#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 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 bit.ly/SEDPIPay Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... * How to invest: https://m.me/vincerapisura?ref=w13160758 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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So how to apply for WISP Plus?

Naay nako, ginawa ko na po yan kanina. Ang dali-dali lang. In fairness sa SSS, diba?

So ang kailangan lang natin gawin ay i-accept natin yung ating WISP Plus Terms and Conditions

na nakalagay sa ating my.sss account.

So pumunta lang po tayo sa member.sss.gov.ph at doon tayo magpapamember. Papakita ko sa inyo mamaya kung paano.

At dahil itong WISP Plus ay pang-augment sa ating retirement, you only have to apply only once.

So hindi katulad ng MP2 na pwede tayo magkaroon ng multiple accounts. Dito sa WISP Plus, isa lang ang ating magiging account.

Okay? What else? Yung membership natin dito pag nagpamember tayo, hindi po nag-expire yan. So tuloy-tuloy lang po yan.

At kinakailangan din na para mag-qualify tayo sa WISP Plus, wala pa tayong na-file na final benefit claim sa SSS

which is retirement or total disability.

So for example, yung mga magulang ko na sila ay nagpapensyon na sa SSS ngayon, hindi na po sila po pwedeng makapag-WISP Plus

dahil nakapag-file na sila ng final benefit claim.

Okay? So ano yung gagawin natin? How to apply? Sabi nga pumunta tayo sa member.sss.gov.ph at mag-login tayo sa ating my.sss account.

So yan po yung nakikita ninyo ngayon sa ating screen. Napalakihin ko para makita ninyo ha. Ayan. Okay.

Okay. Tapos pagkatapos natin yan, makapag-login, papasok tayo at pupunta tayo sa services and then i-click lang natin yang enroll to WISP Plus.

Pag-click natin niyang enroll to WISP Plus, lalabas na po yung ating enrollment. Ano yung status niya?

Kumapapansin ninyo, nakalagay dyan, WISP Plus enrollment ay wala pa pong date na nakalagay. So ibig sabihin hindi pa yan na naka-enroll.

So dito sa may bandang kanan, lower right natin, i-view natin yung terms and conditions. So yan yung kailangan natin gawin.

I-click lang po yan, view terms and conditions, at ito po ang lalabas. So nandyan na lahat ng mga terms and conditions ng WISP Plus.

Tapos i-click nyo lang po yung I accept. Kapag na-accept nyo na, yan na ang lalabas. Congratulations!

Kayo po ay successfully enrolled na sa WISP Plus. So yan po, nagawa ko na siya kanina.

At pag titignan natin siya, magkakaroon na ng date sa WISP Plus enrollment natin dito. Magkakaroon yan ng date kapag tayo ay enrolled na.

So ang WISP Plus, ito ay ang Voluntary Retirement Savings Program to Augment SSS Regular Social Security Program.

So ibig sabihin ito po ay pandagdag talaga sa ating retirement. Yan po yung kanyang main purpose.

At ang kagandahan po nito, kapag tayo ay naglagay dyan, yan po ay tax-free.

At itong WISP Plus, ang minimum contribution natin dito ay P500. So para rin siyang pag-ibig MP2, P500 din.

And you can also pay your contributions anytime. So hindi na kinakailangan ang SSS contributions kasi natin sa regular at sa regular WISP din.

Ito ay ibinibigay natin kada buwan at mayroon siyang deadline.

Itong WISP Plus, you can contribute anytime. Kahit araw-arawin mong gusto maglagay, nasa sa iyo yan.

Yung investment earnings ng WISP Plus ay mas mataas po kaysa sa kinikita natin kapag nilagay lang natin sa bangko.

So yun. And WISP Plus is also open to all SSS members regardless of their membership type.

So kahit na ikaw ay voluntary member, ikaw ay self-employed, wala po yung kinalaman kung pwede ka pong mag-diretso ng mag-WISP Plus.

Wala pong kinalaman yun. And wala din pong kinalaman yung declared monthly earnings and last posted monthly salary credit mo.

So kahit na kumari naglagay ka ng ikaw yung lowest monthly salary credit doon sa ating SSS,

pupwede ka pa rin maglagay ng kahit magkano doon sa WISP Plus mo kasi wala yang kinalaman doon sa monthly salary credit

at monthly earnings mo. Okay? So yan.

So yung SSS retirement program kasi natin. So ngayon pag titignan natin yung ating SSS retirement program, parang may layers-layers na siya.

So unang-una ay yung regular SSS natin which is compulsory. Ito po ay compulsory lalo-lalo sa mga employees.

Php20,000 po ito maximum. So hanggang dyan lang talaga yung salary credit natin doon sa SSS natin.

Tapos yung karagdagang Php10,000 doon, kasi yung pinakamataas na monthly salary credit ay Php30,000,

yung Php20,000 doon ay nagfufall under the regular SSS program, yung Php10,000 ay nagfufall under WISP which is also still compulsory.

Yung susunod na layer, itong bagong-bagong nga ay yung WISP Plus natin which is voluntary,

Php500 ang pinakamaliit na pwedeng ilagay to any amount. So kung gusto mong maglagay ng Php10,000,000, go ahead.

Kasi yan po ay wala naman yung limit. So tinatanong ni Rose sa atin, maganda daw ba yung WISP Plus?

I think to augment our retirement ay okay siya. Pero ang kailangan din natin tignan ay yung kanyang earnings.

Kasi hindi ko pa natche-check yung Flexi and Peso Fund performance before.

Pero kung better ito than the banks, okay naman. Pero sana ang maging peg kasi natin yung dividend ng Pag-ibig MP2.

So yun po.

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