Ang SSS ay may tatlong retirement building blocks: Regular, WISP, at WISP+ - ano ang pinaka-fit sayo? #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 Parenting Board of Expert

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Yung ating SSS Retirement Building Blocks,

i-summarize natin siya.

Meron tayong Regular SSS,

meron tayong WISP at saka WISP Plus.

Sa requirement natin,

ang Regular at saka ang WISP ay mandatory,

ang WISP Plus ay voluntary.

Sa returns,

defined and usually greater than market rate,

ang Regular,

ang WISP at saka ang WISP Plus ay market rates.

Sir Vince, ano itong defined?

Ang ibig sabihin ng defined,

mayroong nakaset na rules in computing the benefit.

Ito yung three computations natin,

option 1, 2, and 3.

Dito kasi,

depende eh sa performance ng market

sa nalagay natin na kondo.

May employer share sa Regular at saka sa WISP,

yung WISP Plus ay wala po siyang employer share.

Talagang individual siya.

At yung subsidy,

meron itong government and employer

kasi may employer share dito sa WISP.

Pero sa WISP Plus,

sariling sikap na po talaga natin yan.

Kaya walang subsidy yan.

Ang monthly salary credit natin sa Regular

ay P1,000 to P20,000.

Actually makikita nyo yung iba P4,000

pero sa kasambahay po kasi ay meron pang P1,000.

Ang WISP,

greater than P20,000 to P30,000 for 2020,

3, and next year.

Pero 2025 ay up to P35,000 na siya.

Sa WISP Plus,

greater than P1,000 na monthly salary credit po

pwede na tayo dyan.

Ang contribution,

kung tayo po ay self-employed or voluntary,

sa Regular,

tayo magbabayad.

Ganun din sa WISP.

Kapag tayo ay empleyado,

mayroon niyang employer share sa Regular at sa WISP.

Pero kapag WISP Plus,

sariling sikap.

Yung pagbabayad ng contribution,

strict po talaga ang Regular at ang WISP monthly.

May mga deadlines nga yan

na dapat nating alamin.

Kung gusto mong maglagay ng contribution every day,

basta minimum P500 ha.

Pwede yan sa WISP Plus.

Ang benefit claim natin dito,

lump sum or annuity for WISP and Regular.

At sa WISP Plus,

wala tayong choice.

Lump sum lang po yan.

Lahat.

Ang prinsipal sa WISP at sa WISP Plus

ay guaranteed ng gobyerno.

Ang returns,

kasi ang WISP Plus ay kakalunch lang ngayong taon.

Kaya wala pa.

Pero yung WISP noong 2021 ay 6.39%.

So kudos naman sa SSS.

Kasi 4.5% ang kanilang target.

Ang earnings dyan ay nag-co-compound.

Kaya lumalaki-over ka na yun.

Ang enrollment,

automatic yan for WISP.

Para sa WISP Plus,

you have to go to member.gov.sss.ph

para kayo ay makapag-enroll.

Ang early withdrawal,

hindi allowed sa WISP.

Ito naman ay allowed after one year sa WISP Plus.

Saan ito ililalagay?

Na investment.

75% government securities,

10-20% ng blue-chip corporations naman para sa WISP.

Sa WISP Plus,

meron tayong 15-100% government securities,

maximum 20% corporations or multilateral institutions,

maximum 25% loans to WISP members,

maximum 30% for BSP-approved investments,

at maximum 70% to pensioners.

Sir Vince, ano naman ang dapat gawin ng gobyerno?

Paano napaganda pa talaga itong SSS?

Dapat ang gawin talaga ng gobyerno ay

protektahan ang pondo.

Yan yung pinaka-unang-una talaga na dapat gawin.

Kaya nagustuhan ko yung reaction ng mga tao

na may involvement dati ng Maharlika, ganyan-ganyan.

Sana po talaga ay panindigan na poprotektahan ang pondo ng SSS.

Padaliin din dapat ang mga proseso,

maski ang pagbabayan.

Kasi yung proseso ng pag-claim,

medyo mabagal-bagal pa rin talaga.

Magbigay din ng preferential rates sa mga government bonds

na bibilhin ng SSS

para talagang sigurado na nag-grow siya.