00:45.6
So mukhang for the first half, mataas pa rin yung ating inflation.
00:49.9
Napababa siya by the end of the year pero hindi niya kayang ipababa ito na napapasok sa target ng BSP.
00:59.1
Ang target GDP naman ng gobyerno natin for 2023 ay 6% ang GDP growth.
01:05.9
But I think there's a subdued global growth.
01:09.4
Yung subdued global growth natin could slow OFW remittances na puwedeng maka-apekto dito sa ating GDP growth.
01:17.4
Dahil siyempre, ang isa sa mga nagdadrive ng ating ekonomiya ay consumption.
01:22.4
At ang pinanggagalingan ng pang-consume na yan, pang-bayad na yan, marami galing sa mga OFWs.
01:28.4
Katulad ninyo, mga nasa Kingdom of Saudi Arabia.
01:32.1
Kayo ay nagpapadala ng remittances dito sa Pilipinas at yan ang bumibili ng mga produkto at servisyo dito
01:38.8
para masuportahan ng ating ekonomiya.
01:41.5
And I think ang growth driver pa rin natin for 2023 ay ang turismo.
01:47.4
I think marami talaga ang magbabalik sa turismo dahil hindi nakapag-vakasyon ng makailang taon, mga tatlong taon yun.
01:56.6
Pero dapat under control talaga ang COVID.
01:59.4
Hindi na nga ni-renew ng government o in-extend ng government ang state of calamity or state of emergency.
02:04.9
So that really means na papunta na tayo sa new normal na tinatawag.
02:10.3
Okay, the growth will continue and inflation could be tamed barring black swan events.
02:19.8
Alam nyo ba kung ano yung black swan events?
02:24.3
Ano nga ba yung black swan events na tinatawag na yan?
02:29.9
So yung black swan events na ito, sa tingin ko lang, kung hindi mo naiintindihan kung ano yung black swan events.
02:37.8
Ano ba yung black swan events?
02:39.0
Kung hindi mo alam yan, malamang po ay hindi ka pa advanced na investor.
02:44.3
Kasi para sa mga advanced investors, ang concept na ito ay hindi na bago.
02:49.3
Para kayo ay makatungtong ng onte maging advanced investors.
02:54.4
Ano nga ba yung black swan events?
02:56.4
Ang black swan events are events that are highly unlikely and unpredictable.
03:02.9
Yung talagang, oh my God, nangyari ba talaga yan? Para lang yung pagkatalo ni Celeste sa Miss Universe,
03:10.9
hindi natin inasahan na siya ay wala sa top 16, black swan event po ang tawag doon.
03:18.6
So hindi siya expected to happen and is often outside normal expectations.
03:25.3
So ano yung mga halimbawa natin ng black swan events?
03:28.5
Siyempre, ito nangkakapangyari lang, COVID-19 pandemic nagumpisa noong 2020.
03:34.6
Ang Indian Ocean tsunami noong 2004, naalala niyo yun?
03:39.0
Christmas time ito nag-tsunami and 176,000 people died because of this tsunami.
03:46.1
Ang 9-11 terrorist attacks in 2001, this is also an example of a black swan event.
03:56.6
At ang collapse ng Soviet Union, bago nagkaroon ng Russia at nagkaroon ng mga Kyrgyzstan, Kazakhstan,
04:03.0
mga ganyan na iba't-ibang countries, Ukraine for example, dahil yan nabuwag yung Soviet Union.
04:09.9
So ito ay mga hindi inaasahan, highly unpredictable pero nangyari siya
04:15.8
at makakaapekto ito ng malaki sa ating ekonomiya. Black swan events po ang tinatawag niyan.
04:23.2
Pero gaya nga nang sabi ko sa inyo, sa mundo naman ng Miss Universe ng mga sangka-baklaan,
04:30.6
yun nga yung hindi nakapasok si Celeste sa top 16 sa Miss Universe.
04:36.8
Yan po ay black swan event para sa amin.
04:40.1
O di ba? Ayan. Okay. So pagpatuloy natin ng ating discussion.
04:45.8
Okay. So ano yung mga tatlong investments for advanced investors na aking nire-recommenda?
04:55.6
Ang tatlong investments na ito ay land banking, rental properties, at co-op share capital.
05:03.0
So dito po, bago tayo magpunta doon, wait lang, Sir Vins, ako ba ay maituturing na advanced investor?
05:12.4
Kayo po ba ay advanced investor? Sige nga, sagutin nyo nga yan.
05:16.8
Kayo ba ay beginner, intermediate, or advanced YouTube channel?
05:22.2
Okay. So sino-sino ba itong maituturing ng mga advanced investors?
05:26.7
Para sa akin, advanced investor ka na. Pwede kang mag-classify na advanced investor
05:31.8
kung nagkocontribute ka na ng maximum ng monthly salary credit for the last 10 years sa SSS.
05:39.4
Okay? So linawin natin yan na ito ay sa SSS. So meron na tayong maximum na monthly salary credit sa SSS natin.
05:57.3
Okay. Tapos meron din tayong sham na buwan na equivalent ng expenses natin for our emergency savings.
06:05.1
So for example, kumikita ka ng 50,000 pesos kada buwan, 50,000 times 9 dapat meron kang 450,000 worth of emergency savings.
06:15.5
At meron ka ding passive income that will cover greater than 50% of your expenses.
06:23.3
At yan po ay monthly, regularly na dumarating sa iyo.
06:27.0
I consider you as an advanced investor with these descriptions.
06:38.3
So ano pa, yung mga advanced investors din usually long-term ang kanilang perspective.
06:44.4
Hindi sila yung nagt-trade sa stock market, pasok-labas, pasok-labas, ganyan, hindi.
06:51.5
Talagang medyo mahaba ang kanilang time frame. 5-10 years ang kanilang time frame sa pag-i-invest.
07:01.1
At diversified na ang kanilang portfolio. So meron na silang mga sumusunod.
07:06.4
Time deposits, maximum yung SSS, may MP2, may WISP, may WISP Plus, may retail treasury bond o retail dollar bond na sila.
07:15.3
May pera, may real estate, at saka may co-op share capital.
07:19.9
Nilagay ko po dyan, hindi ko nilagay yung stock market kasi hindi po talaga ako mahilig sa stock market.
07:27.2
And niiintindihan yung risks na pumapapasok.
07:31.8
Example, yung konsepto ng Black Swan event, naiintindihan niya.
07:35.7
Yan po para sa akin ang mga advanced investors.
07:39.3
Okay? So puntahan natin, malay niyo naman ngayong taon ay mapunta na kayo sa advanced investor level.
07:46.5
So mabuting alam nyo na rin ito, ano mga paghahandaan natin pag tayo ay mas naging sophisticated investor na.
07:52.4
So una para sa akin ang top 1 po dyan ay land banking.
07:56.7
So dito sa land banking, we purchase land with the intention of holding this for a long period of time before selling it for profit.
08:05.5
So ito ay binibili mo tapos hindi mo muna ibibenta, mag-aantay ka ng medyo matagal na panahon at saka mo siya ipagbibili.
08:14.9
Ang mga magulang ko po ay ganyan ang kanilang na nangyari sa kanila.
08:19.8
Marami silang datong ngayon kasi ngayon sila nagbibenta na ng kanilang sampalupaan.
08:25.5
Just to give you an example, they bought a lot in 1987 I think and they bought it for Php20,000.
08:34.7
This is a lot na nasa 2,400 square meters and they were able to sell it at around Php3.4 million.
08:48.0
Oo diba, yun yung land banking.
08:51.6
And when I calculated the internal rate of return, nasa 14% to 19% per annum yung kanilang return because of that.
09:00.4
But the warning there is talaga namang napakatagal ang kanilang inaantay.
09:07.2
1987 eh ano na po ngayon, 2024. So matagal na panahon yun talaga.
09:13.4
Okay, so how to do, what you need to know when you want to enter land banking.
09:19.7
So long term usually, yung ating tinitignan dito, usually 10 years yung time frame natin kapag tayo ay nagla land banking.
09:30.6
And inaantay natin na mag-appreciate yung value nito but it really will take a while and it also takes a while to liquidate.
09:40.2
Hindi po basta-basta ang magbenta ng lupa.
09:43.0
Yan yung tatandaan natin. Hindi yan tatulad ng lugaw na lituin mo ngayon, pwede mo nang i-benta agad.
09:49.4
Ang lupa po, naku, ang haba ng proseso.
09:53.0
May mga binili nga po akong lupa noong 2020 pa, 2021. Hanggang ngayon ay pinoproseso pa namin ang papeles
10:00.9
dahil kailangan pumirma lahat ng mga kamag-anak at related na heirs noong may lupa
10:11.5
kasi nasa lolo pa nila yung titulo, mga ganyan-ganyan. So medyo masalimood siya.
10:16.1
At syempre dahil sa laki ng amount na kailangang bitawan pag tayo ay bibili ng lupa, talaga namang hindi ito madaling i-benta
10:24.9
kasi not a lot of people have cold cash.
10:28.8
So yan, secure din ito because it's hardly perishable. Hindi yan nasusunog, hindi yan nawawala except kapag ito ay nasa hazard zones.
10:39.8
Nandito po ako sa Rosario ngayon at meron akong isang member na nakapag-claim ng ating damayan o dayong
10:49.1
at nabigyan natin siya ng P5,000 dahil naanod ang kanyang bahay.
10:53.0
So sabi ko, nungkul na tayo dyan sa hazard prone areas.
10:57.2
Kasi kahit na real estate yan, kung naaanod ka naman, lubuglitaw yung lupa, hindi rin siya ganoon ka-productive or ka-secure.
11:06.4
At mataas ang ating upfront amount natin dito kasi kailangan natin siyang bilhin usually in cash.
11:15.4
Very rare yung nakikita ko na bilhan ng lupa na hulug-hulugan.
11:20.0
At kapag hulug-hulugan pa, maraming mga nagkakaproblema dyan.
11:23.7
Okay, paano tayo magla land bank?
11:27.8
So the first one is we have to identify the areas where land values are expected to appreciate
11:34.8
pero sa totoo lang mahirap itong gawin kasi ako nga sinasabi ko sa mga magulang ko,
11:39.3
tutoo ba? Magiging million-million ba yan? Eh napaka nasa mga lib-lib-lib na lugar.
11:45.7
Pero meron talagang ganun eh that you really learn and understand na you just think that this property will appreciate in value over time.
11:54.8
So there's a bit of uncertainty there pero kailangan mong magtanong-tanong and you really have to do your market research to do it.
12:02.8
Ako as for me, I really don't do land banking. Ang ginagawa ko, land banking na long term.
12:09.0
Kasi I do land banking for development, for our socialized housing.
12:13.4
Pero ang gagawin ko doon, magtitira ako ng iba, for example nakabili ako ng 5 hectares.
12:18.9
Ide-develop natin yung 4 hectares. Yung 1 hectare ititira ko for land banking.
12:26.2
So ide-develop natin yung 4 hectares. Pag tumas-taas na yung presyo, pag binenta natin yung 1 hectare, tiba-tiba na tayo doon.
12:33.0
Kasi na-develop na yung 4 hectares, mataas na yung property values.
12:38.2
Naintindihan nila kung bakit for advanced investors ang land banking.
12:44.3
Okay, you also have to understand zoning laws. Kasi may mga agricultural land, may residential, may commercial.
12:52.7
You have to understand ano yung gamit ng lupa na yan. And look for undervalued properties.
12:59.4
Get to know the low cost. In my experience, mas mataas ang property at mas abot kaya ang property valuations in rural areas compared sa urban areas.
13:10.8
May mga properties akong nabili sa urban areas na talaga namang parang taong-taong ko talagang pinag-ipunan
13:17.8
pero hindi ganoon kalaki yung appreciation niya compared to sa mga properties na nabili ko in rural areas.
13:25.7
And ang isang key dito para makilala mo talaga, you do your market research very well, is you have to get to know the locals.
13:33.4
You have to befriend them para makita mo, maging marites ka, malalaman mo magkano ang bilihan at bentahan ng lupa doon sa area na yan.
13:44.9
So kung meron pa kayong mga katanungan about land banking ay isulat niyo lang dyan para sasagutin natin bago tayo magpunta dito sa pangalawa which is the rental properties.
13:56.2
So tignan lang natin. Okay, sige. So wala pa namang mga katanungan.
14:03.0
Okay, so dito tayo sa number two natin, rental properties for advanced investors.
14:11.6
So ang rental properties natin, this is a good source of passive income. It's also an inflation hedge.
14:17.4
Kasi usually kapag sumasabay ang pagtaas ng renta sa presyo ng bilihin, medyo kaya niyang kumakbol.
14:27.1
And there is also potential for capital gains kasi usually over time nag-a-appreciate ang property values.
14:34.5
So ano yung mga rental property guidelines natin? So number one, dapat positive ang ating cash flow.
14:41.0
Yung rental income natin should be higher than our loan amortization kapag kinuha natin ito ng loan.
14:47.5
At kaya nitong i-cover ang association dues and other expenses, lalong-lalo na mga condominium diba?
14:54.0
Dapat ay ma-cover niya lahat yun, hindi lang yung amortization natin.
14:59.8
Sunod ay ang return on investment dapat nito should be within 8 years. That means, mababawi mo yung inilabas mong pera in a span of 8 years.
15:14.3
Ang nakita ko nga dyan sa experience ko, nakikita ko in reality, yung mga nag-i-invest sa mga condominiums,
15:21.5
it really takes them about 15 to 25 years para mag-return on investment sila.
15:27.5
So is that really a good investment? Ganon katagal? I think not.
15:31.4
Tapos sinasabi nila na nag-appreciate naman yung value nito. Again, I asked them, saan nyo ba kinuha yung amount na yan, yung property value na yan?
15:39.4
Baka naman kinuha nyo yan sa real estate developer mismo, siyempre siya yung nagbebenta, tataasan niya.
15:46.6
Ang totoong presyo niyan ay kapag may nabenta at titignan mo magkano talaga.
15:51.8
And usually, yung publish rate ng mga developers, kalahati niyan. Yan yung real na valuation.
16:00.9
And of course, to protect yourself, you have to get property insurance.
16:05.8
And usually, this is only about a million pesos per 1 million property value.
16:11.7
So para saan ang rental properties natin? Ano yung investment purpose nito?
16:18.3
So this is a good way to prepare for our retirement to have a fund for our children, for education of our children.
16:26.6
Kasi ano yan, parang every month may nakukuha, pwede mo yung gamitin pang paharal sa kanila at pang tuition.
16:33.2
And of course, this is a very good way to augment your daily expenses.
16:37.7
At ganon nga yung nangyari sa mga magulang ko kasi kusko naman, kulang na kulang ang kanilang SSS pension, parang 6,000 na libo lang sila.
16:46.8
Diba? Kulang na kulang yun talaga. So maganda na nagkaroon sila ng rental properties.
16:51.9
It augments their SSS pension. Tapos meron din silang kaunting welfare pension dahil sila ay American citizens.
17:00.2
So yes, kung pwede kang magkaroon kahit Amerikano ka, makakakuha ka pa rin ng SSS pension.
17:06.9
Okay? Maganda rin itong pampamana. Diba? Ang bahay, ang lupa. Very traditional way for us to give inheritance to our loved ones.
17:19.5
Okay? Number three ay ang ating co-op share capital.
17:23.0
So ating co-op share capital, ito no, i-compare ko lang. Ang Philippine Stock Exchange natin, nag-invest ka ng 1,000,000 pesos noong 2005,
17:35.3
it's worth P3.13M by 2022. So ang annual percentage rate nito, ang kanyang pag-increase ay nasa 9.98%. It's about 10%.
17:47.5
Pero yung mga investments ko po sa kooperativa, ang aking APR ay 19%. At yung P1,000,000 ko noong 2005, yan ay worth P8.13M ngayong 2022.
18:04.2
So kaya gustong gusto ko talaga ng co-op investment. Okay? So paano ba natin ito ginagawa? Yung co-op share capital investing.
18:14.2
So a cooperative, this is composed of members that share the same interest and they organize because of social, economic, and cultural objectives.
18:25.9
Pero ang cooperative talaga ay considered na high risk ito dahil marami po talaga na hindi magaganda ang kanilang performance.
18:34.9
Kaya you have to choose your cooperative very carefully. So ano po yung co-op share capital?
18:42.6
Pag nag-invest tayo dito, usually yung mga malalakas na tried and tested na mataas talaga sila magbigay ng dividendo and this is tax-free because of the law, for the cooperative law natin.
18:56.2
But our co-op share capital is usually non-withdrawable. Kapag ikukumpara natin ito sa stock market na you can freely sell it anytime, sa co-op share capital po hindi po ito pwede.
19:08.1
Usually, you have to withdraw your membership from the cooperative para ma-withdraw mo ang iyong share capital.
19:16.6
So there is potential for losses also. Kasi kapag nag-sara o nalugi ang kooperativa, then you incur losses.
19:25.0
In the same manner, kapag na-invest ka sa stock market, ay ganun din.
19:28.9
So how do we do co-op share capital investing? Dapat piliin natin ang mga kooperativa na at least 10 years na ang kanilang existence.
19:39.4
Pag mamay-ari nila ang kanilang headquarters, hindi sila nagre-renta. Yung headquarters nila, yung head office nila yun.
19:46.0
At ang kanilang co-op pesos score ay greater than 80 points.
19:51.0
Ang investment purpose na maganda for share capital, maganda ito pang retirement, pang capital, pag-ipuan para sa capital for business.
19:59.9
Okay. So yung sa co-op share capital, how do you do this?
20:03.4
First, you have to undergo a pre-membership education seminar and you have to fulfill your duties as a member.
20:10.5
Yung pagbabayad ng damayan, at saka yung mga membership fees, at pagmenting ng mga accounts.
20:15.8
You also have a voting right in the General Assembly.
20:21.2
Tignan nyo din kasi minsan yung mga kooperativa meron silang residency requirement.
20:25.8
Kailangan, for example, ikaw ay taga Mindanao o ikaw ay taga Ganitong Provinsya.
20:30.4
Pero para sa amin, sa SEDP co-op, yung co-op na re-re-share natin, ginawa natin siyang national.
20:36.2
Basta andun ka sa Pilipinas, meron kang residency sa Pilipinas.
20:40.6
Ang features ng share capital investing, yung prices ng co-op share natin, it remains the same.
20:47.7
It doesn't fluctuate unlike in stock market investing.
20:52.5
Sa stock market investing kasi nag-fluctuate yung share capital natin.
20:56.6
Pero dito sa co-op ay hindi po.
20:59.5
Pero hindi ito traded.
21:01.2
Kaya nang sabi ko nga, kailangan mag-withdraw ka.
21:04.5
Kasi ang mga share capital sa co-operatives ay hindi po ito, wala pong stock exchange kung saan ito ay pwede natin i-trade.
21:13.4
So mostly non-withdrawable requires approval of the board and usually it takes about 60 days for the board approval to come.
21:22.9
So ano yung mga advantages ng share capital investing?
21:26.7
You can start with the low amount.
21:28.7
There are many strong co-operatives in the Philippines and constant ang kanilang share capital price.
21:34.5
Ang disadvantages, many co-ops are high risk.
21:37.4
You end membership to withdraw your capital kasi ang partial withdrawal is prohibited and there is also a longer application process.
21:45.0
Aside from the fact na ang mga co-operatives medyo wala sila sa mga matataong lugar na sa mga kanayunan sila.
21:53.1
Okay, so ayan yung ano natin, yan po ang ating top 3 na investments para sa mga advanced investors.
22:07.8
So kung gusto nyo po na mag-diversify ng inyong co-op investment,
22:11.9
po pwede po kayong sumali sa tinatawag nating share capital joint venture savings basket ng SEDP co-op.
22:18.2
So itong joint venture savings basket natin for share capital,
22:23.9
pinaghahalo-hahalo natin yung mga co-op share capital natin in various co-operatives.
22:30.5
For example ito, the ABCDEF.
22:33.2
And we place this in a basket para bibili ka na lang ng units doon sa basket.
22:39.9
So how does the co-op share capital joint venture saving basket work?
22:45.7
So yung mga member savers natin, they deposit their money in joint venture savings basket
23:02.4
professionally managed by SEDP co-op which are invested in share capital in various co-ops
23:08.3
that result to either gains or losses passed on to members.
23:13.1
So ito pong SEDP co-op joint venture savings basket natin.
23:16.8
Example, last year 2022 for example,
23:21.0
naglagay tayo sa co-op A ng P10M at ang naging dividend rate dyan ay 2%.
23:27.6
So meron tayong dividend na P200,000.
23:31.0
B, P10M din, 3% ang dividend rate so P300,000 yan.
23:35.3
Tapos may 11% tayo sa co-op C, P1M ang lalagay natin so P110,000 ang dividend yan.
23:41.2
Tapos may 11% din tayo sa co-op D, P100,000 ang lalagay natin, P11M and so on and so forth.
23:48.2
So ito total yan ngayon, P138,000 ang exposure natin and we have a total dividend of P12,390,000.
23:58.3
So ano po yung mangyayari dyan?
24:00.0
P12,390,000 di-divide natin sa P138,000 that is equivalent to 8.98% na return.
24:08.8
Ngayon isusubtract yung management fee kasi para siyang mutual funding.
24:12.9
So minus 2.5% and that would give us a 6.48% return.
24:18.3
Ngayon kung nag-invest ka dito sa co-op share capital basket natin at ang ADB mo ay P100,000,
24:26.8
multiply natin yan ng 6.48% then you get P6,480 na dividend.
24:35.8
Okay? So ganyan po yan. So ano na siya, parang naglagay ng share capital sa maraming co-op immediately.
24:44.6
So ano yung ating terms and conditions for this?
24:47.5
So ang ating terms and conditions, it is open to SEDP members at ang minimum share capital placement natin ay P10,000
24:58.8
and in multiples of P10,000 also.
25:01.1
Ang maximum ay P1,000,000. Ang dividend payout po ay annual.
25:06.4
Ang return po ay pinaproject natin 4% to 7% per annum.
25:10.9
This is dependent on the basket of cooperative performance.
25:16.6
Yung payout natin na matatanggap sa wallet hindi po yan nag-earn so kailangan i-reinvest po natin yan.
25:22.0
There is a two-year holding period.
25:24.6
If you withdraw prior to this, there is a 10% pre-termination fee.
25:29.8
2.5% po yung annual management fee natin.
25:32.8
Wala pong garantee ito so ibig sabihin kapag tayo ay naluge, maaari po talaga tayong maluge.
25:38.3
If co-op's performance is bad, there may be possibility of 0% dividend and savings may decrease.
25:47.1
Kapag nagsara yung co-op, medyo mababawasan ang ating savings.
25:51.4
So diversified investment in strong cooperatives, yan yung ating share capital, JB Savings Basket.
25:58.7
This is also tax-free, long-term po ito, and withdrawable anytime.
26:04.7
And of course, compared to the commercial bank time deposits,
26:08.1
higher yield po ang share capital, JB Savings Basket natin.
26:13.8
So how can you join SEDP if you're interested?
26:16.3
How can you join SEDP?
26:18.6
I-type niyo lang po ang bit.ly slash sedpcoopemes or iscan niyo po yung QR code na yan
26:25.9
and you would be able to see the instructions on how to become a member.
26:31.6
How to make a deposit? Gusto niyo na pong mag-deposit?
26:34.3
Puwede po kayong pumunta sa mga payment channels natin.
26:38.4
We have GCash, BDO Online, BPI Online, Maya, EasyPay, SEDP Wallet, at saka Direct Bank Deposit.
26:45.3
So ang gagawin niyo lang po ay pumunta dito sa bit.ly slash sedppay
26:51.8
and yan, pwede niyo naman po naiscan ang QR code para makapunta kayo
26:56.7
at makita niyo ang instructions on how to deposit.
26:59.6
Tapos, how to advise us of your deposit?
27:03.8
Para malamin namin na sa inyo yan,
27:06.0
pumunta lang po kayo sa bit.ly slash sedponlinesr
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ay iscan niyo po yung QR code,
27:13.2
then mag-login kayo para mai-advise niyo po yung deposit.
27:17.3
Pag nag-login na kayo, you just click Inform Deposit
27:22.0
and then i-fill out natin ang ating mga form,
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tapos click Submit and we will be able to check your deposit.
27:31.0
Ako po si Sir Vince, ang inyong financial guro,
27:34.4
nagsasabing ang pagyaman na pag-aaralan at na pag-tutulungan.
27:40.3
Thanks for watching!
27:42.2
Kung may kapamilya, kaibigan o pakilala kang tingin mo
27:45.7
ay magiging interesado dito sa video,
27:48.5
please share to them or tag them in the comments section.
27:52.6
Syempre, kung nagustuhan mo ang video,
27:55.2
pusoan mo na ito, subscribe ka na rin!
27:58.6
As always, feel free to write your questions,
28:01.6
comments, and opinions respectfully.
