Pag-IBIG Fund’s investment income surged nearly 50 percent to P9.43 billion in 2025, boosting the agency’s financial position and supporting its housing and savings programs, officials said Wednesday.

The stronger earnings helped lift Pag-IBIG Fund’s total assets to P1.23 trillion by year-end 2025. Its gross investment portfolio also rose to P190.13 billion, up P55.27 billion or 41 percent from year-end 2024.

Officials said a substantial portion of the portfolio was placed in government securities, while the rest was invested in time deposits, corporate bonds and preferred shares. These instruments, they added, are subject to strict review and 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 Secretary Jose Ramon P. 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.”

As of year-end, housing-related assets accounted for P922.07 billion of Pag-IBIG’s total assets, while P96.41 billion were in short-term loans. Income-generating investments stood at P190.00 billion, with P25.98 billion in other assets such as property and equipment, cash and intangible assets.

Pag-IBIG Fund Chief Executive Officer Marilene C. Acosta said investment decisions are guided by a strong governance framework designed to safeguard members’ funds.

“It is our responsibility to manage and grow the Filipino workers’ fund with prudence and integrity,” Acosta said. “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 said higher investment income supports the agency’s mandate to provide competitive dividends while sustaining housing and short-term loan programs nationwide.

“Every peso entrusted to Pag-IBIG Fund must be managed with safety, sustainability, and long-term value in mind. When we invest well, members benefit through stronger dividends, and more Filipino families benefit through affordable home financing,” she added.

Under its charter, Pag-IBIG returns at least 70 percent of its annual net income to members as dividends. In 2024, it declared dividend rates of 6.60 percent for Regular Savings and 7.10 percent for Modified Pag-IBIG 2 Savings, its highest since the pandemic. The agency is expected to announce its 2025 dividend rates on 27 February.

Pag-IBIG said it remains focused on growing members’ savings while keeping home financing accessible to more Filipino families.