Author Topic: "Personal Equity Retirement Account (PERA)" -- What do you think?  (Read 31226 times)

0 Members and 2 Guests are viewing this topic.


  • VIP 6500
  • *
  • Posts: 6,544
  • Thanks Received: 8
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #135 on: Apr 19, 2017, 11:04 AM »
Totoo na ba yan?


  • Posting Whiz
  • *
  • Posts: 287
  • Thanks Received: 0
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #136 on: May 22, 2017, 10:37 PM »
BDO and BPI offers this (other banks too as PERA admins).

I like the tax incentive but i'm just a bit reluctant that its your retirement fund but is still subject to market risks - it can grow and earn but still no guarantees. ideally you are expected not to withdraw until you are 55 yrs old and your investment value will be based on the current value. That's a risk I'm not sure I can take for my retirement fund.

I'd rather put my retirement fund in a 'safe' investment and invest on aggressive growth potential  funds on the side.

But the 5% tax incentive may make me taking the risk worth it?


  • Junior Member
  • *
  • Posts: 26
  • Thanks Received: 0
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #137 on: Jun 09, 2017, 02:38 PM »
Any Idea when will the other banks will follow?


  • Newbie
  • *
  • Posts: 7
  • Thanks Received: 0
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #138 on: Jun 20, 2017, 02:29 AM »

Would you be interested to invest in a VUL (variable Life Insurance)? It is Life Insurance with investment.

Munting Paalala mula sa inyong lingkod.

Three facts About Life Insurance

1. Mas mahal and Life Insurance habang tumatanda ka.
2. Hindi lahat ng tao insurable.
3. Ang pinaka-magandang oras para kumuha ng Life Insurance  ay habang hindi mo ito kailangan. Dahil pag kailangan mo na, maaaring hindi ma pwede.


Man From the Pru


We customize policy based on your needs/goals. Talk to us! We are here to listen!

#PruLife #AlwaysListening #AlwaysUnderstanding


  • Junior Member
  • *
  • Posts: 27
  • Thanks Received: 0
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #139 on: Sep 25, 2017, 05:14 PM »

I've been wanting to invest in PERA (or for my employees to do so), but when I went to a BDO branch nearby, nobody knows about it. It's on their webpage, sure, but implementation is non existent.

My two gripes about PERA are:

1. It's still non-existent (but BDO finally emailed me, saying they will update me if there's any news. But, hello? It's on their webpage!)

2. Maximum of only P100,000 annually (P200k for OFWs). Granted, for lower income earners, that's still a stretch (I doubt my minimum wage employees can afford P1,000/month). I wish it were like the IRA/401/Retirement Funds of, say, the USA. I think Australia is 9.5% (up to 15% with "salary sacrifice") of your monthly income, whatever that may be.

#1 they should address immediately, and #2 is just a personal gripe.

Besides, the only reason I want #2 (increase of maximum amount) is because I invest in index/mutual funds, and I just want it to be tax free, haha.


  • Newbie
  • *
  • Posts: 6
  • Thanks Received: 0
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #140 on: Jan 14, 2018, 01:47 AM »
All the BPI and BDO branches that I have inquired at does not "administer" PERA investments. According sa mga bank branch reps na natanungan ko, selected branches lang daw nila ang nag-o-offer. They could not even tell me which branches. Go figure!


  • Newbie
  • *
  • Posts: 7
  • Thanks Received: 0
Re: "Personal Equity Retirement Account (PERA)" -- What do you think?
« Reply #141 on: Feb 27, 2018, 12:47 PM »
I invested a small amount to PERA last year with BPI but hasn't really reviewed what happened to the fund despite being sent a report (my bad). I think to invest in PERA, you have to contact the dedicated PERA representative. For BPI, he was very flexible and met me at BPI near SM MOA, although I think he's actually based in Ayala.

I hope others share their experience with PERA. As far as I understand, it's the PH equivalent of Roth IRA. Please correct me if I'm wrong.


PMT Shoutbox

Refresh History
  • Post only questions or comments here. Advertisements NOT ALLOWED.
  • mikesantos:
    Oct 19, 2018, 04:55 PM
  • mikesantos: Get fast cash now. Use it for your immediate needs. :) httos://
    Oct 19, 2018, 04:55 PM
  • rickpila: useless
    Oct 19, 2018, 01:03 PM
  • rickpila: BPI Trade <> Attachments 10:58 AM (1 hour ago) to Makati-Main, me   (Embedded image moved to file: pic22741.jpg) Greetings from BPI Trade!  Thank you, Ms. Carmela.  Dear Sir Rodrigo, Per checking the said stock is already delisted in PSE thus it is not tradable in the market. We do advise you to directly contact Western Minolco Corporation for their advise.  Thank you!  At your service,  BPI Trade Online Team Operating Hours: Mon-Fri (8:30 AM-5:30 PM) | 816 9100
    Oct 19, 2018, 01:00 PM
  • rickpila: Sir/ Madame:  This is the Only Child of the late  Dominador S Pila who has a huge shares of stock from Western Minolco Corporation and is duly accredited in SEC and this is my first time to go about this either I will claim or invest. I have the Original Certificates with me so what other requirements do I need to show so I can get my shares/tender of my late dad who is a retired from Coca-Cola Philippines  Your earliest reply is of high value to me  Best Regards!  Rodrigo M. Pila
    Oct 19, 2018, 12:55 PM
  • rickpila: any answer poh
    Oct 19, 2018, 12:14 AM
  • rickpila: Hi Guys, I have huge old Certificates of my late dad from western Minolco Corp.. I need answer from anyone here how can I sell that all and you mention like go to brokerage and what and where is that brokerage.?
    Oct 19, 2018, 12:06 AM
  • Bernard Carag: Hello every one gsto k magkaroon ng business videoke rental kaya lang wala aq badget pang start sa business my mairerekomenda po b kayo kng panu ko masisimulan salamat
    Oct 12, 2018, 03:27 AM
  • joeyparana: dgd
    Oct 05, 2018, 05:29 PM
  • joeyparana: Hello!!! Newbie. topics are very interesting. :)
    Oct 05, 2018, 05:28 PM
  • joeyparana: :)
    Oct 05, 2018, 05:27 PM
  • SUPREMO: meron po ba thread ng remittances business here..thaks
    Oct 01, 2018, 07:15 PM
  • Dianenugal_24: good morning po.. paano po yung data encoding ng CAPTCHA?
    Sep 23, 2018, 11:21 AM
  • ryonin: Sino may lechon baboy business jan?
    Sep 19, 2018, 08:07 PM
  • May0513: Hello po sino po member ng BDOLife money8(life insurance)dto.
    Sep 17, 2018, 03:26 PM
  • KIRITO: For capital of a starting business. 10k for repayment in 2 months.
    Sep 13, 2018, 05:19 PM
  • KIRITO: Anyone lending money here? To be repaid in 2 months with low interest.
    Sep 13, 2018, 05:17 PM
  • KIRITO: Hello everyone! Im new here.
    Sep 13, 2018, 05:14 PM
  • rhonrxs: sino po nagpapautang dito ng 5.6
    Sep 09, 2018, 10:34 PM
  • rhonrxs: sino po nagpapautang dito
    Sep 09, 2018, 10:30 PM
  • wadecox: hello
    Sep 08, 2018, 03:30 PM
  • Niel Jhacoubs: :welcome:
    Sep 05, 2018, 11:23 AM
  • bizmaxpower: Hello!
    Sep 03, 2018, 08:15 PM
  • juvyspalencia: hello po. newbie here! anyone from here po from extreme evolution?
    Sep 03, 2018, 03:01 PM
  • Niel Jhacoubs: @Kenloy Retailer/Eloader po.
    Sep 03, 2018, 01:29 PM
  • Kenloy: Anong ok na business na patok ngayon?
    Sep 03, 2018, 12:36 PM
  • Niel Jhacoubs: Sino gusto mag eloader dyan?
    Aug 31, 2018, 01:38 PM
  • Niel Jhacoubs: @Ellena may makikita kapong 'Report to moderator' pagio-open mo yung thread.
    Aug 30, 2018, 09:19 AM
  • Ellena: Hi all paanu ho mag report ng post ditu? salamat sa sagot
    Aug 29, 2018, 09:08 PM
  • Niel Jhacoubs: Sino dito online?
    Aug 29, 2018, 11:44 AM
  • Niel Jhacoubs: Yow.
    Aug 29, 2018, 11:44 AM
  • Alan: hello
    Aug 16, 2018, 07:21 PM
  • makeenithar: anyone selling paypal fund here? bili ako
    Aug 10, 2018, 03:59 PM
  • princess4: Hello there!!! newbie here and love reading all Business threads!! Dami ko natutunan! keep it up mga sir
    Aug 04, 2018, 01:29 AM
  • Mr.Ken: Does anyone here became an amazon or shopify seller? Pano po ginagawa nyo?
    Aug 02, 2018, 05:01 PM
  • Edgnaako15: Just join in, hopefully ill learn lots of thing in this forum...
    Jul 29, 2018, 05:38 PM
  • losvalientes: Im a newbie here, hello all!!! :)
    Jul 26, 2018, 02:40 PM
  • FutureGizmo: Hi MarkL, here's the PinoyMoneyTalk Guide on Mutual Fund investing: Hope this helps! :)
    Jul 13, 2018, 10:27 PM
  • MarkL: what is the best mutual fund? And how to invest?
    Jul 13, 2018, 04:50 AM
  • MarkL: looking for elaoding business here
    Jul 13, 2018, 04:43 AM
  • rytsl2: hi
    Jul 11, 2018, 09:21 PM
  • SamanthaB: Hello! May I know what's the purpose of this shout out feature? Newbie here:)
    Jul 10, 2018, 02:29 PM
  • Lorlyn: newbie
    Jul 06, 2018, 10:30 PM
  • mariaivy029: hi!
    Jul 01, 2018, 12:25 AM
  • jbd2018: i am looking for investments and insurances can somebody help me be enlighten...send me your quotes
    Jun 29, 2018, 03:50 PM
  • jbd2018: i am thinking where  to invest and buy insurances
    Jun 29, 2018, 03:49 PM
  • ajustiiine: :b_happy: :b_happy:
    Jun 27, 2018, 11:35 PM
  • CuriousDB: Is Amaia Skies in Shaw a good investment opportunity in terms of rental income?
    Jun 16, 2018, 02:08 PM
  • nerdyimay: besh saan nkkbili ng murang mannequin
    Jun 12, 2018, 03:41 AM
  • MeEnamore: I'm looking for someone who can help me add money to my paypal account without bank account. Please.
    Jun 09, 2018, 10:21 PM