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Military and Police Financial institutions

acidburnchel · 43 · 31018

acidburnchel

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on: Sep 29, 2010, 09:27 PM
Meron na pong thread about AFPSLAI. However I just wanna get a clearer picture of all financial institutions related to service men and women. Based na din sa ibang thread, they give high interest lalo na sa CAP CON. Hindi ko po kasi alam kung ano yung benefits na offer ng iba. Currently, I am a member of the following:

1. AFPSLAI - 15%p.a interest compounded quarterly @ 30k maximum limit perQ
2. AMWSLAI - 13%p.a interest compounded bi-annually, no limit on deposit
3. PAFCPIC - fixed share of bonds issued sa mga associate members (civilian kasi ako)

I have heard of the following but I am not a member
4. PSSLAI - 18%p.a interest compounded quarterly @100k maximum limi perQ for associate members
5. CWSLAI - 18%p.a interest compounded quarterly

ano pa po ang alam ninyo na nagooffer ng mataas na interest rate?


drazen

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Reply #1 on: Oct 05, 2010, 08:39 AM
im a newbie..ask ko lang pano maginvest jan sa AFPSLAI,, and ano po ibig sabihin ng  "@ 30k maximum limit perQ"...ibig bang sabihin na 30k initial investment then 15% per annum ang compounded interest?,,salamat po sa info...


mxherr5

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Reply #2 on: Oct 05, 2010, 01:36 PM
^

30,000 per quarter lng po kayo pede mg invest
sosi ang AFPSLAI, tinatanggihan na nila ang pera hehe

Too bad it only accepts military and police relatives


ELVIS

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Reply #3 on: Oct 05, 2010, 04:41 PM
ACDI 17% per annum on capital contribution  :D


JUN_VELOSO

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Reply #4 on: Oct 05, 2010, 09:42 PM
^
ACDI 17% has a max deposit of only 5000 php
maliit lang po.

AFPSLAI 30K per quarter lang
para maliquidate nila ng maayos. panget din yung sobra sila ng pera tapos konti lang nagloloan diba, ang bagsak nun, maliit lang interest ng investment. dati umaabot ng 21% yan. ngayon BSP intervene, sila naglimit ng hangang 15% per anum lang, ingit ata BSP hehehe, kidding aside, maganda narin nangyari kasi mababa interest ng loan. Ceiling deposit for regular members is 3M.

ACDI hav a special Preferred account, with 10% interest, ceiling ata is 20M if I'm not mistaken, lock in one year.
AMWSLAI- tama 13% last year,but di pa sila bumaba ng 10% for the pass years, dividend given semi annual,  ceiling 15M
PAFCPIC- stocks share 10,000Php monthly only, 20% last year, 2008- 21%, given semi annual, not compounded, dividend is
              deposited to a savings account.  ceiling 1M
CWSLAI- 18%, dividend given semi-annually, 10k max deposit per month. ceiling 100,000 php
FABSLAI - 14% dividend given semi-annually, as of now close for investment (monitoring mode)
ACCC- 12%, dividend given annually, as of now close for investment (monitoring also)
PSSLAI- not member, gusto ko rin magpamember, kaso hindi ata pwede military dun.
205th COOP - 8%, dividend given annually.

above mentioned SLAI and coop, only direct dependents can be an associate member, not just relative.
pero merong isa diyan pwde joint account. and most of them hindi siya lock-in, not like TD. liquidity is not an issue, you can withdraw it anytime. just give them enough time to process your papers, mga 3-7 days. Im not sure kung million na, baka matagalan ng konti.

kung sa tatag at tibay ng mga yan, daig pa marine epoxy. hehehe
as long as there are soldiers who wants to avail for loan, these SLAIs and coop will remain. and its tested na through time.
its better than banks, rural banks, Tbills, Govt Bonds, TD, and even sometimes MF - just my point of view thou, as one who take advantage of the dividends of these great institutions. at walang sakit sa ulo, hintay ka nalang dividend quarterly, semi-annually and yearly. and its TAX FREE.  

mag-papa invest kaya ako dito may mag-iinvest kaya?
just like the cash flow game, SInce I'm an active Military Officer, I have the opportunity then I will share it to everyone.
Maliit lang ang interest ng mga ito, not like sa mga nagpapainvest dito sa PMT. but higher than the one I mentioned earlier. at cguradong mas matatag. at withdrawable anytime.
its an opportunity just like saving money on a bank with higher interest.
sa tingin ninyo, may mag-iinvest kaya?
 


acidburnchel

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Reply #5 on: Oct 06, 2010, 10:24 AM
@jun veloso

Thanks sa info. I have some questions.


You're talking about AFPSLAI... na nag-aallow ng joint account? tama ba ako.
I've tried, ka-joint ko ang daddy ko (who is retired military) then ka-joint ng kapatid ko ang mom ko. So bale, lumalabas I have 2 accounts sa AFPSLAI. my own account as associate member then ka-joint ko magulang ko.
Pwede bang mag-joint in any case ang civilian not related to military personal sa joint account?

FABSLAI - Nung umuwi ako ng pinas last month, I was actually planning to go fernando airbase in Lipa just to inquire about this. thanks for telling me its close for now. Since close ito, how about yung mga previous depositors nya. Paano ung pera nila?  Meron daw silang branch sa villamor but hindi ko na nasubukan hanapin dahil sa kulang na oras.

ACCC and 205th COOP, saan ang branch nila nearest sa metro manila? I wanted to inquire kapag bumalik ako ng pinas.

CWSLAI - is it true that only one dependent is allowed? Kung 2 kaming dependent ng daddy ko, isa lang sa amin ang pwedeng mag-open?

ACDI @17% per annum, maximum dep of 5000. maliit nga sya. Ano ito? hindi na sya pwedeng dagdagan forever. same as the PAFCPIC of 10000 stock share for associate members (regular members pwedeng dagdagan every month ng 10k pero for associate forever 10k lang, ung sobrang idedeposit mo ay sa regular savings na lang ata pwede pumunta)

And lastly, ano ung sinasabi mong 'Maliit lang ang interest ng mga ito, not like sa mga nagpapainvest dito sa PMT.' You mean mas malaki ang interest kapag ininvest sa PMT kesa sa mga SLAIs?

I am actually intrigued kung may mas malaki pang kayang mag-offer kaysa sa kayang i-oofer ng SLAIs.

Natry ko sa other banks ung namention mo above. Yes its true, mas okey pa para sa case ko at mas beneficial para sa akin kasi nagugulat na lang ako kapag uwi ko ng pinas at biglang lobo (ung maliit kong naipon) na lang yung account ko.

thank you po sa info.


dalee

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Reply #6 on: Oct 12, 2010, 10:11 AM
@sir jun_veloso,
yung afpslai po ba yung pedeng me joint acct? asawa at magulang lang ba ang pedeng ka joint acct o kahit sinong relatives?


sneaker23

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Reply #7 on: Oct 24, 2010, 05:13 PM
Hi Jun

Medyo naoverwhelm lang ako sa infos... as you've mentioned direct dependents lang ang pwede. So investing public like us have no chance of investing in military and financial institutions?


JUN_VELOSO

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Reply #8 on: Oct 25, 2010, 12:27 AM
nope, AFPSLAI ang pwede mo ka joint dun are direct dependents mo lang rin.

^ most likely sir sneaker, if you want to invest to AFP SLAI's and COOP, look for an active AFP member then invest thru him. kailangan lang trusted mo. or dapat may kasulatan kayo. or yung sabi ko joint account.


mlangseth

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Reply #9 on: Oct 25, 2010, 12:43 AM
Matatag talaga ang AFPSLAI..sayang dependent lang sis ko (associate)..1M lang ang max..pinakuha iyong ibang pera kaya napilitan sa rural banks na nag-close - wahahahhahh..pero nakuha naman na..kaunti na lang ang naiwan sa PDIC.


ric_TNT

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Reply #10 on: Oct 25, 2010, 07:06 AM
nope, AFPSLAI ang pwede mo ka joint dun are direct dependents mo lang rin.

^ most likely sir sneaker, if you want to invest to AFP SLAI's and COOP, look for an active AFP member then invest thru him. kailangan lang trusted mo. or dapat may kasulatan kayo. or yung sabi ko joint account.

Just a reminder, ex-MGen Garcia (dating AFP Comptroller) tried to imply that his millions in AFPSLAI are money invested by his relatives and friends.

Hayun, lalo siyang nadiin at nahalungkat tuloy ang iba pa niyang mga itinago.

I mean, kung hindi kayang patunayan ng account holder na galing sa legitimate means ang investments niya then his investments would be questionable.

Kaya tuloy nagkaroon ng limitations/ceiling ang pagpasok ng capital contributions i.e. P30K quarterly lang maximum pwede ilagak and a maximum ceiling of P3M/P1M  for regular/associate members respectively.

Maganda sa PSSLAI P150K quarterly pwede ilagak, hindi ko lang alam kung magkano ang ceiling. Anyway they also pay out same interests/dividend as AFPSLAI.


JUN_VELOSO

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Reply #11 on: Oct 28, 2010, 12:10 AM
^ kaya dapat may kasulatan, at least may pinanghahawakan diba. hindi naman illegal ang money from friends and relatives. ang ilegal kung sa ilegal galing yun, kaya nga may SAL- Statements of Assets and Liabilities, back with your documents. a

and with regards to limiting quarterlty yung minimum deposit and yung ceiling, its not because of gen garcia. nauna pa yan kaysa dun sa case. its because of the ammendments of the by laws made. and liquidity of funds.

pwede ba AFP member sa PSSLAI sir ric?


hublot

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Reply #12 on: Feb 17, 2011, 08:23 AM
sa PSSLAI ba pwede magjoint account ang civilian?


victor

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Reply #13 on: Feb 17, 2011, 11:41 AM
^ kaya dapat may kasulatan, at least may pinanghahawakan diba. hindi naman illegal ang money from friends and relatives. ang ilegal kung sa ilegal galing yun, kaya nga may SAL- Statements of Assets and Liabilities, back with your documents. a

and with regards to limiting quarterlty yung minimum deposit and yung ceiling, its not because of gen garcia. nauna pa yan kaysa dun sa case. its because of the ammendments of the by laws made. and liquidity of funds.

pwede ba AFP member sa PSSLAI sir ric?

Sorry sir Jun, ngayon ko lang nabasa ito.

Anyway, as far as I know AFP members are not allowed membership with PSSLAI, however PNP are allowed membership with AFPSLAI kasi PNP comprises of PC and INP members before its integration whereby the PC component are members of the AFP.

Lucky my application with PSSLAI was considered having been honorably discharged from the Philippine Constabulary where at that time I was assigned at AFP Computer Systems Center, GHQ, AFP.


bauer

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Reply #14 on: Feb 18, 2011, 12:59 PM
i have read a report that Secretary Abad (budget) is seriously concern and have raised the issue with the President the forthcoming 'pension fund crisis' of both the AFP and PNP.  In this case, there is serious repercussion on the funds of the AFP and PNP.

di lang nila masabi baka mabangkarote ang pondo ng AFP/PNP eh sino ang sasalo kundi ang kawawang tax payers.  yan e sa dulo na pero pagnagsimula ang problema may short term liquidity crisis.  Ang short term pa naman sa atin ay so far 3 years na (like PDIC claim refund)


 


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