2893 | Paano Mapalago ang Iyong Pera: Gabay sa Iba Pang Investment Products
00:48.3
So gumamit tayo ng co-op pesos score natin.
00:53.7
Ang hahanapin natin ay 80 points at least.
00:57.4
Tapos 10 years na sana sila na nandoon sa kanilang in-existence.
01:05.4
And they own their head office. Hindi sila nag-re-rent.
01:10.2
And then, personal equity retirement account.
01:18.3
So this is actually some sort of like marami siyang pwedeng investment doon.
01:27.4
Sa loob ng pera account.
01:28.4
So we also have this as non-OFWs up to 100,000 maximum yung nilalagay namin.
01:35.5
Sa OFWs kasi hanggang 200,000.
01:39.2
So ito ay voluntary account.
01:41.2
Pang dagdag ng retirement.
01:43.8
May tax benefit siya.
01:45.7
And you can only withdraw your investment once you reach 55 years old.
01:50.6
So sa akin, that would be 10 years from now.
01:54.0
So yun. Yan yung pera account.
01:56.7
So yung pera account, pwede tayong may UITF yan.
02:00.3
May mutual funds siya. May annuity siya. May insurance pension product.
02:04.4
So iba-iba. Mamimili ka din doon sa loob ng pera account.
02:11.1
Pre-need, pension, shares of stock, exchange-traded fund, government securities.
02:15.9
Yan yung mga laman nun.
02:18.0
Another investment product, pwede rin na invest ka sa franchise.
02:23.7
Kasi operate mo na lang yan.
02:26.7
Kailangan mo lang siyang aralin ng mabuti.
02:29.8
At kumuha ka ng franchise na medyo ginagamit mo na.
02:33.1
Malapit yung puso mo doon.
02:34.5
And tried and tested yung brand.
02:38.2
Another one, yung mga cryptocurrencies.
02:43.3
So huwag po tayong pumasok dyan.
02:46.4
Cryptocurrency, decentralized siya.
02:49.6
Blockchain technology ang ginagamit.
02:54.6
At walang institution.
02:56.7
Individual na nagde-determine, nag-value ng cryptocurrency.
02:59.8
So it's really just up to the market.
03:01.9
Kaya very volatile siya.
03:03.4
Admittedly, pataas yung market ngayon.
03:06.0
Pero nakakakaba para sa akin.
03:08.5
Pag nangyayari yan sa Bitcoin, mas kinakabahan ako more than anything.
03:11.7
Kahit na, di ba nakakatawa?
03:13.3
Magkano lang yung exposure?
03:14.4
Para sa 5,000 piso lang.
03:16.3
Ay kinakabahan ako.
03:18.1
So it's not regulated.
03:19.6
That's why I don't like it.
03:20.7
Kapag may nangyari sa'yo,
03:23.2
nako, sa kanino ka magreklamo?
03:26.7
So ako, kasi yung cryptocurrency, pwedeng dumiretso ka doon sa blockchain.
03:30.2
Doon talaga, wala kang tatakbuhan.
03:31.8
Yung sa akin, I do it with either,
03:35.5
I do it with Maya.
03:36.8
Maya, yung Maya Savings.
03:38.8
Yung sa kalaban ng globe.
03:41.7
So kapag nagka-problema,
03:43.8
pwede kong puntahan yung Maya at mga usapit sila.
03:46.8
Pero sa halagang 5,000 pesos.
03:49.3
Oh, si Leia, nag-deal ang gold.
03:51.6
Sabi niya, what are my thoughts on gold investments?
03:55.3
So, ito naman yung sa gold investing natin, ano?
03:59.5
Investment ba siya?
04:01.0
So kung mag-invest tayo sa gold,
04:03.3
yun lang tayo dun sa bullion na tinatawag, no?
04:06.1
Yung sa mga coins,
04:07.9
or blocks, or bars.
04:10.8
Kasi kapag nagtitrade ng gold,
04:14.8
yung craftsmanship nawawala.
04:17.0
Kasi literally po, tinutunaw yun eh kapag tinitrade na.
04:21.1
Yung mga, di ba, sinusobasta?
04:24.8
Tapos gagawin coins, or blocks, or bars,
04:27.5
which is the bullion.
04:28.7
So, okay naman yan kung bullion ka mag-invest.
04:33.7
Yung jewelry, yan yung gold with workmanship or craftsmanship.
04:37.4
So may value na daw yung craftsmanship.
04:39.5
Pero kapag trinade mo siya, gold per gram,
04:43.6
tinatanggal yung workmanship.
04:45.9
So kung maganda man yan o hindi, kasi ano yun eh,
04:48.7
napaka-subjective niyan.
04:51.5
Yung magandang gold na isang gram mo,
04:54.2
at hindi magandang gold na isang gram mo,
04:57.3
at the end of the day, pareho pa rin silang isang gram.
05:00.8
So, gold investing is done with bullion and not in jewelry.
05:05.8
Weight is important in gold investing rather than workmanship.
05:12.5
So, ang gold jewelry as an investment,
05:16.9
so bought from professional and trustworthy sources,
05:19.5
can give certificates from internationally recognized gemological institutes.
05:24.2
hindi ako, hindi rin ako believer nito, no?
05:26.3
Consider the name of the designer, ganyan.
05:29.8
sa totoo lang, Leia, no?
05:32.8
If you're asking me,
05:36.0
ang bagong gold equivalent sa panahon natin ay bitcoin.
05:43.7
yung gold, meron pa nga siyang industrial use eh.
05:48.5
una, hindi rin siya nag,
05:49.9
hindi siya business,
05:51.3
hindi siya nag-create ng interest or dividend,
05:54.2
na siya store of value siya.
05:56.2
Ganon din yung bitcoin.
05:57.3
So, yun, hindi rin ako nag-i-invest sa bitcoin.
05:59.6
Eto, ito yung aking,
06:00.9
hindi naman siya investment kasi commitment ring yan.
06:06.3
I hope I answered your question.
06:07.5
So, it's a no for me, yung gold investment.
06:17.2
So, hospital stocks,
06:19.8
corporate offices of hospitals,
06:21.9
kailangan registered sila and approved by the,
06:24.7
Kasi, ang nakikita ko,
06:26.8
maraming mga hospital stocks,
06:29.4
nag-offer sila to more than 19 investors.
06:32.2
Pero, hindi silang public corporation.
06:36.0
So, may mga kailangan,
06:37.7
may secondary license kasi dapat nakukunin yun eh.
06:40.2
So, siguraduhin nyo lang na may secondary license sila.
06:43.5
So, may other benefits kasi yan,
06:45.6
dahil you can get discounts for the hospital room,
06:51.7
At mga operating rooms and delivery rooms.
06:54.1
Kaya, maraming na-attract dito.
06:56.3
Pero, you just have to make sure na
06:58.3
pag nag-retire ka or ano,
07:00.6
dun ka talaga sa may malapit na hospital na yun, no?
07:05.6
At dun ka talaga magkakasakit, kumbaga.
07:08.8
So, medyo mahaba yung foresight mo dapat dito.
07:13.3
It can earn dividends, no?
07:17.2
It can be a good alternative for health insurance.
07:20.8
Pero, ako, admittedly,
07:22.7
wala pa po akong experience.
07:24.0
Sa hospital stocks,
07:26.3
babalitaan ko kayo kapag nagka-meron.
07:31.4
So, yan yung ating
07:33.1
building and fortifying
07:35.1
our investment portfolio.
07:38.5
Ako po si Sir Vince.
07:40.2
Nagsasabing ang pagyaman na pag-aaralan
07:42.4
at na pag-tutulungan.
