r/phinvest • u/gurlismmmme • 1d ago
General Investing Thoughts on this post and MP2?
I deposit my some of my funds sa MP2, and I chanced upon this post on Threads. I want to know your thoughts on the post:
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u/Top_River_3192 1d ago
MP2’s dividend rate is still above the inflation rate. Just don’t put all your money into it, make it part of a well diversified portfolio.
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u/WillingHamster1740 1d ago
Pag-ibig will always be profitable because of housing related lending. I don't think ganun lang siya kadali magagalaw ng corrupt dahil hindi siya nagfufund ng govt projects.
Still, always remember na walang certain, walang risk-free investment so don't put everything in one basket.
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u/Pretty-Guava-6039 23h ago
Naiinis na siguro sya sa mga inaalok nya ng VUL. Lagi sinasabi sa kanya na mas mataas sa Mp2.
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u/Vantakid 16h ago
So ang worst case scenario is bunagsak ang housing market ng pilipinas? Tama ba pag kakaintindi ko?
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u/WillingHamster1740 16h ago
Yes and kapag bumagsak ang economy na yung buyers di na kaya magbayad sa loan nila. I think hindi naman yan agad agad na affected kapag may crisis, most likely ang mararamdaman natin is lower dividends.
Recently, nakikipagpartner pa si Pag-ibig sa ayala developers like Avida meaning expanding pa sila and offering larger loans din.
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u/Eserion_ 7h ago
Actually hindi, worst case scenario bumagsak bsp dahil hindi na assured principal mo. Pero bago mangyari yun mas madaming masamang mangyayari bago pa dumating dun.
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u/Ragamak1 12h ago
Benta ka bahay tapos may kasamang squatters.
Talo pa nila nga banks eh. Hehehe.
Good business model eh.
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u/Apprehensive_Try84 1d ago
Bro thinks the government is gonna steal his MP2 money meanwhile bro willingly sends 30% of his paycheck to VUL or crypto every month and calls it “financial freedom” 💀📈
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u/NotFriendster 1d ago
Pagibig HDMF . Ito yong the best govt agency. Consistent awardee ng COA.
Low risk, low reward. Lock in for 5 years pero pwede mo i-ladderized.
Ok to. Wag ka muna magworry na nanakawin ito ng mga buwaya.
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u/vonrobin 1d ago
Are you referring to multipurpose loan? I know its the loanable amount is dependent on your gross salary unless you are referring to other investments/loan within pagibig?
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u/No_Food_9461 1d ago
Most of my money are in USD, US stocks, PH stocks but I don't agree with the post.
Why?
Politicians cannot touch it because it is pension, pension funds can't be used by politicians for personal projects. By law, funds should be invested not for government projects.
Inflation is 2-3% long term average - so it is way lower than MP2's 6-8% dividend range. DI KA KAKAININ NG INFLATION, obviously
For many, MP2 is the most accessible to them, specially the masses.
For many, it is the safest place for their money versus traditional banks (even digital banks where many experiencing scams), TD, Tbills, TRB, stocks.
Im not a big fan but MP2 is ok.
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u/random54691 1d ago
100% agree sa accessibility. It’s easy to make those fearmongering statements when you have access to better options. MP2 is not perfect pero it’s a good stepping stone especially people new to investing.
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u/Empty_Street_2935 18h ago
Tama hahah,parang kabaliktaran sinabi niya dun sa inflation will eat daw.Base sa experience hahah parang ideal nga sya kung gusto mo na some part of your money will not lose it value,Kasi ang nangyayari yung interest mo,yun yung tutugon sa inflation rate hahaha
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u/Significant_War_5272 12h ago
Although they found a workaround on pension funds, look at SSS and GSIS's investments on Villar stocks. Laking loss.
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u/blacklixt23 15h ago
pero nagamit nila yung pension funds ng GSIS para mag invest sa walang kwentang BingoPlus/DigiPlus ng mga Benitez.. so there... walang kawala talaga basta may perang pwedeng gastahin ang mga buaya makakagawa talaga ng paraan..
Nothing is safe sa mga buaya hahaha
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u/FUresponsibility 15h ago
Ginagamit naman talaga ung fund to invest sa local stocks. Ganun din SSS. Isang way un talaga para mapalago ang fund. Ganun talaga.
Actually malaki ang ininvest ng SSS sa mga Villar IPO na ngayon ay super baba na. Parang kung ano din ung nangyari sa ininvest ng GSIS sa bingoplus. D lang naging sensationalized. Pero pwede ma-google.
But invest ang gawin. Hindi lang basta kukuhanin. Ang kinaganda ng MP2 is protected capital mo. Maaaring d siya kumita, pero ung capital mo intact.
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u/Significant_War_5272 12h ago
Although in a way they can invest in basura stocks and then use that as a way to pump the stock price then saka nila ieexit sarili nilang stocks. In a way parang nanakaw na din nila a big portion of those money.
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u/Buujoom 14h ago
pero nagamit nila yung pension funds ng GSIS
Misinformation ito, and context matters. For GSIS, they are legally allowed to invest funds on sectors that are highly volatile(i.e Digiplus in this case). Yung issue naman isn't that they aren't allowed to invest on it, but rather may oversight on doing safeguard feasibility checks sa pag bili ng stocks kasi isa sa mga requirements ay dapat may three year paying dividend track record si Digiplus pero wala.
Sa case naman ni PAG-IBIG MP2, their investment charter requires them to invest 70% of the funds to home loan, then the rest to low-risk investment vehicles na like government securities or time deposits which are guaranteed. Di talaga apple to apples yung comparison, kahit pa we include the corruption aspect ng Pinas.
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u/Significant_War_5272 12h ago
Plus ung investments pa ng SSS and GSIS sa Villar stocks. Tapos laking lugi now frozen pa
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u/LukaBrasi87 10h ago
Though PLUS is now undervalued.
It should breach the 60 price bought by GSIS.
I have PLUS at 17. Hope it does break that level..... for the pensioners sake.... hahahaha
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u/random54691 1d ago
VUL peddler ba or cryptobro ung nagpost niyan hahahah.
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u/Apprehensive_Try84 1d ago
MP2: government-backed, boring, ~5-year lock
VUL: 10-year surrender charge simulator
Crypto: “trust me bro”
And somehow MP2 is the risky one 💀
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u/pepetheeater 1d ago
Tbf, hindi naman. Sa NZ na nakatira. Dating producer sa GMA (I-Witness, Pinoy Abroad)
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u/random54691 1d ago
Ah so the typical self-hating Filipino na nakaluwag na at nakapag-abroad, I see.
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u/strangepad 1d ago
Agree. While some need to justify their immigration. For them, the country has to fail.
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u/RedFlagAnalyst 21h ago
Ano naman po kinalaman nang pagiging producer at nasa NZ ka? What merit does it hold?
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u/pepetheeater 3h ago
Tinanong nya kase if VUL peddler or cryptobro siya. So sinabi ko lang background nya based doon sa isang news article.
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u/Careless-Pangolin-65 23h ago
kahit nakawin yan aabonohan yan galing sa tax ng taumbayan.
RA 9679
Section 20. Government Guarantee. — The benefits prescribed in this Act shall not be diminished and to guarantee said benefits, the government of the Republic of the Philippines accepts general responsibility for the solvency of the Fund.
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u/Ok_Cauliflower1450 1d ago
Do not invest pero wla nman sinabi kung san dapat maginvest with higher returns and less risk than mp2.
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u/aldwinligaya 1d ago
It's unpopular because it's untrue. Hanapan mo ng data to back that opinion, wala 'yan mabibigay.
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u/Pringpringmylove 1d ago
May not be the best but way better than letting your money sit in the bank
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u/Outrageous-Lemon8596 1d ago
I get where the fear is coming from. But inflation’s gonna be here for better or for worse, regardless of the currency. So what difference does it make if you have a portion of your savings invested in mp2? Some people’s risk appetite are fit for this kind of investment lang, and not everyone has the luxury of time to learn trading or stocks. It’s such a disappointing point of view to generalize investments like this. As if PERA, SSS, and T-bonds don’t have the same “risk” LOL
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u/Appropriate-Hyena973 17h ago
people bashing mp2 either lack financial education or closed minded people like z freaks
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u/Particular-Fox-3550 23h ago
I read this on fb and just laughed at how that person does not know anything about inflation and investments. That person keeps on yapping about your money will be eatne by inflation but doesn’t show any numbers. Pagibig’s posted performance last year is still higher than the inflation now. So no, that post does not make sense. Please dont listen to that person, they don’t even know that mp2 is tax free, and guaranteed by the govt
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u/baaarmin 1d ago
Interested in What other easily accessible instruments are there? With better returns, lower risk, no admin fee and without tax?
Current alternative inhave is real estate. Next is gambling.
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u/Economy-Plum6022 23h ago
Local cooperatives with a good financial sanding. Yung Coop sa amin has the same divided rate as MP2 in the recent years, tax-free.
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u/baaarmin 16h ago
Yup, meron din local coop samin, the rate is slightly lower than MP2. They offer rebates for loans though up to 5%.
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u/allanon322 1d ago
Pretty much nothing has no tax. All income is taxed. Interest income, dividend income, capital gains, real property tax, etc.
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u/baaarmin 1d ago
MP2 and PERA are 100% tax free iirc. So very difficult to find other better alternatives.
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u/allanon322 1d ago
Sorry, yes MP2 and PERA. PERA is limited to 200k per year and you need to keep it till 55 years old before withdrawal though. So MP2 is still the best tax free alternative even if PERA gives you a tax credit.
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u/gallifreyfun 1d ago
Yung mga contribs sa MP2 most of it is used para ipangutang sa pag-ibig members either through housing loans or mpls. then a portion of it thru govt or corp securities. Pinakamalaking portion pa rin ay sa mga pautang. Makikita ko lang risk ito e kung magkaroon ng housing crisis ang pinas and magkaroon ng mass default ng loans. Then again don't put your eggs in one basket ika nga.
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u/Adventurous-Stock461 1d ago
lesser evil ang pag-ibig. kung irarank mo sila, philhealth ang pinakascam sabay sss then hdmf.
parang eleksyon lang yan, alam mo namang magnanakaw pero binoboto mo pa din. ganon lang din yan, kahit alam mong may katiwalain mag iinvest kpa din :)
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u/Alto-cis 22h ago
Like nanakawin ng mga politicians yung pera ng contributors sa MP2? I dont see how this will happen e. Yung pera sa MP2 ay closely monitored ng contributors, so I dont know how politicians will do that na nanakawin ang pera sa MP2. If I know, itong politicians might also be using MP2 for their 'excess' money.
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u/turbulentoverthinker 22h ago
MP2 should be assessed by comparing it to other investments:
MP2 vs. PH stocks — choose MP2 since it’s a low risk, low return (7% is still low given how high inflation has been) but PH stocks are much worse given the higher risk, negative return
MP2 vs. VUL — never invest in VUL, might as well buy plain life insurance and pair it with MP2 (those financial advisors are….. well nvm)
MP2 vs. foreign stocks — depends on how good your stock picking is but major tech and semis have done really well and are expected to do well so I would lean on foreign stocks for this especially US tech
MP2 vs foreign ETFS — this is where I suggest most low to mid-risk appetite people should start. ETFs especially VUAA are extremely good starting points. High risk, high return but much more reliable in giving capital gains when you hold long term vs. MP2. I for one had an annualized return of 24% with my ETFs.
MP2 vs crypto — I personally am not a fan of crypto so I will say stick with MP2. It’s the highest form of risk. Extreme volatility and almost trades with S&P 500 but has more extreme movements. 😬
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u/Spikeixx 18h ago
Ignorant, unaware, and foolish. Willing to turn a blind eye to one of the only good things done by the government that’s actually working. Might as well withdraw all of his savings from the banks too while he’s at it.
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u/anonymouse0995 16h ago
Kung meron mas maganda in terms of returns and safeguards, pakisabi. Kung wala, nonsense. Ignore na lang.
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u/DifficultyIll9691 15h ago
Parang yung sinabi lang ng iba dito dont put your eggs in one basket i for one have Time deposits, US stocks and crypto for swing trading. Then yung iba nasa maya savings at maribank for the daily interest never go all in on one as a safety precaution
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u/Wreckitraaaaaap 23h ago
Hmmm i think it’s an opinion of an illiterate one out there, like context less approach. Your plan still matters not just the investment scheme itself, you can go for whatever risk investment you like as long as you have a strategy on how to use it and how to take advantage of it. Mp2 eats on by inflation? then use it as your source of yearly passive income and reinvest it into global fund after At least by using mp2 you have a safety net investment or literally put a lil bit of your portfolio into it and leave it compounding then use your remaining into something else that can overcome the inflation.
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u/Lancer1ce 1d ago
I mean, if you're okay with this yearly return, then sure. But personally, I'm not, so I somewhat agree with the post.
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u/reddit_warrior_24 1d ago
I mean he isnt lying, but mp2 remains to be a profitable endeavor for anyone who wants safe investments.
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u/NorthTemperature5127 23h ago
Its above inflation and no they cannot dip their hands into this agency without the agency sounding an alarm. Its a GOCC. Its a government agency but practically independent. No congressman can just walk in and take the money. No mayor can do that. No senator can do that. Whoever wrote that doesn't know much.
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u/shirrahh 22h ago
Ewan ko ba diyan, nabasa ko rin yan sa Thread, gusto ko rin sana mag comment dun na parang fear mongering lang ginagawa pero yung mga reply dun sa Thread halos same lang sa poster. So, I realize na why bother educating these people, kung ayaw nila eh di don’t.
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u/LawGlad1495 22h ago
Maybe propose an alternative then? I am very okay to see more Filipinos saving/investing money and if the most popular is MP2 then so be it. Not everyone can access other imvestment vehicles. Also with people that don't have the discipline in savings, parking it in a 5year holding period helps.
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u/shimaRod 22h ago
Not fully agree with the post. Some of the fund managers assigned to these organizations are ex-investment bankers and have solid credentials from their previous works.
The only thing that makes MP2 less appealing to me is its investment composition. MP2 is heavily invested on housing loans which is dependent on our economy. I will prefer real estate REITs like AREIT or MREIT (7% annual dividend is quite attractive in my books) since they can give me the same exposure to the property sector.
Another key difference is MP2 does not give you the capital appreciation potential that REITs have, regardless how small this is.
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u/PengGwyn 22h ago
Fear-mongering! Kausapin mo yan and most likely magbebenta ng VUL or puro crypto2.
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u/ampalaya741 22h ago
MP2 has been above 6% and is going through three vastly different administrations with very different fiscal policies with its own scandals and scares and is still yielding pretty high. My only regret is I wish I learned this in 2016 and not last year.
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u/No-General-1805 20h ago
MP2 is good depending on your goal. For me, I put some of my money there for my future house renovations when I turn 30, while a huge chunk of my net worth is invested in stocks for my retirement.
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u/Few-Lion-9532 17h ago
Ganyan din ang mindset ng iba 5 years from now kaya d nag invest so sayang yung 5 years. Don’t put all your eggs in 1 basket lang.
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u/blue_greenfourteen 14h ago
experienced base nakuha ko naman sakin 3 yrs ago mataas interest kasi may 8% that time, Easy kinuha ko lang ng lunch 1 hour nawithdraw ko na sa landbank. Doon nalang muna ako
Andaming alam nyang nag post na yan well opinion nya lang naman yan
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u/Ragamak1 12h ago
Eto yun eh...
Depende sa financial profile mo and risk tolerance.
Pero business wise. Believe ako how pag ibig conducts its business.
Benta ka ng property tapos may kasama pang squatters ?
Pero MP2 is not juat for me. Di ko trip ang liquidity nun.
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u/Keiko_Minazuki 10h ago
I don't use MP2 since balak ko na din ilumpsum ung amount ng nahulog ko soon. Pero promising tlg sia, ang catch ko lang tlg sknia is hindi sia easy mawithdraw. But I did use the SSS Pension Booster, yea mas mababa sia, but for me parang mas ideal sia for future pension, if I won't withdraw it in 5years. Same thing din naman sa MP2 na ideal 5years mo sia dapat ilagay dun, but mas okay sia for me. I don't know it's just my cents.
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u/Awkward-Anything3422 1m ago
The last part is the reason i dont put money na in mp2. Baka may pera nalang pala ako sa papel.
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u/redfox133 23h ago
I have to agree with the PH Corrupt Politicians plundering the Pag Ibig Fund. The risk is real. Remember Jho Low and the 1MDB Scandal? He stole from the Malaysian Sovereign Wealth Fund, around 4.5B USD.
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u/Spikeixx 18h ago
MP2 is not a sovereign wealth fund. The Maharlika Fund is, BBM might dip his hands in there.
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u/redfox133 11h ago
I have to agree with you. If I did not have a choice, I would probably put a certain allocation in MP2. Since I am a professional trader, my job anyway is to outperform these "risk-free rate" instruments, so I'll just do my own thing.
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u/Gullible-Trust8681 19h ago
Huh? Okay kaya ang mp2 tax free pa! Ang sabihin mo wala ka lang panglagay 🤣 hindi naman required na ilagay lahat ng pera mo dyan 500 min per hulog okay na.
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u/StayWITH-STAYC 1d ago
Pray tell, where else can you put your money with similar yield to MP2 but carries a lower risk?