Hi sir actually ngayong year ko na balak ulit sana mag ipon at ang tagal ko iniisip na paano makaipon na hindi ako maaattempt withdrawhin para masecured ko lang yung future ko. Thank you Lord at sayo din po sir na napadaan po mga videos mo sa youtube ko at halos pinanood ko na po yung mga content mo regards sa MP2 kaya halos lahat po ng tanong ko sa MP2 ay hindi ko na kailangan pang itanong direkta sa Pag Ibig dahil nasagot nyo na po lahat. Thank you so much sir sa pagmulat sa mga kapwa ko pinoy sa kahalagahan ng pag iipon. Makakaasa po kayo na ikakalat natin itong magandang balita sa iba at mairecommend po mga videos mo po para mas maintindihan din nila. God bless po sir!
Wow, thank you very much JC. Natutuwa ako at nakatulong po kami sa inyo. And also, I really appreciate your kind words. Just let me know kung may mga tanong pa po kayo at kung paano kami makatulong. Ingat po kayong palagi ang good luck po.
Salamat po sir mas lalo ko po maunawaan sir ang paliwanag mo sir by the grace of God mag investment Napo ako paguwi ko sir para SA future po maraming salamat po uli God bless u sir ang galing nyo po magpaliwanag kuhang kuha ko po sir
@@ofwpower Hi sir, ask ko lang po pano po kung member ng pag ibig pero hindi naging active for a year now?Can I apply for MP2 agad po? or if not, pwede pong sabay?
Do the math. Not enough for your retirement. It is only good if you have a big amount of money today then leave it for 20 years without touching. Surely, it will compound. Mp2 is primarily for wealth protection only. But for wealth accumulation, I do not think so.
Tama po Elma, PagIBIG will not explain this to you po as far as MP2 is concerned. It takes effort to research MP2 para maintindihan po talaga ang concept na ito. Good luck po and God bless. Ingat po kayo palagi.
Hi sir Fermin. I just want to say antok na antok nako now but I feel that I MUST TYPE THIS COMMENT BECAUSE U DESERVED IT. Sir first of all thank u. I can tell u are an amazing leader and the content of your channel is not just for likes but u have a genuine concern to help your co filipinos become financially literate. This is the first video I saw on your channel & I usually dont click sa mga 15 mins++ video kc usually clickbait lang and I am so glad I stayed!! You have answer all my questions! Love na kita sir! Hahhaha. I love that u are using excel kc hindi talaga ako magaling sa math. Amazing explanations para sa kagaya kong di magaling sa math naintindihan kita. Takeaway ko. If afford mo naman better mag lumpsum kana the earlier the better para mas lumaki yung interest. I wish there is a way to send u a tgank u note or a gift basket hahahha kc u really helped me on this. I am enlightened!! #lifechanging
Hi KPetrova. These types of comments are rare, so i would like to say thank you from the bottom of my heart. These types of comments give me the strength to go on with what I am currently doing- giving valuable content to all of you. Thank you very much.
Maraming salamat po madami akong natutunan. More power po at maraming salamat! Sir tama ba na ihulog na yung lump sum the soonest, mas magiging malaki po ba ang interest versus ihulog upon maturity?
Hello po someone recommended your videos sa Facebook at super informative po cia I'm also ofw here in SG at newbie sa MP2 pgpatuloy nio po sna gntong videos Salamat po at mabuhay po kau Happy ipon everyone🙏
Thank you Sir! It helps a lot! 3 years na akong naghuhulog sa Mp2, sayang po kasi mali yung strategy ng paghulog ko, advance lagi ng dalwang buwan yung paghulog ko. Dapat hindi ganun yung ginawa ko. Dapat pala hindi na hinahati yung paghuhulog, isahan nalang dapat para mas mataas yung tubo. Any way, I learned a lot on this video. Thank you po 👍
Sir fermin nice video po! Clarify ko lang po ung strategy ng paghuhulog. Ung May 2020 to July 2000. Dapat kung maghhulog ng 500 per month sa halip na monthly 500 ang gawin ko ay lahat na sa May 2020 = 1500. Pero for the next month po June 2020 magkano po ang dapat ko ihulog? Same dn po if pinili ko ung annual strategy which is 12,000/year, ano po ang dapat ilagay kong period covered. Ex: Jan 2021 to Dec 2021 tpos sa Jan 2021 ko lng ihuhulog tama po ba? How about for Feb 2021, March 2021 and so on? Hindi na po ako maghuhulog? Tama po ba? Pag ganon po hindi ako active member from Feb 2021 to Dec 2021 if sa Jan 2021 ko lng ihuhulog ung 12,000. Sana po maliwanagan ako. Thanks po ng marami
Good day Sir. Thanks for the "Power Info" in terms of strategy, unfortunately too late na sa akin yung ginawa kong contribution, (Period from: To Period to) base sa suggestion ninyo. Nag contribute na kasi ako in advance for 3 years (P2k/mo 'till Yr.2023) sa MP2 ko, kaya di ko for sure ma-maximize young dividends.Lesson learned, but anyway, Savings still a savings, better than no savings at all. More Power to your channel sir.
Sir, after mo makuha ang savings mo sa 2023, irollover mo ulit ung amount na yan, ilagay mo ulit sa MP2, para ka naring naglump sum nun sa January, then add ka ulit. Mas malaki ang interest. 😊
@@ellemishii14 Pag naclaim mo siya after 5 years, kung di mo naman need pa gamitin ung pera for another 5 years, magcreate po kayo another MP2 account then ilagay niyo po ulit ung nakuha niyo na amount. Bale compounding na po ang dating niyan kase ung principal mo plus ung kinita ay nilagay niyo po ulit as principal. 😊
Thank you so much Sir, malaking tulong po eto sa katulad at sa iba n rin na hindi pa alam ang mp2 investment, tomorrow magsisimula n rin ako mag mp2 sayang nga naman kapag sa bangko lang naka tengga ang pera, God Blessed po...
My parents put part of their long-term savings into MP2 and they chose the annual payout because they use that for their expenses for the year. So I think the annual vs after 5 years payout depends on what part of your life you are at. I know this may be obvious, but some older/retired OFWs may find this as a good strategy considering the somewhat high and stable rates and the safety of the investment money. If you are worried about being able to get the money when you have a health emergency or other emergency, Pag-IBIG allows you to cut the investment short and withdraw the money for a limited number of reasons and an illness where you need a lot of money is one of them. Aside from that, my parents have a separate contingency savings fund that is invested in places with no holding periods. However... given the pandemic this year... I'm not sure how low the rate will be this year. Any ideas?
hi po ako po annual payout din po pinili ko sa 3rd account ko sa mp2 savings, anu requirements nila to get the payout dividend po? pupunta mismo sa ofis ng pag ibig to claim the check po after 1 year? thanks hope you notice. God bless.
I appreciate your concise and easily understable vlogs re: MP2. I’m very much encourage. Although I have a question on how to claim my dividends after reaching 5 yr maturity. Can i also track my account/payouts online? Thank you sir for minding my inquiry.
Thank you so much sir Fermin. I really like the way you explain parang papa q na kalmado lang pro tagos talaga at klarong2x. I am wantching most of your videos and it really helps a lot. Please keep on making videos like this for the Filipinos to be financially literate. God bless po. 😊😊
Very impormative video specially for computation... At least wag mag expect nang mataas na return... Just for passive income better than time deposits... Stocks better if u want higher returns but very risky specially for beginners. Thank u sir.
paano po last year auguest hulog ako ng 500 tas today october 2020 hulog ako ng 1000 paano po un pag kinuwenta d ko po alam kaya po ako nag mp2 kc po wla ako sss
Thank you sa malinaw na explanations,,,ganun pala tumubo yung pera mo sa mp2,,tpos dun sa from and to naguluhan din ako dun mali pala yung ginawa ko at least now alam ko na 👍🏼👍🏼👍🏼👍🏼👍🏼🙂🙂🙂
Hi po! Thanks for this very informative discussion. For annual contribution po ba, ano dapat select na From and To, same pa rin po? For example: Jan 2020 to Jan 2020 lang rin po? Thank you!
@@ofwpowerpaano po if ang naset sa mp2 acct during creation is monthly payment, pero it turns out kaya ko pong magbayad annually or on lump sum. Pwede ko po bang i-annual or lump ang payment ko (yung to and from period sa isang same month and year)? Hindi po ba ako sisingilin ng pagibig dahil hindi nakaspread out ung payment ko ng monthly?
Hello po new subscribe here buti nkita q tong video nto 😅 kc nalilito aq jan sa from at to.. Hehe pano po qng monthly aq mqghulog tama po b ung ganto kc gcash aq nqghuhulog po may petsa din dun.. APRIL 01 2023 -- TO APRIL 31 2023 TAMA PO B UNG GNYAN FORMAT AT PETSA THANKS PO SANA MAPANSIN 🙏
Thank you po for clear explanation! automatic nag subscribe ako! kuddos! but one question lang po, ung sa One-time lump sum po example nag hulog po ako ng 50,000pesos tapos nagkaron pa ako ng extra money na gusto ko din sana ihulog, pwede pa din po ba yun idagdag? or kailangan ko na mag open ng isa pang MP2 account? salamat po in advance and God Bless!
Pwedeng pwede pong dagdagan gaya po ng nasabi po namin sa video sa ibaba. Please watch po for more information. Good luck po. Mga Dapat Tandaan kapag Nag-iipon sa MP2: ua-cam.com/video/lAz32JGk9Ek/v-deo.html
Sir naginvest po ako nung first year under lumpsum method ng 50k, then second year 40k, is it fine to do that? How will be the computation of the dividend?
Hi Sir! I just want to inquire if may difference ba if yung first contribution ko for the 1st month is 5k, then for the succeeding months is 1k, given that I will contribute monthly. Will there be a difference in the total accumulated amount? Thanks in advance!
Hi sir, just wanted to ask po if when does the cycle start for mp2? Is it from the day of your first contribution? And with regards to computation ng dividend, for example yung cycle ko starts every 1st of the month , pag ngcontribute ako ng 2k ng 10, 1k ng 15 at 2k ng 25, yung TCM po ba is 5k pa din regardless ng kung what day of the month ka na naghulog or depende pa din sa ADB ng cycle na yon? Thanks po sa pagsagot 😊☺️🙏🏻
I saved 5k per month and it's my 3rd year already, instead of continuing my contribution I already stopped and open a new account since for my first account I only have 2 years left until maturity for my contribution to gain interest while if I open a new account it will grow more since I will still have few years to compound the interest. Is this a strategic idea sir?
@@ofwpower Kailan makuKuha ng Buo o LumpSum ang Dividends sa Regular Pag ibig imbes na 200 pesos nagRequest ako ng 1 tawsan pesos a Month na Contribution
Hi Judy, yes, pwedeng pwede po. Sapagkat ang MP2 ay isang voluntary savings, kaya nasa sa iyo kung kelan ka maghuhulog at kahit magkano po, bastat huwag bumaba sa P500 per hulog. Good luck po sa inyo and God bless. Ingat po kayo palagi.
Hi sir, first of all, thank you for making this kind of content, mga de kalidad na video Everytime. Now, tanong ko lang po 1. Nung una po ako naghulog ng mp2 lump sum po Ang una ko, then medyo nakaluwag and ginanahan po ako magdagdag.. Tama po ba na na convert ako na irregular? Bale mula Nung unang hulog ko na lump sum, naghulog po ako ng regular until covid happened and 3 mos ko Hindi nahulugan. Sa ganitong scenario sir, sa anong categorya na po ba ako? Na invalidate na ba Yung pagiging lump sum ko kasi bigla ko dinagdagan? Salamat po.
Hi Beni thank you and I truly appreciate your kind words. To answer your question directly, hindi na po mag ma matter. Anytime pwede kayong magdagdag. Matter of fact hindi na po alam ng SSS kung regular, irregular, lump sum or annual ang inyong payments. Remember, MP2 is voluntary. All contributions earn dividends. Good luck po and God bless. Ingat po kayo palagi.
Salamat sir sa pagsagot. Another commendable act po from you. Continue helping us to have a better living by having investment and maximizing it. Sana po magkaroon ng content sa common struggles ng nagsisimula pa lang sa pagiipon, at pagiinvest at mga tamang mindset to overcome it. Salamat. More powers! God bless.
Hi@@beniflorence6259 . I truly appreciate your kind words. Thank you very much. I will note on your request po. Good luck po and God bless. Ingat po kayo palagi.
@@ofwpower Sir I am a new subscriber and nabasa ko Ito just now. You mean "hindi na malalaman Ng Pag-ibig"? Pls clarify po. Thank you so much. God bless.
@@edithresontoc425 tama po. Sa MP2, hindi na alam ng PagIBIG kung anong klaseng payment ang ginawa mo. Bastat hulog lang ng hulog lahat po ito ay tatangapin ng PagIBIG at kikita ng dividends base sa aming ipinaliwanag. Good luck po.
Maraming salamt po sa video sir...marami po akng natutunan...matagal ko ng pinabayaan ang pag ibig ko dhil akala ko wla ng kwenta...pero ngaung alm q na na pwde pla ako mg ipon d2 at tutubo pa ung pera ko na ingganyo ako...maraming slamat po sa kaalaman...
Good morning po sir maraming salamat po sa idea para po sa akin mas maganda po ang lump sum dahil mag aantay nalang po ako ng maturity ng perang inilagay ko at mas mataas ang kikitain ko... God bless po
Sa case ko, mas gagamitin ko yung annual payout then ilagay ko sa another mp2 account pagkapayout ko. For emergency purposes na every year pwede ko makuha yung pera kesa sa 5 year payout. Kung wala naman emergency in 5 years, every year ilalagay ko sa another mp2, so parang 5 year maturity payout na din.
Right after makuha ko ung total accumulated savings in 5 years sa monthly basis ay ilalagay ko sa lump sum while at the same time, continue na naman sa monthly para dual ung investments. Salamat po sa video
Thanks for this video kkaumpisa ko pa lng at ganun ginawa ko inispread ko sa months ung hulog ko buti nman at 2 months lang so next time alam ko na ang gagawin ko
Sir thank sa video na ito. nag member napo ako ng pag-ibig mp2 noon napanood ko yong iba mong videos. maraming salamat sir mas naintindihan kong pag-big map2. kaso lang nag annual imbes na 5 year. hehehe... pero salamat pa din sa video na ito sir. God bless po.
Sir,yung computation nyo po SA 7 % Lang naka base eh every year,iba-iba po percentage na nilalabas ni Pag Ibig. Kaya yung 5 years TAV compounding interest ay depende sa percentage na ilalabas ni Pag Ibig.
Thank you po sir naliwanagan na po aq tungkol sa tanong ko na yearly payout dividens 5 yrs payout nd rin pla yon maka apekto sa hulog ko at nd rin mawawala ang dividens ko yearly salamat po ng marami, more power po 🙏👍🏽❤️💪
Very informative and explained clearly ang bawat detalye. Marami pong salamat sir for this video. Plan ko napo mag start ng MP2 and now alam ko na po ang mas magandang gagawin. God bless po. 🩷❤️
Sir, OFW ako at nagkamali ako sa pag-open ng mp2 account ko. Nailagay ko na desired monthly na hulog ay 1K lng kc napapanuod ko ma mga video 500 lng nilalagay. May ipon ako na 100K na nilagay ko sa mp2, nang magbabayad nako ay 10K per month lang allowed kaya sinelect ko 10 months para mabuo 100K. Ayon sa video nyo ay di ideal na gnun na ispread kaso namali napo ako. Sa mga ofw po jan,ilagay nyo na siguro agad na desired contribution kung magkano gsto nyo ilumpsum if plan nyo lumpsum. 😊
Hi sir actually ngayong year ko na balak ulit sana mag ipon at ang tagal ko iniisip na paano makaipon na hindi ako maaattempt withdrawhin para masecured ko lang yung future ko. Thank you Lord at sayo din po sir na napadaan po mga videos mo sa youtube ko at halos pinanood ko na po yung mga content mo regards sa MP2 kaya halos lahat po ng tanong ko sa MP2 ay hindi ko na kailangan pang itanong direkta sa Pag Ibig dahil nasagot nyo na po lahat. Thank you so much sir sa pagmulat sa mga kapwa ko pinoy sa kahalagahan ng pag iipon. Makakaasa po kayo na ikakalat natin itong magandang balita sa iba at mairecommend po mga videos mo po para mas maintindihan din nila. God bless po sir!
Wow, thank you very much JC. Natutuwa ako at nakatulong po kami sa inyo. And also, I really appreciate your kind words. Just let me know kung may mga tanong pa po kayo at kung paano kami makatulong. Ingat po kayong palagi ang good luck po.
Salamat po sir mas lalo ko po maunawaan sir ang paliwanag mo sir by the grace of God mag investment Napo ako paguwi ko sir para SA future po maraming salamat po uli God bless u sir ang galing nyo po magpaliwanag kuhang kuha ko po sir
@@gemarlilleorcasalvacion-sa3231 all the best and good luck po.
@@ofwpower Hi sir, ask ko lang po pano po kung member ng pag ibig pero hindi naging active for a year now?Can I apply for MP2 agad po? or if not, pwede pong sabay?
@@ethelchua6197 Pwede pong sabay ang pag activate ng P1 at open ng MP2 at any PagIBIG branch/office. good luck.
Napakagaling ang youtuber na ito. He deserves a 1 million viewer
Thanks Janey. I appreciate your kind words.
Ito yung explanation na matagal ko ng hinahanap sa youtube. Salamat boss! Sharing this to my friends.
Good luck!👍
Lumalabas ang tago kong galing sa Math pag nakikinig ako sa inyo 😃 , ang linaw at systematic ng pag explain .
Wow, good to know that! Good luck po.
I already started putting minimum amount on my mp2 it helps kc iniisip k after 5 yrs my dudukutin ako...no need na umasa ako sa mga anak k.
Tama po. All the best po. Good luck!
Thanks po sa video ser
Do the math. Not enough for your retirement. It is only good if you have a big amount of money today then leave it for 20 years without touching. Surely, it will compound. Mp2 is primarily for wealth protection only. But for wealth accumulation, I do not think so.
pwde bah anak ko e apply？
No one explained this to us. So the lumpsum strategy is much better than the annual and monthly contri. Thank you Sir for the very clear explanation.
Tama po Elma, PagIBIG will not explain this to you po as far as MP2 is concerned. It takes effort to research MP2 para maintindihan po talaga ang concept na ito. Good luck po and God bless. Ingat po kayo palagi.
sir how if yung 60k after 5years pwde napo na maiwithdraw sir
Applicable din po ba yan sa annual payout? Salamat po.
You mean po ba ung lump sum one time payment 60k after that wait Kana after 5yrs?
@@ricadelossantos3555yes po
Just opened my MP2 account.. Now I got something to look forward for the next five years..
To be honest so far after watching pag ibig MP2 on how it works this by far the best
Thanks! Good to know that. Ingat po.
ako din, kaninang umaga desidido na ko mag UITF pero nung napanood ko tungkol sa MP2 at dalawa sa videos ni sir, parang gusto ko MP2 nalang
@@ericac6843 good luck.
Hi sir Fermin. I just want to say antok na antok nako now but I feel that I MUST TYPE THIS COMMENT BECAUSE U DESERVED IT. Sir first of all thank u. I can tell u are an amazing leader and the content of your channel is not just for likes but u have a genuine concern to help your co filipinos become financially literate. This is the first video I saw on your channel & I usually dont click sa mga 15 mins++ video kc usually clickbait lang and I am so glad I stayed!! You have answer all my questions! Love na kita sir! Hahhaha. I love that u are using excel kc hindi talaga ako magaling sa math. Amazing explanations para sa kagaya kong di magaling sa math naintindihan kita.
Takeaway ko. If afford mo naman better mag lumpsum kana the earlier the better para mas lumaki yung interest.
I wish there is a way to send u a tgank u note or a gift basket hahahha kc u really helped me on this.
I am enlightened!! #lifechanging
Hi KPetrova. These types of comments are rare, so i would like to say thank you from the bottom of my heart. These types of comments give me the strength to go on with what I am currently doing- giving valuable content to all of you. Thank you very much.
Maraming salamat po madami akong natutunan. More power po at maraming salamat!
Sir tama ba na ihulog na yung lump sum the soonest, mas magiging malaki po ba ang interest versus ihulog upon maturity?
Napaka informative po ng inyong content malaking bagay po s aming mga mag invest wait ko lng po m update ang info ko pra mka pg start n din po aq
wow! that's great. good to know na magsisimula na rin po kayo. all the best and good luck po.
Well done..i enjoyed watching and because of that you convince me then I applied it right away.
Wow great! Congratulations Jacquelyn. Good luck po sa inyo.
Simplified presentation. Good job!
Thank you Freddie. Good luck po and God bless. Ingat po kayo palagi.
Hello po someone recommended your videos sa Facebook at super informative po cia
I'm also ofw here in SG at newbie sa MP2 pgpatuloy nio po sna gntong videos
Salamat po at mabuhay po kau
Happy ipon everyone🙏
Wow, thanks a lot po Len. Good to know na may natututunan po kayo. All the best and good luck po.
Thank you Sir! It helps a lot! 3 years na akong naghuhulog sa Mp2, sayang po kasi mali yung strategy ng paghulog ko, advance lagi ng dalwang buwan yung paghulog ko. Dapat hindi ganun yung ginawa ko. Dapat pala hindi na hinahati yung paghuhulog, isahan nalang dapat para mas mataas yung tubo. Any way, I learned a lot on this video. Thank you po 👍
all the best and good luck.
Sir fermin nice video po! Clarify ko lang po ung strategy ng paghuhulog. Ung May 2020 to July 2000. Dapat kung maghhulog ng 500 per month sa halip na monthly 500 ang gawin ko ay lahat na sa May 2020 = 1500. Pero for the next month po June 2020 magkano po ang dapat ko ihulog? Same dn po if pinili ko ung annual strategy which is 12,000/year, ano po ang dapat ilagay kong period covered. Ex: Jan 2021 to Dec 2021 tpos sa Jan 2021 ko lng ihuhulog tama po ba? How about for Feb 2021, March 2021 and so on? Hindi na po ako maghuhulog? Tama po ba? Pag ganon po hindi ako active member from Feb 2021 to Dec 2021 if sa Jan 2021 ko lng ihuhulog ung 12,000. Sana po maliwanagan ako. Thanks po ng marami
@@ofwpower hi po sir
@@hanamichiakoto2013 how can i help?
I am learning a lot from you, Fermin. You have no idea how much you've triggered by curiosity when it comes to minding my own finances.
Wow, its good to know that po. Thank you for your kinds words. All the best and good luck po.
Mag kno poba mahuhulog s loob ng 5years diba po aabutin ng 60k po magkano poba kinita
Ang galing. I am already decided to invest also in MP2. Kaya nanuod ako ng additional videos i. UA-cam. Very empowering. Thanks.
Worth my time. Very informative channel.
Thank you very much Hannah for your kind words. I really appreciate it. Good luck po sa inyo and God bless. Ingat po kayo palagi.
@@ofwpower more videos po sir pls. Thnk you.
Oh definitely po @@hannahdelojo1701 . Please watch out po of our upcoming videos. Stay tuned! Ingat po kayo palagi.
Panu pla mgbyad sa mp2?ofw poh kc aq!
@@leizlnuto774 please watch our other videos for more info on this. Good luck po.
Good day Sir. Thanks for the "Power Info" in terms of strategy, unfortunately too late na sa akin yung ginawa kong contribution, (Period from: To Period to) base sa suggestion ninyo. Nag contribute na kasi ako in advance for 3 years (P2k/mo 'till Yr.2023) sa MP2 ko, kaya di ko for sure ma-maximize young dividends.Lesson learned, but anyway, Savings still a savings, better than no savings at all. More Power to your channel sir.
Oh yes, definitely. Savings is still savings.
Sir, after mo makuha ang savings mo sa 2023, irollover mo ulit ung amount na yan, ilagay mo ulit sa MP2, para ka naring naglump sum nun sa January, then add ka ulit. Mas malaki ang interest. 😊
@@rhomyldacanay6850 that is correct. tama po.
@@rhomyldacanay6850 panu mo rollover sir?
@@ellemishii14 Pag naclaim mo siya after 5 years, kung di mo naman need pa gamitin ung pera for another 5 years, magcreate po kayo another MP2 account then ilagay niyo po ulit ung nakuha niyo na amount. Bale compounding na po ang dating niyan kase ung principal mo plus ung kinita ay nilagay niyo po ulit as principal. 😊
Thank you so much Sir, malaking tulong po eto sa katulad at sa iba n rin na hindi pa alam ang mp2 investment, tomorrow magsisimula n rin ako mag mp2 sayang nga naman kapag sa bangko lang naka tengga ang pera, God Blessed po...
My parents put part of their long-term savings into MP2 and they chose the annual payout because they use that for their expenses for the year. So I think the annual vs after 5 years payout depends on what part of your life you are at. I know this may be obvious, but some older/retired OFWs may find this as a good strategy considering the somewhat high and stable rates and the safety of the investment money. If you are worried about being able to get the money when you have a health emergency or other emergency, Pag-IBIG allows you to cut the investment short and withdraw the money for a limited number of reasons and an illness where you need a lot of money is one of them. Aside from that, my parents have a separate contingency savings fund that is invested in places with no holding periods. However... given the pandemic this year... I'm not sure how low the rate will be this year. Any ideas?
hi po ako po annual payout din po pinili ko sa 3rd account ko sa mp2 savings, anu requirements nila to get the payout dividend po? pupunta mismo sa ofis ng pag ibig to claim the check po after 1 year? thanks hope you notice. God bless.
I appreciate your concise and easily understable vlogs re: MP2. I’m very much encourage. Although I have a question on how to claim my dividends after reaching 5 yr maturity. Can i also track my account/payouts online? Thank you sir for minding my inquiry.
You can create a virtual account, and i think doon mo mamonitor ang galaw ng pera mo.
Paano makikita ang dividend ng pera pag 5yrs payout
Clear explanation natutuwa tlaga ako sayo kaya mag invest na ako s mp2 love love this video
Thanks Mitch. All the best.
Thank you so much sir Fermin. I really like the way you explain parang papa q na kalmado lang pro tagos talaga at klarong2x. I am wantching most of your videos and it really helps a lot. Please keep on making videos like this for the Filipinos to be financially literate. God bless po. 😊😊
Thanks po and good luck.👍
Very impormative video specially for computation... At least wag mag expect nang mataas na return... Just for passive income better than time deposits... Stocks better if u want higher returns but very risky specially for beginners. Thank u sir.
Tama po Japhet. All the best to you po and good luck.
Ang galing sir dito ko talaga m sabi na money works for you. More videos.. About pros and cons. Of mp2
All the best and good luck po.
Learned a lot from this video. Thank you sir. I'll gonna show this to my wife para maiplano na namin ang aming MP2 journey hehe. Subscribed :)
All the best and good luck.
Mas maganda talaga maginvest sa MP2 kaysa mutual funds, mas secure ang kita mo
It's also good to diversify. Depende po sa risk tolerance ng investor. Good luck po and God bless and ingat po kayo palagi.
paano po last year auguest hulog ako ng 500 tas today october 2020 hulog ako ng 1000 paano po un pag kinuwenta d ko po alam kaya po ako nag mp2 kc po wla ako sss
Sir paanu kung late ako magbayad gusto ko bayaran yung 2019 to 2020
Punta po kayo sa pagibig baka pwede pa pong byaran.
Diversifying your funds for invesent is better
Thank you sa malinaw na explanations,,,ganun pala tumubo yung pera mo sa mp2,,tpos dun sa from and to naguluhan din ako dun mali pala yung ginawa ko at least now alam ko na 👍🏼👍🏼👍🏼👍🏼👍🏼🙂🙂🙂
all the best po and good luck.
Well explained. Thank you so much sir!
Good luck po and God bless. Ingat po kayo palagi.
Hi po! Thanks for this very informative discussion. For annual contribution po ba, ano dapat select na From and To, same pa rin po? For example: Jan 2020 to Jan 2020 lang rin po? Thank you!
Opo tama po, same pa rin po. Mapa annual or monthly ang inyong contribution or daily, pareho pa rin po. Same day pangnpo ajg hulugan.
@@ofwpowerpaano po if ang naset sa mp2 acct during creation is monthly payment, pero it turns out kaya ko pong magbayad annually or on lump sum. Pwede ko po bang i-annual or lump ang payment ko (yung to and from period sa isang same month and year)? Hindi po ba ako sisingilin ng pagibig dahil hindi nakaspread out ung payment ko ng monthly?
Hello po new subscribe here buti nkita q tong video nto 😅 kc nalilito aq jan sa from at to.. Hehe pano po qng monthly aq mqghulog tama po b ung ganto kc gcash aq nqghuhulog po may petsa din dun..
APRIL 01 2023 -- TO APRIL 31 2023
TAMA PO B UNG GNYAN FORMAT AT PETSA THANKS PO SANA MAPANSIN 🙏
thank you for sharing ideas...napakagaling nyo po mag explain..hindi na need pumunta sa pag ibig branch..maraming slamat sir..very impormative.
Youre welcome po. All the best.
Sir. Pwede po magfeature din kayo pano mapadali matapos ang housing loan sa pagibig.
Advance payment po kyo palagi. Bababa po pati interest. Ganun po ksi ginawa ko.
Thank you po for clear explanation! automatic nag subscribe ako! kuddos!
but one question lang po, ung sa One-time lump sum po example nag hulog po ako ng 50,000pesos tapos nagkaron pa ako ng extra money na gusto ko din sana ihulog, pwede pa din po ba yun idagdag? or kailangan ko na mag open ng isa pang MP2 account? salamat po in advance and God Bless!
Pwedeng pwede pong dagdagan gaya po ng nasabi po namin sa video sa ibaba. Please watch po for more information. Good luck po.
Mga Dapat Tandaan kapag Nag-iipon sa MP2:
ua-cam.com/video/lAz32JGk9Ek/v-deo.html
Ang dami ko po natutunan.. Very informative tnx po big thumbs up.. I'm ofw in hongkong.. 👍👍
Welcome po. All the best and good luck po.
Sir naginvest po ako nung first year under lumpsum method ng 50k, then second year 40k, is it fine to do that? How will be the computation of the dividend?
That's perfectly fine po dahil ang MP2 ay voluntary. Anytime na may pera po kayo, hulog lang po ng hulog. Ga inyoood l.
Hi Sir! I just want to inquire if may difference ba if yung first contribution ko for the 1st month is 5k, then for the succeeding months is 1k, given that I will contribute monthly. Will there be a difference in the total accumulated amount? Thanks in advance!
Salamat sa mga paliwanag talagang detalyado at madaling maiintindihan god bless
welcome po and good luck.
Hi sir, just wanted to ask po if when does the cycle start for mp2? Is it from the day of your first contribution? And with regards to computation ng dividend, for example yung cycle ko starts every 1st of the month , pag ngcontribute ako ng 2k ng 10, 1k ng 15 at 2k ng 25, yung TCM po ba is 5k pa din regardless ng kung what day of the month ka na naghulog or depende pa din sa ADB ng cycle na yon? Thanks po sa pagsagot 😊☺️🙏🏻
Hello po sir. Ask ko lang po.. bale yung 7% interest po nya is annually din po?
Sir ask ko lang po pwede ba daw kumuha ng multiple account sa mp2? 1 account per year? Salamat po
Hi Franklin, yes you can have multiple accounts. Up to 5 active accounts at the same time. Good luck po and God bless. Ingat po kayo palagi.
super clear ng pliwanag. lhat ng tnong q nsgot ng maayos. thank you😘
goo to know that po. all the best po.
I saved 5k per month and it's my 3rd year already, instead of continuing my contribution I already stopped and open a new account since for my first account I only have 2 years left until maturity for my contribution to gain interest while if I open a new account it will grow more since I will still have few years to compound the interest. Is this a strategic idea sir?
Perfect idea! I like your strategy po. Good luck!
@Jaydee Ordanes lahat po nakikita sa virtual pagibig - hulog at dividends.
@@ofwpower
Kailan makuKuha ng Buo o LumpSum ang Dividends sa Regular Pag ibig imbes na 200 pesos nagRequest ako ng 1 tawsan pesos a Month na Contribution
@@jeffreycaspe makukuha po ang P1 regular contribution after 240 contributions or upon reachong retirement age.
How to open new or additional mp2 account po? Pwede ba sa virtual pagibig account?
Pwede po ba irregular yung money na ihuhulog per month? May 2020: 500 June 2020: 1,500 July 2020: 3,500 ganun po
Hi Judy, yes, pwedeng pwede po. Sapagkat ang MP2 ay isang voluntary savings, kaya nasa sa iyo kung kelan ka maghuhulog at kahit magkano po, bastat huwag bumaba sa P500 per hulog. Good luck po sa inyo and God bless. Ingat po kayo palagi.
Sir if nkaonline. Member n ba sa mp2 pwde n mghulog ng savings sa remittance center? Ang need lngnb ung acct no sa mp2?
@@maribelpadilla8427 tama po. Account number lang po ng MP2 ajg kailangan.
E sir pagmaghuhulog po ba ng contribution tatanung k kung monthly,yearly o lumpsum ang hulog mo?
Thank you for sharing this video tips mp2.happy viewing for tips.
Welcome po.
Hi sir, first of all, thank you for making this kind of content, mga de kalidad na video Everytime. Now, tanong ko lang po
1. Nung una po ako naghulog ng mp2 lump sum po Ang una ko, then medyo nakaluwag and ginanahan po ako magdagdag.. Tama po ba na na convert ako na irregular? Bale mula Nung unang hulog ko na lump sum, naghulog po ako ng regular until covid happened and 3 mos ko Hindi nahulugan. Sa ganitong scenario sir, sa anong categorya na po ba ako? Na invalidate na ba Yung pagiging lump sum ko kasi bigla ko dinagdagan? Salamat po.
Hi Beni thank you and I truly appreciate your kind words.
To answer your question directly, hindi na po mag ma matter. Anytime pwede kayong magdagdag. Matter of fact hindi na po alam ng SSS kung regular, irregular, lump sum or annual ang inyong payments. Remember, MP2 is voluntary. All contributions earn dividends. Good luck po and God bless. Ingat po kayo palagi.
Salamat sir sa pagsagot. Another commendable act po from you. Continue helping us to have a better living by having investment and maximizing it. Sana po magkaroon ng content sa common struggles ng nagsisimula pa lang sa pagiipon, at pagiinvest at mga tamang mindset to overcome it. Salamat. More powers! God bless.
Hi@@beniflorence6259 . I truly appreciate your kind words. Thank you very much. I will note on your request po. Good luck po and God bless. Ingat po kayo palagi.
@@ofwpower Sir I am a new subscriber and nabasa ko Ito just now. You mean "hindi na malalaman Ng Pag-ibig"? Pls clarify po. Thank you so much. God bless.
@@edithresontoc425 tama po. Sa MP2, hindi na alam ng PagIBIG kung anong klaseng payment ang ginawa mo. Bastat hulog lang ng hulog lahat po ito ay tatangapin ng PagIBIG at kikita ng dividends base sa aming ipinaliwanag. Good luck po.
Question, Sir. 🙂
I just started my MP2 savings this September and I decided to get my dividends annually. Is there any way I can change that?
At pagibig office po.
Very well said po sir,marami po ako natutunan bout mp2 thank you for sharing po sir..
Welcome po and good luck.👍
Well explained thanks pati yong pagsasalita mo very good hinay hinay kaya clear s amin
Thanks a lot Miriam. Appreciate your kind words po. All the best and good luck po.
Maraming salamat sa video. Very informative at ang ganda ng pagkaka explain with data. Very well done!!
all the best and good luck po.
Wow thank you so much for sharing this love love so much ayan magsimula na.ako Sir thanks
All the best po!
Napaka ganda po ng naisip nu mga sir at mam..malaki pong tulong yan
all the best.
Mas naintindihan ko ang MP2 dto. Well explained. 👍
Napak-clear nyo pong mag-explain.
Wow gling ng explain mas ok pla isang bagsakan hulog s mp2
Sir thank you sa paliwanag.. ngayon Alam ko na ang mas magandang strategy..more power
Good luck Jim.
Maraming salamt po sa video sir...marami po akng natutunan...matagal ko ng pinabayaan ang pag ibig ko dhil akala ko wla ng kwenta...pero ngaung alm q na na pwde pla ako mg ipon d2 at tutubo pa ung pera ko na ingganyo ako...maraming slamat po sa kaalaman...
Thank you po ngaun alam ko na po ung gagawin ko sa pera naipon ko
Welcome po amd good luck.👍
Very well SAID and further info that's why I am incouraging to make savings in MP2.
good to know that po. all the best po.
Good morning po sir maraming salamat po sa idea para po sa akin mas maganda po ang lump sum dahil mag aantay nalang po ako ng maturity ng perang inilagay ko at mas mataas ang kikitain ko... God bless po
Sa case ko, mas gagamitin ko yung annual payout then ilagay ko sa another mp2 account pagkapayout ko. For emergency purposes na every year pwede ko makuha yung pera kesa sa 5 year payout. Kung wala naman emergency in 5 years, every year ilalagay ko sa another mp2, so parang 5 year maturity payout na din.
Good strategy. Good luck!👍
Thanks for sharing video at nagkaroon ako ng idea about pag Ibig maraming Salamat po
Thank you so much for sharing ngaun naintindihan ko na po...salamat talaga kasi balak kong mag invest
Dami ko natutunan dito ky sir about sa mp2 and sss thank you sir
Salamat po Sir sa maliwanag n explanation!! Gusto ko PO pero kulang ako sa knowledge
Ngayon may dagdag knowledge na po kayo. Good luck po.
Very interesting po thanks ftor sharing the video
Thank you too
Importante talaga sir makapagsave maliit man o malaki.kung ano lang kaya at least nasa minimum pa din
Right after makuha ko ung total accumulated savings in 5 years sa monthly basis ay ilalagay ko sa lump sum while at the same time, continue na naman sa monthly para dual ung investments. Salamat po sa video
Welcome po and good luck.👍
Thank you, Sir!!! Your video saved me. Muntikan ko ng ispread yung contributin ko.
Kabayan, sobrang linaw ng explanation mo!!! Ang dami kong natutunan. Binge watch ko ngayon yung mga videos mo related to MP2. More power and salamat!
Wow, all the best Earldean. Good luck po and enjoy.
Thanks for this video kkaumpisa ko pa lng at ganun ginawa ko inispread ko sa months ung hulog ko buti nman at 2 months lang so next time alam ko na ang gagawin ko
Thank you po .... sobrang nalinawan ako sa Period from and period to😊 and dun sa okay lang pla putol putol ung hulog ...sooo informative po..thank you
All the best and good luck po.
Grabe dito q lang naintindihan sa dami q ng napanood na vedio about mp2 good job ka sir
good to know that po. all the best po.
@@ofwpower wow naman salamat kaayo sir
@@tatavlog3136 all the best po.
Thank you po sir my idea na po ako kung pa ano mag-hulog , sa mp2 saving account sir etc....!
Thank you Sir Fermin. Super clear ng explanation at very clear ng voice mo.
good to know that buddy. all the best and good luck po.
wow thanks po naintidihan ko na, God bless po 🙏🙏🙏
good to know that. all the best and good luck po.
Woww ang ayos nyo po magpaliwanag good job ,gusto ko rin ma try ang MP2
All the best and good luck po.
Thank you Sir, planning to open an account. Mas naliwanagan ako. 👍
All the best and good luck po.
Sir thank sa video na ito. nag member napo ako ng pag-ibig mp2 noon napanood ko yong iba mong videos. maraming salamat sir mas naintindihan kong pag-big map2. kaso lang nag annual imbes na 5 year. hehehe... pero salamat pa din sa video na ito sir. God bless po.
Welcome po. All the best po sa inyo and good luck.👍
So relieved I came across this video, i almost made a mistake re the "period to and from."
All the best and good luck po.
😊
Wow ang ganda po ng paliwanag kukuha na ako ng mp2 sa pag ibig.
Thank you Sir, atleast mas malinaw na sakin ano ang paraan para mas mataas ang dividend
NAPAKALINAW AT NAPAKAGANDA NG PAGKAKAEXPLAIN NYO SIR 💕 I LEARNED A LOT!!! THANK YOU SO MUCHHHH
Welcome po and good luck.👍
Sir,yung computation nyo po SA 7 % Lang naka base eh every year,iba-iba po percentage na nilalabas ni Pag Ibig. Kaya yung 5 years TAV compounding interest ay depende sa percentage na ilalabas ni Pag Ibig.
Thank you po sir naliwanagan na po aq tungkol sa tanong ko na yearly payout dividens 5 yrs payout nd rin pla yon maka apekto sa hulog ko at nd rin mawawala ang dividens ko yearly salamat po ng marami, more power po 🙏👍🏽❤️💪
this kind of content deserve to have millions subscriber...
salamat po Yasser for your kind words. we're glad nariyan po kayo to support us. good luck po.
Thank you po for the very detailed explanation with spreadsheets. Appreciate it po sir. 🎉
Ay nagawa ko po yan From Jan to Dec 2022 oh thanks at least now know ko na po
All the best
Very simple yet very effective explanation. Sobrang galing sir, thank you!
Thank you Mark. Appreciate your kind words po. Good luck.
thank you Po sir mag ipon nalang ako this year para this coming january Hulog kuna lahat for 5 yrs.
Sobrang detalyado. Thank you for sharing! God bless always
Thank you po and good luck.
Thank you Sir for your well-explained brilliant tips for MP2 Pag-IBIG fund.
welcome po and good luck.
ThankYou2x po Now I know ano ang tamang pagsave sa MP2... Kakaopen ko ng 2nd account ko and my 1st account is malapit ng magEnd term 2024.
Invest sa mutual fund, kc mutual fund din mag invest Ang MP2 at mayron 10 to 12 % Ang interest with dividend,. Kc 5yrs din ung minimum investment
Salamat po sir, napanood ko ang vedeo naka saving din ako sa mp2..
Thank you sir npakalinaw ng explanation nyo po..😊
You're welcome all the best and good luck
Very informative and explained clearly ang bawat detalye. Marami pong salamat sir for this video. Plan ko napo mag start ng MP2 and now alam ko na po ang mas magandang gagawin. God bless po. 🩷❤️
Salamat sa share sir kung di lng area branch manager aunte ko sa pag-ibig di ko po alam yan buti na lng anjan po siya
Sir, OFW ako at nagkamali ako sa pag-open ng mp2 account ko. Nailagay ko na desired monthly na hulog ay 1K lng kc napapanuod ko ma mga video 500 lng nilalagay. May ipon ako na 100K na nilagay ko sa mp2, nang magbabayad nako ay 10K per month lang allowed kaya sinelect ko 10 months para mabuo 100K. Ayon sa video nyo ay di ideal na gnun na ispread kaso namali napo ako. Sa mga ofw po jan,ilagay nyo na siguro agad na desired contribution kung magkano gsto nyo ilumpsum if plan nyo lumpsum. 😊
Thank you po sir.Namali ako na ina advance ang payment
Its okay. Just continue saving po.
Very precise explainatiin, very awakening ,, Thank uou so much❤❤❤
very good explaination, super clear and easy to understand.....thank you,😊😊😊