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. 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

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Bigyan natin ng example itong WISP. WISP ni Karol.

Siya ay 35 years old with P25,000 na salary.

Kung titignan natin dito, ayan yung ating contribution table.

Tignan natin kung nasaan yung P25,000 dito sa ating table.

So ayan o, P20,000 dito, yan yung ating regular SSS.

Tapos yung ating WISP or Mandatory Provident Fund.

P5,000 yung monthly salary credit po yung nakikita natin dyan.

At magkano yung karagdagang babayaran?

Sa employer, P475 at sa employee ay P225 for a total of P700.

This 2023 and 2024, that's about P5,700 per year na employer share.

At ang mga kaltas naman per year kay Karol ay nasa P2,700.

Sa WISP, contribution P2,025 onwards kasi magtataas ang rate niya.

Ang employer share na ay P500 per month or P6,000 per year.

At ang employee share ay P250 per month or P3,000 per year.

Walang increase in salary si Karol.

After 35 years, kasi doon pa lang siya mag-retire,

ang total accumulated value na niya ay P731,529.

Ang contributed niya ay a total of P313,800.

Ang employer share galing na dyan ay P209,400.

At ang employee share ay P104,400.

Ang total earnings ay P417,729 based on the SSS Target ROI na 4.5%.

Bakit mas malaki yung earnings kaysa sa total WISP contribution?

Ang sikreto po dyan ay ang tinatawag natin na power of compounding interest rates.

So ang ibig sabihin kasi niyan,

noong yung mga contribution natin ay nadagdagan na ng interest in the previous years,

tapos doon sa susunod na taon, yung interest ay naiinteresan na rin.

Yun yung dahilan kung bakit mas malaki na yung earnings kaysa doon sa total na kinontribute.

Yung ROI sa WISP ni Karol,

P104,400 employee contribution ay naging P731,529 in 35 years.

So that's 700% growth.

At ang annual rate of return nito ay na sa 5.72%.

It's respectable already.

Karol has the option to get the WISP in lump sum na P731,000

or annuity na P4,064 additional monthly pension niya on top of the regular SSS.

Pero ito maya-enjoy na lang niya for 15 years.

After 15 years, pag pinili niya yung annuity, mauubos na.

Sir, isa palagay mo ba?

Anong magandang pooling dito sa WISP?

Lump sum o annuity?

Sa pagkakaintindi ko doon sa SSS,

kaya kailangan natin niyang linawi sa SSS,

yung P731,000, tini-divide na lang nila by 15 years divided by 12,

kaya P4,064.

Pero 15 years pa yung lumipas,

so ibig sabihin meron pang potential na kumita.

Kung ako, pending our clarification with SSS,

mas maganda nakunin siya in lump sum,

tapos i-invest mo siya para kumita pa.