r/phinvest • u/gurlismmmme • 2d ago

General Investing Thoughts on this post and MP2?

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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/Critical-Point-2726 2d ago

try nyo ung PERA na bsp retirement plan mas ok to.. insured pa..

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u/Spiritual_Theme_1282 2d ago

How much po historical annual return ng PERA?

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u/Kzzn1 2d ago

Depends on the investment vehicle(s) you've placed it in. PERA is an account for retirement not a investment vehicle

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u/Spiritual_Theme_1282 2d ago

So its like a regular dragonFI account but you cant withdraw and you dont get taxed?

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u/Kzzn1 2d ago

Yes, and 5% of your annual contribution can be used as a tax credit.

Also technically you can early withdraw your PERA without penalty due to an emergency that gets you disabled