Pag-IBIG Fund books ₱9.43B investment income in 2025

The Home Development Mutual Fund or the Pag-IBIG Fund on Thursday said its investment income grew nearly by 50% to P9.43 billion in 2025.

In a news release, Pag-IBIG said its investment earnings helped lift the fund’s overall financial standing.

This, as the agency’s total assets rose to P1.23 trillion last year with its gross investment portfolio reaching to P190.13 billion, up by P55.27 billion or 41.0% year-on-year.

Pag-IBIG said a large portion of the portfolio was invested in government securities, with the remainder placed in time deposits, corporate bonds and preferred shares.

It added that these instruments undergo a rigorous review and are subject to established safeguards.

“Pag-IBIG Fund’s investment growth demonstrates our commitment to responsible stewardship of our members’ savings,” said Department of Human Settlements and Urban Development (DHSUD) Secretary Jose Ramon Aliling, who also chairs the Pag-IBIG Fund Board of Trustees. 

“Through sound governance and prudent financial management, we continue to strengthen Pag-IBIG Fund’s financial position and secure its long-term stability. This allows us to grow our members’ savings, deliver competitive returns, and sustain affordable home loans under the Expanded 4PH program. In doing so, we answer President Ferdinand R. Marcos Jr.’s call for government to deliver benefits and services to help uplift the lives of more Filipinos,” he added.

Of Pag-IBIG’s total assets in 2025, housing-related assets accounted for P922.07 billion, while P96.41 billion were in short-term loans. 

The fund said its income-generating investments totaled P190 billion, while the remaining P25.98 billion are in other assets such as property and equipment, cash, and intangible assets.

“It is our responsibility to manage and grow the Filipino workers’ fund with prudence and integrity,” said Pag-IBIG CEO Marilene Acosta.

“All our investments are lawful, prudent, and fully compliant with our internal protocols and Board-granted authorities, with regular reporting to the Board to ensure transparency and accountability. Our members can be assured that every peso is managed with the highest regard for safety, sustainability, and their best interest,” Acosta added.

The Pag-IBIG chief said the stronger investment income supports the fund’s mandate of delivering competitive returns to members while sustaining housing and short-term loan programs nationwide.

Under its Charter, Pag-IBIG Fund returns at least 70% of its annual net income to members as dividends. 

In 2024, the agency declared dividend rates of 6.60% for Regular Savings and 7.10% for Modified Pag-IBIG 2 (MP2) Savings, its highest since the pandemic. 

The Pag-IBIG Fund is expected to announce its 2025 dividend rates on Friday, February 27, 2026. — JMA, GMA Integrated News