00:54.2
So yung investment, ito yung outlay ng pera usually for income or profit.
01:01.1
Oh, yan ang sabi ni Miriam Webster, okay?
01:06.9
So dapat may pera ka muna, di ba?
01:09.7
Kaya nakakaloka minsan eh kasi may mga nagpapaturo sa akin na,
01:13.5
Sir Vince, turuan mo naman kami ako na mag-invest, ganyan.
01:18.1
Okay, magkano po yung i-invest natin?
01:20.0
Magkano na ba yung kahit ma na...
01:22.0
na save natin dyan?
01:23.4
Ay, 5,000 pesos po.
01:27.0
Uy, hindi naman sa minamaliit natin yung 5,000 pesos ha.
01:30.5
Marami na tayong pwedeng magawa sa 5,000 pesos.
01:32.7
Pero pang emergency fund pa lang yan, ha.
01:35.8
So, yun yung, ano natin, kailangan talaga natin na magkaroon muna ng pera
01:41.2
at yan ay manggagaling sa ating active income, okay?
01:44.9
So, ang investment din, this is the act of putting money, effort, time,
01:52.0
et cetera, into something to make a profit or get an advantage.
01:58.5
O, yan naman ang sabi ng Cambridge Dictionary.
02:01.7
So, anong kaibahan nito din sa Merriam-Webster?
02:03.9
Ang kaibahan niya ay dinagdagan na hindi lang pala pera ang ini-invest natin.
02:10.9
Pwede din ang ating effort, energy natin yan, at oras, okay?
02:16.4
So, tatandaan natin yan, ha.
02:17.9
And, ito naman yung definition natin.
02:21.2
The act of purchasing.
02:22.0
A financial product, asset, or other item of value with an expectation of favorable future returns.
02:30.0
So, kumaas na tayo na advantage sa atin na tayo ay magkaroon ng,
02:37.9
ano yan? May fireworks na nagaganap? Bakit ganun?
02:41.8
Ano yung sign na ginawa ko? Yan ba? Yan ba yun? Yan ba yun? Ay, hindi ko alam.
02:47.3
So, may fireworks na nagaganap na effect. Hindi ko alam kung bakit.
02:52.0
Anyway, so, kailangan favorable returns. At anong ibig sabihin yan?
02:56.4
Hindi yung mag-i-invest tayo tapos sasabihin natin, ah, okay lang na mawala yan sa akin.
03:01.3
Parang, di ba, may mga nagsasabi na only invest what you can afford to lose.
03:05.5
Aba, talaga naman, ang yaman nyo, ha?
03:08.3
Ganun ba talaga yung gusto natin na pag-i-invest?
03:12.5
So, dapat favorable yung returns. At hindi yung ipinagsasapalaran natin, nagsusugal tayo, o pinagdadasal na lang natin na maging positive yung returns.
03:21.2
Kasi, dapat mayroon tayong certain level of degree ng confidence na ito ay makukuha natin.
03:29.1
Ako, I always work with about 95% sure. Kasi, mayroon naman talagang risk pa rin dyan, no?
03:36.2
Which brings us to a point.
03:38.6
Kung money, effort, and time yung ini-invest natin for favorable future returns, paano sinusukat ang yaman, di ba?
03:48.3
So, kapag sinusukat natin yung yaman, ay usually, di ba, ang tinatanong natin, marami ka bang pera?
03:57.5
Meron ka din kasing mga mayaman na maraming oras.
04:00.2
Naku, yung mga tambay sa kanto, di ba?
04:02.5
Baka, wala silang pera, pero mayaman na yan sa oras, di ba?
04:08.9
Super dami nilang oras, di ba?
04:11.6
At meron na bang mga tao na sobrang daming pera, pero wala silang oras.
04:16.9
Wala silang oras.
04:18.3
Enjoy yung kanilang kayamanan.
04:21.4
So, ano yung ibig sabihin nun?
04:23.7
Ang tawag dun ay golden handcuffs, di ba?
04:31.1
Yun ang tawag dyan.
04:32.0
Marami kang pera, pero wala kang oras.
04:35.1
Dahil ikaw ay corporate slave, ikaw ay kailangan mag-servisyo sa mga kliyente mo 24x7, kasi binabayaran kanila ng malaki.
04:46.0
Naku, alakalan nyo lang talaga yung mga maraming pera.
04:48.8
Eh, happy-happy ang mga yan.
04:50.4
Hay naku, marami akong kilala, maraming pera, pero hindi sila masaya, malungkot.
04:56.1
Dahil nga, everyday sila nasa stress sa kanilang trabaho at nakakasama pa nila yung kanilang boss at ang kanilang mga kliyente more than their family and friends.
05:08.1
Ganun ba talaga ang yaman na gusto mo?
05:11.2
At yung third na point nga natin ay marami kang energy.
05:17.2
So, pwedeng marami kang pera, marami kang oras, pero sakitin ka naman.
05:29.3
Parang, ito yung usual na nangyayari dyan.
05:32.3
Parang, ah, okay, aantayin ko na mag-65 ako bago ko i-enjoy ang lahat-lahat ng mga ito.
05:39.2
So, mag-iipon ako ng maraming pera at magsasakripisyo muna ako ng oras, no?
05:45.9
Pagdating ko ng 65 years old, pagdating ko ng retirement ko,
05:48.5
ay dyan ko na talaga ibubuhos ang aking energy sa aking mga kapamilya, mga minamahal sa buhay.
05:59.9
Kasi yung oras na ipinagpaliban niya na i-spend sa kanyang family and friends,
06:06.6
o kaya magpahinga, ayan, nagsakripiso siya, ayan, nagkaroon siya ng diabetes,
06:11.1
nagkaroon ng hypertension, nagkaroon ng sakit sa puso, ayan, maagang namatay.
06:15.3
Hindi rin niya na-enjoy.
06:15.9
Hindi rin niya na-enjoy.
06:16.6
Kaya ano yung ating titignan dito?
06:18.9
Ang titignan talaga natin dito dapat ay babalansihin natin yung tamang amount of pera, oras, at energy
06:25.7
para makuha natin yung masayang buhay.
06:30.3
So, kailangan meron tayong maayos na kalusugan, maraming kaibigan at minamahal tayo ng ating pamilya, no?
06:36.0
At yun, meron din tayong dapat pera, di ba?
06:40.8
Actually, nag-ano lang kami, no?
06:42.8
Nag-meet kami ng aking friend sa Thailand.
06:48.3
Yung friend ko sa Thailand ay,
06:50.6
My God, P-Bat, I hope you are listening, ha?
06:54.5
Because, you know, we're very good friends, Bat.
06:57.6
It was after 23 years that we met again, no?
07:02.1
So, 23 years kami na nagkita ulit.
07:06.0
So, nakakaloka, di ba?
07:07.4
Pero parang wala lang nangyari.
07:08.7
Pero ang sinasabi niya ay, you know, I like this age where we are now.
07:12.8
So, we have time, we have energy, and we have money.
07:17.4
Because 23 years ago, we don't have that much money.
07:21.7
Yan yung chika ni Bat sa akin, kaibigan ko, from Thailand.
07:26.9
O, kakagaling pa lang kasi ng Bangkok.
07:30.5
Anyway, so yun yung investment at saka sa pagsukat ng yaman.
07:34.7
Tapos meron din tayong pinatawag na socially responsible investment.
07:38.0
So, alam nyo naman po, ha?
07:39.7
Yan talaga ang aking, ano, di ba?
07:42.8
Yung aking advokasya.
07:44.2
At yan talaga yung aking kinikilingan, no?
07:46.6
Kasi ito yung mga investments na ginagawa natin sa mga companies natin,
07:52.1
sa mga organizations, and funds,
07:54.6
with the intention to generate a measurable beneficial social or environmental impact
08:00.0
alongside a financial return.
08:03.7
So, ang sinasabi ng socially responsible investment,
08:06.0
hindi lang, ano, hindi sapat na tayo ay kumikita lamang.
08:11.6
Dapat, yung pinaglalagyan natin ng pera, yung pinaglalagyan natin ng ating negosyo, no?
08:19.9
Ay nakakatulong sa society.
08:23.1
Hindi siya nakakasira ng mga relasyon.
08:26.8
Hindi siya nakakapagpahirap ng buhay.
08:29.7
Nakakapagpaganda siya ng buhay.
08:31.4
At hindi rin siya naninira ng ating kalikasan.
08:35.1
So, ang tanong natin ay,
08:37.9
which do you prefer?
08:40.9
Or socially responsible investments?
08:44.3
Ano ba yung gusto ninyong klase ng investment?
08:49.2
So, ano yung mga investment misconceptions?
08:52.0
Sabi kasi, ay, ayokong mag-invest kasi complicated yan.
08:56.2
Sa mga professional managers na lang yan ipa-ano, no?
09:01.9
Anong tawag dyan?
09:04.4
Ipamanage niya lang sa kanila, no?
09:06.2
Nakakapareho lang yan ng pagsusugal, no?
09:10.9
Dalihan naman talaga ay para sa mga mayayaman.
09:14.7
naku, kumakain ng oras.
09:17.6
O, yan yung mga misconceptions about investment.
09:20.9
pag titignan natin, no?
09:22.0
Itong mga complicated na,
09:25.9
may sagot tayo dyan, eh.
09:26.9
Itong mga pagiging complicated, risky,
09:29.1
best left to professionals,
09:32.3
Pag nakikita nyo dyan,
09:33.9
ay pwede naman na pag-aralan natin
09:36.4
para hindi siya maging complicated,
09:37.8
para mabawasan ang pagiging risky niya,
09:40.9
at para hindi tayo umaasa, no?
09:42.5
Sasasabihin na lang ng mga fund manager
09:44.4
o kaya mga itago na natin sa mga pangalang
09:47.4
financial advisors, diba?
09:50.8
So, kung alam mo kasi,
09:52.2
yung pinapasok mo,
09:53.0
bumababa yung risk niyan, eh.
09:56.2
So, kaya napag-aaralan.
09:57.5
At napagtutulungan din ito
09:59.1
kasi sabi, eh, designed lang yan for the rich, no?
10:01.7
Kaya nga tayo ngayon,
10:03.6
nagtutulungan tayo, no?
10:04.9
At pagsumali kayo sa SEDP Co-op,
10:06.7
yan talaga yung tulungan.
10:08.9
At time-consuming daw, o yan, diba?
10:10.7
At time-consuming,
10:11.9
eh, huwag mo kasing solohin, diba?
10:14.2
Pagtulungan nyo with your family members.
10:16.1
Hindi lang dapat ikaw talaga
10:17.3
yung umiintindi ng investment, no?
10:21.0
So, ano yung mga benefits ng investing?
10:23.9
So, it will generate income for the investor.
10:27.7
It will hopefully beat inflation
10:29.7
para ma-maintain yung purchasing power
10:32.9
It will strengthen the purchasing power
10:35.2
Kung better than inflation,
10:36.5
yung rate na nakukuha mo, no?
10:38.3
Mayroon din itong tax benefit,
10:40.7
Kasi ang mga investors,
10:42.7
mas malikit yung tax rate
10:44.6
compared sa labor, no?
10:47.1
And nakaka-afford tayo
10:48.8
ng higher standards of living
10:51.0
and it can lead to financial empowerment.
10:53.5
Hindi ka matatakot
10:54.2
na iiwanan ka ng jowa mo
10:55.6
kasi mayroon kang investment.
10:57.5
Confident ka na kayang-kaya mo, diba?
11:00.6
So, ano yung mga categories natin
11:03.2
Mayroon tayong tatlo, no?
11:04.8
So, the three categories of investments are
11:07.2
lending investments,
11:08.6
ownership investments,
11:09.6
and entrepreneurship.
11:10.7
Or establishing your own business.
11:13.7
Yung lending investments,
11:15.1
ito yung mga financial product
11:17.1
where you will lend your money,
11:19.0
o pinapahiram mo,
11:20.3
pinapakutang mo yung iyong pera,
11:22.3
to an individual or organization
11:25.4
you gain interest or income.
11:27.7
Ano mga examples nito?
11:28.9
Mga savings accounts natin,
11:31.9
money market accounts,
11:33.2
mga debt obligations.
11:34.4
Pag nagpautang tayo,
11:35.5
na may kontrata, ha?
11:37.0
Kasi kapag walang kontrata yun,
11:39.0
parang drenowing lang na
11:40.5
natin yan sa tubig, no?
11:43.1
At hindi natin siya talaga masisingil, diba?
11:46.0
Hindi siya enforceable.
11:47.3
Your word against mine, diba?
11:51.4
So, these are our examples of
11:53.0
lending investments.
11:55.0
Ownership investments,
11:56.2
ito naman po yung mga examples niyan, ano?
12:01.0
real estate management,
12:03.0
and joint ventures.
12:04.5
Ano yung kaibahan nito sa lending, no?
12:06.8
Yung ownership investments,
12:08.3
nagiging may kamay-ari
12:10.1
or may-ari o kamay-ari ka.
12:13.1
So, may-ari, 100% sa'yo
12:14.7
or kamay-ari partial, okay?
12:18.4
So, it entails becoming an owner, no?
12:20.9
Of a business or property
12:22.1
when you invest, okay?
12:24.7
And then the third type of
12:27.1
category of investment natin
12:28.9
ay entrepreneurship.
12:30.0
Ito yung pagnenegosyo naman.
12:31.8
So, this is the process of designing,
12:33.6
launching, and running
12:34.6
a new business or venture
12:36.0
with the aim of generating
12:37.7
financial returns
12:38.7
and growth opportunities.
12:40.1
So, dito nag-a-identify tayo
12:43.0
and nagka-capitalize
12:44.1
on market opportunities.
12:46.3
Oh, emphasis ha sa
12:47.9
emphasis natin yan ha
12:50.0
sa market opportunities.
12:52.9
Ito kasi ang dami mga OFWs eh.
12:55.6
Marami kasi na mga
12:56.6
nagtatayo ng business.
12:58.7
Pero actually, yung business nila
13:03.4
doon sa kanilang mga
13:06.9
tito-tita, pinsan,
13:10.1
Dito sa Pilipinas.
13:12.3
Hindi talaga siya
13:13.4
market opportunity.
13:17.0
So, yun yung kailangan natin
13:19.6
nagbibisnes para lang tayo
13:24.5
para tumigil na nga yung
13:25.2
kapatid ko na yan.
13:26.3
O, kaya yung nanay at tatay ko,
13:27.7
bigyan mo na nga ng business yan
13:28.7
para hindi tayo ginugulo.
13:33.1
sa business then,
13:34.8
we create innovative products
13:36.9
So, talagang may mga produkto
13:41.2
Pero, iwas natin yung
13:44.9
ang napansin ko sa mga
13:46.4
Pilipino talaga ay
13:47.9
marami yung mga gaya-gaya.
13:52.5
kung may nagtayo ng
13:53.3
ang marami ngayon na naingganyo
13:56.1
water refilling station.
13:57.5
So, may magtatayo ng
13:58.4
water refilling station dito.
13:59.6
Aba, magpapatayo din siya
14:00.6
ng water refilling station dyan.
14:02.8
magkokumpit sila,
14:04.9
pareho silang mamamatay.
14:08.6
Maggawa tayo ng business
14:09.8
na complementary.
14:12.7
yung water refilling station,
14:14.4
yung kanyang business,
14:16.9
ang ibenta mo na lang
14:17.7
ay ikaw yung nagbibenta
14:20.3
or something, no?
14:22.1
kausapin mo siya na,
14:24.4
ano, mga water refilling station dyan,
14:27.9
at sabihin mo na,
14:28.6
oy, ako na lang yung
14:31.2
Ako yung gagawa ng
14:34.1
complementary things, no?
14:37.0
everyone to thrive.
14:40.3
Ano ba yung mga steps natin
14:42.9
ano yung mga steps natin
14:47.1
So, we have five steps
14:50.1
So, the first step is
14:51.2
you have to invest in yourself.
14:54.1
make a financial plan.
14:57.0
dapat kumuha muna tayo
14:58.7
ng government-mandated benefits
15:00.8
bago tayo mag-start
15:02.8
sa mga kung ano-ano
15:03.6
pang mga investment.
15:05.4
itong mga nandito naman,
15:07.1
Pag-ibig OWA, no,
15:09.0
investment din yan.
15:10.1
Very basic nga lang.
15:13.1
kailangan mag-save muna tayo
15:14.4
at kumuha ng insurance.
15:17.2
Habang nangyayara yung
15:19.8
ay mag-research ka muna
15:21.4
bago ka mag-invest.
15:23.5
mabigay muna yung pera mo,
15:24.8
tapos hindi mo pala alam
15:25.9
naintindihan yung terms
15:31.7
invest in yourself?
15:34.4
So, investing in yourself
15:35.9
is we learn new things, no?
15:37.9
So, may mga free online
15:39.0
courses tayo dyan.
15:41.2
mayroong tayong mga
15:43.6
na very affordable.
15:46.3
1,000 pesos lang yan
15:53.7
yung regular rate natin dyan.
15:56.0
matend ng seminars
15:58.4
ng mga educational books, no?
16:00.8
widen your network.
16:03.1
Increase your confidence,
16:04.5
build meaningful relationships,
16:09.0
you can also learn
16:11.0
and take care of your health, no?
16:12.5
Because health is wealth.
16:15.2
So, yan yung ano, ha?
16:16.4
Investing in yourself.
16:20.0
to have a financial plan.
16:21.7
So, dapat gumawa tayo
16:22.6
ng mga financial plan, no?
16:32.5
having a financial plan,
16:34.5
you have to start
16:35.3
with your financial
16:37.7
where you are financially.
16:39.9
ng ating life goals
16:44.5
based dun sa life goals
16:45.8
and priorities natin.
16:48.4
yung ating mga financial goals
16:49.9
with our source of income, no?
16:53.9
sources of income
16:55.7
iba't ibang klase
16:56.6
ng iyong mga life goals.
16:58.3
So, mas maganda yun,
16:59.0
multiple sources of income.
17:01.6
i-implement natin
17:03.3
yung iyong progress.
17:08.2
Yung number five,
17:11.1
gagawin mo na eh, no?
17:12.3
I-implement mo na siya.
17:15.6
sa step three natin,
17:17.8
government-mandated benefits.
17:22.6
foundation for health insurance.
17:25.2
Yung pag-ibig natin,
17:26.8
our foundation for savings.
17:29.0
Yung social security system natin,
17:32.2
that's our foundation
17:33.3
for retirement, no?
17:34.8
At yung OWA naman,
17:36.3
this is our foundation
17:37.5
for repatriation.
17:40.0
pag may mangyari sa inyo
17:41.0
at gusto nyo magpalibing
17:42.0
dito sa Pilipinas,
17:43.3
ay makakatulong yung
17:47.4
And then, step four,
17:49.1
kumuha muna muna tayo.
17:51.4
ng ating emergency
17:54.4
So, yung emergency
17:56.1
should be nine times
17:57.6
your monthly expenses.
18:00.5
So, yan muna yung
18:03.2
So, kung nine times
18:04.3
of your monthly expenses yan,
18:05.6
naku, ilagay muna siya
18:08.7
So, yung nine times
18:08.9
kaagad na nakukuha.
18:09.7
Part of it, ilagay mo rin
18:10.9
sa savings account mo
18:14.8
ay huwag mong ilagay
18:17.1
sa very accessible
18:18.7
kasi baka ma-withdraw mo
18:19.7
lang ng mabilis, no?
18:22.0
So, emergency savings
18:24.3
your savings account
18:26.0
or online function,
18:28.7
modified pag-ibig
18:31.3
at government bonds
18:32.4
or treasury bills.
18:34.7
sa mga money market funds
18:40.3
is to get insurance.
18:41.9
So, para sa protection
18:43.5
ang insurance, ha?
18:44.4
Hindi siya para sa investment.
18:45.7
Kaya, murang-mura lang ito.
18:47.3
Kung kailangan ninyo
18:48.3
ng more information
18:52.0
online course dyan.
18:54.1
At, self-paced naman yan.
18:56.1
I-promote natin yan
18:58.4
So, i-consider mo
18:59.2
yung mga sumusunod.
19:00.2
Your general status in life,
19:02.4
at may mga dependents ka ba,
19:04.8
unencumbered assets,
19:06.7
and financial goals.
19:09.4
titignan mo rin yung capacity mo
19:10.8
to pay the premium.
19:15.7
before you invest.
19:16.9
So, magbasa tayo ng libro,
19:18.2
matend ng seminars,
19:19.6
manood kayo ng ating mga videos,
19:22.3
Mag-validate din kayo
19:24.0
from independent sources
19:25.7
and disinterested parties
19:27.5
para wag kayo dun
19:28.8
sa mga nagbebenta
19:29.9
kumuha ng information.
19:31.7
yung mga magaganda lang
19:32.6
yung sasabihin nila, diba?
19:34.8
gather testimonies.
19:36.5
So, kumuha ka ng mga experience
19:38.3
ng mga iba dyan, diba?
19:40.2
So, tignan lang natin
19:41.6
kasi meron kanina dito
19:42.6
yung sa galing pa siya
19:47.5
Ang LSE batch 7 kasi yan eh.
19:49.8
So, siguro mga 2015 pa yan, no?
19:53.0
So, ibig sabihin si Oscar
19:54.1
ay siyam na taon ko
20:01.8
yung mga kapanalig natin
20:04.2
sa financial literacy.
20:06.7
And always remember,
20:08.3
we have to choose
20:10.2
sexy investments.
20:12.2
And sexy stands for
20:14.0
security and cashability,
20:17.0
X factor for social and environmental protection,
20:20.5
and yield or returns.
20:22.4
At ipaprioritize po natin ang sex,
20:24.7
security and cashability at X factor
20:29.3
Which is our yield.
20:30.3
So, uunahin muna natin itong
20:33.7
bago ang kita natin na Y.
20:37.0
So, yan po ang ating
20:38.4
sexy investment framework.
20:42.1
Kaya, iniimbitahan ko po kayo
20:44.2
na maging sexy investor katulad ko, no?
20:50.4
Because in investing,
20:52.5
sustainability should be included, no?
20:56.2
So, positive social impact
20:57.8
and environmental protection,
20:59.6
yan dapat ay kasama, no?
21:01.6
Hindi siya optional or secondary.
21:03.2
Dapat kasama siya sa ating analysis.
21:07.0
takes good business sense
21:08.5
if we take a look at this, no?
21:09.9
Kung meron talagang
21:10.8
environmental and social impact siya.
21:13.4
Because it will ensure long-term benefits
21:15.3
not just in financial gains,
21:17.2
pero pati sa pagprotect ng ating
21:18.9
social fabric and nurturing the
21:24.0
Ako po, si Sir Vince,
21:25.4
ang inyong financial guru.
21:28.4
ang pagyaman na pag-aaralan
21:30.7
at na pag-tutulungan.
