SSS sa mga miyembro, magsimula nang mag-impok para sa retirement

HINIKAYAT ng State-run Social Security System (SSS) ang mga miyembro nito na simulan na ang mag-impok para sa kanilang retirement sa ilalim ng muling ipinakikilalang savings program na maaaring umani ng mas mataas na annual return.

Sa isang kalatas, sinabi ni SSS president at CEO Rolando Macasaet na ang mga miyembro ay maaaring boluntaryong mag-enroll sa MySSS Pension Booster program sa halagang P500 lamang.

“And they can contribute any amount anytime because there is no limit on the amount they can invest,” ayon kay Macasaet.

Para sa mandatory scheme, tinuran ni Macasaet na ang mga miyembro na nagko-contribute ng mas higit sa ceiling na P20,000 sa Regular SSS savings ay awtomatikong naka-enroll na sa booster savings plan.

“If you want to build your retirement fund while you are young, invest in the MySSS Pension Booster. Do you have a medium-term financial goal? Why not start saving your money in the MySSS Pension Booster to reach that goal? Our savings program offers so much flexibility than most savings programs,” ani Macasaet.

Ang MySSS Pension Booster plan aniya ay maaaring magbigay sa mga miyembro ng tinatayang annual return rate na 7.2%.

Ang mga nag-apply para sa pagpapalabas ng Social Security (SS) number ay hinihikayat din na mag-enroll sa pension booster program.

Ani Macasaet, pinapayagan ng SSS ang partial o full withdrawal ng kanilang savings sa pension booster program kung saan makukuha ng mga ito ang kanilang kabuuang kontribusyon kasama ang investment earnings.

Idinagdag pa ni Macasaet na hinihikayat ang mga miyembro na panatilihin ang kanilang pera sa programa hanggang sa sila’y magretiro.

“When they get their retirement, total disability or death benefits from the Regular SSS Program, they will also receive their total contributions plus investment earnings from the MySSS Pension Booster tax-free,” ang pahayag ni Macasaet.

Sa kabilang dako, tinawagan naman ni Macasaet ang mga maritime professionals, Overseas Filipino Workers (OFWs), self-employed professionals, at corporate executives, na simula nang patatagin ang kanilang retirement funds “as early as today.”

“Planning and saving for retirement should begin from the first day they start earning money. When people are in their 20s, they have their whole life ahead of them. Saving for their retirement becomes their least priority,” ayon kay Macasaet.

“However, the best time for them to start saving for retirement is today while they are young. When they retire, they will realize the immense value of building a retirement fund early in their lives,” aniya pa rin.

“The younger they start contributing to the MySSS Pension Booster, the longer they have time to grow their retirement savings. If they start contributing now while they are in their 20s, they will have ample time to build the retirement fund they want rather than start saving when they are already in their 40s,” dagdag na pahayag ni Macasaet.

Winika pa ni Macasaet na maaaring gamitin ng mga miyembro ang kanilang kinikita mula sa MySSS Pension Booster kung sila’y mananatili sa programa ng limang taon o higit pa dahil sa tagal na ipanatili ng mga ito ang kanilang pera sa SSS, mas malaki ang makukuha nilang kita mula rito.

Ang MySSS Pension Program ay “the pension fund’s rebranded Worker’s Investment and Savings Program (WISP) and WISP Plus as SSS repositioned its savings program to cater to corporate managers and executives, doctors, lawyers, OFWs, Filipino expats, seafarers, and young professionals who want to boost their savings or retirement funds.”

The MySSS Pension Booster ay kabilang sa mga reporma na ipinakilala ng Republic Act No. 11199 o Social Security Act of 2018, si Finance Secretary Ralph Recto ang nag-sponsor nito noong siya ay isang senador pa lamang, nagsilbing Chairperson ng Social Security Commission, itinuturing na pinamataas na governing body ng SSS.