THE Home Development Mutual Fund, also known as the Pag-IBIG Fund, said its investment income jumped by nearly 50 percent to P9.43 billion in 2025. In a statement by officials on Wednesday, the agency said this reinforces the agency’s “strong fiscal position and helps sustain affordable home financing, grows member savings” and helps lift its overall financial standing. At year-end of 2025, total assets rose to P1.23 trillion while its gross investment portfolio increased to P190.13 billion, up P55.27 billion or 41 percent from the same period in 2024. “A large portion of the portfolio was invested in government securities, with the remainder placed in time deposits, corporate bonds and preferred shares, officials said, adding that these instruments undergo rigorous review and are subject to established safeguards,” the agency said. According to Housing Secretary Jose Ramon Aliling, who serves as Pag-IBIG’s chairman of the board of trustees, the investment growth demonstrates their commitment to responsible stewardship of Pag-IBIG members’ savings. “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 Marcos Jr.’s call for the government to deliver benefits and services to help uplift the lives of more Filipinos,” Aliling said. Of the agency’s total assets as of the year-end of 2025, housing-related assets accounted for P922.07 billion, while P96.41 billion were in short-term loans. Income-generating investments totaled P190 billion, with P25.98 billion in other assets that included property and equipment, cash and intangible assets. Pag-IBIG Chief Executive Officer Marilene Acosta said the investment decisions are undertaken “within a strong governance framework designed to protect members’ savings.” “It is our responsibility to manage and grow the Filipino workers’ fund with prudence and integrity... 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. “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. Acosta also said that stronger investment income supports the agency’s mandate of “delivering competitive returns to members” while also sustaining housing and short-term loan programs in the country. Based on the Pag-IBIG Fund’s charter, the agency returns at least 70 percent of its annual income to its 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, which is its highest since the pandemic. It is set to announce its 2025 rates on Friday.