What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos?
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- เผยแพร่เมื่อ 15 ก.ย. 2020
- In this video, pag-uusapan natin ang Digital P.E.R.A. o Personal Equity and Retirement account recently launched by Bangko Sentral. Ito na kaya ang pinaka-magandang Tax-Free investment para sa ating mga Pilipino?
We will discuss the accredited administrators ng PERA, the different types of investments in PERA, how you can open your PERA account, and many more!
Ano ang Digital PERA? Ito pa rin ang PERA na isinabatas noong 2008 at inimplement noong December 2016 almost 4 years ago. Ngunit, mas pinaganda at mas pinadali ang Digital PERA para sa lahat ng mga Pilipino.
Sa digital platform maaari ka nang makapamili at makabili ng ibat-ibang lkaseng investment, mas mabilis na pag fund sa inyong PERA account, mamomonitor mo online ang inyong investment, at di hamak na mas mababang cost ang online transactions.
At hindi lang po iyan, maaari niyo po ma access ang inyong PERA account 24 hours a day, 7 days a week kahit saang panig kayo ng mundo using your mobile phone!
Ito ay panukala ng gobyerno sa pangunguna ng Bangko Sentral at iba pang mga ahensiya ng gobyerno,at mga market participants.
I've followed so many TH-cam Influencer, Sir. Fermin, kayo lang po ang pinaka detailed na magpaliwanag. Keep on uploading po, More Power!
Thanks po and good luck.
kaya nga thank you po talaga sir fermin idol kopo kayo at napakalinaw ng paliwanag nyo mabilis maintindihan direct to the point walang paligoy ligoy...
@@KAGITARISTA thank you very much po. I really appreciate your kind words po. Ingat po kayo palagi.
Agree!!!!
There's Vince Rapisura, he also one of the best financial gurus.
Ang galing nang explanation, mahinahon at slowly, ang galing kaya thumps up ako sayo
Salamat po sa mga videos nyo,sir.
Kodus! for explaining it very clearly!
Maraming salamat sir! Klarong klaro po ang explanation.
Welcome po Ana and good luck.👍
Thank you again very informative
thank you so much sir sa info.godbless
Welcome po and good luck.
salamat po sa malinaw at kalmadong paliwanag Sir!👍
Welcome po.
Ngayon ko pa lang na panuod. Maraming salamat sir
Good luck po and enjoy.
Thanks sir Fermin. Very detailed
Welcome po and good luck.
Thanks sir..
Well explained..
More videos for this topic
Good luck and noted on your request.
more power po ,ang linaw po nyong magpaliwang..very imformative
Welcome po and all the best.
Salamat po sa topics na ito , now ko lang nalaman ito
Welcome po and good luck.👍
Very detailed explanation ..
Good job
Thanks a lot. Good luck po.
Napaka klaro thanks
thanks and good luck.
You are really amazing sir, the way you explained it...its very easy to understand.
I'm glad i found your channel. Thank you for sharing your knowledge about investing.
Thanks you Sir. For your new informative video.
Welcome po and good luck.
If you're 45 years old and below, I suggest that you get the equity fund, because its for long term.
Fully agree Joshua.
Wow! Thank you again Sir Fermin! New learning nanaman ito Big help po. May video na po ba kayong step-by-step how to open P.E.R.A Account? And video update po kung nakapag invest na kayo sa P.E.R.A? Thank you po ulit. More poer and God bless
Very informative! Thank you for this! Keep making videos like this. Kudos!:)
Thank you! Will do! Good luck po.
Thank you for this video, sir. Very informative. Waiting po for the follow-up videos. More power!
Opo pasensiya na po kayo at medyo busy po tayo. Welcome po and good luck.
sir sobrang thank you po .so helpful po ito para sa amin..
Welcome po Arfil. All the best and good luck po.
GOOD MORNING FROM ABUDABI.WELL EXPLAIN SIR FERMIN👏👏👏KEEP IT UP AND GOD BLESS YOU
Welcome Rey and all the best.
Ang taas naman return ang liit ng actual minus inflation.
Thank you so much Sir for your detailed and clear explanation of PERA, this helps me a lot and I learned something about PERA😍
I need this one. Thanks for the information.
Good luck.👍
Salamat sa kaalaman po
welcome po and good luck.
I like the way you explained Sir, Direct to the point. Walang mekus mekus!!
Very well explained
thanks Chin. all the best and good luck.
Good presentation sir, it's clear and helpful for everybody, but reduce a little bit your speed in explaining something, para mas clearer sir. Thanks.
Galing ni sir magpaliwanag
salamat po sa shinishare nyo pog kaalaman! alam ko pong d madaing gumawa ng mga ganitong klaseng video.thumbs up po!
Thanks for your kind words. All the best.
salamat po sir. may natutunan po..
Welcome po JA and good luck.👍
Magaling la sir mag explain.
thanks a lot Gemmo. good to know that. good luck po.
Salamat po sir Fermin
Welcome po Luis.
I invested sa Mp2 way back then dahil sa video nyo about it, now I'm just learning din ung P.E.R.A. Di ko rin inexpect na ganun palang kakaunti ang nag iinvest dito. Good financial vehicle din to para sa retirement fund ko. Again, thank you for this informative video.
Pwede po paexplain yung about sa tax credit? What if working sa private sector and yung company yung nagbabayad sa BIR ng Tax withheld, pano magagamit yung tax credit?
Thank you for the info.
Very informative , Thanks Fermin ! napagaling mo magpaliwanag .
Thanks Rowena. All the best.
Salamat po ..
Welcome po and good luck.
Very clear magexplain naiintindihan ng zero knowledge sa mga investments na ganyan like me..step by step talaga ty very much
Good to know that po. Good luck po.
Watching from Bacoor, Cavite.
Enjoy watching po.
Watching it again after the live show.
Thanks Jon. Enjoy watching po.
Sir,how to invest PERA po ,dito ako sa Singapore now..saan pde maka-invest dito? Thanks po kung masagot..🤗
More power to your channel
@@joycediamante263 you can go to lucky plaza and inquire sa BPI or BDO branch nila diyan. Pwede rin po kayo magopen online thru pera.seedbox.ph ng ATRAM. Gagawa po kami ng video ukol dito. Good luck.
Ngayon ko lang din nalaman.
Good luck po.
Thank you talaga ka Fermin. Laki talaga ng tulong mo sa amin
Youre welcome po Ka Joel. Ingat po kayo palagi and God bless. Anong lokal po ba kayo?
Lokal ng Pyeongtaek po. Remember BTP. Band Together Pyeongtaek hahaha
@@kajoelbasas awesome! Wow! I like all your renditions po. All the best po Ka Joel. Ingat po kayo palagi and regards po sa ating mga kapatid diyan.
Thank you Sir!very informative.make a new video poif may update about PERA. Godbless:)
We will. Good luck.
Sir ang galing nio mag paliwanag more power and god bless you.
thanks Mae. good luck po.
S
Hi sir. The new viewer here. Thank you and god bless more to your very informative vlog.
Ask ko lang po. Sa Pera po lumpsum na 100k or 200k every year, wala pong monthly unlike sa mp2 po na available ang different contribution if ever hindi afford a yearly lump sum.( It's just my Clarification). Thank you again.
@@melodiegicana6744 hindi po. Sa paghuhulog depende kung ano ma afford po ninyo. Good luck po. Hindi kailangang 100k agad.
Salamat po
Welcome po and good luck.👍
That's compounding for you that's why time in the market beats timing the market
Agree.
Nice video dagdag kalaman
Welcome po and good luck.
New subscriber here Sir,para maka-gain ng kaalaman about investment or panu maalagaan Ang income here in abroad at may mainvest din before mag retire..
Awesome! Good luck Joyce.
You are so amazing Sir! I never heard of that "PERA" until I check your video. Thank you so much & God bless.
thanks and good luck.
For me the best pa rin ang Mp2. Thanks anyway for sharing your ideas about pera.
Ayos👍
Thank you so much po sir Fermin👌 madali Kong naintindihan Ang inyong explanations at sigurado na po ako ngayon Kung saan ko po dapat i-invest Ang aking pera for retirement.
Wow, all the best po and good luck!👍
Thank you
Welcome po and good luck.👍
thanks so much po...malinaw, simple po ang pagkakaexplain nyo kaya po madaling maintindihan.
mag invest ako sa PERA.
thanks po and God bless
Welcome po and All the best po!
Well explained po
Thank you po and good luck.👍
Sir, ask ko lang po if kamusta na po ung PERA account nio up to this year 2021? May mga new info po b kau na nalaman? Salamat po
thank u for this.. you explained it very well.. im planning to open mine this year.. i didnt know this before.. im one of the lucky Filipino today..God Bless
Wow, good to know that po. All the best po.
ito dapat tinuturo s school... elementary p lng sna tinuturuan ng mga ganito...
thank you po.
Hi sir! Question lang po. Pwede ba yung less than 100k/year and ung mga naghahawak (bdo, bpi, atram) ay tumatanggap ng auto deduction sa debit account (parang eip ng bdo)?
gonna try this
All the best and good luck po.
Thnks
now ko lng napanood e2.salamat sir sa info..kaso need tin number.hirap kumuha pg ofw
Pwede po kayo patulong sa inyong mga kamag anak sa Pinas.
Salamat kaayo sa tips
Good luck po and Ingat po Dodoy.
Thanks Fermin
Welcome.
Good day sir panu po mgapply s PERA at mgkanu po hulog monthly ...Thanks po...stay safe us all....
Thanks for this video! Interesting investment with tax benefits! Since mga mutual funds po ang mga type of investment, mgkano po management expense ratio (in percent) ? paano po ito ibabawas every year, base on total investment cost or total market cost?
Expenses in mutual funds are already reflected in the NAVPS. They are based on total AUM asset under management. AUM is the total collective money of all investors in the mutual fund. So if the total money is P1Billion and the total expense ratio is 1%, then P10million is deducted from the find every year - may kita man o wala ang fund. The P10million is accrued daily and reflected in the NAVPS of the fund at the end of each trading day. Good luck!
Hello Sir! Napakagaling nyo po, mabilis po maintindihan. Btw, sa kalagayan po ng economy ngayon, maiaadvise mo po ba ang PERA? O better mag business? Can you compare PERA and MP2? Thank you so much!!
Thanks po DWT. I will note on your request po. Pagdating po sa investments, you dont wait for the "RIGHT TIME". Today is the right time. The business climate is very risky in my opinion.
salamat po dito sir, na re-kindle tuloy yung aking seedbox na hindi matuloy tuloy, (di kasi nagpproceed dati) pero ngayon ay ok na ang seedbox,
Don't invest in PERA. It is not good. Invest in MP2 better
Very clear po 👏👏. Sir Fermin, ff up question lang po, with the 5% tax credit, does it mean we just need to present it with your employer here in the Phils to avail?
Not so sure about this. But yes, please let your employer know and maybe you need it to be submitted to BIR if na deduct na po lahat ng taxes ninyo.
Sir yung contribution per year kelan mag start yun? Simula ba sa pag open mo ng account or kung kelan nag start yung program?
Sir follow up videos please po🙏
Nka 7 videos po ako this morning while preparing breakfast ng mga amo keep it up.
Super inspiring po tlga mga videos mo
wow, thanks for your support Leennn. will do that so please watch out.
Thank you for well explained financial product coming from the government, Millennial po ako, and I have been exhausting my money to luxury brand and gadgets na in long time mag expire na din. Thinking that would be a good investment (in which I am very wrong). I go to precious metals (Gold) pero not enough due to exorbitant and bloated prices of those makers, parang di lang precious metal ang binili ko pati brand nag jewelry store. I just know this today, I am already attune to BDO PERA program nag enroll na ako. Gonna spread the news sir! Kudos!
That's awesome @Neil. I am very happy and proud of your progress. All the best and good luck in your journey.
I saw this video and it inspired me to choose PERA to invest and save for my retirement. My experience in opening an account is a bit disappointing. The 15 minute video call became 3 minutes and I was just told that I will receive an email for further instruction. Lo and behold, I learned that my request has been declined due to missing/incorrect settlement info. This is something that I should have been informed from the video call. Then when I updated the required details I have to go through another call. It's just unfortunate that I work night shift and I have to wait another hour and a half to get this done. Very disappointing. Sana natulog n lang ako. Also, I tried their live chat, no one is responding. Hope this helps esp.those folks n night shift din ang work. Baon kayo ng patience aside from pagpipigil sa antok. Maybe in the future they will improve their process and make it more convenient so more Filipinos will take time to invest in PERA.
Edit: PERA verified my account after the update I did and wala na video call. Thank God pwede na matulog ng mahimbing 😆
sorry to hear your bad experience. but then congratulations pa rin po! good luck!
Secured po ba yan sir sa mga hackers? para di makuha yung account?
slmat sir fermin..😄😄😄
Welcome po and good luck.
Dami ko pong ni follow na nga mga nagtuturo ng financial literacy at investments pero kayo lang po ang maliwanag at naiintindihan ko..thank u po mentoring sir. Araw2 ko po kayo pinapanuod.
Thank you po. I really appreciate your kind words. Its good to know po na may napupulot po kayong aral sa ating channel. All the best po and good luck.
same din po sir paulit ulit ko po pinakikinggan at pinapanood mga videos niyo more power and more videos to upload pa po God bless..
@@nancyespina846 thank you Nancy. Sana may natututunan po kayo. All the best po and good luck.👍
Update po! 😊 just discovered this. More insights po sana or updates sa PERA
God bless po
Thank you po.
Sir question po. Monthly po ba itong hinuhulugan or kelangan one time annual payment of up to 100k ang kelangan? Thank u po
Kasama na po ba sa hypothetical computation po un 5% income tax credit? Salamat po! Very informative po itong video mabuhay po kyo sir!!👍🏽👍🏽
Hindi po kasama diyan ang 5% tax credit. Ibang benefit pa po iyon.
Thank you so much for this valuable information, sir! I'm a first-year accountancy student and I learned a lot in this video that is aligned in my accounting and law subjects!
Good to know that Jonathan. All the best and good luck po.
@@ofwpower Saan at paano mag apply sir? under sa BSP to sir not landbank or pag ibig?
Good afternoon sir..ndi q po masyado maintindihan yung computation..sna may katulad ng explanations kgaya ng MP2 sir..
Thank you for sharing your knowledge to us sir. It's not a waste of time na pinanood ko po ito. Naka 3 videos nyo po ako today.
May video po ba kayo comparing PERA and UITF. May UITF na po kasi ako sa BPI. napansin ko parang same lang yung PERA at UITF.
You can view our videos on PERA po. Hope this will answer your questions. Enjoy!
P.E.R.A.
- [ ] Taxes (Part 2) - How to Minimize the Impact of Taxes on Your Investment Returns - th-cam.com/video/Aea89drtO3c/w-d-xo.html
- [ ] Taxes (Part 1) - How to Minimize the Impact of Taxes on Your Investment Returns - th-cam.com/video/jCU0D2g_Meo/w-d-xo.html
- [ ] Is PERA Investment Guaranteed? Part 3 Question and Answer on PERA Investment - th-cam.com/video/Kd-KXkvdZwA/w-d-xo.html
- [ ] How to Open PERA Account Online - Step by Step - th-cam.com/video/1WjXVT7PV6Q/w-d-xo.html
- [ ] MP2 versus PERA: Part 2 - Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - th-cam.com/video/44miI_8EQsM/w-d-xo.html
- [ ] Part 1: Question and Answer on P.E.R.A. - Personal Equity and Retirement Account - th-cam.com/video/JCXZS35OT6k/w-d-xo.html
- [ ] What is PERA (Personal Equity and Retirement Account)? The Best Tax Free Investment for Filipinos? - th-cam.com/video/4yqcFYT5kVI/w-d-xo.html
@@ofwpower Thank you po!
@@lyshan12 welcome po.
Sir bali pag may binebenta kang property yung CGT is pwedi na d bayran I mean E ddrtso na sa PERA?
Ang Ganda po sir , kaya lang 53 yrs. old na ako , its too late na 😞
You can still invest - if you want.
salamat po sir sa info.
hopeless case na po pala ako na mag invest sa PERA
55 yrs old na po ako
sayang😒
You still can po Ate Estelita. Everyine can. You just need to contribute for 5 years to take advantage of the tax free incentives.
I hope someday may enough na akong pera para makapag start na akong mag invest
napaka importante po talaga ang mag invest pra po di magiging kawawa pag matanda na
God bless po..always here waiting for your uploads
Awesome! Thanks Ella. Good luck po amd God bless.
Yes ako ngstart ng Mp2 at SSS
@@argailarnisto5493 good luck.
Please discuss the risks... chances that meager interest shall be earned and even the chance of losing a portion of one's investment.
You youre risk averse, Equity Fund is not right for you. You will know Your risk profile upon enrolment.
Thanks sa insert nitong P.E.R.A
For me mas ok pa rin pala ang COL. Ayon sa aking nakikita. 😊
Watch out po of our upcomimg PERA videos.
Magkanu po dividend?
@@efrenocampo6578 depends on thr type of investment.
Good day! Thank you sa malinaw na pagkaka explain.. Question po, automatically po kasi nakakaltas ang PERA sa amin as stated po sa payslip. Paano po namin malalaman kung saan po ito nainvest since hindi po kami yung voluntarily na naghulog.. Gov't employee po ako.. ☺️
Congratulations po. You need to ask your HR or Finance po about the detailes of your PERA investment. Sa pagkakaalam ko po kayo po ang dapat magsasabi kung saang investment ninyo ito ilalagay. Good luck po.
Sir Fermin saan po pwede mag fund ng seedboxph?
Sa BDO, 1% po ang management fee and 50 peso trust fee per transaction. However I was charged 1% on the initial contributions, the following two top up has no1% charge only 50 pesos 🤩
Thanks Liza.
Sir Namiss ko po kayo! I mean Namiss ko po kayo panuorin. ☺️ Dahil sa inyo nakapag-invest ako sa MP2. ☺️
Wow, welcome back po Jack. Ingat poz
hi sir, do you need to pay it monthly or once a year?
Thank you Sir, dami kong natutunan.
Question: San po kaya maganda mag-apply / inquire about DIGITAL P. E. R. A
please apply online sa
pera.seedbox.ph
Sundan po ang isa po naming video. Kung may tanong po kayo please email ATRAM.
@@ofwpower ano po ba uunahin, magapply online or magpunta muna sa administrator?
@@miam.7184 same lang po yun - just apply online as what we said in our video.may step by step video po kami na ginawa.
first sir fermin!
Wow! congratulations. Parang inaabangan po ninyo ang ating video. Hahaha... Ingat po.
Hi sir, Under sa benefits sir num 2(5% tax credit) pwede po ba ito magamit o mabayad sa bir kahit hindi po ako ofw? pov. may tindahan po kasi ako sari-sari store…salmat sa pagsagot, godbless.