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Social Security System (SSS) members who pay more than their regular membership contributions, through a vehicle called SSS Pension Booster, earned 6.2% return on their savings from January to May this year, the SSS reported.
SSS noted that the 2026 performance is slightly lower than
the 6.83 percent return in 2025, mainly due to changes in interest rate
policies of the Bangko Sentral ng Pilipinas, but it surpassed the prevailing
91-day treasury bill rate which had a year-to-date average of approximately
4.77 percent.
In 2025, contributions to SSS Pension Booster rose 21.8
percent to P699 million from P574 million in 2024, reflecting growing member
confidence in the program, it said. With the SSS waiving the one percent
management fee on Pension Booster accounts from 2025 to 2028, members fully
enjoy their investment gains.
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The program is one of the retirement savings options for
Filipino workers.
People who put their savings in Pag-IBIG Fund (otherwise
known as Home Development Mutual Fund) earned 6.62 per cent last year for
Pag-IBIG Regular Savings, and 7.12% yearly for Pag-IBIG MP2 Savings.
The 2025 rate for Pag-IBIG regular savings, which comprise
the monthly membership payments that open up a wide variety of housing and cash
loan schemes, was the highest since 2020. The rates stood at 6.60% in 2024,
6.55% in 2023, 6.53% in 2022, 5.50% in 2021 and 5.62% in 2020.
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“The continued strong performance of the SSS Pension Booster
underscores our commitment to protecting the financial future of Filipino
workers. Through prudent management of members’ funds, we are helping build a
more secure and dignified retirement for every Filipino,” Finance Secretary and
Social Security Commission ex-officio Chair Frederick D. Go said.
SSS President and Chief Executive Officer Robert Joseph M.
de Claro added: “The strong performance of the Pension Booster demonstrates
disciplined and professionally managed savings. We remain committed to
providing members greater financial security during retirement.”
The Pension Booster is open to all SSS members to build
additional savings for their retirement. It allows individuals to save starting
at P500, with no maximum contribution limit, through their My.SSS account.
Contributions are pooled and invested in government securities,
corporate bonds, fixed-income instruments, equities, and money market
instruments, with tax-free earnings credited proportionately to members’
accounts.
De Claro urged members to start investing early to maximize
returns through compounded growth. “Planning and saving for retirement should
begin early. The longer the members stay invested, the greater their potential
returns,” he said.
