LUNA PERAis PERA for You
More choice. Lower costs. Full visibility — designed to make saving simple, transparent, and accessible.
More Options
Stocks, funds, and fixed income investments at your fingertips.
Lowest Rates
Transparent pricing designed to keep your costs competitive.
Live View
See every peso you save in real time, always updated.
No Barriers
No hidden charges, percentage-based admin fees, or high maintaining balances required.
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 
ERA Yours
Fully customize your retirement with LUNA PERA. We offer:
Stocks
Funds
Fixed Income
*for only 500 pesos
Making ERA 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
Our Fees
No Hidden Costs. No Extra Charges. More Savings for You.
Flat Admin Fee per year
200+ VATWhy? So that we don't take more from you as your PERA grows
Other Fees:
For Stocks:
(go to PERA Support page for full breakdown)
For Funds:
No LUNA PERA fees. All Fund fees will depend on the banks.
For Fixed Income:
(go to PERA Support page for full breakdown)
Choose Your PERA Specialist Adviser
With LUNA PERA, you get guidance from licensed PERA advisers at no extra cost. Our experts are here to help you maximize your retirement savings and navigate your investment journey with confidence.
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Unit 601 Emerald Mansion, F Ortigas Jr. Rd., Ortigas Center, Pasig City, 1605