aside sa mga personal insurance, nindot sad kono ni for investments for retirement purposes.
Mao ni akoang nahibaw-an about ani: Ang mga return-on-investment (meaning, profit, or interest earned, or increase in value) under these programs are taxed at 0% until you retire. Kung mo-retire na ka and you are going to withdraw your investments, dinha pa ka pabayron ug tax.

Any comments people of istorya?