Finance Secretary Ralph G. Recto officially launched the 31st tranche of the Retail Treasury Bonds (RTB), underscoring the delivery of President Ferdinand Marcos, Jr.’s promise to make savings and investments accessible to every Filipino.
“Ito ay katuparan ng pangako ng administrasyon ni Pangulong Bongbong Marcos, Jr. na gawing abot-kamay para sa bawat Pilipino ang pagkakataong makaipon at mamuhunan para sa sariling kinabukasan, habang tumutulong sa pag-unlad ng bayan,” he said in his message during the launch held on August 5, 2025 at the Bureau of the Treasury (BTr).
The RTB 31 is a 5-year tenor investment with a gross interest rate of 6.000% per annum, payable every quarter until its maturity on August 20, 2030. The public offering will run from August 5, 2025 to August 15, 2025.
With a minimum investment of just PHP 5,000, RTBs are accessible and virtually risk-free investment instruments that are guaranteed by the entire financial capacity of the Philippine government.
All Filipinos, both here and abroad, can easily avail themselves of RTBs to help improve their lives and support public priority programs and projects to achieve inclusive growth.
To reach more Filipinos, RTBs are now available over the counter, through online banking, and most recently on GBonds via GCash, which makes investing as simple as buying a load.
In partnership with the Philippine Digital Asset Exchange (PDAX) and Bonds.ph, GBonds allows fully verified users to invest in government bonds for as low as PHP 500—no bank account needed.
This new channel reflects the government and private partners’ accelerated push for financial inclusion, bringing investment opportunities to millions of unbanked and underserved Filipinos.
“[W]e are aggressively making our RTBs available and accessible to everyone—gaya ng mga estudyante, OFWs, sari-sari store owners, farmers, and young professionals. Anyone who wants their money to work as hard as they do,” Secretary Recto said.
He likewise assured Filipinos that every peso invested in RTBs is part of the Philippines’ growth story.
“Ito lang ang investment na doble doble ang balik sayo. Dahil bawat RTB na nabibili ay bumabalik hindi lamang bilang interest, kundi bilang mga imprastraktura, estudyanteng libreng nakakapag-aral, at bawat pamilyang naiaahon natin sa kahirapan,” he said.
He reaffirmed the Department of Finance’s (DOF) unwavering commitment to protect every Filipino’s investment through sound fiscal management.
“For we treat it as a sacred bond between the government and Filipino citizens. Between your hard-earned money and our promise to use it wisely, transparently, and purposefully with the future of the next generation in mind,” he said.
The offer also came in time with the enactment of the Capital Market Efficiency Promotion Act (CMEPA), which lowered the cost of investing and empowered Filipinos to grow their wealth in the capital markets.
“Panahon na para ang capital market ay hindi na lang para sa mayayaman o sa mga eksperto sa finance. Ito ay para sa bawat Pilipinong nangangarap ng financial security,” Secretary Recto said.
Present during the launch were DOF Undersecretary Domini Velasquez, National Treasurer Sharon Almanza, Gcash Mynt President and CEO Martha Sazon, PDAX CEO Nichel Gaba, Landbank of the Philippines (LANDBANK) PCEO Lynette Ortiz, and Development Bank of the Philippines (DBP) PCEO Michael De Jesus.
