01:05.3
Okay, so yung ating life goals kasi ay napakahalaga niyan eh.
01:10.5
Parang for example, hindi mo ipagsasapalaran ang pera na nakalaan para sa pag-aaral ng iyong anak.
01:18.4
Ano yung ibig sabihin ng pagkikipagsapalaran? Yung maaari itong mawala or mabawasan ng malaki.
01:27.2
Hindi kaya dapat imamatch natin siya.
01:29.8
Okay, so ito yung mga categories ng fixed income securities.
01:34.9
So we have savings, so ito yung regular time deposits, MP2, money market funds, co-op savings.
01:41.7
And then we also have our bonds, which are retail treasury bonds, our retail dollar bonds.
01:47.8
Tapos meron din tayong preferred stock. Okay, so tatlong category siya. Savings, bonds, at saka preferred stocks.
01:55.1
Ayan, oh! Meron tayong katanungan.
01:57.2
Agree ba ngayon? Agree ba kayo na dapat may purpose ang iyong investment?
02:02.3
Oh, diba? So sige nga, agree ba kayo?
02:05.3
Actually, baka maganda na rin banggitin natin, ito ba yung purpose ng iyong investment?
02:12.6
Ako sa totoo lang ngayon, at lagi akong natatanong dito.
02:17.2
Kasi noong New Year, nag-usap kami ni Edwin sa livestream actually.
02:24.7
Kasi tapos napag-isipan, ay napag-anohan yung New Year's Resolution.
02:29.1
Tapos ang sabi niya, oh, ito ba ba? Ano pa bang mga pinag-iinvestan mo? Dahil nga, New Year's Resolution.
02:34.2
Ang sabi ni Edwin ay, nako, kasi gusto ko pa makapag-ipon para makapag-travel at makabili ng ganito, ganyan-ganyan, no?
02:43.0
Okay, tapos ako kinanong naman niya, ikaw ba? Ano ba yung mga purpose ng investment mo?
02:50.7
Sabi ko, actually, akong mas gusto ko na ngayon dahil...
02:54.7
Kagaling ko lang ng Maldives, kagaling ko lang ng Bangkok, at madalas akong nagbabakasyon sa totoo lang, ano?
03:01.1
At ang mas inaano ko na ngayon, ang mas nagiging priority ko ngayon, at doon ako excited,
03:08.0
ay kung nakakagawa ako ng mga paraan ng business model in order to uplift the lives of the low-income Filipinos, no?
03:17.8
So, anong ibig sabihin yan? Kung makakagawa ako ng produkto o servisyo na makapagpapaganda ng buhay nila,
03:23.9
yan ay ang bet na bet ko, diba? Yan yung gusto kong gawin.
03:28.9
Sabi ni Eddie, pero bayaan, nakiya naman ako sa iyong purpose, diba?
03:33.8
So, kaya kailangan talaga mayroon tayong purpose sa buhay.
03:41.4
Ano ba yung investment purpose natin?
03:44.1
Usually, for Zoomers, maganda na maglagay tayo sa fixed income securities
03:51.3
para magsimula tayo sa ating paglalakbay at pag-aralan yung mga klase ng investment na ito
04:00.1
kasi these are usually safer, diba?
04:03.2
Kung titignan natin yung listahan, sa savings, regular time deposit, MP2, money market funds, co-op savings, no?
04:10.6
Sa bonds, retail treasury bond, retail dollar bond, tapos merong preferred.
04:14.6
Pero huwag niyo munang anuhin yung preferred stock natin.
04:18.0
So, itong mga ito, kung ikaw ay Zoomer, no?
04:21.3
Anak ka noong 1997 to 2012.
04:27.6
O, tanga, kaloka naman. Ang bata. Oh, my God.
04:30.3
Anong ginagawa ko noong 1996?
04:32.2
1996 ko ako graduate ng high school. O, diba?
04:36.9
Ayan. Para sa mga Zoomers, yan yung tignan natin, no?
04:41.3
Maganda ito to begin your financial journey.
04:44.9
For millennials, mga pinanganak ng 1981 to 1996, no?
04:50.5
This is irrelevant.
04:51.3
This is a reliable way for you to secure your money to build a house or build education fund of your children.
04:58.7
So, pagpwede kang mag-MP2 para sa education ng iyong mga anak.
05:05.5
Kung ikaw naman ay magpapatayo na ng bahay, ay maganda na ilagay mo yan sa time deposit, no?
05:12.3
Kasi ito yung mga bagay na, kung kunwari ilalagay mo siya sa stock market,
05:17.0
tapos mag-aaral na yung anak mo, e bagsak yung market.
05:20.8
Mahirap na maipagsapalaran kapag, makipagsapalaran kapag gano'n, okay?
05:25.3
So, for Zoomers for Millennials, para naman sa generation namin, para sa mga Gen X, no?
05:31.0
Mga pinanganak ng 1965 to 1980. Ako po ay pinanganak ng 1978.
05:37.6
So, for investment diversification na ito, to balance risk and returns, and build our retirement portfolio, okay?
05:45.8
Kapag kasi, pag Gen X na, naku, malapit-lapit.
05:48.8
Kapag tinitignan ko nga, ano?
05:50.2
At 45 kasi ako ngayon, e.
05:51.7
Kung mag-re-retire ako at 60, that's just 15 years away.
05:56.0
My God, ang lapit na niya, diba?
06:05.8
E, 2025, ay 2024 na, diba?
06:11.5
Pag kayo rin po ay boomer, born 1946 to 1964,
06:15.8
the fixed income securities are actually a very good way,
06:20.2
to preserve capital and provide steady stream of income during retirement, no?
06:25.5
To replace your paycheck.
06:27.4
Okay, so isa-isahin natin itong mga fixed income securities.
06:30.6
Time deposit tayo, no?
06:32.4
So, ang time deposit, this is also called a certificate of deposit or term deposit.
06:37.6
It is a type of deposit in a bank or a cooperative.
06:41.3
So, pwede rin yan.
06:42.6
At may agreement tayo that the money will not be withdrawn within a given term.
06:49.4
ang misconception ay bawal i-withdraw kung hindi po natatapos yung term.
06:55.4
Hindi po siya bawal.
06:56.9
Pwede ang pre-termination, no?
07:00.0
And sa time deposit, you can withdraw it anytime
07:03.4
and the capital principal or corpus of your money is preserved.
07:08.5
Ibig sabihin, hindi mababawasan yung perang inilagay mo.
07:12.3
Ang magkakaroon lang ng difference ngayon ay yung iyong interest na makukuha.
07:19.4
Ay bababa na siya.
07:20.5
So, yun yung pinaka-penalty niya.
07:22.4
So, kunwari, ang time deposit ay 5%, for example, per annum, no?
07:28.0
Tapos, pre-determinate mo siya.
07:29.9
Ang usual na nangyayari is nire-revert nila yan into a regular savings rate.
07:35.7
So, instead of 5%, magiging, kung sa commercial bank yan, magiging mga 0.5%, no?
07:40.7
Maswerte ka na kung 0.5%.
07:42.3
Sa mga cooperatives naman, so from 5%, baka magiging 1%.
07:49.4
So, kayo sa ating Usapang Pera group, kasi nakita ko kanina,
07:52.5
umabot na pala tayo ng mga 177,000 members doon.
07:57.5
Kaya, gusto nyo mag-build ng network at magkaroon ng mga tao who have similar interests?
08:03.8
Ayan, join kayo sa ating Usapang Pera group.
08:08.0
So, another form of fixed income security is pag-ibig MP2.
08:13.0
So, yung magpag-ibig MP2, this is the Modified Pag-ibig Savings 2.
08:17.4
So, meron tayong regular pag-ibig.
08:19.4
Pag-ibig P1 yun, yan yung 150 pesos na pinabayaran natin every month.
08:25.1
Yung pag-ibig MP2 naman ay voluntary.
08:28.2
Kasi yung P1 ay required siya.
08:31.4
Mandatory or compulsory siya.
08:34.5
So, this is open to all P1 members and even retirees, no?
08:38.8
Ang voluntary savings program natin na ito ay may minimum na 500 pesos na contribution.
08:45.7
So, may tax-free ang makukuha natin na...
08:49.4
Dividends dito at government guarantee siya.
08:52.4
Kasi this is fully backed by the taxing power and the ability to print money of our government.
09:00.7
Long-term savings ito kasi 5 years ang term.
09:03.3
It can be withdrawn before 5 years na walang penalty if the reason is total disability or insanity,
09:10.9
separation from work by reason of health or kamatayan.
09:15.5
Tapos kung wala dyan yung reason,
09:18.1
o magiging half lang.
09:19.4
Yung kikitain mo.
09:20.8
Kung kunwari, last year, ang dividend ng pag-ibig ay 7%.
09:26.7
So, 3.5% na lang yung i-apply sa'yo instead na yung buong 7.5%.
09:32.4
So, buo pa rin yung pera mo at kumita pa rin ng kalahati.
09:36.4
And this is the performance of pag-ibig MP2, ha?
09:40.6
Since its inception in 2010.
09:44.2
At kung makikita natin siya in the past 5 years, no?
09:50.0
Ay parang nagiging consistent siya.
09:51.6
If you take a look at this, no?
09:52.8
Nagiging consistent siya na 6 to 7% since 2016.
10:00.1
And napibit niya parata yung inflation.
10:02.7
So, this is a very good way to protect your money's purchasing power.
10:09.2
So, saan ba pwede magbukas ng pag-ibig MP2?
10:12.7
Pwede sa mga branches.
10:14.1
Pwede sa virtual pag-ibig.
10:16.2
Pwede rin through your employers.
10:18.4
Mag-coordinate lang kayo sa MP2.
10:19.4
Pwede rin yung accounting or sa HR.
10:21.2
At syempre, pwede rin po sa SEDPI.
10:23.6
Dahil ang SEDPI po ay Accredited Collection Agent ng pag-ibig.
10:30.1
Another form or another example of fixed income securities ay
10:34.4
ang ating joint venture savings.
10:37.9
So, ano ba yung joint venture savings natin?
10:42.0
O dito sa SEDPI ko, o.
10:43.4
So, kayo as our kasosyo will support a specific project
10:47.4
or socially responsible.
10:49.4
Call investment to support, no?
10:51.1
Kasi doon sa traditional, conventional na savings,
10:55.2
ilalagay mo lang yung pera mo.
10:56.3
Hindi mo alam kung saan nila gagamitin.
10:59.2
So, tayo pipiliin ninyo kung saan yung ilalagay.
11:02.4
So, alam nyo yan kung saan siya gagamitin.
11:05.2
So, pwedeng through ito ay working capital,
11:07.4
share capital, o kaya retail estate joint ventures.
11:11.5
Yung business partners natin, yung ating mga kanegosyo,
11:14.7
they will now undertake the investment activity
11:17.2
or specific project.
11:18.9
So, you understand?
11:19.3
Yun yung tulungan portion ng ating SEDPI ko.
11:22.7
Kaya siya joint venture savings.
11:25.3
Business partners tayo in the form of savings, no?
11:28.2
And we intend to share profits, risks, and losses.
11:32.9
Kaya makikita ninyo talagang itong ating joint venture savings
11:35.8
significantly higher yung makukuha natin
11:38.8
compared to other savings products.
11:42.3
Kasi nga, we share in the profits,
11:45.2
but we also share in the risks and losses.
11:49.8
So, ang ibig sabihin yan ay kapag kikita tayo,
11:53.5
kikita yung project na hiniriman natin,
11:56.9
ay kikita din tayo.
11:59.2
Pero kapag maglulos din sila,
12:01.1
ay mayroon din tayong lugi.
12:02.8
Because such is life.
12:05.7
Hindi po pwede na,
12:07.1
hindi tayo nagtitake ng risks.
12:09.1
So, dapat meron din yan.
12:12.2
Ang sunod natin dyan ay
12:14.6
usually, yung ating joint venture savings,
12:17.8
yun nga, na-hire siya,
12:19.0
than the interest on bank deposits,
12:21.9
and at par with MP2.
12:23.5
At par and even better than MP2.
12:25.9
But there is a possibility of capital loss
12:28.2
at wala itong guarantee.
12:31.2
So, to give you an example,
12:32.8
magkano ba yung SRI returns natin?
12:35.4
Yung ating SEDP Social Microfinance
12:37.9
ay 7 to 9 percent yan per annum fixed.
12:42.2
Yung clients natin,
12:44.3
kasi yung co-op natin
12:46.0
ay investor sa clients insurance,
12:49.0
nasa 3 to 5 percent yan per annum.
12:51.9
Yung ating Marzan 1A
12:53.9
ay nasa 6 to 15 percent.
12:57.5
Yung, ano, yan yung mga returns, ano?
13:03.5
Sa mga co-op dividends naman,
13:05.2
ito naman yung mga rates na
13:06.7
usual na nakikita natin.
13:09.9
So, mayroon tayo from
13:11.6
as low as 2 percent,
13:15.6
pero meron din as high as 10 percent.
13:19.6
So, pwede nyong tignan yan,
13:21.6
mga co-ops na yan,
13:22.8
para direkta na kayo na mag-invest sa kanila.
13:26.6
So, these are other cooperatives
13:29.1
where I invest in, no?
13:31.9
And our organization invests.
13:36.1
Tapos, meron din pa tayong mga
13:38.6
ang Melendrez Farms,
13:41.5
yung MAF 3 natin,
13:43.0
9 percent per annum yan, fixed.
13:45.5
Yung OOI 5 ay 9 percent per annum fixed din.
13:49.5
117 to 15 percent yan.
13:51.2
Kasi yung rent, ano eh,
13:52.8
tumataas ng tumataas yan, no?
13:56.0
Kaya tumataas yan, no?
13:57.4
Yung Medela 2A din ay 6.1 percent
13:59.6
to up to 15 percent.
14:04.4
na mag open ng account,
14:06.7
kailangan nyo pong magpamembro.
14:08.6
And the first thing that you want,
14:10.2
if you want to check out our
14:11.5
Zed P Social Responsible Investments,
14:14.7
i-click nyo lang po
14:18.6
or scan nyo po yung QR code na naka-flash sa inyo.
14:23.7
Ang purpose kasi talaga ng joint venture savings natin
14:26.3
kapag nag-participate kayo dito,
14:28.7
yan ay for long-term life goals natin.
14:33.3
So, pang matagalan dapat.
14:35.1
Tinitingnan natin, 2 years, 3 years,
14:37.7
more than 1 year na time horizon.
14:41.7
And ito ay social investment.
14:45.0
Masisigurado ko po sa inyo na yung pera,
14:47.1
hindi natin ginagamit para payamanin ang mga mayaman na.
14:50.6
Kasi kapag kayo po ay naglagay ng inyong savings o investment niya
14:53.8
sa stock market na yan o kaya sa mga commercial banks,
14:57.0
eh yung mga typhoons and typhans lang ang yayaman dyan.
15:00.8
Tayo po, mga nano-enterprises natin siya nilalagay,
15:05.1
mga farmers, mga social enterprises.
15:07.8
Kaya ito po talaga ay social investment.
15:10.9
Ang minimum opening account natin dito, 10,000 pesos lang
15:14.0
and mag-additional deposit tayo
15:16.1
in multiples of 10,000
15:17.6
on a first-come, first-served basis.
15:24.0
At ang payout schedules natin, yan po.
15:27.7
So, merong quarterly payouts
15:30.4
at mayroon din tayo actually na mga
15:33.0
annual at saka monthly payouts.
15:38.8
So, i-compare lang natin yung joint venture savings natin
15:42.1
sa SEDPICO versus conventional savings.
15:45.9
So, yung conventional savings, usually pang emergency savings yan.
15:49.9
Tayo ay pang long-term life goals.
15:52.4
So, dapat handa ka talaga na ilagay yun
15:55.0
on a longer-term basis.
15:57.3
May very fast liquidity ang mga conventional savings
16:01.5
at ginagamit ito for day-to-day needs.
16:04.8
So, tayo naman, ito ay para sa social investment.
16:10.3
So, yung savings natin sa conventional,
16:13.5
zero to 1,000 pesos ang opening deposit.
16:15.8
Tayo naman ay 10,000 pesos.
16:18.3
Additional deposit in any amount sa conventional.
16:21.1
Additional na 10,000 naman,
16:23.9
in multiples of 10,000 para sa joint venture savings natin.
16:28.1
Walang limit sa conventional savings.
16:30.1
Pero sa ating SEDPI joint venture savings, may limit po.
16:33.2
Dahil yung project na sinasuportahan natin
16:35.6
will only have a limited amount na kakailanganin niya.
16:39.1
So, kapag napuno na yun, closed na siya.
16:41.9
So, on a first-come, first-served basis tayo.
16:45.2
So, conventional savings, they mobilize from the public.
16:49.6
Tayo naman ay we mobilize from members only
16:52.5
because we are a cooperative.
16:54.0
Kaya kailangan niyo po umatend ng pre-membership education seminar.
16:57.5
So, conventional savings accounts, may 20% tax yan.
17:00.9
At dahil tayo po ay co-op, 0% yung tax dyan.
17:04.3
We earn fixed interest in conventional savings
17:07.5
at profit or loss sharing naman po dito sa ating joint venture savings.
17:13.3
So, conventional savings, withdrawal,
17:14.8
anytime tayo po ay may 14 days withdrawal processing
17:17.8
dahil ang kailangan pa natin gawin yung cheque,
17:21.9
idideposit sa mga account ninyo, magkiklear pa yung mga yan.
17:25.0
At hindi po tayo bank po.
17:26.8
Kaya yun, tayo po ay kooperatiba na may social investment.
17:30.6
Mayroon din po tayong exit fee if withdrawn before the holding period.
17:36.2
So, if you want to check out our joint venture savings,
17:38.7
iscan nyo lang po yung ating QR code.
17:44.8
At bisitahin ng bit.ly slash zpsris.
17:50.7
Punta naman tayo ngayon dito sa retail treasury bond.
17:55.5
So, ano ba yung retail treasury bond natin?
17:59.2
These are debt instruments issued by the government or corporations
18:03.3
to fund their projects.
18:05.8
Bonds given by the government, also called government securities.
18:12.4
This is backed by the full taxing power,
18:14.8
and ability to print money.
18:18.5
So, yung retail treasury bond natin,
18:20.1
5,000 pesos, minimum lang yan, investment.
18:23.4
At ito ay in multiples of 5,000 thereafter.
18:28.3
Ito ay 100% government guaranteed.
18:30.5
Kasi ang gobyerno po yung umuutang sa atin.
18:35.7
And since I've started participating in retail treasury bonds,
18:39.7
yung RPB 25 natin.
18:42.1
So, ito po, nakikita ninyo yung mga returns niya.
18:45.1
Yung last na RTB, yung RTB 30,
18:48.4
which was given nitong February lamang,
18:53.7
ay 6.25% yung interest rate.
18:56.9
Pero dahil may 20% yan na tax,
18:59.0
ang net na makukuha natin ay 5%.
19:01.9
And then, yung ating retail dollar bonds,
19:06.4
Pwede rin yan na dollars na makuha natin.
19:10.7
Once a year, usually naglalabas ng retail dollar bond
19:13.7
ang government of the Philippines,
19:14.8
at twice a year naman yung retail treasury bonds.
19:19.1
So, kailangan nyo siyang abangan dahil natatapos siya.
19:22.7
Hindi siya tuloy-tuloy.
19:24.3
May period lang na pwede natin siyang makuha.
19:28.2
Sa secondary market ka nakukuha
19:29.6
kung gusto mo pang makukuha ng RTB and RDB.
19:33.1
So, ang RTB and RDB is a program of our government
19:36.4
for small investors like us
19:38.4
for its financial inclusion objective
19:40.7
and it aims to diversify our investment exposure.
19:44.5
Para marami tayong mga paglalagyan, no?
19:47.7
Diversification kasi ay key in investing.
19:50.6
It's our way to help in economic recovery
19:53.7
and hopefully, sana po ay hindi ito magamit for corruption.
19:59.1
So, ang RTBs and RDBs,
20:01.3
pwede po kayong kumuha niyan sa Bureau of the Treasury website.
20:04.9
So, overseas Filipino banks, sa land bank, no?
20:07.1
Tsaka sa bonds.ph.
20:09.6
Ang money market funds natin
20:12.5
is another form of fixed income.
20:14.5
Income securities.
20:15.6
Ano ba yung ibig sabihin ng money market funds?
20:18.1
This is a type of food fund
20:19.9
that invests in short-term debt securities
20:22.3
such as commercial papers,
20:25.3
certificates of deposits.
20:27.6
So, yung money market savings naman,
20:30.0
these are savings accounts in banks
20:32.1
that are not covered by PDIC.
20:35.5
So, hindi sila covered ng 500,000 pesos na
20:38.6
insured na deposit natin.
20:41.6
So, usually ito ay mga special deposit accounts
20:43.9
na pwede natin i-open sa banko.
20:47.2
Ang last na kind ng fixed income security
20:50.7
na didiscuss natin ay ang preferred stocks.
20:53.9
Ang preferred stocks,
20:55.4
this is a type of equity security.
20:58.2
They have a higher claim on the company's earnings and assets
21:01.7
versus common stocks.
21:03.2
Kasi common stocks yung may pinaka-mababang claim
21:07.7
sa company's earnings and assets.
21:09.8
Ang mga muna-muna ay sa liabilities.
21:12.7
Tapos, after the liabilities,
21:14.5
yung preferred stockholders.
21:16.2
And then, after the preferred stockholders,
21:18.0
yung common stockholders.
21:20.0
The earnings are not guaranteed in preferred stocks
21:24.5
and they have no voting rights.
21:28.4
So, saan ba natin dapat gamitin ang fixed income instruments
21:32.3
or fixed income securities?
21:34.6
This is our way to generate a regular income
21:39.6
and protection against market volatility,
21:42.7
as well as preservation of our principal.
21:47.8
So, yan po yung fixed income securities.
21:52.6
Isa pang advantage nito is this is highly liquid
21:55.9
and it could be easily converted to cash.
22:00.4
Yan usually ang feature ng ating fixed income securities.
22:05.1
Ako po, si Sir Vince,
22:06.5
ang inyong financial guru,
22:08.3
nagsasabing ang pagyaman na pag-aaralan
22:10.9
at napag-tutuloy.
