MP2 versus PERA - Which Investment is Good for You

In this video we will review the similarities and differences of PagIBIG MP2 and PERA (Personal Equity and Retirement Account) so we will know which investment program is suitable for your goal, time horizon and risk appetite.
Here are the time stamps if you wanted to skip to specific sections of your interest.
Introduction - 00:41
Similarities of MP2 and PERA - 00:53
Where is MP2 Invested? - 02:30
Where is PERA Invested? - 03:07
How much can you earn in PERA? - 05:22
How much can you earn in MP2? - 05:45
Which has greater potential return? - 06:01
Who can open MP2 and PERA? - 06:52
How much is the minimum investment in PERA and MP2? - 07:24
How much is the maximum investment in PERA and MP2? - 07:52
Para kanino ang PERA at MP2? - 08:43
Is the return/income guaranteed? - 09:34
Is the capital guaranteed? - 10:01
When can I withdraw my PERA and MP2? - 10:46
Can I withdraw prematurely due to emergencies? - 11:03
Conclusion - 11:52

Пікірлер: 509

  • @rickygicos7180
    @rickygicos71803 жыл бұрын

    Your Vlogs are VERY, Very CLEAR at easy to understand. Walang mga gimmick sa presentation. Walang "yabang" sa presentation di gaya ng karamihang KZread "performances" na over-confident, which is a turn off . May TIME STAMP pa! IKAW NA ANG "LEAH SALONGA" ng Pinoy KZread Vlog :) Keep the consistency and momentum.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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.

  • @edreyes4861

    @edreyes4861

    3 жыл бұрын

    agree 101 %

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@edreyes4861 thanks a lot Ed. good luck.

  • @alphabravo9999

    @alphabravo9999

    3 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@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.

  • @Dionnne09
    @Dionnne092 жыл бұрын

    You just earned a new subs. Thank you for putting all of these. Well presented.

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    Welcome po and good luck. Good to know you benefited on the information presented here.

  • @rhalpjaylordvalenzuela1383
    @rhalpjaylordvalenzuela13833 жыл бұрын

    Thank you for being unselfish on providing the time stamp for each topic! God bless you, sir Fermin!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Its my pleasure po. Welcome Rhalph and Good luck.👍

  • @joelleoj710
    @joelleoj7103 жыл бұрын

    Super clear ang comparison.. good job sir! Thank you

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po Joel. Thank you for your feedback.

  • @virginianunez9448
    @virginianunez94483 жыл бұрын

    Very clear kang mag explain

  • @blasrubenramos3214
    @blasrubenramos32143 жыл бұрын

    Congrats. You have a nice presentation. Clear and concise.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    thank you po ang good luck.

  • @junahermino3499
    @junahermino34993 жыл бұрын

    I love your video sir. Very informative. Ang dami ko pong natutunan. Thank you sir!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Good to hear that. Welcome po at good luck po sa inyo.

  • @swedemartyrsonswade
    @swedemartyrsonswade3 жыл бұрын

    Thank you so much Sir!! more power! 30 and dealing with so much investment options but now my mind is clear on this.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Good to know that po. Good luck.

  • @elmerwowop7983
    @elmerwowop79833 жыл бұрын

    galing. napala linaw. salamat coach. try ko sa MP2

  • @dalisay5558
    @dalisay55583 жыл бұрын

    Maayos ang pagkaka paliwanag mo sir. Thanks

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thank you po and good luck po.

  • @gongadingadon7851
    @gongadingadon7851 Жыл бұрын

    Very understandable ang medium of communication ninyo Sir Fermin.

  • @dabregs
    @dabregs3 жыл бұрын

    Great content creator 👍🙏very helpful and comprehensive 👍🙏

  • @maritesspiodo6381
    @maritesspiodo63813 жыл бұрын

    Thanks a lot for giving us knowledge about investing 👍👍👍

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po amd good luck!👍

  • @rosalindatrinidad8481
    @rosalindatrinidad84813 жыл бұрын

    thank you sa laging clear ang paliwanag mo sir fermin😊God bless

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po Rosalinda. All the best and good luck.

  • @lifejourney6485
    @lifejourney64853 жыл бұрын

    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

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thanks a lot Jhen. Congratulations din po sa inyo. Good luck!👍

  • @MimiVicini
    @MimiVicini3 жыл бұрын

    Such a calming voice. Thank you Sir for all the insights that you have shared with us. 🥰

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thank you po Mimi. I appreciate your kind words po.

  • @mariavictorialanuzga1272
    @mariavictorialanuzga12723 жыл бұрын

    Maraming Salamat sa mabilis mong sagot! Nakapa informative ng mga videos mo at nakakaencourage mag invest!😊

  • @ofwpower

    @ofwpower

    3 жыл бұрын

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

  • @gongadingadon7851
    @gongadingadon7851 Жыл бұрын

    Naintindihan ng mga Tagalog-speaking people. Mabuhay kayo Sir Fermin!

  • @klingklingtv1953
    @klingklingtv19533 жыл бұрын

    Awesome video. Thanks for sharing!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thank you po.

  • @janicejardiolin26
    @janicejardiolin2610 ай бұрын

    I am considering PERA..thanks for this video Fermin.

  • @girlielintua3941
    @girlielintua39413 жыл бұрын

    Wow. Thank you po talaga sa video na to. Thank you thank you. 😊

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po Girlie and good luck.👍

  • @frncesmv
    @frncesmv3 жыл бұрын

    very informative!

  • @mineminesaturn6191
    @mineminesaturn61913 жыл бұрын

    now alam ko na panu gumagana ang mp2 salamat sa information sir God bless..

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po and good luck.👍

  • @youaregood2456
    @youaregood24563 жыл бұрын

    Ang galing mag explain.. kudos Sir

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thank you po and good luck.

  • @eviepacaldo3455
    @eviepacaldo34553 жыл бұрын

    Salamat po sa mga informative videos nyo.god bless sir.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thanks Evie. All the best and good luck po.

  • @teacherwyn8610
    @teacherwyn86103 жыл бұрын

    Wow! Thanks for informing us :)

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    All the best po and good luck.

  • @edwinbalbin2022
    @edwinbalbin2022 Жыл бұрын

    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.

  • @cristinecorpuz8377
    @cristinecorpuz83773 жыл бұрын

    Very clear sir👍

  • @josephjusto
    @josephjusto3 жыл бұрын

    thanks for the clear explanation, i've been investing for both programs.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Great! Good luck po and all the best!

  • @Gyoyo8

    @Gyoyo8

    2 жыл бұрын

    @@ofwpower good day po sir May tanong lang po ako sa PAG IBIG /MP2 pwd po ba mag loan about sa business use ?

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    @@Gyoyo8 no you cannot. PAGIBIG loans are only for housing.

  • @rowspampolina3195
    @rowspampolina31953 жыл бұрын

    Nasagot na dito ang tanong ko sir about pera thanks more power sir

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    All the best po.

  • @janey2562
    @janey25623 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thank you for your kind words.

  • @martinagabriellereyes8893

    @martinagabriellereyes8893

    3 жыл бұрын

    Wala akong masabi kungdi,NAPAKAGALING..

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@martinagabriellereyes8893 Thanka a lot po. Appreciate your kind words po.

  • @icyso12
    @icyso123 жыл бұрын

    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 😂

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thanks a lot po for your kind words. All the best and good luck.

  • @channelwithapurpose
    @channelwithapurpose3 жыл бұрын

    Thank you Sir for this video

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Most welcome

  • @mylenemansing6276
    @mylenemansing62763 жыл бұрын

    Wow thank u sa Pag share sir

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    welcome po and good luck.

  • @merlaabad6863
    @merlaabad68632 жыл бұрын

    super nice po! thank you!

  • @PinoyMoneyMakeoverChallenge
    @PinoyMoneyMakeoverChallenge3 жыл бұрын

    Thank you for this video sir. I've been in a dilemma in choosing the right retirement investing program. This is really helpful!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po, good luck and all the best.

  • @ameliabeltran29

    @ameliabeltran29

    3 жыл бұрын

    @@ofwpower sir

  • @ameliabeltran29

    @ameliabeltran29

    3 жыл бұрын

    @@ofwpower sir maeexpired po ba yung mp2 account after 5yrs.?magfifillup paba ulit o dina po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@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.

  • @mjshoptv3515
    @mjshoptv35153 жыл бұрын

    Very well said thanks sir

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thank you Tam. All the hest and good luck.👍

  • @lipasgutomtvalbiononline8064
    @lipasgutomtvalbiononline80643 жыл бұрын

    Thx s info bro more power s channel mo

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    all the best and good luck.

  • @user-zm6hz8fc6x
    @user-zm6hz8fc6x9 ай бұрын

    Thank you bro...

  • @itsmelyn2603
    @itsmelyn26033 жыл бұрын

    45 na ako, pero sa mp2 na lng ako sir 😊😊, anyway thank u po for sharing. God bless

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Sure, no worries po. Good luck po sa inyo and all the best.

  • @marcokiunisala647
    @marcokiunisala647 Жыл бұрын

    Thank you sir.

  • @ofwpower

    @ofwpower

    Жыл бұрын

    Welcome po

  • @jedidiahmae9431
    @jedidiahmae94312 жыл бұрын

    Madame po akong natutunan God bless 😍

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    all the best po ang good luck.

  • @annalizavale7268
    @annalizavale72683 жыл бұрын

    You are such a good teacher i should say..galing nyo po mag explain..keep it up.thanks.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thanks Annaliza. I really appreciate your kind words. Good luck po and all the best!

  • @gregionborbor6661

    @gregionborbor6661

    3 жыл бұрын

    @@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?

  • @gregionborbor6661

    @gregionborbor6661

    3 жыл бұрын

    @@ofwpower slamat sir

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@gregionborbor6661 welcome po and good luck.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@gregionborbor6661 Yes, pwedeng pwede po para tuloy tuloy po ang kita. Good luck po.

  • @jodelynanggot4105
    @jodelynanggot41053 жыл бұрын

    Thank you Sir

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po and good luck.

  • @jasminevirginiavitto5214
    @jasminevirginiavitto52143 жыл бұрын

    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?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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 - kzread.info/dash/bejne/nHeJkqZrl8KzldI.html - [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - kzread.info/dash/bejne/c5mVmpudote1Y8Y.html - [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - kzread.info/dash/bejne/fZhhrbqkpsfAp6Q.html

  • @justhappy7494
    @justhappy7494 Жыл бұрын

    Thanks Sir

  • @introvertgirl8615
    @introvertgirl86153 жыл бұрын

    Talagang mabagal at malumanay magsalita na tunay namang nakatulong para maipaliwanag nang maayos ang iyong presentasyon mas madaling maunawaan. PADAYON!!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Salamat po.

  • @kathleensavellano8276
    @kathleensavellano82763 жыл бұрын

    parequest naman po ng topic... on how to prepare for your retirement salamat po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Noted po Kathleen.

  • @Doof555
    @Doof5553 жыл бұрын

    thanks po sir fermin

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po and good luck.

  • @shirleybayla796
    @shirleybayla7963 жыл бұрын

    thank you

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po and good luck.👍

  • @sailhighpinas3592
    @sailhighpinas35923 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    All the best and good luck po!

  • @sailhighpinas3592

    @sailhighpinas3592

    3 жыл бұрын

    @@ofwpower thank you so much po sir. Godbless you po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@sailhighpinas3592 Welcome po and good luck.

  • @marizinocando0319
    @marizinocando03193 жыл бұрын

    Napakalinaw 👏👏👏👍 Paki explain din po ng Greek mythology haha joke Lang.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    ok po gawan ko ng video samahan ko na rin ang History of the Roman Empire....LOL! joke lang!

  • @andrescepres4035
    @andrescepres40353 жыл бұрын

    I chose to take in MP2 its good and safe

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    All the best po and good luck!

  • @zusethsalvador674
    @zusethsalvador6743 жыл бұрын

    Thank you po buti nalang nasabi nyo pag 50 plus na mas ok Pag ibig mp2 nalang ako thank you po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    All the best and good luck po.

  • @teacherjireh592
    @teacherjireh5922 жыл бұрын

    Thank you po

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    Welcome po.

  • @paulavasquez2277
    @paulavasquez22773 жыл бұрын

    Hello po sir dami ko natutunan k panood sainyo lalo na sa mp2 God bless 😊

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Hi Paula. Thank you for your kind words. I appreciate it. Good luck po sa inyo.

  • @janveraevangelio8168

    @janveraevangelio8168

    3 жыл бұрын

    @@ofwpower Hi po sir. Can you open multiple accounts po sa PERA. Thanks po. God bless..

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@janveraevangelio8168 yes you can open multiple accounts but only 1 administrator. Good luck.

  • @janveraevangelio8168

    @janveraevangelio8168

    3 жыл бұрын

    @@ofwpower Thank you so much Sir. I learned a lot from you po. God bless.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Welcome po and good luck.

  • @melygambito4093
    @melygambito40932 жыл бұрын

    Yes I like mp2

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    Great!

  • @carlareyes1540
    @carlareyes15403 жыл бұрын

    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

    @ofwpower

    3 жыл бұрын

    PERA - locked in 55 years old and minimum 5 years contribution (55/5 rule) MP2 - locked in 5 years

  • @israelandlukevlog2485
    @israelandlukevlog24852 жыл бұрын

    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 .

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    Welcome po. All the best and good luck po.

  • @bongkiaw1561
    @bongkiaw15612 жыл бұрын

    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 🙏

  • @cathlyndanico1103
    @cathlyndanico11033 жыл бұрын

    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

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Kapag outside po of PagIBIG it will take 1-3 weeks. Kung OTC po kayo naghulog mas mabilis po iyon. Balitaan po ninyo kami.

  • @kyokokyohei9121
    @kyokokyohei91213 жыл бұрын

    Hi, Sir thanks to this... If you could rmmbr isa po ko sa nag ask last time dun sa upload nyo ng vid about PERA... And today mas nalinawan na po ako.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Great! Mabuti naman po at naliwanagan na po kayo. Good luck.👍

  • @jazhvilla7940

    @jazhvilla7940

    3 жыл бұрын

    Tama po alam ntin kung saan nila nilalagay pera hnd ktulad s mga investment n walng ksiguruhan at least kaht konti tubo mkukuha mo .

  • @eliazar22608cisneros

    @eliazar22608cisneros

    2 жыл бұрын

    good day sir.ask ko lang kung may existing loan na matagal nang hind nabayaran.at 22yrs ng member sa pag ibig ay anu po ang mangyari sa contribution at sa status ng member.thanks

  • @badettecroci5613
    @badettecroci56132 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    Please email me po at fermin.valdon@gmail.com

  • @bokgustilo1061
    @bokgustilo10613 жыл бұрын

    Bago po subscriber. Parang gusto sila sabay pede po ba un umpisa s amaliit n apuhunan!?

  • @jpjuliano2008
    @jpjuliano20083 жыл бұрын

    I am quite unhappy with the management fees of PERA and the very small choice of funds available.

  • @axisboise

    @axisboise

    Жыл бұрын

    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.

  • @diamondcs780
    @diamondcs7803 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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.

  • @granny686
    @granny6863 жыл бұрын

    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

  • @evangelineadriano6257
    @evangelineadriano62573 жыл бұрын

    SHARE lang po from MP2 account holder, you can online po via gcash for GLOBE/TM numbers. Thanks po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Thanks Evangeline for sharing. Good luck po.

  • @dv86_
    @dv86_3 жыл бұрын

    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

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    MP2 is tax free. There are no further tax credits to be given to MP2 account holders.

  • @dv86_

    @dv86_

    3 жыл бұрын

    @@ofwpower thanks sir for the reply. Then for PERA how are tax credits being processed?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@dv86_ you need to get in touch with your administrator.

  • @dv86_

    @dv86_

    3 жыл бұрын

    @@ofwpower understood. Thank you sir

  • @Mamaghemvlog
    @Mamaghemvlog3 жыл бұрын

    Idol pa shout nman po😊🙏

  • @Sagit2027
    @Sagit20273 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Ok Ram. Let me do that. Noted on this request.

  • @elnevaayoga119
    @elnevaayoga1193 жыл бұрын

    Hello Sir Fermin , nasa Pilipinas base po b kayo?thank you !!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    No po. Nasa labas po kami ng bansa po naka-base.

  • @roaferrer5965
    @roaferrer59653 жыл бұрын

    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!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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.

  • @juandelacruz6540
    @juandelacruz65403 жыл бұрын

    Ask ko lang po kung pwedeng mag open ng joint account sa MP2 program? Thanks in advance.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    No po. Individual MP2 accounts only for individual members.

  • @josieuy8264
    @josieuy82643 жыл бұрын

    Hello sir Fermin san kami po kaya pwede Mag open ng MP2 account. Thanks po

  • @mustardboy23
    @mustardboy233 жыл бұрын

    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?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Tama po - most of time. But historically bond can go negative but very rarely po.

  • @crisabalos6732
    @crisabalos67323 жыл бұрын

    Para sa akin na tulad kong cgurista at hindi high risk taker, I go for MP2.😂

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    All the best po and good luck.

  • @ezekiel102487

    @ezekiel102487

    3 жыл бұрын

    I agree with you po! We're on the same boat. 😃

  • @Julsdoy
    @Julsdoy3 жыл бұрын

    Hello Sir, sa PERA allowed po ba to invest your money in all 3 (Equity, Bond, Money Market), o isa lang po sa tatlo?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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.

  • @ernestopayotjr5323
    @ernestopayotjr5323 Жыл бұрын

    Ang PERA ba sir katulad din ng MP2 na hindi mandatory ang paghulog monthly o kailangan obligado ka maghulog ng pera monthly, tnx po

  • @lloydabellana5797
    @lloydabellana57973 жыл бұрын

    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!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Pwedeng putol putol po. But na may investment kayo kahit once sa isang taon po, sayang po kasi ang oras.

  • @paulsarabia7775
    @paulsarabia77753 жыл бұрын

    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?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Its okay po. I advised na may contribution po kayo sa inyong account kahit once po sa isang taon. Good luck.

  • @ajm5261
    @ajm52613 жыл бұрын

    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?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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.👍

  • @catherinesuzuki9151
    @catherinesuzuki91513 жыл бұрын

    Good morning po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Happy viewing!

  • @fbcsolanochoir926

    @fbcsolanochoir926

    3 жыл бұрын

    @@ofwpower Gud pm sir.. paano po ung saakin sir GUSTO ko po mag member ng mp2... Bakit hindi ako makapasuk sir? Ano po bang gagawin ko.? Thank you po.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@fbcsolanochoir926 baka down po ang server ng pagibig. please try another time.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@fbcsolanochoir926 try some other time po baka down po ang server.

  • @fbcsolanochoir926

    @fbcsolanochoir926

    3 жыл бұрын

    GUSTO ko po sana mahulog ng lumpsum..

  • @thedragracetea
    @thedragracetea2 жыл бұрын

    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.

  • @Cleomarz1328
    @Cleomarz1328 Жыл бұрын

    One time lng po b ang 100 thousand na ideposit at need po bang yearly until 55 y/o..

  • @sitsitlife
    @sitsitlife3 жыл бұрын

    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?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    mp2 is voluntary. Nasa sa inyo. No requirement.

  • @sitsitlife

    @sitsitlife

    3 жыл бұрын

    @@ofwpower thanks❤️ good bless you...

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@sitsitlife welcomenpo.

  • @eleanoreandres8288
    @eleanoreandres82883 жыл бұрын

    Bless morning po sir .ppano po mag invest sa pera ofw po ako sa cyprus

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    mag open lang po kayo ng account sa pera.seedbox.ph. sundan po ang aming mga videos about sa PERA na nasa ibaba. PERA kzread.info/head/PLF1GV5jdAKwle6gBLsk5w-L8ePIKjRZIW

  • @balenagerencen.844
    @balenagerencen.8443 жыл бұрын

    Sir question po, ang mp2 po ba ay maituturing na money market fund?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    No, hindi po. Iba po ang MP2 sa isang money market fund gaya ng sinabi po namin sa video.

  • @lorilynducusin2304
    @lorilynducusin23043 жыл бұрын

    Hello sir,makukuhako ba ung Ininvest ko na pera na buo upon maturity period pwera ung interest ,like nagbigay ako 30k buo un na makukuha ko pwera ung interest

  • @boogle19ify
    @boogle19ify3 жыл бұрын

    Hi sir, does having an MP2 could add an advantage pg kumuha ng Housing Loan?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    I dont think so po. From what I know, housing loan is based upon your contributions in P1 and your current salary.

  • @abuljihaddumagandar6413
    @abuljihaddumagandar64132 жыл бұрын

    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?

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    Nasa sa inyo po. Walang limit sa ohuhulog bastat huwag lumampas ng P100k sa isang taon.

  • @eleanoreblerma6828
    @eleanoreblerma68283 жыл бұрын

    Ask ko lang, how much is the current interest rate they offering this month?

  • @keent

    @keent

    3 жыл бұрын

    interest rate for current year (there's not monthly interest) is only announced around february - may next year.

  • @bojiam4818
    @bojiam48183 жыл бұрын

    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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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.

  • @bojiam4818

    @bojiam4818

    3 жыл бұрын

    @@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.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@bojiam4818 Thanks Boj. Good luck and all the best.

  • @gintongkaalaman3800
    @gintongkaalaman38003 жыл бұрын

    Gud pm Sir Idol, ang PERA po ba since for retirement sya ay makukuha similar to SSS na ibinibigay monthly Or lump sum?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    You have the option po for lumpsum or partial liquidation once you comply with the 55/5 rule. To need to liquidate (sell) to withdraw money from your PERA.

  • @gintongkaalaman3800

    @gintongkaalaman3800

    3 жыл бұрын

    @@ofwpower Thank you so much po for a quick reply.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@gintongkaalaman3800 welcome po and good luck!👍

  • @bunsoy5934
    @bunsoy59343 жыл бұрын

    @ofwpower magkano po ang minimum contribution sa PERA kasi hindi ko kaya ang maximum na 100k. salamat po

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Minimum po ay depende sa klase po ng investment. May P500 at may P1,000 din po. Anytime pwede naman po itong dagdagan po. All the best and good luck po.

  • @jessasonza8578
    @jessasonza85782 жыл бұрын

    Hello po is it good po ba to open an account in this pandemic time in MP2 or PERA?

  • @ofwpower

    @ofwpower

    2 жыл бұрын

    it is good to invest and consistently save regardless of market or economic conditions. good luck.

  • @gracedj2461
    @gracedj2461 Жыл бұрын

    Pwede po bang maginvest sa PERA, kung my maliit na tindahan lang? My permit po kami pero wala pong binigay na BIR

  • @rjadepogichannel8476
    @rjadepogichannel84763 жыл бұрын

    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,.

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Hindi na hihintayin ang 5 years, automatic ang iyong legal heirs ang makkkuha ng lahat ng iyong savings P1 at MP2 batay sa batas.

  • @sevenangels9723
    @sevenangels97233 жыл бұрын

    Ser, thanks for sharing, i am now 50 years old, what would u advised?, can i withdraw at PERA until i am 60 years? In case? Or is it just until 55 yo only?

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    Minimum 55yo so you can withdraw. Pede kahit anong edad above 55yo.

  • @sevenangels9723

    @sevenangels9723

    3 жыл бұрын

    @@ofwpower Thank you po!

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    @@sevenangels9723 welcome po.

  • @anabellerosales4224
    @anabellerosales42243 жыл бұрын

    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?

  • @renabellsangalang2354

    @renabellsangalang2354

    3 жыл бұрын

    Pde n po maam

  • @ofwpower

    @ofwpower

    3 жыл бұрын

    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 kzread.info/head/PLF1GV5jdAKwlm3PARk1Fp8vHiYRPE1ahV

Келесі