<blockquote rel="LittleBoyBlue"><blockquote rel="LokiJr">@skyline yep that's my plan...why take out pre-tax money when you can let it grow on its own...pag tanda mo doble pa pension mo...if you don't want the Philippine pension you can always redirect the funds back to your loved ones in the Philippines 🙂
@LittleBoyBlue, puwede ka naman maghulog uli anytime...yung disadvantage lang talaga ng pagkuha ng pera kaagad e mawawala yung tax effectiveness ng naipon mo sa Pag-ibig..ika nga don't kill the goose that lays the eggs hehe
@rbolante yeah makes perfect sense naman yung punto mo hehe...ako kasi balak ko gamitin yung pag-ibig benefits para bumili ng lupa sa Pinas (in the future) Kung mapapansin mo sa Australia, a lot of them Aussies are into property investing at para satin sa Pinas, Pag-ibig na yung pinaka convenient na paraan hehe</blockquote>
pano ba yung tax effectiveness na yun? hindi ako familiar dun eh. Ang line of thought ko lang ngayon eh I can make that money grow sa investment sa PH through index funds or blue chips na stocks, unlike yung pera ko nasa kanila na gobyerno nakikinabang. Ni-statement kung magkano na pera natin dun wala eh dba? Di katulad ng sa SSS, at least nakikita mo magkano na-contribution mo. </blockquote>
Check mo payslip mo...bago makaltas ng tax yung suweldo, bawas na yung SSS, Pag-ibig at Philhealth....pag winithdraw mo siya pre-maturely, magbabayad ka tax....kung naisipan mo sa hinaharap na gusto mo uli magcontribute (at nasa Australia ka na)...perang nakaltasan na ng tax yung ipangg-gagamit mo....dun nawala yung tax incentive.
It's not much right now pero kung pinalago mo yan ng taon...lalaki at lalaki yun 🙂