Cheers to those who are making an effort to take control of their investment portfolio. I myself am doing DIY investment series to optimize my portfolio strategy after realizing that 100% stocks is not for me during this pandemic. Managing your portfolio should be doable for common adulting professionals like us so I will be attempting to create a blueprint on a simple portfolio management strategy.
Simple Tip: Create MP2 account yearly so after 5years, you can actually transfer all your funds from your first MP2 and transfer it to the second account that will mature after 1year.. then rinse and repeat.
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
People believe their currency has the worth it does because they have no other option. Even in a hyper-inflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
@@Wellingtonluzia3 You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season.
@@desmondeddy1750 How can I reach out to this coach? because I'm seeking for a more effective investment approach How good is this person at portfolio diversification, particularly with regard to digital assets?
I don’t know how, but you’ve been able to package an unbiased analysis that is more entertaining than the sensational segment of the economic and financial news, thank you for your effort to be the signal and not the noise, I had to get an expert, Sir Eric Arlto to manage my trades as I have no skills for that, my account has been growing up to 7- 15 % weekly depending on market conditions and this is the sixth month for me
kudos to you, this is a more realistic building block to start with, I understand little to my knowledge on stocks but look forward to investing for income
I really love how you clearly explain everything about MP2. This is very educational. Hope you continue creating videos like this. It's really helpful! You're near 100k!
This is my 1st investment MP2 is great actually I have 200k on mp2 not to brag because mp2 is good for conservative investor like me that are willing to take small risk with good returns.
i've been working for more than 5 years now and adulting is really hard. ive heard a bit about MP2 but super duper thanks that i came across by your vlog and i am educated. it wont harm me to initially invest 500 php. i will definitely push for this
Very informative. Ngstart ako 2017. Mag 5yrs nrn at mkkpgwithdraw nxtyr. Pro ilulumpsum ko ung mawiwithdraw at gagawa ng another account sa mp2. D hamak masmaganda mg time deposit dto kaysa banko. 😁
I hope you will also make more videos about stock market since most of your investments are placed there. Like what PH stocks did you buy, which stocks have high dividends since I am a newbie in PH stock market, it would be a great help. I love how you make your videos because they are always easy to understand 😊
I started 2019 MP2. I ventured in stocks also before. I lost my money in stocks. Didn’t know how to invest. I’m glad I put some before at MP2 so I didn’t lost everything. If you don’t want to take risks, MP2 is a good investment. Just remember it’s locked in for 5 yrs.
My tutor is "mr peter, I watched a news interview on where he was featured during an IPO and spoke proficiently, caught only he name and did a search later online.
OMG,.im glad to see someone finally on youtube who employs Mr peter trading strategies. He personality draws me in and find myself reading All of he articles from now. he's great to follow if you're looking for a new approach on growing your crypto knowledge.
Well explained, awesome Blogger, Thanks so much! Yes, your video help me understand fully the MP2 program - great job! Please continue to create more informative videos! God bless :-)
The more i watch the videos the more i have a lot of ideas of savings and finding an investment. Thanks for this wonderful information, it was clear and very helpful. 😊🤑
Hello! Can you also create a video explaining SSS and/or PhilHealth? Hindi ko po kasi masyado maintindihan yung videos na gawa ng iba, ang galing nyo po kasi mag-explain that's why I always watch your videos and hoping na sana meron na for SSS or PhilHealth topics. Sana mapansin to huhu ❤
Thanks so much for this po. I have Pag-ibig number but waiting to get employed. Thanks a lot for this video, now I know I can still save and invest pala sa ganito kahit di pa ako employed. 🥺🙏
Isn't it only 100 if you're unemployed or a student? It's 200 for employed members because it's 100 from your employer then 100 from you. But if you're not employed, then it's only the 100 from you. This is what I know at least haha
Here for another year of savings let's be practical and financial intellectuals this 2022 🙏 medyo lito ako bago ako mag go sa annual and 5yr term buti yr vlogs
This was such a helpful video for me because I never lived in the Philippines until now and it's so important to know these different government agencies. Salamat!!
Oh this is a good explanation! I've been hearing also na mas maganda na mag-lump sum investment in Pag-Ibig MP2 vs. monthly contribution. Thanks Charm!
@@CharmdeLeon maam may tanong po ako wala kc akong headset, ang 500=100 ang tutubuin tama po ba, paano kung every payday (twice a month) mag add ka ok lang ba iyun or sa isang buwan isang transaction lang?
This is good advice I opened my MP 2 account few yrs. ago but never invest a single cent po "second thought" attack po kasi now I know I will have to do it now without Hesitations 🙏🙏🙏🙏Thanks
Thank you so much for sharing your knowledge to us. I've learned a lot from your channel as newbie in investment stuff... I feel like your my personal coach online. Your better than other speaker I've known, well- explained contents, full of info and easy to understand for beginner. More power to your channel and God bless to you more !
Thank you so much. You're helping a lot of people. You explain clearly and precisely. You're more than a friend by sharing this important details. Keep up the good work!👍👍
Hi!! I really loved this vid. Made me curious about it and did my own research just to find out that MP2 is really amazing. If I may ask... is it practical to make a loan with low interest payable in 2yrs for MP2?
Salamat ng madami, napaka informative nitong vid na to lalo na sa mga gaya ko na na nasa 20's palang. Helped me a lot. Hope you make more vids like this. ❤️
Thank you so much, maam! I am a working student and I have been watching videos from different channels about MP2 Investment and yours is very detailed. I am starting to invest at least 20% of my monthly salary through PagIbig. Could you do the GCASH GInvest on your next video maam? Thanks!
advance congrats..road to 100K...all your contents were presented very well and nice edits also...no surprise that this kind of channel will hit 1M+...edits, audio/video quality, narrations, phoenetics, infographics, sequencing etc were very well thought of..credits to your video editor and production team... keep vlogging and Be Safe always...👍 👍 🌟 🌼 🌟
Great content and you earned another subscriber. May I suggest lang na never wear thin-striped clothes on camera kasi nakakahilo sya tignan. It creates moire patterns. More power to your channel!
I have several questions. 1.) Halimbawa, gusto ko maghulog ngayong buwan ng 6k tapos sa sunod na buwan, 5k. Allowed ba yon? Atsaka pwede ba ako maghulog araw araw ng 200 pesos para mabuo yung 6k? 2.) Magkano kaya ang tutubuin ko per year? tapos monthly ang hulog? 3.) Can I reinvest the same amount of money to the same account in mp2?
1.) yes; 1.a) Atsaka pwede ba ako maghulog araw araw ng 200 pesos para mabuo yung 6k? -> No minimum 500 pesos 2.) Nasa video ang spreadsheet, basic compounding interest lang po yan 3.) Can I reinvest the same amount of money to the same account in mp2? -> mejo vague ang question nyo
Hello po. I appreciate your vision on giving insight about something like this. But may I just correct you about the Regular Savings (P1) - P1's shortest term is 15 years not 20 yrs for maturity of the program. Way back before there was also 10 years but its now applicable. 15 years is an optional withdraw of the member's savings. And for the MP2, as with the new system being used in Pag IBIG, even you have created several accounts for MP2 like just what you have mentioned 5 accounts, Pag IBIG consolidate it into one account especially MP2 have only 5 years to mature. The reason for that is to easily monitor the mp2 Account if it's already matured or not. Members don't need to have multiple accounts for this program, it's not necessary. Thank you.
Ask ko po wat if after 7yrs or 10yrs more di pa na withdraw ang peara kasi dito pa ako sa abroad work as a ofw then di pa ako mag for good then ano mangyari sa pera ko sa MP2? Salamat
As much as possible Sir, ang pag ibig po pinapa withdraw or claim nila yung MP2 after 5 yrs. They'll will to contact you to claim that.. but if wala response from you or you don't initiate to withdraw or claim that, if you have the Pag Ibig 1 program or the regular saving, it'll be converted to Pag Ibig 1. so once it is converted to pag ibig 1, it'll not receive same dividend rates as MP2 dividends.
@@bebetter7901 ok lang sa akin kun e transfer nila sa p1 ang dividend rate if hindi ko makuha in 5yrs as long safe pa rin ang pera ko at kahit more than 10yrs pa kun sakaling di pa ako maka uwi ay ok lang..tama ba ako kabayan? Di pa rin masayang kasi kunti lang difference ng dividend sa p1 to mp2
@@tradekoto4631 okay lng naman sir. pero okay sana din if yung makukuha mo sa claim, ipasok mo po ulit sa MP2 ulit.. okay lng po ganun kahit hayaan mo na naman yun after 5 yrs.. kahit hindi ka na po ulit mag hulog.. hayaan mo lng mag earn ng dividends..
@@bebetter7901 much better nga kung re invest ko to another mp2 account pero ang problem ko kasi dito sa Israel embassy ay wala daw sila representative ng pagibig fund at di nila ma asikaso ang request ko about sa pagibig dahil SSS at OWWA lang daw meron sa kanila..wat if kun di pa ako maka uwi after 5yrs or 7yrs or 10yrs kabayan?
Hi lovely Charm, you are very good in deed! Young beautiful smart lady... I admire you in your financial journey. You are a very good model for the young generation. 😍🥰🥰🥰👍
There is plan in Sun Life that gives guaranteed 8% on 6th year, and every two years until age 100. Guaranteed amount doesn't change regardless of any financial crisis. There is guaranteed dividends, though non-guaranteed.
Ito balak ko after ko makauwi lahat maipon ko mp2 ko muna. Kisa s bangko lng lng pera ndi nmn kumikita., para after 5yrs kng ndi lupa mabili dream bigbike🤩total binata nmn ako at pangit wala nmn mgkakainterest skn🥰🥰🥰
Salamat po...very informative. thankful ako dhil ang employer ko ang naghu2log ng contribution ko sa MP2. Ask ko lang po paano ko po ma-check ang interest ng investment ko. nag start po ako ng contribution ng july 2019. Salamat po
Maganda talaga ang MP2, same sa amin sa PNP merong AFPSLAI Capcon savings na 16% ang annual dividend or 4% per quarter. After nung training ko nun naghuhulog ako ng 25k per month sa AFPSLAI then after 3yrs and 4 months may 1M na ako.. 40k natatanggap ko every quarter (Jan.Apr.Jul.Oct). plano ko din mag capcon sa PSSLAI kasi 18% sila pero twice a year lang magbigay (jan&july) or 9% semi annually. Sa mga bagong graduates jan mag take kayo ng CSE or Board exam or napolcom then apply kayo sa PNP, AFP, BJMP, BFP or CG then try this financial plan. Ang AFPSLAI (1972) at PSSLAI ay regulated Ng Bangko Sentral ng Pilipinas.
Hello! Thank you for this insightful video. I understood Pag-ibig MP2 better now. I have a question po, I am a working student but wala po akong pag-ibig regular savings pero since need po ng regular savings before maging eligible for MP2 savings, tanong ko po if I will apply as a voluntary now, pwede pa po ba yun ma change in case na magkaroon na ako ng ibang job in the future? Like pwede po ba na kapag may new company na ako hindi na ako mag voluntary?
Hi, great video! Question though: do we really need to wait for a confirmation email that our MP2 account is active already? I've watched other videos on how to create an MP2 account online. Some said that once you get your MP2 number, you're good to go. Others said that you need to submit the printed form to a Pag-IBIG branch. Would like some clarification if you know, thank you!
If u already had the number remit/deposit in ur account then u can inquire from pag ibig customer service after 5-10 business days or open virtual account so u can see ur contributions. To know more about it check their website
@@CharmdeLeon hi mam charm ask ko lang po..meron na akong MID number before pero never ko xa nahulugan tapos nag check ako only di na active MID number ko...pwd ko po ba ma-reactivate ung MID number ko? and panu ako makapag menber sa MP2? thank you sa sagot and god bless......
Thanks sa info. I just signed up to this mp2 today online and initially paid 2000 pesos required na ba to na 2000 every month and pwede ba to mamodify from 5years to annual plan instead? Thank you for answering po
Very informative and great content, thanks for the information I really understand what is MP2. Kahit hindi kana magtagalog sis gets na gets pa din, hirap kayang mag explain ng tagalog minsan. Just saying 🤗☺️✌️
Point of clarification Ms., can we have 2 or more Pag-ibig MP2 accounts? I already have one which I applied in 2020 and I'm planning of adding another MP2 account... Do you think it is possible ? Or it is just limited to one MP2 acct per person? Do we have to wait for 5 years in order to open another MP2 account? Please answer.. thank you for very clear explanation.. i love watching your vlog because you have a very nice voice and good diction.. keep it up!🥰😍😘
Hello Charm, thanks for this video. I have a question though, how do i get the dividends if i applied online. You've mentioned if it's offline they would asked for an account to deposit it.
This explanation is excellent! I just have a question, what if you choose to withdraw your mp2 savings before maturity, will you still incur the penalty (being able to withdraw only half) if you chose the annual dividend payout option?
Graduated last yr (5yrs). What i got was less than what they 'advertised' but it doesnt hurt to invest in passive savings. I'd never save up to 130K if i had put the money in a bank bc i'd be tempted to withdraw it at each family problem that came my way 😂 re enrolled after the maturity bc, why not?
Hi thank you for this! Just thought of starting this year so I'm really thankful as this was informative. I have a question - I chose 2,000 as the amount I would like to contribute monthly. Would it be okay for me to contribute lower or higher than the amount I stated? If yes, is it okay for me to contribute differently per month (in case I get extra money or actually need to use my money)? Thank you and hoping this gets noticed :)
you are not required to deposit every month, but best if you do :) if you opt to deposit/save on a certain month, minimum amount to deposit is P500 per instance.
Sana yumaman ang TAONG nakabasa nito at makatulong sa Maraming tao.
Claim na nAtin !
Patamsak narin mga kapatid- walang bawian. Daghang salamat .
Cheers to those who are making an effort to take control of their investment portfolio. I myself am doing DIY investment series to optimize my portfolio strategy after realizing that 100% stocks is not for me during this pandemic. Managing your portfolio should be doable for common adulting professionals like us so I will be attempting to create a blueprint on a simple portfolio management strategy.
Simple Tip: Create MP2 account yearly so after 5years, you can actually transfer all your funds from your first MP2 and transfer it to the second account that will mature after 1year.. then rinse and repeat.
Wait is that legal lol
Pede sana kaso 1 account per name lng ata
@@justincaseofoblivion3326 nope ggwa kalang new mp2. dlwa na acct ko tried nato
@@justincaseofoblivion3326 it is perfectly legal. prang gcash lang, many gcash 1 user, ganun din sa Mp2.
anong advantage nito?
I appreciate your approach to teaching.. To my understanding this just proves how much we need an edge as investors because playing the market like everyone else just isn’t good enough, we just need to hold onto our hopes and wait to see how things turn out because market movements are almost always unpredictable. In my portfolio, I'm noticing more red than green.
People believe their currency has the worth it does because they have no other option. Even in a hyper-inflationary environment, individuals must continue to use their hyperinflationary currency since they likely have minimal access to other currencies or gold/silver coins.
Inflation is gradually going to become part of us and due to that fact any money you keep in cash or in a low-interest account declines in value each year. Investing is the only way to make your money grow and unless you have an exceptionally high income, investing is the only way most people will ever have enough money to retire.
@@Wellingtonluzia3 You are right! I diversified my 450K portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above 1.3m in net profit across high dividend yield stocks, ETF and bonds during this red season.
@@desmondeddy1750 How can I reach out to this coach? because I'm seeking for a more effective investment approach How good is this person at portfolio diversification, particularly with regard to digital assets?
@@jamesdrew296 >>>>>> *PATRICIA DRITA JOSEFINA* is the coach that guides is the coach that guides me.
I don’t know how, but you’ve been able to package an unbiased analysis that is more entertaining than the sensational segment of the economic and financial news, thank you for your effort to be the signal and not the noise, I had to get an expert, Sir Eric Arlto to manage my trades as I have no skills for that, my account has been growing up to 7- 15 % weekly depending on market conditions and this is the sixth month for me
Hi there,
what if I will like to give it a try with your pro, since you are familiar with how this works maybe you can connect me
You can connect him through his mail above
kudos to you, this is a more realistic building block to start with, I understand little to my knowledge on stocks but look forward to investing for income
@@Rya1122thanks, I have mailed him now expecting his response
Scammers running bots
I really love how you clearly explain everything about MP2. This is very educational. Hope you continue creating videos like this. It's really helpful! You're near 100k!
Definitely! New generations should invest in pag ibig.. Its super easy and safe since it is a government backed up.. I regret finding it out late..
This is my 1st investment MP2 is great actually I have 200k on mp2 not to brag because mp2 is good for conservative investor like me that are willing to take small risk with good returns.
Hi asks ko lang need ba mag contribute sa P1 bago magproceed sa Mp2?
Laki
@@LemonTeapot0195 opo need po na active kayo sa p1 bago magproceed sa mp2
Magkano tinubo
Did you invest your 200k one time only o monthly ka naghuhulog until mag reach ng 200k?
i've been working for more than 5 years now and adulting is really hard. ive heard a bit about MP2 but super duper thanks that i came across by your vlog and i am educated. it wont harm me to initially invest 500 php. i will definitely push for this
Very informative. Ngstart ako 2017. Mag 5yrs nrn at mkkpgwithdraw nxtyr. Pro ilulumpsum ko ung mawiwithdraw at gagawa ng another account sa mp2. D hamak masmaganda mg time deposit dto kaysa banko. 😁
i like this girl... especially when she explains with her hands..
Planning to buy a house in the future and i think this is the better way to save up your money. 🤑
I hope you will also make more videos about stock market since most of your investments are placed there. Like what PH stocks did you buy, which stocks have high dividends since I am a newbie in PH stock market, it would be a great help. I love how you make your videos because they are always easy to understand 😊
I started 2019 MP2. I ventured in stocks also before. I lost my money in stocks. Didn’t know how to invest. I’m glad I put some before at MP2 so I didn’t lost everything. If you don’t want to take risks, MP2 is a good investment. Just remember it’s locked in for 5 yrs.
you lost your money in stocks. that's really sad. Im actually a beginner in investing in stocks. Is it okay if you can share more about it.
Why lost your money? You should've wait and make it long term investment beacuase it is just paper loss
Ang tagal 5 years
Thanks for sharing this helpful insight! I've gain so much knowledge about Crypto trading! l'm so excited I've been making $25,000 and above.
How can I have a life like you, I'm totally new to trading! Any consistent strategies?
My tutor is "mr peter, I watched a news interview on where he was featured during an IPO and spoke proficiently, caught only he name and did a search later online.
Investing your Crypto with Mr peter is the best decisions to take because so many people have benefited from it and still benefiting
OMG,.im glad to see someone finally on youtube who employs Mr peter trading strategies. He personality draws me in and find myself reading All of he articles from now. he's great to follow if you're looking for a new approach on growing your crypto knowledge.
I have a massive portfolio of $120k! got started from a CZcams referral about he trading strategies.
Well explained, awesome Blogger, Thanks so much! Yes, your video help me understand fully the MP2 program - great job! Please continue to create more informative videos! God bless :-)
I really needed this video to start investing. 😍 I got a better view of it now. 😊
I'm just an 18 year old student but thankful that I've found your video this early, Ms Charm! Daghan kaayo kog nakat unan💜
Sana may napanuod din akong video na ganto last 5yrs 😅
You are lucky to start at your early age
Sobrang nadetalye yung mga vid na napanood ko sa TikTok about sa PAGIBIG MP2. Thanks 😊
This is very informative. You clearly elucidated everything. Thank you!
from now on im gonna watch all your videos so i can learn financially. Thanks much 🤗
The more i watch the videos the more i have a lot of ideas of savings and finding an investment. Thanks for this wonderful information, it was clear and very helpful. 😊🤑
Thank youuu 🙏🏻
Hello! Can you also create a video explaining SSS and/or PhilHealth? Hindi ko po kasi masyado maintindihan yung videos na gawa ng iba, ang galing nyo po kasi mag-explain that's why I always watch your videos and hoping na sana meron na for SSS or PhilHealth topics. Sana mapansin to huhu ❤
I recommend you making a blog and monetize it! Sobrang helpful mo, salamat!
Galing magsalita. Comskills to the max.
Thanks so much for this po. I have Pag-ibig number but waiting to get employed.
Thanks a lot for this video, now I know I can still save and invest pala sa ganito kahit di pa ako employed. 🥺🙏
Great video. Would just like to point out that for voluntary members of PAG-IBIG regular savings, you pay 200Php minimum instead of 100 Php
Yes, thanks for this! Will clarify in the next video
Isn't it only 100 if you're unemployed or a student? It's 200 for employed members because it's 100 from your employer then 100 from you. But if you're not employed, then it's only the 100 from you. This is what I know at least haha
@@Rina-eg7zw hello. For Individual Payor and Self Paying, the lowest payment would be 200 as of the time being. It'll be posted on the Employee Share.
hello sana po masagot yung Q ko. Paano po ba maging active pag ibig member kahit student ka palang?
This is very detailed and informative. Easy to listen to as well. Thank you for this♡
Here for another year of savings let's be practical and financial intellectuals this 2022 🙏 medyo lito ako bago ako mag go sa annual and 5yr term buti yr vlogs
I was searching for this talaga eh, buti na lang eto yung nakita ko very detailed. I subscribed na din thank you ate ganda! 😊
This was such a helpful video for me because I never lived in the Philippines until now and it's so important to know these different government agencies. Salamat!!
Oh this is a good explanation! I've been hearing also na mas maganda na mag-lump sum investment in Pag-Ibig MP2 vs. monthly contribution. Thanks Charm!
Definitely! But no need to wait also until you can save up the “lump sum”, at least your money’s earning already 😊
@@CharmdeLeon maam may tanong po ako wala kc akong headset, ang 500=100 ang tutubuin tama po ba, paano kung every payday (twice a month) mag add ka ok lang ba iyun or sa isang buwan isang transaction lang?
This is good advice I opened my MP 2 account few yrs. ago but never invest a single cent po "second thought" attack po kasi now I know I will have to do it now without Hesitations 🙏🙏🙏🙏Thanks
Thank you so much for sharing your knowledge to us. I've learned a lot from your channel as newbie in investment stuff... I feel like your my personal coach online. Your better than other speaker I've known, well- explained contents, full of info and easy to understand for beginner. More power to your channel and God bless to you more !
Thank you so much. You're helping a lot of people. You explain clearly and precisely. You're more than a friend by sharing this important details. Keep up the good work!👍👍
Very informative. Thanks for sharing this💕
I started the MP2 savings account today after watching your videos. 🥰 I started with 500 pesos per month.
Ano na pong balita sa investment mo po?
A very informative video! Kudos to you (:
Thank you for the added information. Heard a lot of videos re mp2, but i have learned a new one with your video. You’re smart. Thanks.
Hi!! I really loved this vid. Made me curious about it and did my own research just to find out that MP2 is really amazing. If I may ask... is it practical to make a loan with low interest payable in 2yrs for MP2?
Salamat ng madami, napaka informative nitong vid na to lalo na sa mga gaya ko na na nasa 20's palang. Helped me a lot. Hope you make more vids like this. ❤️
This is very helpful. Thank You. It is very informative!
This video is really beginner friendly I really appreciate this miss Charm thank you :)
Thank you so much, maam! I am a working student and I have been watching videos from different channels about MP2 Investment and yours is very detailed. I am starting to invest at least 20% of my monthly salary through PagIbig. Could you do the GCASH GInvest on your next video maam? Thanks!
Hello! What work do you do po as a student? I'm a student also and might as well try what your work po.
Up
Trade with her and remember to share testimonies with others
+13
098
This was vert helpful! Thank you for sharing the Google sheet computation as well. You are the best!
advance congrats..road to 100K...all your contents were presented very well and nice edits also...no surprise that this kind of channel will hit 1M+...edits, audio/video quality, narrations, phoenetics, infographics, sequencing etc were very well thought of..credits to your video editor and production team...
keep vlogging and Be Safe always...👍 👍 🌟 🌼 🌟
No production team, just me 🙋🏻♀️ Thank you so much.
Very well said..👍👍👍Ang galing mo mag paliwag..na gets ko agad.Salamat sa information.
Great content and you earned another subscriber. May I suggest lang na never wear thin-striped clothes on camera kasi nakakahilo sya tignan. It creates moire patterns. More power to your channel!
I have several questions.
1.) Halimbawa, gusto ko maghulog ngayong buwan ng 6k tapos sa sunod na buwan, 5k. Allowed ba yon? Atsaka pwede ba ako maghulog araw araw ng 200 pesos para mabuo yung 6k?
2.) Magkano kaya ang tutubuin ko per year? tapos monthly ang hulog?
3.) Can I reinvest the same amount of money to the same account in mp2?
1.) yes;
1.a) Atsaka pwede ba ako maghulog araw araw ng 200 pesos para mabuo yung 6k? -> No minimum 500 pesos
2.) Nasa video ang spreadsheet, basic compounding interest lang po yan
3.) Can I reinvest the same amount of money to the same account in mp2? -> mejo vague ang question nyo
Great content Charm. Very informative overall. Thank you :)
LOUD and clear thank you for sharing this information hope i can invest soon
Hello po. I appreciate your vision on giving insight about something like this. But may I just correct you about the Regular Savings (P1) - P1's shortest term is 15 years not 20 yrs for maturity of the program. Way back before there was also 10 years but its now applicable. 15 years is an optional withdraw of the member's savings. And for the MP2, as with the new system being used in Pag IBIG, even you have created several accounts for MP2 like just what you have mentioned 5 accounts, Pag IBIG consolidate it into one account especially MP2 have only 5 years to mature. The reason for that is to easily monitor the mp2 Account if it's already matured or not. Members don't need to have multiple accounts for this program, it's not necessary. Thank you.
Ask ko po wat if after 7yrs or 10yrs more di pa na withdraw ang peara kasi dito pa ako sa abroad work as a ofw then di pa ako mag for good then ano mangyari sa pera ko sa MP2? Salamat
As much as possible Sir, ang pag ibig po pinapa withdraw or claim nila yung MP2 after 5 yrs. They'll will to contact you to claim that.. but if wala response from you or you don't initiate to withdraw or claim that, if you have the Pag Ibig 1 program or the regular saving, it'll be converted to Pag Ibig 1. so once it is converted to pag ibig 1, it'll not receive same dividend rates as MP2 dividends.
@@bebetter7901 ok lang sa akin kun e transfer nila sa p1 ang dividend rate if hindi ko makuha in 5yrs as long safe pa rin ang pera ko at kahit more than 10yrs pa kun sakaling di pa ako maka uwi ay ok lang..tama ba ako kabayan? Di pa rin masayang kasi kunti lang difference ng dividend sa p1 to mp2
@@tradekoto4631 okay lng naman sir. pero okay sana din if yung makukuha mo sa claim, ipasok mo po ulit sa MP2 ulit.. okay lng po ganun kahit hayaan mo na naman yun after 5 yrs.. kahit hindi ka na po ulit mag hulog.. hayaan mo lng mag earn ng dividends..
@@bebetter7901 much better nga kung re invest ko to another mp2 account pero ang problem ko kasi dito sa Israel embassy ay wala daw sila representative ng pagibig fund at di nila ma asikaso ang request ko about sa pagibig dahil SSS at OWWA lang daw meron sa kanila..wat if kun di pa ako maka uwi after 5yrs or 7yrs or 10yrs kabayan?
I am subscribing! Very clear explanation. Kudos!!
Thank you Ma’am Charm very informative ! :)))
😍
Thank you 🙏🏻
Hi lovely Charm, you are very good in deed! Young beautiful smart lady... I admire you in your financial journey. You are a very good model for the young generation. 😍🥰🥰🥰👍
Thanks for sharing... I will follow your channel because it's very clear and detailed ... It easily sink in our brain ehehheeh God bless you po
There is plan in Sun Life that gives guaranteed 8% on 6th year, and every two years until age 100. Guaranteed amount doesn't change regardless of any financial crisis. There is guaranteed dividends, though non-guaranteed.
Thank you for the video Ms. Charm♥️
Ito balak ko after ko makauwi lahat maipon ko mp2 ko muna. Kisa s bangko lng lng pera ndi nmn kumikita., para after 5yrs kng ndi lupa mabili dream bigbike🤩total binata nmn ako at pangit wala nmn mgkakainterest skn🥰🥰🥰
Pwede toh kahit wala ka sa Pilipinas ngayon. Apply online or sa embassy
Girl I'm so glad I found your channel your videos are so comprehensive :)
🤗❣️ Thank you!
Discovered this one in 2017 and I am now nearing the first five years cutoff whereIn I can finally get my dividend.
This video helps me a lot.
Grabe ung value ng vid na to! 😀
Nag invest ako ng 25k last year 2020 nag earn ako ng 1,400 👍
1,400 monthly?
@@JL-eu2yu d po per month , after 1 year
Thank you so much for this video! Very clear, concise and educational
Hi Charm! Just noticed you forgot to blur your MP2 number in timestamp 13:01 hehe. Might want to omit this for your privacy. :)
Noticed that after too 😢 but I asked and it should be okay. Unless people want to deposit money into my MP2 account 😂
Brilliant explanations! I get so clearly Thank you!
Thank you so much.Now I fully understand Mp2.
Salamat po...very informative. thankful ako dhil ang employer ko ang naghu2log ng contribution ko sa MP2. Ask ko lang po paano ko po ma-check ang interest ng investment ko. nag start po ako ng contribution ng july 2019. Salamat po
You can make/check your online account. pagibigfund.gov.ph
Interesting content, thanks for sharing this, great content. 😊
Thank u for a clear explanation of mp2 infos and benefits
I'm on my 16th month of MP2 savings now and my savings already earned 1.5k. I asked our HR to deduct my savings automatically from my salary. 😊
Wooow! That’s great 😃
Hi mam. Tanong ko lang po if kailangan din po hulugan monthly yung P1 pag nag enroll ka po ng mp2?
@@user-oz7kx6tk1l need active ang p1 natin before tayo mag mp2 at pwede man bayaran natin in 1 yr or 2yrs ang p1 para maka save tayo sa charge..
how much montly nyo po ?
@@racinemaeposesano1181 I think minimum monthly is Php 500.00.
Maganda talaga ang MP2, same sa amin sa PNP merong AFPSLAI Capcon savings na 16% ang annual dividend or 4% per quarter. After nung training ko nun naghuhulog ako ng 25k per month sa AFPSLAI then after 3yrs and 4 months may 1M na ako.. 40k natatanggap ko every quarter (Jan.Apr.Jul.Oct). plano ko din mag capcon sa PSSLAI kasi 18% sila pero twice a year lang magbigay (jan&july) or 9% semi annually. Sa mga bagong graduates jan mag take kayo ng CSE or Board exam or napolcom then apply kayo sa PNP, AFP, BJMP, BFP or CG then try this financial plan. Ang AFPSLAI (1972) at PSSLAI ay regulated Ng Bangko Sentral ng Pilipinas.
Thanks for this!
Subscribed! Galing mag-explain. Clear and detailed. :) Thank you for this informative video.
Hello! Thank you for this insightful video. I understood Pag-ibig MP2 better now. I have a question po, I am a working student but wala po akong pag-ibig regular savings pero since need po ng regular savings before maging eligible for MP2 savings, tanong ko po if I will apply as a voluntary now, pwede pa po ba yun ma change in case na magkaroon na ako ng ibang job in the future? Like pwede po ba na kapag may new company na ako hindi na ako mag voluntary?
Thanks for this video. very detailed. Nice din na may time stamp :)
Hi, great video! Question though: do we really need to wait for a confirmation email that our MP2 account is active already? I've watched other videos on how to create an MP2 account online. Some said that once you get your MP2 number, you're good to go. Others said that you need to submit the printed form to a Pag-IBIG branch. Would like some clarification if you know, thank you!
No need to wait. You can contribute but to monitor it. You have to wait for the virtual pag-ibig confirmation
If u already had the number remit/deposit in ur account then u can inquire from pag ibig customer service after 5-10 business days or open virtual account so u can see ur contributions. To know more about it check their website
@@CharmdeLeon dpt tlga my confirmation bgo ka mghulog para sure bang active yung ginawa mong account
@@CharmdeLeon hi mam charm ask ko lang po..meron na akong MID number before pero never ko xa nahulugan tapos nag check ako only di na active MID number ko...pwd ko po ba ma-reactivate ung MID number ko? and panu ako makapag menber sa MP2?
thank you sa sagot and god bless......
Pano Po madam bgo lng Po aq mgoopen Ng mp2 wla p Bo aq record or account s pagibig pano Po un
First time ko to dto pero I like the way you explain everything ❤️❤️❤️❤️thank you and good bless 😊
Thanks sa info. I just signed up to this mp2 today online and initially paid 2000 pesos required na ba to na 2000 every month and pwede ba to mamodify from 5years to annual plan instead? Thank you for answering po
Pero thank you ang dami ko dn natututunan dto king pano magpayaman
Thank you so much for this ma'am
Nice content malaking tulong po kudos!🙏 mas marami kapa pong matutulongan at ma educate kung my tagalog version din😊
U can speak tagalog sometimes, thank u for the clear explanation 👍
I’d love to but I’m Bisaya and Tagalog doesn’t come naturally to me :/
Ganyan kami mga bisaya karamihan mas nahirapan mag tagalog kasi matigas ..
Haha
Thank you for making this video. Its very clear and it help me a lot.
Savior talaga!!! Been researching for mp2
Woohoo! Let me know how your experience is!
Very informative and great content, thanks for the information I really understand what is MP2. Kahit hindi kana magtagalog sis gets na gets pa din, hirap kayang mag explain ng tagalog minsan. Just saying 🤗☺️✌️
Point of clarification Ms., can we have 2 or more Pag-ibig MP2 accounts? I already have one which I applied in 2020 and I'm planning of adding another MP2 account... Do you think it is possible ? Or it is just limited to one MP2 acct per person? Do we have to wait for 5 years in order to open another MP2 account? Please answer.. thank you for very clear explanation.. i love watching your vlog because you have a very nice voice and good diction.. keep it up!🥰😍😘
Yes, you can have up to 5 accounts all at the same time.
Thank you maam for making this video, it help a lot. more videos and more power, God bless.
Hello Charm, thanks for this video. I have a question though, how do i get the dividends if i applied online. You've mentioned if it's offline they would asked for an account to deposit it.
Thank you for the information and calculations for the MP2
Thanks for Sharing, Well explained.:-)
Hi new subscriber here..can you review also about health insurance..thanks
Ff
ganto ung gusto kong maging tropa e, andaming alam sa investments, finance, etc.
This explanation is excellent! I just have a question, what if you choose to withdraw your mp2 savings before maturity, will you still incur the penalty (being able to withdraw only half) if you chose the annual dividend payout option?
No more further dividends if you chose the annual payout. You’ll get the entire capital though.
I love how you explain it very nicely and clearly. Thank you for making this video.
Graduated last yr (5yrs). What i got was less than what they 'advertised' but it doesnt hurt to invest in passive savings. I'd never save up to 130K if i had put the money in a bank bc i'd be tempted to withdraw it at each family problem that came my way 😂
re enrolled after the maturity bc, why not?
i like the way you explained MP2. very clear and informative. Great help. :) Hopefully you can also have it in Filipino.
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Hi thank you for this! Just thought of starting this year so I'm really thankful as this was informative. I have a question - I chose 2,000 as the amount I would like to contribute monthly. Would it be okay for me to contribute lower or higher than the amount I stated? If yes, is it okay for me to contribute differently per month (in case I get extra money or actually need to use my money)? Thank you and hoping this gets noticed :)
Baseline is 500.00. You can contribute higher than 2k/ mo. In contribution, there is no ceiling..
The higher the better and early as much as possible.
T
you are not required to deposit every month, but best if you do :) if you opt to deposit/save on a certain month, minimum amount to deposit is P500 per instance.
Daghan jud kong makantiguhan sa imong mga videos, Ms Charm. Padayon!
Lamat! 🙏🏻❣️