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PERA is a retirement savings account created by Philippine law (RA 9505) to give ordinary Filipinos a real tax advantage when they save for retirement. ezPERA makes opening and managing your PERA account as simple as it should be.
Free until December 31, 2027. No ezPERA administration fee for a limited time. Join the waitlist now.
PERA stands for Personal Equity and Retirement Account, a voluntary retirement account created under Republic Act 9505. Your money grows free of income tax, and you get a 5% tax credit on what you put in. Any Filipino with a TIN can open one, whether employed, self employed or working abroad.
PERA is established under Republic Act 9505 and governed by the BSP, SEC, and BIR. Your account is held by an accredited custodian bank and administered by ezPERA by Zalamea, an SEC and BIR accredited PERA administrator. PERA is not a deposit and is not guaranteed by the government. Your returns depend on the funds you choose.
You choose where to invest within your PERA, from equity funds to money market funds. You can adjust your allocation as your goals change over time.
PERA is a retirement account, so withdrawals are typically available at age 55 with at least 5 years of participation. Early withdrawals may be subject to taxes and penalties.
PERA comes with real, concrete tax advantages built directly into the law.
Dividends, interest, and capital gains earned inside your PERA are not subject to income tax. Everything stays in your account and compounds over time.
For every peso you contribute from your own pocket, you get a 5% tax credit directly against your income tax due. That is a peso-for-peso reduction in the tax you owe.
You can contribute up to ₱200,000 to your PERA each year. OFWs may contribute up to ₱400,000 annually under applicable PERA rules.
For educational purposes only. Actual tax treatment depends on individual circumstances and compliance with PERA rules and BIR regulations. Please consult a tax professional for advice specific to your situation.
Four parties, each with one clear job. Your money never passes through us.
You decide how much to put in, when, and which funds to use. You can change your funds as your goals change.
We look after your account on your behalf, much like a trustee, without being your trustee. We open and keep your account, record every contribution, report to the BIR, and give you what you need to claim your 5% tax credit.
An accredited bank keeps your cash and investments in your name, separate from ours. We never hold your money.
Accredited banks and trust companies manage the equity, bond, balanced and money market funds you pick. Fund values go up and down.
We're opening ezPERA in phases. Leave your name and email and we'll invite you when accounts open. Free until December 31, 2027.
Enter your details, your TIN and a valid ID. No branch visit needed.
Answer a short questionnaire on your goals and comfort with risk, then choose from accredited funds.
Add any amount when it suits you, up to ₱200,000 a year. If your employer offers Corporate PERA, it can come straight from payroll.
Claim your 5% tax credit each year. Earnings grow tax-free, and from age 55 with 5 years of contributions you withdraw tax-free.
Fund types at launch: equity, bond, balanced and money market, from leading Philippine banks and trust companies. PERA is not a deposit and is not guaranteed by the government.
ezPERA is powered by E. M. Zalamea Actuarial Services, an actuarial and retirement consulting firm that has advised Philippine employers for 60 years. Today we also administer retirement plans for some of the biggest companies in the country, so looking after your PERA is what we already do every day.
Straight answers based on RA 9505 and the PERA IRR.
We're opening ezPERA in phases. Join the waitlist and we'll invite you as soon as accounts open. No ezPERA administration fee until December 31, 2027.
