Article by:
Ma. Teresa Montemayor
MANILA – Members of the Pag-IBIG Fund collectively saved a record PHP160.41 billion in 2025, marking a 21 percent increase from the previous year and the highest savings collection in the agency’s history.
In a statement on Wednesday, Pag-IBIG Fund said the milestone was driven largely by the sustained growth of voluntary savings, particularly under the Modified Pag-IBIG II (MP2) Savings Program.
Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon Aliling, who also chairs the Pag-IBIG Fund Board of Trustees, said the strong performance reflects members’ continued trust in the agency’s savings programs.
“Once again, our strong collections reflect the trust and confidence our members place in Pag-IBIG’s savings programs,” Aliling said. “With PHP27.61 billion more savings collected in 2025 compared to the previous year, Pag-IBIG Fund’s solid financial position enables us to continue offering low-interest rates and to support the financing requirements of the Expanded Pambansang Pabahay Para sa Pilipino (4PH) Program of President Ferdinand R. Marcos Jr.”
Of the total savings collected last year, mandatory monthly contributions reached PHP66.80 billion. Voluntary savings, or funds saved by members beyond the required contributions, accounted for the larger share at PHP93.60 billion, or 58 percent of total collections.
Pag-IBIG Fund Chief Executive Officer Marilene Acosta said voluntary savings have now surpassed mandatory contributions, underscoring a strong culture of saving among members.
“Our members are saving more voluntarily, to the point that voluntary savings have already surpassed mandatory contributions,” Acosta said. “This is very encouraging because it shows that the culture of saving for the future remains strong among Pag-IBIG members.”
Acosta noted that members’ additional monthly contributions amounted to PHP10.09 billion, as more members opted to save above the required PHP200 monthly contribution. She attributed this to members’ growing appreciation of saving with the Pag-IBIG Fund, supported by the agency’s consistent track record of competitive annual dividend rates.
She added that strong confidence in the fund also continued to fuel participation in the MP2 Savings Program, with collections reaching PHP83.51 billion in 2025, making it the primary driver of voluntary savings growth.
“We are very pleased that MP2 Savings continues to encourage more Filipino workers to set aside money for their future,” Acosta said. “Through this program, we have helped our members appreciate the value of disciplined saving by offering a secure and rewarding savings option aligned with their short-term goals.”
Acosta added that many MP2 savers, particularly retirees and pensioners, now refer to themselves as “LODI,” or “Living on Dividends,” as they use their annual returns to help cover daily expenses.
She assured members that Pag-IBIG Fund will continue to manage savings prudently and strive to provide the highest possible returns, in line with its commitment to public service. (PNA)
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