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馃搱 Investing in SeedIn Philippines 2020 | How to Invest in SeedIn | Guide to SeedIn Passive Income - YouTube
Channel: Nicole Alba
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if you've been watching my videos for a
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while you should now more or less
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understand what i mean when i say that
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there are so many investment options out
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there
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right we've talked about stocks bonds
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mutual funds cryptocurrencies and so
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much more
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today we're talking about seeding it's
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an alternative form of investment that
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i've mentioned in my videos before
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where you can earn 10 to 20 per annum on
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your money
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the best part you can start with just 1
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000 pesos
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yo what's up friends welcome back to
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this week's video if you're new here
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what's up
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my name is nicole and i make weekly
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videos on personal finance investing
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self-development and other fun and
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interesting stuff like i said i've
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already mentioned
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seed in in my how to start investing
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video as well as when i talked about
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what are the things i'm investing in
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i've been investing in sedan since 2019
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and so far i've been satisfied with the
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experience i had on the platform
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so i wanted to share it with you guys so
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i always say that whatever you invest in
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will depend on your investment goals
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but if you're looking for other ways to
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diversify your portfolio diversify your
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investments
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i think you should check this out this
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is really interesting so here's how i'm
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going to structure this video
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first let's talk about what is seeded so
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what the heck is even what is that what
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kind of platform is that
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maybe some of you guys have heard of it
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but aren't exactly sure what it is
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then we're going to talk about why you
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should consider investing in seed in
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so what rates do they have how does it
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work then if the first two parts got you
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interested let's talk about how you can
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start investing in seven
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and then lastly let's talk about my own
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experience with investing in seeding
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if you're interested in signing up with
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eden you can sign up with my link down
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in the description below
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it's a referral link i think i'll get a
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commission by getting people to sign up
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okay then if you guys don't use it
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but if you sign up you can also start
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referring your friends and family
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and also earn some commissions i'm not
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i'm just not sure what the mechanics are
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or like how many percent but yeah thanks
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in advance if you use that
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help support the channel so before we
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start i've said this before
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but i'll say it again i am not the
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professional financial advisor
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none of the things that i'm about to say
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are to be taken as financial advice
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i'm only sharing the things that i've
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learned the things that i've experienced
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i've done some research for you but it's
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also important that you do your own
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research you know
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be responsible for your money first and
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foremost
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what is seed index what is that based on
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their website it says that sedan
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is southeast asia's largest business
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financing platform
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where local businesses seeking
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short-term financing
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connect with individuals and businesses
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seeking short-term investments
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a bit of a mouthful but essentially it's
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just a platform where businesses can go
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to
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to get loans right funding for their
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businesses through
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crowdfunding so maybe you've heard of
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peer-to-peer lending
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it's more popular abroad in the us for
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example there's lending club
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upstart here in the philippines there
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are also a lot for example
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is funko which i've already invested in
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as well but
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sedan is peer-to-business so instead of
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these businesses securing their loans
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through traditional means like getting
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loans from the bank
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they get it from us from investors who
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want to crowdfund their loans
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so when we invest our money on seed in
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we can select the projects that we want
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to invest in and the money
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that is collected from investors are
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loaned out
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these businesses and we earn interest
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for loaning out that money
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it's similar to how corporate bonds work
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right corporate bonds just borrow money
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and in return they pay back that money
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plus
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interest my patent so according to their
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website they are registered with the
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securities and exchange commission
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and they comply with the rules and
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regulations covered in crowdfunding
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so last year the sec issued a circular
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regarding the regulations and guidelines
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for crowdfunding platforms and they have
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a pending application
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for a crowdfunding intermediary license
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filed with the sec back in october 2019.
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in short is seeding legit yes sir
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is legit next let's talk about why you
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should consider
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investing in cd right as a means of
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diversifying your portfolio what's good
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number one they're big on financial
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inclusion so with the way their business
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works they're really targeting
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to support smes with access to financing
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that they would otherwise
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have difficulties acquiring because
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traditional means like when you go to
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the bank
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it's a long application process and it's
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very selective
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and they also allow filipinos like you
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and me to invest and grow our money
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so yeah next like i mentioned the
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interest rate that you can expect to get
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from these loans
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range from 10 to 20 percent per annum
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after calculating the withholding taxes
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and the fees
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the annualized returns actually start
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from seven percent
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but that's still pretty big so to put it
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in perspective
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regular bank accounts only offer you 0.1
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to 0.25
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interest per year and when you put your
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money in high interest savings accounts
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that only gives you 2.5
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to 4 interest per year which only really
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preserve the value of your capital
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but if you want ways to grow your money
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to grow your investments
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seed ins rates are actually pretty big
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but i just want to point out that a big
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part of their marketing
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is them advocating that their
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investments on their platform are safe
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and guaranteed
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and even when you look up satan other
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people brand it as
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a guaranteed safe form of passive income
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but if you read in their frequently
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asked questions
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says there are these investments risky
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yes business funding investments are
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still similar to investing in stock
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markets
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because essentially you are loaning out
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your money but you're lending your money
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to businesses
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and that comes with a certain inherent
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risk if the company
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isn't able to pay back on the loan then
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it defaults
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so there's still a risk when investing
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in seed in
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but it also says here that cedin has a
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set of legal mechanisms and contingency
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plans in order to help mitigate
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those kinds of risks so almost all of
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the loans you can see on sedan have
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collaterals
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and they also went through a stringent
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process of assessing the credit risk
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and there's almost always usually a
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personal guarantor
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which means that the borrower or like
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the owner of that business
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has some of their personal assets at
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stake in case they're not able to pay
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back the loan
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something a good rule to keep in mind we
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always say this high risk
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high reward low risk low reward the
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returns on season are pretty high
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so there's still a level of risk
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involved
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just be mindful of that so you might be
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wondering what happens if i
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subscribe to a loan but then it's not
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like fully funded
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so something else that cedin does is
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that they employ this concept called
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pre-funding traditional crowdfunding
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assay requires that all
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investors wait until the target amount
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is reached
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and if it's not reached usually the
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money is returned back to the investors
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so it says on their website that cdn is
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one of the first debt crowdfunding
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platforms in asia
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to pioneer the use of pre-funding so
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what that essentially means is that they
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invest their own money
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into the business loan it's not just
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them accepting
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loans from wherever and then they let
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their investors invest in it
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no also them as a business they put some
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of their money into that loan
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and that just shows how confident they
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are in the business funding request
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it gives them an incentive to really
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assess the credit risk
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of the loan like okay based on the
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financial statements of this company how
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it's performing
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should be loaned to this business now
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let's talk about how to start investing
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in seed in
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first and foremost very obvious you
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first need to register
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so like i said i'll leave a link in the
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description below for you to sign up to
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seed in
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so you need to fill in your personal
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information as well as submit a proof of
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identity
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and proof of address they have a list of
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accepted ids under our website
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but i think they accept most ids do note
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that cedan actually has a mobile app as
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well so in addition to their website you
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can also
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monitor and track your investments
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through their mobile app
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so once your account has been verified
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you're good to go you can now top up
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your account
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cash in so you can start investing cdn
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has a lot of different payment types i
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think
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most payment types they support bank
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transfer options then they have online
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banking
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mobile wallet they support g cash coins
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and others
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and there's also over the counter
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topping in so for example 711
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and euler the minimum amount that you
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can invest in this platform like i said
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is one thousand pesos so kai and kaya
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hayan
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if ever you want to start once you have
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funds deposited in your account you can
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start
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funding the available investments so
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sometimes there's none but other times
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there is like currently there's one
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available now
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so if you see it it's grayed out that
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means it's fully funded
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but currently there's one available with
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this investment id
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that has a gross return 11 and it has a
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10-year
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maturity of 12 months this loan has
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pledged collaterals
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and then it's also approved by a credit
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risk committee
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and there's also a personal guarantor
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for this loan
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so this specific loan is my square meter
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this is actually a singaporean real
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estate developer company
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you can also scroll down and you'll see
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the fact sheet
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so on the fact sheet you can get more
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information about the company
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about the loan and very conveniently
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season also shows
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a calculator so you have an idea of how
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much interest you're actually going to
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earn
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so let's say for example you're going to
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be investing 1 000 pesos into this loan
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the total interest rate is 77 pesos and
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4 cents
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so for this particular loan the
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repayment term is balloon which means
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that
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only the interest is going to be paid
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out until the end but
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most of the loans here are have an equal
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repayment
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term which means that every month you'll
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be paid out the capital
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plus interest the amounts stated above
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are already net
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of the 10 risk management fee that's
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seen in charges
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as well as the 20 withholding tax
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deducted from the interest that you earn
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there are more and more investors
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signing up to see the now
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so a lot of the loans take really quick
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to be fully funded
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what you can do is actually turn on this
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feature they have on their platform
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called alfred so it's an auto investment
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program where you can set the rules
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so that it will automatically invest the
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funds for you
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or you just need to say okay i want to
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invest in these industries
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at these rates this is the limit of how
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much i want to invest
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and yeah you just set those rules now i
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want to talk about my experience with
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seed
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so i mentioned that i started using seed
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in back in march of 2019
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i learned about them in a fintech
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conference so edison chai
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the executive director of the company
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here in the philippines actually gave a
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talk
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explaining what they do at seed in and
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their mission and all those things and i
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thought
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hey that's pretty cool so i have a
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spreadsheet
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so in my previous videos i talked about
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how i love tracking everything with
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spreadsheets
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so honestly you can already track your
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investments with the platform
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but i like inputting it on the
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spreadsheet so i can
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integrate it with my other portfolio
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tracking
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investment kind of things since i
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started investing in 2019
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none of the loans have defaulted and
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especially now whether
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miss rona is ravaging the world i still
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receive
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my repayments on time nothing has been
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delayed some of them even earlier
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so this is great one of the reasons why
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i like investing in cd as well
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is because i i get some cash flow
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like it's great to have investments but
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it's even better if you have cash flow
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this is one of the main reasons why
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people invest in real estate right
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every month they get payments of like
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people staying in that but for example
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when you're investing in stocks
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specifically non-dividend paying stocks
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or even mutual funds
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you really don't receive any monthly
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income
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you just wait for the price to
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appreciate yeah i can talk more about
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that in a separate video
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so the featured comment for this video
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is by mika
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so she says that she should be watching
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videos or related topics like this
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whenever she feels the need to buy
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things impulsively
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that's very funny because the previous
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video i talked about impulse buying
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but yeah sometimes you just need someone
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to tell you don't
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stop so before i wrap this video up now
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i just want to take the time to thank
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you guys like
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one big thank you because we just
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recently
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hit past 8 000 subscribers like
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it's one of the things that i only
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started this channel back in may
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but here we are now it's october 17 and
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we're
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past 8 000. wow thank you guys so much
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currently i guess some updates in my
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life school is getting heavy which is
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the reason why i didn't upload last week
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so
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hope you guys understand i really
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appreciate your support thank you bread
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fam
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so close to 10 000 subscribers i
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appreciate you guys a lot
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so you guys can follow me on instagram i
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post stories there almost every day
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like the facebook page join the discord
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server
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thank you guys so much for watching see
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you guys next week
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bye seeking short-term financing
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until the application is removed
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next something
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are you done
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[Music]
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i'm trying to film a youtube video shut
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up doggy
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it worked
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