• Headlines
  • City/Region News
    • Covid-19 Advisory and Updates
    • Baguio City
    • CAR
    • Nation
  • Sectoral news
    • Elections
      • Elections – 2022
      • Elections – 2019
    • Agriculture, Fishery and Pets
    • Business and Livelihood
    • Education, Arts & Culture
    • Environment and Disaster Management
    • Science, Health, and Welfare
      • covid-19 advisory and updates
    • Tourism, travel and Events
    • Other Lifestyle
    • Police Beat
  • Opinion
    • Editorial
    • Columns
    • Timek Ti Umili
  • Sports
    • Sports (Home)
    • Sports (Special Feature)
  • Other sections
    • Features
    • Photos/Videos
      • Photos
      • Videos
    • Words for reflection
    • Sponsored articles
    • Jobs in Baguio
    • Elections
  • Ads & Notices
    • Obituaries
  • About Us
    • About Us
    • Directory
    • Contribute
    • Advertise
    • Cookie Policy
    • Contact Us
HERALD EXPRESS | News in Cordillera and Northern Luzon
ADVERTISEMENT
  • Headlines
  • City/Region News
    • Covid-19 Advisory and Updates
    • Baguio City
    • CAR
    • Nation
  • Sectoral news
    • Elections
      • Elections – 2022
      • Elections – 2019
    • Agriculture, Fishery and Pets
    • Business and Livelihood
    • Education, Arts & Culture
    • Environment and Disaster Management
    • Science, Health, and Welfare
      • covid-19 advisory and updates
    • Tourism, travel and Events
    • Other Lifestyle
    • Police Beat
  • Opinion
    • Editorial
    • Columns
    • Timek Ti Umili
  • Sports
    • Sports (Home)
    • Sports (Special Feature)
  • Other sections
    • Features
    • Photos/Videos
      • Photos
      • Videos
    • Words for reflection
    • Sponsored articles
    • Jobs in Baguio
    • Elections
  • Ads & Notices
    • Obituaries
  • About Us
    • About Us
    • Directory
    • Contribute
    • Advertise
    • Cookie Policy
    • Contact Us
No Result
View All Result
  • Headlines
  • City/Region News
    • Covid-19 Advisory and Updates
    • Baguio City
    • CAR
    • Nation
  • Sectoral news
    • Elections
      • Elections – 2022
      • Elections – 2019
    • Agriculture, Fishery and Pets
    • Business and Livelihood
    • Education, Arts & Culture
    • Environment and Disaster Management
    • Science, Health, and Welfare
      • covid-19 advisory and updates
    • Tourism, travel and Events
    • Other Lifestyle
    • Police Beat
  • Opinion
    • Editorial
    • Columns
    • Timek Ti Umili
  • Sports
    • Sports (Home)
    • Sports (Special Feature)
  • Other sections
    • Features
    • Photos/Videos
      • Photos
      • Videos
    • Words for reflection
    • Sponsored articles
    • Jobs in Baguio
    • Elections
  • Ads & Notices
    • Obituaries
  • About Us
    • About Us
    • Directory
    • Contribute
    • Advertise
    • Cookie Policy
    • Contact Us
No Result
View All Result
HERALD EXPRESS | News in Cordillera and Northern Luzon
No Result
View All Result
Home Columns

Workers’ investment and saving program

Christian Andrew Rillorta by Christian Andrew Rillorta
July 13, 2022
in Columns
Reading Time: 2 mins read
53 3
0
Pensioner’s day at ang SSS Pension Loan Program
29
SHARES
294
VIEWS
Share on FacebookShare on Twitter

Dear SSS,

Ano po yung bago ninyong programang may kinalaman sa investment? Narinig ko kasi sa aking kaibigan na pwede daw mag-invest ang SSS members sa inyo? Pwede mo ba itong talakayin sa susunod na column? Salamat po! – Ronald, Baguio City

Mabuting araw sa’yo, Ronald. Ang tinutukoy mo ay ang Workers’ Investment and Savings Program o WISP. Ito ay isang mandatory provident fund na pinamamahalaan ng SSS at nagsisilbing karagdagang savings mechanism para sa mga miyembro. Inilunsad ang WISP noong January 2021 bilang pagsunod sa probisyon ng Republic Act 11199 o Social Security Act of 2018.  Layunin ng programang ito na madagdagan ang matatanggap na benepisyo sa ilalim ng SSS regular program ng mga miyembrong wala pang final claim tulad ng Total Disability, Retirement at Death Benefit.

RelatedPosts

Apayao Dam Project Roils Hornets’ Nest

Iron deficiency anemia

Extension of housing loan penalty condonation

Automatic na kabilang sa WISP ang mga miyembrong nagbabayad ng kontribusyon na lagpas sa P20,000 ang Monthly Salary Credit (MSC). Halimbawa, sa MSC na P20,500, ang katapat na buwanang kontribusyon nito ay P2,665.00. Sa halagang ito, P2,600 ay mapupunta sa regular na SS contribution, samantalang ang P65.00 ay mapupunta sa kanyang WISP account. Isa pang halimbawa, kung ang isa namang miyembro ay nagbabayad sa maximum Monthly Salary Credit na P25,000.00 batay sa 13% contribution rate, ang kanyang buwanang SSS contribution ay P3,250.00. Mula rito, ang P2,600.00 ay mapupunta sa kanyang regular na SS contribution samantalang ang sobrang P650.00 ay mapupunta sa kanyang WISP account.

Para sa isang employed member, ang WISP contribution ay paghahatian nila ng kanyang employer tulad sa sharing ng regular SSS contribution na kung saan ang 4.5% ay manggagaling sa empleyado at 8.5% naman sa employer. Samantala, sasaluhin ng mga self-employed, voluntary, at non-working spouse members ang kabuuang halaga ng kanilang SSS contribution, kabilang na rito ang para sa kanilang WISP. Ibig sabihin, sabay na binabayaran ang regular SS contribution at WISP.

Anumang halaga na ilalaan ng miyembro sa kanyang WISP account ay gagamitin ng SSS sa investment. Anumang kita o “accumulated value” mula rito ay ibabalik nang proporsyonal sa miyembro sa oras na tatanggap na siya ng SSS final benefit claims tulad ng Retirement, Total Disability, at Death Benefits. Kung tinatanggap ang Retirement o Total Disability sa pamamagitan ng buwanang pensyon o lumpsum, ganoon din ang pamamaraan na pagtanggap ng kanilang WISP benefit.

Sa pinakahuling datos ng SSS, aabot na sa P333.77 milyon ang kinita ng WISP sa unang taon ng implementasyon nito na kung saan ang 6.39% nito ay naibalik na sa mga miyembro.  

ADVERTISEMENT

Sa mga datos na ito, napatunayan na ang WISP ay ligtas na investment program para sa mga SSS members. Bukod pa riyan, buong buo pang matatanggap ng miyembro ang kaniyang benepisyo dahil tax-free ito. Sa dumaraming investment schemes na nagaalok ng malaki at nakakasilaw na return of investment (ROI), mas makakabuting huwag magpadalos dalos at suriin muna nang husto ang mga ito. Kung susuriin niyo ang WISP, makikita na siguradong ligtas ang pera niyo dito.

Magpadala lamang ng email sa rillortac@sss.gov.ph kung may katanungan, paglilinaw o anumang paksa tungkol sa SSS na nais ninyong pag-usapan.

Share12Tweet7Send
ADVERTISEMENT
Previous Post

Benguet board reorganizes 24 standing committees

Next Post

Online sellers, dropping areas warned vs. selling, accepting for delivery tobacco, vape products

Christian Andrew Rillorta

Christian Andrew Rillorta

Related Posts

CAR Experts Triangulate Highlands Growth Snags

Apayao Dam Project Roils Hornets’ Nest

by Bony A. Bengwayan
February 3, 2023
0

BAGUIO CITY – Indigenous people in highland Cordillera are very discerning when others outside of their realms suddenly appear offering...

Fiber and Your Health

Iron deficiency anemia

by Imelda Degay
February 2, 2023
0

Are you one who easily gets tired, seemingly lacking of interest, enthusiasm or concern without any obvious reason? Having pale...

Pensioner’s day at ang SSS Pension Loan Program

Extension of housing loan penalty condonation

by Christian Andrew Rillorta
February 2, 2023
0

May housing loan ka ba sa SSS na matagal mo nang hindi nabayaran? Noong October 2022, naglabas ng sirkular ang...

Next Post
Probe on shares of LGUs from tobacco excise taxes sought

Online sellers, dropping areas warned vs. selling, accepting for delivery tobacco, vape products

DENR-CAR told to submit details of south-bound terminal project

DENR-CAR told to submit details of south-bound terminal project

Adiwang streak snapped, Belingon woes continue

Adiwang wants rematch with Minowa

ADVERTISEMENT

Recent News

Baguio ready for 26th edition of Panagbenga

Baguio ready for 26th edition of Panagbenga

February 3, 2023
Fate of Cordillera in House version of charter change doubted

Researchers conduct archaeological study in Tabuk

February 3, 2023
Fate of Cordillera in House version of charter change doubted

5 PWDs receive assistive devices from the MP

February 3, 2023
CAR Experts Triangulate Highlands Growth Snags

Apayao Dam Project Roils Hornets’ Nest

February 3, 2023
ADVERTISEMENT
HERALD EXPRESS | News in Cordillera and Northern Luzon

Herald Express is a news organization based in Baguio City that has a weekly publication and an online news portal. The newspaper is circulated in the different provinces of Northern Luzon. The name of the fastest-growing publication in town is coined from the word ‘quick messenger’ which is self-explanatory.

Follow Us

Search

No Result
View All Result
  • Headlines
  • City/Region News
  • Sectoral news
  • Opinion
  • Sports
  • Other sections
  • Ads & Notices
  • About Us

© 2022 Baguio Herald Express - Website Design by Neitiviti Studios.

No Result
View All Result
  • Headlines
  • City/Region News
    • Covid-19 Advisory and Updates
    • Baguio City
    • CAR
    • Nation
  • Sectoral news
    • Elections
      • Elections – 2022
      • Elections – 2019
    • Agriculture, Fishery and Pets
    • Business and Livelihood
    • Education, Arts & Culture
    • Environment and Disaster Management
    • Science, Health, and Welfare
      • covid-19 advisory and updates
    • Tourism, travel and Events
    • Other Lifestyle
    • Police Beat
  • Opinion
    • Editorial
    • Columns
    • Timek Ti Umili
  • Sports
    • Sports (Home)
    • Sports (Special Feature)
  • Other sections
    • Features
    • Photos/Videos
      • Photos
      • Videos
    • Words for reflection
    • Sponsored articles
    • Jobs in Baguio
    • Elections
  • Ads & Notices
    • Obituaries
  • About Us
    • About Us
    • Directory
    • Contribute
    • Advertise
    • Cookie Policy
    • Contact Us

© 2022 Baguio Herald Express - Website Design by Neitiviti Studios.

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In
We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept All”, you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent.
Cookie SettingsAccept All
Manage consent

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
CookieDurationDescription
cookielawinfo-checkbox-analytics11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional11 monthsThe cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance11 monthsThis cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy11 monthsThe cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytics
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
Others
Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.
SAVE & ACCEPT

Add New Playlist