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00:00.0
So yung time deposit joint venture savings basket natin, ito po ang mga terms and conditions.
00:06.8
So una, this is open to SEDP members, minimum and in multiples of Php10,000, maximum of Php100,000
00:16.5
at may annual dividend po tayo dito na payout na binibigay. Yung payout po yun po yung interest na na-earn.
00:24.2
Ang estimate po natin na return dito ay nasa 4-6% per annum. So variable yan.
00:30.1
Depende yan dun sa performance ng basket of time deposits na makukuha natin.
00:35.6
Kapag nag-payout na sa wallet, hindi po yan mag-earn. May 5 years holding period.
00:41.1
Kung hindi na natin makikip yung 5 years holding period, 3% po ang pre-termination fee natin.
00:47.0
Meron din po itong 2% na annual management fee. Of course, dahil po tayo ay profit-sharing, wala po itong guarantee.
00:55.6
If co-op's performance is bad, there may be possibility of 0% interest and savings may decrease.
01:07.1
Anyway, kung naglagay tayo ng 6% na interest rate sa co-op B, kikita yung Php5,000,000 natin ng Php300,000 and so on and so forth.
01:18.2
So let's say na Php50,500,000 yung ating ilagay na time deposit lahat.
01:23.9
At ang kita niyan na interest ay Php3,570,000. So yung Php3,570,000, ibidivide natin ngayon ng Php50,500,000.
01:36.4
So ang rate niyan ay 7.06. So tatanggalin natin yung 2% na management fee. Ang lalabas ay 5.06%.
01:46.3
So kung naglagay tayo ng Php10,000 na savings diyan, kikita ng Php506 kasi 5.06% yung lumabas.
01:59.3
So ano ba yung pros and cons ng co-op time deposit at time deposit joint venture savings basket ng SEDP?
02:08.6
So yung individual co-op investing, you need to become a member of many cooperatives to be able to diversify.
02:15.3
Tapos i-monitor mo ang lahat ng mga accounts mo dyan sa co-op na yan.
02:19.8
Tapos titignan mo din dapat yung mga performance and you need to conduct several transactions
02:25.8
kung ikaw ay mag-withdraw ng malaking amount kasi sa iba-ibang co-op mo siya kupunin.
02:30.3
So medyo mataas din yung admin cost kasi some co-ops are in far-flung areas.
02:35.3
Minsan nga, actually kadalasan, kailangan mong magpakita dun kung ikaw ay mag-withdraw.
02:41.3
Kaya ginagawa ko, kaya minsan itinatawag pa at tineschedule ng mabuti para efficient tayo.
02:47.3
Capital intensive din ito because you need to comply with all the minimum maintaining balances of the cooperatives.
02:53.8
Kapag naman dito tayo sa ating joint venture savings basket, makakakuha tayo ng diversification agad-agad.
03:01.3
Mabilis na makakapag-diversify sa mga investments sa maliit na capital lamang.
03:05.8
At mayroon pa rin namang liquidity kasi maaaring makuha ang investment kung pigla ang kakailanganin ang pera.
03:13.3
Low capital requirement, makakapag-bukas ka na sa halagang P10,000 and higher yung return na makukuha natin.
03:20.8
And mayroon tayong ginagawang close monitoring dun sa performance ng mga kooperatiba
03:26.8
dahil may hinayar tayo para gumawa nun para sa atin.
03:31.3
Convenient ito, maaaring magbukas online at dahil tayo po ay co-op, exempted po yan, wala pong tax.
03:39.8
So ang cons naman, siyempre may annual management fee pero kailangan natin magpasweldo ng mga empleyado natin sa Sente Co-op
03:47.3
kaya dapat mayroon talaga yan.
03:49.8
At mayroon din yung risk of loss kasi maaaring malugi o magsara ang kooperativa.
03:55.3
So mababawasan yung savings natin.
03:57.8
Pero kung ikukumpara mo yan, kapag doon ka sa co-op talaga, isang co-op ka nag-time deposit,
04:04.8
tapos knock on wood, nagsara, wala na.
04:08.3
Tayo, puwerte lang yung mababawas.
04:12.3
Mayroon din siyempre yung management risk.
04:14.8
So kung ikukumpara natin yung individual co-op time deposit at time deposit joint venture savings basket,
04:22.3
tax exempt yan na pareho, walang annual management fee sa individual co-op
04:28.8
pero sa joint venture basket natin ay merong 2% lang po, 2% per annum.
04:35.3
Kapag nagkaroon ng losses ang co-op, the interest will still be paid, pareho naman.
04:40.8
Kasi buhay pa eh, yung kooperativa, liability pa rin nga yan.
04:44.8
Kapag nag-close down, sa individual co-op, matatanggal na, mawawala na, hindi mo na makukuha.
04:50.8
Kasi walang PDIC.
04:52.8
Tayo naman, dahil iba't ibang co-op yung pinaglagyan natin, yung savings balance natin mababawasan lamang.
04:58.8
Hindi talaga siya mawawipe out.
05:01.8
Membership, kailangan magpamiyembro ka sa maraming co-op.
05:05.8
Sa paten, sa joint venture savings basket natin, time deposit, sa said co-op na lamang.
05:10.8
Yung account monitoring, ikaw yung gagawa niyan.
05:13.8
Pero sa said fee, we will do this for you.
05:16.8
Ganun din sa co-op performance assessment.
05:21.8
And dito naman sa diversification, syempre kapag isa-isang co-op ka, walang diversification yun.
05:27.8
Tayo sa basket ay mayroon na agad-agad.
05:32.8
Pareho naman itong withdrawable anytime.
05:35.8
Mas mababaw nga lang usually itong sa mga individual co-ops.
05:38.8
Sa as low as Php1,000 po pwede na.
05:40.8
Sa atin kasi ay Php10,000.
05:43.8
Ang interest earned mostly lower sa individual co-op kasi lalo na kapag maliit na amount.
05:48.8
Tapos shorter period.
05:51.8
Sa atin po ay mostly higher.
05:55.8
So yan po ang ating joint venture savings na time deposit basket.
06:01.8
Sana po ay i-consider nyo yan at ilagay ninyo sa inyong investment mix.
06:07.8
Ako po si Sir Vince, ang inyong financial guro.
06:10.8
Nagsasabing ang pagyaman na pag-aaral.
06:13.8
Handa ka na bang lumevel up sa savings mo?
06:16.8
Join the SEDPICA Social Community and get started to be a social investor today.
06:21.8
Step 1, umatend ng self-paced online pre-membership education seminar.
06:26.8
Mag-sign up sa bit.ly slash sedpicoop.pmes now na!
06:31.8
Step 2, i-deposit ang iyong initial share capital, membership fee, at joint venture savings sa Gcash, BDO Online Banking, BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit.
06:44.8
Daming options, diba?
06:46.8
Sundin ang simple instructions sa bit.ly slash sedpipay para makapagsimula.
06:51.8
Step 3, mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit.
06:57.8
Go to bit.ly slash sedpionlinesri at kami na ang bahala sa iyo.
07:04.8
Ano pang inihintay mo?
07:05.8
Sali na sa SEDPICA Sosyo ngayon and let's start building a brighter financial future together.
