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00:00.0
Ang bagong labas na SSS WISC Plus ng Social Security System. Ano nga ba yung WISC?
00:08.0
Ang WISC ay ang Workers Investment and Savings Program ng Social Security System.
00:15.5
So ang WISC Plus, ito ay ang Voluntary Retirement Savings Program to Augment SSS Regular Social Security Program.
00:25.8
So ibig sabihin ito po ay pandagdag talaga sa ating retirement. Yan po yung kanyang main purpose.
00:36.6
At ang kagandahan po nito kapag tayo ay naglagay dyan, yan po ay tax-free.
00:42.6
At itong WISC Plus naman po, ang minimum contribution natin dito ay P500. So para rin siyang pag-ibig MP2, P500 din.
00:51.8
And you can also pay your contributions anytime. So hindi na kinakailangan ang SSS contributions kasi natin sa regular at sa regular WISC din.
01:03.8
Ito ay binibigay natin kada buwan at mayroon siyang deadline.
01:09.8
Itong WISC Plus, you can contribute anytime. Kahit araw-arawin mong gusto maglagay, nasa sa iyo yan.
01:15.8
Yung investment earnings ng WISC Plus ay mas mataas po kaysa sa kinikita natin kapag nilagay lang natin sa bangko.
01:26.8
So yun. And WISC Plus is also open to all SSS members regardless of their membership type.
01:35.8
So kahit na ikaw ay voluntary member, ikaw ay self-employed, wala po yung kinalaman kung pwede ka po magdiretso ng mag-WISC Plus.
01:47.8
Wala pong kinalaman yun. And wala din pong kinalaman yung declared monthly earnings and last posted monthly salary credit mo.
01:55.8
Kahit na kumari naglagay ka ng ikaw yung lowest monthly salary credit doon sa ating SSS,
02:06.8
pupwede ka pa rin maglagay ng kahit magkano doon sa WISC Plus mo.
02:10.8
Kasi wala yang kinalaman doon sa monthly salary credit at monthly earnings mo.
02:18.8
So yun. So yung SSS retirement program kasi natin. So ngayon pag titignan natin yung ating SSS retirement program,
02:27.8
parang may layers-layers na siya pag titignan natin.
02:30.8
So unang-una ay yung regular SSS natin which is compulsory. Ito po ay compulsory lalo-lalo sa mga employees.
02:38.8
Php20,000 po ito maximum. So hanggang dyan lang talaga yung salary credit natin doon sa SSS natin.
02:46.8
Tapos yung karagdagang Php10,000 doon kasi yung pinakamataas na monthly salary credit ay Php30,000.
02:53.8
Yung Php20,000 doon ay nagfufall under the regular SSS program.
02:58.8
Yung Php10,000 ay nagfufall under WISC which is also still compulsory.
03:05.8
Yung susunod na layer itong bagong-bago nga ay yung WISC Plus natin which is voluntary.
03:12.8
Php500 ang pinakamaliit na pwedeng ilagay to any amount.
03:17.8
So kung gusto mo maglagay ng Php10,000,000, go ahead.
03:22.8
Kasi yan po ay wala naman yung limit.
03:29.8
So tinatanong ni Rose sa atin, maganda daw ba yung WISC Plus?
03:37.8
To augment our retirement ay okay siya pero ang kailangan din natin tignan ay yung kanyang earnings.
03:45.8
Kasi hindi ko pa natche-check yung Flexi and Peso Fund performance before
03:51.8
pero kung better ito than the banks, okay naman.
03:53.8
Pero sana ang maging peg kasi natin yung dividend ng pag-ibig MP2.
03:59.8
So how to apply for WISC Plus?
04:03.8
Ginawa ko na po yan kanina ang dali-dali lang in fairness sa SSS.
04:10.8
So ang kailangan natin gawin ay i-accept natin yung ating WISC Plus terms and conditions
04:17.8
na nakalagay sa ating my.sss account.
04:21.8
So pumunta lang po tayo sa member.sss.gov.ph at doon tayo magpapamember.
04:30.8
Papakita ko sa inyo mamaya kung paano.
04:32.8
Dahil itong WISC Plus ay pang augment sa ating retirement, you only have to apply only once.
04:38.8
So hindi katulad ng MP2 na pwede tayo magkaroon ng multiple accounts.
04:41.8
Dito sa WISC Plus, isa lang ang ating magiging account.
04:47.8
Yung membership natin dito pag nagpamember tayo, hindi po nag-expire yan.
04:51.8
So tuloy-tuloy lang po yan.
04:53.8
At kailangan din na para mag-qualify tayo sa WISC Plus,
04:57.8
wala pa tayong na-file na final benefit claim sa SSS which is retirement or total disability.
05:05.8
So for example, yung mga magulang ko na sila ay nagpa-pension na sa SSS ngayon,
05:10.8
hindi na po sila puwedeng makapag-WISC Plus dahil nakapag-file na sila ng final benefit claim.
05:19.8
Okay? So ano yung gagawin natin?
05:22.8
How to apply? Sabi nga pumunta tayo sa member.sss.gov.ph
05:27.8
at mag-login tayo sa ating my.sss account.
05:31.8
So yan po yung nakikita ninyo ngayon sa ating screen.
05:36.8
Nakpalakihin ko para makita ninyo.
05:41.8
Okay. Tapos yun naman pong pagkatapos natin yan,
05:45.8
makapag-login, papasok tayo at pupunta tayo sa services and then i-click lang natin yung Enroll to WISC Plus.
05:54.8
Pag-click natin yung Enroll to WISC Plus, lalabas na po yung ating enrollment, ano yung status nya.
06:03.8
Kung mapapansin ninyo, nakalagay dyan, WISC Plus enrollment ay wala pa pong date na nakalagay.
06:10.8
So ibig sabihin hindi pa yan na naka-enroll.
06:14.8
So dito sa may bandang kanan, lower right natin, i-view natin yung Terms and Conditions.
06:20.8
So yan yung kailangan natin gawin.
06:22.8
I-click lang po yan, View Terms and Conditions, at ito po ang lalabas.
06:26.8
So nandyan na lahat ng mga Terms and Conditions ng WISC Plus.
06:30.8
Tapos i-click nyo lang po yung I Accept.
06:33.8
Kapag na-accept nyo na, yan na ang lalabas.
06:39.8
Kayo po ay successfully enrolled na sa WISC Plus.
06:43.8
So yan po, nagawa ko na siya kanina.
06:46.8
At pag titignan natin siya, magkakaroon na ng date doon sa enrollment natin,
06:55.8
sa WISC Plus enrollment natin dito.
06:57.8
Magkakaroon niya ng date kapag tayo ay enrolled na.
07:00.8
So what about FLEXI and PESO Fund?
07:03.8
Na-remember nyo, meron tayong FLEXI and PESO Fund mula sa SSS.
07:08.8
So ang mangyayari po dito ay this will eventually be part of WISC Plus.
07:15.8
Noong last ko pang nakausap ang mga tagi-SSS,
07:17.8
ang sabi sa akin ay im-emerge na nila yung PESO Fund at yung FLEXI Fund dito sa WISC Plus.
07:23.8
Pero hindi po ako sure ha kasi sabi nila ay eventually it will be part of WISC Plus.
07:28.8
So antayin natin ang kanilang advice.
07:34.8
Si Ruel tinatanong niya, is WISC Plus withdrawable anytime po?
07:41.8
I think hindi siya withdrawable anytime.
07:44.8
May mga conditions na kailangan makita yan.
07:48.8
Pero I will research this more at pag-uusapan natin siya in another episode.
07:54.8
So yan yung aking first na investment recommendation for 2023
08:00.8
para sa mga intermediate investors.
08:03.8
Ang ating WISC Plus.
08:06.8
Thanks for watching.
08:08.8
Kung may kapamilya, kaibigan, o pakilala kang tingin mo ay magiging interesado dito sa video,
08:14.8
please share to them or tag them in the comments section.
08:18.8
Siyempre, kung nagustuhan mo ang video, pusoan mo na ito.
08:22.8
Subscribe ka na rin.
08:24.8
As always, feel free to write your questions, comments, and opinions respectfully.
