Vince Rapisura 2294: Abot-kayang investment sa lupa: Real estate joint venture savings
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Pros of, pros and cons of,
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real estate, estate investing.
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Okay, yan. So pros and cons of real estate investing.
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So pros muna, rental property investing.
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So meron ito kasing steady cash flow from rent.
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So maganda po yan, para kang sumasweldo.
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Again, this is also a very good inflation hedge kasi sumasabay usually ang pagtaas ng renta
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sa pagtaas ng presyo ng bilhin.
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Low tax rate compared sa individual income tax.
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Kasi usually yung mga nakaka-afford na magkaroon ng rental property,
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medyo mataas na ang kanilang income bracket, mas mataas ang tax rate yan.
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Pero ang rental property po ay nasa 7% lamang.
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Property valuation appreciation kasi property value ay tumataas po yan usually.
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Ano naman yung cons of rental property investing?
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This is very capital intensive.
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Hindi po ito liquid.
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There's high barrier to entry at yung location and construction,
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kailangan nyo po talagang pag-isipan yan ng mabuti.
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And there's also tenant selection and management,
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aside from property repair and maintenance.
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So maraming kailangan gawin kapag tayo ay magpaparenta.
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Although, hindi naman sya ganoon karegular na kailangan gawin.
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So ito po yung SEDPICO of real estate portfolio natin.
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So ito po yung mga rental properties natin.
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So meron po tayong naitayo noong 2006.
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Yung Marjan 1, this is in Manila, it's worth Php16.5M.
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2014, Madela 1, this is worth Php8M.
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2020, Marjan 2, Php19.8M.
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2022, Rosario 1, Agustin del Sur po ito,
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na binisita lang natin kanina, nasa Php25M.
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So ito po yung Marjan 1 noong 2006, 4 units lang po yan.
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Noong 2018, saka natin napatapos na 12-unit apartment
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dahil binili natin yung kabilang lupa na pinatayuan natin ng Marjan 2
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at ngayon po ay may 14-unit apartments na nandyan.
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Sa Madela naman po ay meron tayong 5-unit commercial property doon.
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At ito naman po, pinapatayuan natin sa Rosario,
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akakabisita lang po natin kanina,
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this is a 5-unit commercial property
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and nasa 400 square meters po yan.
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Ano po yung mga nasa pipeline natin?
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Meron tayong 5 hectares sa Veruela, Agustin del Sur,
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merong 2 hectares sa Bislig, may 4 hectares sa Trento,
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at meron tayong 200 square meters sa Lawang.
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Okay, so gusto nyo bang mag-invest sa lupa
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pero kulang ang inyong pera,
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ang kasagutan po dyan ay Real Estate Joint Venture Savings Basket.
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So ang Real Estate Joint Venture Savings Basket ng SEDP Co-op,
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ito po ay, it allows you to participate in SEDP Co-op real estate properties.
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Yung nabanggit ko kanina Marjan 1, Madela 1, Marjan 2, at saka Rosario 1.
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So we put all of this in one basket
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so that you are able to participate.
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Hindi mo na kailangan mag-build on your own
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pero pwede ka nalang mag-participate, okay?
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So how Real Estate Joint Venture Savings Basket works?
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First, you have to be a member of SEDP Co-op.
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So once you're now a member of SEDP Co-op,
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you deposit your money in the Real Estate Joint Venture Savings Basket
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and we will professionally manage it ng SEDP Co-op
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which are invested in various real estate properties
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that result to either gains or losses
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that's passed on to the SEDP Co-op members.
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So yung Real Estate Joint Venture Savings Basket natin,
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this is actually a pooled savings from SEDP Co-op members
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invested in various real estate properties.
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Meron po itong profit and loss sharing instead of interest on savings.
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So primarily, this is a savings product of the cooperative
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using the Islamic banking approach na profit share ang kanyang style.
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SEDP Co-op manages the pooled savings on behalf of the members.
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Siya po yung nag-manage yan.
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And members pay management fee to SEDP Co-op to cover the administrative cost.
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Meron naman pong gastos yan, yung pag-manage, pag-construct.
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And members can deposit or withdraw any time subject to holding period guidelines.
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So yan po yung Real Estate Joint Venture Savings Basket natin.
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So just to give you an example, this 2023, ang projection natin,
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yung Marzan One, ang exposure natin dyan, for example,
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out of the 16.5 million, ay 4.5 million ang exposure
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ng Joint Venture Savings Basket natin.
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Ang share in rent, for example, ay nasa P315,000.
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Ang yield niya ay 7%.
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Sa Marzan Two, P10 million yung exposure natin, P600,000 yung rent.
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So that's about 6% na yield.
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Sa Madela One, P2 million yung exposure natin at ang share in rent ay P170,000.
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So that's about 8.5% na yield.
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So ang total po ay 16.5 million, ang share in rent ay P1,085,000.
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And that will give us a yield of 6.6%.
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So for example, you have given a P100,000 ADB doon sa ating
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Joint Venture Savings Basket, nag-invest ka ng P100,000 dyan,
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imumultiply natin ng 6.6%, so that's about P6,600.
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So P6,600, yan yung kinita ng iyong P100,000
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pag nag-invest ka dito sa Real Estate Joint Venture Savings Basket natin,
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which will be paid out to you every year.
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Yan ang payout na yan.
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So ano yung terms and conditions ng ating Real Estate Joint Venture Savings Basket?
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Unang-una po, this is open only to SEDP members.
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Kung hindi po kayo miyambro, hindi po kayo po pwedeng sumali.
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Ang maximum po dito ay P10,000, at maaari rin lang po kayong magdagdag
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in multiples of P10,000.
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Ang maximum po na pwede natin ilagay dito ay P1,000,000.
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Ang annual dividend po natin dito ay binibigay every year.
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At ang projected return natin is about 4% to 7% per anong...
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No, no. Based on...
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Sorry. This is based on the performance of the real estate.
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So let me just edit this para...
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Based on performance of real estate.
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Of rental properties.
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So performance of rental properties.
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At ang pre-outs po, kapag na-receive natin sa ating wallet, hindi po yan mag-earn.
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And there is a two-year holding period.
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10% po ang pre-termination fee kapag hindi po tumagal ng dalawang...
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At least two years ang inyong placement sa ating joint venture savings.
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2.5% po ang annual management fee. Wala po itong guarantee.
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And if the rental property's performance is bad...
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If the rental performance is bad, there may be possibility of zero dividend
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and savings may decrease.
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Pero dahil nga diversified naman tayo, madaming mga locations,
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tingin ko ay hindi naman po ito talaga mag-zero, nor mag-decrease.
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Pag nag-decrease kasi yan, baka nasunog or something, sanaman di mangyari.
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Meron tayong makukuha sa insurance pero it will not be the same amount.
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So ano yung ang ating pros and cons of co-op share capital?
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Out ka na naman tayo.
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Ano yung pros and cons of...
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Ano ang pros and cons of rental property investing?
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Ang pros po ng rental property investing, steady cash flow from rent,
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inflation hedge, and low tax rate compared to individual income tax.
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Tapos may property value appreciation pa rin tayo dyan.
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Ang cons po ay capital intensive. Malaking amount po talaga ang kakailanganin natin.
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Hindi po ito liquid kasi hindi natin basta-basta mabibenta.
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There's also high barrier to entry because we have to choose the right location
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tapos kailangan din ng maayos na contractor na medyo mahirap pong hanapin.
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Pero din pong penalty selection and management plus property repair and maintenance.
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Okay, so individual real estate investing versus real estate joint venture savings basket.
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Paano natin siya i-compare and contrast?
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So para makita nyo lang,
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pag individual real estate investing, ikaw talaga yung gagawa ng lahat-lahat.
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Dito sa joint venture savings basket,
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makikijoin ka dun sa existing real estate properties na ng SEDP COO.
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So ang amount needed, millions ang kailangan mo kapag ikaw ay mag-iindividual real estate investing.
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Pero sa atin, sa joint venture savings basket na real estate,
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P10,000 pesos lang.
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Diversified sa individual RE investing, usually hindi kasi usually isa lang yung property mo
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at isa lang location.
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Tayo naman, multiple location and multiple properties.
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So diversified siya, yes.
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Liquidity, hindi rin ito liquid sa individual RE investing
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pero sa real estate joint venture savings basket natin,
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withdrawable and subject but this is subject to withholding period.
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Kapag more than two years na wala na po yung pre-termination fee.
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Kapag less than two years, may 10% na pre-termination.
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Pero at least, liquid siya.
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Construction management, aalalahanin mo yan kapag ikaw ay nagpatayo ng sarili mong rental property.
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Hindi mo na yan aalahanin sa real estate joint venture savings basket
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because SEDP COOP will do this for you.
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Ganon din ang tenant management and selection and property repair and maintenance.
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So SEDP COOP will take care of all of this heavy weight, heavy lifting for you.
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Tax exempt, pag real estate individual investing po kayo.
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You have to pay the taxes.
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Pero sa atin, dahil ito ay isang savings product ng cooperative,
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this is tax-free.
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Annual management fee, wala naman pong on both sides.
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So yung real estate joint venture savings basket natin,
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this is open to SEDP members,
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maximum and in multiples of 10,000 pesos.
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Minimum and in multiples of 10,000 pesos.
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Maximum of 1 million.
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Annual dividend payout.
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At ang return po dito, ang tinitignan natin is again about 47% per annum variable
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based on the performance of our real estate.
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Based on the basket of rental properties.
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And then payouts in wallet do not earn.
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Meron po yung two-year holding period na may 10% pre-termination fee,
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2.5% ang annual management fee.
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Wala po itong guarantee.
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And if rental property performance is not, is bad,
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pwede pong mag-zero percent ang ating dividend
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and mag-decrease kapag hindi talaga maganda.
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But it's highly unlikely.
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So how to join SEDP Co-op?
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Again, just type bit.ly slash SEDP Co-op P-M-E-S
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or scan the QR code.
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How to make a deposit?
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Ito po yung mga payment channels natin.
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Meron po tayong Gcash, BDO Online Banking, BPI Online Banking,
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Maya, EasyPay, SEDP Wallet, at saka Direct Bank Deposits.
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So all you have to do is to go to bit.ly slash SEDP Pay
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or scan the QR code.
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So how to advise us of your deposit?
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Bit.ly slash SEDP Online S-R-I or scan nyo po yan.
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Mag-login po kayo.
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At paka naka-login na kayo sa inyong account,
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i-click nyo lang po yung Informed Deposit
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and then fill out the form.
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Click Submit para po malaman namin.
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Ano ako po si Sir Vince?
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Ang inyong financial guro
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nagsasabing ang pagyaman na pag-aaralan at na pag-tutulungan.
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in the comments section.
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feel free to write your questions,
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and opinions respectfully.
