Your Vlogs are VERY, Very CLEAR at easy to understand. Walang mga gimmick sa presentation. Walang "yabang" sa presentation di gaya ng karamihang RUclips "performances" na over-confident, which is a turn off . May TIME STAMP pa! IKAW NA ANG "LEAH SALONGA" ng Pinoy RUclips 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 😂
Talagang mabagal at malumanay magsalita na tunay namang nakatulong para maipaliwanag nang maayos ang iyong presentasyon mas madaling maunawaan. PADAYON!!
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.
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 .
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?
@@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
Hello po, first time ko po kanina maghulog sa mp2 sa pag ibig branch. Ilang araw po bago ito ma post at makita ko sa virtual pag ibig? Thank you po for always answering and more power! Godbless po
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.
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 🙏
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.
Good day sir. Ask ko lang po, one-time lang po ang deposit ng investment sa PERA o monthly kang maghuhulog? Let’s say 20,000 . The following month maghuhulog ka rin ba? Or hindi na wait mo na ang maturity nito?
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 - ruclips.net/video/jCU0D2g_Meo/видео.html - [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ruclips.net/video/Aea89drtO3c/видео.html - [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ruclips.net/video/Kd-KXkvdZwA/видео.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.
Salamat sa info sir nagka interest tuloy ako sa PERA. Isa po akong OFW dito sa saudi. May 2 tanong lng ako sir...what if 3yrs lng ako maka contribute kasi nawalan na ng traboho ano mangyayari? Second, just incase magka pera ako, pwd ko ba gawing 3yrs to pay lng instead of 5yrs?
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?
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.
Hi, you are allowed to have up to 5 different types of investments under sa iisang adminsitrator. So pwedeng pwede po ang sinabi po ninyo - equity, bonds, money market at dalawang uri pa po. Good luck.
Hi sir! About sa PERA sir, if 100k per year po yung e invest ko kailangan po ba siya straight yung hulog ko per month until 5yrs or pwede po putol yung months na mahulog ko sir. Tnx!
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 po..thanks for sharing po..malaking tulong..may katanungan lang po ako..nung nag register ako sa MP2..nalagay ko 1000 per month which is 60k for 5 years tenure..ang tanong ko po ay pwede ba ako lumagpas ng 60k for 5 years of span?
Please watch our PERA videos below for more info. PERA RUclips Videos P.E.R.A. - [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ruclips.net/video/Aea89drtO3c/видео.html - [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - ruclips.net/video/jCU0D2g_Meo/видео.html - [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ruclips.net/video/Kd-KXkvdZwA/видео.html - [ ] How to Open PERA Account Online - Step by Step - ruclips.net/video/1WjXVT7PV6Q/видео.html - [ ] MP2 versus PERA: Part 2 - Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - ruclips.net/video/44miI_8EQsM/видео.html - [ ] Part 1: Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - ruclips.net/video/JCXZS35OT6k/видео.html - [ ] What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos? - ruclips.net/video/4yqcFYT5kVI/видео.html
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.
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.
Hello po, may tanong po sana ako. I created an account in Virtual Pag-ibig because I want to track my MP2 savings. Naka tanggap ako ng message na the request was submitted pero i need to wait for another text message to confirm that the account is already activated. Days na po ang lumipas pero wala pa rin akong natanggap na text. How many days po ba usually ma aactivate yung account?
hi po im new here...thanks for sharing...ask ko lng po monthly po ba ang hulog sa mp2 hanggang matapos ang 5yrs maturity or isang hulog lng then mag wait na sa 5 year maturity?
Hello sir! Great content, sending your videos to my friends and colleagues. Question lang sir, meron din po bang tax credits si MP2? And paano po sila nag iissue ng tax credits? If BPI po ba account ko, mareceive ko from them or mag sesend si BiR on my mail? Thanks in advance po
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.
That happening is very remote. Unless there is a massive economic downturn in which case, there not much safe investment elsewhere. In short, pede mangyari pero napaka unlikely.
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
Good day Sir thanks for the informative videos. Sir tanong lang po 1 month pa lang po aq nakapaghulog sa Pagibig ngayong January pa lang po kaya ko pa hinulugan kasi napanood ko po yung video nyo na sinabi nyo na mas mabuti na active sa P1 para makasali sa MP2 ang tanong q po pwede na Po ba aq maghulog sa MP2 ko po kahit 1 month pa lang aq nakapaghulog sa P1?
You can open your MP2 account anytime po, if your P1 is active. Sundan lang po how to open video namin sa ibaba. Good luck po. PAGIBIG MP2 ruclips.net/p/PLF1GV5jdAKwlm3PARk1Fp8vHiYRPE1ahV
Sir question po, from the formula 55/5 it means to say na dapat po sa loob ng 5years active na naghuhulog ka sa PERA. So after 5years ba sir can i stop na pong maghulog? At antayin ko na lang po na mag 55 ako? Im 35y.o. thanks
Sir please gawa ka video kung papano mag fund sa seedboxpera. Nahingi talaga ng subscription number ang bdo na wala naman binigay si pera. Thanks in advance.
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 😇☺️
Pagdating po sa investing, the key think is to invest in a consistent and regular manner regardless po of the market or economic situation. Good luck po.
@@ofwpower thankyou sir. I just registered online kanina lang po, activated na po ba agad yung account na yun? And pwede na po ba hulugan for this month of feb?
@@catherineng7927 congratulations! if you have the MP2 account number, maaari na po agad hulugan. ma-activate po ang inyong MP2 after your first contribution. good luck po.
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.
Boss yung kunwari withdraw mo sya due to emergency pero hndi pa mature and hndi nagfall sa condition ng pag-ibig. Ibig sbhn ba yung penalties mababawas sa dividends mo or pati din capital mo mababawsan?
Narito po ang step by step process how to open your PERA account: - [ ] How to Open PERA Account Online - Step by Step - ruclips.net/video/1WjXVT7PV6Q/видео.html Good luck.👍
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.
Your Vlogs are VERY, Very CLEAR at easy to understand. Walang mga gimmick sa presentation. Walang "yabang" sa presentation di gaya ng karamihang RUclips "performances" na over-confident, which is a turn off . May TIME STAMP pa! IKAW NA ANG "LEAH SALONGA" ng Pinoy RUclips 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.
Naintindihan ng mga Tagalog-speaking people. Mabuhay kayo Sir Fermin!
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.👍
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.
Talagang mabagal at malumanay magsalita na tunay namang nakatulong para maipaliwanag nang maayos ang iyong presentasyon mas madaling maunawaan. PADAYON!!
Salamat po.
now alam ko na panu gumagana ang mp2 salamat sa information sir God bless..
Welcome po and good luck.👍
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.
I am considering PERA..thanks for this video Fermin.
Congrats. You have a nice presentation. Clear and concise.
thank you po ang 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.
Maayos ang pagkaka paliwanag mo sir. Thanks
Thank you po and good luck po.
Very understandable ang medium of communication ninyo Sir Fermin.
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.
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.
Ang galing mag explain.. kudos Sir
Thank you po and good luck.
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
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.
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.
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.
galing. napala linaw. salamat coach. try ko sa MP2
Thx s info bro more power s channel mo
all the best and good luck.
Nasagot na dito ang tanong ko sir about pera thanks more power sir
All the best po.
Very clear kang mag explain
Super clear ang comparison.. good job sir! Thank you
Welcome po Joel. Thank you for your feedback.
Wow thank u sa Pag share sir
welcome po and good luck.
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!👍
Hello po, first time ko po kanina maghulog sa mp2 sa pag ibig branch. Ilang araw po bago ito ma post at makita ko sa virtual pag ibig? Thank you po for always answering and more power! Godbless po
Kapag outside po of PagIBIG it will take 1-3 weeks. Kung OTC po kayo naghulog mas mabilis po iyon. Balitaan po ninyo kami.
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.
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.
Awesome video. Thanks for sharing!
Thank you po.
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 🙏
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.
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.
Good day sir. Ask ko lang po, one-time lang po ang deposit ng investment sa PERA o monthly kang maghuhulog? Let’s say 20,000 . The following month maghuhulog ka rin ba? Or hindi na wait mo na ang maturity nito?
Nasa sa inyo po. Walang limit sa ohuhulog bastat huwag lumampas ng P100k sa isang taon.
parequest naman po ng topic... on how to prepare for your retirement salamat po
Noted po Kathleen.
Thanks a lot for giving us knowledge about investing 👍👍👍
Welcome po amd good luck!👍
Great content creator 👍🙏very helpful and comprehensive 👍🙏
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 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.
Bago po subscriber. Parang gusto sila sabay pede po ba un umpisa s amaliit n apuhunan!?
Ang PERA ba sir katulad din ng MP2 na hindi mandatory ang paghulog monthly o kailangan obligado ka maghulog ng pera monthly, tnx po
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 - ruclips.net/video/jCU0D2g_Meo/видео.html
- [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ruclips.net/video/Aea89drtO3c/видео.html
- [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ruclips.net/video/Kd-KXkvdZwA/видео.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.
Wow.
Thank you po talaga sa video na to. Thank you thank you. 😊
Welcome po Girlie and good luck.👍
Madame po akong natutunan God bless 😍
all the best po ang good luck.
Pwede po bang maginvest sa PERA, kung my maliit na tindahan lang? My permit po kami pero wala pong binigay na BIR
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!
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.
Salamat sa info sir nagka interest tuloy ako sa PERA.
Isa po akong OFW dito sa saudi. May 2 tanong lng ako sir...what if 3yrs lng ako maka contribute kasi nawalan na ng traboho ano mangyayari? Second, just incase magka pera ako, pwd ko ba gawing 3yrs to pay lng instead of 5yrs?
Its okay po. I advised na may contribution po kayo sa inyong account kahit once po sa isang taon. 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.
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.
Wow! Thanks for informing us :)
All the best po and good luck.
Very well said thanks sir
Thank you Tam. All the hest and good luck.👍
very informative!
super nice po! thank you!
Dalawa po ang binuksan kong investment. Both MP2 and PERA. Ok lang po ba yun?
Thats good po. All the best po!
@@ofwpower thank you po. Napakahusay niyo pong speaker regarding investments po. More power po sa inyo.
Thank you Ian. Appreciate your kind words.
@@ofwpower Thank you din po. Godbless po Sir.
Hello Sir, sa PERA allowed po ba to invest your money in all 3 (Equity, Bond, Money Market), o isa lang po sa tatlo?
Hi, you are allowed to have up to 5 different types of investments under sa iisang adminsitrator. So pwedeng pwede po ang sinabi po ninyo - equity, bonds, money market at dalawang uri pa po. Good luck.
Thank you Sir for this video
Most welcome
Tanong ko lang po. Kung sakaling mag invest po ako sa PERA saan po ako pwedeng mag apply? Salamat at Goad bless po
Pede po online or directly po sa ATRAM office. Please search po sa internet kung saan ang ATRAM office. Good luck.
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.
thank you sa laging clear ang paliwanag mo sir fermin😊God bless
Welcome po Rosalinda. All the best and good luck.
Salamat po sa mga informative videos nyo.god bless sir.
Thanks Evie. All the best and good luck po.
Hi sir! About sa PERA sir, if 100k per year po yung e invest ko kailangan po ba siya straight yung hulog ko per month until 5yrs or pwede po putol yung months na mahulog ko sir. Tnx!
Pwedeng putol putol po. But na may investment kayo kahit once sa isang taon po, sayang po kasi ang oras.
Kung mag sstart po ako sa pera ngaun 45YEARS OLD qualified pa po ba ako
Opo pwedeng pwede pa po. Good luck po.
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.
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
One time lng po b ang 100 thousand na ideposit at need po bang yearly until 55 y/o..
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.
Thank you sir.
Welcome po
Hello po..thanks for sharing po..malaking tulong..may katanungan lang po ako..nung nag register ako sa MP2..nalagay ko 1000 per month which is 60k for 5 years tenure..ang tanong ko po ay pwede ba ako lumagpas ng 60k for 5 years of span?
Wala pong limit ang MP2. Kahit araw araw 1,000 no problem po. Ang iba po ay Millions po ang kanilang contribution sa MP2. Good luck.👍
Sir kung sa MP2 sa pag ibig, saan po naman pupunta para mag invest sa PERA? Thank you po.
Please watch our PERA videos below for more info.
PERA RUclips Videos
P.E.R.A.
- [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - ruclips.net/video/Aea89drtO3c/видео.html
- [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - ruclips.net/video/jCU0D2g_Meo/видео.html
- [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - ruclips.net/video/Kd-KXkvdZwA/видео.html
- [ ] How to Open PERA Account Online - Step by Step - ruclips.net/video/1WjXVT7PV6Q/видео.html
- [ ] MP2 versus PERA: Part 2 - Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - ruclips.net/video/44miI_8EQsM/видео.html
- [ ] Part 1: Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - ruclips.net/video/JCXZS35OT6k/видео.html
- [ ] What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos? - ruclips.net/video/4yqcFYT5kVI/видео.html
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.
Hello po is it good po ba to open an account in this pandemic time in MP2 or PERA?
it is good to invest and consistently save regardless of market or economic conditions. good luck.
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.
Hello po, may tanong po sana ako. I created an account in Virtual Pag-ibig because I want to track my MP2 savings. Naka tanggap ako ng message na the request was submitted pero i need to wait for another text message to confirm that the account is already activated. Days na po ang lumipas pero wala pa rin akong natanggap na text. How many days po ba usually ma aactivate yung account?
1-3 weeks po to process your request. Hintay lang po.
Very clear sir👍
hi po im new here...thanks for sharing...ask ko lng po monthly po ba ang hulog sa mp2 hanggang matapos ang 5yrs maturity or isang hulog lng then mag wait na sa 5 year maturity?
mp2 is voluntary. Nasa sa inyo. No requirement.
@@ofwpower thanks❤️ good bless you...
@@sitsitlife welcomenpo.
Hello sir! Great content, sending your videos to my friends and colleagues.
Question lang sir, meron din po bang tax credits si MP2? And paano po sila nag iissue ng tax credits? If BPI po ba account ko, mareceive ko from them or mag sesend si BiR on my mail?
Thanks in advance po
MP2 is tax free. There are no further tax credits to be given to MP2 account holders.
@@ofwpower thanks sir for the reply. Then for PERA how are tax credits being processed?
@@dv86_ you need to get in touch with your administrator.
@@ofwpower understood. Thank you sir
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.
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.
Sir tanong ko lang about sa PERA. Halimbawa nag invest ako ng 10years, possible ba na mag zero yung inivest ko?
That happening is very remote. Unless there is a massive economic downturn in which case, there not much safe investment elsewhere. In short, pede mangyari pero napaka unlikely.
Thank you sir.
@@talyer1891 welcome po and good luck.👍
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.
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
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
Hi Sir! Im not yet a member of PAG-IBIG but planning to enroll on January 2021. After 2yrs pa ba ako pwede mag avail ng MP2? Tnx in advance .
Immediately once you become a pagibig member you can open am MP2 right away.
Thank you so much Sir for your reply. New subscriber here. More power on your channel. Investing for my daughter's college tuition fee.
Great! Good luck po.
@@bealuv215 welcome po amd good luck.👍
Good day, Sir! Just in case po the MP2 member dies before the maturity, will the amount invested be subjected to estate tax? Thank you.
I chose to take in MP2 its good and safe
All the best po and good luck!
Good day Sir thanks for the informative videos. Sir tanong lang po 1 month pa lang po aq nakapaghulog sa Pagibig ngayong January pa lang po kaya ko pa hinulugan kasi napanood ko po yung video nyo na sinabi nyo na mas mabuti na active sa P1 para makasali sa MP2 ang tanong q po pwede na Po ba aq maghulog sa MP2 ko po kahit 1 month pa lang aq nakapaghulog sa P1?
Pde n po maam
You can open your MP2 account anytime po, if your P1 is active. Sundan lang po how to open video namin sa ibaba. Good luck po.
PAGIBIG MP2
ruclips.net/p/PLF1GV5jdAKwlm3PARk1Fp8vHiYRPE1ahV
Sir question po, from the formula 55/5 it means to say na dapat po sa loob ng 5years active na naghuhulog ka sa PERA. So after 5years ba sir can i stop na pong maghulog? At antayin ko na lang po na mag 55 ako?
Im 35y.o. thanks
Yes that is correct. 5 years is the minimum number of years na hinuhulugan ang PERA. And make it continuous na rin. Good luck.
Sir please gawa ka video kung papano mag fund sa seedboxpera. Nahingi talaga ng subscription number ang bdo na wala naman binigay si pera. Thanks in advance.
Ok Ram. Let me do that. Noted on this request.
Sir kapag may Mp2 knb at 1 time payment tapos dapat pa rin ba hulugan ang ang Mp1 ng contribution monthly..tnx po
please keep your p1 active para walang maging aberya sa inyong MP2 lalo na kapag i withdraw mo na ito.
Hello sir, question lang po , kailanagan po ba monthly ang pagbayad ng 1,000 pesos ?
Voluntary po ang MP2 nasa sa inyo kelan kayo maghuhulog hastat huwag bababa sa P500 bawat hulog.
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.
Para sa akin na tulad kong cgurista at hindi high risk taker, I go for MP2.😂
All the best po and good luck.
I agree with you po! We're on the same boat. 😃
Sir fermin okay pa ba to invest now 2021? I mean continue pa rin po ba yung mp2 and pera as of now?
Pagdating po sa investing, the key think is to invest in a consistent and regular manner regardless po of the market or economic situation. Good luck po.
@@ofwpower thankyou sir. I just registered online kanina lang po, activated na po ba agad yung account na yun? And pwede na po ba hulugan for this month of feb?
@@catherineng7927 congratulations! if you have the MP2 account number, maaari na po agad hulugan. ma-activate po ang inyong MP2 after your first contribution. good luck po.
@@ofwpower thank you sir, kundi dahil sa video mo hindi pa ko maliliwanagan about mp2. More power to your channel po😊
@@catherineng7927 welcome po amd good luck
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.
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.
Boss yung kunwari withdraw mo sya due to emergency pero hndi pa mature and hndi nagfall sa condition ng pag-ibig. Ibig sbhn ba yung penalties mababawas sa dividends mo or pati din capital mo mababawsan?
Shane yung dividends mo lang po mababawasan ng 50%. Buo pa rin ang capital but only 50% dividends ang mapupunta sa iyo.
Thank you sir for being responsive 😁
Sir Fermin ask ko po,saan po pwede mag member sa PERA?at ano po ang procedures?..thanks po😊
Narito po ang step by step process how to open your PERA account:
- [ ] How to Open PERA Account Online - Step by Step - ruclips.net/video/1WjXVT7PV6Q/видео.html
Good luck.👍
Thank You po Sir! more Power po
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.