Author Topic: SSS, what can we expect from it?  (Read 35093 times)

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bauer

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Re: SSS, what can we expect from it?
« Reply #45 on: Jan 29, 2016, 01:51 PM »
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of all your reasons above, its clear GSIS pension never figured into your decision making, because its really just incidental that GSIS pension system is MORE SOUND than SSS. when you say unfair, its like gsis was favored more than the sss.  the disparity of these 2 laws (GSIS and SSS charters) can only be cured by the legislators and thats what they failed to do when the bill was veto'ed because they did not study the numbers properly (serge osmena has admitted this). parang naging "dare" ung bill, akala nila makakalusot dahil eleksyon na at matatakot ang administrasyon na mawala ang boto para kay Mar kaya ppayagan nila. Pnoy called their bluff because what these epals failed to consider is, si Mar ang matatalo sa eleksyon hindi si Pnoy. Pnoy has nothing to lose anymore, he probably want his projects and agenda to continue kung manalo ng LP pero kung hindi, e di hindi.


^ I need to CLARIFY SOME FACTS ---- GSIS is supported by 5 LAWS not 1.  That is how good the government take care of themselves.

SSL (salary standardization law) - 3 na at yung 4th malapit na maging batas.  GSIS 5 ang batas.
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bauer

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Re: SSS, what can we expect from it?
« Reply #46 on: Jan 29, 2016, 01:55 PM »
incidentally, i just saw in the news, hindi pa rin magka-ayos ang bicam sa govt salary rate hike bill.. and one hitch yata is yun ngang sinasabi ni wilch na scheme for retired AFP personnel, na wala na sa serbisyo pero mag-aadjust ang pension based on the current salary ng kanilang last position. very clever.
 no. 1 and 2--> MYTH. i've worked in 3 govt institutions, WALA AKONG KONEKSYON O BACKER WHATSOEVER. but yes, everytime uninformed people find out i work/ed at xxx  they ALWAYS say "may backer ka noh?". I pity them.  :hihi:

in those offices na napasukan ko, mabibilang mo lang ang may koneksyon. may ganitong paniniwala dahil ang mga supposed backer ang mahilig mag-press release na "ipinasok ko si xxxx" etc na parang sila ang nagpa-exam, interview at pumirma ng appointment papers. but these people are inconsequential to the selection process unless sila talaga ung nasa selection board. nagpa-submit lang ng resume sa HR, sya na ang nagpasok?  :hihi:

 

^ Our AFP-PNP pension budget is now 70 BILLION pesos good for 211,000 retirees.  If I will take the average, each one receives about 26k per month in pension.  Talking about GSIS versus SSS.  Mas maganda pala sa ating AFP-PNP.  bumawi sa dulo dahil sa mababang sweldo ng sundalo.

@bajoyjoy, You are one of the lucky few that did not require a 'padrino'.  Kaya lang, why were you not made a regular employee yun ba reason kaya ka umalis sa gov't.? (no offense meant).
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bauer

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Re: SSS, what can we expect from it?
« Reply #47 on: Jan 29, 2016, 02:01 PM »
I wanted to follow yung computations pero nawiwindang talaga ako pag madami na akong numbers na nababasa, hahaha... but im inclined to believe the numbers are dismal.

  For SSS, its not the case dahil marami nga ang members that are not in the formal employment sector, marami din ang hindi nagtuloy gaya ng nasabi ni dreamwalker. i have an sss number myself but dont pay any. marami din kumuha lang ng sss para sa ID... and marami ring balahurang private employers na nagdededuct ng sss pero hindi nagreremit. when payment process is not automatic or convenient, collection efficiency will surely fail. hindi naman yan meralco na pupuntahan ka sa bahay kung hindi nakabayad.

^Maybe you should seek time to read the SSS reports (you can download it in their website -- I did it).

SSS reported more than 900,000 employers.  There are less than 200,000 recalcitrant employers (did not submit or deficient in their contributions).  SSS filed less than 5,000 cases only.   Remind you, both MERALCO at SSS may kulong ang parusa sa non-payment.

Paano naman tataas ang collection efficiency kung hindi naghahabol?

Remember that SSS employees are GOVERNMENT run and their benefits are GSIS-based.  Ganda di ba?
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bauer

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Re: SSS, what can we expect from it?
« Reply #48 on: Jan 29, 2016, 02:04 PM »
yes if there is no merit-based recruitment system most likely bulok ang agency na yan. buti na rin siguro hindi napapasok ang mga mahuhusay pero napupulitika na mga applicants sa mga ganyan, kakainin lang sila ng sistema. for the newbies kasi, tutal bulok na tingin nyo sa akin dahil sa reputasyon ng office ko, e hindi na rin ako magmamalinis at makipagsabayan na rin sa pagnanakaw.
   

^I could not believe your last statement.  Do you think there is a need to expound?  The way you right seems your upright.
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jmces

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Re: SSS, what can we expect from it?
« Reply #49 on: Jan 29, 2016, 03:14 PM »
@bajoyjoy most people na mahilig magpasiklab e walang ibubuga or baka naman senior management sya ng company? , some of them max out their credit limit just to buy luxuries which they cannot afford. private companies including the one i work for previously pays up to 24 months at 1 point but the basic salary is so low that if you get the annual income is just the same as others.

wilch23

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Re: SSS, what can we expect from it?
« Reply #50 on: Jan 29, 2016, 04:17 PM »
Kawawa ang SSS members pala when compared to GSIS members lalo na sa AFP!

BTW sobrang taas ng operating cost ng SSS. Dapat yan 2-5% lang ng premiums collected. Looking at their offices and official vehicles, furniture, office appliances and equipment, SAAN kaya napunta ang PERA?
Puro SALARY lang?
Mahiya naman si De Quiros ( tama ba name nya) and his admin, lahat na sila working there!
And why should they get a bonus kung maganda ang income ng investments, that fund is a TRUST FUND. MANAGERS lang sila na may fixed fee/salary. WHY, pag lugi ba sa bear market, babayaran nila ang losses?

Yan ang dapat baguhin but does Noy even understands this?

bajoyjoy

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Re: SSS, what can we expect from it?
« Reply #51 on: Jan 29, 2016, 05:12 PM »
^CHED 2010-2011 graduates data reported that about 60,000 completed education & teacher's training courses.

Manila Bulletin reported that DEPED to address shortages in teachers will HIRE 33,000 in 2014.

2011 pa lang kalahati na sobra sa 2014 hiring plan.  I do not think there is a LACK OF SUPPLY.  Do you have some data?
yes that's what was talking about, nag-intensify ng recruitment for public teachers. so kailan sila nag-increase ng sweldo ng public teachers? before or after 2014? and i mean QUALIFIED supply. graduates of educ do not automatically become teachers, only 27% (elem) and 31% (secondary) pass the LET exam.


@bajoyjoy, You are one of the lucky few that did not require a 'padrino'.  Kaya lang, why were you not made a regular employee yun ba reason kaya ka umalis sa gov't.? (no offense meant).

qualified naman ako bauer hindi lucky, most qualified din siguro. hahaha

it was my first job na research assistant. hindi ko na hinintay mapermanent. i'm still in the govt, lipat-lipat lang ng offices.

@bajoyjoy most people na mahilig magpasiklab e walang ibubuga or baka naman senior management sya ng company? , some of them max out their credit limit just to buy luxuries which they cannot afford. private companies including the one i work for previously pays up to 24 months at 1 point but the basic salary is so low that if you get the annual income is just the same as others.

that's very comforting jmces.

^I could not believe your last statement.  Do you think there is a need to expound?  The way you right seems your upright.

lets say its bureau of customs. any newbie na papasok sa customs ang iniisip madaling yumaman jan diba kaya nga nagpupumilit pumasok jan. its common knowledge. the extent of corruption and pagnanakaw hindi nila gaanong naiintindihan until makita na nila in real life. kung maayos kang tao, matatakot ka-- ganito pala dito.. you would give it up dahil hindi mo masisikmura ang perang pumapasok sa drawer mo araw araw.  kung di ka maayos, ikatutuwa mo ito and you will just join the fun anyway everyone's doing it. may boss akong ganyan ang nangyari, nanggaling sa customs, hindi kinaya ng kunsensya nagresign after 2 years.

bajoyjoy

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Re: SSS, what can we expect from it?
« Reply #52 on: Jan 29, 2016, 05:24 PM »
^Maybe you should seek time to read the SSS reports (you can download it in their website -- I did it).

SSS reported more than 900,000 employers.  There are less than 200,000 recalcitrant employers (did not submit or deficient in their contributions).  SSS filed less than 5,000 cases only.   Remind you, both MERALCO at SSS may kulong ang parusa sa non-payment.

Paano naman tataas ang collection efficiency kung hindi naghahabol?

Remember that SSS employees are GOVERNMENT run and their benefits are GSIS-based.  Ganda di ba?
i'm not really that interested in sss kasi nga gsis member ako hehehe.

anyway, i understand. and also sss members themselves should report and file their complaint para mas mabilit madetect na hindi nagbabayad...

again, hindi GSIS pension ang motivators ng SSS employees. even while they are working, ineenjoy na nila ng husto ang sss fund with their high salaries and various benefits. lahat sila halos de-kotse kahit secretary or clerk.

Mahiya naman si De Quiros ( tama ba name nya) and his admin, lahat na sila working there!
And why should they get a bonus kung maganda ang income ng investments, that fund is a TRUST FUND. MANAGERS lang sila na may fixed fee/salary. WHY, pag lugi ba sa bear market, babayaran nila ang losses?

Yan ang dapat baguhin but does Noy even understands this?
ang hirit ng mga yan (de quiros), maliit pa yan! icompare nyo sa sweldo ko from the private sector, nag-pay cut na nga ako nyan e! SSS president or bank president, anlaki ng agwat sa bonus nyan ha?! wala nang ibang tatanggap ng trabahong ito na di ka lang magpapay-cut, makukulong ka pa (admin and crim case) kung may malaki kang pagkakamali! nagsakripisyo ko, Para sa bayan!  :harhar: :hihi: :applause:

its not noy who should understand but the lawmakers. pnoy only executes the law in place kahit mali-mali.

DreamWalker

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Re: SSS, what can we expect from it?
« Reply #53 on: Jan 29, 2016, 07:58 PM »
^ Oh I am sorry you are not familiar with an audit procedure.   How do you measure collection efficiency?  SSS reported those numbers (32.5 million members)

from what i know once nag work ka sa private sector sop na yang sss number, and auto deduct na yan once na employ ka.  sa pagkaka alam ko din ay by quarter ang remit ng employer sa sss. masasabi ko na mataas ang collection effeciency nila sa contributions but sa loan collections nila maaring mas mabababa kasi kung hindi dumaan sa HR ang tseke mo or hindi mo sinabi sa accounting niyo na may loan ka hindi ka nila kakaltasan. dito nagkaka problema kasi tumutubo ung loan mo pero wala ka bayad then magbibigay sila ng loan condonation na konti lang babayaran mo interest para lang bumalik sa kanila ung na loan mo na pera. loan condonation ang lagi hinihintay ng mga delinguent na loaner sa sss. kung papatupad naman nila na bayaran mo lahat kawawa din naman ung nag loan pero by right dapat naman magbayad talaga ang tao ng principal + interest. kung ipatutupad naman nila na strikto at waalng loan condonation tiyak madami na naman magra rally niyan sa edsa

i found this article while searching for sss effeciency, if you read it objectively logical din naman ung numbers na sinabi nila. hindi lang kapani paniwala ung sinabi ni colmenares na % ng collection kasi nga accounting dept ng company ung humahawak ng sss contributions and nare remit un by bulk. saka kahit saan form ngayon required na ang sss at gsis number ng tao, so kahit hindi ka magbayad o lulubog lilitaw ka ng bayad consider ka pa rin na member. kung itiwalag ka naman tyak reklamo sasabihin san pupunta ung na contribute ng tao.

http://www.mb.com.ph/sss-debunks-low-collection-efficiency-allegation/
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wilch23

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Re: SSS, what can we expect from it?
« Reply #54 on: Jan 29, 2016, 09:49 PM »
i'm not really that interested in sss kasi nga gsis member ako hehehe.

anyway, i understand. and also sss members themselves should report and file their complaint para mas mabilit madetect na hindi nagbabayad...

again, hindi GSIS pension ang motivators ng SSS employees. even while they are working, ineenjoy na nila ng husto ang sss fund with their high salaries and various benefits. lahat sila halos de-kotse kahit secretary or clerk.
ang hirit ng mga yan (de quiros), maliit pa yan! icompare nyo sa sweldo ko from the private sector, nag-pay cut na nga ako nyan e! SSS president or bank president, anlaki ng agwat sa bonus nyan ha?! wala nang ibang tatanggap ng trabahong ito na di ka lang magpapay-cut, makukulong ka pa (admin and crim case) kung may malaki kang pagkakamali! nagsakripisyo ko, Para sa bayan!  :harhar: :hihi: :applause:

its not noy who should understand but the lawmakers. pnoy only executes the law in place kahit mali-mali.

Why not NOy? Dba the Executive Dept ang nagbibigay ng bonus and salary scale / scheme nila, after their proposal, congress then approves, disapproves or make some changes. The REAL INITIATOR is still the EXECUTIVE headed by Noy

wilch23

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Re: SSS, what can we expect from it?
« Reply #55 on: Jan 29, 2016, 10:09 PM »
from what i know once nag work ka sa private sector sop na yang sss number, and auto deduct na yan once na employ ka.  sa pagkaka alam ko din ay by quarter ang remit ng employer sa sss. masasabi ko na mataas ang collection effeciency nila sa contributions but sa loan collections nila maaring mas mabababa kasi kung hindi dumaan sa HR ang tseke mo or hindi mo sinabi sa accounting niyo na may loan ka hindi ka nila kakaltasan. dito nagkaka problema kasi tumutubo ung loan mo pero wala ka bayad then magbibigay sila ng loan condonation na konti lang babayaran mo interest para lang bumalik sa kanila ung na loan mo na pera. loan condonation ang lagi hinihintay ng mga delinguent na loaner sa sss. kung papatupad naman nila na bayaran mo lahat kawawa din naman ung nag loan pero by right dapat naman magbayad talaga ang tao ng principal + interest. kung ipatutupad naman nila na strikto at waalng loan condonation tiyak madami na naman magra rally niyan sa edsa

i found this article while searching for sss effeciency, if you read it objectively logical din naman ung numbers na sinabi nila. hindi lang kapani paniwala ung sinabi ni colmenares na % ng collection kasi nga accounting dept ng company ung humahawak ng sss contributions and nare remit un by bulk. saka kahit saan form ngayon required na ang sss at gsis number ng tao, so kahit hindi ka magbayad o lulubog lilitaw ka ng bayad consider ka pa rin na member. kung itiwalag ka naman tyak reklamo sasabihin san pupunta ung na contribute ng tao.

http://www.mb.com.ph/sss-debunks-low-collection-efficiency-allegation/

What you are saying is that the employer auto collects from the employees (SSS members) kaya walang kawala ang SSS member. Pero what happens to the collection? Maraming company hindi nag reremit nito sa SSS mismo, for a variety of reasons. This is the COLLECTION EFFICIENCY problem na sinasabi nila which really NEEDS improvement.

Re LOAN payment collection, iba eto. This is more of loss of income for SSS.
Eto basic setup ng SSS.
1. SSS collect membership dues thru the private employers, wherein the companies contribute more than the members. So automatically lamang ang members kahit ibalik lang ang hulog credited to him sa SSS.
2. From the dues, SSS will provide for pension, death and other benefits with corresponding rates/ terms and conditions.
There will also be operating expense, which should be taken from the dues, NOT from the EARNINGS of the SSS TRUST FUND.
3. To pay for no.2 above, the collected fund will need to earn and grow. How?
Thru all sorts of loan to members or other people.
By investing part of the fund in Real Estate, Stocks and others.

As to which figures are accurate, ewan ko na.
Pa EXTERNAL AUDIT, para malaman.
Sa sweldo and other operating expense, dapat 5% or less only based on collection of dues. They have no right to the trust fund and its earnings.

bajoyjoy

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Re: SSS, what can we expect from it?
« Reply #56 on: Jan 30, 2016, 02:15 PM »
Why not NOy? Dba the Executive Dept ang nagbibigay ng bonus and salary scale / scheme nila, after their proposal, congress then approves, disapproves or make some changes. The REAL INITIATOR is still the EXECUTIVE headed by Noy
no.

as a govt corporation (not sure if its a GFI or GOCC), the sss law (their charter) gives the sss board the power to approve bonuses, etc. they need not go up to pnoy. self-serving, obviously. the way to correct this is for lawmakers to amend SSS law/charter and bawasan ang discretion nila sa mga monetary benefits. i also dont know if covered ang sss sa mga GOCCs na rquired magpa-approve sa governance commission ng mga ganyan, parang 3 years ago pa lang nabuo yang commission kasi saka "performance-based incentives" lang yata ang nireregulate, sori di rin ako updated... at kung covered sila ito, may nadeny na ba sa mga pinropose nila kasi nga lagi naman pag fiscal autonomy ng chartered agency ang ininvoke nila, lusot na. sa coa na ang next na level na mag-audit kung sobra na sila..




« Last Edit: Jan 30, 2016, 02:30 PM by bajoyjoy »

wilch23

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Re: SSS, what can we expect from it?
« Reply #57 on: Jan 30, 2016, 08:14 PM »
Hmmm.... ok, BUT,and a big BUT si NOy pa rin ang BOSS nila.
He can order them not to give the bonus or to limit it to a certain amount.
Sino b nag appoint a SSS executives.
Kung considered GOCC then under pa rin sa EXEC Dept.
As in Mamasapano, the Pres is ultimately the one responsible.
Kung hindi nya ma-control, mahina ang management skills and control nya.
Well, we already know that pala.

Bawal din pass the buck to COA.
An ounce of prevention is worth a pound of cure.
« Last Edit: Jan 30, 2016, 08:15 PM by wilch23 »

bauer

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Re: SSS, what can we expect from it?
« Reply #58 on: Feb 01, 2016, 11:18 AM »
                                                     Malaysia retirement fund        GSIS fund                           SSS fund
         
total contribution                                   53,754,528.00             83,681,317,310.00     120,650,000,000.00
contribution withdrawals                           35,467,747.00             83,275,403,441.00     102,598,000,000.00
Net investible amount                           18,286,781.00                  405,913,869.00       18,052,000,000.00
% investible to contribution                       34.02%                         0.485%                              14.96%
         
Gross investment income                   40,972,720.00             48,323,000,000.00        34,530,000,000.00
Operating expenditure                             2,272,406.00               7,510,000,000.00          8,113,000,000.00
% operating to gross investment                      6%                                       16%                                23%

2013 divident credited to members     35,467,747.00       

What can we know from figures presented herein:

Malaysia is well managed compared to GSIS & SSS because there is a 34% available excess for investment.

Malaysia has the lowest expense ratio on investment income while we see that GSIS reports a lower expense than SSS, we should take note that GSIS members based are 1.5 million ONLY while SSS has 32.5 million members.  In effect, on a per member basis, GSIS spends a lot of money.

Malaysia has a better retirement plan because Malaysia credits a huge amount to EACH MEMBER'S ACCOUNT in a form of dividends a feature not present in either SSS or GSIS.
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bauer

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Re: SSS, what can we expect from it?
« Reply #59 on: Feb 01, 2016, 11:24 AM »
Now we know the facts on SSS

We overpaid the officers and employees.  23% of investment income were spent as operating expense.

A huge collection deficiency of more than 50%.

Very low retirement income unlike its counterpart in government --- GSIS and AFP-PNP pension

Next what are the proposed solutions to STOP the injustices and restore the fund to good health? 
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    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: https://www.pinoymoneytalk.com/mutual-funds/ 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
  • 3iuoj: Fundko legit ba?
    May 23, 2018, 08:43 PM
  • katiepuno: sino po nagpapa loan here?
    May 19, 2018, 06:07 AM
  • Forexanalysis: hello all
    May 11, 2018, 01:43 PM