#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com.
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Pag-IBIG MP2:
* Watch the play list: https://www.youtube.com/playlist?list...
* How to invest: https://m.me/vincerapisura?ref=w13160758
SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list...
How to invest 100K: https://youtu.be/dxHRZn7uP-4
Celebrity guests include venus Raj (Season 1); Nicole Cordovez and
Vince Rapisura
Run time: 04:43
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00:00.0
Ang ating SSS 2023 contribution, so titignan natin yung contribution rate, ang minimum and maximum salary credits for per membership category at ang ating compensation and provident fund.
00:14.5
So ang minimum na ngayon na SSS contribution ay Php570 per month at ang maximum naman po ay Php4,230.
00:25.7
Kung kayo po ay empleyado, hindi nyo po buong binabayaran yung Php570 na minimum. Php180 lang po yung binabayaran nyo dyan.
00:36.4
So Php180 to Php1,350 yan yung employee share kapag kayo ay empleyado at ang employer share ay Php382 to Php2,850.
00:46.1
Kaya maganda po na tayo ay napag-employed kasi may benefit na ganito.
00:51.2
Okay. So ito ay bahagi ng pag-increase ng SSS natin, bahagi yan na nagsimula pa noong 2019. 2018 law po ito.
01:04.2
So nandito po tayo ngayon sa 2023 at matatapos ang pagtaas hanggang 2025. So ang magiging maximum salary credit ay Php35,000 by 2025 so ngayon po ay Php30,000 pareho din po next year.
01:19.8
At ang share in contribution natin, employee and employer ay 14%. So 9.5% magagaling sa employer at 4.5% magagaling sa employee.
01:31.1
Kung kayo po ay self-employed, voluntary member, yung buong 14% po ay kayo ang cargo. Eventually by 2025 magiging 15% po yan, 10% galing sa employer at 5% galing sa employee.
01:46.5
So ang amount of contribution natin, gaya nga nang sabi natin, by 2023, 570 to 4,230. At by 2025, ito po ay 760 to 5,280.
01:58.1
Okay. So aside from the regular na SSS natin, meron siyang kaakibat na WISP. So ito po yung regular WISP natin.
02:07.7
Ito po ay yung contribution starting at monthly salary credit above Php20,000. It shall go to the SSS Provident Fund called the Workers Investment and Savings Program or WISP.
02:20.9
So yung WISP contributions natin are shared by the employee and the employer. So may portion-portion pa rin siya.
02:29.3
Ang self-employed, voluntary, and OFW members shoulder WISP contributions on their own.
02:36.3
So ano ba yung mga benefits ng WISP? Mayroon itong total disability, debt, regular retirement pension, at may additional WISP retirement pension spread for 15 years.
02:49.8
So ibig sabihin, pag nag-retire tayo ng 60 years old, makakatanggap pa tayo ng ating WISP benefits until the age of 75.
03:05.5
After, pag 76 na tayo, tapos na yun kasi ubus na siya. So yung WISP Plus naman, iba po yung conditions niya.
03:16.4
So kailan ba ang deadline ng SSS contribution payments? Lagi akong natatanong dito.
03:22.1
Kapag tayo po ay regular employee, ang last day of the month following the applicable month po ang deadline.
03:29.0
Kapag household employees, last day of the month following the applicable month or calendar quarter.
03:39.3
Kapag self-employed, voluntary, and non-working spouse, last day of the month following the applicable month or calendar quarter.
03:46.5
Kapag OFWs, yung January to September na nalibanan natin, pwede tayo magbayad until December 31 of the applicable year.
03:54.9
Yung October to December naman ay until January 31 of the following year.
04:00.1
Kaya, magbayad po tayo at mag-participate sa ating SSS.
04:07.0
Ayan, ako po ang inyong financial guro, si Sir Vins, nagsasabing ang pagyaman na pag-aaralan at na pag-tutulungan.
04:17.5
Thanks for watching! Kung may kapamilya, kaibigan, o pakilala kang tingin mo ay magiging interesado dito sa video,
04:25.3
please share to them or tag them in the comments section.
04:29.5
Siyempre, kung nagustuhan mo ang video, pusoan mo na ito, subscribe ka na rin.
04:35.4
As always, feel free to write your questions, comments, and opinions respectfully.
