Vince Rapisura 2582: Mga mahalagang dapat malaman sa Pag-IBIG Regular Savings o P1
#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com.
How to join SEDPI Coop:
1. Join SEDPI Foundation at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form
2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES
3. Pay membership fee and initial share capital
Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI
Pag-IBIG MP2:
* Watch the play list: https://www.youtube.com/playlist?list...
SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list...
How to invest 100K: https://youtu.be/dxHRZn7uP-4
Celebrity guests include venus Raj (Season 1); Nicole Cordovez and Sinon Loresca (Season 2); Atom Araullo (Season 3) and Porky (Season 4).
Smart Parenting Board of Expert
Vince Rapisura
Run time: 05:43
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00:00.0
Pag-ibig Fund Regular Savings I o yung tinatawag natin na P1 kasi alam nyo po marami ang mga naku-confuse dito eh sa P1 at MP3.
00:11.0
Regular Pag-ibig Savings I, ito ay mandatory ang ating contribution at compulsory for employees and with pag-ibig housing loan, long-term savings.
00:26.0
Pag-ibig P1, 20 years po ang term nito. So kapag nagpamembro ka after 20 years, saka mo palang mawimidro yung P1. In contrast din yung pag-ibig MP2 ay 5 years ang term nun.
00:41.0
Pag-ibig P1 po ay membro na ng pag-ibig na 20 years. So nag-mature na yung aking savings noong 2021. Kaya ang ginawa ko po ay winidro ko siya tapos ni-roll over ko sa pag-ibig MP2 yung amount na yun dahil mas malaki ang interest ng pag-ibig MP2 kaysa sa pag-ibig regular savings.
01:07.0
Ito rin po ay tax-free and 100% government guaranteed. Mandatory ang membership for employees who should be covered by the social security system. Private employees po we should not be over 60 years old to be part of the regular pag-ibig savings.
01:27.0
Ang household helper earning at least P1,000 a month ay mandatory na dapat magpamember sa pag-ibig. Kasama na rin ang mga self-employed persons with income at least P1,000 a month and not over 60 years old.
01:55.0
Kung tayo po ay expat na hindi over 60 years old at compulsory covered by SSS, then tayo din po ay dapat membro ng pag-ibig. Yung mga government employees rin po who are under the government's service insurance system are mandatorily required to become a member.
02:14.0
Yung mga uniformed members ng AFP, BFP, BJMP at PNP ay dapat maging member rin po. Filipinos employed by foreign-based employers ay dapat member. Ito naman yung mga voluntary membership natin. Individual at least 18 years old but not more than 65 years old.
02:36.0
So magkano ba yung ating membership contribution? Kung ang monthly compensation natin ay P1,500 and below, ang employee contribution ay 1% at yung employer contribution ay 2%. Pag over P1,500, 2% sa employee and 2% sa employer. Kaya ang maximum monthly compensation natin for computation shall not be more than P5,000.
03:06.0
So employee P100 lang. Maximum yung makakaltas sa iyo. At yung employer ay maximum din na P100. Ang employee 2%, so P100. Employer 2%, P100. For a total of P200.
03:20.0
Marami naman yung P5,000 na based sa lihit-lihit niya. So para sa akin, dapat siguro itakas-takas din naman ngayon para talagang tayo ay matutong mag-ipon.
03:30.0
So how do we remit our contributions? Pag tayo ay empleyado, ang employer po dapat natin ay automatic tayong kinakalmasan, dinadagdag ang kanyang counterpart, tapos yun ay inire-remit niya derecho kay pag-ibig.
03:45.0
Pwede rin po tayong maglagay sa ating virtual pag-ibig. Pwede rin tayong maglagay sa pag-ibig fund branch natin at sa mga authorized collecting partners katulad po ng SEDP.
03:57.0
So paano natin pwedeng i-top up ang P1 natin? Through our employer, so magsasagmit tayo ng request for upgrading of savings form. Sa virtual pag-ibig, pwede rin natin gawin yan. Sa mga pag-ibig fund branches at sa mga authorized collecting partners katulad po ng SEDP.
04:16.0
Lagi natin tatandaan, we should save and invest as much as we can. Siyempre dapat ay hindi natin pinapabayaan ang ating mga pangangailangan at ang ating mga obligasyon at responsibilidad. At the end of the day, tayo po ay kailangang mabuhay.
04:38.0
Paano naman i-withdraw ang ating P1? Ang maturity nito ay after 20 years, equivalent to 240 monthly contributions. Pwede rin po itong ma-withdraw kahit na hindi tayo nakabuo ng 20 years or 240 monthly contributions. Pagtungtong natin ng 60 or at 65 years old, pwede na natin siyang ma-withdraw.
05:03.0
Kapag tayo rin po ay nag-separate from our service due to health reasons, permanent na tayong aalis ng Pilipinas, pwede ka na rin pong mag-withdraw. Pwede mong withdrawal. Permanent and total disability or insanity. Critical illness of the member or any of the immediate family members.
05:21.0
Member's debt, yan po ang pag-ibig, regular savings o ang tinatawag po na P1. Ako po, si Sir Bane sa ninyong financial huro, nagsasabing ang pagyaman, napag-aaralan at napagtutulungan.
