<blockquote rel="manofsteel">Thanks sa mga replies.
I asked kung worth continuing ba kse pag di mo daw nacover yun 120months na hulog pde pa rin magclaim ng lumpsum equivalent to number of months na naihulog mo na (im not sure lang if that includes the interest your hulogs have earned). Tas di din daw buo ibbgay, parang lumpsum yun first 18mos, tas yun next bgay is on 19th month na, something like that.
Pag tinuloy naman daw magvoluntary, there might still be a chance na di mo makuha din yun retirement benefits without going thru the hassles of claiming. Not to mention na may chance din kurakutin ng govt yun hulog ng members esp sa mga nag max voluntary.
Yun mom ng misis ko may nakukuha pension, pero super liit. That's why sabi nila if you do voluntary contri it could've grown higher sa ibang investment, pero siempre need pa din aralin kung ano investment yun. Kaya medyo hati pa rin sa pag decide </blockquote>
Setting aside other factors and just focusing on the value, i think the best way for you to decide is to calculate it and see if the return would be beneficial for you or not. In my case, I did some assumption na makaka 120 contribution ako then ang hulog ko is 1500 per month na ang equivalent is approximately 15000 sa range of compensation.
SSS montly pension calculation - if 120 ang nahulog mo, malamang dito ka papasok "forty (40) percent of the average monthly salary credit". Pag kinalculate mo yan nasa 6000 pesos ang makukuha mo per month upon retirement kung ang hulog mo today is 1500 per month.
Other type of investment - let's assume na nilagay mo yung pera na ihuhulog mo sa ibang investment scheme at tutubo ito ng 7% per annum (sobrang baba na po ito). 120 contributions times 1500 pesos would amount to PHP180,000. then compounded interest of 7% for 25 years would amount to PHP977,000.
Ngayon why did I compare these two, if yung pera mo nilagay mo sa investment mo na tutubo ng 7% per annum meron kang PHP977,000 at the age of retirement. Kung sa SSS mo naman ilalagay yung pera na yun, makakakuha ka ng 6000 per month, para makuha mo yung amount na PHP977,000 na nakuha mo pag ibang investment, aabutin ka ng 13 years (977000 pesos divided by 6000 per month then divide again by 12 months/year). So in my opinion, if you know how to invest in other schemes, then it would be better because the return in investment sa SSS ay mababa po talaga.