The Social Security System (SSS) said its Pension Booster Program, also known as the Voluntary Provident Fund, continued to post steady gains in 2026, recording an average return on investment (ROI) of 6.2 percent from January to May despite global economic headwinds.
The agency said the performance remains slightly lower than last year due to adjustments in interest rates implemented by the Bangko Sentral ng Pilipinas (BSP), but continues to outperform key market benchmarks and remains a competitive retirement savings option for members.
Finance Secretary and Social Security Commission ex-officio Chair Frederick D. Go said the program reflects the government’s commitment to strengthening retirement security for Filipino workers.
“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,” Go said.
SSS noted that the 2026 performance follows a 6.83 percent return in 2025, which exceeded the average yield of the 91-day Treasury bill rate at around 4.77 percent.
The agency also reported increased participation, with contributions rising by 21.8 percent to P699 million in 2025 from P574 million in 2024, reflecting growing member confidence in the program.
To maximize earnings, SSS said it has waived the one percent management fee on Pension Booster accounts from 2025 to 2028, allowing members to retain full investment gains.
SSS President and Chief Executive Officer Robert Joseph M. de Claro said the program highlights disciplined investment management and long-term value creation.
He added that members can now monitor the monthly compounding growth of their Pension Booster savings through their My.SSS accounts, enabling better retirement planning.
“The strong performance of the Pension Booster demonstrates disciplined and professionally managed savings. We remain committed to providing members greater financial security during retirement,” de Claro said.
The Pension Booster Program is open to all SSS members and allows voluntary savings starting at P500, with no maximum contribution limit.
SSS said contributions are pooled and invested in government securities, corporate bonds, equities, fixed-income instruments, and money market placements, with tax-free earnings credited directly to members’ accounts.
De Claro encouraged members to start early and remain invested longer to maximize returns, citing the benefits of compound growth.
“Planning and saving for retirement should begin early. The longer the members stay invested, the greater their potential returns,” he said.
Interested members may enroll in the program through their My.SSS online accounts.
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