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Poor Pinoy Investor – A Practical Money Guide for Filipinos

From Budgeting to Investing, Explained in Simple Terms

Poor Pinoy Investor – A Practical Money Guide for Filipinos

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  • Pag-IBIG
    • Pag-IBIG MP2
      • How to pay Pag-IBIG MP2 contribution using GoTyme
      • How to Pay Pag-IBIG MP2 Using Maya (2025 Guide)
      • How to Claim Pag-IBIG MP2 Upon Maturity: A Simple Guide
      • How to Pay Pag-IBIG MP2 Using GCash (2026 Updated + Troubleshooting Tips)
      • How to Check Your Pag-IBIG MP2 Information via the eGovPH App
      • How to Pay Pag-IBIG MP2 Using a Credit Card via Bayad.com
      • How to pay Pag-IBIG MP2 contribution through BPI
      • How to Create a Pag-IBIG MP2 Account Online (Step-by-Step Guide)
      • Pag-IBIG MP2 FAQs: Investment Limits, Dividends, Withdrawals (2026 Guide)
      • Online Ways to Pay Your Modified Pag-IBIG 2 (MP2) Savings Program Contributions (Complete Guide)
      • Early Withdrawal from Pag-IBIG MP2: When and How to Do It
      • How to Pay Pag-IBIG MP2 Using Maribank: Complete Step-by-Step Guide
    • Other Pag-IBIG
      • Pag-IBIG Virtual Account Locked? Here’s How to Recover It
      • How to Check Your Pag‑IBIG Contributions Online (2026 Update)
      • Pag-IBIG Record Consolidation & Merging: Complete 2026 Guide
      • How to Update Beneficiaries in Pag-IBIG
      • How to Check Your Pag-IBIG Loan Status Online
      • How to Pay Down Your Pag-IBIG Housing Loan Faster (The Right Way to Pay to Principal)
  • SSS
    • SSS Consolidation and Restructuring: How to Fix Unpaid Loans
    • How to File an SSS Salary Loan in 2025: Step-by-Step Guide for Employed, Voluntary, and OFW Members
    • How to Pay SSS WISP Plus contribution via GCash
    • How to pay WISP Plus contributions via the SSS Portal
    • How to Pay SSS WISP Plus contribution via GrabPay
    • How to pay SSS WISP Plus contribution using a credit card
    • How to Pay Your SSS Pension Booster (WISP Plus) Contributions via GCash
    • How to Check Your SSS Contributions Online (Step-by-Step Guide)
  • Tutorials
    • Stocks, Mutual Funds, Bonds
      • How to Open a PERA by ATRAM Account in the Philippines
      • What is UITF in the Philippines? A Beginner’s Guide
      • How to Start Investing in the Stock Market (Beginner-Friendly Guide)
      • Mutual Funds in the Philippines: A Beginner’s Guide
      • ATRAM Global Technology Feeder Fund: A Guide for Filipino Investors
      • ATRAM Global Consumer Trends Feeder Fund: A Beginner’s Guide
      • How to Invest in Real Estate Investment Trusts (REITs) in the Philippines
      • Dividend Investing: How to Earn Passive Income from Stocks
      • How to Open a COL Financial Account (Step-by-Step for Beginners)
      • What Are ETFs? A Beginner’s Guide to Exchange-Traded Funds
      • AREIT (Ayala Land REIT): A Beginner’s Guide for Filipino Investors
      • Your Introductory Guide to ALFM Global Multi-Asset Income Fund on GInvest
      • How to Invest in ALFM Global Multi-Asset Income Fund via GCash
      • How to Buy Retail Treasury Bonds (RTBs) Using BPI (Online, App, and Branch Guide)
    • Digital Banks, eWallets, Cryptocurrency
      • Cash into GCash for free
      • How to Cash In to GCash for Free Using the BPI Vybe App
      • GoCrypto by GoTyme: A Beginner’s Guide to Buying and Selling Crypto in the Philippines
      • How to apply for BPI’s Credit-to-Cash facility
      • How to Open a GCash International Wallet (Without a Philippine SIM)
      • How to redeem Go Rewards in GoTyme
    • Others
      • How to Open a Cooperative Savings Account in the Philippines
      • How to Build a Diversified Investment Portfolio (Even as a Beginner)
      • How to Compute Your 13th Month Pay in the Philippines
      • How to Download, Install, and Register on the eGovPH App
      • eGovPH App: Your Guide to Accessing Philippine Government Services Online
      • How to Create a Bayad.com Account: Step-by-Step Guide
      • Beginner’s Guide to Real Estate Investing in the Philippines
      • How to Earn Cashback with ShopBack Philippines (2026 Updated Guide)
      • How to Check Your Home Development Mutual Fund (Philippines) Dividends Online (Step-by-Step Guide)
  • Online Calculators
    • Pag-IBIG MP2 Calculator
    • SSS Pension Calculator: Estimate Your Monthly Pension and Pension Booster
    • Retail Treasury Bond Calculator (Philippines): Compute Your RTB Earnings Easily
  • Online Forms
    • Pag‑IBIG Forms You Need (2025 Guide): Commonly Used Documents and Where to Download Them
    • SSS Forms Download Guide (Updated 2025)

Category Archives: Posts

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GCash

GStocks PH is now available on GCash – How to join?

Posted on April 22, 2023 by Kuya Well
Reply

The GStocks PH feature of GInvest in GCash has started to roll out to users. It’s not available for all but you can check your GCash app and see if it’s available for you. Don’t get giddy just yet since … Continue reading →

Posted in Featured, Posts, Stocks, Mutual Funds, Bonds, Tutorials | Tagged GCash, gstocks ph, Philippine Stock Market, PSEi, stock trading | Leave a reply
CIMB

CIMB Bank’s latest Promo Interest Rates (April)

Posted on April 17, 2023 by Kuya Well
Reply

CIMB Bank promo interest rates usually change on a monthly basis and at times most account holders are unable to keep up. The confusing promo interest is one reason why some people tend to shy away from CIMB Bank. Although … Continue reading →

Posted in Digital Banks, eWallets, Cryptocurrency, Posts | Tagged CIMB, CIMB Interest Rates, high interest, high-yield savings | Leave a reply
GoTyme Bank

GoTyme Bank now offers 5% interest

Posted on April 15, 2023 by Kuya Well
Reply

Note: this is no longer applicable. The latest update on the interest rate offered by GoTyme can be found here. On March 31, 2023, GoTyme Bank decided to go toe to toe with the likes of Maya, CIMB, and Seabank … Continue reading →

Posted in Digital Banks, eWallets, Cryptocurrency, Posts | Tagged gotyme bank, updated interest rate | Leave a reply
VUL

Why You Should Think Twice in Getting a VUL Policy

Posted on April 14, 2023 by Kuya Well
Reply

Variable Universal Life insurance (VUL) is a life insurance plus investment program rolled into one. That’s the easiest explanation that I can provide. If it’s still unclear to you, this insurance policy is offered the most by “financial agents” from … Continue reading →

Posted in Featured, Posts | Tagged Insurance, Pag-IBIG MP2, Pru Life, Sun Life, VUL | Leave a reply
SSS WISP Plus

Everything You Need to Know About SSS: FAQs Answered

Posted on April 11, 2023 by Kuya Well
1

I compiled several frequently asked questions (FAQs) that I’ve read on social media about SSS. Hopefully, this helps you out and if you have other questions, feel free to comment down below. How do I check my SSS contributions online? … Continue reading →

Posted in Posts, SSS | Tagged contribution, Retirement, sss, sss contributions | 1 Reply
Mutual Funds for Beginners

Mutual Funds for Beginners: A Simple Way to Start Investing

Posted on April 3, 2023 by Kuya Well
Reply

Let’s admit it, for beginners, investing in stocks can be a bit overwhelming and intimidating. Hence, people tend to shy away from stocks. One of the most popular investment options for beginners is mutual funds. So for today’s post, we’ll … Continue reading →

Posted in Posts | Tagged ALFM, mutual funds | Leave a reply
Investing in REITs

Investing in REITs: How to Profit from Real Estate Without Owning Property

Posted on March 31, 2023 by Kuya Well
Reply

Do you want to get into real estate but don’t have the capital, then investing in REITs might be your answer. Real Estate Investment Trusts (REITs) are an increasingly popular way for investors to gain exposure to the real estate … Continue reading →

Posted in Posts, Stocks, Mutual Funds, Bonds, Tutorials | Tagged investing in reits, real estate, reit | Leave a reply
Pag-IBIG Fund

2022 Pag-IBIG Dividend Rates for Regular Savings and MP2

Posted on March 28, 2023 by Kuya Well
Reply

The Pag-IBIG Fund just released the dividend rate for 2022 a few hours earlier today. They touted it as the highest dividend rate since the Covid-19 Pandemic. What are the dividend rates for Regular Savings and MP2? The dividend rate … Continue reading →

Posted in Pag-IBIG MP2, Posts | Tagged 2022 Pag-IBIG dividend rate, dividends, MP2 dividend rate, Pag-IBIG dividend rates | Leave a reply
life insurance an expense

Life Insurance: An Expense, Not an Investment

Posted on March 27, 2023 by Kuya Well
Reply

Most people often mistake Life Insurance for an investment but in reality, it’s actually an expense. The person who buys it (for himself) doesn’t actually benefit from it, hence why it’s an expense for that person rather than an investment. … Continue reading →

Posted in Posts | Tagged life insurance | Leave a reply
beginner's guide to ETFs

Investing Made Easy: A Beginner’s Guide to ETFs

Posted on March 24, 2023 by Kuya Well
Reply

You’ve probably heard about ETFs or Exchange-Traded Funds a few times, not only on this blog but on other sites as well. So for today’s post, let’s delve into the discussion about ETFs. What is an Exchange-Traded Fund or ETF? … Continue reading →

Posted in Posts, Stocks, Mutual Funds, Bonds | Tagged beginner's guide to ETFs, ETF, qqq, voo | Leave a reply

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