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How safe is our fund sa PAG IBIG

ahock · 17 · 13155

ahock

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Guys Im an OFW and Im interested in putting portion of my funds dito. I felt na this is the best option to do like put and forget until retire ka na. Specially sa MP2 nila which you can really put forever as per PAGIBIG. Ang tanong  lang what are the risk that this will go down? I know most funds are into housing. If something happens like sa US will this be bankrupt? Or not at all?


mackygoof

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I'm OFW also. I have bunch of investment and i still continue my pagibig contributions. I did increase it when i was still working in PH but not anymore. I found better investment of course.

It's govt owned so less chance of going down in my opinion. if it's just a portion, I'd say go for it. Better than on banks, no tax too so why not?! :D


LiveLoveInvest

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if long term, id be more inclined na ilagay ang pera ko either sa mutual fund or sa uitf since ang balak niyo is balikan siya after how many years or maybe when you retire.  :watchuthink:


palailai

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it is guaranteed by the national government....so claro na ha!....


mackygoof

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INDO

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hindi ko iniisip kong safe nga ba ito, basta alam ko kailangan kong magbayad para makakuha ng OEC, mandatory na kasi na magbayad, no choice  :bahalaka:


ikaela

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Ang tanong talaga eh gaano mo pinagkakatiwalaan ang gobyerno natin?


LiveLoveInvest

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Ang tanong talaga eh gaano mo pinagkakatiwalaan ang gobyerno natin?

yup! just like Philhealth na ang laki na ng utang sa private hospitals despite sa monthly kaltas na meron sila sa employees

http://www.manilatimes.net/philhealth-a-mismanaged-agency/98564/


Cittly

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yup! just like Philhealth na ang laki na ng utang sa private hospitals despite sa monthly kaltas na meron sila sa employees

http://www.manilatimes.net/philhealth-a-mismanaged-agency/98564/

Napapaisip tuloy ako dito. Pero sa mga employees, no choice naman sila eh, kundi kaltasan ang sahod nila ng monthly Pag-ibig contribution.


rodeo

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Guys Im an OFW and Im interested in putting portion of my funds dito. I felt na this is the best option to do like put and forget until retire ka na. Specially sa MP2 nila which you can really put forever as per PAGIBIG. Ang tanong  lang what are the risk that this will go down? I know most funds are into housing. If something happens like sa US will this be bankrupt? Or not at all?
sa ngayon, seems well managed pa naman ang PAG_IBIG Fund, good institution to save, invest and tax free ang dividend.  regarding about the risk in funding members' housing loan, medyo sigurista si PAG_IBIG, malaki ang cash participation ni member paG nag-housing loan sya, kaya malayo siguro mangyayari yung kagaya sa US.  Although alarming din yung case ni Delfin Lee a couple years ago.  Mas ok sana mag-save sa Fund 8 years ago, when you saved more than 100 pesos monthly, you can avoid that portion of your employee's earning sa 32% tax ng BIR. 


Cittly

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sa ngayon, seems well managed pa naman ang PAG_IBIG Fund, good institution to save, invest and tax free ang dividend.  regarding about the risk in funding members' housing loan, medyo sigurista si PAG_IBIG, malaki ang cash participation ni member paG nag-housing loan sya, kaya malayo siguro mangyayari yung kagaya sa US.

I agree. :applause:


empleyado

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hindi ko iniisip kong safe nga ba ito, basta alam ko kailangan kong magbayad para makakuha ng OEC, mandatory na kasi na magbayad, no choice  :bahalaka:

yeah, no choice for OFWs because we need it for OEC.


TulogSaPancitan

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pls contribute to pag-ibig. the politicians will not use this as a kitty fund. nor the sss. they will surely not give themselves huge bonuses coz they care about you. they treat ur contribution as profits and give themselves fair bonuses in the range of minuscule amounts (in millions) even their investment turned sour.
i stop pag-ibig contribution as soon i became ofw. 


juvyjagunap

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pag-ibig is govenment agency kaya safe fund ntin, iwan ko nlng next year election time


ahock

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kaya lang naman hindi nagiging safe dahil mga pulitiko are dipping their hands sa fund and sabi ahil investment


kobabear

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yeah, no choice for OFWs because we need it for OEC.

If you update yung pagibig mo, di mo makita yung binayad mo sa consulate o embassy.


wilch23

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