If you’re looking for safe, reliable, and government-backed ways to grow your money in the Philippines, you don’t always have to rely on banks or private investments. The government itself offers multiple programs that help you earn while keeping your capital secure.
Here’s a list of the top government savings programs you can explore — including how they work and how to get started.
1. Pag-IBIG MP2 Savings Program
The Pag-IBIG MP2 (Modified Pag-IBIG II) Savings Program is a voluntary savings scheme for members who want higher earnings than the regular Pag-IBIG savings.
Key Features:
- Higher dividend rates (often above 6% in recent years)
- 5-year maturity period
- Government-guaranteed
- Minimum ₱500 initial savings, no maximum
- Flexible deposits — monthly, yearly, or anytime
Why choose MP2:
Great for conservative investors wanting better returns than bank time deposits with guaranteed capital.
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2. Pag-IBIG Regular Savings Program
The Pag-IBIG Regular Savings is your main membership contribution to the Pag-IBIG Fund, but voluntary members can increase contributions for better returns.
Key Features:
- Earns annual dividends
- Minimum voluntary contribution: ₱100/month
- Withdrawable upon retirement, disability, or other eligibility
- Fully government-backed
Why choose this:
Ideal for long-term savers and as a foundation for building a retirement fund.
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3. Retail Treasury Bonds (RTBs)
Retail Treasury Bonds (RTBs) are fixed-income investments issued by the Bureau of the Treasury.
Key Features:
- Minimum investment: usually ₱5,000
- Interest paid quarterly to your bank account
- Terms: 3–5 years
- Virtually risk-free
Why choose RTBs:
Perfect for those seeking predictable quarterly income and guaranteed capital.
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4. PERA (Personal Equity and Retirement Account)
The PERA is a voluntary retirement savings program that provides tax incentives to encourage Filipinos to save for retirement.
Key Features:
- Tax-exempt investment earnings
- Annual tax credit equal to 5% of contributions
- Multiple investment options: government securities, mutual funds, UITFs, insurance products
- Available to overseas Filipinos as well
Why choose PERA:
Ideal for those who want tax-advantaged retirement savings with flexibility in investment choices.
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5. SSS Pension Booster
The SSS Pension Booster allows members to add voluntary contributions for a bigger retirement fund.
Key Features:
- Separate from regular SSS contributions
- Annual interest earnings
- Flexible deposit schedule
- Helps increase future pension
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Final Tips for Choosing
- For higher yields: MP2 and RTBs often lead the pack.
- For retirement focus: SSS Pension Booster, PERA, or Pag-IBIG Regular Savings.
- For low entry cost: Pag-IBIG programs.
- For tax benefits: PERA is unmatched.