pwede tayong may UITF yan, may mutual funds siya, may annuity siya, may insurance pension products.
14:41.0
Mamimili ka din doon sa loob ng pera account.
14:46.0
Pre-need pension, shares of stock, exchange-traded fund, government securities.
14:51.0
Yan yung mga laman nun.
14:52.0
Another investment product, pwede rin na invest ka sa franchise.
14:59.0
Kasi operate mo na lang yan.
15:01.0
Kailangan mo lang siyang aralin ng mabuti.
15:05.0
At kumuha ka ng franchise na medyo ginagamit mo na.
15:08.0
Malapit yung puso mo doon.
15:10.0
And tried and tested yung brand.
15:13.0
Another one, yung mga cryptocurrencies.
15:17.0
Ayan, ayoko po yan.
15:19.0
So, wag po tayong pumasok dyan.
15:21.0
Cryptocurrency, decentralized siya.
15:24.0
Blockchain technology ang ginagamit.
15:28.0
Walang institution or individual na nagdedetermine ang value ng cryptocurrency.
15:35.0
So, it's really just up to the market.
15:37.0
Kaya very volatile siya.
15:38.0
Admittedly, pataas yung market ngayon.
15:40.0
Pero nakakakaba para sa akin.
15:43.0
Pag nangyayari yan sa bitcoin, mas kinakabahan ako more than anything.
15:46.0
Kahit na, di ba nakakatawa?
15:48.0
Magkano lang yung exposure ko?
15:49.0
Para sa 5,000 piso lang.
15:51.0
Ay kinakabahan ako.
15:53.0
So, it's not regulated.
15:55.0
That's why I don't like it.
15:56.0
Kapag may nangyari sa'yo, nako.
15:59.0
Sa kanino ka magreklamo?
16:02.0
So ako, kasi yung cryptocurrency pwedeng dumiretso ka doon sa blockchain.
16:05.0
Doon talaga, wala kang tatakbuhan.
16:07.0
Yung sa akin, I do it with either, I do it with Maya.
16:12.0
Maya, yung Maya Savings.
16:14.0
Yung sa kalaban ng globe.
16:17.0
So, kapag nagka problema,
16:18.0
pwede kong puntahan yung Maya at ang kausapin sila.
16:22.0
Pero sa halagang 5,000 pesos.
16:24.0
O, si Leia, nag-deal ang gold.
16:27.0
Sabi niya, what are my thoughts on gold investments?
16:31.0
So, ito naman yung sa gold investing natin.
16:34.0
Investment ba siya?
16:36.0
So, kung mag-invest tayo sa gold,
16:38.0
yun lang tayo doon sa bullion na tinatawag.
16:41.0
Yung sa mga coins or blocks or bars.
16:46.0
Kasi kapag nagtitrade ng gold,
16:50.0
yung craftsmanship nawawala.
16:52.0
Kasi literally po, tinutunaw yun kapag tinitrade na.
16:56.0
Yung mga sinusubasta, tinutunaw yun.
16:60.0
Tapos gagawing coins or blocks or bars.
17:03.0
Which is the bullion.
17:04.0
So, okay naman yan kung bullion ka mag-invest.
17:08.0
Yung jewelry, yan yung gold with workmanship or craftsmanship.
17:13.0
So, may value na daw yung craftsmanship.
17:15.0
Pero kapag trinade mo siya, gold per gram,
17:19.0
tinatanggal yung workmanship.
17:21.0
So, kung maganda man yan o hindi.
17:23.0
Kasi ano yun, napaka-subjective niyan.
17:26.0
Yung magandang gold na isang gram
17:29.0
at hindi magandang gold na isang gram,
17:32.0
at the end of the day, pareho pa rin silang isang gram.
17:36.0
So, gold investing is done with bullion and not in jewelry.
17:41.0
Weight is important in gold investing.
17:47.0
So, ang gold jewelry as an investment.
17:52.0
So, bought from professional and trustworthy sources.
17:55.0
Can give certificates from internationally recognized gemological institutes.
17:58.0
Pero hindi ako, hindi rin ako believer nito.
18:01.0
Considered the name of the designer, ganyan.
18:04.0
So, sa totoo lang Leia, no?
18:08.0
If you're asking me.
18:12.0
ang bagong gold equivalent sa panahon natin ay bitcoin.
18:17.0
Kasi yung gold, meron pa nga siyang industrial use eh.
18:22.0
Pero una, hindi siya business, hindi siya nag-create ng interest or dividend.
18:29.0
Wala siya, store of value siya.
18:31.0
Ganon din yung bitcoin.
18:32.0
So, yun, hindi rin ako nag-i-invest sa bitcoin.
18:35.0
Eto, ito yung aking, hindi naman siya investment kasi commitment ring yan.
18:41.0
I hope I answered your question.
18:43.0
So, it's a no for me.
18:44.0
Yung gold investment.
18:52.0
So, hospital stocks.
18:54.0
Corporate offices of hospitals.
18:57.0
Kailangan registered sila and approved by the STC.
18:60.0
Kasi ang nakikita ko, maraming mga hospital stocks nag-offer sila to more than 19 investors.
19:07.0
Pero hindi silang public corporation.
19:10.0
So, may mga kailangan, may secondary license kasi dapat nakukunin yun eh.
19:15.0
So, siguraduhin nyo lang na may secondary license sila.
19:18.0
So, may other benefits kasi yan dahil you can get discounts for the hospital room, mga doctors, at mga operating rooms and delivery rooms.
19:29.0
Kaya maraming na-attract dito.
19:31.0
Pero you just have to make sure na pag nag-retire ka or doon ka talaga sa may malapit na hospital na yun.
19:39.0
At doon ka talaga magkakasakit kumbaga.
19:43.0
So, medyo mahaba yung foresight mo dapat dito.
19:48.0
It can earn dividends from the stock.
19:52.0
It can be a good alternative for health insurance.
19:56.0
Pero ako, admittedly, wala pa po akong experience sa hospital stocks.
20:01.0
Babalitaan ko kayo kapag nagka-meron ako.
20:06.0
So, yan yung ating building.
20:08.0
Building and fortifying our investment portfolio.
20:13.0
Ako po si Sir Vince.
20:15.0
Nagsasabing ang pagyaman na pag-aaralan at na pag-tutulungan.
