00:58.6
na mayroong 9.6% na interest para lang sa mga new members na mag-open up to P200,000.
01:08.1
Sa mga bagong depositors na mag-open up to P200,000.
01:12.1
So ibig sabihin yan, yung excess non ay hindi na. Magpupunta na siya doon sa regular na savings.
01:18.1
So again, i-screenshot nyo na po ulit dyan at kasama naman ako sa screenshot na yan
01:24.6
para malaman ninyo kung saan kayo pwedeng mag-open ng inyong regular savings account.
01:32.6
Okay? Time deposit.
01:36.6
So ano ba yung time deposit?
01:39.1
So ang time deposit ay ano no? Sorry po.
01:44.6
Ang time deposit is the kind of investment na tayo ay naglalagay ng ating pera sa banko
01:53.1
at yung pera na yan ay nakalock siya for a certain period.
01:59.6
So yung pre-termination natin usually dyan sa time deposit, it can be withdrawn anytime actually.
02:07.1
Pero yung capital or principal or corpus is nape-preserve natin yan.
02:12.6
Kasi maraming mga nagtatanong sa akin, ayaw nila mag-time deposit kasi baka pag pre-determinate nila
02:20.6
ay mabawasan lang yung pera nila.
02:22.6
So that is a myth. Hindi po yan totoo. Huwag kayong matakot.
02:27.1
Okay lang po kasi pwede pong i-pre-terminate ang time deposit kapag kailangan na natin siya.
02:32.6
The penalty is usually around 10-15% of the interest.
02:38.1
Hindi doon sa pera mo, doon sa interest usually sila.
02:42.1
So buko mo pa rin siya na mahukuha.
02:46.1
So the penalty is usually 10-15% of the interest exclusive of the corpus
02:52.1
or magre-revert back to the regular savings rate.
02:56.1
So for example, naglagay tayo ng time deposit 100,000 pesos.
03:01.1
Ang term ay one year at ang sabi ay 5% per annum.
03:07.1
Tapos po rin na-terminate natin siya.
03:09.1
So hanggang 50% daw pwedeng maging penalty mo sa interest.
03:12.6
Instead na 5% yung makukuha mo na interest, magiging 2.5% na lang.
03:19.1
Or kung yung regular savings account nila ay 1% lang,
03:22.6
baka doon ka ibalik as a regular savings.
03:26.1
8, tayo ay kabilang sa tinatawag na Gen Z.
03:30.1
Yung mga pinanganak noong 1997 to 2012.
03:35.1
So para sa mga Gen Z, kung tayo ay papasok sa fixed income securities,
03:39.1
this is a very good way to start your investment journey
03:43.1
and learn about investing because
03:46.1
ang fixed income securities are usually very, very safe investments.
03:53.1
So kapag tayo nagpa-practice, level 1 muna tayo,
03:57.1
maganda yan na paraan para maprotektahan at malaman natin
04:02.1
na dapat ay secure at safe yung ating investment.
04:06.1
Yan ang pinaprioritize natin sa investment.
04:09.1
Kapag naman ikaw ay millennial and you were born 1981 to 1996,
04:17.1
bakit ka naman papasok sa securities, sa fixed income securities?
04:23.1
This is because fixed income securities are a reliable way
04:28.1
to secure your money to buy your big ticket items.
04:33.1
So pagpapatayo ng bahay o kaya if you're building the education fund
04:37.1
for your children, fixed income securities po
04:40.1
ang magandang paglagyan natin sa mga purposes na yan.
04:45.1
Kapag ikaw naman ay katulad ko, you belong to the Gen X,
04:49.1
so you were born 1965 to 1980.
04:52.1
So para saan naman ang ating investment?
04:54.1
Ito na ay for diversification because we want to balance risk and returns.
04:59.1
You have to remember kapag dito tayo ay Gen X,
05:03.1
nasa stage tayo ng buhay natin na ito yung may pinakamalaki tayong kinikita
05:09.1
and a lot of people are actually very tempted na ang gagawin nila ay
05:13.1
sa high yielding pero higher risk din ng mga investments.
05:18.1
So i-resist natin yung temptation na yun and we go for diversification
05:23.1
because pag diniversify natin yan, we are able to protect our investment more
05:28.1
and we will be able to build our retirement portfolio.
05:32.1
So para sa mga Gen X, diversification naman ang purpose
05:36.1
ng pag-iinvest sa fixed income securities.
05:40.1
Again, kapag ikaw katulad ng mga parents ko ay mga baby boomers,
05:45.1
if you're born 1946 to 1964,
05:49.1
bakit ka naman papasok sa fixed income securities?
05:52.1
Because you want to preserve the capital of your hard-earned money.
05:57.1
So yung hard-earned money mo yun ay yung capital mo
05:59.1
and if you invest in fixed income securities,
06:02.1
it will provide you with a steady stream of income during retirement
06:06.1
and usually this is a replacement for your paycheck.
06:10.1
Okay, in relation to our time deposit, meron po tayong SEDP Co-op
06:15.1
Time Deposit Joint Venture Savings Basket.
06:18.1
Ano ba itong Co-op Time Deposit Joint Venture Savings Basket?
06:23.1
So ito po ay pinagkupul natin yung pera natin and then we place
06:27.1
our time deposits in several cooperatives.
06:30.1
So in this case, example natin, Co-op A up to Co-op F.
06:34.1
So we put all our time deposits there. Pagkahaluhaluin natin siya.
06:38.1
And what happens is we are now going to deposit this
06:42.1
in a joint venture savings basket which we will professionally manage
06:47.1
as SEDP Co-op and then yung invest naman natin siya
06:52.1
in our five-year or more na time deposits na yan
06:56.1
at yung earnings nito ay ibibigay natin sa mga members natin.
07:02.1
Ipapass on natin yan sa kanila.
07:05.1
Okay? So yun pong time deposit joint venture savings basket natin,
07:09.1
ang terms and conditions niya, this is open to all SEDP members.
07:14.1
Minimum po ay P10,000. Maximum ay P1,000,000.
07:19.1
Ang dividend payout po ay annual. At ang return po natin dito,
07:25.1
ang estimate natin ay nasa 4% to 6% per annum
07:28.1
based on the basket of Co-op's performance.
07:32.1
Yung time deposit joint venture savings basket natin,
07:36.1
ang payouts natin dito sa wallet natin hindi po yung nag-earn.
07:40.1
May holding period tayo na five years, 3% po ang pre-termination fee,
07:45.1
2% po ang annual management fee.
07:48.1
Nakukuni na po yan doon sa interest na makukuha natin.
07:52.1
Wala po itong guarantee and if a Co-op closes down,
07:55.1
our joint venture savings might decrease.
07:59.1
Okay? So yung pong SEDP Co-op joint venture basket natin
08:03.1
as of 2021, just an example.
08:06.1
So Co-op A, for example, naglagay tayo ng 5% dyan, P10,000,000.
08:10.1
So kumita ng dividend na P500. So ilalagay natin lahat yan.
08:15.1
At for example, ang total natin ay P50,500,000 ang ating na-invest dyan.
08:22.1
P3,500,000 ang kinita ng ating joint venture savings basket.
08:27.1
So ng time deposit na nilagay natin sa iba't-ibang mga kooperatiba.
08:32.1
So yung P3,500,000 na yan divided by P50,500,000,
08:40.1
ito ay nag-yield ng 7.06%.
08:45.1
Tatanggalin natin yung management fee na 2%.
08:49.1
So ang effective na interest rate po natin or dividend rate natin dyan ay 5.06%.
08:56.1
Kung may average daily balance tayo na P100,000 times 5.06,
09:01.1
kikita po ng P5,060 sa taon na yun yung ating P100,000.
09:08.1
Okay? So yan po ang ating SEDP Co-op joint venture savings basket.
09:15.1
So kung gusto nyo po na magpamiyembro dyan, pumunta lang kayo sa bit.ly
09:20.1
slash SEDP Co-op PMES or iscan nyo po yung QR code na nagpapakita sa ating screen ngayon.
