* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in
the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider
becoming a patron
to support these video transcriptions, and the other tools and apps built by Tagalog.com
00:00.0
So RTV versus Time Deposit naman tayo. Tignan natin ano ba yung pagkakaiba ng Retail-Treasury Bond versus Time Deposit.
00:10.0
Umpisahan natin ha. First, minimum amount sa Time Deposit nakakakita tayo as low as Php 1,000. Sa RTV po, Php 5,000 siya.
00:20.0
Ang term dito sa Time Deposit ay up to 5 years. Yung nakikita natin minsan may mga up to 7 years. Ang RTV po ay 5 years.
00:28.0
Ang guarantee PDIC up to Php 500,000 in banks, wala naman kapag kooperativa. Kapag dito sa RTV, 100% na government guaranteed.
00:39.0
Ang tax, 0% for co-ops sa Time Deposit. For banks naman ay mayroon tayong susundin. Kapag greater than 5 years ang term, 0% na po ang tax niyan.
00:50.0
Kapag less than 3 years ang ating placement, 20%. Kapag 3 years to less than 4 years, it's 12% tax. And 4 years to less than 5 years ay 5% na lang po ang tax niyan.
01:03.0
Sa RTV, no matter what, it is 20% withholding tax. At ang ating voting rights, parehong wala kasi hindi naman tayo nagkakaroon ng ownership sa Time Deposits and Retail-Treasury Bonds.
01:16.0
Where to open sa Time Deposit? Online banking or over-the-counter. Sa RTV, pwede po sa online sa website ng Bureau of the Treasury, sa OF Bank, Land Bank, at on-site sa mga branches ng participating banks.
01:31.0
Ownership, wala po. Ang capital loss, wala po. Napre-preserve ang capital natin in both Time Deposit at Retail-Treasury Bonds.
01:40.0
Next, tignan natin. Documentation, mayroon pong Time Deposit Certificate ang mga Time Deposits usually. Sa RTV po dito ay script-less na tinatawag. Mayroon pong mga dokodokumento na pinapadala na lang sa iyo.
01:53.0
May number-number. Sa Statement of Account na lamang po siya nakikita. Market Volatility, usually hindi siya ganoon ka lala. Pero mayroon dito sa RTV ng Kaunteks.
02:03.0
Sa Liquidity naman, with reduced interest rate if before maturity. Sa RTV po pwede natin itong i-benta sa secondary market but we can be exposed to capital losses.
02:16.0
Which makes this a bit, yung market volatility medyo naka-apektohan tayo niyan.
02:22.0
Sunod naman ang pag-usapan natin ay ang purpose. So ang Time Deposit, pang emergency fund natin yan. Housing, Education, Retirement. RTV, pang Housing, Education, Retirement, pamana at health fund.
02:36.0
Sa Eligibility, anyone sa Time Deposit. Maski foreigner, pwede. Dito sa RTV, mga Pinoy lamang ang pupwede.
02:45.0
Socio-political risk, very low po on both. So kapag gagamitin natin ng ating Sexy Investment Framework, ano po ang lalabas dyan?
02:55.0
Security, RTV is more secure than Time Deposits. In our Sexy Investment Framework and Cashability or Liquidity, Time Deposits are more liquid and more accessible than RTV.
03:10.0
So angat ng konti ang Time Deposits dito. Ang x-factor, RTV supports government programs. Co-op Time Deposits usually helps nano, micro, and small enterprises.
03:23.0
Ang yield naman po, tingin po, at par. Time Deposits and RTVs, at par ang kanilang yield.
03:30.0
Five-year term po, pareho. Ito na titingnan natin, i-co-compare natin sa Commercial Bank, Rural Bank, Co-operative ng mga Time Deposits at RTV-28.
03:42.0
Gagamitin natin ang five years kasi ang RTV-28 ay 5.5 years. So parang pare-pareho ng very light.
03:48.0
Sa Php10,000, 0-4% sa Commercial Bank, 1-5% sa Rural Bank, 3.25-6% sa Co-operative at sa RTV-28 ay 5.75%.
04:02.0
Sa Commercial Bank, Php100,000, 0-4.7% ang interest, 1.25-6% sa Rural Bank, 3.25-6.5% sa Co-operative at 5.75% sa RTV-28.
04:19.0
Php1,000,000 ang plinase natin for a period of five years sa Commercial Bank, that's 0-5%. Sa Rural Bank, it's 1.5-7%. Sa Co-operative, 3.25-3.5%. At sa RTV-28 ay 5.75%.
04:37.0
So what is my verdict here? What is my judgment? I think RTV is a secure long-term investment to finance our life goals such as retirement, education, housing, etc.
04:52.0
If you need more liquidity, accessibility, go for time deposits. But in general, I think RTV is a good part of our investment mix for diversification.
05:04.0
Ako po si Sir Vins, ang inyong financial guro, nagsasabing ang pagyaman na pag-aaralan at napagtutulungan.
05:11.0
Thanks for watching! Kung may kapamilya, kaibigan, o pakilalakang tingin mo ay magiging interesado dito sa video, please share to them or tag them in the comments section.
05:23.0
Syempre, kung nagustuhan mo ang video, pusoan mo na ito. Subscribe ka na rin.
05:29.0
As always, feel free to write your questions, comments, and opinions respectfully.
