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Magkano ang pension sa SSS ng voluntary or self-employed?

Magkano ang kikitain sa SSS kung self-employed o voluntary member, may monthly salary credit na PhP20,000, at nakapagcontribute for 10 years?

 

Tingnan natin!

 

Ang required monthly contribution sa monthly salary credit na PhP20,000 ay PhP2,800.

 

Employee contribution2,800
Months x12
Annual contribution33,600
Yearsx 10
10-year contribution336,000

 

So in 10 years, makakapaghulog ng 336,000 ang self-employed o voluntary member.

 

Monthly pension9,000
Monthsx 12
Annual pension108,000

 

Ang monthly pension upon reaching retirement age nito ay PhP9,000 per month or PhP108,000 a year. Let’s compute the return on investment,

 

10-year contribution336,000
Annual pension÷ 108,000
Return on investment3.11 yeara

 

Within three years lang upon retirement, bawi mo na ang SSS contribution mo for 10 years. Akalain mo yan? Nagulat ka at mabilis no?

 

Let’s say, naenjoy mo ang pension mo for 10 years. Magkano ang kinita mo?

 

Annual pension108,000
Yearsx 10
10-year pension1,080,000
10-year contribution– 336,000
Net income744,000

 

Malaki pala ang kikitain ng pera mo sa SSS, no? Sa totoo lang, wala pa akong private pension product ang tatalo sa SSS. Kaya sa mga may duda sa SSS, sali na kayo! Admittedly, marami pang room for improvement ang SSS. Pero sana ay makita rin natin ang bright side nito.

 

Ako si Sir Vince, ang inyong financial guro, nagsasabing, ang pagyaman, napag-aaralan at napagtutulungan!

USEFUL RESOURCES

Sources of information and practical tips on money management

Different kinds of investments

Preparing for retirement

How are articles on retirement

  1. 10 Commandments of retirement
  2. Mga kinakatakutan ng retirees at paano ito paghahandaan
  3. Magkano ang matatanggap mong SSS pension upon retirement
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