Do you want to Make Money and Grow Money?

YES, I want it!


By: Marvin Germo | February 11, 2020

Investing Is Made Easy Now

Investing is easy nowadays. There are a lot of investment portfolios in the market—stocks, bonds, mutual funds, and so on. Everything is within your reach now. I’ve been talking a lot about the PAG-IBIG MP2 Program which is used by most Filipino investors. I’ve shared with you how to do it and the reasons why you need to open your account now. Today, I want to focus on its possible downside to give you another perspective on this investment. I hope this will help you decide to push through with your account opening or not.

Catch me in my live training events! (quick plug)

The heart of why I do these seminars is I want to build a generation of Filipinos with the right foundation in stock investing.  I want to bring smart investing to every Filipino around the world! If you would like to know more about how you could time the market check out the training below.

Stock Smarts Taiwan – February 15, 2020
Stock Smarts Manila: March 14, 15, 21, 22 & 28, 2020
Stock Smarts Singapore: May 16 – 17, 2020
Stock Smarts New Zealand: June 6 – 7, 2020
Stock Smarts Sydney: July 11 – 12, 2020
Stock Smarts London: April 18 – 19, 2020

MP2’s Earnings Are Yearly

This can be a good indication but some investors will find it troublesome to receive yearly earnings from PAG-IBIG. One of the possible downsides of investing in MP2 is its ability to give out earning annually. Why do I think that this is a downside? Again, it depends on your preference as an investor. If you want earnings that you can receive per month, this is not for you. There’s also an option when you open your account to receive the dividends at the end of its maturity date. Basically, you have to wait for 5 years before you can handle your money.

The Dividend Rate Is Not Fixed

If you are looking for fixed-income investments, this is not for you. The MP2 program’s dividends are not fixed. Anything can change within a year. Every year, there is a recorded rate of dividend and it can be different from the past and future rates. So, if you want a fixed rate, you should not rely on what MP2 can give you. On the other side of it, it can go up and higher than the previous rate. It can also get lower but the exact same percentage that you received in the past.

It’s Possible Not To Give Dividends

It can happen—MP2 Program not giving dividends for a year. Again, there is no guarantee that you will receive higher or lower dividends. It all depends on the profit generated by PAG-IBIG for the year. If there are losses, the best value you can get is the original amount of your accumulated investment. That’s the worst risk you have to face when you invest in this program. If it happens in the future, you should still expect that PAG-IBIG can incur losses or zero income in the future.

I’m excited to share my 5th book overall and the 4th book in the Stock Smarts series, Stock Smarts: Breaking the Resistance – How to time your traders perfectly. The heart of this book is to teach you strategic ways on how to come in and buy and sell stocks in a way where you come as the market is headed up and come out as the market is headed down. The book is now out and exclusive via Marvin Germo Book Orders.
For more details and to order my other books: Marvin Germo Book Orders