Naghahanap ka ba ng investment na at least man lang ay kayang talunin ang inflation kada taon? MP2 ang makakasagot sa problema mo.
(Read: Paano magbukas ng MP2 account)
Inflation ang tawag sa pagtaas ng presyo ng bilihin. Kapag mas mataas ang inflation rate kaysa sa inikita ng investment mo, talo ka sa real growth.
Mahalagang talunin ang inflation para masigurong ang pisong pinaghirapan ngayon ay kaya pa ring bilhin ang mga goods and services in the future. This makes us financially secure.
Nagbibigay ng mataas na dividend ang Pag-IBIG savings na karaniwang mas mataas kaysa sa interest na makukuha sa bangko. Last year ang dividend rate sa Pag-IBIG Savings I ay 6.91% at mas mataas pa ang ibinigay na dividend sa Modified Pag-IBIG Savings II (MP2) na nasa 7.41%.
At 7.41% per annum tax-free dividend, you will be able to double your money in nine to ten years.
| Year | MP2 Dividend | P1 Dividend | Inflation |
| 2018 | 7.41% | 6.91% | 5.0% |
| 2017 | 8.11% | 7.61% | 2.9% |
| 2016 | 7.43% | 6.93% | 1.6% |
| 2015 | 5.33% | 4.83% | 1.4% |
| 2014 | 4.69% | 4.19% | 4.1% |
| 2013 | 4.59% | 4.09% | 3.9% |
As can be seen in the table above, both P1 and MP2 consistently beat inflation in the past five years. So it is a very good hedge against inflation and ensures that there is real growth in your money. Hindi na-erode ng inflation ang pera mo sa P1 or MP2.
Challenge in saving
Isa sa mga challenges nating mga Pinoy ay ang mag-ipon. Mahilig tayong gumasta dahil sa instant gratification.
Para ma-solusyunan ito, ugaliin lang na magtabi ng maliit na amount regularly. Isang mabisang paraan para gawin ito ay kapag automatic na nakakaltas ang savings sa ating suweldo, para wala na tayong iisipin.
May mga automatic debit arrangements na ino-offer ang mga bangko pero nakakawalang gana mag-save sa kanila dahil sa liit ng interest rate na matatanggap. (Watch: Budgeting rule)
MP2 savings
Ang Modified Pag-IBIG Savings II o MP2 ay isang savings program na open para sa lahat ng members ng Pag-IBIG. Open din dito para sa mga pensioners at retired employees na dating Pag-IBIG Member.
This is a voluntary savings program at ang minimum contribution dito ay PhP500 lang every month. Ang maganda rito, nakasaad sa Circular 407 ng Pag-IBIG na mas malaki ang dividend rate na ibibigay sa MP2 kaysa sa Pag-IBIG Savings I.
Long term savings
Five years ang term ng MP2. Dapat ituring na loang term investment ang MP2 savings dahil hindi ito basta-basta mawi-withdraw.
Puwede itong ma-withdraw before five years with the following circumstances:
- Total disability or insanity
- Natanggal sa trabaho dahil sa pagkakasakit – separation from work by reason of health
- Kamatayan
Dahil sa provision na ito, para sa akin, puwedeng ituring ang MP2 bilang bahagi ng iyong emergency savings. So make sure na ang ilalagay na pera ay naka-match sa mga financial goals na five years or more mo pa kakailanganin. (Read: Saan dapat nakalagay ang emergency fund o emergency savings)
Tax-free and government-guaranteed
Ang kikitaing dividend sa Pag-IBIG ay tax free kaya buong-buo mo itong makukuha, unlike sa savings sa bangko na may 20% withholding tax. Ang kabuuang Total Accumulated Value o yung pinagsama-samang contribution mo, employer counterpart at dividend ay 100% guaranteed ng gobyerno, unlike in banks na hanggang PhP500,000 lang ang covered ng Philippine Deposit Insurance Corporation (PDIC).
How to open an account
Mag-connect sa Internet at bisitahin ang Modified Pag-IBIG 2 Enrollment System. I-fill up ito at i-submit ang online application form.
I-print ang na-fill up na electronic form na nakalagay ang iyong MP2 account number. Pumunta sa pinakamalapit na branch ng Pag-IBIG at i-sumite ang electronic MP2 form.
Bayaran ang iyong contribution. Ganun lang ka-simple.
Talk to your employer
Kausapin ang HR ng pinagtatrabahuhan at ibigay ang MP2 account number mo sa kanila. Mag-request din kaltasan nila ang suweldo mo at i-deposit ito sa iyong MP2 account para automatic ang pag-iipon mo.
You can also convince your employer na magbigay ng counterpart sa MP2 mo as a form of incentive.
Better than other traditional investments
Sa totoo lang, better ang rates at guarantee na binibigay ng MP2 kumpara sa mga mutual funds and UITFs lalung-lalo na sa kung sa money-market funds, bond funds at balanced funds ito ikukumpara.
Kaya para sa akin, mas magandang dagdagan pa ang savings sa Pag-IBIG at ituring itong long term investment. Mahirap makahanap ngayon ng produktong nakapagbibigay ng mataas na kita, tax-free at 100% guaranteed pa ng government.
Higit sa lahat, nakakatulong ka pang palaguin ang pondong ginagamit ng gobyerno upang lutasin ang backlog natin sa pabahay.
Sir vince, what if my employeer will not participate. Can I pay my MP2 personally?
Hello sir Vince, happy blessed tuesday to you. Im currently reading and researching about the MP2. I originally plan to save and leave the money for more than 5 years, so the interest will continue to compound. However, i came across an article that mentions that if we dont withdraw the money after 5 years, the dividend rate that will apply will be computed from P1 which is lower, then after 2 years the account will no longer earn any dividends. Is this true? Does that mean we should just withdraw it every time it matures?
Thank you very much and more power!
I just saw your youtube video from Tokyo. You talked about MP2 and how you can use it as a retirement fund. Your advice is to open 1 MP2 account every year for 5 years, five years before you retire, so at retirement you will draw the MP2 that has matured that year and do that every year for 5 years. For example you want to retire at 60, at age 55 start the first mp2 account and put say 200k for that year and leave it. Start another mp2 account and put another 200k for the year or maybe more, repeat for 5 years. Leave all the dividends earned for all the accounts so the money will grow. At age 60 your first mp2 has matured and you can now withdraw the fund, and one mp2 account will mature every year till you hit 60.
That is a brilliant idea which if I never heard of you, would not come to mind. And best of all, all dividends are tax free.
I have a question though, How much does the MP2 account cost? Management fee or expense ratio?
I am also comparing it to the SSS flexi fund for OFWs which has a management cost of 1%.
No account cost. No management fee po. =)