Guide to PERA instruments
PERA

Ultimate Guide to PERA Investment Instruments

It’s been almost 3 years since the implementation of Personal Equity Retirement Account or PERA at the end of 2016. Up to this time, most Filipinos are still in the dark about what PERA means and what it can do for them in their retirement. Many of those who have heard of PERA opt to avoid putting their money in it due to a combination of lack of information regarding PERA investment instruments and confusion on how PERA fits in their financial plans. Earlier this year, I wrote a primer on PERA and why all of us need it asap. I’m

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Retirement for Pinoy professionals
PH Government Benefits

What Retirement Looks Like for the Regular Filipino Professional

In the Philippines, we have separate retirement schemes for those who are employed in the private sector and those in government. Private sector employees are covered by the Social Security System (SSS), while its counterpart is the Government Service Insurance System (GSIS). Both are mandatory, which means that employees and employers alike cannot opt out of paying premiums, even if they think they can get better returns by investing somewhere else. As long as you’re employed, the government requires that your HR department deduct the right amount from your salary every month and remit it to SSS or GSIS. Both

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What is PERA and why you need one right now
PH Government Benefits

What is PERA and why you need one right now

Personally, I don’t want to grow old poor. I’m sure you don’t want to be poor when you grow old either. And I bet that nobody in the world ever wants to be old and poor. So in order to help Pinoys prepare to be not poor when they’re old, I will discuss PERA in depth, and why you need one right now. [bctt tweet=”Retirement planning is a crucial yet regretfully neglected part of financial planning in the Philippines. People usually put off saving for retirement in the last 5 to 10 years of their working lives. #PHretirement #retirement #FIRE”

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Katie Scarlett

Katie Scarlett

is a personal finance advocate working towards achieving financial independence and early retirement (FIRE).

Read her story here.

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