PAG-IBIG’S MP2 QUESTIONS ANSWERED | For Students, Beginners, OFWs 2022 | Investing Philippines
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- เผยแพร่เมื่อ 9 ก.ค. 2024
- Last week, we talked about Pag-IBIG MP2 and now let’s answer your most frequently asked questions about the Pag-IBIG MP2 or Modified Pag-IBIG 2.
We’re finally talking about the PAG-IBIG MP2 or Modified Pag-IBIG 2! Everything you need to know about the Pag-IBIG MP2, how to invest in MP2 for OFWs, Beginners, and Students! It took me a while to review this but I found that’s a great, easy, and safe investment for Filipinos.
Let’s talk about Pag-IBIG or HDMF, wht the regular savings program is, the Modified Pag-IBIG Savings Program (MP2), the historical dividend rates and returns, sample computations, who MP2 is for, and HOW to invest in MP2.
Dealing with personal finances, especially since it’s not taught in school can be quite hard and confusing. I hope this video and this channel will help you out in the challenges we are facing right now with personal finance, entrepreneurship and adulting in general.
►Outline :
Introduction : 0:00
Start of Video : 0:16
Application Questions : 1:01
Applying as a Student
Applying as an OFW
When can I apply?
Desired Monthly Contribution
Virtual Pag-IBIG Activation
When can I contribute?
How to know you’re account is activated
Contribution Questions : 4:10
Can I stop contributing?
Does it matter when I contribute?
Best Mode to Contribute
Can I Contribute only once?
Do I need to contribute the same amount every time?
How much should I contribute?
Why is Annual bigger them Monthly?
AAMS & Compounding Interest
Hidden Fees?
When will the 5 years start?
Tracking Contributions online
Payout Questions : 11:52
Annual vs 5 Years
When do I get the dividends?
Payout Options
Payout Requirements
Payout Period/Duration
What if I need to Withdraw early?
Other Investments (MP2 vs ___) : 15:40
Final thoughts : 20:55
Outro : 22:22
►Sources/Referral Links
✨ PAYMAYA - Get p50: p85qk.app.goo.gl/4M9Y // code : 42625QML56P0
✨ GCASH - Get p70 worth: gcsh.app/r/oNETIx5
✨ Pag-IBIG Website ► www.pagibigfund.gov.ph
✨ Virtual Pag-IBIG ► www.pagibigfundservices.com/v...
✨ Pag-ibig MP2 FAQ ► www.pagibigfund.gov.ph/FAQ_MP...
✨ Pag-IBIG MP2 Calculator (Neo Reyd) ► bit.ly/MP2Calculator
✨ Payment Options ► www.pagibigfund.gov.ph/paymen...
✨ How Pag-IBIG computes Dividends ► www.thewiseguyph.com/compute-p...
► Previous Videos :
PAG-IBIG MP2 ► ► ► • SHOULD YOU INVEST IN P...
INVESTING 101 ► ► ► • GROW YOUR MONEY in 202...
HOW TO RETIRE BY 45 ► ► ► • HOW I PLAN TO RETIRE E...
BUDGETING BASICS ► ► ► • BUDGETING FOR BEGINNER...
►SOCIALS
Instagram: / deleoncharmaine
TikTok: / deleoncharm
Facebook Page: / charmdeleon
Facebook Group: / ready2adultph
Email: hello@ready2adultph.com
th-cam.com/users/CharmdeLeon?s...
► Referral Links
ShopBack - Get P100!: app.shopback.com/phl?raf=pkpsnX
MAYA - Get p50: p85qk.app.goo.gl/4M9Y // code : 42625QML56P0
GCASH - Get p70 worth: gcsh.app/r/oNETIx5
UBP CREDIT CARD APPLICATION ► bit.ly/UBPRewards
► Music Credit: DJ Quads
Track Name: “IT’S NEAR”
Music by: Dj Quads @ / aka-dj-quads
Official TH-cam Channel HERE: / channel
Disclaimer:
This video and description contains affiliate links where I may or may not receive a commission. This helps support the channel and allows me to continue to make videos such as this. This is not Investment advice. This is for educational purposes only. I am not a financial advisor. Always do your due diligence.
KEYWORDS
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Sorry to disappoint, this is my boyfriend’s set-up. He has a podcast, thus the nice microphone 😂
If you’re interested:
Microphone: shp.ee/5m9x5n2
Mic Stand : shp.ee/hv28z9g
Follow: open.spotify.com/show/4HoHffDE6VMXc0UvQbNuJt?si=YpNNjTgiRk6_9jwWslg8bg
Pano kapag namatay yung nag invest pano makukuha pa ba yung money ng relatives ?
pwede na pangmukbang yung mic 😂
Hi mam, I am interested to invest a little amount to stock market.I am a student.
Loud and Clear
Audio i hope
to Watch you on National T V
what if po 500 below yung e deposit every month pwede po ba yun?
Super appreciate all the research behind this! The table at the end is such a great way to introduce us beginners to the world of investing.
Just discovered this channel, Content is bomb, very educational, walang pa tumpik2. ❤️
You are such an intellectual young lady.Thanks for sharing your knowledge..
Just found this channel. Thank you for your videos. Compact and informative just as it should be.
Wow, loving the new set up! 😊👍
Improving na ang sound quality nyo Ms. Charm. 😍😍😍happy for yor progress
No wasted time in this video! thank you for the knowledge Ms. Charm! Godbless!
I love your set-up, Charmaine!!! ❤️❤️
Well, this is very informative . Kudos to you girl. My first time to watch your channel. God bless you
Planning to open an MP2 account. But I'm prioritizing making my emergency fund stable enough before I put in money in an MP2 account. Anyway, thank you for yet another informative video, Ms. Charm!
Love the new set up! ❤
Thank you for MP2 videos 😍🥰
Thanks for this video..
Dami kong natu2nan about mp2
Gusto ko mag invest..
THANK YOU, DEAR. VERY HELPFUL TOPIC.
Very informative. ❤️❤️ thank you
Thank you for these videos!
Wow! ❤️ , how i didn't know this from the time i got my first job..
nice investment on the mic. sounds clean and crisp. Also thanks MP2 video. Power to local investment video.
I trade with the company broker, i make profits each time i invest my money with him. I can assist you with his contact if interested.
Opened my MP2 3 yrs ago, and kimikita na siya. 🧡🧡🧡
Buti ka pa kabayan kasi ako hindi pa at mag inquire pa ako sa Philippine embassy dito sa Israel kun paano..haha..
looooooooooooooooooooooooooooooooooooove the new setup!!!!
Well explained Ms 💖 Ang galing mo naman 😊
This video is such a big help! Thank youuuuuu
Thanks for this. Very informative 👍🏻
I started to deposit my Mp2 account from 2020 ,the dividend was very good 6 percent kada taon.Sa Mp1 tuloy lang ang contribution kasi maganda rin ang dividend 5 percent at least by 60 years old ma withdraw mo na rin lahat ng nai deposit.Best practice is at the time you receive your salary deposit right away on your mp2 kahit maliit lang basta kada sahod.
Thank you Ms. Charm.
Galing ng vlog mo mam. Very informative. And the comparisons on the different investments helped me think of what to invest on and how to diversify it. ✌😁❤
Thank you so much for the info!
👍😊😘
Question~ Let's say I opened an MP2 last year and chose annual payout for dividends when setting it up. But, now I changed my mind and want to just compound the interests for 5 years. I have no linked bank account or loyalty card. Can I just not claim/withdraw the annual dividends until maturity?
Been so confused about MP2 and I haven't watch a video discussing it thoroughly. Then, finally you uploaded a video discussing it!! I'm so grateful to this channel. Ang dami mong matutunan!! Thank you so much Ms. Charm :))
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Itatanong ko po sana anong explanation nyo sa MP2 account na matatapos na ang 5 year maturity date April next year at may nagsabi baka May pa magbibigayan ng dividend napuna namin na kung May 2024 ibibigay ang dividend hindi isasama ang January to May na dividend samantalang nakadeposit pa din naman yung pera hanggang May.
informative video, thank you
Nice audio quality. 👌👌
Maraming salamat po dito ❤️
Thank you for the comparison Mam..
Pang-podcast na yung quality ng mic!!
Wow.. level up set up ni ate charm. Congrats pooo.
Even the lightning
Pwede na mag podcast! :D
d ko pa rin nagets ung computation pero baka bobo lng tlga ako sa math HAHAHA basta nagets ko lng the more the merrier thank u po for answering all inquiries
Maam! Question lang po, do I have to choose kung papano yung pagdeposit ko, kung monthly ba or annual or lump sump?
Example:
1st month - 500Php
2nd month - 1000Php
3rd month - 60kPhp (let’s say for example for the 3rd month I have the capacity na for lump sump). Allowed po ba yun? And how will they know if it’s a lump sump or monthly?
Thank you!
Thank you again Ms, Charm!! Dami kong natutunan dito ❤
Nkita ko tlga to hahaahhaha
@@nicolepavillar6385 hahahahahahahahahahahabwecit
Yeheyyyy
Thank you so much 💞.
Great ideas!
Galing mo girl.
Steps and tips sa pagbili ng lupa po. Suggest lang.
Thanks coach charm de Leon.
please discuss the different payment modes
Hi Ms. Charm, question, if magstart ako to save MP2 savings this June 2021, and I'll choose the 5 years, when ko po makuha yung money? June 2026 ba? Thanks
Video request since we are learning a lot about the different types of investments... Can you teach us about asset allocation? Knowing our risk appetite, and that we need to diversify our portfolio, how do we go about it?
Will do! Check this out also: th-cam.com/video/nN2tcReDmrM/w-d-xo.html covers a lot of similar topics
is there a penalty if i stop contributing after paying the initial 100 pesos for the regular savings after i get my mp2 fund?
5:39 I just saw that we can pay our contribution to ucpb bank. But recently, the mentioned bank was merged to Landbank. Does it mean we can also pay mp2 on Landbank?
Thanksss! 😍 Nasagot yung tanong ko about sa monthly contribution (if it's necessary to maintain the same amount per month). TY. TY. 😍😍
🥰🥰🥰
Hello Ms. Charm, your vids are very helpful and interesting just like what momma bread (Ms. Nicole Alba) has. More power to ur channel. Godbless!! Ps. u look so young po, nagbrowse ako ng comment section at dun ko nakita age mo. tama silaaa, life is so unfairrrr hahahaha
😅😅😅 Thank youuu
Hi Charm thanks sa mga vids mo, pero i have a question. Pag nag lump sum ka ba, pede ka pa mag add?
Hello Ms. 😊 Question, I have a plan to go abroad this year and gusto ko mag apply ng MP2 before umalis. Ending hindi na ko makakapg hulog sa regular savings since resign na sa work. Its that okay? Since 5yrs din ang pag huhulog pa?
Thanks to u charm
quick question po. I have a total of 9 years pagibig MP1 contribution but since naghomebased ako 4 years ago, diko naxa nahulugan. kakaregister ko lang sa MP2 kanina, can i start investing sa MP2 kahit dina active MP1 ko?
❤️❤️❤️
Ate can you discuss REITS hehe. Thank you
Hi Charm! If you started investing in January, when your payout comes after 5 years, should you wait until the announcement of dividends before you apply for the payout (probably around March?) Thanks and more power to your channel!
Yes 😊
Hi. We’re planning to invest in mp2. We were employee but self employed na ngayon. Hndi namin tinuloy ang pag hulog sa pagibig. We understand na dapat active member bago makaenroll sa mp2. Our questions is;
1. habang nakainvest ka sa mp2 kelangan ba updated din ang contribution namin sa m1 (for 5 yrs dapat kami magbayad)?
2. Kapag 100k pataas ang iiinvest, need ng physical appearance at anong mga requirements?
Maraming salamat.
Thank you
Question po. Mag mature na sa Jan 2022 ung MP2 ko. Kung i-restart or i-withdraw ko, pano ung dividend ko this 2021 since March pa sila mag announce ng dividend for 2021???
Salamat.
Please you can you clarify this to me, I'm a student so I can't create a Virtual pagibig account but i was able to create MP1 and created MP2. So i can go directly invest to mp2 or i need to be active first at mp1?and how many months to be active. Lastly how can I view of transaction or history at pag big funds if i dont have an virtual pag ibig funds
@Charm de Leon Thanks for this informative video. I have a question. Say I opted for MP2 lumpsum. I understand the maturity is @ the 5th year. Now, if for example, I died before the 5th year, can my dependents claim for this? How?
Hi Charm. Thank you for this. Just want to confirm the commencement of the 5-year maturity. If I started in January 2019, is it correct that I can withdraw the returns in 2023? Salamat kaayo again. 🙂
Hello po! may tanong po ako , may napanuod kc ako na vlog lately na pwede hulugan ang previous month ng MP2 contribution at sinubukan ko nga na hulugan ang previous month Transaction date :December 14,2021 at COVERED PERIOD na nilagay ko ay NOVEMBER 2021. alin ang bibigyan ng pag ibig ng dividend ang transaction date na December 2021 kong kelan ako nag hulog o yong covered period na NOVEMBER 2021. sana masagot nyo po at para makatulong sa iba. salamat in advance.
Ok yan madam
Hi. What if I missed my contributions for certain months? Can I pay for the previous months?
Hello po, ask ko lang po upon enrolling po kasi sa MP2 nilagay ko option is mga online payment centers - pwede po ba mapalitan na mag salary deduction nalang? Thanks po
Hi .Thanks for this mam :) Just want a clarification lang sana. hehe. I`m planning for a lump sum ( about 50 or 60k ) paano po yung pag apply ko nun? ano po yung ififill up ko sa form? and, yung idadown ko po for lump sum, as is na yun? or should I put again some amount annualy? thank you! Godbless!
So kahit january ka lang po maglagay ng 60k example okay na po un? Mas malaki pa din interest? And pede ka pa din mag add any amount by feb or next months? I hope you can answer me po:)
Good day ask lang po if ilang months po kami dapat nghulog sa mp1 bago maka proceed sa mp2 account,,thank you
How about sa premyo bonds by government after mature ano mangyari sa pers namin automatic ba papasok sa bank accnt namin kun saan kami nag purchased? Salamat more power sa channel mo
How do i know if i have record on pag ibig since i was employed at gaisano mall group. I dont even know whats my pag ibig member id ,company kasi ang nag apply
Hello po. How po mag change from annually to 5 years end term po for preferred dividend payout. I already registered na po kasi but I want to change it. Thank you.
Question po. Yun rate po ba is fixed for the whole 5 years?
Thanks maam, dahil po s inyong video nag open po ako ng mp2, pero ask ko lng po sir normal po na pag chineck po s virtual pagibig tapos ng hulog n po ako ng 1sr time lumalabas po eh “unable to retrieve your record, you may try at a later time”
💯
hi! I just opened up a virtual account on pag-ibig. I also activated it already. and then I successfully opened up a MP2 account providing with an MP2 account number on it. can I already put funds on my MP2 already or no?
Hi, i have a querrie, i hope you have na idea about this. Through Virtual Pag-ibigMy, my MP1 employer is my current employer but in my MP2 the employer details are my former employer (way back 2018). Will it affect my Mp2 Savings especially when it's already the time I withdraw the money I saved? Thank you!
Mam magandang Gabi Po intresado Ako malaman Ng buo Ang pag ibig mp2 kung papano Po mag invest...
Hi Ms. Charm, question lang po.. if ill start lump sum pwede pa din ba ako mag ng any month per month or if ever i have extra money?
after making an mp2 account online, you need to receive a text to know that it is activated?
How about my mp2 only appears not found and when I register I see it on my record up, then I got the number appeared and I send already at first, then it can't found in my record, how to get back my money I have send?
Question: How much interest MP2 they will give, and the interest are change every year maybe going down or up???
Hi Ms Charm! My question is about my MP1 contribution, i started working last 1999 in different shipping Agencies in Manila as a Seafarer, on Jan 2015 i transferred my agency in pasig city untill now, i checked my contribution yesterday i surprised my record was start only on January 2015, the rest record was lost..how to retrieve?
Hi ms Charm. I went through all the comments but did not find the answer to my question.
Supposed our MP2 matures by May 2026 and we decided to claim by Jun 2026, what dividend rate will pagibig apply for Jan-May 2026 considering that dividend rate for 2026 will only be declared around Mar 2027? Thank you po.
Sana mapansin po yung katanungan ko.
May hulog na po ako sa Pag-ibig almost 2years. Nahinto po eto ng mangibang bansa ako. Ngayon gusto ko mag-invest sa Mp2 pag-ibig, pwd po ba? Or I need to continue my pag-ibig monthly first before I apply Mp2 pag-ibig? Thankyou po.
question what will happen if you pay after you create the acct? what will happen to the payment?
Hello, maam. Ask ko lang, isa sa requirements for mp2 ang atm or passbook. Pwede ba rito yong savings acc sa bpi? Thank you
This is very informative.., well explained lahat ng details. Thank you po. If I may just ask po, sure po ba na after the 5-tear maturity, maki-claim yung whole amount, yung capital and interest in one transac? Hoping na mabasa nyo pa po ito, TY in advance. :)
Yes, sure naman, But not guaranteed magkano yung interest earned. Although guaranteed buo yung capital invested
ask ko lang po kung nag-open po ako ng Pag-ibig voluntary around Feb of the year, need po bang bayaran yung January or diretso sa Feb to on going months na po? Thanks
Hi Ms. Charm! Where did you get your mic and mic stand po?
Here 😊
Microphone: shp.ee/5m9x5n2
Mic Stand: shp.ee/hv28z9g
pls help...in case I die po may estate po ba ito?
Very helpful videos.
5yrs maturity na ang mp2.. puwede pa bang invest ulit for another 5yrs ang pera ko
Question: If the person accidentaly died who have MP2 savings what happen now to the money savings???
Hi, i will just ask. Pano kung mag start palang ng work this oct first salary nov. Can I make one now kahit dipa ako nag 6 mots?
Hiii love the vid!! Is the claiming process the same if I apply online? The website said kasi go to the branch where I applied, but what if i applied online can i just go to the branch nearest to me?
Yes! Should be the same ☺️ Unless they add a feature that you can do it online. So far wala pa eh
Thank you so much!!! 💖💖
What if i am already a member of pag ibig mp1 and hindi pako nakakapag contribute,pwd ko ba bayaran ung 24 mos previously months para mag qualify ako sa mp2?