In this episode we explore PERA otherwise known as Personal Equity and Retirement Account.

We give overview of its general features and how to tell if that would provide better gains. However, if you need more information about PERA get a more detailed advise from consultants.

⏱ Timestamps

0:00 Intro

3:33 Disclaimer

3:50 What is P.E.R.A.

5:32 Who is eligible to open a PERA

5:57 When am I allowed to withdraw my PERA contribution?

7:32 How much can I contribute to a PERA?

9:07 Who are the parties to a PERA aside from the "Contributor"?

10:53 Investment products available for PERA

12:46 Advantages of PERA

13:56 Advantage 1

15:53 Sino ang magbebenepisyo sa income tax credit?

17:58 Advantage 2

18:38 Do we get taxed when we invest in UITF?

19:56 Ano ang NAVPU?

21:21 May tax benefit bang makukuha sa PERA kung nag-invest ss UITF?

21:35 UITF investment return outside and inside PERA

27:23 Maganda nga bang mag-invest via PERA?

28:22 Recommendations

29:38 Greetings and shout outs

32:26 Outro

📱 Socials

Facebook: https://www.facebook.com/retironaryo

Business Enquiries: [email protected]

Podcast: https://feeds.captivate.fm/retironaryo/

👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!

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In this episode we try To address the question of ‘is it wise to invest in US stocks when the Phil-US exchange is not good’ you will be surprised about what we found.

⏱ Timestamps

0:00 Intro

0:52 Announcement

2:16 Disclaimer

2:30 Applications/Websites Used for the Study

3:44 USD:PHP Forex History (31 Years)

7:38 Performance of PSEI vs USD:PHP

12:02 PSEI vs SPY (19.3 Years)

16:50 Cost Averaging with PSEI and SPY from 2004 to 2023

26:35 Last Messages

29:01 Outro

📱 Socials

Facebook: https://www.facebook.com/retironaryo

Business Enquiries: [email protected]

Podcast: https://feeds.captivate.fm/retironaryo/

👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!

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In this episode, we tackle a problem that was shared by a member of a Facebook group faced with a dilemma of how to invest her savings wisely. We read her situation and gave some possible solutions -- see how we used the retirement calculator to help predict these options for her retirement, please watch the video from start to finish. Do not skip!

Please like share and subscribe to us so that we can serve more people with our content.

⏱ Timestamps

0:00 Intro

1:23 Disclaimer

1:37 Case Study

6:29 Problem to Solve

7:34 No Passive Income for the Family if Bread Winner Dies

12:22 No Passive Income for Bread Winner at Retirement

14:44 SPY Exchange Traded Fund

15:34 Retirement Calculator - How Much to Save Monthly?

19:56 Retirement Calculator - Cost of Living (Lifestyle) at Retirement

21:59 Greetings and Shout Outs

22:56 Outro

📱 Socials

Facebook: https://www.facebook.com/retironaryo

Business Enquiries: [email protected]

Podcast: https://feeds.captivate.fm/retironaryo/

👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!

Hosted on Acast. See acast.com/privacy for more information.

In this episode we talk about an overview on how to choose the right funds within COL Financial. We discuss what factors to consider, and an example of a CAGR analysis. So if you are interested to know more, please watch our video.

⏱ Timestamps

0:00 Intro

2:14 Disclaimer

2:26 Sources

3:37 Factors to Consider

4:34 Mutual Funds Available

5:35 Sorting Options

6:07 Equity Fund, Aggressive, Local

6:31 Equity Fund, Aggressive, Global

6:58 Paano Pumili

7:07 Fact Sheet Sample

9:43 CAGR Analysis and it's Limitations

11:06 Col Financial and Fact Sheet Data

11:23 Excel Spreadsheet to Compare CAGR

18:52 Shout out and Greetings

19:49 Outro

📱 Socials

Facebook: https://www.facebook.com/retironaryo

Business Enquiries: [email protected]

Podcast: https://feeds.captivate.fm/retironaryo/

👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!

Hosted on Acast. See acast.com/privacy for more information.

In this episode, we continue to discuss pathways or options for people who wanted to go abroad - particularly in Australia, the common pathways are through working or student visa.

⏱ Timestamps

0:00 Intro

1:18 Disclaimer

1:36 Saan Kukuha ng Pera Para sa Application

5:31 Situation sa Australia

9:19 About Australia

11:22 Insight 1: Study Your Qualifications and How it Aligns to the Current Demands of the Market

13:31 Insight 2: Study the Specific Requirements of the VISA you are Applying for

14:27 VISA Pathways - Study

18:09 VISA Pathways - Work (Employer Sponsored VISAs)

19:07 VISA Pathways - Work General Skilled Migration

19:45 Timeline

23:15 Scenarios

24:25 Other Options

24:43 Key Take Away

28:15 Outro

📱 Socials

Facebook: https://www.facebook.com/retironaryo

Business Enquiries: [email protected]

👍 If you enjoyed or found this video helpful, don't forget to leave a like or subscribe to the channel so we can serve more people through our content!

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In this episode we discuss some insights about going abroad or overseas to either work as an OFW or potentially migrating for good. We talk about requirements and the first steps. This is a two-part episode so for those who are keen to leave the country for ‘greener pastures’ this episode is for you.

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Have you heard about a retirement calculator? Have you ever used one? Here in Retironaryo, we developed a unique tool to help you determine the following:

a. Investment plan calculator – to answer the question of how much money do you have to save or invest monthly

b. Current investment calculator – to answer the question on how much money do you have to have invested right now

c. Cost of living or lifestyle calculator – to determine what kind of lifestyle you can afford given the amount of money you have or can save

This tool also have a monitoring spreadsheet so you can keep track of your investment plan.

Our tool also has some bonuses: CAGR Calculator, present value/future value calculator and an ability to compute for the future value of repeating payment.

In this episode we also reviewed an extract of episode 9 where we had a case study on the use of the calculator.

This calculator is not available on any other platform or app, as this is uniquely developed /designed by Jarvis Laurilla. If you are interested in using this tool, reach out to us at [email protected] to get a copy for a very minimal fee (AU$5 or PhP200), to support our advocacy.

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Hosted on Acast. See acast.com/privacy for more information.

Hosted on Acast. See acast.com/privacy for more information.

Happy birthday Retironaryo! We are one year old now, and to celebrate we are giving you PART 1 and PART 2 of our Balik-tanaw or year-end review of all the episodes we have done to date.

Episode 53 (this episode) reviews the beginnings of Retironaryo and the topics we have discussed up to Episode 22. We continue that in Episode 54.

This is going to be a jam-packed episode, so strap your seat belts and be ready for the ride! This is a good quick recap if you missed some of our very valuable episodes.

Please like, share and subscribe to our videos so that we can serve more people with our content. Thank you!

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