Your Vlogs are VERY, Very CLEAR at easy to understand. Walang mga gimmick sa presentation. Walang "yabang" sa presentation di gaya ng karamihang UA-cam "performances" na over-confident, which is a turn off . May TIME STAMP pa! IKAW NA ANG "LEAH SALONGA" ng Pinoy UA-cam Vlog :) Keep the consistency and momentum.
Wow, i really appreciate your positive feedback Ricky. It really means a lot to me. Noted on your suggestions. Thank you very much. All the best and good luck po.
@@alphabravo9999 Hi Jerome i appreciate you leaving comments. But please help to promote positive / constructive criticisms. Maraming salamat po sa inyong pang unawa. Happy new year po sa inyo.
Not so complete but this guy is a very good speaker. His voice is pleasant to hear, he goes straight to his presentation and he explains very well his point. The best. Hope he'll have million of subscribers.
Your speaking voice & phase is very comfortable to listen to and you explain the points very well. Unlike the others who speak hurriedly, it’s so stressful for me 😂
Very informative po. Maraming salamat po sa mga guidance.. Just recently nag start napo ako this month march 2021 ng MP2 for 10k monthly po papasok ko po palagi. Maraming salamat po. Godbless po sir.
Talagang mabagal at malumanay magsalita na tunay namang nakatulong para maipaliwanag nang maayos ang iyong presentasyon mas madaling maunawaan. PADAYON!!
@@ofwpower kabayan tanong ko lang sna,kasi maturity na nang mp2 ko sa 2022,ang kaso unti lang nahulog ko dun...kya tnong ko po..pwede ko ba hndi widrahin ang pera na nahulog ko sa mp2 ko sa darating na 2022 ,at ituloy ko another 5yrs.same mp2 account?
Galing tlga kuya buti nakita ko channel mo nung nag open ako mp2 ko sayo kong natu2nan kung paano ba tong mp2 ! Good job well done! 👏👏👏Keep it up! #power
PERA is still in its infancy, as more banks get accredited and the longer it exists, and more people know about it, it'll eventually and inevitably become a good choice of retirement investment.
I still like mp2. Kasi after 5yrs you can get your money back. Unlike pera 55yrs old what if you start at late 40s ? Sir thank you so much for giving us knowledge .
Paano po mag open ng savings account sa mp2 online nandito po ako sa malaysia at 6 years na po ako dito nung pumunta po ako dito 2016 siningil po ako ng agency para sa pagibig memmbership pero diko po alam kung ibinayad po talaga
and what if po sir,,hindi pa umaabot ang 5years,e na dsgrasya ung nag invest ,namatay,,so pano po un,,my mga nakasaad po ba doon na if ever familly ang kukuha,.
Sir,nasad ako dahil nalaman ko na yong,maximum na 2,400 na binayad for jan to dec,ay di pumasok sa flexi account ko,ang paliwanag niya dko daw sinobrahan ang hulog,kasi pala ang 2,400 ilalagay sa ordenary at yong sobra daw yon ang ilalagay sa flexi account,ang masakit dna ako pwedeng maghulog dahil binayaran ko ang buong taon ng 2020.dko na ba pwedeng hulogan ang flexi di daw pwedeng maghulog ng para sa flexi lang.
Yes, PERA has tax advantages. You can check our videos below po. - [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - ua-cam.com/video/jCU0D2g_Meo/v-deo.html - [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ua-cam.com/video/Aea89drtO3c/v-deo.html - [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ua-cam.com/video/Kd-KXkvdZwA/v-deo.html
Hi Sir..maraming salamat sa napakagaling ninyong presentation..kagaya ninyo nsa abroad din ako pero walang PAG IBIG office d2 sa Philippine Embassy sa LONDON..nag register ako as a PAG IBIG member years ago pero hindi ako nkapag contribute kahit minsan..pwede ba akong mka invest sa MP2? at kung pwede paano ang processing para naging qualified for investment?.. Maraming Salamat..God bless 🙏
ang galing. na gets ko nanaman lol Sir, question naman. oarang napanod ko kay Sir Marvin Germo na ang PERA ay 1 year lock-in lang? Pero as you mentioned here, 5 yrs and both pera and mp2. Ano pa ba ang tama?
Hi Edwin, with your age okay lang naman po. Depende po sa kung kelan nio po kailangan ang inyong pera. Just make sure na yung funds are aligned with your objective and risk appetite.
gusto ko po sana mag open ng P.E.R.A,, kaso wala po akong t.i.n number hindi namn ako makakuwa kasi nandito ako sa abroad,, ano po ba ang magnadang gawin,,
hello sir what if po meron akong 3 na finill out na form tapos 1 lg yung sinubmit ko sa Pag-ibig office. Hindi po ba madededuct yung other 2 nafinill out ko? pero di ko naman ipinasa sa pag ibig yung other 2 forms
Very informative po ito lalo na sa gaya q ofw. May tanung po ako kc nung March 5 2020 nag open ako MP2 naghulog po ako sa Pagibig office kc umuwi ako pinas eh ngayon po gst q malaman kng kelan uli ako dapat mghulog sa March 5, 2021 or March 6 2021 o April2021? Salamat po.
Nasa sa inyo po. Kahit araw araw kayo maghulog sa MP2 pwede po. Wala pong requirement kung kelan dapat maghuhulog sa MP2. Bastat tandaan lang, the more malaki hinulog nio sa MP2, the earlier nio itong hinulog, the bigger the dividends.
Hypothetical question 🙋♂️: Fil-Am living in the USA, also has money in pesos in the Philippines. If you have to choose investing 10million pesos in MP2 or wire it to USA to invest in VTSAX, which would you choose? 40 y.o. Married, working ‘till 60y.o. Has emergency funds, paid off house, will receive pension, no major expenses. Will use either MP2 or VTSAX in retirement. Thank you.
Additional Assumption: Time Horizon = 20 years (60yo-40 yo) Given the above scenario, VTSAX is better. Here's why: 1. Due to the long-term nature of the investment, the initial cost of wiring the money to the US is almost negligible to the potential long-term return of the US stock market. 2. You hedge against the PESO which is weaker than the USD. 3. Its undeniable that the upside potential of the stock market is better than MP2 which is concentrated on real estate. 4. Its undeniable that the US market is stronger, more stable ay way much better than the Philippines. Hope this makes sense. Caveat: I don't want to sound unpatriotic here. That's not the intent.
@@ofwpower Thank you. I hope wherever we decided to retire, usa or Philippines, we are fully funded. It’s videos like yours that help people research more on retirement and what to do about it. Philippines has a lot more to offer now in regards to investing for retirement i.e. mp2, PERA, stocks, and maybe more index funds in the future. The government is doing its best to offer help to its people, and we the Filipino people are looking for ways to better ourselves. And your channel certainly has and will help a lot.
mag open lang po kayo ng account sa pera.seedbox.ph. sundan po ang aming mga videos about sa PERA na nasa ibaba. PERA ua-cam.com/play/PLF1GV5jdAKwle6gBLsk5w-L8ePIKjRZIW.html
Ask ko lang po, since parang gumagalaw bilang insurance ang PERA at since pwede po itong makuha o mailipat sa beneficiaries, yung PERA po ba is nag gagrant din po ng benefit sa holder tulad ng LOANS? Salamat po.
Pwede rin hindi muna withdrawhin you have additional 2 years para tutubo pa rin ang MP2 mo ng dividends (medyo mas mababa lang ng approx 0.5% sa regular MP2 dividend rate). Kung di pa rin ma withdraw, hindi na tutubo ang MP2 beyond 7 years. Panoorin ang videos natin sa ibaba for more information. Good luck. PAGIBIG MP2 ua-cam.com/play/PLF1GV5jdAKwlm3PARk1Fp8vHiYRPE1ahV.html
Sir tanung q lng po,totoo po ba na ang pwd lng kumuha ng investment ay ang kapatd na single? Ganito po kac un tulad q wala n po aqng parets kya po ang beneficiary q ay mga kapatd q paano po iyon eh lht n po sila married.?
For MP2, yes, mga kapatid mo ay kasama sa mga legal heirs - married or single. Ngunit sa PERA, pera po kayong mag designate ng beneficiary. You can consult a lawyer to answer your specific circumstance. Good luck.
Minimum po ay depende sa klase po ng investment. May P500 at may P1,000 din po. Anytime pwede naman po itong dagdagan po. All the best and good luck po.
Bossing paano kung mag umpisa palang sa virtual kasi di ko naituloy pero mayron na po akong MID num. Tapos gusto ko mag invest sa mp2 ,ilang years ako maghintay? Salamat po.😇
@@ofwpower hello Po, normal Lang Po ba na yung gmail ko nag auto capital letters lahat instead na small letters,? At saka ho noong time na nag submit ako di sya na verify..? Ganoon po ba pag di pa active ang account ? Pasinsya po sana hindi po ako nakaabala.. Salamat po 😇☺️
Sir, ung 1 year ba is ung kung anong month ka ngstart dun ung start din ng counting ng per year mo?ex. Ung sa kin ngstart ako ng oct so ung 1yr ko sa oct ng 2021?tama ba?
Thats a good question, I believe every end of the year ang credit ng dividend, base dun sa nakita kong record ng account ko. I started July 2019 with 10k then got a dividend of P421.75. I far as I understand, may computation sila base dun sa kung anong buwan ka nagstart/naghulog. So basically 10421.75 na ung pera ko at the beginning of 2020. Tapos depende pa kung anong buwan ka naghulog ulit.
Pwede po kayong mag open ng Virtual PagIBIG. Sundan lang po ang video natin sa ibaba. - [ ] How to Open your Virtual Pag-IBIG Online Portal - ua-cam.com/video/jQKWjvgD5Cw/v-deo.html
Punta po muna kayo ng BIR para kumuha ng TIN. Kung may work na po kayo sa kasalukuyan, tanungin po ninyo ang HR po ninyo sa inyong TIN. Alam din po nila ang TIN po ninyo.
Good day sir fermin.. Just want to confirm po regarding Pera.. As far as I know po ung sa equity funds lang po nag nenegative ang capital but sa bond at market fund capital po is remain intact.. Mali po ba?
Ser, thanks for sharing, i am now 50 years old, what would u advised?, can i withdraw at PERA until i am 60 years? In case? Or is it just until 55 yo only?
Hello sir,makukuhako ba ung Ininvest ko na pera na buo upon maturity period pwera ung interest ,like nagbigay ako 30k buo un na makukuha ko pwera ung interest
Hi sir? Pwede pa bang hulugan yong balance ko na 4 months sa mp2 next year 2021? May 4 months pa kasi ako na di nahuhulugan, september to december 2020, medyo ngamit ko kasi pera kaya di ko nahulugan, salamat sir.
Hi Jimmy, sa pagkakaalam ko po ay tinatanggap po sa NGAYON (temporarily) ng PAgIBIG (pati ang SSS) ang mga previous months payments or contributions. This is due to the COVID situation. Good luck po.
good day sir.ask ko lang kung may existing loan na matagal nang hind nabayaran.at 22yrs ng member sa pag ibig ay anu po ang mangyari sa contribution at sa status ng member.thanks
You need to reactivate your P1 muna. To reactive your P1 account, huhulugan lang po ninyo uli ito. May iba po kaming alam na 1 month lang po pinapahulog ng PagIBIG para ma reactivate po ang kanilang inactive P1 membership. Kaya its good to consult directly with pagIBIG para malaman how many months they have to pay to reactivate their P1 account. Good luck and all the best.
Hello po itatanung ko lang yung sa pera account ko sa Seedbox off ako pero 100k lang yung lumabas sa portal ko na allowed i contribute in a year na submit ko na ren yung mga hinihingi nila proof of income pero hinde naman na sila ng re reply, pwede ko na kaya gawin 200k para this year bago matapos ang 2020 na meet ko po yung maximum contribution as of, salamat
Opo pareho po tayo. I think it will take sometime po para ma verify po nila amg ating account. Lets follow up. Sabay po tayo followup. Nag 1 month na rin po yung sa akin po.
Hello sir! Is it possible for a student (18y/o and above) to become a member of PAG-IBIG and to make an MP2 account? And is it advisable? I hope you a make video for this. Thank you & more power!
Pwede po kayong maging voluntary member sa PagIBIG if you are 18yo pataas. Then you can open your MP2 immediately. MP2 is voluntary kaya no need hulugan monthly.
Your Vlogs are VERY, Very CLEAR at easy to understand. Walang mga gimmick sa presentation. Walang "yabang" sa presentation di gaya ng karamihang UA-cam "performances" na over-confident, which is a turn off . May TIME STAMP pa! IKAW NA ANG "LEAH SALONGA" ng Pinoy UA-cam Vlog :) Keep the consistency and momentum.
Wow, i really appreciate your positive feedback Ricky. It really means a lot to me. Noted on your suggestions. Thank you very much. All the best and good luck po.
agree 101 %
@@edreyes4861 thanks a lot Ed. good luck.
Mga gurang talaga na tulad mo mabilis mayabangan sa tao. Baguhin mo ugali mo. Videos are fun to watch lalo na kung entertaining yung presentor.
@@alphabravo9999 Hi Jerome i appreciate you leaving comments. But please help to promote positive / constructive criticisms. Maraming salamat po sa inyong pang unawa. Happy new year po sa inyo.
Not so complete but this guy is a very good speaker. His voice is pleasant to hear, he goes straight to his presentation and he explains very well his point. The best. Hope he'll have million of subscribers.
Thank you for your kind words.
Wala akong masabi kungdi,NAPAKAGALING..
@@martinagabriellereyes8893 Thanka a lot po. Appreciate your kind words po.
Thank you for being unselfish on providing the time stamp for each topic!
God bless you, sir Fermin!
Its my pleasure po. Welcome Rhalph and Good luck.👍
Naintindihan ng mga Tagalog-speaking people. Mabuhay kayo Sir Fermin!
Your speaking voice & phase is very comfortable to listen to and you explain the points very well. Unlike the others who speak hurriedly, it’s so stressful for me 😂
Thanks a lot po for your kind words. All the best and good luck.
I am considering PERA..thanks for this video Fermin.
now alam ko na panu gumagana ang mp2 salamat sa information sir God bless..
Welcome po and good luck.👍
You just earned a new subs. Thank you for putting all of these. Well presented.
Welcome po and good luck. Good to know you benefited on the information presented here.
Very understandable ang medium of communication ninyo Sir Fermin.
Very informative po.
Maraming salamat po sa mga guidance.. Just recently nag start napo ako this month march 2021 ng MP2 for 10k monthly po papasok ko po palagi. Maraming salamat po. Godbless po sir.
All the best and good luck po!
@@ofwpower thank you so much po sir. Godbless you po
@@sailhighpinas3592 Welcome po and good luck.
Talagang mabagal at malumanay magsalita na tunay namang nakatulong para maipaliwanag nang maayos ang iyong presentasyon mas madaling maunawaan. PADAYON!!
Salamat po.
Maraming Salamat sa mabilis mong sagot! Nakapa informative ng mga videos mo at nakakaencourage mag invest!😊
Thank you po Maria. All the best and good luck po.
Congrats. You have a nice presentation. Clear and concise.
thank you po ang good luck.
You are such a good teacher i should say..galing nyo po mag explain..keep it up.thanks.
Thanks Annaliza. I really appreciate your kind words. Good luck po and all the best!
@@ofwpower kabayan tanong ko lang sna,kasi maturity na nang mp2 ko sa 2022,ang kaso unti lang nahulog ko dun...kya tnong ko po..pwede ko ba hndi widrahin ang pera na nahulog ko sa mp2 ko sa darating na 2022 ,at ituloy ko another 5yrs.same mp2 account?
@@ofwpower slamat sir
@@gregionborbor6661 welcome po and good luck.
@@gregionborbor6661 Yes, pwedeng pwede po para tuloy tuloy po ang kita. Good luck po.
Such a calming voice. Thank you Sir for all the insights that you have shared with us. 🥰
Thank you po Mimi. I appreciate your kind words po.
Thank you so much Sir!! more power! 30 and dealing with so much investment options but now my mind is clear on this.
Good to know that po. Good luck.
Thank you for this video sir. I've been in a dilemma in choosing the right retirement investing program. This is really helpful!
Welcome po, good luck and all the best.
@@ofwpower sir
@@ofwpower sir maeexpired po ba yung mp2 account after 5yrs.?magfifillup paba ulit o dina po
@@ameliabeltran29 after 5 years, you need to withdraw your MP2. If you want to continue earning dividends, just open a new MP2 account. good luck po.
Galing tlga kuya buti nakita ko channel mo nung nag open ako mp2 ko sayo kong natu2nan kung paano ba tong mp2 ! Good job well done! 👏👏👏Keep it up! #power
Thanks a lot Jhen. Congratulations din po sa inyo. Good luck!👍
Super clear ang comparison.. good job sir! Thank you
Welcome po Joel. Thank you for your feedback.
Thx po sir fermin 4 very informational video...God bless always po and more power. Ofw from Kuwait..BTW I started mp2 last Feb. 2022.
thanks for the clear explanation, i've been investing for both programs.
Great! Good luck po and all the best!
@@ofwpower good day po sir May tanong lang po ako sa PAG IBIG /MP2 pwd po ba mag loan about sa business use ?
@@Gyoyo8 no you cannot. PAGIBIG loans are only for housing.
Maayos ang pagkaka paliwanag mo sir. Thanks
Thank you po and good luck po.
I am quite unhappy with the management fees of PERA and the very small choice of funds available.
PERA is still in its infancy, as more banks get accredited and the longer it exists, and more people know about it, it'll eventually and inevitably become a good choice of retirement investment.
I love your video sir. Very informative. Ang dami ko pong natutunan. Thank you sir!
Good to hear that. Welcome po at good luck po sa inyo.
Thanks a lot for giving us knowledge about investing 👍👍👍
Welcome po amd good luck!👍
Nasagot na dito ang tanong ko sir about pera thanks more power sir
All the best po.
I still like mp2. Kasi after 5yrs you can get your money back. Unlike pera 55yrs old what if you start at late 40s ? Sir thank you so much for giving us knowledge .
Welcome po. All the best and good luck po.
galing. napala linaw. salamat coach. try ko sa MP2
Great content creator 👍🙏very helpful and comprehensive 👍🙏
Very clear kang mag explain
45 na ako, pero sa mp2 na lng ako sir 😊😊, anyway thank u po for sharing. God bless
Sure, no worries po. Good luck po sa inyo and all the best.
Ang galing mag explain.. kudos Sir
Thank you po and good luck.
Wow thank u sa Pag share sir
welcome po and good luck.
Awesome video. Thanks for sharing!
Thank you po.
Wow.
Thank you po talaga sa video na to. Thank you thank you. 😊
Welcome po Girlie and good luck.👍
thank you sa laging clear ang paliwanag mo sir fermin😊God bless
Welcome po Rosalinda. All the best and good luck.
Thx s info bro more power s channel mo
all the best and good luck.
SHARE lang po from MP2 account holder, you can online po via gcash for GLOBE/TM numbers. Thanks po
Thanks Evangeline for sharing. Good luck po.
Thank you po buti nalang nasabi nyo pag 50 plus na mas ok Pag ibig mp2 nalang ako thank you po
All the best and good luck po.
Paano po mag open ng savings account sa mp2 online nandito po ako sa malaysia at 6 years na po ako dito nung pumunta po ako dito 2016 siningil po ako ng agency para sa pagibig memmbership pero diko po alam kung ibinayad po talaga
parequest naman po ng topic... on how to prepare for your retirement salamat po
Noted po Kathleen.
ok sana investment ung wisp ng sss kaya lng hold ng mga hindi gusto mintindi.gusto ko pa naman mglagay sa account ng 3 kong anak
Wow! Thanks for informing us :)
All the best po and good luck.
and what if po sir,,hindi pa umaabot ang 5years,e na dsgrasya ung nag invest ,namatay,,so pano po un,,my mga nakasaad po ba doon na if ever familly ang kukuha,.
Hindi na hihintayin ang 5 years, automatic ang iyong legal heirs ang makkkuha ng lahat ng iyong savings P1 at MP2 batay sa batas.
Salamat po sa mga informative videos nyo.god bless sir.
Thanks Evie. All the best and good luck po.
Sir,nasad ako dahil nalaman ko na yong,maximum na 2,400 na binayad for jan to dec,ay di pumasok sa flexi account ko,ang paliwanag niya dko daw sinobrahan ang hulog,kasi pala ang 2,400 ilalagay sa ordenary at yong sobra daw yon ang ilalagay sa flexi account,ang masakit dna ako pwedeng maghulog dahil binayaran ko ang buong taon ng 2020.dko na ba pwedeng hulogan ang flexi di daw pwedeng maghulog ng para sa flexi lang.
sorry to hear that po.
Very clear sir👍
Madame po akong natutunan God bless 😍
all the best po ang good luck.
Clear comparison of the two 👏👏 Sir Fermin 😀. Ask ko po if you have PERA, does it have an advantage with the tax that you pay as an employee?
Yes, PERA has tax advantages. You can check our videos below po.
- [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - ua-cam.com/video/jCU0D2g_Meo/v-deo.html
- [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ua-cam.com/video/Aea89drtO3c/v-deo.html
- [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ua-cam.com/video/Kd-KXkvdZwA/v-deo.html
very informative!
Hi Sir..maraming salamat sa napakagaling ninyong presentation..kagaya ninyo nsa abroad din ako pero walang PAG IBIG office d2 sa Philippine Embassy sa LONDON..nag register ako as a PAG IBIG member years ago pero hindi ako nkapag contribute kahit minsan..pwede ba akong mka invest sa MP2? at kung pwede paano ang processing para naging qualified for investment?..
Maraming Salamat..God bless 🙏
Thank you Sir for this video
Most welcome
ang galing. na gets ko nanaman lol Sir, question naman. oarang napanod ko kay Sir Marvin Germo na ang PERA ay 1 year lock-in lang? Pero as you mentioned here, 5 yrs and both pera and mp2. Ano pa ba ang tama?
PERA - locked in 55 years old and minimum 5 years contribution (55/5 rule)
MP2 - locked in 5 years
super nice po! thank you!
Dito ako ngayom sa Pinas pero pabalik napo ako abroad....pwedi po ba sa Pag ibig office ako mag open nang akin mp2
opo pwedeng pwede po para mahulugan na po ninyo kaagad.
@@ofwpower daghan salamat sir
@@mylenemansing6276 welcome po.
50years na ako noon 7 Nov..tanong ko Sana sayo Kung ok pa ako para nag invest SA Pera...Meron na ako MP2
Hi Edwin, with your age okay lang naman po. Depende po sa kung kelan nio po kailangan ang inyong pera. Just make sure na yung funds are aligned with your objective and risk appetite.
gusto ko po sana mag open ng P.E.R.A,, kaso wala po akong t.i.n number hindi namn ako makakuwa kasi nandito ako sa abroad,, ano po ba ang magnadang gawin,,
Please ask someone to go to BIR office baka pwede po ninyong ipakisuyo na kuhanan po kayo ng TIN sa BIR. good luck po.
Hello po sir dami ko natutunan k panood sainyo lalo na sa mp2 God bless 😊
Hi Paula. Thank you for your kind words. I appreciate it. Good luck po sa inyo.
@@ofwpower Hi po sir. Can you open multiple accounts po sa PERA. Thanks po. God bless..
@@janveraevangelio8168 yes you can open multiple accounts but only 1 administrator. Good luck.
@@ofwpower Thank you so much Sir. I learned a lot from you po. God bless.
Welcome po and good luck.
Pwede po bang maginvest sa PERA, kung my maliit na tindahan lang? My permit po kami pero wala pong binigay na BIR
Very well said thanks sir
Thank you Tam. All the hest and good luck.👍
hello sir what if po meron akong 3 na finill out na form tapos 1 lg yung sinubmit ko sa Pag-ibig office. Hindi po ba madededuct yung other 2 nafinill out ko? pero di ko naman ipinasa sa pag ibig yung other 2 forms
hindi na po kailngang ipasa ang form. wala pong deduction pong mangyayari.
@@ofwpower gusto ko lg pong iclear. nakalagay po sa steps ng Pag-ibig website na dadalhin ang form sa nearest branch?
@@ofwpower kahit po salary deduction yung pinili ko?
@@lovemice4660 theres no need po.
@@lovemice4660 hindi ma deduct kung hindi nio ipapasa sa HR ang form.
Bago po subscriber. Parang gusto sila sabay pede po ba un umpisa s amaliit n apuhunan!?
Very informative po ito lalo na sa gaya q ofw. May tanung po ako kc nung March 5 2020 nag open ako MP2 naghulog po ako sa Pagibig office kc umuwi ako pinas eh ngayon po gst q malaman kng kelan uli ako dapat mghulog sa March 5, 2021 or March 6 2021 o April2021? Salamat po.
Nasa sa inyo po. Kahit araw araw kayo maghulog sa MP2 pwede po. Wala pong requirement kung kelan dapat maghuhulog sa MP2. Bastat tandaan lang, the more malaki hinulog nio sa MP2, the earlier nio itong hinulog, the bigger the dividends.
One time lng po b ang 100 thousand na ideposit at need po bang yearly until 55 y/o..
Hypothetical question 🙋♂️:
Fil-Am living in the USA, also has money in pesos in the Philippines.
If you have to choose investing 10million pesos in MP2 or wire it to USA to invest in VTSAX, which would you choose?
40 y.o. Married, working ‘till 60y.o.
Has emergency funds, paid off house, will receive pension, no major expenses.
Will use either MP2 or VTSAX in retirement.
Thank you.
Additional Assumption:
Time Horizon = 20 years (60yo-40 yo)
Given the above scenario, VTSAX is better. Here's why:
1. Due to the long-term nature of the investment, the initial cost of wiring the money to the US is almost negligible to the potential long-term return of the US stock market.
2. You hedge against the PESO which is weaker than the USD.
3. Its undeniable that the upside potential of the stock market is better than MP2 which is concentrated on real estate.
4. Its undeniable that the US market is stronger, more stable ay way much better than the Philippines.
Hope this makes sense.
Caveat: I don't want to sound unpatriotic here. That's not the intent.
@@ofwpower Thank you. I hope wherever we decided to retire, usa or Philippines, we are fully funded.
It’s videos like yours that help people research more on retirement and what to do about it.
Philippines has a lot more to offer now in regards to investing for retirement i.e. mp2, PERA, stocks, and maybe more index funds in the future.
The government is doing its best to offer help to its people, and we the Filipino people are looking for ways to better ourselves.
And your channel certainly has and will help a lot.
@@bojiam4818 Thanks Boj. Good luck and all the best.
Napakalinaw 👏👏👏👍
Paki explain din po ng Greek mythology haha joke Lang.
ok po gawan ko ng video samahan ko na rin ang History of the Roman Empire....LOL! joke lang!
Bless morning po sir .ppano po mag invest sa pera ofw po ako sa cyprus
mag open lang po kayo ng account sa pera.seedbox.ph. sundan po ang aming mga videos about sa PERA na nasa ibaba.
PERA
ua-cam.com/play/PLF1GV5jdAKwle6gBLsk5w-L8ePIKjRZIW.html
Ang PERA ba sir katulad din ng MP2 na hindi mandatory ang paghulog monthly o kailangan obligado ka maghulog ng pera monthly, tnx po
Kung mag sstart po ako sa pera ngaun 45YEARS OLD qualified pa po ba ako
Opo pwedeng pwede pa po. Good luck po.
Thank you bro...
Anong mp2 sir
I chose to take in MP2 its good and safe
All the best po and good luck!
Ask ko lang po, since parang gumagalaw bilang insurance ang PERA at since pwede po itong makuha o mailipat sa beneficiaries, yung PERA po ba is nag gagrant din po ng benefit sa holder tulad ng LOANS? Salamat po.
Sir paano pag ofw...paano ang paraan SA paghulog SA mp2..anu e address namin..
How to apply n PERA po? May mp2 napo
Kadi ako
Sir fermin ask ko lng po pag natapos n Yun 5year ko e ayaw ko p kunin Yun Pera OK lng po b.
Pwede rin hindi muna withdrawhin you have additional 2 years para tutubo pa rin ang MP2 mo ng dividends (medyo mas mababa lang ng approx 0.5% sa regular MP2 dividend rate). Kung di pa rin ma withdraw, hindi na tutubo ang MP2 beyond 7 years. Panoorin ang videos natin sa ibaba for more information. Good luck.
PAGIBIG MP2
ua-cam.com/play/PLF1GV5jdAKwlm3PARk1Fp8vHiYRPE1ahV.html
I really like the way you explain your topics. I have few questions and I am wondering if I can contact you personally? I am an OFW. Thank you.
Please email me po at
fermin.valdon@gmail.com
Sir tanung q lng po,totoo po ba na ang pwd lng kumuha ng investment ay ang kapatd na single?
Ganito po kac un tulad q wala n po aqng parets kya po ang beneficiary q ay mga kapatd q paano po iyon eh lht n po sila married.?
For MP2, yes, mga kapatid mo ay kasama sa mga legal heirs - married or single. Ngunit sa PERA, pera po kayong mag designate ng beneficiary. You can consult a lawyer to answer your specific circumstance. Good luck.
@ofwpower magkano po ang minimum contribution sa PERA kasi hindi ko kaya ang maximum na 100k. salamat po
Minimum po ay depende sa klase po ng investment. May P500 at may P1,000 din po. Anytime pwede naman po itong dagdagan po. All the best and good luck po.
Bossing paano kung mag umpisa palang sa virtual kasi di ko naituloy pero mayron na po akong MID num. Tapos gusto ko mag invest sa mp2 ,ilang years ako maghintay? Salamat po.😇
pwede na po agad pong mag open ng MP2 po bastat active pagibig member po kayo. good luck po.
@@ofwpower hello Po, normal Lang Po ba na yung gmail ko nag auto capital letters lahat instead na small letters,? At saka ho noong time na nag submit ako di sya na verify..? Ganoon po ba pag di pa active ang account ? Pasinsya po sana hindi po ako nakaabala.. Salamat po 😇☺️
@@Amethyst.18 ok lang po yun kasi ang email address ay hindi sensitive kung capital or small letters.
Saan po pede mg invest ng pera
Ask ko lang po kung pwedeng mag open ng joint account sa MP2 program? Thanks in advance.
No po. Individual MP2 accounts only for individual members.
2 mos.pa lang akong nginvest sa mp2 chinek ko ung contribution ko.hindi pala nakalagay dun dividend nya every month.every year kaya?
Yearly po ma ko credit ang dividends. Malalaman po natin magkano amg tutubuin niyang mga honulog nio today by next year po.
Sir, ung 1 year ba is ung kung anong month ka ngstart dun ung start din ng counting ng per year mo?ex. Ung sa kin ngstart ako ng oct so ung 1yr ko sa oct ng 2021?tama ba?
Thats a good question, I believe every end of the year ang credit ng dividend, base dun sa nakita kong record ng account ko. I started July 2019 with 10k then got a dividend of P421.75. I far as I understand, may computation sila base dun sa kung anong buwan ka nagstart/naghulog. So basically 10421.75 na ung pera ko at the beginning of 2020. Tapos depende pa kung anong buwan ka naghulog ulit.
Ask ko lang, how much is the current interest rate they offering this month?
interest rate for current year (there's not monthly interest) is only announced around february - may next year.
ano po ba ang mkuhang benifit sa pag ibig mp2?
Thanks Patrick!
Sir firmin tanong lang po paano ko malalaman o maupdate yong mga hulog ko sa mp2 dito po kc ako naghuhulog sa qatar ofw po? Salamat po.
Pwede po kayong mag open ng Virtual PagIBIG. Sundan lang po ang video natin sa ibaba.
- [ ] How to Open your Virtual Pag-IBIG Online Portal - ua-cam.com/video/jQKWjvgD5Cw/v-deo.html
need po ba monthly huluga ang mp1 account para always active ang mp2...
Yes po, tama po.
Hello sir Fermin san kami po kaya pwede Mag open ng MP2 account. Thanks po
Pano po mag open ng PERA,, saan po makakakuwa ng tax identification umber
Punta po muna kayo ng BIR para kumuha ng TIN. Kung may work na po kayo sa kasalukuyan, tanungin po ninyo ang HR po ninyo sa inyong TIN. Alam din po nila ang TIN po ninyo.
@@ofwpower sir.may tax number po ako since 2017 issued ftom BIR ng magprocess ako ng titulo..pwede po ba yun valid papo ba yun?
@@lizacruz3319 Opo tama po. Iisa lang po ang inyong TIN. Please contact the administrator kapag nag open na po kayo. Good luck.
Good day sir fermin.. Just want to confirm po regarding Pera.. As far as I know po ung sa equity funds lang po nag nenegative ang capital but sa bond at market fund capital po is remain intact.. Mali po ba?
Tama po - most of time. But historically bond can go negative but very rarely po.
58 yrs old na po ako, gusto ko sana mag invest sa MP2, kaso hindi ako member ng Pag Ibig, pwede pa ba maging member at my age?
I believe yes, but please verify with PagIBIG directly po.
Ser, thanks for sharing, i am now 50 years old, what would u advised?, can i withdraw at PERA until i am 60 years? In case? Or is it just until 55 yo only?
Minimum 55yo so you can withdraw. Pede kahit anong edad above 55yo.
@@ofwpower Thank you po!
@@sevenangels9723 welcome po.
Hello sir,makukuhako ba ung Ininvest ko na pera na buo upon maturity period pwera ung interest ,like nagbigay ako 30k buo un na makukuha ko pwera ung interest
Hi sir? Pwede pa bang hulugan yong balance ko na 4 months sa mp2 next year 2021? May 4 months pa kasi ako na di nahuhulugan, september to december 2020, medyo ngamit ko kasi pera kaya di ko nahulugan, salamat sir.
Hi Jimmy, sa pagkakaalam ko po ay tinatanggap po sa NGAYON (temporarily) ng PAgIBIG (pati ang SSS) ang mga previous months payments or contributions. This is due to the COVID situation. Good luck po.
Hi, Sir thanks to this... If you could rmmbr isa po ko sa nag ask last time dun sa upload nyo ng vid about PERA... And today mas nalinawan na po ako.
Great! Mabuti naman po at naliwanagan na po kayo. Good luck.👍
Tama po alam ntin kung saan nila nilalagay pera hnd ktulad s mga investment n walng ksiguruhan at least kaht konti tubo mkukuha mo .
good day sir.ask ko lang kung may existing loan na matagal nang hind nabayaran.at 22yrs ng member sa pag ibig ay anu po ang mangyari sa contribution at sa status ng member.thanks
Sir pwd po ba ako magopen ng mp2 kahit hindi ko na kahuhulugan ang pm1 ko? Dati po kc ako ofw pero ngayon hindi na. Thanks po
You need to reactivate your P1 muna. To reactive your P1 account, huhulugan lang po ninyo uli ito. May iba po kaming alam na 1 month lang po pinapahulog ng PagIBIG para ma reactivate po ang kanilang inactive P1 membership. Kaya its good to consult directly with pagIBIG para malaman how many months they have to pay to reactivate their P1 account. Good luck and all the best.
Hello po itatanung ko lang yung sa pera account ko sa Seedbox off ako pero 100k lang yung lumabas sa portal ko na allowed i contribute in a year na submit ko na ren yung mga hinihingi nila proof of income pero hinde naman na sila ng re reply, pwede ko na kaya gawin 200k para this year bago matapos ang 2020 na meet ko po yung maximum contribution as of, salamat
Opo pareho po tayo. I think it will take sometime po para ma verify po nila amg ating account. Lets follow up. Sabay po tayo followup. Nag 1 month na rin po yung sa akin po.
@@ofwpower ok po sir, salamat sa reply, mg send ulet ako ng email 👍
Hi po sir, pano po yn sir wla po aqung pag ibig hnd po aq nag myembro pero andto po aq sa abroad, ngaun pwd po ba maging myembro NG MP2?,,,...
try being a pagibig member online.
@@ofwpower OK po sir
@@juliesebio6628 good luck.
hi sir! what if i get married abroad and my citizenship changes, will there be problems with my PERA account?
you need to contact your administrator to update your change of status and they can advise you appropriately.
Hello sir! Is it possible for a student (18y/o and above) to become a member of PAG-IBIG and to make an MP2 account? And is it advisable? I hope you a make video for this. Thank you & more power!
Pwede po kayong maging voluntary member sa PagIBIG if you are 18yo pataas. Then you can open your MP2 immediately. MP2 is voluntary kaya no need hulugan monthly.