Philippines Retirement Fund?! SHOULD YOU INVEST IN P.E.R.A.? | A Complete Beginner’s Guide 2024

Опубликовано: 12 Май 2026
на канале: Charm de Leon
51,020
1.3k

P.E.R.A. or Personal Equity and Retirement Account is a long-term voluntary savings program by the Philippine Government. In this video, let's talk about what it is, what its benefits are, and how you can invest in it. Very few Filipinos are invested in P.E.R.A. and it definitely needs more attention.

Dealing with personal finances, especially since it’s not taught in school can be quite hard and confusing. I hope this video and this channel will help you out with the challenges we are facing right now with personal finance, entrepreneurship, and adulting in general.

►Outline :
0:00 - Introduction
1:13 - What is P.E.R.A.?
2:03 - Benefits of P.E.R.A.
4:16 - Who's Involved?
8:04 - When to Claim
9:30 - Sample Computations
11:22 - Trading
12:31 - How to Invest in P.E.R.A.
14:37 - Final Thoughts

► Sources
https://www.bsp.gov.ph/Regulations/Ba... Laws/RA9505_IRR.pdf
https://www.pna.gov.ph/articles/1170059
https://www.bsp.gov.ph/Media_And_Rese...
https://www.metrobank.com.ph/articles...
https://www.bpiassetmanagement.com/up...

► Previous Videos :
GINVEST ►    • WHY GINVEST IS NOT FOR ME | Pros and Cons ...  
STOCK MARKET 101 ►    • HOW THE STOCK MARKET WORKS | Stock Market ...  
GOTRADE REVIEW ►    • Buy Apple, Google, Tesla Stocks for P50 | ...  
PAGIBIG MP2 ►    • SHOULD YOU INVEST IN PAG-IBIG MP2? | A Com...  
INVESTING VIDEOS ►    • Investing in the Philippines  

►Download these apps (Referral Links)
► ShopBack - Get P100!: https://app.shopback.com/phl?raf=pkpsnX
► PAYMAYA - Get p50: https://p85qk.app.goo.gl/4M9Y // code : 42625QML56P0
► CITI CREDIT CARD APPLICATION ► https://bit.ly/R2AphCITICC
► Download GoTrade here: https://heygotrade.com/referral?code=...
► Let’s Adult Planner & Book ► https://shp.ee/3k5w4hv

►Ready2Adult Ph
Instagram:   / deleoncharm.  .
Instagram:   / ready2adultph  
Facebook Page:   / ready2adultph  
Facebook Group :   / ready.  .
Email: [email protected]
Subscribe : https://www.youtube.com/CharmdeLeon?s...

► Music Credit: DJ Quads
Track Name: “IT’S NEAR”
Music by: Dj Quads @   / aka-dj-quads  
Official YouTube Channel HERE: https://www.youtube.com/channel/UCusF...

Disclaimer:
This video and description contain affiliate links where I may or may not receive a commission. This helps support the channel and allows me to continue to make videos such as this. I am not a financial advisor. Always do your due diligence.

KEYWORDS:
how to invest for students and beginners, how to invest in the Philippines, investing in the Philippines, how to invest in 2022, P.E.R.A., PERA Philippines, PERA savings, BPI PERA, BDO PERA, ATRAM PERA, Seedbox PERA, retirement fund ph, ROTH IRA Ph, retiring in the Philippines, retirement income, SSS, pension Philippines, passive income ph, investing 101, risk appetite investing, how to start investing for students, personal finance Philippines, Charm de Leon, Ready2Adult Ph