How to Invest in Pag-IBIG MP2 for Students, OFWs, and Beginners 2021 | Why Invest in MP2 | START NOW

We're talking about how to invest in Pag-IBIG MP2 for students, OFWs, and beginners in 2020! It's one of the easiest, safest, yet underrated forms of investments that everyone should know about.
In this video, we'll be talking about what regular Pag-IBIG savings program is, what the Pag-IBIG Modified Savings Program (MP2), why you should consider investing in MP2, whether you should invest in mp2 now, and how you can start investing in pag-ibig MP2, as well as my experience in applying for a pag-ibig membership as well as opening my first MP2 account.
To start investing in Pag-IBIG MP2 in 2021, you'll first need to be an active regular pag-IBIG member who has made at least one contribution in the last 6 months. All employed Filipinos are required to become Pag-IBIG members. For those who are students, OFWs, fresh graduates, unemployed, or self-employed, it's easy to register as a voluntary Pag-IBIG member by applying at one of their physical branches or even online! Opening an MP2 account is also a fast and easy process that you can do online.
Of course, Pag-IBIG MP2 is not the perfect investment for everyone. Like I always say in my videos, it's important to first assess your own financial goals before making any financial decisions.
📌RESOURCES
➜ Pag-IBIG Online Registration Guide: filipiknow.net/pag-ibig-onlin...
➜ How to Invest in Pag-IBIG MP2 Program: filipiknow.net/pag-ibig-mp2/
📌NOTE: With regards to the interest computation, the formula I shared in the video IS NOT ACCURATE!
The actual way interest is computed for Pag-IBIG MP2 is a bit more complicated, so I wasn't able to explain it in the video. I don't think Pag-IBIG reveals how they calculate their dividends, but you can find an example computation in the FAQ section of their website!
➜ I'll probably make a follow-up video for the computations, but for now, here's the link to the Pag-IBIG MP2 Page: www.pagibigfund.gov.ph/Member...
➜ Enjoy your free money 💰⬇️
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✅WHAT TO WATCH NEXT
➜ 🤑 Best High Interest Savings Account Philippines: • 🤑 Best High Interest S...
➜ How I Manage My Finances in My 20's: • How I Manage My Financ...
➜ 📈 What I Invest in as a 20-year-old College Student: • 📈 What I Invest in as ...
➜ What to do with (your future) ₱100,000: • What to do with (your ...
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🚀Subcount: 3,167
🕰TIMESTAMPS:
00:00 Introduction + Overview
02:28 What is Pag-IBIG? + Pag-IBIG Regular Savings Program
04:13 What is Pag-IBIG Modified Savings Program (MP2)?
05:10 Why invest in Pag-IBIG MP2?
07:03 Should I invest in Pag-IBIG MP2 now?
09:18 How to invest in Pag-IBIG MP2?
Send this video to your homies so you guys can benefit from managing your finances together! SUBSCRIBE for more videos like this! I post one video a week and I talk about personal finance, self-development, or anything I learn or experience throughout my life as a 20-year-old.
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How to Invest in Pag-IBIG MP2 for Students, OFWs, and Beginners 2020 | Why Invest in MP2 | START NOW
Is mp2 Safe / making money from mp2 / how to start investing for students / open mp2 online / passive income mp2 / personal finance philippines / pag ibig regular savings account

[@NicoleAlbaYT]

📌NOTE: With regards to the interest computation, the formula I shared in the video IS NOT ACCURATE! The actual way interest is computed for Pag-IBIG MP2 is a bit more complicated, so I wasn't able to explain it in the video. I don't think Pag-IBIG reveals how they calculate their dividends, but you can find an example computation in the FAQ section of their website! I'll probably make a follow-up video for the computations, but for now, here's the link to the Pag-IBIG MP2 Page: www.pagibigfund.gov.ph/Membership_ModifiedPagIBIG2.html

[@financiallyblondeph6787]

Dividend computation for your earnings works like how bank computes your interest income. It’s based on ADB (average daily balance) x dividend rate for the year. Simple example if you made one time lumpsum of 10K on Jan 1, at 7% dividend rate, you’ll get dividend income of P700 for that year. Versus if you save P1,000 monthly or P12k for the year, you’ll get about P456 at 7% rate. Bigger interest for one time lumpsum vs gradual monthly. But saving is saving, the more you put in, the more the dividends. :)

[@leibnizr7391]

for compounded savings option, it's just the compound interest formula

[@NicoleAlbaYT]

Thanks for clearing this up! I haven't received any interest since I just opened an account, so I wasn't sure how the calculations worked 😅 And yep definitely agree. Saving is saving 😁

[@arch.amielpatrickpunzalan2787]

@@NicoleAlbaYT Interest p.a. are announced at the end of the year depending on the performance of Pag-Ibig. And from there, so do your dividends will reflect.

[@MabuhayKabayan]

@@financiallyblondeph6787 great tip! better to do lump sum, if possible. thanks!

[@anferneejinang3822]

This generation is so empowered! Rooting for everyone of us!!

[@azer.2454]

amen

[@michelle00027]

This made me smile.

[@bangsmatter4394]

Who told you?

[@senorswordfish6019]

*_Manifesting_*

[@hellorangerkeith]

Still keep me thinking that our generations culture is diversified. But i guess it is also somewhat needed to balance out our society. I dunno, what do you think though?

[@philsumabat8299]

As I grew older, I noticed na instead of using yt as entertainment, i now use it for things like this. Is this adulthood?

[@carlospalanca8838]

Indeed

[@rainscalleia5182]

Same thoughts

[@vickyj4ng]

exactly

[@taetaeislifeu895]

same omg

[@artdesignbycw5227]

Adulting 101

[@abegaillacson2573]

I'm a physician learning from a 20-year old :D Thank you for sharing your knowledge.

[@uno23sleep]

More power to us adults learning from everyone regardless of age.😃

[@julieannjunemadrigal5034]

because you learn everyday from people regardless of they're age and profession 😉

[@itchmeharih773]

Indeed age is just a number, I am 17 and I am an aspiring Physician also... I want to save money as much as possible.. Fighting

[@takoyaki1481]

Age is just a number when it comes to sharing your knowledge; even adults could learn a thing or two about something from a 5 yr. old

[@enigmanightmare262]

Hi Doc Abby!!😊

[@hasanbheru3520]

An investment in knowledge pays the best interest."

[@alejandrapatino6320]

How is the forex investment done.

[@chrisjean690]

Yes, forex investment, I heard it's very profitable

[@matheusalcantara1197]

Yes, true but I don't know anything about.

[@michaeltate3236]

Did I hear someone say forex?

[@michaeltate3236]

Do you believe I invested $4,000 and got paid $51,070 in seven days?

[@kimjoshuaolit2419]

Instead of waiting for the dividend rates to increase and do nothing, why not invest while waiting for it to increase. It's safe, it's passive, and it helps the economy

[@NicoleAlbaYT]

Yep that's one way to think about it! The loans help Filipinos afford their homes and get through the situation we're currently at. Thanks for sharing your thoughts ❤

[@JoHn-lg5ji]

Yes and this also helps the corrupts.

[@Winamsndm09477]

@@JoHn-lg5ji What a mindset 🤣

[@kramnedlenorock]

No clickbaits, direct to the point, and PRECISE. SUBBED. ♥️

[@jerbycuaton3528]

I work as a corporate trainer and I can't help but appreciate how you facilitate this talk. Good job and thank you for sharing!

[@thumbellinanica5377]

Seeing someone with the same age bracket and same mindset like this talking about financial things has been a really helpful for us, who is now currently lost and don't know what to do with our lives but the only thing we know is that we want our moeny to work for us, Thank you for your videos, it gave us such a big relief and knowledge about things that we want to take risk.

[@alexgalera5260]

You captured my economic heart..love to see you more..show more smart motivations..Saudi Riyadh fan

[@pchat112]

i feel my money safe while watching you.

[@testmylimits752]

I am now in a stage where I need to take action, my parents now see me as an adult and seeing that I am already an adult and still using their money makes me ashamed, then keeps me pressured to do something.

[@bfrosttd1191]

I'm the exact opposite, I'm the bread winner and it's hard to save for myself 🤣

[@milacitao]

Me too..but try your best.God bless us...keep US ALWAYS safe,

[@matchandrei1627]

Same! I should be earning for myself already. Good Luck to us!

[@cutekisses01]

Samedt

[@andrycanz8693]

@@bfrosttd1191 parents should stop treating their children as investments.

[@AngelicaLumbo]

Oh my gad, this is the channel i need. Have to binge watch ALL your vids tonight ASAP

[@_ishang98]

I'm a little bit older than you. I'm 23 years old and working in BPO. You really inspire me a lot , despite of you still a student. You are very good at explaining things in a very simple way. I watched your videos and I learned a lot. Thanks.

[@ki3lt322]

Well explained now I know what MP2 is! Thanks for the info Ms smart girl

[@mikaelaguinevere6093]

Thank you so much! Now I know where to spend my "pamasko".

[@ms.flores3308]

I'm a pagibig member for a 7years now and I'm glad I was able to watch your content. I'll definitely do the mp2 savings

[@lovefromnzed214]

I'm surprised! you were my student before...way to go Nicole! 🙂👍 congrats on your YT channel and for being a content creator on a topic you like to discuss

[@leoneortega4929]

I love your vlogs. Please help your generation be financially educated. I felt that no one reached out to me about this during my younger years. Love love.

[@gbldndiaries]

i don't know how youtube algorithm suggested your video because i'm not even watching anything about investment, but girl, i'm hooked. ❤

[@annhernandez1589]

I started my MP2 account last year. 1000 is deducted from my monthly salary aside from the 2100 as my regular PagIbig contribution (100 came from the company I'm working). It's a nice investment and a great way to save up money and prepare for your future (or when you retire from work).

[@ginoorcullo2052]

Wow appreciate this video. For someone your age, you are very mature in handling your finances and more than that you inspire older people (like me!) to do the same. Keep it up and continue doing what you do, helps a lot.. thanks!

[@jaymarsevillabaluyot1232]

Omg ngayon lang ako hindi inantok sa ganitong usapan 🤣 nakakaloka ! Haha thank you very helpful 😊

[@markcongayao1756]

Sa kakapanood ko ng mga uploaded vidoes mo sa youtube, mygoodness, nagiging crush na kita HAHAHAAHAHA

[@bunnydeedsparaspace]

since i was 17 subscriber na ako ng channel na to💗💗 very helpful sa adulting ko💗💗💗

[@Icecandy1882]

Really helpful! Been a pag ibig member for 10 plus years and I have never opened a savings account with them. Never taken out a loan with them too. I think it's time to maximise my membership. Through MP2 of course. Thanks for this video!

[@ronnelabitona7945]

Every time I feel driven towards my finance you let me think about you and the contents you've made for us, thnk you and more power. Stay healthy stay pretty.keep Makin substantial contents.🔥💗🧡

[@karlavillalobos3926]

You are definitely older by me. By two years but I think your mindset is something that in my age wanted. Thank you for this. God bless

[@girliepatelo6123]

Hi. I usually get bored with most of the financial videos but with your videos I never get tired nor bored. Nakakatuwa specially the facial expressions.. Encouraging din lalu na sa millennials. That's why I share your videos to my daughter and relative to motivate them.

[@maika9659]

Ang saya naman na nadiscover ko itong channel mo ❤

[@user-wm4qp7mg9g]

my mom and I really like your videos and the way you speak. keep it up! ❤

[@ifellinlovewithtwice6134]

Yung babae ako pero sure na crush ko na ang may ari ng channel na ito 😍💜

[@michellelincallo6196]

Lovin' your videos! Thank you!!! Really helpful for people like me who are struggling to handle their finances. More power!

[@hannanhambali9324]

Bakit ngayon lang kita nakita! haha. You're great in explaining things.

[@kamillelanario7456]

Woah!! I'm a pag-ibig member but doesn't know this🤣 Thanks for this!! Will do an action later❤️❤️

[@porshaemman]

I am older , but you are more mature financially! 😄 it is good that I've found this, thank you, I've learned a lot! Keep posting more of this contents! 🍞

[@thisisntr]

Just so happy to get to watch this video tonight. Thank you for the info!

[@lenabethregahal6848]

Binge watching ur vids && I'm really inspired by u ❤ thank u gurl

[@NicoleAlbaYT]

Haha thanks for binging!! Appreciate your support. Glad you're learning stuff 😄❤🍞

[@xanprimo8511]

Omg .thank you for this ,I've been looking for areas where to invest and you appeared .thanks

[@jmatte6329]

What have I been doing with my life?! I'm 38. I got my first 100k when I reached 30. I never took time learning about investment, savings, & stuffs related to that. All those time wasted. Now, I see the financial light at the end of my blissful journey about just putting it in my bank & not earning anything.. thank you. Nicole.

[@apr_herrera02]

Thanks for creating videos liken this. Kalimitan ng young Filipinos walang mentor.. and by this.. at least magkakaidea sila. Sana meron nang ganito nung younger years ko. Keep it up👌

[@raizaragay3055]

Gosh super thank you for this!! I'm always waiting for your uploads every week :> go gurl 💓

[@NicoleAlbaYT]

NIICEE THANKS FOR TUNING IN EVERY WEEK 😁❤️ More videos to come pa woohoo!! 😉🍞

[@markgil9120]

Yung di ka lang sa pg invest na inspire, pati din sa kanya hehe Anyway, thank you for this. Mag e invest talaga ako nito.

[@princesdoreen]

been researching and this is very interesting!! Thank you Nicole. I’ll let you know how mine goes but will add this on my list of investment to do.

[@bambooposadas5744]

Hi nicole isa akong ofw dito sa saudi... Mula nun mapanood ko ang video mo tungkol sa mp2 pag-ibig program nag bukas na rin ako pananagutan ko... Na-iganyo ako sa ulat mo para meron akong bagay na paglagan ng aking salapi... Isa kang huwaran kabataan na may pagpapahalaga sa salapi para eto ay lumago... Salamat, isa na akong taga subaybay mo ngayon. Ingat ka lagi... Pagpalain ka ng Panginoon...

[@maureenvienanicolemalapita3378]

Thank u for this vlog 🥰 Di ako nag skip ng Ads para sa’yo! More investment vlogs, pleaseeee

[@ajmejoradoful]

Yass gorll

[@leakezia09]

your videos are great. i'm 4 yrs older than you (i think) and a cpa and yet i get my motivation to work on my personal finance from you.

[@NicoleAlbaYT]

NIIICEE!! Super glad that you're able to learn something from my videos ❤️ Lez get dat bread 🍞😁

[@BWVidventures]

@@NicoleAlbaYT what is "who has made at least one contribution in the last 6 months" ??

[@brobruh5810]

This girl is very witty and Intelligent! I am watching most of your vids! I am a 29 years old Nurse learning from a 20 years old.. Good Job! Our country needs you! Thanks for sharingnyour knowldge! Go girl!

[@MorrisDXplorer]

Ang galing naman. Salamat sa info. Ewan ko kung pano ako napadpad dito pero astig ang natotonan ko. Magsimula na din ako mag-invest.

[@sakuraharuno0919]

I've been thinking about opening an MP2 after the pandemic finishes, but knowing now that it can be done online eliminates any reasons why not to open one yet~ you literally answered all the questions I've been asking while researching about MP2~ thank you thank you~

[@NicoleAlbaYT]

Awesome!! Haha glad I was able to help you out with that. Super convenient lang yung online account opening process, so yeah go for it! 😁❤️

[@Seite887]

Ask lang every month ba mag hulog ng 500pesos dito miss nicole

[@nicolepalmos6029]

recommended you to my friends!! lets go investment queen!!

[@NicoleAlbaYT]

NAISU 👌 Super helpful ang pag recommend ng videos 🤩 Thanks for your support 😁❤🍞

[@jhulianemagallanes328]

Never too late to start. Thanks for this! :)

[@Rain-kw1bn]

Omg you definitely deserve subscriptions, i have been a fan of saving since i was... I like the thrill of seeing my money going big it's nice to know this type of things to know where you should put your money on and knowing why

[@Lyfexzyvette]

Ang kuleet ng edit, 😍napasubscribe ako bigla...thanks for the info! 💪

[@kinoko6648]

I'm glad I saw your vid on my yt recommendations! I badly need this on my adulting 101, wanted to start a business but natatakot ako to take risks but I'll take it one step at a time. p.s gonna binge watch your vids! 💗

[@melvinadelantar7241]

Same hahahahahaha

[@poohtee19]

This kid has a bright future. God bless! Keep it up!

[@jaaa19200]

HALA 100K PLUS NA SYA HUHUHU CONGRATS!!! 💖💖💖 VISITED THIS VLOG AGAIN CAUSE I HAVE TO TELL IT TO MY FRIENDS. THANK YOU

[@autumn08]

Great info! On the "matching of the employer" part, I've increased my monthly contributions years prior but the employer counterpart remained pegged at P100.00. So, yeah free money, but not more than the P100.00/month employer counterpart thus far. Has any employer really actually matched more than the P100 monthly minimum? /curious

[@roymarkromano8885]

I always watch your vids. Every morning and it's like a motivation to me 😁

[@NicoleAlbaYT]

Oh wow that's amazing! Haha morning dose of motivation pala 🤩❤🍞

[@majobongalos7310]

Hi. Thank you so much for sharing your knowledge. I also shared your video in the group of Pag-ibig MP2. And it helps a lot of people like me who are also a beginner.

[@mischagal16]

First video na mapanood ko ito sa'yo, kelangang magsubscribeee, very helpful and informative

[@yukiii2312]

Watching your videos made me realize my regret for not saving or trying to invest when I was still a student. I know it's not too late yet since I'm just in my mid 20's, but still, adulting hits me hard with all these bills to pay considering that you're only living through your monthly salary which makes it harder to save. I salute you for managing your finances well. You're truly an inspiration, not only to young individuals but also to us adults. Thank you! BTW I really enjoy your editing. You make learning finances more fun than it actually is. 😊

[@catherinecariazo8963]

It was never taught in school even in college unless you have parents that are financially literate, you are lucky. Its never too late to learn and invest. Goodluck to us

[@SirFaceFone]

Sana talaga tinuturo yung financial literacy sa schools dito.

[@rojoommakim4767]

Thank you! I didn't know that you can register as early as 18! I could've put some of my savings there before na. Just wondering, did you get like a physical ID or just the id number? Also, do you need SSS before applying?

[@katshren2023]

First time hearing about MP2. I'll check about it. Thank you for the information Ms. Nicole. 😊 glad to hear someone same as your age talking about investment. ✅💯

[@pinkymoreno8381]

just found u on yt recomended vids and im happy i watched it and currently subscribing to u!! really inspires me to start investing and grow my savings

[@maam_izabelle]

I wish I already know this process when I was on my first year college huhu I don't have any allowance to invest right now due to I'm attending online class but this video inspires me. Thank you Nicole!

[@byunbaekhyun3499]

New subscriber here. Can you make a content about the kind of investments for 20s? like what should we start to prioritize or have? such as life insurance, pag-ibig, philheath etc. Thank you, Nicole.

[@NicoleAlbaYT]

Oooh sige this would be interesting to cover 👀 I'm not in the position to recommend investments, but maybe I can share my thoughts. Thanks for the recommendation 😁❤🍞

[@leeannlundang]

hi.. youtube suggested your video... and im so proud of you, in such a young age, you already thinking about your future... plus the way you deliver your content.. you seems like a fun person.. yow!!!😊 keep it up yow👏👍☺️

[@jerm7976]

This is inspirational, I have been trying to save up but tends to use it instead of investment. I'll definitely look into this.

[@freddievencortan4237]

Hi Nicole, you remind me of "The Humble Trader" on youtube. Your humor is much better tho 🙊 keep on!

[@NicoleAlbaYT]

Whoa! Haha thanks Freddie 😄

[@firepokemine1433]

Can I just say I love how excited you are when you do your videos. I am older than you, but I am learning a lot. Thanks

[@NicoleAlbaYT]

Thanks for watching! 😄❤🍞

[@trendingpinas7870]

Saving my Future Self, Thank You for this ♥

[@bebang57]

Great content! I'm inspired to start managing my finances. Thanks!

[@jenadmgz]

Newly licensed physician here! I’m so lost with how I can develop my personal finance, I’m so thankful I found your channel! thank you for sharing your knowledge, I am learning A LOOOOT!

[@chair3mander668]

New subscriber here and I'm really thankful that this was on my recommended list. Thank you for your videos!! Might binge watch haha. More power and stay safe!!

[@NicoleAlbaYT]

Whew HAHAHA welcome to the BreadFam! 😄❤🍞

[@amorsikos]

Wht about the goverment corupt

[@patricksantiago6465]

Your amazing, surprisingly learning from a younger person.

[@ariellaforteza]

I like your vblog Yo! Salamat sa malinaw na paliwanag 👏👏👏

[@angeloscofield1384]

Yes to Filipinos who knows the value of investing and sharing the word. SUBBED!😘

[@kennethfallorina7483]

You should create a tiktok acount to reach more people especially the young ones. Ya know, start them young HAHAHA

[@nicatv3004]

Napakagaling at ganda mo sis mag vlog. First time ko u napanuod now. But eto me ngayon napawooow sau. Very straight mga videos mo walang keme keme. Keep it up .

[@jasminebrillantes1624]

Thank for this vlog. Now i clearly understand the pag-ibig mp2. I should start now😊 thank you

[@justfor.frugals]

Great video! I opened mine pre-covid through Pag-IBIG office in Cebu. Just to add, u can withdraw even before it reaches 5 years but the dividends will be cut by 50%. I also made a similar video about MP2 and Virtual Pag-IBIG weeks ago. Cheers!

[@NicoleAlbaYT]

Thanks for sharing! 😁❤

[@jergensomo195]

Thank you for this Nicole, I'm planning to open an MP2 account. I just started my mutual fund investment because I got inspired watching your videos. Looking forward for more videos.. 👍

[@NicoleAlbaYT]

Nice mutual funds!! Awesome to hear that you're taking action 💪💯

[@greenranger3441]

@@NicoleAlbaYT I want to marry u

[@nylejoratat3505]

San ka naginvest mutual fund po?

[@thumbellinanica5377]

Same question, where/when, who, what and how to start mutual funds

[@NegosyoManila]

Browsing your video is like reading a good book! I have benefited a lot! Thank you for your hard work!🥰 Your channel is great. I'll never get used to saying it is worthy of a million likes! Fully watched! 💯🥰💝 love you ate Nicole!

[@feyzamae4725]

Thank you very much for this! Very helpful!! Thank you! You don’t know how much this means to me right now. Thank you again. God bless. 🙏🙏🙏

[@hpsuarez3178]

Hello, I have a question about the PAG-IBIG monthly contribution. does that mean that we still need to pay the regular 100php monthly contribution along with the 500php MP2 investment? Upon receiving our MP2 dividends, will PAG-IBIG notify us if the pay-out is already on our savings/checking account enrolled in any of Pag-IBIG Fund accredited banks or if the check for payout (for those who don't have Philippine bank account) is already for release? I hope you can clarify these things. I enjoy your content so much! Thank you

[@abegailroseebona1830]

I hope my friends and family will invest here also. I'll share this with them 😊 I opened mine last year. Btw, your video has a dislike button na hahahaha But I won't click that because I like your videos 💖💖

[@NicoleAlbaYT]

Okay lang dislikes haha I know naman I can't please everyone 🤷‍♀️ Thanks for watching even though you already have an account! Hoping you still learned something hehe 😁❤🍞

[@huhwhat8183]

Safe po ba mag invest, natatakot po Kasi ako baka mangyari Yung sa PhilHealth

[@jmd1887]

Wow new subscriber here I just saw you sa article, and immediately come up here and subscribed! I really send all your videos sa mga pamangkin ko para matuto sila from you. Kasi hirap na hirap ako to encourage them to learn to invest habang bata pa sila.

[@danielabuyoc5364]

Itatry ko to, thank you for this Nicole ❤️

[@joyannamada9207]

Rooting for you! This is indeed a financially literate generation. 💘

[@disreemo]

I think there is also an investment platform like this through SSS . If there is can you create a vlog for this kind. thanks

[@LouieBeton]

Thank you Nicole Alba! This guide was very helpful!

[@denniskuwait6819]

Thank you for your video appreciate it so much.Sana mapatakan ka ng ulan para lumago at bumaha pa ang mga katulad mo.

[@julieannjunemadrigal5034]

"it's government back" -- philhealth left the group chat 😀😀😀😀

[@thejunochannel5022]

Hi. You know someone told me about this before like a year ago but I lost interest in pursuing it. Now as I watch your vlog I wish I pursued it at once. Thank you so much for this vlog I hope its not yet too late! 🤖

[@NicoleAlbaYT]

Never too late! 🙌

[@mjbaguio8796]

galing mag explain klaro godbless you ate girl😍❤️👏

[@roshankyo4706]

New subscriber here! Happy to see this in my recommend videos, you're so witty girl! At the age of 20 I wanna try this huhu. Thank youu for the info Miss Nicole 🤗😊

[@imjichuimokay5451]

Thank you po for this helpful information I'm new to your channel po, I plan to start investing next year pag 18 nako😊

[@annemirindante9107]

Finally found someone on finance yt that I can understand 🥺 Thank you so much 💖

[@maribeldivina8805]

I just subscribed. I think im gonna learn a lot from a youngster like you...keep it up girl!