Investment sa Time Deposit

Hazel Sarmiento
is a Financial expert in the Philippines

Investment sa Time Deposit

ni: Hazel M. Sarmiento, CPA

Ang mga OFW palaging iniisip ang kinabukasan. Kaya nga madami sa kanila ang nagsasakripisyong mapalayo kumita lang ng mas malaki para masuportahan ang kanilang pamilya. Ngunit pano nga ba mapapalago ang perang pinaghirapan?

Isa sa mga kilalang investment ng mga Pinoy ay ang time deposit. A time deposit is a savings account in which the deposit is held for a fixed term or in which withdrawals can be made only after giving notice or with loss of interest Lahat tayo ay pamilyar sa savings account. Idedeposito ang pera sa bangko at bawat buwan ay may inaaasahang interes. Ganito din ang time deposit. Mag-iipon ng pera sa bangko ngunit may kaukulang “term” at ang interest rate ay mas mataas kaysa sa regular savings account.

Base sa kasalukuyang interest rate sa merkado, ang savings account ay tumutubo lamang ng 0.25%. Samantalang ang time deposit ay umaabot hanggang 3% kada taon. Habang tumatagal ang term ay tumataas ang interest nito.

Ang term ay maaaring 30 days, 60, 90, 180 o 360 days. May mga long-term time deposits din na tumatagal ng dalawa hanggang anim na taon . Sa loob ng term na ito ay hindi maaaring kunin o withdraw ang pera mula sa bangko. Ngunit kung sakaling bago matapos ang term ay kailangan mo ng pera, maaari naman itong withdraw sa pamamagitan ng “pre-termination”. Sa ganitong “pre-termination”, hindi na tatapusin ang term subalit may kaukulang penalty tulad ng interes na mas mababa kaysa sa napagkasunduan. Individuals and companies often consider time deposits as cash, or readily available funds, even though they are technically not payable on demand. The notice requirement also means that banks may assess a penalty for withdrawal before a specified date.

Bago matapos ang term, maaaring makipagkasundo sa bangko para sa “roll-over” ng pera. Sa pamamagitan ng “roll-over”, ang pera ay mananatili sa bangko upang tumubo ulit ng interes sa loob ng panibagong “term”. Halimbawa, ang isang 30 days time deposit na investment noong April 1 ay maaari ng withdraw sa April 30 kasama ng interes. Ngunit kung sa April 30 ay magkaroon ng “roll-over”, nangangahulugang ang pera ay sa May 30 pa makukuha dahil karagdagang 30 days ang itatagal nito sa bangko upang tumubo ng panibagong interes. A regular time deposit is suitable for short-term or immediate financial goals, since the interest is higher unlike regular savings or interest-bearing checking accounts. The longer the term, the higher the interest rate would be. For instance, a one-year certificate of deposit may offer a 1 percent APY, while a five-year CD for the same amount might provide a 1.65% APY. In addition, larger CDs (those with a higher deposit) generally offer more favorable interest rates.

Madaling magbukas ng time deposit account. Pumunta lamang sa bangko at magdala ng dalawang valid ID’s at kahit anong bill na nakapangalan sa iyo. Kung nasa abroad, siguradong may online bank account application. Mag-fill up lang ng form at pagkatapos ideposito ang pera, makakatanggap ka ng time deposit certificate. Dito nakasulat ang halaga ng time deposit, ang term at ang maturity date kung kailan maaaring kunin na ang pera.

Sa kabuuan, magandang investment ang time deposit. Ito’y simpleng pagpapalago ng iyong pera sa bangko.

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About the author

Hazel Sarmiento

More than 10 years of experience in the accounting profession - from a senior accounting clerk handling accounting software on production costing, cash, investments and fixed assets; a state accountant involved in the computerization of the government accounting system; to a full time college accounting instructor - strengthened my core competencies which include: (1) application of IFRS/IAS in the recording and analysis of financial information; (2) setup and operation of computerized accounting system; (3) preparation of financial and management reports, apart from detailing liabilities, assets, income, expenses and capital; and (4) teaching and developing instructional materials on financial accounting, cost accounting, basic accounting, partnership and corporation accounting, and government accounting.
Profession: Certified Public Accountant
Colegio De Sebastian
Office Address: Mac Arthur Highway
Philippines , Pampanga , City of San Fernando


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