Investment
Growing your money in the Philippines doesn't have to be complicated. WisePH covers every legal investment available to Filipinos: MP2, PERA, stocks, mutual funds, UITF, real estate, and cooperatives. Whether you're starting with 1,000 pesos or managing OFW remittances, you'll find clear, honest guides here.
How to pay Pag-IBIG contributions if you are an OFW or working abroad
TL;DR: OFWs can register, pay, and manage Pag-IBIG contributions 100% online with no trip home required. Register through the Virtual...
Read moreDetails
SSS for self-employed and voluntary members: the complete guide
TL;DR: If you earn any income from a business or profession, SSS for self-employed registration is your category. If you...
Read moreDetails
SSS unemployment benefit: who qualifies, how much you get, and how to file online
TL;DR: The SSS unemployment benefit is a one-time lump sum. It equals 50% of your Average Monthly Salary Credit for...
Read moreDetails
Pag-IBIG MPL vs calamity loan: which one should you take?
TL;DR: When comparing Pag-IBIG MPL vs calamity loan, the calamity loan wins on interest rate (5.95% vs 10.5%–12.5%) but comes...
Read moreDetails
How to apply for SSS retirement pension online: requirements, documents, and what most guides get wrong
TL;DR: You can apply for SSS retirement pension online through My.SSS once you are at least 60 years old and...
Read moreDetails
Pag-IBIG contribution rate 2026: employees, self-employed, freelancers, and OFWs
TL;DR: The Pag-IBIG contribution rate is 2% of your Monthly Salary Credit for both the employee and employer share, capped...
Read moreDetails
How to use PhilHealth and HMO together (without getting a surprise bill)
TL;DR: PhilHealth and HMO work together as a coordinated safety net, not a double payout. PhilHealth pays first as the...
Read moreDetails
How to pay SSS contributions online: PRN guide for OFWs and voluntary members
TL;DR: Generate your PRN in My.SSS first, then pay via GCash, Maya, or card. The current rate for OFWs is...
Read moreDetails
How to get your Pag-IBIG MID number (and what OFWs must do with it right away)
TL;DR: Your Pag-IBIG MID number is the 12-digit ID that unlocks housing loans, MP2 savings, and emergency loans, and DMW...
Read moreDetails
Are PhilHealth contributions tax deductible for self-employed Filipinos?
TL;DR: PhilHealth contributions are not automatically tax deductible for self-employed Filipinos. Employees get a built-in exclusion from gross income; self-employed...
Read moreDetails
