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Understanding PERA account

Ang Personal Equity and Retirement Account o PERA ay isang financial instrument para sa retirement na isinabatas ayon sa Republic Act 9505 noong 2008. Ang layunin nito ay para maitaguyod at maisulong nito ang capital market at savings mobilization.

Likas na katangian ng PERA

 Ang PERA ay isang personal account na boluntaryong binubuksan. Ibig sabihin, hindi ito sapilitan at hindi rin required.

Ito ay kinakailangang buksan sa layuning paghandaan ang retirement. Ibig sabihin, dapat long term ang iyong investment objective. Sa katunayan, maari mo lang ma-withdraw ang iyong investment kapag umabot ka na sa edad na 55.

Pinapayagang maghulog ng pinakamataas na kontribusyong hanggang PhP100,000 per calendar year. Samantala, ang mga Overseas Filipino Workers (OFWs) naman ay pinapayagang maghulog hanggang PhP200,000.

Benefit ng PERA

May tax benefits tulad ng tax-free investment income at tax credit certificate. Ang tax-free investment income ay kasalukuyang ipinapatupad na, samantalang inaayos pa ng Bangko Sentral ng Pilipinas (BSP), BIR at iba pang ahensiya ng gobyerno ang tax credit.

Ang mga tax-free investment income ay ang mga sumusunod:

  • 20% withholding tax sa deposito sa mga bangko
  • Capital gains tax
  • 10% Dividend tax
  • Regular income tax

Ibig sabihin nito, kung ang napili mong investment na nakapaloob sa iyong PERA account ay may withholding tax sa deposito, capital gains, dividend at regular income tax, hindi mo na ito kailangang bayaran. Mapupunta ang tax savings sa PERA account mo.

vincerapisura.com


8 Comments

  • Neil says:

    Can PERA give a better return of investment due to its tax benefits than UITF if given the same investment horizon and fund allocation e.g., 5K/month on Equity Fund both to be claimed at age 55 (as retirement goal)?

  • Eddy Lane says:

    I’ve always wanted to open a PERA after BDO first offered it, but I’ve just been confused and overwhelmed as to the different people and institutions involved in the process. I’ve tried understanding it too but I find it quite daunting. Is the process to open and maintain one complicated? Or am I just overthinking it?

    • Vincent Rapisura says:

      It gets overwhelming for beginner investors. First you have to understand how the funds work within PERA and second, you also need to understand the provisions of PERA itself. But ones you understand these, it’s a breeze. You’ll appreciate the tax and long term benefits.

  • Bruce says:

    So saan po kmi mag enroll nito sir?

  • Flo says:

    Pano po ako makakaavail ng PERA?

  • Fred says:

    Hi Sir Vince,

    May UITF Account na ako. Automatic ba na nakapaloob na un sa PERA?

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