The Philippine National Bank (PNB), through its Trust Banking Group, has expanded its Personal Equity and Retirement Account, or PERA, product range with two new offerings: the PNB PERA Money Market Fund and the PNB PERA High Dividend Fund. These join the existing PNB PERA Bond Fund to give investors a complete lineup covering different needs—from preserving capital and earning steady income to growing savings over the long term—so they can build retirement plans that match their risk appetite and where they are in life.
For corporations and institutional partners, this expanded PERA range means more flexible, reliable options when helping employees plan for retirement, strengthening benefits packages while supporting broader financial security goals. PERA also carries meaningful advantages for individual investors: it serves as a dedicated, tax-advantaged way to build long-term savings, now with more choices to suit different strategies and easier access through both traditional and digital channels.
“Retirement planning is one of the most important financial decisions a person can make, yet many Filipinos have yet to begin preparing for their retirement years,” said Joy Jasmin R. Santos, Senior Vice President, PNB Trust Banking Group Head and Chief Trust Officer. “By introducing these new PERA funds, we hope to give more Filipinos practical and accessible ways to start building their retirement savings while benefiting from a professionally managed investment program.”
PNB has also broadened how investors can access these accounts, partnering with DragonFi and Luna Securities alongside its existing collaboration with ATRAM. This mix brings together PNB’s investment expertise with the wider reach and digital capabilities of its partners, making it simpler to start investing whether clients prefer in-branch service or online platforms.
“Many Filipinos recognize the importance of preparing for retirement, but getting started is often the biggest challenge,” said Dennis Anthony L. Elayda, Senior Vice President and Head of Investments for PNB Trust Banking Group. “Our goal is to make retirement investing more accessible by meeting investors where they are, whether through digital platforms or traditional channels, and giving them convenient ways to begin building their future.”
As more Filipinos seek secure ways to strengthen their long-term finances, PNB continues to focus on accessible investment choices, professional management, and practical solutions that help more people get ready for retirement.
