Filipinos are not ready for Retirement.
We're changing that.
The average Filipino's money runs out just three years after retirement. All that hard work for 3 years? That's not fair, right? So we built LUNA PERA to fix that.
LUNA PERA
Grow wealth. Keep more. Live better.
What is PERA?
PERA or Personal Equity and Retirement Account, is a personal retirement savings program designed to help Filipinos have more savings upon retirement. It's a personal wealth vault created by law (RA 9505).
Think of it like a special retirement account where you regularly put money in. Instead of just sitting there, that money gets invested to grow bigger over time. The best part? Everything you deposit and all the money it earns is 100% tax-free. It also goes with you wherever you go, so your retirement is not tied down to your employer.
Tax Benefits
5% Tax Credit
Account holders receive a tax credit of 5% based on their contributions for the calendar year. This is essentially a 5% off coupon on your income tax every year.
Tax Free Earnings
All PERA investment profits are tax free
Portability
Personally Owned
Your retirement belongs to you now, wherever your career takes you.
Personally Managed
You control your growth. You’re retirement can go as high as you take it, no longer depending on your employer.
Growth Potential
Low Cost
You can now invest in financial tools like fixed income or UITF’s at lower costs.
High Growth
PERA Investments have high growth potential. At the very least, it will earn more than leaving savings in a piggy bank.
How does PERA work?
Any Filipino citizen or local resident aged 18 and above can open a PERA account! As long as you have a TIN and a bank account, you're good to go!
Create an account with an accredited PERA administrator likeLuna PERA
Contribute, claim your tax credit & Invest yearly.
Contributions can come from both you and your employer.
Upon reaching 55 years old & contributing for at least 5 years, you can withdraw without penalty
The LUNA PERA Advantage
Discover how LUNA PERA transforms your retirement journey
Making PERA Easy
We built LUNA PERA with a Filipino-First mindset, designed for your financial success.
2 Minute
Registration
Designed
for Filipinos
No Administrator
Deposit Fees
Lowest Fees
Here at LUNA, we are dedicated to giving you the best care with the best rates.
500
Maintaining
Balance
224
Administrator
Fee + VAT
.20%
Discounted
Commission Rate
Digital Compliance
Our technology allows you to enjoy all the benefits of PERA without the hassle of compliance.
24/7 access
to all records
Automated Tax
Accreditation
US Standard
Security
Guided Growth
We're here to help you throughout your entire career, not just upon sign ups. This is the LUNA Guarantee.
Workshops with
Experts & Partners
Webinars with
the Luna Team
Regular
Circulars
Member of the Philippine Stock Exchange
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Unit 601 Emerald Mansion, F Ortigas Jr. Rd., Ortigas Center, Pasig City, 1605