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00:00.0
Yung ating SSS Retirement Building Blocks,
00:03.4
i-summarize natin siya.
00:05.0
Meron tayong Regular SSS,
00:07.0
meron tayong WISP at saka WISP Plus.
00:10.7
Sa requirement natin,
00:12.0
ang Regular at saka ang WISP ay mandatory,
00:15.3
ang WISP Plus ay voluntary.
00:19.4
defined and usually greater than market rate,
00:23.7
ang WISP at saka ang WISP Plus ay market rates.
00:27.9
Sir Vince, ano itong defined?
00:29.7
Ang ibig sabihin ng defined,
00:31.1
mayroong nakaset na rules in computing the benefit.
00:35.6
Ito yung three computations natin,
00:37.1
option 1, 2, and 3.
00:39.6
depende eh sa performance ng market
00:41.4
sa nalagay natin na kondo.
00:43.0
May employer share sa Regular at saka sa WISP,
00:46.4
yung WISP Plus ay wala po siyang employer share.
00:49.2
Talagang individual siya.
00:52.4
meron itong government and employer
00:54.8
kasi may employer share dito sa WISP.
00:56.8
Pero sa WISP Plus,
00:58.4
sariling sikap na po talaga natin yan.
01:00.9
Kaya walang subsidy yan.
01:02.8
Ang monthly salary credit natin sa Regular
01:05.7
ay P1,000 to P20,000.
01:08.4
Actually makikita nyo yung iba P4,000
01:10.0
pero sa kasambahay po kasi ay meron pang P1,000.
01:14.2
greater than P20,000 to P30,000 for 2020,
01:18.2
3, and next year.
01:20.0
Pero 2025 ay up to P35,000 na siya.
01:24.2
greater than P1,000 na monthly salary credit po
01:27.7
pwede na tayo dyan.
01:28.8
Ang contribution,
01:30.1
kung tayo po ay self-employed or voluntary,
01:34.1
Ganun din sa WISP.
01:35.6
Kapag tayo ay empleyado,
01:37.2
mayroon niyang employer share sa Regular at sa WISP.
01:39.7
Pero kapag WISP Plus,
01:43.6
Yung pagbabayad ng contribution,
01:45.6
strict po talaga ang Regular at ang WISP monthly.
01:48.2
May mga deadlines nga yan
01:49.3
na dapat nating alamin.
01:50.4
Kung gusto mong maglagay ng contribution every day,
01:53.6
basta minimum P500 ha.
01:55.9
Pwede yan sa WISP Plus.
01:57.5
Ang benefit claim natin dito,
02:00.1
lump sum or annuity for WISP and Regular.
02:04.6
wala tayong choice.
02:05.6
Lump sum lang po yan.
02:07.9
Ang prinsipal sa WISP at sa WISP Plus
02:10.9
ay guaranteed ng gobyerno.
02:14.2
kasi ang WISP Plus ay kakalunch lang ngayong taon.
02:18.0
Pero yung WISP noong 2021 ay 6.39%.
02:21.3
So kudos naman sa SSS.
02:22.9
Kasi 4.5% ang kanilang target.
02:26.4
Ang earnings dyan ay nag-co-compound.
02:29.0
Kaya lumalaki-over ka na yun.
02:31.1
automatic yan for WISP.
02:32.9
Para sa WISP Plus,
02:34.7
you have to go to member.gov.sss.ph
02:38.8
para kayo ay makapag-enroll.
02:41.2
Ang early withdrawal,
02:42.7
hindi allowed sa WISP.
02:44.6
Ito naman ay allowed after one year sa WISP Plus.
02:49.5
Saan ito ililalagay?
02:51.7
75% government securities,
02:54.0
10-20% ng blue-chip corporations naman para sa WISP.
02:59.6
meron tayong 15-100% government securities,
03:02.9
maximum 20% corporations or multilateral institutions,
03:07.5
maximum 25% loans to WISP members,
03:11.8
maximum 30% for BSP-approved investments,
03:15.3
at maximum 70% to pensioners.
03:18.8
Sir Vince, ano naman ang dapat gawin ng gobyerno?
03:20.9
Paano napaganda pa talaga itong SSS?
03:22.9
Dapat ang gawin talaga ng gobyerno ay
03:26.8
protektahan ang pondo.
03:29.0
Yan yung pinaka-unang-una talaga na dapat gawin.
03:31.6
Kaya nagustuhan ko yung reaction ng mga tao
03:34.0
na may involvement dati ng Maharlika, ganyan-ganyan.
03:36.6
Sana po talaga ay panindigan na poprotektahan ang pondo ng SSS.
03:41.6
Padaliin din dapat ang mga proseso,
03:44.3
maski ang pagbabayan.
03:45.6
Kasi yung proseso ng pag-claim,
03:48.7
medyo mabagal-bagal pa rin talaga.
03:51.0
Magbigay din ng preferential rates sa mga government bonds
03:55.0
na bibilhin ng SSS
03:57.5
para talagang sigurado na nag-grow siya.
