What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos?

Поділитися
Вставка
  • Опубліковано 6 січ 2025

КОМЕНТАРІ • 890

  • @equilezstealth460
    @equilezstealth460 4 роки тому +58

    I've followed so many UA-cam Influencer, Sir. Fermin, kayo lang po ang pinaka detailed na magpaliwanag. Keep on uploading po, More Power!

    • @ofwpower
      @ofwpower  4 роки тому +3

      Thanks po and good luck.

    • @KAGITARISTA
      @KAGITARISTA 4 роки тому +2

      kaya nga thank you po talaga sir fermin idol kopo kayo at napakalinaw ng paliwanag nyo mabilis maintindihan direct to the point walang paligoy ligoy...

    • @ofwpower
      @ofwpower  4 роки тому +3

      @@KAGITARISTA thank you very much po. I really appreciate your kind words po. Ingat po kayo palagi.

    • @jackcollado360
      @jackcollado360 3 роки тому

      Agree!!!!

    • @janvagabond985
      @janvagabond985 2 роки тому +2

      There's Vince Rapisura, he also one of the best financial gurus.

  • @downpourmaker8058
    @downpourmaker8058 3 роки тому +3

    ito dapat tinuturo s school... elementary p lng sna tinuturuan ng mga ganito...

  • @gracejiwook4860
    @gracejiwook4860 9 місяців тому +1

    I like the way you explained Sir, Direct to the point. Walang mekus mekus!!

  • @ptipti7433
    @ptipti7433 4 роки тому +1

    Very clear magexplain naiintindihan ng zero knowledge sa mga investments na ganyan like me..step by step talaga ty very much

    • @ofwpower
      @ofwpower  4 роки тому

      Good to know that po. Good luck po.

  • @gingergravy
    @gingergravy 4 роки тому +13

    If you're 45 years old and below, I suggest that you get the equity fund, because its for long term.

    • @ofwpower
      @ofwpower  4 роки тому +4

      Fully agree Joshua.

  • @Queendls705
    @Queendls705 4 роки тому +3

    Dami ko pong ni follow na nga mga nagtuturo ng financial literacy at investments pero kayo lang po ang maliwanag at naiintindihan ko..thank u po mentoring sir. Araw2 ko po kayo pinapanuod.

    • @ofwpower
      @ofwpower  4 роки тому

      Thank you po. I really appreciate your kind words. Its good to know po na may napupulot po kayong aral sa ating channel. All the best po and good luck.

    • @nancyespina846
      @nancyespina846 3 роки тому +1

      same din po sir paulit ulit ko po pinakikinggan at pinapanood mga videos niyo more power and more videos to upload pa po God bless..

    • @ofwpower
      @ofwpower  3 роки тому +1

      @@nancyespina846 thank you Nancy. Sana may natututunan po kayo. All the best po and good luck.👍

  • @mitchtubalevlogs5614
    @mitchtubalevlogs5614 4 роки тому +9

    Ang galing nang explanation, mahinahon at slowly, ang galing kaya thumps up ako sayo

  • @gadpinza3610
    @gadpinza3610 2 роки тому +1

    thanks so much po...malinaw, simple po ang pagkakaexplain nyo kaya po madaling maintindihan.
    mag invest ako sa PERA.
    thanks po and God bless

    • @ofwpower
      @ofwpower  2 роки тому

      Welcome po and All the best po!

  • @chrisc5991
    @chrisc5991 2 роки тому +1

    That's compounding for you that's why time in the market beats timing the market

  • @veecee2657
    @veecee2657 3 роки тому +2

    salamat po sa shinishare nyo pog kaalaman! alam ko pong d madaing gumawa ng mga ganitong klaseng video.thumbs up po!

    • @ofwpower
      @ofwpower  3 роки тому +1

      Thanks for your kind words. All the best.

  • @florencioiiiubas1044
    @florencioiiiubas1044 3 роки тому +4

    You are so amazing Sir! I never heard of that "PERA" until I check your video. Thank you so much & God bless.

    • @ofwpower
      @ofwpower  3 роки тому

      thanks and good luck.

  • @ermijamesjames8128
    @ermijamesjames8128 4 роки тому +8

    You are really amazing sir, the way you explained it...its very easy to understand.
    I'm glad i found your channel. Thank you for sharing your knowledge about investing.

  • @sarahsapunganSG
    @sarahsapunganSG 2 роки тому +1

    salamat po dito sir, na re-kindle tuloy yung aking seedbox na hindi matuloy tuloy, (di kasi nagpproceed dati) pero ngayon ay ok na ang seedbox,

    • @Layput
      @Layput 2 роки тому

      Don't invest in PERA. It is not good. Invest in MP2 better

  • @cesstravelvlogs7949
    @cesstravelvlogs7949 2 роки тому +1

    thank u for this.. you explained it very well.. im planning to open mine this year.. i didnt know this before.. im one of the lucky Filipino today..God Bless

    • @ofwpower
      @ofwpower  2 роки тому

      Wow, good to know that po. All the best po.

  • @Aaron10.12
    @Aaron10.12 4 роки тому +1

    Ngayon ko pa lang na panuod. Maraming salamat sir

    • @ofwpower
      @ofwpower  4 роки тому

      Good luck po and enjoy.

  • @evangelinemagana9918
    @evangelinemagana9918 3 роки тому +1

    now ko lng napanood e2.salamat sir sa info..kaso need tin number.hirap kumuha pg ofw

    • @ofwpower
      @ofwpower  3 роки тому +1

      Pwede po kayo patulong sa inyong mga kamag anak sa Pinas.

  • @strawberrymoon1323
    @strawberrymoon1323 3 роки тому +4

    Thank you so much for this valuable information, sir! I'm a first-year accountancy student and I learned a lot in this video that is aligned in my accounting and law subjects!

    • @ofwpower
      @ofwpower  3 роки тому

      Good to know that Jonathan. All the best and good luck po.

    • @BattleSymphony349
      @BattleSymphony349 Рік тому

      @@ofwpower Saan at paano mag apply sir? under sa BSP to sir not landbank or pag ibig?

  • @ella-hp9dy
    @ella-hp9dy 4 роки тому +2

    I hope someday may enough na akong pera para makapag start na akong mag invest
    napaka importante po talaga ang mag invest pra po di magiging kawawa pag matanda na
    God bless po..always here waiting for your uploads

    • @ofwpower
      @ofwpower  4 роки тому

      Awesome! Thanks Ella. Good luck po amd God bless.

    • @argailarnisto5493
      @argailarnisto5493 4 роки тому +1

      Yes ako ngstart ng Mp2 at SSS

    • @ofwpower
      @ofwpower  4 роки тому

      @@argailarnisto5493 good luck.

  • @krystlcrtz
    @krystlcrtz 3 роки тому +4

    Pwede po paexplain yung about sa tax credit? What if working sa private sector and yung company yung nagbabayad sa BIR ng Tax withheld, pano magagamit yung tax credit?

  • @ROCKZTARRChannelClickHereNow
    @ROCKZTARRChannelClickHereNow 3 роки тому +1

    Salamat po sa topics na ito , now ko lang nalaman ito

    • @ofwpower
      @ofwpower  3 роки тому

      Welcome po and good luck.👍

  • @swedemartyrsonswade
    @swedemartyrsonswade 4 роки тому +4

    Thank you for well explained financial product coming from the government, Millennial po ako, and I have been exhausting my money to luxury brand and gadgets na in long time mag expire na din. Thinking that would be a good investment (in which I am very wrong). I go to precious metals (Gold) pero not enough due to exorbitant and bloated prices of those makers, parang di lang precious metal ang binili ko pati brand nag jewelry store. I just know this today, I am already attune to BDO PERA program nag enroll na ako. Gonna spread the news sir! Kudos!

    • @ofwpower
      @ofwpower  4 роки тому

      That's awesome @Neil. I am very happy and proud of your progress. All the best and good luck in your journey.

  • @ryanlochte4816
    @ryanlochte4816 3 роки тому +1

    salamat po sa malinaw at kalmadong paliwanag Sir!👍

  • @Asdfjkl-j2b
    @Asdfjkl-j2b 3 роки тому +5

    I saw this video and it inspired me to choose PERA to invest and save for my retirement. My experience in opening an account is a bit disappointing. The 15 minute video call became 3 minutes and I was just told that I will receive an email for further instruction. Lo and behold, I learned that my request has been declined due to missing/incorrect settlement info. This is something that I should have been informed from the video call. Then when I updated the required details I have to go through another call. It's just unfortunate that I work night shift and I have to wait another hour and a half to get this done. Very disappointing. Sana natulog n lang ako. Also, I tried their live chat, no one is responding. Hope this helps esp.those folks n night shift din ang work. Baon kayo ng patience aside from pagpipigil sa antok. Maybe in the future they will improve their process and make it more convenient so more Filipinos will take time to invest in PERA.
    Edit: PERA verified my account after the update I did and wala na video call. Thank God pwede na matulog ng mahimbing 😆

    • @ofwpower
      @ofwpower  3 роки тому +1

      sorry to hear your bad experience. but then congratulations pa rin po! good luck!

  • @rowenamolina2204
    @rowenamolina2204 4 роки тому +10

    Very informative , Thanks Fermin ! napagaling mo magpaliwanag .

    • @ofwpower
      @ofwpower  4 роки тому

      Thanks Rowena. All the best.

  • @Sevtenerblog
    @Sevtenerblog 3 роки тому +1

    Napaka klaro thanks

    • @ofwpower
      @ofwpower  3 роки тому

      thanks and good luck.

  • @analouierosales4362
    @analouierosales4362 4 роки тому +1

    Maraming salamat sir! Klarong klaro po ang explanation.

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome po Ana and good luck.👍

  • @ambers8353
    @ambers8353 4 роки тому +2

    Thanks sa insert nitong P.E.R.A
    For me mas ok pa rin pala ang COL. Ayon sa aking nakikita. 😊

    • @ofwpower
      @ofwpower  4 роки тому

      Watch out po of our upcomimg PERA videos.

    • @efrenocampo6578
      @efrenocampo6578 4 роки тому +1

      Magkanu po dividend?

    • @ofwpower
      @ofwpower  4 роки тому

      @@efrenocampo6578 depends on thr type of investment.

  • @MaricrisManoos
    @MaricrisManoos Рік тому

    Kodus! for explaining it very clearly!

  • @princeheusen3723
    @princeheusen3723 4 роки тому +1

    More videos for PERA po like ano-ano ang mga investment products sa PERA account thru seedbox? among the investment products, ano mga cons and pros nito? detailed review every investment products available in PERA including expense ratio. Maraming salamat po! more power!

    • @ofwpower
      @ofwpower  4 роки тому +1

      Noted po. In the future po.

    • @fidelcalderon1918
      @fidelcalderon1918 3 роки тому +1

      Salamat po. Malaking tulong po ito para sa mga tulad namin. Dagdag na impormasyon pa po. Salamat ulit.

    • @ofwpower
      @ofwpower  3 роки тому

      Welcome po Fidel and good luck.

  • @luluagudo6638
    @luluagudo6638 4 роки тому +9

    Please discuss the risks... chances that meager interest shall be earned and even the chance of losing a portion of one's investment.

    • @ofwpower
      @ofwpower  4 роки тому +1

      You youre risk averse, Equity Fund is not right for you. You will know Your risk profile upon enrolment.

  • @angelicagabotas
    @angelicagabotas 2 роки тому

    Thank you so much Sir for your detailed and clear explanation of PERA, this helps me a lot and I learned something about PERA😍

  • @leeennn1936
    @leeennn1936 2 роки тому +1

    Sir follow up videos please po🙏
    Nka 7 videos po ako this morning while preparing breakfast ng mga amo keep it up.
    Super inspiring po tlga mga videos mo

    • @ofwpower
      @ofwpower  2 роки тому

      wow, thanks for your support Leennn. will do that so please watch out.

  • @arfiltv
    @arfiltv 3 роки тому +1

    sir sobrang thank you po .so helpful po ito para sa amin..

    • @ofwpower
      @ofwpower  3 роки тому

      Welcome po Arfil. All the best and good luck po.

  • @karlorotao5785
    @karlorotao5785 2 роки тому

    I invested sa Mp2 way back then dahil sa video nyo about it, now I'm just learning din ung P.E.R.A. Di ko rin inexpect na ganun palang kakaunti ang nag iinvest dito. Good financial vehicle din to para sa retirement fund ko. Again, thank you for this informative video.

  • @gemmocolaba553
    @gemmocolaba553 3 роки тому +1

    Magaling la sir mag explain.

    • @ofwpower
      @ofwpower  3 роки тому

      thanks a lot Gemmo. good to know that. good luck po.

  • @jocelynajero3607
    @jocelynajero3607 3 роки тому +1

    salamat po sir. may natutunan po..

    • @ofwpower
      @ofwpower  3 роки тому

      Welcome po JA and good luck.👍

  • @Dong20001
    @Dong20001 3 роки тому +1

    Ang taas naman return ang liit ng actual minus inflation.

  • @leocadiojoselaconico980
    @leocadiojoselaconico980 3 роки тому +1

    Good presentation sir, it's clear and helpful for everybody, but reduce a little bit your speed in explaining something, para mas clearer sir. Thanks.

  • @Wonderfully-made
    @Wonderfully-made 4 роки тому +1

    Thank you so much po sir Fermin👌 madali Kong naintindihan Ang inyong explanations at sigurado na po ako ngayon Kung saan ko po dapat i-invest Ang aking pera for retirement.

    • @ofwpower
      @ofwpower  4 роки тому

      Wow, all the best po and good luck!👍

  • @rezvital9061
    @rezvital9061 Рік тому

    For me the best pa rin ang Mp2. Thanks anyway for sharing your ideas about pera.

  • @anaizatan5011
    @anaizatan5011 3 роки тому +1

    I need this one. Thanks for the information.

  • @chindee8176
    @chindee8176 3 роки тому +1

    Very well explained

    • @ofwpower
      @ofwpower  3 роки тому +1

      thanks Chin. all the best and good luck.

  • @estelitacapili1077
    @estelitacapili1077 4 роки тому +3

    salamat po sir sa info.
    hopeless case na po pala ako na mag invest sa PERA
    55 yrs old na po ako
    sayang😒

    • @ofwpower
      @ofwpower  4 роки тому +2

      You still can po Ate Estelita. Everyine can. You just need to contribute for 5 years to take advantage of the tax free incentives.

  • @maecondelnorte411
    @maecondelnorte411 4 роки тому +1

    Sir ang galing nio mag paliwanag more power and god bless you.

    • @ofwpower
      @ofwpower  4 роки тому

      thanks Mae. good luck po.

    • @melodiegicana6744
      @melodiegicana6744 4 роки тому +1

      S
      Hi sir. The new viewer here. Thank you and god bless more to your very informative vlog.
      Ask ko lang po. Sa Pera po lumpsum na 100k or 200k every year, wala pong monthly unlike sa mp2 po na available ang different contribution if ever hindi afford a yearly lump sum.( It's just my Clarification). Thank you again.

    • @ofwpower
      @ofwpower  4 роки тому +1

      @@melodiegicana6744 hindi po. Sa paghuhulog depende kung ano ma afford po ninyo. Good luck po. Hindi kailangang 100k agad.

  • @mercysalingay1879
    @mercysalingay1879 3 роки тому +1

    Salamat sa kaalaman po

    • @ofwpower
      @ofwpower  3 роки тому

      welcome po and good luck.

  • @jaycee8614
    @jaycee8614 4 роки тому +1

    Thank you for sharing your knowledge to us sir. It's not a waste of time na pinanood ko po ito. Naka 3 videos nyo po ako today.
    May video po ba kayo comparing PERA and UITF. May UITF na po kasi ako sa BPI. napansin ko parang same lang yung PERA at UITF.

    • @ofwpower
      @ofwpower  4 роки тому +1

      You can view our videos on PERA po. Hope this will answer your questions. Enjoy!
      P.E.R.A.
      - [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ua-cam.com/video/Aea89drtO3c/v-deo.html
      - [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - ua-cam.com/video/jCU0D2g_Meo/v-deo.html
      - [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ua-cam.com/video/Kd-KXkvdZwA/v-deo.html
      - [ ] How to Open PERA Account Online - Step by Step - ua-cam.com/video/1WjXVT7PV6Q/v-deo.html
      - [ ] MP2 versus PERA: Part 2 - Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - ua-cam.com/video/44miI_8EQsM/v-deo.html
      - [ ] Part 1: Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - ua-cam.com/video/JCXZS35OT6k/v-deo.html
      - [ ] What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos? - ua-cam.com/video/4yqcFYT5kVI/v-deo.html

    • @lyshan12
      @lyshan12 4 роки тому +1

      @@ofwpower Thank you po!

    • @ofwpower
      @ofwpower  4 роки тому +1

      @@lyshan12 welcome po.

  • @lizabriones7340
    @lizabriones7340 4 роки тому +3

    Sa BDO, 1% po ang management fee and 50 peso trust fee per transaction. However I was charged 1% on the initial contributions, the following two top up has no1% charge only 50 pesos 🤩

  • @shasang2608
    @shasang2608 Рік тому

    Galing ni sir magpaliwanag

  • @jaspermanaba6827
    @jaspermanaba6827 4 роки тому +1

    Ngayon ko lang din nalaman.

  • @lynraquel9665
    @lynraquel9665 3 роки тому +1

    Very detailed explanation ..
    Good job

    • @ofwpower
      @ofwpower  3 роки тому +1

      Thanks a lot. Good luck po.

  • @Graciously4201
    @Graciously4201 11 місяців тому

    Update po! 😊 just discovered this. More insights po sana or updates sa PERA

  • @kimsoeyun
    @kimsoeyun 4 роки тому +1

    more power po ,ang linaw po nyong magpaliwang..very imformative

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome po and all the best.

  • @jocelyncruz9471
    @jocelyncruz9471 4 роки тому +3

    Good day sir panu po mgapply s PERA at mgkanu po hulog monthly ...Thanks po...stay safe us all....

  • @allanreyes4161
    @allanreyes4161 4 роки тому +1

    Thanks sir Fermin. Very detailed

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome po and good luck.

  • @bersabeliza1113
    @bersabeliza1113 4 роки тому +2

    Ang Ganda po sir , kaya lang 53 yrs. old na ako , its too late na 😞

    • @ofwpower
      @ofwpower  4 роки тому +1

      You can still invest - if you want.

  • @roslenejoyceestacio4703
    @roslenejoyceestacio4703 2 роки тому

    Salamat po sa mga videos nyo,sir.

  • @Loverbhoi
    @Loverbhoi 4 роки тому +1

    GOOD MORNING FROM ABUDABI.WELL EXPLAIN SIR FERMIN👏👏👏KEEP IT UP AND GOD BLESS YOU

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome Rey and all the best.

  • @kajoelbasas
    @kajoelbasas 4 роки тому +2

    Thank you talaga ka Fermin. Laki talaga ng tulong mo sa amin

    • @ofwpower
      @ofwpower  4 роки тому

      Youre welcome po Ka Joel. Ingat po kayo palagi and God bless. Anong lokal po ba kayo?

    • @kajoelbasas
      @kajoelbasas 4 роки тому +1

      Lokal ng Pyeongtaek po. Remember BTP. Band Together Pyeongtaek hahaha

    • @ofwpower
      @ofwpower  4 роки тому

      @@kajoelbasas awesome! Wow! I like all your renditions po. All the best po Ka Joel. Ingat po kayo palagi and regards po sa ating mga kapatid diyan.

  • @susanindabtubay6094
    @susanindabtubay6094 4 роки тому +1

    Thanks you Sir. For your new informative video.

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome po and good luck.

  • @MVVlogsOfficial
    @MVVlogsOfficial 4 роки тому +1

    Thanks sir..
    Well explained..
    More videos for this topic

    • @ofwpower
      @ofwpower  4 роки тому

      Good luck and noted on your request.

  • @annknown5083
    @annknown5083 4 роки тому +1

    Thank you Sir!very informative.make a new video poif may update about PERA. Godbless:)

    • @ofwpower
      @ofwpower  4 роки тому

      We will. Good luck.

  • @joncal6928
    @joncal6928 4 роки тому +2

    Watching it again after the live show.

    • @ofwpower
      @ofwpower  4 роки тому +1

      Thanks Jon. Enjoy watching po.

    • @joycediamante263
      @joycediamante263 4 роки тому +1

      Sir,how to invest PERA po ,dito ako sa Singapore now..saan pde maka-invest dito? Thanks po kung masagot..🤗
      More power to your channel

    • @ofwpower
      @ofwpower  4 роки тому

      @@joycediamante263 you can go to lucky plaza and inquire sa BPI or BDO branch nila diyan. Pwede rin po kayo magopen online thru pera.seedbox.ph ng ATRAM. Gagawa po kami ng video ukol dito. Good luck.

  • @happyplace9250
    @happyplace9250 3 роки тому +2

    Very informative! Thank you for this! Keep making videos like this. Kudos!:)

    • @ofwpower
      @ofwpower  3 роки тому

      Thank you! Will do! Good luck po.

  • @marcialama7525
    @marcialama7525 3 роки тому +1

    Good afternoon sir..ndi q po masyado maintindihan yung computation..sna may katulad ng explanations kgaya ng MP2 sir..

  • @pobrengseamanstranded79
    @pobrengseamanstranded79 4 роки тому +1

    Nice video dagdag kalaman

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome po and good luck.

  • @nickosalazar1553
    @nickosalazar1553 3 роки тому +1

    Sir, ask ko lang po if kamusta na po ung PERA account nio up to this year 2021? May mga new info po b kau na nalaman? Salamat po

  • @afterrecession
    @afterrecession 4 роки тому +1

    Thank you for this video, sir. Very informative. Waiting po for the follow-up videos. More power!

    • @ofwpower
      @ofwpower  4 роки тому +1

      Opo pasensiya na po kayo at medyo busy po tayo. Welcome po and good luck.

  • @joycediamante263
    @joycediamante263 4 роки тому +1

    New subscriber here Sir,para maka-gain ng kaalaman about investment or panu maalagaan Ang income here in abroad at may mainvest din before mag retire..

    • @ofwpower
      @ofwpower  4 роки тому

      Awesome! Good luck Joyce.

  • @risefortunado3557
    @risefortunado3557 3 роки тому

    Wow! Thank you again Sir Fermin! New learning nanaman ito Big help po. May video na po ba kayong step-by-step how to open P.E.R.A Account? And video update po kung nakapag invest na kayo sa P.E.R.A? Thank you po ulit. More poer and God bless

  • @CharmHuxley
    @CharmHuxley 4 роки тому +1

    gonna try this

    • @ofwpower
      @ofwpower  3 роки тому +1

      All the best and good luck po.

  • @jackcollado360
    @jackcollado360 3 роки тому +1

    Sir Namiss ko po kayo! I mean Namiss ko po kayo panuorin. ☺️ Dahil sa inyo nakapag-invest ako sa MP2. ☺️

    • @ofwpower
      @ofwpower  3 роки тому +1

      Wow, welcome back po Jack. Ingat poz

  • @abelardomepania4760
    @abelardomepania4760 4 роки тому +2

    Sir wala bang masmabba sa 100k sa ung pera saving investment na deniscus.

    • @ofwpower
      @ofwpower  4 роки тому

      100k is maximum. hindi kailangang umabot sa maximum ang inyong investment sa PERA kung di naman kaya.

  • @rodelasuncion5355
    @rodelasuncion5355 3 роки тому +2

    Sir paano mag hulog e wala nmn akong kilalang tao ,sir paano kung isang beses lang mag hulog tapos hintayin muna 55yr old pwede yun

    • @ofwpower
      @ofwpower  3 роки тому +1

      Sa PERA, kailangan pong may hulog at least one time bawat taon. Para ma withdraw mo ang inyong investment once you reach 55 years old and have at least 5 years of contribution.

  • @luisdaguio8782
    @luisdaguio8782 4 роки тому +1

    Salamat po sir Fermin

  • @vanessacacayan2227
    @vanessacacayan2227 4 роки тому +1

    Hello po sir fermin..salamat po sa info. Nag invest po ako sa mutual fund via col financial (equity at bond po). Nagsimula na rin po ako sa mp2. Ang tanong ko lang po ano ang kaibahan po mga ito saPERA po.. salamat po

    • @ofwpower
      @ofwpower  4 роки тому +1

      Wow, first of all congratulations po Vanessa. Please watch our QnA videos, Part 1 and Part 2 - hope your questions will be answered. Watch out also for another video on the detailed discussion on the difference between both MP2 and PERA. All the best!

    • @vanessacacayan2227
      @vanessacacayan2227 4 роки тому +1

      Salamat po

    • @ofwpower
      @ofwpower  4 роки тому

      @@vanessacacayan2227 all the best.

  • @jonathanr.ropero5972
    @jonathanr.ropero5972 4 роки тому +1

    thank you so much sir sa info.godbless

    • @ofwpower
      @ofwpower  4 роки тому +1

      Welcome po and good luck.

  • @bryday311
    @bryday311 4 роки тому +1

    Sana matuloy na ung tax credit. Paano po pag compute nun? What if 500k na total investments. Ito na ang basis sa computation ng tax credit?

    • @ofwpower
      @ofwpower  4 роки тому

      Tax credit is given every year. That means if you max out your 100k cap, you will have a tax credit cap of 5,000 every year.

  • @christinejoyewayan7359
    @christinejoyewayan7359 2 роки тому +1

    Hi sir! Question lang po. Pwede ba yung less than 100k/year and ung mga naghahawak (bdo, bpi, atram) ay tumatanggap ng auto deduction sa debit account (parang eip ng bdo)?

  • @raichu4838
    @raichu4838 4 роки тому +1

    Hi Sir thnk u s paliwanag nyu so maganda bang mag invest s panahong ngayung Pandemic eh since di gaanong mabuti ang kalagayan ng economy ntin?

    • @ofwpower
      @ofwpower  4 роки тому

      Rai Chu yes definitely. This is one of the best time to invest.

    • @raichu4838
      @raichu4838 4 роки тому +1

      @@ofwpower hello Sir thnk u sa pag reply po , nag enrolk n po ako s a online s bdo sa PERa.. tas mya info dun n need lagyan , ung s contribution amout hm ang nalagay ko is 5k ang isip ko is 5k a month tama po b un? Or un ang amount n plan mo ihulog for the mwhole yr pero nasubmit ko n :( nag wawait n lng ng confirmation.. panu un tama po b un

    • @ofwpower
      @ofwpower  4 роки тому

      @@raichu4838 i think that should be okay. The contribution amount is just for reference purposes - hindi talaga ang actual amount ma kailangan mong ihulog monthly or yearly.

    • @raichu4838
      @raichu4838 4 роки тому +1

      Thnak u po s reply Sir!

    • @ofwpower
      @ofwpower  4 роки тому

      @@raichu4838 welcome po and good luck.

  • @maryroseflores2002
    @maryroseflores2002 3 роки тому +1

    Hello sir pasagot naman po itong tanong ko..
    Nag atart ako ngaYung taon sa mp2 january nag hulog ako ng 10k pesos po..tapos nkalagay na period time is
    202101~202601 ano po ba pd kung gawin?pd ba ako mag continue sa same account no.ng mp2 ko o mag open ako ulit ng bago?

    • @itsmeserdeñaeden
      @itsmeserdeñaeden 3 роки тому

      5 years lang po talaga Yung MP2 savings ng Pag-IBIG pero after that pwede uli tayo mag-open ng new account. Yan po paliwanag sa akin sa Pag-IBIG Valenzuela Branch

  • @Farmerslife-1984
    @Farmerslife-1984 4 роки тому +1

    Salamat kaayo sa tips

    • @ofwpower
      @ofwpower  4 роки тому

      Good luck po and Ingat po Dodoy.

  • @arielroguel333
    @arielroguel333 4 роки тому +1

    sayang late na para sa akin kasi 55 yrs old na ako ngayon. late info at ngayon ko lng ito na laman.

    • @ofwpower
      @ofwpower  4 роки тому

      Yes po kuya Ariel. Kami man ay ngayon lang din po namin ito nalaman. Sorry po.

  • @jayberavance1255
    @jayberavance1255 3 роки тому +1

    Sir fermin Saan nman po mghuhulog ng contribution dito s PERA,at Saan nman ito ma claim after 55yrs. Old at nka 5yrs. Contribution na.

    • @ofwpower
      @ofwpower  3 роки тому

      pede po ito online Jayber. self costudianship and your administrator is ATRAM.

  • @dotawtfph3250
    @dotawtfph3250 Рік тому

    Sir bali pag may binebenta kang property yung CGT is pwedi na d bayran I mean E ddrtso na sa PERA?

  • @mitchtubalevlogs5614
    @mitchtubalevlogs5614 4 роки тому

    Thank you again very informative

  • @ronaldodelacruz3622
    @ronaldodelacruz3622 3 роки тому

    ang ganda nitong magiging passively income para sa atin, BUT ako po'y 55 yearsold na bago ako makauwi sa Pinas dahil sa pandemia ito. I have a dual citizen, at walang question dyan. Mas gusto ko pong umuwi sa Pinas kong ayaw ko ng mag trabahu. Peudi pa kaya ang 55 years old? Salamat sa mga kasagutan.

  • @ciaradiaagundiz4148
    @ciaradiaagundiz4148 3 роки тому +2

    Good day! Thank you sa malinaw na pagkaka explain.. Question po, automatically po kasi nakakaltas ang PERA sa amin as stated po sa payslip. Paano po namin malalaman kung saan po ito nainvest since hindi po kami yung voluntarily na naghulog.. Gov't employee po ako.. ☺️

    • @ofwpower
      @ofwpower  3 роки тому

      Congratulations po. You need to ask your HR or Finance po about the detailes of your PERA investment. Sa pagkakaalam ko po kayo po ang dapat magsasabi kung saang investment ninyo ito ilalagay. Good luck po.

  • @ramilitocabatbat4660
    @ramilitocabatbat4660 4 роки тому +1

    hi sir fermin ano pong difference nito sa mp2. anong mas maganda mp2 or pera

    • @ofwpower
      @ofwpower  4 роки тому

      We will discuss and have a detailed discussion po. Both a good investments po.

  • @zusethsalvador674
    @zusethsalvador674 3 роки тому +1

    Good explanation ,but sa mga OFW na mababa lang sahod at d kaya ang 100k na fund ,so hinde kami included sa P.E.R.A.

    • @ofwpower
      @ofwpower  3 роки тому

      100k or 200k is maximum na po yun. Above that amount hindi na kayo papayagan ng PERA ma magdagdag sa inyong investment. Below 100k ay peedeng pwede po.

    • @zusethsalvador674
      @zusethsalvador674 3 роки тому +1

      @@ofwpower Thank you sir

    • @ofwpower
      @ofwpower  3 роки тому

      Welcome po and good luck.👍

  • @flyinginvestor8181
    @flyinginvestor8181 2 роки тому

    Sir yung contribution per year kelan mag start yun? Simula ba sa pag open mo ng account or kung kelan nag start yung program?

  • @erwinavila5355
    @erwinavila5355 4 роки тому +1

    Thank you

    • @ofwpower
      @ofwpower  4 роки тому

      Welcome po and good luck.👍

  • @foodieadventure8210
    @foodieadventure8210 4 роки тому +1

    Kailangan po ng BPI account bago mag open ng pera account Sa seed box? Kung overseas ako at walang BPi or Kahit anong Philippines bank branch, Ano Po and advice nyo where to start? Salamat

    • @ofwpower
      @ofwpower  4 роки тому +1

      Please contact seebbox directly on how you can fund your account. Good luck.👍

  • @elmabolina1946
    @elmabolina1946 4 роки тому +1

    Please make a video how to open PERA acct. Salamat

  • @marycrismala-ay3621
    @marycrismala-ay3621 3 роки тому +1

    Paano po ba ang computation?

  • @charlesescanan726
    @charlesescanan726 4 роки тому +1

    Well explained po

    • @ofwpower
      @ofwpower  4 роки тому

      Thank you po and good luck.👍

  • @gimelgar4233
    @gimelgar4233 2 роки тому

    Sir question po. Monthly po ba itong hinuhulugan or kelangan one time annual payment of up to 100k ang kelangan? Thank u po

  • @carlevangelio1360
    @carlevangelio1360 3 роки тому +1

    Secured po ba yan sir sa mga hackers? para di makuha yung account?

  • @ginaowada3283
    @ginaowada3283 4 роки тому +1

    Sir fermin... after 55 years old saan po maganda mag invest ...salamat po

    • @ofwpower
      @ofwpower  4 роки тому

      If your goal is retirement, and if I were you, I would invest in the following:
      50% - Equity Index Mutual Fund
      50% - Bond Mutual Fund
      Good luck po.

    • @ginaowada3283
      @ginaowada3283 4 роки тому +1

      @@ofwpower ..thank you po sir

    • @ofwpower
      @ofwpower  4 роки тому

      @@ginaowada3283 welcome po and good luck.

  • @welfredolaborte2335
    @welfredolaborte2335 3 роки тому +1

    hi sir,fermin ask ko lang po kais ng open ako ng account sa seedbox ph.,peru hindi po ako mka proced sa pera/product may lumlabas na for vedio interview ,
    so do i wait for the interview from seedboxph?

    • @ofwpower
      @ofwpower  3 роки тому

      After submission sa PERA, you need to wait for the interview.

  • @deanvm9158
    @deanvm9158 4 роки тому +2

    Tama ba kalkulasyon ko, 100k / 12 = 8.3k. medyo mataas na monthly ito considering hanggang 55 years old. May table ka ba jan para sa mga mas mababang contribution? Example, yung mga 5k a month, 2k a month, at yung pinaka mababa na 1k a month?

    • @ofwpower
      @ofwpower  4 роки тому

      Hi Markdean, hindi po kailangang umabot sa 100k ang inyong investment in 1 year. Yung 100k po ay maximum na po yun. Hindi na po dapat lumampas po doon. Good luck po.