was successfully added to your cart.


Maganda bang ang Pag-IBIG MP2 as emergency savings?

Oo, naman.

Let’s use the SEXY savings and investment framework to evaluate. S stands for secure, E for encashability or liquidity, X for X-factor as a socially responsible and environment-friendly instrument and Y for yield.



Laging tandaan na ang emergency savings natin first and foremost dapat secure. Your money is safe and capital is preserved. May 100% government guarantee ang MP2 at hindi mababawasan ang pera kahit ipreterminate mo pa ito.


Encashable (Liquid)

It should also be liquid, easy to access with little time. Ito ang major drawback ng MP2 as emergency savings dahil 10-15 working days ang processing.

Kaya as your financial guro, I advice you to place your emergency savings in other financial instruments such as ATM, digital banks, passbook accounts and time deposit in banks and cooperatives aside from Pag-IBIG MP2.


X-factor – socially responsible and environment firendly

Ang X-factor ng MP2 ay ang mga programa nito para sa housing program ng low-income Pinoys. Socially responsible!



Lastly, dapat ang yield o kita ng emergency savings mas mataas kaysa inflation para preserved ang purchasing power nito. Bukod sa tax-free, ang MP2 dividend rate easily beat inflation rate since 2012. We take full advantage of compounding effect.

Sa Pag-IBIG MP2, secure ang pera, malaki ang kita nakatulong ka pa sa kapwa.


Ako si Sir Vince, nagsasabing ang pagyaman, napag-aaralan at napagtutulungan.


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

Watch videos on money management

Watch Usapang Pera episodes

Subscribe to Usapang Pera Youtube channel


Get in touch with Sir Vince

Message Sir Vince through FB messenger

Send an email to Sir Vince

Like Vince Rapisura page


Join online groups of Sir Vince

Join Usapang Pera Group

Join Sir Vince blog newsletter



Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

%d bloggers like this: