Bakit Ganito Lang Ang Dividends ng aking MP2? Actual MP2 Dividends Calculation

In this video we will show you an actual dividends calculation from PagIBIG. Ipapakita namin bakit kahit malaki ang halaga ng naihulog sa MP2 account ay mababa lang ang dividends ng PagIBIG. Ipapakita din namin ang paggamit ng Average Daily Balance o ADB sa pag calculate ng irregular savings.
Disclaimer: The PagIBIG calculation is final if ever there are discrepancies between our calculation and that of PagIBIG.

[@cathumz9720]

Anlupet! Unang video pa lang, na pa subscriba na ako. Mind you, mapili ako sa mga channel na aking sinusubay bayan!

[@ofwpower]

Wow! Thanks a lot Faye for your kind words. I really appreciate it. Thank you po at nagustuhan po ninyo ang ating video. All the best and good luck po.

[@serenisongs4432]

me too galing mag explain ni sir with easy to understand visuals ❤️

[@ofwpower]

@@serenisongs4432 welcome po and good luck.👍

[@albertrecondo1864]

Sir ask lng po bakit ang liit ng average dividend rate na bigay ng Pag ibig? Naghulog po ako ng nov.2020, at ng i check ko ng nov.2021 maliit lng tinubo nsa 1.5% per annum lng po..

[@ofwpower]

Nov lang po kayo naghulog kaya yung tinubo niya ay 2 mos lang po. Please watch our other videos on how to calculate po.

[@Woolfie]

ito na ang pinakamagandang delivery na napanuod ko. Very focused sa pagprepresent at very direct at very easy to understand.

[@ofwpower]

Thank tou very much po.

[@glindz_channel]

Thanks so much po sir dahil sa panonood ko ng mga videos mo nakapag start npo ako mag open account sa mp2 inshallah after 5 years my pang tuition fee na ang anak Kong bago po sya mag college 😊 salamat po god bless😇 po sir ingat po palagi

[@bojiam4818]

As per usual, very helpful video about mp2.
The work that you put in doing these videos are phenomenal.
Sa organization ng pagprepresent mo ng topic, knowledge about the subject, dapat pag nag search sa youtube ng MP2 PAGIBIG lalabas na agad yung video mo.
Hoping for more videos like these "Case Studies" ng mga iba-ibang ofw ng mga contributions nila at mga dividends, sana may ipakita din na nagwithdraw ng MP2 after 5 years.

[@ofwpower]

Thank you Boj from the bottom of my heart. I really appreciate your kind words. Ingat po kayo palagi.

[@f3l1xaguinaldo94]

@@ofwpower Bro.. 1st time I heard tong MP2.. and not sure kung kailan ko huling nahulugan pag-ibig ko.. kindly share the links on how/where I can start also this kind of investment. Mabuhay ka at sana dumami ka na Pilipinong tumutulong sa kapwa Pilipino! I just subscribed.. 👍🏻..btw OFW rin po ako..

[@ofwpower]

@@happytravel9580 sensiya na Paul. Ngayon ko lang po nabasa ang message nio. Hindi po madodoble ang inyong pera sa MP2. Sorry to say that po. 5 years is too short to make your money double.

[@mclynburley]

Sir pwede po ba ako mag invest kahit Wala na akong work?

[@ofwpower]

@@happytravel9580 good luck po.

[@ginasimple8166]

Thank u sir syo ko lng naiintindihan ng maliwanag at maayos about mp2 follow ko lng po ang explanation nyo to register online and done....watching from singapore....more power po.

[@ofwpower]

All the best Gina.

[@miagenovia2440]

Ang galing niyo po sir! Continue to share your knowledge. Thank you po. Punta ako bukas sa PAG IBIG. Mag start ng MP2.

[@ofwpower]

Good luck!

[@jerickbautista7486]

Napaka husay na explanation sir...malinaw nsa akin kung paano ang paraan para mapalaki pa ang tubo ng pera ko.Saludo po ako sa inyo .

[@ofwpower]

Good to know that po Jerick l. All the best po and good luck.👍

[@alenmateomunoz4362]

Very clearly explained. The procedure in the calculation of the annual dividend, I think, is mathematically correct. Bottom line: To earn big, invest a large lump sum.

[@ofwpower]

All the best Alen. Good luck.

[@autosuggestion7267]

kapag lumpsum po ba one time hulog na yun sa buong 5 years di na pwede magdagdag?

[@emmesecurity3112]

Grabe ang galing nyo po mag explain boss... napanood ko po buong vedio, nyo,

[@ronaldfernandez6337]

very educated po mga videoso sir. kaya lagi ako sumosubaybay sayo. at alam mo ba sir. kaya ako nakapag open ng account ko sa mp2 dahil sa video mo. kasi nagkainterest ako. which is totoo po. kaya isa ka sa idol ko😀

[@ofwpower]

Wow! Thank you Ronald. Nakaka inspire naman ang message mo. Ingat kayo palagi and good luck. Cheers!

[@minhoolee1383]

Galing! Mas naintindihan ko na po sya. Maraming salamat!

[@ofwpower]

All the best po.

[@ezekiel102487]

Wow! Thats how it works pala, the earlier month of the year ka nakahulog the better, much better din kung malaki agad ang unang hulog mo. Yun pala ang technique!

[@ofwpower]

Good luck Jerrylee.

[@thegesfavorite7862]

Sakto po to sir kasi naghahanap po ako ng magandang investment. Salamat...god bless po.

[@ofwpower]

All the best po and good luck.👍

[@888gratitude]

I think you've covered almost everything and the reason for earning such an amount based on the sample you'd presented. I reckon the main question to address is: For a contributor to be aware of, shall the elapsed time matter in computing for the dividend whilst the ADB is dependent on it? Many thanks.

[@ofwpower]

It appears that the most likely method PagIBIG is using is AMB (monthly). Based on my trial calculations both methods are acceptable practical approximations of the range of your dividends income. So either one is acceptable. See our video below for AMB and we created a calculator for this:
- [ ] MP2 All Purpose Calculator for Regular / Irregular & Lumpsum Contributions - ruclips.net/video/QgkNkPfoVT8/видео.html

[@mimiegwapa3685]

@@ofwpower hi po. Clarify ko lang. Sa solving niyo sa video na eto ay Average Daily Balance pero AMB po sa comment.. hehe. So ano po tama?

[@maepaitoncampo]

Thank you po sa video nyo. sobrang dami kong natutunan regarding sa MP2 Contributions lalo kakacreate ko lang ng MP2 account ko yesterday. Maghuhulog sana ako for next few months in advance and lucky enough na hinulog ko lang sya for this month. at ganun na lang gagwin ko lagi after watching this video.

[@ofwpower]

That’s awesome. Congratulations po!

[@junramos9433]

Sir, yong pong naihulog nya n 95k nuong year 2019 kasama na sa hinulog nya ng 2020 jan so yong investment nya ng jan 2020 nasa 100k na? tanong lang po ser.

[@mansouronsi3216]

Nice Question,, can we call OFW POWER para linawan kami regarding this question?

[@jeromesoriano4617]

Yes, compunding na siya the succeeding year.

[@bonoyquinto5209]

@@jeromesoriano4617 so sa following year, yung 100k na yung magiging basis ng Daily Average Balance? Kasi nagreset na? Tama ba sir understanding ko? Thanks!

[@noelb.delapena6508]

eto ang hinahanap kong explanation na maliwanag, nainis lang ako sa ibang vloger haba ng ng intro nonsence naman ng sinasabi. Salamat po idol naintindihan kopo ang paliwanag nyo sa video na ito se save kopo ito bilang guidelines ko.

[@ofwpower]

thanks Noel. appreciate your kind words.

[@ramonbalboajr2758]

ang galing nman ngpgka xplain ninyo boss. una npa kunot nuo ko sa kakaisip, pero sa huli npa ngiti mo ako. salamuch

[@ofwpower]

thanks a lot Rocky. let me know kung may hindi po maliwanag. good luck po.

[@jean_angel9085]

Paano po the next year kikita pa po ba Yung mga naihulog na? Like 2019 then 2020 kikita pa ba Yung sa 2019 na pera?

[@ofwpower]

lahat ng kita ay kikita pa uli until 5year. that's compounding.

[@jerwindeguzman5157]

thank you so much for another knowledgeable video...

[@ofwpower]

My pleasure

[@lovingthelife9353]

Napakalinis ngpagkaturo ❤

[@ofwpower]

Thank you Angie. All the best po and good luck.

[@Oooooooommp]

I am very enlightened after watching this video. I just open my mp2 account and planning to deposit money on January. Isang bagsakan nato para mas malaki dividends

[@ofwpower]

Awesome! All the best and good luck po.

[@arbiem7021]

Kudos s inyo sir. Just to add, tama po kyo, sa date posted po base ang calculation at to be exact yung 7.23% po ay round off po ng actual rate na 7.278321% kya kung ika-calculate nyo po ulit, ADB [year] 46,776.17 x 7.278321 = 3,404.519 or 3404.52 po pag rounded off.

[@ofwpower]

Thanks for verifying our calculation Arbie. All the best and good luck po.

[@GParbznibai]

Ty sa vidz. Na intindihan kona.. more power.kabayan

[@ofwpower]

Welcome po and good luck.👍

[@dannyloyola3610]

Thank you sir napakalinaw po ng inyong paliwanag..God Bless

[@ofwpower]

Welcome po and all the best po.

[@melindamarinas1518]

Thankcucsir ang ganda marami po akong natutuhan

[@ofwpower]

Welcome po and good luck!👍

[@shalimarcalvo5057]

Thank you sir .. watching from Dammam

[@ofwpower]

Welcome 👍

[@mksee66]

Very clear explanation. Basically kaya di nakuha yung 7% ng 95,000 na hulog kasi hindi siya Lump sum. Unti unti ang hulog ni ofw monthly. if gusto makuha yung 7% ng 95k dapat jan. pa lang may 95k na agad na lump sum.

[@ofwpower]

Exactly. Tama po.

[@jerickbautista7486]

Sir Fermin gusto ko ang style ng explanation mo kagalang galang po...pormal sa delivery at very informative ...seryoso .God Bless sir!

[@ofwpower]

Thanks Jerick. Appreciate your kind words. All the best and good luck po.

[@femacalanda6361]

Thank you very much sir Fermin for a very informative info that u sharing with us

[@redrubyreynofficial8663]

newbie here.. thank you sir... dami kung idea nakukuha..GOD BLESS

[@ofwpower]

good luck po and all the best.

[@pilipinoako7884]

Ang galing nyo nmn sir at napakalinaw nyo pong napaliwanag.thank you and God bless po!

[@ninjanihubbyduties6616]

Very helpful information po host salamat ..

[@ofwpower]

Thank you po and good luck po.

[@harrytrocioladao1750]

Maraming salamat po sir sa ideas.

[@ofwpower]

Welcome po and good luck.👍

[@stephenzaldarriaga3643]

Ofw din ako idol new subscriber ngaun my idea n po ako mas maige pla na lumpsum isang bagsakan na lng mas malaki ang dividends pla. Slamat sa videong eto..

[@ofwpower]

Welcome po and good luck.👍

[@nhelcoles]

Salamat po.... Very informative...!

[@ofwpower]

welcome po and good luck.

[@mctvph4370]

Very nice. Maraming salamat sir sa explanation.

[@ofwpower]

Welcome po and good luck.👍

[@charlesmedranomaramot4028]

Maraming salamat Sir. napakaliwag po ng inyong paliwanag. God bless Sir Fermin

[@ofwpower]

Thank you po and good luck.

[@funetcetera2464]

Ang galing ng computation at analysis thumbs up po sau Sir 👍👍👍

[@ofwpower]

Thank you din po. All the best and good luck.

[@JhoNill981]

thank you sooo mucchhh sir, nakaka motivate pOH Ang mga videos nyo pOH..

[@michaelasis9041]

New subscriber. Thanks dami ko agad natutunan.

[@ofwpower]

thanks a lot Michael. all the best po and good luck.

[@peterandallkapamilya1100]

malaking tulong itong calculation na pinakita mo sa amin Mr. Fermin!
God bless you po..

[@ofwpower]

All the best Pete. Good luck.

[@joanlogatcho1159]

Thank you sir naunawaan ko na

[@joanlogatcho1159]

Mahirap po pala pag deduction sa sahod ang payment kasi hindi naman updated ang hulog ng company by quarter sila mag hulog kasabay ng contrabution kaya wala talaga malaking magiging interes ang pera 😔

[@ofwpower]

Good luck.

[@nitzsantillan7464]

Ang galing ng explanation as always.

[@ofwpower]

Thank you po.

[@mariconsunico9697]

Thanks for a very clear explanation.

[@ofwpower]

Welcome. Good luck.

[@zepryl7424]

Napaka informative na video nyo sir, so kung gusto kumita ng malaking dividends dapat maghulog ng malaking halaga sa January para makuha ang buong declared dividends ng PAG-IBIG.

[@carlareyes1540]

First time to watch your video pero I gained a lot of knowledge! Mabuhay kaso sir. newbie ako pero na-gets ko agad. Keep helping pinoys po in increasing our financial knowledge.

[@ofwpower]

Great! Its good to know thaty po. Good luck po sa inyo and ingat po kayo palagi.

[@mjdckitchen]

Thank you po naka start Napo ako sa mp2 investment..salamat sa pag reply nyo po

[@ofwpower]

Awesome! All the best po.

[@lysandergrajales8722]

Very detailed explanations,.thanks😊

[@ofwpower]

Thank you and good luck po.

[@chalagula1122]

Thank you po sa video. Madali pong maintindihan. Magaling po kayong mag explain. Sini share ko sa mga kapatid at kaibigan ko po ang mga videos ninyo.

[@NaDynOfficial]

Well said iba po talaga kapag kayo Ang nagpaliwanag... Another answered question for many for sure. Thanks a lot Po!!!

[@ofwpower]

Welcome po Ka Dyan.

[@robertcarullo]

Thank for your good explanation. God blessed.

[@ofwpower]

Good luck po.

[@jungarces1]

You are absolutely correct.. Good explanation... Kasi di naman 95K siya nagsimula ng January..

[@cherylpajo8600]

Thank you sir because of your inspiring vids, naka start n ako at last ng Mp2. 🙏

[@alvinuba724]

Very informative po sir,thanks

[@ofwpower]

Welcome po and good luck!

[@springboi385]

amazing!!!! napaka enlightening. thanks sir!

[@ofwpower]

Thanks Jessica. Good luck.👍

[@lornaatienza3057]

salamat po sa video na eto, naliwanagan aq 😊😊😊 Godbless

[@ofwpower]

Welcome po.

[@carlosjavinez8330]

Hello aks ko lng po.. if ang idea ay ang best na pg hulog ay every JANUARY of the year regardless if mgakno ang ihulog,ibig po bng sabihin kahit di ka nkapag hulog for the nxt accumulating months e kita prin ngw malaki or maliit ang hinulog mo nung JANUARY..more power po thanks po educational video .

[@ofwpower]

Sa MP2, the earlier kang maghulog at the bigger the amount, the better. Not jecessarily January.

[@robadventure8007]

Well explained!👍🇵🇭🇧🇭

[@ofwpower]

thank you po.

[@genelynmorales5752]

Very informative , thank you po

[@ofwpower]

Welcome po and good luck.

[@melbafallorina5982]

Very informative keep it up sir

[@ofwpower]

Welcome po and good luck.

[@venusjamero291]

napakaklaro po ng explanation..
good job sir ...👏👏👏👏👏👏

[@ofwpower]

Thank you po and good luck.

[@rosebelcabero1206]

Verry much helpful about mp2 thank you sir keep it up..and God bless you ❤❤❤

[@ofwpower]

Thank you po.

[@raymondtvblog1611]

Marami pong salamat sir sa kaalaman na itinoturo nyo God bless you po...

[@allenceazarlibiran7099]

Galing! Very informative and cleared! 👏👏👏

[@ofwpower]

Thank you Allen. Pasensiya na medyo gragging ang video. After watching it myself nahahabaan ako. We'll improve in the future for all of you. Good luck.

[@sergiobenoya]

Awesome explanation sir. Learned a lot

[@ofwpower]

Good to know that po. Good luck.👍

[@mariaelenacalibuyot725]

Super informative po kayo Sir very thankful here from HK

[@ofwpower]

Thank you Maria.

[@TanyaYacapiloveyou14344]

Thank you sir Fermin, I really like the way you explain. Napaka simple po at madaling maintindihan. Keep spreading your ideas about savings, budgeting and investments.

[@ofwpower]

Thanks for your support Tony. Ingat.

[@LoRisVlogs14]

Salamat sa napaka impormanteng video...new subscriber here

[@ofwpower]

All the best and good luck!

[@luciaingcol8288]

Much learn tink u mr fermin

[@ofwpower]

Welcome po and good luck.

[@angelierosenas3935]

Thank you for your clear explanation to this topic,.
Its' really helpful.

[@ofwpower]

Welcome po and good luck.👍

[@rodolfolargo5248]

That was very informative and helpful ! Thank you!

[@ofwpower]

Welcome po and all the best po.

[@allanescubrate3046]

Hello Sir Fermin more power sa inyo,thanks for giving us the right info about sa mp2.
Question lang po,, if naka hulog ako ng 50k sa january 2017 then sumunod na hulog ko po ay nov.2017 na ,ok lang po b ito????thanks .

[@ofwpower]

ok lang po yun. no problem po because MP2 is a voluntary (not mandatory) savings program. kung kelan ka may pera, then you can contribute if you want.

[@Chelhanzvlog]

thanks for sharing.... Godbless po

[@ofwpower]

Welcome po and good luck!

[@princeedgarpastoral6670]

Very helpful sir

[@annabellagura5768]

Thank you Sir really helpful po.

[@ofwpower]

Welcome po.

[@marlonalfonso7343]

Mas luminaw lalo thank you 😊

[@ofwpower]

All the best and good luck po.

[@marlyzabala4884]

Maraming salamat at napanood kita...ang dami k nlaman at natutunan lalo n s MP2.

[@malenmitra6007]

thank you sir may nadagdag na nman sa aking mga nalaman.. kudos to you sir.

[@everythingnice6447]

i like your channel, ganda p ng boses.

[@ofwpower]

Thank you po. I appreciate your kind words. Good luck.

[@serbelleluces5276]

Tnx sa info sir! am an mp2 depositor din po 😊 stay safe always n God bless you sir🙏

[@ofwpower]

Thanks po and welcome po.

[@maryamaseniero]

Wow, thank you so much sir

[@ofwpower]

Welcome po and good luck.👍

[@dipaculao1960]

Napuna ko rin yan. Last year 50k naihulog ko. Lumabas sa dividend ko 1900 pesos lang. Sa record nila, 6.1 % yata ang dividend. So dapat 3k. Ginawa ko nang total 250k ngayon. Tingnan ko later kung ano ang kalalabasan.

[@rabdirection]

Thank you sir for sharing about mp2 investment it's very informative 😊

[@ofwpower]

Welcome po.

[@soienriquez4213]

Newbie here, thank You po! I find very enriching and encouraging yung mga computations nyo po for MP2 PGA IBIG. more videos po.

[@ofwpower]

Thanks and good luck.

[@zaismile2116]

Agree

[@berleanbriones1780]

Ay ganern, may ADB pala, akala ko nmn yung total saving plus yung percent divedend. Ah ok. Ang baba pala ng tubo. Pero mas malaki pa rin kesa s ordinaryong bank savings account. Now alam ko na haha.

[@sahtotoolang6736]

Marami pong salamat

[@ofwpower]

Welcome po and good luck!👍

[@rosielremigio8879]

salamat po sa info..sir..

[@ofwpower]

Welcome po and good luck.👍

[@paulojeff1753]

Good job Sir! 👍....very informative content 👏👏👏 ...

[@ofwpower]

Thanks and good luck.👍

[@karaokesinger1758]

I understand it better now.

[@ofwpower]

Good to know that Aljon.

[@kapdu8285]

Salamat po Sir sa malinaw na pag paliwanag ng MP2.. Mabuhay po kau. God bless!

[@nhojareubla]

yes Sir very informative.

[@ofwpower]

All the best and good luck!👍

[@PaulLhenieTennisTraining101]

Thank you so much po sa info

[@ofwpower]

Welcome po and good luck.

[@mackydizon7356]

Thankyou sir napaka informative po ng mga videos nyo😊more power po

[@kabayantv2957]

Mas maganda talaga pag long term mga kA OFW..5 years better kung meron naman po tayo emergency Fund..correct me if I'm wrong sir Fermin..

[@ofwpower]

Tama po Gerald. Good luck po.

[@jojonavarez2373]

sir salamat po sa tutorials at sa excel.. I'm one of your followers.
my Question po ay kung nag contribute sya by Jan ng 95K+ at Hindi na nasundan util dec. same pa din ba and computation? if not can show to us in another video.. thanks in advance and more power po sa Inyo at sa mag OFW.😄

[@ruby-dv5ko]

Thank you po ulit sir..good bless po and more power..

[@ofwpower]

Welcome po...good luck.

[@marlyzabala4884]

Ang linaw m magpaliwanag.

[@noraocampo8673]

tHANKS FOR THE INFO.

[@d1n0_mb]

Very informative. Good job 👍🏽

[@ofwpower]

Thanks Ferdy.

[@d1n0_mb]

@@ofwpower malaking tulong para sa ofw (sg) na kagaya natin.

[@ofwpower]

@@d1n0_mb thank you po.