Author Topic: PAG-IBIG Fund: A Very Good Retirement Investment Vehicle  (Read 121 times)

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PAG-IBIG Fund: A Very Good Retirement Investment Vehicle
« on: April 17, 2017, 01:24:48 PM »
PAG-IBIG Fund: A Very Good Retirement Investment Vehicle

The Home Development Mutual Fund (HDMF) or PAG-IBIG Fund is much known to every Filipinos as a government institution intended to provide affordable shelter financing to all Filipinos. Aside from this, its members look at it as another lending institution to borrow money from with lesser interest rate compared to those offered by banks or loan sharks.


On the undesirable side, some employees perceive the HDMF as another burden that takes away another deduction from their hard-earned money on a monthly basis. Other cuts being the income taxes, the Philhealth and the SSS contributions.


Unknown to many, however, PAG-IBIG Fund is a very good retirement savings vehicle for the fund’s members. As a member of the fund, your contributions were growing due to dividends the fund is generating from the loans borrowed by its members and other income generating operations it ventures.


At present, the fund have the following loan programs available for its members.


1. The Multi-Purpose Loan (MPL) Program which aims to address the member’s immediate financial needs.

2. The Calamity Loan Program which is made available to members whose place of residence has been placed under a state of calamity after a natural disaster.

3. The Housing Loan Program which is a financial assistance for the purchase or construction of a residential unit.


With these loan programs and other income generating operations by the fund, PAG-IBIG Fund members’ contributions could grow into a very good amount they can use during their retirement age.







With an assumption of 4% dividend performance annually (based on previous years performances), members’ contributions could grow into the given figures on the table above within the span of 20 years.


To check on the above-mentioned table, you can go on the PAG-IBIG Fund report on their website through the link below:

PAG-IBIG Fund Savings Growth


To verify or play around yourself on the PAG-IBIG Fund dividend rate on the given table above, I have prepared a PAG-IBIG Fund Savings Growth Calculator in Excel File which you can use to assume your calculations.

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PAG-IBIG Fund: A Very Good Retirement Investment Vehicle
« on: April 17, 2017, 01:24:48 PM »

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