Should I Save or Invest?

Karamihan sa atin ay tinuruan ang mga pakinabang ng pag-iipon ng pera mula sa murang edad, ngunit sapat na ba ang pag-iipon ng pera? Habang tumatanda ka, magkakaroon ka ng mas malalaking desisyon sa pananalapi na dapat isaalang-alang, tulad ng pagbili ng bahay o kotse. Bagama't mas mataas ang kita ng pamumuhunan kaysa sa pag-iwan ng iyong pera sa isang savings account, mas mapanganib din ito. Ito ang dahilan kung bakit madalas na nag-aalangan ang mga tao na magsimulang mamuhunan. Depende sa iyong mga maikli at pangmatagalang layunin, narito kung paano makatipid at mamuhunan ng pera nang matalino.

Pag-iimpok kumpara sa Pamumuhunan

Ang ibig sabihin ng pag-iipon ay ilagay ang iyong pera sa isang medyo walang panganib na bank account. Ito ay pera sa mga savings account na madaling ma-access kapag kinakailangan. Ang mga tao ay madalas na nag-iipon para sa hinaharap na gastos o isang pangangailangan.

Ang pamumuhunan, sa kabilang banda, ay kinabibilangan ng paggamit ng iyong pera upang bumili ng asset na bubuo ng mas mataas na kita, ngunit may mas maraming panganib na kasangkot. Kasama sa ilang uri ng pamumuhunan ang mga stock, mutual funds, real estate, shares at higit pa. Karamihan sa mga taong namumuhunan ay ginagawa ito upang mapalago ang kanilang pera at makamit ang mga pangmatagalang layunin sa pananalapi.

Pagpapasya sa pagitan ng pag-iimpok at pamumuhunan

Parehong may sariling benepisyo ang pag-iimpok at pamumuhunan. Karamihan sa mga tao ay madalas na nagsisimula sa pag-iipon muna, bilang isang safety net, sa kaso ng mga hindi inaasahang gastos o pagkawala ng kita. Ang iyong ipon o “emergency fund” ay dapat sumaklaw ng hindi bababa sa 3 hanggang 6 na buwan ng iyong mga gastos upang maiwasan ang stress ng mga problema sa pananalapi. Ang pangkalahatang tuntunin ay mag-ipon ng hindi bababa sa 10% ng iyong suweldo o hangga't kaya mo upang makamit ang seguridad sa pananalapi.

Kapag matatag ka na sa pananalapi at may kumportableng halaga ng pera na naipon sa iyong bank account, maaari mong isaalang-alang ang pamumuhunan. Bago ilagay ang iyong pera sa isang pamumuhunan, mahalagang isaalang-alang ang iyong mga layunin sa pananalapi. Kadalasan, ang iyong mga pondo ay kailangang manatili sa isang plano sa pamumuhunan sa loob ng 3-5 taon, depende sa uri ng pamumuhunan na iyong pipiliin.

Ang bentahe ng mga pamumuhunan ay na ito ay bumubuo ng mas mataas na kita kumpara sa pag-iwan ng iyong pera sa isang bank account. Sa inflation, minsan hindi sapat ang pagtabi lang ng pera. Gayunpaman, mahalagang tandaan na may mas mataas na panganib na kasangkot pagdating sa pamumuhunan at maaari kang mawalan ng pera kung hindi ka maingat. Kung mas mataas ang kita, mas mataas ang mga panganib na kasangkot. Samakatuwid, ito ang dahilan kung bakit dapat ka lamang mamuhunan ng pera na maaaring hindi mo kailangan sa nakikinita na hinaharap.

Kaya, alin ang mas mahusay?

Ang kumbinasyon ng pag-iipon at pamumuhunan ay pinakamahusay na gumagana. Una, magtrabaho patungo sa pag-secure ng isang malusog na halaga ng mga ipon sa iyong bank account. Pagkatapos, simulan ang pamumuhunan upang bigyan ang iyong pera ng mas maraming pagkakataon na lumago. Sa pagtatapos ng araw, kung gaano karaming pera ang napagpasyahan mong ilagay sa iyong mga ipon o pamumuhunan ay depende sa iyong mga layunin at pagpaparaya sa panganib.

Pagdating sa Financial Management, pwedi mo simulang mag save at mag invest dito:

• P1 (Pag-IBIG)
• MP2 (Pag-IBIG)
• GInvest (GCash)
• PHStock (GCash)
• Singlife (GCash)

▪︎ Wala kapa ba EMERGENCY FUNDS?

▪︎ Gusto mo ba magkaroon ng Emergency Fund mo at the same time kikita ng 5% interest rate p.a.?

Good news dahil may Promos for the early users of the Singlife Plan and Protect app?

You will get the following benefits if you download the app and cash-in at least PHP 1,000 to your Emergency Fund: 

1. Get 5% yearly interest rate during the App trial period and access it with the free visa debit card
2. A coverage of 6-month disability and life insurance, equivalent to 3X your monthly income
3. An access to personalized advice and meaningful insurance solution that fits the pocket!

Create Singlife Account for FREE Here

Are you looking for a STABLE Company, EXCEPTIONAL PRODUCTS and SOLID OPPORTUNITY?

Discover More about My Online Business Worldwide; 

🌏 LIVING IN ASIA & OTHER COUNTRIES

🌍 LIVING IN EUROPE & UK

🌍 LIVING IN USA & CANADA

If You're Interested, You May REGISTER ONLINE  for FREE here!

How To Set Up An Emergency Fund?

Ang paunang pagpaplano ay isang mahalagang salik sa paglampas sa anumang mga problemang nararanasan sa buhay. Totoo rin ito kapag inilapat sa mga tuntunin ng katatagan ng pananalapi. Walang sinuman ang makapaghula na ang pandemya ng COVID-19 ay magkakaroon ng napakalawak na kahihinatnan, na may mga taong nawalan ng trabaho at nahaharap sa mga problema sa pananalapi, lalo na ang mga hindi nag-set up ng isang emergency fund. Kaya naman, binibigyang-diin nito ang kahalagahan ng mga pondong pang-emergency sa mga kapus-palad na kalagayan tulad ng pandemyang ito.

Para sa mga interesado ngunit walang ideya kung paano bumuo ng isang emergency fund, narito ang ilang mga tip sa emergency fund upang maihatid ka sa tamang landas.

1. Suriin ang iyong kita at paggasta

Bago simulan ang isang emergency fund, kailangan mo munang malaman ang iyong mga gawi sa paggastos at pagkasira. Ikategorya ang iyong mga gastos at subaybayan kung magkano ang ginagastos mo sa pagkain, transportasyon, mga utility, entertainment, at iba pa. Mahalagang pag-aralan kung gaano kalaki ng iyong suweldo ang napupunta sa mga pangangailangan vs. Kapag nakuha mo na ang bilang na iyon, mas madaling mahihinuha kung magkano ang maaari mong i-save nang kumportable bawat buwan at kung saan maaaring kailanganin mong bawasan ang paggasta.

2. Magtakda ng layunin para sa iyong pondo

Kapag nagse-set up ng emergency fund, mahalagang tiyakin na mayroon kang layunin sa isip. Ang pagkakaroon ng isang malinaw na layunin at isang bagay na dapat gawin ay magpapanatiling motibasyon sa iyo na mag-ipon. Kapag nagsisimula, panatilihing nakikita at madaling makamit ang iyong mga layunin, at unti-unting gawin ang iyong paraan hanggang sa mas malalaking layunin. Ang isang tipikal na pondong pang-emerhensiya ay dapat sumaklaw ng humigit-kumulang 3 hanggang 6 na buwan ng iyong mga buwanang gastos, kaya tandaan iyon kapag nagtatakda ng layunin para sa iyong pondo.

3. Mag-ipon ng hindi inaasahan o dagdag na kita

Ang lahat o bahagi ng anumang hindi inaasahang kita ay dapat i-funnel sa iyong emergency fund. Ang hindi inaasahang kita ay maaaring mangahulugan ng pera na hindi mo inaasahang makukuha sa anyo ng isang mana, mga cash na regalo, panalo sa lotto, at iba pa. Itinuturing ding dagdag na kita ang mga income tax return at mga bonus, at dapat ding gamitin para mabuo ang iyong emergency fund.

4. Gumawa ng plano at manatili dito

Ang pagbuo ng iyong emergency fund ay nangangailangan ng wastong pagpaplano at disiplina. Gumawa ng hiwalay na account para i-deposito ang iyong mga ipon. Ang account na ito ay dapat manatiling hindi nagalaw maliban kung may emergency. Makakatulong ang mga awtomatikong pagbabayad sa account na ito upang mabawasan ang tuksong gumastos. Unahin ang iyong kinabukasan at katatagan sa pananalapi bago isipin ang paggastos ng iyong pera.

Pagdating sa Financial Management, pwedi mo simulang mag save at mag invest dito:

• P1 (Pag-IBIG)
• MP2 (Pag-IBIG)
• GInvest (GCash)
• PHStock (GCash)
• Singlife (GCash)

▪︎ Wala kapa ba EMERGENCY FUNDS?

▪︎ Gusto mo ba magkaroon ng Emergency Fund mo at the same time kikita ng 5% interest rate p.a.?

Good news dahil may Promos for the early users of the Singlife Plan and Protect app?

You will get the following benefits if you download the app and cash-in at least PHP 1,000 to your Emergency Fund: 

1. Get 5% yearly interest rate during the App trial period and access it with the free visa debit card
2. A coverage of 6-month disability and life insurance, equivalent to 3X your monthly income
3. An access to personalized advice and meaningful insurance solution that fits the pocket!

Create Singlife Account for FREE Here

Are you looking for a STABLE Company, EXCEPTIONAL PRODUCTS and SOLID OPPORTUNITY?

Discover More about My Online Business Worldwide; 

🌏 LIVING IN ASIA & OTHER COUNTRIES

🌍 LIVING IN EUROPE & UK

🌍 LIVING IN USA & CANADA

If You're Interested, You May REGISTER ONLINE  for FREE here!

Magkano na ang monthly sa Pag-IBIG ngayong 2024?

 FOR MANDATORY MEMBERS: Magkano na ang monthly sa Pag-IBIG ngayong 2024? 

With Pag-IBIG's new savings rate in effect this February, see the table below to know your contribution based on the type of your membership.

REMEMBER, your Pag-IBIG Monthly Savings earn dividends and will be given back to you upon maturity as your "lump sum!" Ibig sabihin, bawat pisong hulog mo ay ipon na babalik sa'yo ng mas malaki! 💡

Double Your Savings

Doble ang savings, doble ang "lump sum" sa future. 🙌

Ang Pag-IBIG contributions mo ay Pag-IBIG Savings mo! Kaya simula February 2024, 'pag dumoble ang savings mo, do-doble din ang lump sum na makukuha mo! May kasama pang mas malaking dividends! 

Ang Pag-IBIG Savings mo ay babalik sa 'yo kaya see the sample computations below ⬇️

Pag-IBIG Gets ECOP Support on New Contribution Rates 2024

Pag-IBIG Fund gained the support of the Employers’ Confederation of the Philippines (ECOP) on its plan to increase the monthly contribution (savings) rates for both employers and members, the agency’s top executive announced Tuesday (09 January).

With the agency gaining ECOP’s support, Pag-IBIG Fund has now secured both employer and labor groups’ backing as it plans to increase its nearly four-decade old savings rate this year.

“Over the years, Pag-IBIG Fund and ECOP have engaged in productive discourse to help shape responsive policies for the benefit of our stakeholders. We appreciate their recognition of the need for us to finally implement our new rates, after having deferred its implementation since 2021, so that we can increase our members’ benefits, address the growing loan demand of our members, maintain the affordability of our home loans, and ensure the sustainability and growth of Pag-IBIG Fund,” said Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta.

Under Pag-IBIG Fund’s new savings rates, the maximum monthly compensation to be used in computing the required two percent (2%) employee savings and two percent (2%) employer share of Pag-IBIG Fund members shall be increased to ten thousand pesos (P10,000), from the current five thousand pesos (P5,000). As a result, the monthly savings of Pag-IBIG Fund members, for both the employee’s share and the employer’s counterpart, shall increase to two hundred pesos (P200) each from the current one hundred pesos (P100).

In 2019, agency officials approved the increase of its members’ monthly savings rates after obtaining the concurrence of stakeholders to implement a planned increase in 2021. During that time, the agency saw the increase necessary as it projected that the amount of loans disbursed will eventually outpace the total collections from both loan payments and members’ savings. However, recognizing the effects of the pandemic to the economy, requests made by the business community led by ECOP, and the directive of President Ferdinand Marcos, Jr. early last year to provide workers and employers with relief from the continuing effects of the pandemic, Pag-IBIG Fund deferred the implementation of the new rates in years 2021, 2022 and 2023.

“For three consecutive years, Pag-IBIG Fund heeded our request to postpone the implementation of their new monthly savings rates in view of the difficulties brought by the pandemic. This time around, after having discussed the need for its implementation, we pose no further objection to their plan to push through with it this year,” said ECOP Honorary Chairman and President Sergio Ortiz-Luis, Jr.

p>“Our support is also a reflection of how we have seen Pag-IBIG Fund properly manage the funds that their members entrust to them. We also understand that the increase in Pag-IBIG’s savings rates means added benefit for their members, as this equates to an increase in their forced savings,” Ortiz-Luis added.

ECOP is one of the largest organizations representing employers in the Philippines. It serves as the umbrella organization for the country’s business community on important national issues on employment, industrial relations, labor issues and related social policies.

P1 Increase Rates 2024

The Trade Union Congress of the Philippines (TUCP) has expressed its support to Pag-IBIG Fund’s plan to increase the nearly four-decade old mandatory monthly savings rate for both members and their employers starting January 2024.

In its letter to Pag-IBIG Fund, the TUCP reiterated its position in 2019 supporting the agency’s planned increase. The trade union is one of the country’s largest labor organizations and is composed of 27 labor federations representing workers in the private and public sectors, seafarers, Overseas Filipino Workers (OFWs), and workers from the informal sector.

“The TUCP believes that the adjustment in the savings rates will double the amount of members’ maturity claims, as well as other important benefits of Pag-IBIG (Fund) members, such as cash loans, calamity loans and housing loan entitlements. In addition, an adjustment is necessary to restore the lost real value of the P100 minimum contribution which was set all the way back in 1986,” said Atty. Raymond Democrito T. Mendoza, who serves as President of the TUCP and as Deputy Speaker of the House of Representatives.

“The TUCP also recognizes the pivotal role of the Pag-IBIG Fund in ensuring continued access to affordable housing loans. Increasing the rates shall enable the (Pag-IBIG) Fund to sustain its affordable home loan interest rates,” Mendoza added.

Under Pag-IBIG Fund’s new savings rates, the maximum monthly compensation to be used in computing the required two percent (2%) employee savings and two percent (2%) employer share of Pag-IBIG Fund members shall be increased to ten thousand pesos (P10,000), from the current five thousand pesos (P5,000). As a result, the monthly savings of Pag-IBIG Fund members, for both the employee’s share and the employer’s counterpart, shall increase to two hundred pesos (P200) each from the current one hundred pesos (P100). Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta, meanwhile, expressed her appreciation for the support of the TUCP. She assured the trade union federation and Pag-IBIG Fund members of better benefits as the agency prepares to implement the new rates.

“We thank the TUCP for supporting our plans, and for recognizing that raising our monthly savings rates will allow Pag-IBIG Fund to continue to provide affordable home loans to its members in the coming years. It is also important to note that the increase in our monthly savings rates shall benefit our members the most because every peso they save will go to their Pag-IBIG Savings. Under our new rates, they will have higher Pag-IBIG Savings that earn annual dividends, which they shall receive upon membership maturity or retirement. And, because of their higher savings, they shall also be entitled to higher multi-purpose and calamity loan amounts to help them with their financial needs,” Acosta emphasized.

Source: Pag-IBIG Fund

Pag-IBIG Member Contributions Increase Starting in February 2024

Pag-IBIG Doubles Member Contributions to P200/month

MANILA — Pag-IBIG Fund has announced a 100-percent increase in member contributions starting in February 2024.

Pag-IBIG CEO Marilene Acosta said the new contribution will be P200, up from P100. Employers are mandated to match contributions, which means members will be saving P400 a month.

Acosta said the increase in contribution would eventually bring benefits to member workers since it would also increase the loanable amount for short-term loans, increase savings for when they retire and continue to lower interest for housing loans.

According to Acosta, Pag-IBIG Fund would raise around P38 billion per year in additional revenue with the increased contributions, which will let it keep interest for housing loans at 6 percent a year.

SOURCE: ABS-CBN - iWantTFC

Ang Sarap ng May Pag-IBIG ❤️

Ang sarap ng may Pag-IBIG ❤️

Ang aming handog sa aming 43rd Anniversary ay ang Pag-IBIG na deserve mo. Ang Pag-IBIG na may assurance!

#IsangPagIBIGnaRamdamNgLahat