11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

(https://katiescarlettneedsmoney.com/)

Learn how to grow your money

Earnest makes investing simple. With bite-sized content and simple explainers

earnest.ph OPEN

About Katie Scarlett (https://katiescarlettneedsmoney.com/about-katie-scarlett/) Free Ebooks (https://katiescarlettneedsmoney.com/free-ebooks/)

Contact (https://katiescarlettneedsmoney.com/contact/)

Terms of Service and Disclaimers (https://katiescarlettneedsmoney.com/terms-of-service-and-disclaimers/)

E X PAT ( H T T PS : / / KAT I E S C A R L E T T N E E D S M O N E Y. CO M /C AT E G O R Y/ E X PAT/ ) / FINANCIAL HACKS

( H T T PS : / / KAT I E S C A R L E T T N E E D S M O N E Y. CO M /C AT E G O R Y/ F I N A N C I A L- H AC KS / ) / PH GOVERNMENT BENEFITS
( H T T PS : / / KAT I E S C A R L E T T N E E D S M O N E Y. CO M /C AT E G O R Y/ P H - G OV E R N M E N T- B E N E F I TS / )

3 Pag-IBIG MP2 Hacks For Advance Investors

POSTED SEPTEMBER 27, 2019 (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/) KATIESCARLETT
(HTTPS://KATIESCARLETTNEEDSMONEY.COM/AUTHOR/KATIESCARLETT/)

PAG-IBIG MP2 BASICS

Pag-IBIG MP2 Annual Dividends
FACTORS THAT MAKE OUR HACKS WORK
No investing amount limit
Tax-free
No limit on the number of Pag-IBIG MP2 accounts you can open
Dividends distribution options
Guaranteed safe
3 PAG-IBIG MP2 HACKS – EXPLANATION AND METHOD
1. MP2 Rollover
2. Dividend Harvesting
3. MP2 Ladder
HAVE FUN MIXING AND MATCHING

FINAL THOUGHTS
https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 1/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Enjoyed this article? Tell people!

Like this:

I
think most of us would agree that Pag-IBIG MP2 is a great investment. It is one of the most popular investment instruments for
both OFWs and workers based in the Philippines. Its popularity is due to the fact that Pag-IBIG MP2 is guaranteed by the Philippine
government and has a higher dividend rate compared to other safe investments like time deposits, retail treasury bonds, and
money market funds. The MP2 is a boon to Filipinos who want their money to grow but are afraid to put their money in other,
riskier investments. If you’re one of these people, this post is for you. I will show you three Pag-IBIG MP2 hacks to help you: preserve
your hard-earned money, avoid paying taxes, and at the same time take advantage of the Philippine government’s guarantees and
MP2’s comparatively high dividend rates.

Now before we proceed to the exciting part (it is exciting, I promise!), let’s review the basics of Pag-IBIG MP2 since understanding the rules
is essential before we can use our hacks.

PAG-IBIG MP2 BASICS

Pag-IBIG MP2 is a voluntary savings program that allows Pag-IBIG members to contribute and get their money back in 5 years with
dividends higher than the regular Pag-IBIG program. This means you can keep your money in a safe investment vehicle within a
reasonably long period with earnings higher than regular bank savings accounts and time deposits.

The information in this section is based on the Pag-IBIG MP2 o icial FAQ published here
(https://www.pagibigfund.gov.ph/faqpdf/MP2_FAQ_April15.pdf).

Who are the people qualified to join the program?

Active Pag-IBIG Fund Members (both in the Philippines and Overseas Filipinos)
Former Pag-IBIG members with a source of monthly income and/or Pensioners regardless of age with at least an equivalent of 24
monthly savings (I assume with Pag-IBIG)

Before you can apply to be a Pag-IBIG MP2 member, you need to be or have been, a Pag-IBIG 1 member in good standing first. Pag-IBIG 1 is
the government program that allows you to save for retirement through a small monthly contribution and of course, allows you to take
out housing loans if you ever need them. If you’re employed in the Philippines, you’re automatically a PAG-IBIG member.

If you’re abroad, you would need to apply to be a member first and make Pag-IBIG 1 contributions. Only then you can apply for Pag-IBIG
2. 

If you are based abroad, you can apply for your Pag-IBIG 2 membership with your Pag-IBIG Fund Services Member Services Desk. There
are approximately 22 representatives in Asia-Pacific, Europe, North America, and the Middle East.

Pag-IBIG MP2 Annual Dividends

Year Dividend Rate Inflation Rate

2010-2015 5.26% 0.7% (2015)

2016 7.43% 1.3%

2017 8.11% 2.9%

2018 7.41% 5.1%

To find out how lucrative Pag-IBIG MP2 is for some people, look at the table above. You can see MP2’s dividend rate since its inception
compared with the inflation rate of the same year. As you can see, the dividends outstripped inflation.


https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 2/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Of course, we should keep in mind that past performance does not guarantee future gains. But we can still use the historical data for our
projections. So far, the average dividend rate based on the available data in the past years is 7.053%.

When you compare this rate to the rate of other safe investments like bank savings accounts, time deposits, and retail treasury bonds, you
can see that the Pag-IBIG MP2 rate is superior.

Personally, I think Pag-IBIG MP2 is a great way to save for our mid-term goals like:

Save up for your kid’s college funds

Use the money to start a business
Down payment for a house or condominium unit for your primary residence or for rent
Dream wedding
Take your family on vacation

If you’re an OFW, you should take advantage of Pag-IBIG MP2’s safety and relatively high growth. To learn more about other Philippine
government programs that you can benefit from, you can read this post about the 6 Ways to maximize Philippine Government Benefits as
a Pinoy Expat (https://katiescarlettneedsmoney.com/6-ways-to-maximize-government-benefits-as-a-pinoy-expat/).

FACTORS THAT MAKE OUR HACKS WORK

Now with the basic information out of the way, we will look into the factors that we can exploit to our advantage:

No investing amount limit

The minimum contribution for MP2 is at least P500 per remittance. You can also opt to invest monthly, in non-monthly but regular
intervals, or one-time remittance, as long as each remittance is at least Php 500. But, and this is crucial: there is no limit on how much
you can save. Remember that because this is important for our hack. The only thing you have to think about is that if you’re going to remit
more than Php 500,000, you have to do so with a personal or manager’s cheque.

Tax-free
The dividends you will earn will not be taxed, so more money in your pocket. We should always take advantage of tax-free investing.

No limit on the number of Pag-IBIG MP2 accounts you can open

A lot of people are not aware that there is no limit on the number of Pag-IBIG MP2 accounts you can open. While you can only have 1
Pag-IBIG 1 account, you can open an unlimited number of Pag-IBIG MP2 accounts, with their separate account numbers for identification.

Dividends distribution options

You have the option to receive your dividends annually through a bank deposit or at the end of the 5-year period.

If you opt to receive the dividends annually, you will receive the total principal amount you invested a er 5 years. If you leave the
dividends in your account, it will be reinvested into Pag-IBIG MP2 and will be taking advantage of compound interest.

Guaranteed safe
The Philippine government guarantees your MP2 investments. Unlike with your bank accounts that are only covered by PDIC insurance of
up to Php500,000, the Philippine government guarantees your investment in Pag-IBIG MP2, whatever the amount.

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 3/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

3 PAG-IBIG MP2 HACKS – EXPLANATION AND METHOD

Having laid down the foundation of our hacks, we will go to the actual hacks itself. The good news is, these are relatively simple to
understand and totally legal. And we are not going to use some arcane information; these Pag-IBIG MP2 hacks are just creative application
of the rules.

1. MP2 Rollover
Do not limit your Pag-IBIG MP2 investment to 5 years. If you have no planned use for the money, you can:

Withdraw your total investments plus dividends from Pag-IBIG

Open a new MP2 account
Rollover the entire amount, principal plus dividends, to the new MP2 account
Wait for 5 years
Profit!

Repeat process for another 5 years (and another, and another… depending on your investing horizon)
https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 4/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Although it’s not so much a rollover than a rollover with a slight bump in the middle, doing so will allow you to ride the MP2 gravy train for
decades.

This method is good for people who will not touch their Pag-IBIG MP2 investments in the next 5-10 years or those with a long-term
investing horizon. For example, if you are not sold on the Personal Equity and Retirement Account (PERA) scheme due to the relatively
higher risk, you can put your money here instead.

(To learn more about PERA, read the post What is PERA and Why You Need One Right Now (https://katiescarlettneedsmoney.com/what-is-
pera-and-why-you-need-one-right-now/)).

2. Dividend Harvesting
This strategy works exactly like its name. You invest your money, wait for the annual dividend distribution, and then instead of reinvesting
the dividends to MP2, “harvest” it instead.

Dividend harvesting is perfect if you need to have a source of income annually but you also want to preserve the value of your principal.
But for this to work, you need to invest bigger sums of money. But if you have at least a million pesos. If you invest at least Php5 million,
you can virtually retire.

Let’s take a look at this calculation made by Pag-IBIG based on a one-time contribution of Php 1 million:

The dividend calculations are based on the 2-year average (2017-2018), which is 7.5%

As you can see on the first table, a one-time contribution of Php 1 million will give you Php 75,000 annually in dividends. Keep your money
in MP2 for 5 years and you will harvest Php 75,000 x 5. At the end of the 5 years, you can get back your original investment of Php 1 million.
You will harvest a total of Php 375,000 in 5 years.

Once again, I want to reiterate that this is not a guarantee. Past performance does not guarantee future returns. Future gains may be lower
or higher depending on the MP2 fund’s performance.

Of course, when you reinvest the dividends with MP2, it will compound. It will leave you with a higher amount a er 5 years compared to
when you harvest the money every year. So you should assess whether or not dividend harvesting will be good for you and applies to your
particular situation and needs.

People who would opt to dividend harvesting are those who need regular income and want to keep the value of their money. For example:

Retirees who have accumulated large amounts and need regular income but are not comfortable with taking risks with their
principal.
People who achieved FIRE (financial independence, retire early) who want to receive regular income while they’re traveling the

world and/or too busy enjoying life.
https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 5/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Those who receive or accumulated large amounts (inheritance, lottery winnings, exiting a business) who are not sure yet where to
put their money, don’t want to touch it for at least 5 years, but also want to have spending money at the same time.

The amazing thing with this method is even though you will receive money from Pag-IBIG MP2 annually, you will not be taxed at income
tax rates because the proceeds are tax-free.

3. MP2 Ladder
This hack is perfect if you need to prepare for expenses due on succeeding years. Here’s how to do it:

Open an MP2 account that will mature in the first year of your expected expense (ex: first-year college tuition);
The following year, open a second MP2 account that will mature on the second year of your expense (second-year college tuition);
On the third year, open a third account that will mature in the third year of your expected expense;
And so on… Visually, it looks like the photo below:

It doesn’t matter if you’re going to contribute once or monthly on all your accounts. As long as you open 1 account for each year the
expense is due AND you fund all the accounts based on how much you need for that particular year.

HAVE FUN MIXING AND MATCHING

Now that you have learned about these Pag-IBIG MP2 hacks, you can now then mix and match them depending on your need. For
example, a er 5 years of dividend harvesting, you can rollover your money into another 5-year MP2 account to continue enjoying 5 more
years of harvesting. Then do it again. And again.

If you’re investing for retirement, you can keep on rolling over your investments every time it ends. And then by the time you reach
retirement age, enjoy the fruits of your labor by harvesting the dividends of your MP2 investments that have already grown from decades
of compounded interest.

FINAL THOUGHTS
These Pag-IBIG MP2 hacks are based on current Pag-IBIG rules and guidelines. If you ever follow any of these hacks, you can rest assured
that you’re not breaking the law; these are all perfectly legal and available to everyone.

These hacks are great ways for you to invest with lower risk AND avoid paying taxes on those investments.

Do you have other Pag-IBIG MP2 hacks that you have thought of? Please share in the comments.


https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 6/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Related Posts:

How to Build a
Strong Financial How to Break Your Savings Tips That
Foundation as an Financial Vicious Will Change Your Life
OFW Cycle Part 2 Part 1

Save

Enjoyed this article? Tell people!

 Print (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/#print)  Facebook (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/?share=facebook&nb=1)

 LinkedIn (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/?share=linkedin&nb=1)

 Reddit (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/?share=reddit&nb=1)  Twitter (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/?share=twitter&nb=1)

 Pinterest 1 (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/?share=pinterest&nb=1)

 WhatsApp (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/?share=jetpack-whatsapp&nb=1)

Like this:

Like
Be the first to like this.

⟵ The Beautiful Ruins of Konye-Urgench Crossing the Turkmenistan-Uzbekistan Border

(https://katiescarlettneedsmoney.com/the-beautiful-ruins-of- (https://katiescarlettneedsmoney.com/crossing-the-
konye-urgench/) turkmenistan-uzbekistan-border/) ⟶

7 thoughts on “3 Pag-IBIG MP2 Hacks For Advance Investors”

rom capucao says:

OCTOBER 2, 2019 AT 3:22 PM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1459)

Thanks Katie for sharing this information…i already started investing in MP2…planning for an early retirement and hopefully
be financially independent before my retiring age….Mabuhay!

REPLY

KatieScarlett (https://katiescarlettneedsmoney.com) says:

OCTOBER 4, 2019 AT 9:49 AM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1464)

Hi Rom,

You’re welcome and good job on investing! MP2 is a great way to achieve financial independence and early retirement
especially if you already accumulated a big sum of money.

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 7/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Learn how to invest

Earnest makes learning about investing easy. With bite-
sized content and simple explainers

earnest.ph OPEN

REPLY

Viki says:
OCTOBER 14, 2019 AT 8:35 PM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1560)

This is wonderful. You gave me some wonderful ideas! Thank you for sharing

REPLY

KatieScarlett (https://katiescarlettneedsmoney.com) says:

OCTOBER 18, 2019 AT 11:34 PM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1578)

Hi Viki,

You’re welcome and thanks for reading my blog.

REPLY

George@20somethinglawyer (https://forever20somethinglawyer.wordpress.com/) says:

OCTOBER 28, 2019 AT 4:19 PM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1642)

Hi Katie, I opened my MP2 account a few months ago just to experiment. Heard about it from FrugalHoney. I opted for an
annual dividend payout. Had I opted for compounding payout, does that mean I receive everything (dividend+principal) only at
the end of the 5-year period?
Not sure if I understood the mp2 rules correctly.

Also, never knew one could open multiple mp2 accounts! I will definitely try to experiment with your laddering method! Did
you try out all the hacks you wrote about above? Would love to hear personal experience too as sometimes the written pagibig
rules diverge from actual practice. =)

Appreciate the e orts you put in your posts, by the way. Hope you keep writing!

George

REPLY

KatieScarlett (https://katiescarlettneedsmoney.com) says:

OCTOBER 30, 2019 AT 6:47 PM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1667)

Hi George!


https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 8/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

If you opt for compounding, you will get everything, principal and dividends, at the end of the 5 years.

I haven’t tried doing these yet but I formulated the methods a er speaking to a Pag-IBIG country representative. Some
friends have started the ladder method though. I will interview them eventually. 😀

Thanks for reading my blog, George!

Katie Scarlett

REPLY

Khristine says:
NOVEMBER 1, 2019 AT 1:23 AM (HTTPS://KATIESCARLETTNEEDSMONEY.COM/3-PAG-IBIG-MP2-HACKS/#COMMENT-1679)

Hello Katie. Your hack helped me alot. I have a question. For example, I had my 1st MP2 contribution/savings on March 2015
(eventually it will mature on March 2020). I didn’t had contribution/saving for 2016-2019. I decided to put big amount of money
on January 2020. Two month before maturity. Is that possible? How the computation will be?

REPLY

Leave a Reply

Your email address will not be published. Required fields are marked *

Comment

Name *

Email *

Website

Notify me of follow-up comments by email.

Notify me of new posts by email.

POST COMMENT

HELLO!

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 9/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Hello!

I’m Katie Scarlett. Welcome to my page. Here is where I share my ideas, personal experiences, and random rants about money and finance.

I like writing well-researched, long-ass articles. I hope you enjoy reading them.

Watch out for new posts every second and fourth Friday of the month.

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 10/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

(https://www.campfirefinance.com/the-fire-movement/)

Subscribe to Katie Scarlett Needs Money

Subscribe to get my latest content by email.

Your email address

SUBSCRIBE

We won't send you spam. Unsubscribe at any time.

Powered By ConvertKit (https://convertkit.com?

utm_source=dynamic&utm_medium=referral&utm_campaign=poweredby&utm_content=form)

SEARCH BY CATEGORY

Select Category

LET’S MAKE THIS FACEBOOK OFFICIAL!

Katie Scarlett Ne…

Like Page

Be the first of your friends to like this

READ MY LATEST POSTS

Why I Want to FIRE – A Personal Tale of Early Woes and Awesome Wins (https://katiescarlettneedsmoney.com/why-i-want-to-fire-a-personal-
tale-of-early-woes-and-awesome-wins/)

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 11/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Analysis of Common Investment Options for OFWs (https://katiescarlettneedsmoney.com/analysis-of-common-investment-options-for-

ofws/)

Crossing the Turkmenistan-Uzbekistan Border (https://katiescarlettneedsmoney.com/crossing-the-turkmenistan-uzbekistan-border/)

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 12/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

3 Pag-IBIG MP2 Hacks For Advance Investors (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/)

The Beautiful Ruins of Konye-Urgench (https://katiescarlettneedsmoney.com/the-beautiful-ruins-of-konye-urgench/)

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 13/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

CHECK OUT MY MOST POPULAR POSTS

(https://katiescarlettneedsmoney.com/the-ultimate-guide-to-philippine-index-funds/) The Ultimate Guide to Philippine Index Funds

(https://katiescarlettneedsmoney.com/the-ultimate-guide-to-philippine-index-funds/)
52 comments

(https://katiescarlettneedsmoney.com/td-ameritrade-nra/) How
to Open a TD Ameritrade Account Outside of the US as a Non
Resident Alien (https://katiescarlettneedsmoney.com/td-
ameritrade-nra/)
49 comments

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 14/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

(https://katiescarlettneedsmoney.com/what-is-pera-and-why-
you-need-one-right-now/) What is PERA and why you need one
right now (https://katiescarlettneedsmoney.com/what-is-pera-
and-why-you-need-one-right-now/)
48 comments

(https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/) 3
Pag-IBIG MP2 Hacks For Advance Investors
(https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/)
7 comments

(https://katiescarlettneedsmoney.com/pacific-cross-travel-insurance-review/) Pacific Cross Travel Insurance Review

(https://katiescarlettneedsmoney.com/pacific-cross-travel-insurance-review/)
1 comment

JOIN US IN THE COMMENTS SECTION

thesleepysir (http://thesleepysir.wordpress.com) on Why I Want to FIRE – A Personal Tale of Early Woes and Awesome Wins
(https://katiescarlettneedsmoney.com/why-i-want-to-fire-a-personal-tale-of-early-woes-and-awesome-wins/#comment-1696)

Khristine on 3 Pag-IBIG MP2 Hacks For Advance Investors (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/#comment-1679)

KatieScarlett (https://katiescarlettneedsmoney.com) on How to Open a TD Ameritrade Account Outside of the US as a Non Resident Alien
(https://katiescarlettneedsmoney.com/td-ameritrade-nra/#comment-1676)


https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 15/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

KatieScarlett (https://katiescarlettneedsmoney.com) on How to Open a TD Ameritrade Account Outside of the US as a Non Resident Alien
(https://katiescarlettneedsmoney.com/td-ameritrade-nra/#comment-1675)

Anthony Wolseley Wilmsen (http://www.thechildrensaidfoundation.com) on How to Open a TD Ameritrade Account Outside of the US as a
Non Resident Alien (https://katiescarlettneedsmoney.com/td-ameritrade-nra/#comment-1673)

LET’S TALK ON TWITTER!

Katie Scarlett Needs Money Follow

Financial blogger in the Philippines. Expat. Feminist

(https://twitter.com/MeKatieScarlett)

Katie Scarlett Needs Money (https://twitter.com/MeKatieScarlett) 2 Nov (https://twitter.com/MeKatieScarlett/status/1190469307647455233)

Learning a lot from this awesome book from @AsktheTaxWhiz (https://twitter.com/AsktheTaxWhiz)

(https://twitter.com/MeKatieScarlett/status/1190469307647455233)
(https://twitter.com/intent/tweet?in_reply_to=1190469307647455233&related=MeKatieScarlett)
(https://twitter.com/intent/retweet?tweet_id=1190469307647455233&related=MeKatieScarlett)
(https://twitter.com/intent/like?tweet_id=1190469307647455233&related=MeKatieScarlett)
Twitter (https://twitter.com/MeKatieScarlett/status/1190469307647455233)

Katie Scarlett Needs Money (https://twitter.com/MeKatieScarlett) 2 Nov (https://twitter.com/MeKatieScarlett/status/1190424945471320064)

Thank you so much for including me!

Camp FIRE Finance 🔥 @CampFIREfinance

GET THE LATEST UPDATES THRU FACEBOOK!

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 16/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

Katie Scarlett Needs …

469 likes

Like Page Send Message

Be the first of your friends to like this

Subscribe to Katie Scarlett Needs Money

Subscribe to get my latest content by email.

Your email address

SUBSCRIBE

We won't send you spam. Unsubscribe at any time.

Powered By ConvertKit (https://convertkit.com?

utm_source=dynamic&utm_medium=referral&utm_campaign=poweredby&utm_content=form)

LOOKING FOR SOMETHING?

Search …

MY MOST POPULAR POSTS

(https://katiescarlettneedsmoney.com/the-ultimate-guide-to-philippine-index-funds/) The Ultimate Guide to Philippine Index Funds

(https://katiescarlettneedsmoney.com/the-ultimate-guide-to-philippine-index-funds/)
52 comments

Ultimate
Guide to
Philippine
Index
Funds


https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 17/18
11/4/2019 3 Pag-IBIG MP2 Hacks For Advance Investors - Katie Scarlett Needs Money

(https://katiescarlettneedsmoney.com/td-ameritrade-nra/) How to Open a TD Ameritrade Account Outside of the US as a Non

Open
Resident Alien (https://katiescarlettneedsmoney.com/td-ameritrade-nra/)
TD 49 comments
Ameritrade
Account
Outside
of the
USA

What is (https://katiescarlettneedsmoney.com/what-is-pera-and-why-you-need-one-right-now/) What is PERA and why you need one

PERA and right now (https://katiescarlettneedsmoney.com/what-is-pera-and-why-you-need-one-right-now/)
why you 48 comments

need one
right now

3 MP2 (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/) 3 Pag-IBIG MP2 Hacks For Advance Investors

PAG-IBIG (https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/)
HACKS 7 comments

FOR
ADVANCE
INVESTORS

Pacific (https://katiescarlettneedsmoney.com/pacific-cross-travel-insurance-review/) Pacific Cross Travel Insurance Review

Cross (https://katiescarlettneedsmoney.com/pacific-cross-travel-insurance-review/)
Travel 1 comment

Insurance
Review

Proudly powered by WordPress (https://wordpress.org/) | Theme: Sydney (https://athemes.com/theme/sydney) by aThemes.

https://katiescarlettneedsmoney.com/3-pag-ibig-mp2-hacks/ 18/18