Sagisag Award

Pag-IBIG Fund wins PS-DBM 'Sigasig' Award

Pag-IBIG Fund Senior Vice President Elmer Gabriel Tugade and Administrative Services Officer V Vanessa Valderama receive the first ever 'Sigasig' Award from officials of the Procurement Service-DBM at a ceremony held at the PICC on February 29. 

According to PS-DBM, the award recognizes the resolve of Pag-IBIG Fund in having procurement projects, posted in the PhilGEPS, awarded. 

This highlights Pag-IBIG's commitment to uphold transparency and efficiency in its operations.

Emergency Fund

What is the Emergency Fund?

The Emergency Fund is an interest-earning savings fund that lets you build the ideal emergency savings equal to 3x your monthly income. It can earn up to 5% interest yearly.

SAVE

Guaranteed interest and protection

Protect and build your target Emergency Fund equal to 3x your monthly income with up to 5% yearly interest and life and disability insurance

PLAN

Smart financial planning tool

Get recommended goals that you can adjust and track based on your different life stages.

PROTECT

Customizable insurance and investment

Grow your savings potential with investment-linked insurance, and secure it from unplanned withdrawals with life and health insurance that fits your budget.

It also comes with instant life and disability insurance coverage called Protect from Emergency. So, in case disability or death happens while you’re still building up your emergency fund, you or your beneficiary/ies will receive a cash benefit equal to 3x your monthly income.

Plus, it comes with a free Singlife Visa Debit Card that you can use to access your emergency fund whenever needed.

Cash in today for only Php 250

• Additional Php 250 cash credits to your Emergency Fund
• 5% yearly interest rate on your Emergency Fund

Achieve your financial goals with Singlife Plan & Protect App

A better way to save, plan, and protect in one easy app...

Start Building Your Singlife Emergency Funds for FREE here!

Singlife Referral Program

Why be a Singlife Champion?

Being a Singlife Champion comes with the following perks:

A chance to help friends and family achieve financial control

• Help your friends get personalized financial recommendations fit for their current life stage and customizable according to their budget.
• Prepare them for the unexpected with easily manageable insurance products.
• Give them a chance to have peace of mind with an affordable life and disability insurance as they build their Emergency Fund, which earns up to 5% guaranteed interest annually.

Easy and trackable way to get referrals

• Get everything you need to champion Singlife Plan & Protect App's many financial products and features.

Boost your Emergency Fund with passive earning

• Get cash credits to your Emergency Fund for every successful referral.

How to be a Singlife Champion

Being a Singlife Champion is easy:

Activate your Singlife Emergency Fund

• You will need to have an active Emergency Fund to become a Singlife Champion. Don’t have a Singlife account yet? Download here.
• Cash credits from referrals who have successfully cashed in will be credited to the Emergency Fund.

Generate your unique referral codes

• Use the mobile number registered to your Singlife account to generate your unique referral code.
• Share and post your referral codes for friends and family to use.

Start earning cash credits

• Get a referral fee for every referee who have successfully cashed in to their Emergency Fund.
• Php 200 will be credited to your Emergency fund for every Protect from Emergency Policy activated by your referrals.
• Php 100 will be credited to your Emergency fund for other Singlife Plan & Protect qualified products that your referee gets.
• Referral fees are credited to your Emergency Fund every two weeks.

Create Singlife Account for FREE Here.

DIPLOMA o DISKARTE?

Diploma o 💡 Diskarte: Alin ang Iyong Pinakamabisang Laban?

Sa larong buhay, ang edukasyon at diskarte ay parehong mahalagang baraha. 

🃏 Habang ang diploma ay nagbubukas ng mga pinto sa pamamagitan ng pormal na kwalipikasyon, ang "diskarte" naman ay naglalayong magbigay solusyon sa pamamagitan ng katalinuhan at kakayahan. 

🌟 Sa pagtatagpo ng kaalaman at katalinuhan, naroon ang tagumpay. 

💼 Ano ang landas na pipiliin mo upang malampasan ang iyong mga hamon? Alamin natin ito ng sama-sama! 

Kabayan, hindi ka pwedeng umasa lang sa DIPLOMA.

Ano ba ang diploma? Ang DIPLOMA ay isa lamang na kapirasong papel na pinaganda, ginawan ng disenyo at nilagdaan ito ng mga kinauukulan at ito ang batayan at nagsasabi na nakapasa ka sa lahat ng examinations mo sa'yong iskwelahan.

Pero hindi ibig sabihin na kapag meron ka diploma ay magiging successful ka na.

Alam mo ba na halos karamihan ay merong diploma pero hindi nagamit yung inaral nila.

Hindi ibig sabihin pag may diploma ka, masaya ka na.

Maraming may diploma pero iba ang trabaho.

Maraming may mga diploma pero hindi parin sila umasenso at hindi sila masayan sa buhay nila.

Kasi yung pinag aralan nila ay hindi akma sa trabaho nila ngayon at hindi naman talaga iyon ang passion nila.

Hindi ka din pwedeng umasa sa DISKARTE lamang…

Ang Diskarte kasi ibig sabihin ay ang pagiging maparaan. (Resourcefulness)

Kailangan mo lang ng matinik na DISKARTE kapag may problema ka na kailangan i-solved. Hindi mo kailangan ng diskarte araw-araw.

Diploma o Diskarte? Alma mo ba na ang pinaka importate at pinaka kailangan natin ay Dedikasyon!

Kasi kapag may dedikasyon ka sa ginagawa mo, panigurado magbubunga yung ginagawa mo, kahit ano pa yan…. Trabaho o negosyo!

Kapag binuhos mo ang ang 'yong oras, effort at buhay mo sa isang bagay na gustong gusto mo at ginagawa mo, imposibleng hindi ka maging successful.

Lahat ng tao na may na achieve na malaki sa buhay, lahat sila dedicated.

Meron silang pambehirang dedikasyon sa buhay at sa ginagawa nila. At pinaka importante sa lahat, magiging masaya ka at kontento ka!

Ibuhos mo lang naman ang buhay mo or ibigay mo ang didikasyon mo sa something na mahalaga at magpapasaya sayo.

Diploma o Diskarte? Hindi mo kailangan mamili. 

Pwede meron ka ng isa dyan, pwedeng parehas meron ka, pwede din parehas wala ka nyan.

Pero ang hindi pwedeng mawala, at ang kailangan nating lahat ay DEDIKASYON. Dahil sa totoo lang ay maraming tao ngayon ang wala nyan.

Ikaw, ano yong pananaw o openyon mo, DIMPLOMA o DISKARTE?

#DiplomaVsDiskarte #BuksanAngIyongPotensyal #EdukasyonAtKatalinuhan

2023 Dividend Rates for P1 at MP2 Savings

2023 DIVIDENDS and RETURNS are higher this year!

Pag-IBIG Fund has formally unveiled the highly-anticipated Pag-IBIG Savings Dividend rates for Y2023 in today's Chairman's Report on February 27, 2024. 

President Ferdinand R. Marcos, Jr., together with Pag-IBIG CEO Marilene C. Acosta, unveiled the dividend rates of:

[P1] Pag-IBIG Regular Savings: 6.55% per annum

[MP2] Pag-IBIG MP2 Savings: 7.05% per annum

#PagIBIGFund

#ChairmansReport

#2023DividendsAnnouncement

2x Savings

At first glance, Php200 might seem like a modest sum, just a small fraction of your monthly paycheck. Yet, as the saying goes, "Little drops of water make a mighty ocean." Imagine redirecting that same Php200 towards a significant goal – your savings. This perspective aligns perfectly with the Home Development Mutual Fund, or Pag-IBIG Fund, which can serve as a tool to empower Filipinos to save smartly.

Starting February 2024, Pag-IBIG members can now enjoy double the savings under the agency’s latest rates. The maximum amount used to calculate Pag-IBIG contributions, called the Monthly Fund Salary (MFS), has gone up from P5,000 to Php10,000. This change affects the resulting 2% contribution rate, which is the percentage of your salary that both you and your employer contribute to Pag-IBIG. With the new maximum MFS, you and your employer shall now each put in Php200 per month (2% of Php10,000) instead of the previous Php100. So, a member’s total monthly contribution is now Php400. Check out the table below.

This increased contribution goes into your Pag-IBIG Regular Savings. While it might not seem like much initially, after a year, you'll have saved Php4,800. This change essentially doubles your savings with Pag-IBIG. And what’s more, this shall earn annual dividends, which shall be based on Pag-IBIG’s earnings during the year.

Why Does this Matter?

The recent increase in savings for Pag-IBIG Fund members comes with some good perks. The bump in savings shall translate to a larger cash loan, helping you gain more funds to achieve your goals or to address emergencies.  

That Php200 from your monthly paycheck could also be the key to unlocking homeownership sooner than you think. With more funds to use, Pag-IBIG shall be able to continue financing more home loans at low interest rates – and one of these loans may be yours.  

And, if retirement is on your radar, the increased contributions translate to a more substantial retirement payout. Imagine retiring with a bit more in your pocket, ensuring better benefits as you transition into your golden years. It's about securing your future and enjoying the fruits of your labor when the time comes.

Look at a sample computation below to see how the new rates can affect a member’s lump sum and dividends.

"The increase in the Pag-IBIG Monthly Savings Rates shall benefit our members the most because every peso they save will go to their Pag-IBIG Savings. Under our new rates, they will have higher Pag-IBIG Savings that earn annual dividends, which they shall receive upon membership maturity or retirement,” explained Marilene C. Acosta, Pag-IBIG Fund Chief Executive Officer.

“For example, based on our old rates, a member would receive around P87,000 upon reaching membership maturity. On the other hand, a member who saves under our new rates over a period of 20 years would receive P174,000 or double the amount. And, because of their higher savings, they shall also be entitled to higher multi-purpose and calamity loan amounts to help them with their financial needs.”

Think of your Php200 not merely as a contribution but as a strategic move towards your future. This means you can aim for your life goals and buy your own home, while conveniently preparing for a comfortable retirement. Pag-IBIG Fund can help you make smart money decisions and unlock your dreams. Check out these Frequently Asked Questions (FAQs) from the official Pag-IBIG website to get you started.

2024 Best Investment

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