01:02.3
380 to 2,850 pesos. So yung ating SSS contribution po, may batas kasi yan.
01:13.3
Na nagsasabi na from 2019, itataas natin yung monthly salary credit natin.
01:18.6
So for 2023 and 2024, ang minimum monthly salary credit po natin ay 4,000 at ang maximum
01:24.9
po ay 30,000. For 2025, it will increase to 5,000 pesos at ang maximum naman ay 35,000 pesos.
01:37.5
So ano yung magiging epekto po niyaan? Ang magiging share in contribution natin, in total ngayon
01:44.0
for 2024 ay 14% of which 9.5% galing sa employer at yung mas maliit na bahagi ay galing kay employee.
01:54.9
Um, pero kapag tayo po ay self-employed or voluntary, nako, wala pong counter-counter part yan, no?
02:01.0
Yung buo na 14% yung babayaran natin. Pagka next year, 10% na yung isya-shoulder ng employer at saka yung sa employee ay 5%.
02:11.3
O diba suot ko talaga siya, ang laki, tatanggalin ko na, masakit sa kamay.
02:14.8
Ayun. So, yun. Yung 14%, that is 570 to 4,230 na amount of contribution.
02:24.9
For 2025, which is next year, 15% yan. That's 760 pesos to 5,280 pesos. Yan po yung minimum and maximum.
02:34.4
So, tignan natin. Kapag may 20,000 pesos ka na monthly salary, magkano yung i-expect mo na pension?
02:43.8
O, tignan natin ha kung magkano. So, yung sa SSS contribution natin, kung pumikita tayo ng 20,000 pesos,
02:54.9
ang required monthly contribution natin ay nasa 2,800 pesos. Kung tayo ay employed, 900 yung kakaltasin sa sweldo natin, 1,900 yung iko-contribute ng employer.
03:10.4
So, anong ibig sabihin yan? Yung 20,000 pesos mo na sweldo, minus 900 pesos lang. Kasi yung 1,900, separate yan na babayaran ng employer. Hindi yan manggagaling sa iyo.
03:23.2
Kaya, maganda kapag...
03:24.9
Kaya, maganda kapag tayo ay empleyado kasi may employer counterpart at yun po ay mas malaki.
03:30.5
Magbayad tayo ng at least 120 months na contribution para tayo ay makapag-qualify doon sa monthly pension when we reach the retirement age of 60.
03:44.0
So, sa mga employees po, kapag dito sa 20,000 pesos, so 900 pesos times 120 months,
03:53.8
ang total na maikokontribute...
03:54.9
Ang total na maikokontribute natin dyan is 108,000 pesos kapag tayo ay empleyado. Kapag tayo naman ay self-employed or voluntary, yung buo kasi na 2,800 pesos ang kailangan natin bayaran dyan.
04:07.7
So, 2,800 times 120, that will give us 336,000 pesos. Yan yung babayaran natin in 120 months or 10 years.
04:17.2
Hindi naman yan biglaan, ha? Unti-unti lang po yan.
04:22.0
So, kung titignan natin...
04:24.9
Ang SSS pension nung 20,000 pesos na gulog for 10 years, 9,000 yung kanyang magiging expected na monthly pension upon reaching the age of 60.
04:36.9
Ang annual SSS pension niya ay 108,000 pesos. So, that's 9,000 times 12, 108,000 yan.
04:48.2
E kapag nabuhay siya, sorry, nagretire siyang 60, nabuhay siya for the next 10 years.
04:54.9
Namatay na siya at 70. So, 10 years siya na nakapag-pension. Pero sana mas matagal pa, mas okay, no?
05:00.9
So, kung 10 years yan, so yung 108,000 times 10 will give us 1,080,000 pesos.
05:08.4
Makikita natin, sulit ba yung SSS pension na yan? Ano yung ating return on investment?
05:15.9
So, kapag tayo po ay empleyado, sabi natin kanina, ang total contribution natin with our 20,000 pesos na salary every month ay...
05:24.9
108,000 pesos yung kanyang mababayaran.
05:28.3
I-divide natin yan by the annual pension na 108,000. Ang return on investment natin ay 1 year.
05:35.6
So, ibig sabihin, yung kinontribute natin na 108,000, kapag tayo ay nag-retire na, within 1 year, mababawi na natin yung 108,000 na yan.
05:47.2
On the second year, kita na po natin yung mga yan na makukuha natin.
05:51.6
Kapag tayo po ay self-employed or voluntary...
05:54.9
Dahil shoulder natin lahat yung contribution, which is 336,000 pesos,
05:59.6
i-divide natin yan by our annual pension of 108,000.
06:03.7
So, ang ROI natin is longer, 3.11 years.
06:07.9
Pero alam nyo sa totoo lang, hindi ito masama.
06:12.0
Actually, napakagandang rate of return po nito sa SSS.
06:19.2
Sa totoo lang, wala pa akong nakitang pribadong pension product
06:24.9
at tatalo sa SSS return on investment.
06:29.9
Okay. E paano naman kung 10,000 pesos yung pinikita?
06:33.9
So, kung 10 years ang pension mo...
06:37.9
Sorry. So, 10 years yung nag-receive ng pension, yung 108,000.
06:43.3
So, 1,080,000 yan.
06:45.5
I-minus natin yung ibinayan mo na 10 years na contribution mo, which is 108,000.
06:50.5
Yung kinita mo for that 10 years ay 972,000 pesos.
06:54.9
Imagine mo naman yan. 108,000 lang yung inilagay mo,
06:59.6
pero nag-generate siya ng 972,000 pesos in a span of 10 years.
07:05.5
Kung ikaw ay self-employed or voluntary,
07:08.0
so 1,080,000 pesos minus 336,000 pesos na 10-year contribution mo,
07:13.9
ang kinita ng pera mo ay 744,000 pesos.
07:21.9
Kapag naman ang pension mo, kapag ang salary mo,
07:24.9
7,000 pesos, ito yung magiging estimated na pension.
07:31.0
Ang required monthly contribution mo ay 1,400 pesos.
07:35.9
Kapag ikaw ay employee, ang counterpart mo dyan ay 450 pesos.
07:40.7
At yung employer ay 950 pesos.
07:44.3
So, magbaya tayo ng at least 120 months para po tayo ay magkaroon ng monthly SSS pension.
07:50.3
So, kung susumahin natin yan,
07:52.6
yung maikocontribute ng...
07:54.9
Employee ay 450 pesos times 120, 54,000 pesos po yan.
08:01.1
Ang self-employed po ay 1,400 times 120 months,
08:07.0
that will give us 114,000 pesos.
08:13.9
Ang monthly pension po niyan,
08:16.3
upon reaching 60 years old with the 10,000 pesos na monthly salary,
08:20.8
nakapag-contribute lang ng 10 years,
08:22.8
when we computed it, it's 5,000.
08:24.9
Ang annual SSS pension po niyan,
08:29.2
5,000 times 12 ay 60,000.
08:31.9
Kung again, if we started our pension at 60,
08:35.1
tapos namatay tayo at 70,
08:36.7
10 years nating napakinabangan,
08:38.4
gamitin natin yan sa example, ano?
08:40.5
So, kumita tayo ng...
08:42.2
Nag-receive tayo ng 600,000 pesos na worth of pension.
08:47.1
So, ang return on investment nito ay,
08:49.9
sa employee, 54,000 divided by yung kanyang annual...
08:54.9
So, yung annual contribution, yung 54,000 divided by the annual pension,
08:59.2
Ang return on investment nito ay 11 months.
09:02.3
Sabihin na natin, 10.8 months, no?
09:04.5
So, ibig sabihin, wala pang 1 year.
09:06.5
Mababawi mo na yung na-contribute mo for 10 years
09:09.8
kay SSS kapag tayo ay nag-pension.
09:13.1
Pag self-employed or voluntary,
09:15.1
ang total na maikokontribute natin ay 114,000 pesos
09:18.7
divided by 60, that will give us 2.8 years.
09:23.3
Sabihin mo ng 3 years,
09:24.9
babalik na sa'yo yung na-contribute mo na iyaan.
09:29.8
So, yung 10-year pension natin na 600,000
09:33.0
minus 54,000 kapag ikaw ay empleyado,
09:36.8
kasi yun yung 10-year na contribution mo,
09:40.0
ang kita natin dyan ay 546,000 pesos.
09:48.1
Nagulog ka for 10 years ng 54,000
09:50.7
tapos nag-pension ka in the next 10 years.
09:54.9
Yung 54,000 na inihulog mo,
09:57.4
pumita yan ng 546,000 pesos
10:00.9
kung ikaw ay empleyado.
10:02.4
Kapag self-employed ka naman,
10:04.5
yan ay ang kinita mo ay 486,000 pesos.
10:08.8
600,000 pesos na pension for 10 years
10:11.8
and then yung 10-year contribution mo
10:13.5
prior to receiving the pension
10:16.2
will give you 486,000 pesos.
10:20.2
Kaya talaga wala pa akong nakikitang
10:24.9
Private pension product
10:25.9
natatalo sa SSS natin.
10:30.0
Kaya tangkilikin po natin yan.
10:32.8
Ako po si Sir Vince,
10:34.1
ang inyong financial guru,
10:36.1
nagsasabing ang pagyaman na pag-aaralan
10:38.8
at napagtutulungan.
