Pag-IBIG Fund’s investment income jumped nearly 50 percent to P9.43 billion in 2025, reinforcing the agency’s strong financial standing and helping it provide affordable home financing while growing members’ savings, Pag-IBIG officials said Wednesday.

The boost in investment earnings also strengthened Pag-IBIG Fund’s overall financial position.

By year-end 2025, total assets reached P1.23 trillion, while the gross investment portfolio rose to P190.13 billion — up P55.27 billion, or 41 percent, from 2024. Most of these investments were in government securities, with the rest in time deposits, corporate bonds, and preferred shares, all carefully reviewed and safeguarded, the officials said.

“Pag-IBIG Fund’s investment growth shows our commitment to responsibly managing our members’ savings,” said Human Settlements Secretary Jose Ramon P. Aliling, who chairs the Fund’s Board of Trustees.

“Through sound governance and careful financial management, we strengthen Pag-IBIG’s position, grow members’ savings, and sustain affordable home loans under the Expanded 4PH program. This is in line with President Marcos’ call to deliver services that improve the lives of more Filipinos,” Aliling said.

Of Pag-IBIG Fund’s total assets, P922.07 billion are housing-related, P96.41 billion are in short-term loans, P190 billion are income-generating investments, and the remaining P25.98 billion cover other assets like property, equipment, cash, and intangibles.

Pag-IBIG Fund CEO Marilene C. Acosta said that all investment decisions follow a strong governance framework to protect the members’ money.

“It’s our duty to manage and grow the Filipino workers’ fund with prudence and integrity,” she said. “All our investments are lawful, careful, and fully compliant with internal protocols. The board regularly reviews them to ensure transparency and accountability. Members can be confident that every peso is managed for safety, sustainability, and their best interest.”

Stronger investment income allows Pag-IBIG to deliver competitive returns to members while keeping housing and short-term loans accessible nationwide.

“Every peso entrusted to Pag-IBIG Fund is invested with safety, sustainability, and long-term value in mind,” Acosta added. “Good investments mean stronger dividends for our members and more affordable homes for Filipino families.”

By law, Pag-IBIG returns at least 70 percent of its annual net income as dividends. In 2024, it declared the highest rates since the pandemic: 6.60 percent for Regular Savings and 7.10 percent for Modified Pag-IBIG 2 (MP2) Savings. The 2025 dividend rates are set to be announced on Friday.