I've followed so many KZread Influencer, Sir. Fermin, kayo lang po ang pinaka detailed na magpaliwanag. Keep on uploading po, More Power!

@ofwpower

3 жыл бұрын

Thanks po and good luck.

@KAGITARISTA

3 жыл бұрын

kaya nga thank you po talaga sir fermin idol kopo kayo at napakalinaw ng paliwanag nyo mabilis maintindihan direct to the point walang paligoy ligoy...

@ofwpower

3 жыл бұрын

@@KAGITARISTA thank you very much po. I really appreciate your kind words po. Ingat po kayo palagi.

@jackcollado360

2 жыл бұрын

Agree!!!!

@janvagabond985

2 жыл бұрын

There's Vince Rapisura, he also one of the best financial gurus.

Ang galing nang explanation, mahinahon at slowly, ang galing kaya thumps up ako sayo

You are really amazing sir, the way you explained it...its very easy to understand. I'm glad i found your channel. Thank you for sharing your knowledge about investing.

If you're 45 years old and below, I suggest that you get the equity fund, because its for long term.

@ofwpower

3 жыл бұрын

Fully agree Joshua.

Thank you so much Sir for your detailed and clear explanation of PERA, this helps me a lot and I learned something about PERA😍

Wow! Thank you again Sir Fermin! New learning nanaman ito Big help po. May video na po ba kayong step-by-step how to open P.E.R.A Account? And video update po kung nakapag invest na kayo sa P.E.R.A? Thank you po ulit. More poer and God bless

Thank you for this video, sir. Very informative. Waiting po for the follow-up videos. More power!

@ofwpower

3 жыл бұрын

Opo pasensiya na po kayo at medyo busy po tayo. Welcome po and good luck.

Maraming salamat sir! Klarong klaro po ang explanation.

@ofwpower

3 жыл бұрын

Welcome po Ana and good luck.👍

Good presentation sir, it's clear and helpful for everybody, but reduce a little bit your speed in explaining something, para mas clearer sir. Thanks.

Salamat po sa mga videos nyo,sir.

salamat po sa shinishare nyo pog kaalaman! alam ko pong d madaing gumawa ng mga ganitong klaseng video.thumbs up po!

@ofwpower

3 жыл бұрын

Thanks for your kind words. All the best.

Ngayon ko pa lang na panuod. Maraming salamat sir

@ofwpower

3 жыл бұрын

Good luck po and enjoy.

You are so amazing Sir! I never heard of that "PERA" until I check your video. Thank you so much & God bless.

@ofwpower

3 жыл бұрын

thanks and good luck.

GOOD MORNING FROM ABUDABI.WELL EXPLAIN SIR FERMIN👏👏👏KEEP IT UP AND GOD BLESS YOU

@ofwpower

3 жыл бұрын

Welcome Rey and all the best.

Salamat po sa topics na ito , now ko lang nalaman ito

@ofwpower

3 жыл бұрын

Welcome po and good luck.👍

Kodus! for explaining it very clearly!

salamat po sa malinaw at kalmadong paliwanag Sir!👍

@ofwpower

3 жыл бұрын

Welcome po.

Very informative! Thank you for this! Keep making videos like this. Kudos!:)

@ofwpower

3 жыл бұрын

Thank you! Will do! Good luck po.

Very clear magexplain naiintindihan ng zero knowledge sa mga investments na ganyan like me..step by step talaga ty very much

@ofwpower

3 жыл бұрын

Good to know that po. Good luck po.

Thank you so much po sir Fermin👌 madali Kong naintindihan Ang inyong explanations at sigurado na po ako ngayon Kung saan ko po dapat i-invest Ang aking pera for retirement.

@ofwpower

3 жыл бұрын

Wow, all the best po and good luck!👍

more power po ,ang linaw po nyong magpaliwang..very imformative

@ofwpower

3 жыл бұрын

Welcome po and all the best.

I invested sa Mp2 way back then dahil sa video nyo about it, now I'm just learning din ung P.E.R.A. Di ko rin inexpect na ganun palang kakaunti ang nag iinvest dito. Good financial vehicle din to para sa retirement fund ko. Again, thank you for this informative video.

Thank you again very informative

Pwede po paexplain yung about sa tax credit? What if working sa private sector and yung company yung nagbabayad sa BIR ng Tax withheld, pano magagamit yung tax credit?

Thanks sir.. Well explained.. More videos for this topic

@ofwpower

3 жыл бұрын

Good luck and noted on your request.

I like the way you explained Sir, Direct to the point. Walang mekus mekus!!

thanks so much po...malinaw, simple po ang pagkakaexplain nyo kaya po madaling maintindihan. mag invest ako sa PERA. thanks po and God bless

@ofwpower

2 жыл бұрын

Welcome po and All the best po!

thank you so much sir sa info.godbless

@ofwpower

3 жыл бұрын

Welcome po and good luck.

Thanks sir Fermin. Very detailed

@ofwpower

3 жыл бұрын

Welcome po and good luck.

Very detailed explanation .. Good job

@ofwpower

3 жыл бұрын

Thanks a lot. Good luck po.

thank u for this.. you explained it very well.. im planning to open mine this year.. i didnt know this before.. im one of the lucky Filipino today..God Bless

@ofwpower

2 жыл бұрын

Wow, good to know that po. All the best po.

Ang taas naman return ang liit ng actual minus inflation.

Thanks you Sir. For your new informative video.

@ofwpower

3 жыл бұрын

Welcome po and good luck.

I need this one. Thanks for the information.

@ofwpower

3 жыл бұрын

Good luck.👍

sir sobrang thank you po .so helpful po ito para sa amin..

@ofwpower

2 жыл бұрын

Welcome po Arfil. All the best and good luck po.

Thank you for well explained financial product coming from the government, Millennial po ako, and I have been exhausting my money to luxury brand and gadgets na in long time mag expire na din. Thinking that would be a good investment (in which I am very wrong). I go to precious metals (Gold) pero not enough due to exorbitant and bloated prices of those makers, parang di lang precious metal ang binili ko pati brand nag jewelry store. I just know this today, I am already attune to BDO PERA program nag enroll na ako. Gonna spread the news sir! Kudos!

@ofwpower

3 жыл бұрын

That's awesome @Neil. I am very happy and proud of your progress. All the best and good luck in your journey.

That's compounding for you that's why time in the market beats timing the market

@ofwpower

2 жыл бұрын

Agree.

New subscriber here Sir,para maka-gain ng kaalaman about investment or panu maalagaan Ang income here in abroad at may mainvest din before mag retire..

@ofwpower

3 жыл бұрын

Awesome! Good luck Joyce.

Napaka klaro thanks

@ofwpower

3 жыл бұрын

thanks and good luck.

Thank you Sir!very informative.make a new video poif may update about PERA. Godbless:)

@ofwpower

3 жыл бұрын

We will. Good luck.

Thanks for this video! Interesting investment with tax benefits! Since mga mutual funds po ang mga type of investment, mgkano po management expense ratio (in percent) ? paano po ito ibabawas every year, base on total investment cost or total market cost?

@ofwpower

3 жыл бұрын

Expenses in mutual funds are already reflected in the NAVPS. They are based on total AUM asset under management. AUM is the total collective money of all investors in the mutual fund. So if the total money is P1Billion and the total expense ratio is 1%, then P10million is deducted from the find every year - may kita man o wala ang fund. The P10million is accrued daily and reflected in the NAVPS of the fund at the end of each trading day. Good luck!

Very clear po 👏👏. Sir Fermin, ff up question lang po, with the 5% tax credit, does it mean we just need to present it with your employer here in the Phils to avail?

@ofwpower

3 жыл бұрын

Not so sure about this. But yes, please let your employer know and maybe you need it to be submitted to BIR if na deduct na po lahat ng taxes ninyo.

Thank you so much for this valuable information, sir! I'm a first-year accountancy student and I learned a lot in this video that is aligned in my accounting and law subjects!

@ofwpower

2 жыл бұрын

Good to know that Jonathan. All the best and good luck po.

@BattleSymphony349

Жыл бұрын

@@ofwpower Saan at paano mag apply sir? under sa BSP to sir not landbank or pag ibig?

Thank you for the info.

Hello Sir! Napakagaling nyo po, mabilis po maintindihan. Btw, sa kalagayan po ng economy ngayon, maiaadvise mo po ba ang PERA? O better mag business? Can you compare PERA and MP2? Thank you so much!!

@ofwpower

3 жыл бұрын

Thanks po DWT. I will note on your request po. Pagdating po sa investments, you dont wait for the "RIGHT TIME". Today is the right time. The business climate is very risky in my opinion.

Very well explained

@ofwpower

2 жыл бұрын

thanks Chin. all the best and good luck.

Galing ni sir magpaliwanag

Salamat sa kaalaman po

@ofwpower

2 жыл бұрын

welcome po and good luck.

salamat po sir. may natutunan po..

@ofwpower

3 жыл бұрын

Welcome po JA and good luck.👍

Dami ko pong ni follow na nga mga nagtuturo ng financial literacy at investments pero kayo lang po ang maliwanag at naiintindihan ko..thank u po mentoring sir. Araw2 ko po kayo pinapanuod.

@ofwpower

3 жыл бұрын

Thank you po. I really appreciate your kind words. Its good to know po na may napupulot po kayong aral sa ating channel. All the best po and good luck.

@nancyespina846

3 жыл бұрын

same din po sir paulit ulit ko po pinakikinggan at pinapanood mga videos niyo more power and more videos to upload pa po God bless..

@ofwpower

3 жыл бұрын

@@nancyespina846 thank you Nancy. Sana may natututunan po kayo. All the best po and good luck.👍

ito dapat tinuturo s school... elementary p lng sna tinuturuan ng mga ganito...

@ofwpower

2 жыл бұрын

thank you po.

Very informative , Thanks Fermin ! napagaling mo magpaliwanag .

@ofwpower

3 жыл бұрын

Thanks Rowena. All the best.

Magaling la sir mag explain.

@ofwpower

2 жыл бұрын

thanks a lot Gemmo. good to know that. good luck po.

For me the best pa rin ang Mp2. Thanks anyway for sharing your ideas about pera.

salamat po dito sir, na re-kindle tuloy yung aking seedbox na hindi matuloy tuloy, (di kasi nagpproceed dati) pero ngayon ay ok na ang seedbox,

@Layput

2 жыл бұрын

Don't invest in PERA. It is not good. Invest in MP2 better

Watching it again after the live show.

@ofwpower

3 жыл бұрын

Thanks Jon. Enjoy watching po.

@joycediamante263

3 жыл бұрын

Sir,how to invest PERA po ,dito ako sa Singapore now..saan pde maka-invest dito? Thanks po kung masagot..🤗 More power to your channel

@ofwpower

3 жыл бұрын

@@joycediamante263 you can go to lucky plaza and inquire sa BPI or BDO branch nila diyan. Pwede rin po kayo magopen online thru pera.seedbox.ph ng ATRAM. Gagawa po kami ng video ukol dito. Good luck.

Salamat po sir Fermin

@ofwpower

3 жыл бұрын

Welcome po Luis.

Sir ang galing nio mag paliwanag more power and god bless you.

@ofwpower

3 жыл бұрын

thanks Mae. good luck po.

@melodiegicana6744

3 жыл бұрын

S Hi sir. The new viewer here. Thank you and god bless more to your very informative vlog. Ask ko lang po. Sa Pera po lumpsum na 100k or 200k every year, wala pong monthly unlike sa mp2 po na available ang different contribution if ever hindi afford a yearly lump sum.( It's just my Clarification). Thank you again.

@ofwpower

3 жыл бұрын

@@melodiegicana6744 hindi po. Sa paghuhulog depende kung ano ma afford po ninyo. Good luck po. Hindi kailangang 100k agad.

Sir follow up videos please po🙏 Nka 7 videos po ako this morning while preparing breakfast ng mga amo keep it up. Super inspiring po tlga mga videos mo

@ofwpower

2 жыл бұрын

wow, thanks for your support Leennn. will do that so please watch out.

Thnks

Please discuss the risks... chances that meager interest shall be earned and even the chance of losing a portion of one's investment.

@ofwpower

3 жыл бұрын

You youre risk averse, Equity Fund is not right for you. You will know Your risk profile upon enrolment.

Nice video dagdag kalaman

@ofwpower

3 жыл бұрын

Welcome po and good luck.

Watching from Bacoor, Cavite.

@ofwpower

3 жыл бұрын

Enjoy watching po.

Sir, ask ko lang po if kamusta na po ung PERA account nio up to this year 2021? May mga new info po b kau na nalaman? Salamat po

Salamat po ..

@ofwpower

3 жыл бұрын

Welcome po and good luck.

Hi sir! Question lang po. Pwede ba yung less than 100k/year and ung mga naghahawak (bdo, bpi, atram) ay tumatanggap ng auto deduction sa debit account (parang eip ng bdo)?

Ang Ganda po sir , kaya lang 53 yrs. old na ako , its too late na 😞

@ofwpower

3 жыл бұрын

You can still invest - if you want.

Well explained po

@ofwpower

3 жыл бұрын

Thank you po and good luck.👍

I hope someday may enough na akong pera para makapag start na akong mag invest napaka importante po talaga ang mag invest pra po di magiging kawawa pag matanda na God bless po..always here waiting for your uploads

@ofwpower

3 жыл бұрын

Awesome! Thanks Ella. Good luck po amd God bless.

@argailarnisto5493

3 жыл бұрын

Yes ako ngstart ng Mp2 at SSS

@ofwpower

3 жыл бұрын

@@argailarnisto5493 good luck.

Thank you talaga ka Fermin. Laki talaga ng tulong mo sa amin

@ofwpower

3 жыл бұрын

Youre welcome po Ka Joel. Ingat po kayo palagi and God bless. Anong lokal po ba kayo?

@kajoelbasas

3 жыл бұрын

Lokal ng Pyeongtaek po. Remember BTP. Band Together Pyeongtaek hahaha

@ofwpower

3 жыл бұрын

@@kajoelbasas awesome! Wow! I like all your renditions po. All the best po Ka Joel. Ingat po kayo palagi and regards po sa ating mga kapatid diyan.

salamat po sir sa info. hopeless case na po pala ako na mag invest sa PERA 55 yrs old na po ako sayang😒

@ofwpower

3 жыл бұрын

You still can po Ate Estelita. Everyine can. You just need to contribute for 5 years to take advantage of the tax free incentives.

Ngayon ko lang din nalaman.

@ofwpower

3 жыл бұрын

Good luck po.

Thank you for sharing your knowledge to us sir. It's not a waste of time na pinanood ko po ito. Naka 3 videos nyo po ako today. May video po ba kayo comparing PERA and UITF. May UITF na po kasi ako sa BPI. napansin ko parang same lang yung PERA at UITF.

@ofwpower

3 жыл бұрын

You can view our videos on PERA po. Hope this will answer your questions. Enjoy! P.E.R.A. - [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - kzread.info/dash/bejne/c5mVmpudote1Y8Y.html - [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - kzread.info/dash/bejne/nHeJkqZrl8KzldI.html - [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - kzread.info/dash/bejne/fZhhrbqkpsfAp6Q.html - [ ] How to Open PERA Account Online - Step by Step - kzread.info/dash/bejne/Y4ueuriNZ7O8ZrQ.html - [ ] MP2 versus PERA: Part 2 - Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - kzread.info/dash/bejne/Zmihy6uYaKi3o7A.html - [ ] Part 1: Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - kzread.info/dash/bejne/fHeMvLVsZbK6Zs4.html - [ ] What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos? - kzread.info/dash/bejne/Zq2lxaiShJjRhqw.html

@lyshan12

3 жыл бұрын

@@ofwpower Thank you po!

@ofwpower

3 жыл бұрын

@@lyshan12 welcome po.

Ayos👍

Kasama na po ba sa hypothetical computation po un 5% income tax credit? Salamat po! Very informative po itong video mabuhay po kyo sir!!👍🏽👍🏽

@ofwpower

3 жыл бұрын

Hindi po kasama diyan ang 5% tax credit. Ibang benefit pa po iyon.

Thanks sa insert nitong P.E.R.A For me mas ok pa rin pala ang COL. Ayon sa aking nakikita. 😊

@ofwpower

3 жыл бұрын

Watch out po of our upcomimg PERA videos.

@efrenocampo6578

3 жыл бұрын

Magkanu po dividend?

@ofwpower

3 жыл бұрын

@@efrenocampo6578 depends on thr type of investment.

Salamat po

@ofwpower

3 жыл бұрын

Welcome po and good luck.👍

Sa BDO, 1% po ang management fee and 50 peso trust fee per transaction. However I was charged 1% on the initial contributions, the following two top up has no1% charge only 50 pesos 🤩

@ofwpower

3 жыл бұрын

Thanks Liza.

I saw this video and it inspired me to choose PERA to invest and save for my retirement. My experience in opening an account is a bit disappointing. The 15 minute video call became 3 minutes and I was just told that I will receive an email for further instruction. Lo and behold, I learned that my request has been declined due to missing/incorrect settlement info. This is something that I should have been informed from the video call. Then when I updated the required details I have to go through another call. It's just unfortunate that I work night shift and I have to wait another hour and a half to get this done. Very disappointing. Sana natulog n lang ako. Also, I tried their live chat, no one is responding. Hope this helps esp.those folks n night shift din ang work. Baon kayo ng patience aside from pagpipigil sa antok. Maybe in the future they will improve their process and make it more convenient so more Filipinos will take time to invest in PERA. Edit: PERA verified my account after the update I did and wala na video call. Thank God pwede na matulog ng mahimbing 😆

@ofwpower

3 жыл бұрын

sorry to hear your bad experience. but then congratulations pa rin po! good luck!

Thank you

@ofwpower

3 жыл бұрын

Welcome po and good luck.👍

Good day sir panu po mgapply s PERA at mgkanu po hulog monthly ...Thanks po...stay safe us all....

now ko lng napanood e2.salamat sir sa info..kaso need tin number.hirap kumuha pg ofw

@ofwpower

2 жыл бұрын

Pwede po kayo patulong sa inyong mga kamag anak sa Pinas.

gonna try this

@ofwpower

3 жыл бұрын

All the best and good luck po.

Good day! Thank you sa malinaw na pagkaka explain.. Question po, automatically po kasi nakakaltas ang PERA sa amin as stated po sa payslip. Paano po namin malalaman kung saan po ito nainvest since hindi po kami yung voluntarily na naghulog.. Gov't employee po ako.. ☺️

@ofwpower

3 жыл бұрын

Congratulations po. You need to ask your HR or Finance po about the detailes of your PERA investment. Sa pagkakaalam ko po kayo po ang dapat magsasabi kung saang investment ninyo ito ilalagay. Good luck po.

Salamat kaayo sa tips

@ofwpower

3 жыл бұрын

Good luck po and Ingat po Dodoy.

Good day po. Meron po ba Front end load at Back end load ang PERA? At kong meron po, magkano po? Maraming salamat po sa mga informative video. God bless you more po.

@ofwpower

3 жыл бұрын

You need to check for the specific type of investment you want to invest in.

Sir Namiss ko po kayo! I mean Namiss ko po kayo panuorin. ☺️ Dahil sa inyo nakapag-invest ako sa MP2. ☺️

@ofwpower

2 жыл бұрын

Wow, welcome back po Jack. Ingat poz

More videos for PERA po like ano-ano ang mga investment products sa PERA account thru seedbox? among the investment products, ano mga cons and pros nito? detailed review every investment products available in PERA including expense ratio. Maraming salamat po! more power!

@ofwpower

3 жыл бұрын

Noted po. In the future po.

@fidelcalderon1918

3 жыл бұрын

Salamat po. Malaking tulong po ito para sa mga tulad namin. Dagdag na impormasyon pa po. Salamat ulit.

@ofwpower

3 жыл бұрын

Welcome po Fidel and good luck.

ang ganda nitong magiging passively income para sa atin, BUT ako po'y 55 yearsold na bago ako makauwi sa Pinas dahil sa pandemia ito. I have a dual citizen, at walang question dyan. Mas gusto ko pong umuwi sa Pinas kong ayaw ko ng mag trabahu. Peudi pa kaya ang 55 years old? Salamat sa mga kasagutan.

Thanks Fermin

@ofwpower

3 жыл бұрын

Welcome.

Thank you Sir, dami kong natutunan. Question: San po kaya maganda mag-apply / inquire about DIGITAL P. E. R. A

@ofwpower

3 жыл бұрын

please apply online sa pera.seedbox.ph Sundan po ang isa po naming video. Kung may tanong po kayo please email ATRAM.

@miam.7184

3 жыл бұрын

@@ofwpower ano po ba uunahin, magapply online or magpunta muna sa administrator?

@ofwpower

3 жыл бұрын

@@miam.7184 same lang po yun - just apply online as what we said in our video.may step by step video po kami na ginawa.

Sir yung contribution per year kelan mag start yun? Simula ba sa pag open mo ng account or kung kelan nag start yung program?

I have been watching for a while, at ang dami ko nang natutunan. Thank you sir! Question po. In the context of investing; If you have an extra 1Million pesos cash today, what would you do with it? Buy Land(property) or invest in PERA or MP2?

@ofwpower

3 жыл бұрын

Assuming you will never touch the investment money for any reason whatsoever If time horizon is very long more than 10 years, 80% pera , 20%MP2. If time horizon is 20years or more, 100% pera. Unfortunately, you can only invest P100k maximum in pera. So youd be better off investing in Index Fund outside of PERA after maximizing the cap in PERA.

@GhostedStories

3 жыл бұрын

@@ofwpower makes sense, thank you!

@ofwpower

3 жыл бұрын

@@GhostedStories all the best po. I forgot to tell you i wouldn’t invest in real estate due to liquidity challenges and the very lack of diversification. Hope you understand what i mean. Good luck po.

@GhostedStories

3 жыл бұрын

@@ofwpower yes, liquidity could be very challenging. Thank you for your help, I appreciate it.

@ofwpower

3 жыл бұрын

@@GhostedStories all the best po and good luck.

first sir fermin!

@ofwpower

3 жыл бұрын

Wow! congratulations. Parang inaabangan po ninyo ang ating video. Hahaha... Ingat po.

Hello Sir, i have inquiries and I hope you could give answer and some examples. 1. Once I reach 55 yrs old, i would like to know if I can get a monthly income out of my pera account instead of lump sum? 2. If monthly income is possible, i would like to know about how much will I get (e.g. i contributed for 10 years with annual deposit of 50K)? 3. Which one do you suggest, lump sum or monthly income? 4. Which one can provide higher monthly, SSS or PERA?

@ofwpower

3 жыл бұрын

Hi Allan, here are the answers to your questions: 1. Nasa sa inyo po. You can withdraw everything or you can withdraw partially. You can do it monthly, quarterly, yearly, nasa sa inyo po. 2. Depends how many shares of your investment you want to sell/liquidate. 3. It really depends upon your needs at the time of withdrawal. Nasa sa inyo po. You have liberty how you want to withdraw your investment. 4. PERA is a better investment than SSS. Good luck.

slmat sir fermin..😄😄😄

@ofwpower

3 жыл бұрын

Welcome po and good luck.

I am a permanent residence in japan I am interested to open an account can u give me a link how to register. I’ve been watching videos about investments sometimes now but yours is the most outstanding at napakadaling intindihin. Most of all no background music will be helpful. Keep up the good work.

@ofwpower

3 жыл бұрын

Hi po. To open your PERA account please visit this link: pera.seedbox.ph/#/ Go main menu and click sign-up. You can also follow the steps we show in our video below. PERA kzread.info/head/PLF1GV5jdAKwle6gBLsk5w-L8ePIKjRZIW Good luck po and thank you very much for your kind words.

Sir question po. Monthly po ba itong hinuhulugan or kelangan one time annual payment of up to 100k ang kelangan? Thank u po

How about sir for example. I've been working overseas, after the nth year bumalik ako Ng pH Will will my contribution still 200 per annum.

@ofwpower

3 жыл бұрын

You need to ask your administrator if you need to update your status.

Update po! 😊 just discovered this. More insights po sana or updates sa PERA