Biggest Pag-ibig Savings Ever Is 1.6 Million Pesos

Mr. Juanito Calubaquib of Tuguegarao City was able to save with Pag-ibig a total of 1.6 million pesos, the biggest ever in Pag-ibig’s 33-year history, according to a news story by Pag-ibig on its website ¬†Accordingly, Mr. Calubaquib also earned the biggest total dividends ever, amounting to 234,000 pesos.



Last year, in 2014, Mr. Calubaquib received his Pag-ibig check in the amount of 1.2 million pesos! He mentioned that he will invest some of his money in Modified Pag-ibig 2, which offers a dividend rate higher than the rate offered by Pag-ibig 1, the mandatory savings program for employees and OFWs.
Just like many of us, Mr. Calubaquib also started with a monthly savings of 100 pesos, the mandated contribution amount for employees. But in February 2005, he decided to increase his monthly savings from 100 pesos to 1,900 pesos. What did prompt him to increase his savings? It was not said. But probably he observed that the dividend rate for Pag-ibig savings was much higher than the interest rate for bank savings accounts.

He must have been further inspired by his increasing amount of savings that in January 2009, he increased his monthly savings to 20,000 pesos per month.

The news story credited the Tuguegarao City’s Pag-ibig branch for increases in members’ contribution amounts. They have been encouraging members to contribute more than the 100-peso monthly savings and to also save in the Modified Pag-ibig 2 program.

Updated: January 2, 2017 — 12:00 pm


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  1. Hi Perla, ang SSS benefits are pension, sickness/disability/maternity/funeral/death benefit at salary loan program. If you’re not employed or not OFW, mag-register as self-employed. Dapat merong approval as self-employed bago mag-start magbayad para valid ang contributions.
    Sa Pag-ibig, walang pension. Its programs are: 1. savings program — lahat ng savings mo, ibabalik sa iyo plus dividends. Merong 6k na death benefit if death occurs during active membership. 2. housing loan program 3. short-term loan or multi-purpose loan or salary loan or calamity loan program. Dalawa ang savings program ng Pag-ibig: yong regular savings program ay makukuha mo lang upon retirement or after 240 contributions, yong MP2 ay makukuha mo after 5 years. Puede lang mag-MP2 kung meron kang regular Pag-ibig.

  2. Hi.gusto ko sanang malaman ng mas malalim pa ang comparison at benefits ng pag ibig at sss.may puede bang kumontak sa akin or may number bang puedeng tawagan para malaman ko ang mga sagot sa tanong ko baho ako mag open ng account? Salamat ng marami.

  3. Hi Ms. Nora, I’m confused about the difference between Modified Pag-ibig 2 and Pag-ibig 1? thanks.

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