Celeste - Financial Advisor

17/07/2025

Quick explanation of uniform 20% tax on interest income from your savings

Starting July 1, 2025, lahat ng interest income (tubo sa pera mo sa bangko) ay may flat na 20% buwis — kahit anong amount, currency (peso o dollar), o gaano katagal naka-deposit.

Dati kasi:
✔️ Kapag naka-time deposit ka ng 5 years or more – tax-free
✔️ 4–5 years – 5% tax lang
✔️ 3–4 years – 12%
✔️ Less than 3 years – 20%
✔️ Dollar accounts – 15%

Ngayon:
Lahat ng bagong deposits (kahit ilang taon pa yan), 20% na agad ang kaltas sa interest.

Halimbawa:
Kung kikita ng ₱1,000 interest ang pera mo, automatic may kaltas na ₱200 (20%), so ₱800 na lang ang matatanggap mo.

Good news naman:
✅ Kung may old deposits ka bago July 1, hindi pa ito apektado. Luma pa rin ang tax rate nila hangga’t hindi pa nagma-mature.

Bakit ginawa ito?
Para mas simple at pantay ang buwis sa lahat ng savings at investment products. Para narin maka-level sa ibang bansa.

📌 Bottom line:
Wala nang tax-free interest kahit long-term pa ang ipon mo. Lahat ng bagong deposit mula July 1, may automatic 20% tax na sa tubo.

Kung gusto mong malaman kung saan pa mas okay mag-invest ngayon, or kung paano mo ma-maximize ang pera mo, just let me know! 💬

Photo credits to Serbisyong Pilipinas

17/07/2025

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01/04/2025

Wag mo iasa sa iba ang isang bagay na di mo sigurado kung masusuportahan ka hanggang sa huli. Don't be a fool; get an assurance.

Be insured. Inquire now and be responsible for yourself.

Send a message to learn more

16/12/2024

Mga taong kailangan ng insurance:

✅ Breadwinner (Maraming umaasa sayo, paka tatag ka)
✅ Ginagawang tubig ang Coke
✅ Madaming kaaway
✅ Masama ang ugali (hindi ka makaka asa sa Gcash ng iba)
✅ Mapride na di daw kailangan ng tulong ng iba
✅ Mahilig kumain ng bawal (May gamot naman daw)

Kung may ka kilala ka na kailangan ng insurance message nyo po ako. Maraming salamat po 😁

14/05/2024

🥹

07/05/2024

Today marks my third year as an AIA Financial Advisor. 🥂

I am appreciative for my clients' trust and the opportunity to assist them in achieving their own goals.

This career exposed me to a variety of people and how they deal with challenges and financial setbacks. It is quite motivating to watch their determination and willingness to plan for their future.

I was able to grasp diverse characters and faced hundreds of rejections, but I understood their predicament. I can't make everyone prioritize having a secure life, but I hope I was able to make them realize the importance of having an Insurance.

I can't share every lesson I've learnt over the last three years, but working as a financial advisor has been a fantastic opportunity and rewarding career.

xoxo

Celeste Sibulo
Your advisor of choice

To my personal clients, unit clients, serviced AIA clients, my advisors, co-advisors, and co-leaders:

Tell me about your favorite memories with me, and why you chose me as your financial advisor/leader.

Let us continue to make more meaningful memories together. 🫶

01/05/2024