Kung 5 years ka na lang bago mag-retire — halimbawa 55 years old ka ngayon — at meron ka nang ₱20M retirement fund, puwede bang gamitin ang MP2 para magkaroon ka ng regular retirement income pagdating ng age 60? Puwede. Pero dapat tama ang strategy at tama rin ang expectation. One possible strategy is to create an MP2 ladder. Sa ngayon, ang maximum MP2 savings allowed is ₱20M per person, so kung ₱20M ang retirement fund mo, sakto ito sa current limit. Sa halip na ilagay mo ag

Not every position wins right away—that’s normal. I’m still red on ADBE, CTAS, and MSI. Even so, my overall CAGR sits at 29% over 3.61 years. Backstory on Wesfarmers (WES): when I bought in March/May 2023, the price moved sideways for ~7 months. Fast-forward to today and WES is now my #2 performer (after I took profits in META and FAST mid-year), delivering +90.37% total return (inc. dividends) or ~32.27% CAGR. Takeaway: Patience + a sound strategy > chasing quick wins. Stay