24/04/2025
PAG-IBIG regular savings (OFW) 📌👀
Before nung nasa Pilipinas pa ako wala akong interest sa kahit anong investment, like stocks, mutual funds and others kinds of investments. Hindi dahil sa ayaw ko, kung hindi kulang yung knowledge ko galing sa school, kasi di yun yung focus ng halos lahat sa university. Kung hindi”Degree and Diploma” which is valid naman. Kasi how would you able to get a job kung wala kang diploma which is the first requirement when you applying for a Job in the Philippines.
Moving forward, I quit univ. for some reasons and applied abroad. Before ka ma approved, we were required to open an account sa Pag-Ibig which I did. Pero diko na realize yung significant neto. Nag open lang ako and nagbayad ng 300pesos and that’s it never na ulit na continue. Wala na akong p**i before kaya ganun. Also, 2 years ago I’m very much curious sa mga investment na to, And I invested to knowledge first, but unfortunately nung natanggap na ako abroad and start working na stop na yung learnings ko, na overwhelmed na ako kasi medyo malaki na kini kita ko and nakalimutan ko yung gustong kung matutunan before which are Investing and Trading.
Then couples of months ago, I started learning again. Ang ginawa ko ay manuod, magbasa and mag tanong. Kasi parang wala napupuntahan kinikita ko, like I asked myself, after 5 years ganito parin set up ko? Sahod-sahod nalang? But before that, I also invested for myself, lahat na ng luho para sa sarili ko naubos ko na. Yeah I believe pa rin sa First rule “invest to yourself first”.
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Fast forward. Before ako umabot dito sa PAG-IBIG nag start na ako invest using DRAGONFI as my BROKER and bought a stocks from different corp. specifically yung mga company na nagbibigay dividends(quarterly) sa mga investors like yung mga REIT’s companies and even JFC. (Not to recommend this)
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So ayun, sa dami-dami ng binasa ko umabot ako sa PAG-IBIG which I disregarded couple of year ago. And upon reading nagulat ako sa binigay nilang dividends sa mga members nila (see photo attachment below) if alam mo paano basahin yan or kung gusto mo mag research ka para mas matuto ka.
Akalain niyo, 2 years ago pa yung 300 ko naging 333 na ng diko alam. Hamakin mo tatlong beses lang ako nagbigay that costs 100pesos per month. Imagine nalang if na continue ko yan, and mas nilakihan ko pa ang regular savings ko na kaya ko naman talaga, how much kaya ma earn ko now or ever after 5-10 years. Grabe 😮 talaga. So what I did is, I started contributing again with a bigger amount pa and paid the whole year in advance. And plan to UPGRADE it sa MP2 saving na malaki rin dividends and 5 years ang maturity. Akalain mo more than 7% yung dividends nila last year. So up to you now. Di rin naman nababawasa pera mo dito, mas lalaki pa😄
To my Kababayan na OFW, take it for consideration, wag tayong uuwing zero.
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Disclaimer: This post is for informational purposes only. I don't hype stocks or recommend buy to avoid liability. Hindi dahil ito ang sabi ko, ng ibang tao o ng nakakarami ito ang gagawin mo, especially kung kulang and sapat lang yung sinasahod mo.
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Reminder: make sure last ang investment sa paglalaanan mo ng pera mo. (Which means invest mo lang yung sobra).
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