Tuklasin ang WISP, ang bagong program ng SSS na nagbibigay ng mas mataas na returns sa mga may mataas na monthly salary credit.#usapangpera #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 Par

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Ano kaya'y makakatulong para ma-boost yung kanilang mga tuwing kamay?

Yes, ito yung tinatawag na natin na SSS Retirement Building Blocks.

Okay, meron tayong SSS Retirement Building Blocks at ito ay composed of our regular SSS

at yan po yung katatapos lang natin na i-discuss.

And then meron tayong WISP tapos WISP Plus.

Okay, yung ating regular SSS, ito ay mandatory with higher returns.

Defined po ang ating benefits dyan.

Tapos ang WISP, ito po ay mandatory din.

Returns are based on market performance.

At meron tayong WISP Plus, which is voluntary.

Ang returns naman dito ay based on market performance.

Sir, binistan mo yung ginamang dati sa iyong WISP.

Pakingpisahan na ang paliwanag po po dyan.

Ang WISP ay ito po yung tinatawag natin na Workers Investment and Savings Program.

Ito ay mandatory individual retirement savings plan

para sa mga miyembro na may mas mataas sa 20,000 pesos ang kanilang monthly salary credit.

Sir, bakit naman ginawa yan mandatory?

Oo, kasi yung sagot yun doon sa problema ni Bea, na masyado maliit.

Karakula.

Kaya ang ginawa siyang mandatory para doon sa may mas mataas na monthly salary credit,

na greater than 20,000,

ay magkakaroon sila ng pagkakataon na matulungan ng mga employer.

Ito ay implemented on January 2021 based on the SSS law of 2018.

So, sino ba yung covered ng WISP?

Mga private sector employees, self-employed, voluntary, and OFW members

na wala pang final claim sa regular SSS.

Sorry, sorry. Wait, sir.

Ano naman ibig sabihin ng final claim na yan?

Oo. So, ibig sabihin, hindi pa tayo nakapag-file ng ating retirement

o kaya hindi tayo nakapag-file ng total disability.

At mayroon tayong dapat contributions in the regular SSS.

Kasi building blocks na siya.

Dapat meron ka muna ng regular bago ka makapunta sa WISP.

At dito, ang enrollment ay automatic.

Yan naman yung kagandahan dyan.

Wala ng additional step pa.

Yes. So, ito yung mga WISP contributions natin.

Yung WISP contribution natin, it covers contributions over 20,000 pesos

na monthly salary credit up to 30,000 pesos ngayong 2023 and next year.

Pero pagdating ng 2025, 35,000 na po yung maximum monthly salary credit natin dyan onward.

Tinitignan ng gobyerno natin kung ikaw ay mag-retire na ngayon,

magkano ba yung kakailanganin mo, di ba?

At yung 35,000 pesos na yan is a good benchmark, di ba?

Kaya ang sinasabi ko nga, dapat sa totoo lang ito,

every five years ay ina-adjust pataas ng SSS

para makapag-keep up siya sa inflation.

Imagine nyo ha, kung hindi siya nag-keep up, malaloka tayo.

Mayroon din itong employer shares in paying the contributions.

Mahalaga rin siguro, sir, sa malaman natin.

Kasi maganda yung employer shares.

Yan ang nagpapalaki talaga, di ba, sa ating invention.

Igaano namang halaki ang employer share?

Usually, one-third of the contribution sa SSS ay covered by the employee

at yung two-thirds ay covered ng employer.

So, bigyan natin yung example yan.

For example, ang binabayaran ay 1,500 kada buwan.

500 pesos ang kaltas sa sweldo mo,

1,000 pesos ang counterpart ng employer.

Mas pag-ayawan niya, no? Para sa'yo.

Actually, kaya nga, mara...

Kaya pag kayo po ay empleyado,

i-appreciate nyo yan ha.

Kasi minsan nating tingnan naman,

ito na naman, kinaltasan naman ako ng SSS, di ba?

Pero ang mas isipin nyo rin,

pag nakaltasan ka ng 1,000 pesos,

times two mo yun.

Yun yung counterpart ng employer.

Ayan, no?

Okay.

Ang self-employed, voluntary, and OFWs

shouldered their own contribution.