Your 2025 Wishlist:
Turn Financial Dreams into Reality with Smarter Money Moves
In a world still shaped by economic uncertainty and rising living costs, financial security has become more than just a long-term goal. It’s a daily concern for many Filipinos.
According to a recent study, 58% of Filipinos ranked financial stability as their most important goal, followed closely by 56% who aspire to start their own business. This trend reflects a broader sentiment shaped by economic uncertainties, inflationary pressures, and job market challenges that have pushed many families to reconsider how they manage their finances.
Compounding this issue is the growing cost of healthcare and limited access to comprehensive insurance. While 60% of respondents in the study reported having some form of health plan, only 65% said they felt prepared for medical emergencies. This drops to just 21% among those without a healthcare plan, highlighting the significant gap in financial readiness for unexpected events.
Despite these challenges, many Filipinos are finding new ways to take control of their financial future—starting with small, consistent steps. The key lies in having access to solutions that are flexible, accessible, and built for real-life situations. Whether it’s saving gradually through manageable contributions or securing protection through affordable insurance, it’s possible to break the cycle of uncertainty and build a foundation that supports both everyday needs and long-term aspirations.
Introducing the KayaMo Saver’s Plan by HC Mutual
HC Mutual addresses these real-world challenges through the KayaMo Saver’s Plan, which is a flexible savings solution designed for every Filipino who wants to take charge of their future. More than just a savings plan, it’s a way to build financial security while enjoying meaningful protection.
Protection that matters
What sets KayaMo Saver’s Plan apart is the FREE 1-year Accidental-Life Insurance coverage worth Php 100,000 included with every plan. This benefit gives you peace of mind, knowing that in the event of an accident, your loved ones have a safety net — at no extra cost.
Start small, dream big
With KayaMo Saver’s Plan, you can begin saving for as low as Php 101 per payday. Whether you’re employed, self-employed, or part of the gig economy, the plan offers flexible payment terms of 3, 5, or 7 years to suit your financial capacity. And because it earns 3% interest annually, your savings don’t just sit idle — they grow steadily over time.
Saving made simple
One of KayaMo savings plans’ key features is convenience. You can save automatically through payroll deduction, automatic debit arrangement, or by paying at any USSC branch nationwide.
Best of all, one of the greatest benefits is the set-it-and-forget-it approach: your payments are automatically debited, so you don’t have to worry about remembering deadlines. This hassle-free, automated system helps ensure consistent saving, without adding stress to your daily life.
Extend the benefit to your family
Through the KayaMo Family Saver’s Plan, you can also offer the same full-member benefits to your loved ones. It’s a way to share security with the people who matter most to you, reinforcing the plan’s commitment to inclusive financial wellness.
- Start saving for as low as PHP 101 per payday.
- Flexible savings plan of 3, 5, or 7 years.
- 3% earnings from your savings per annum.
Take it to the next level with the 5ave Up! Plan
For those ready to elevate their savings journey, HC Mutual’s 5ave Up! Plan offers an upgrade with exciting new benefits. This plan allows you to start saving for as low as ₱1,212 per payday and enjoy a higher 5% annual interest after five years. The 5ave Up! Plan also comes with a FREE enrollment fee for existing KayaMo Saver’s Plan holders, giving you even more value for your membership.
As a 5ave Up! Plan holder, you can also continue to enjoy automatic savings through payroll deductions, ADA, or payments via USSC branch nationwide. With the higher returns and exclusive benefits, including the ability to save towards even bigger financial goals, this plan helps turn your dreams into reality faster.
A smart step toward stability
At a time when many Filipinos are looking for practical, reliable ways to achieve their dreams and secure their future, the KayaMo Saver’s Plan rises to the challenge. More than just a savings product, it’s a smart and empowering solution designed to build financial confidence, reduce everyday money stress, and help turn personal goals and wish lists into reality.
This 2025, kaya mo talaga with HC Mutual.
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