More choice. Lower costs. Full visibility — designed to make saving simple, transparent, and accessible. Stocks, funds, and fixed income investments at your fingertips. Transparent pricing designed to keep your costs competitive. See every peso you save in real time, always updated. No hidden charges, percentage-based admin fees, or high maintaining balances required. 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. 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 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 You can now invest in financial tools like fixed income or UITF’s at lower costs. PERA Investments have high growth potential. At the very least, it will earn more than leaving savings in a piggy bank. 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 like Luna 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:

*for only 500 pesos Making ERA Easy We built LUNA PERA with a Filipino-First mindset, designed for your financial success. No Administrator Here at LUNA , we are dedicated to giving you the best care with the best rates. Commission Rate Digital Compliance Our technology allows you to enjoy all the benefits of PERA without the hassle of compliance. We're here to help you throughout your entire career, not just upon sign ups. This is the LUNA Guarantee . Experts & Partners No Hidden Costs. No Extra Charges. More Savings for You. Flat Admin Fee per year Why? So that we don't take more from you as your PERA grows (go to PERA Support page for full breakdown) 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. Disclaimer: LUNA PERA Advisers are not authorized to offer specific buy or sell recommendations for individual securities. Project how much your PERA contributions could grow by retirement. Click here to see example. Member of the Philippine Stock Exchange © 2022 All rights reserved. Unit 601 Emerald Mansion, F Ortigas Jr. Rd., Ortigas Center, Pasig City, 1605 Get the latest updates, reports, and more by joining our newsletter!