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ipon lang ng ipon hanggat kaya, aral lang din ng aral hanggang may time. and don't forget to reward yourself din from time to time especially when you feel that you deserved it for working hard.
@Samantha1 thank you for the honest comment, I feel better now. Haha! Joke. Pero if may investment ka naman po, ok pa din.
@goblinsbride haha! Congrats sa kanya.
@tambay7 baka nga po, instant money.
Thank you po sa advise.
Maganda din yung may guide ka sa expenses and savings mo. Ako I follow my own 30-10-60 rule:
30% for recurring expenses here in SG and sa PH
10% for luho and other gastos
60% for savings
So far nasusunod ko siya, single and no lovelife siguro kaya madali HAHAHA
For those who have extra monies laying around na gusto niyo paglaruan, you can try investing for equity shares. Sa PH market, you can try Citisec Online. Convenient kasi pwede mo ma-access portfolio mo dito sa SG. If SG and international markets, try DBS Vickers. Or if you're a complete risk taker, why not invest in cryptocurrencies like Bitcoin and Etherium?
whole life insurance - eto ung binabalik ung premiums pag dka namatay . kaya pwede savings pero mas mahal ang premium. pag kinancel mo, pwede may makuha konti
term life - hindi binabalik ung premium kaya mas mura pero mas makakuha ka ng mas malaking coverage . pwede mo icancel dahil term lang sya. pero wala ka makukuha
insurance should not be used as savings..should be for protection just in case
emergency fund should be able to cover what you need from unemployment. if you estimate 6 months max to find a job, that should be your emergency fund. kung wala ka medical insurance,then you include this also
REMEMBER: its not how much you earn, its how much you SAVE.
30% for recurring expenses here in SG and sa PH
10% for luho and other gastos
60% for savings (minsan less, never naging more)
Iwas iwas sa mga malls kasi nakakatukso.
so yun ang mas sure win na talagang makaka ipon ka at i heard nag iinterest din ng malaki......nasa sa iyo nlang kung paano mo budgetin ang pera mong natitira at dapat matututo kang mag tabi kahit paano sa natitira mong salary
Siguro nakuha lang sa dasal......pag nag pray kasi ako sa Novena Church lagi ko sambit kay LODI LORD na pamaskong handog nalang sakin ung approval.........ayun siguro I am not Naughty that time kaya kasama ako sa list ng Nice ni LODI LORD at ng matangap ko yung letter from MaMa ayaw ko pa nga buksan...kagagaling ko lang ng simbahan yun....pray muna me hirit ko pa rin kay LODI LORD na "please....please....please" yun lang.....all things happen so fast...ng mabuksan ko ayun...boom bastik......pasado....
Bait talga ni LODI LORD.......
Employee Contribution = $3,000 x 20% = $600
Employer Contribution = $3,000 x 17% = $510 (eto considered na gain)
Sa computation po sa taas, Yung $600 na hinulog ko, may tubo na akong $510 or 85%. Guranteed po yan. Kahit sabihin pa natin na yung iba mapupunta sa medisave, malaki pa rin siya. May corresponding interest pa din yan annually depending sa OA (up to 3.5%) , SA at MA (up to 5%) .
Kung wala po akong CPF, $600 lang ang ipon ko, Yung $510 inde naman ibibigay ng kompanya ko kasi wala naman akong CPF account. Bihira lang ang nagbibigay. Sasabihin pa sayo mag pr ka muna at saka ko ibibigay share ko. Worst, sabihin sayo kasama na yun doon sa sahod mo.
Eto rin po ang aking opinyon at inde po "rubbish returns" ang cpf. Bihira lang ang may ganitong returns. Makukuha mo din lahat yun pati interest kung kailangan mo ng bumalik at mamalagi sa pinas.
Cheers!!!
I already had employer contribution (kahit foreigners they pay in leiu of CPF) = so not always necessarily a gain. This got paid to me in cold hard cash, now outright witheld na sya.
It's still rubbish, coz both my employee contribution and employER contribution was given into my hands in cold hard cash, free to invest directly into businesses which is able to be tripled in one year. CPF cannot do that for me.
Hence, what I wrote (opinion ko lang din) still stands:
"kung disciplined ka with money/savings/investment, CPF has rubbish returns, sobrang liit. ties up a lot of your capital instead of doubling/tripling it sa pinas. mas ok lang sya sa mga tao that needs "forced' savings. Pero kung marunong ka maghawak ng pera at mag negosyo, hassle sya. Opinion ko lang na man."
lol 3.5% / 5% returns are laughable for me (annual pa to ha) sorry. Di ka yayaman dyan.
15% is given to me (1,500) every month. So 11500 clears my bank account in cash as a foreigner.
Then you become PR.
All of a Sudden:
Good bye SGD 2,000 Emloyee Contribution
Good bye SGD 1,500 Employer Contribution (yeah meron gain na 2% kase 17% vs 15%)
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3,500 mawawala sakin bwan bwan. 42K a year in liquid cash na pwede ko palaguin ng todo sa pinas, and we're not talking rubbish 3%/5% annual returns, we're talking triple gains or 300% annually.
Again to reiterate. The subject in question /statement was the CPF returns are rubbish - let's just stick to that - and still holds true. Peace din bro.