Si Carol, na may P25,000 na sahod kada buwan, ay nag-contribute sa WISP for 35 years, at sa pag-retire niya, ang accumulated value nito ay aabot sa P731,529—salamat sa power ng compounding interest. Maari niyang kunin ito as lump sum o via annuity, pero base kay Sir Vince, mas mainam kunin ito in lump sum at i-invest para mas lumaki pa ang kanyang earnings.
#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.
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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:
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Vince Rapisura
Run time: 03:31
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00:00.0
Bigyan natin ng example itong WISP. WISP ni Karol.
00:03.0
Siya ay 35 years old with P25,000 na salary.
00:07.8
Kung titignan natin dito, ayan yung ating contribution table.
00:11.4
Tignan natin kung nasaan yung P25,000 dito sa ating table.
00:14.4
So ayan o, P20,000 dito, yan yung ating regular SSS.
00:18.8
Tapos yung ating WISP or Mandatory Provident Fund.
00:21.8
P5,000 yung monthly salary credit po yung nakikita natin dyan.
00:27.2
At magkano yung karagdagang babayaran?
00:30.8
Sa employer, P475 at sa employee ay P225 for a total of P700.
00:40.8
This 2023 and 2024, that's about P5,700 per year na employer share.
00:48.6
At ang mga kaltas naman per year kay Karol ay nasa P2,700.
00:54.2
Sa WISP, contribution P2,025 onwards kasi magtataas ang rate niya.
00:59.6
Ang employer share na ay P500 per month or P6,000 per year.
01:04.2
At ang employee share ay P250 per month or P3,000 per year.
01:09.4
Walang increase in salary si Karol.
01:12.8
After 35 years, kasi doon pa lang siya mag-retire,
01:17.0
ang total accumulated value na niya ay P731,529.
01:22.8
Ang contributed niya ay a total of P313,800.
01:29.0
Ang employer share galing na dyan ay P209,400.
01:32.8
At ang employee share ay P104,400.
01:36.6
Ang total earnings ay P417,729 based on the SSS Target ROI na 4.5%.
01:47.0
Bakit mas malaki yung earnings kaysa sa total WISP contribution?
01:50.0
Ang sikreto po dyan ay ang tinatawag natin na power of compounding interest rates.
01:56.4
So ang ibig sabihin kasi niyan,
01:57.8
noong yung mga contribution natin ay nadagdagan na ng interest in the previous years,
02:03.0
tapos doon sa susunod na taon, yung interest ay naiinteresan na rin.
02:07.0
Yun yung dahilan kung bakit mas malaki na yung earnings kaysa doon sa total na kinontribute.
02:12.2
Yung ROI sa WISP ni Karol,
02:15.0
P104,400 employee contribution ay naging P731,529 in 35 years.
02:23.2
So that's 700% growth.
02:26.0
At ang annual rate of return nito ay na sa 5.72%.
02:29.6
It's respectable already.
02:31.2
Karol has the option to get the WISP in lump sum na P731,000
02:37.0
or annuity na P4,064 additional monthly pension niya on top of the regular SSS.
02:45.4
Pero ito maya-enjoy na lang niya for 15 years.
02:50.0
After 15 years, pag pinili niya yung annuity, mauubos na.
02:54.4
Sir, isa palagay mo ba?
02:55.6
Anong magandang pooling dito sa WISP?
02:57.6
Lump sum o annuity?
02:59.4
Sa pagkakaintindi ko doon sa SSS,
03:01.0
kaya kailangan natin niyang linawi sa SSS,
03:03.4
yung P731,000, tini-divide na lang nila by 15 years divided by 12,
03:10.0
Pero 15 years pa yung lumipas,
03:12.2
so ibig sabihin meron pang potential na kumita.
03:15.0
Kung ako, pending our clarification with SSS,
03:18.0
mas maganda nakunin siya in lump sum,
03:20.6
tapos i-invest mo siya para kumita pa.
