GCash makes fixed income, dividend-paying government bonds with zero default risk more accessible in-app to help Filipinos keep up with inflation.
As inflation continues to impact household budgets and market volatility persists, more Filipinos are seeking investment options that can help preserve and grow their hard-earned money. Government bonds, long considered among the safest investment instruments available with zero default risk, are drawing more attention with yields in the secondary market reaching as high as 7%¹.
Traditionally, investing in government securities such as Retail Treasury Bonds (RTBs) and Treasury Bills (T-Bills) required going through banks or brokerages, often involving paperwork and processes that could be intimidating for first-time investors. These barriers have historically limited participation, particularly among small savers looking for secure investment opportunities.
Through GBonds, a feature available within the GCash app, powered by Philippine Digital Asset Exchange (PDAX), Inc. and Bonds.ph, Filipinos can access government securities directly from their smartphones. By providing a fully digital experience, GBonds helps make government bond investing more accessible to everyday users who may not have previously considered investing in these instruments.
The growing preference for government bonds comes as many Filipinos look for ways to make their money work harder amid rising prices. With yields in the secondary market reaching up to 7%, government bonds offer an opportunity to potentially outpace inflation. Users may also benefit from the security associated with government-backed investments, which have zero default risk and regular, predictable returns.
"More Filipinos today are looking for ways to protect and grow their hard-earned money. Through GBonds, we’re making government securities more accessible, helping more Filipinos to participate in investment opportunities that were traditionally harder to access," said Winsley Bangit, Group Head of New Businesses at Mynt, the parent company of GCash.
Beyond primary issuances, GBonds also enables users to purchase RTBs and T-Bills in the secondary market, providing year-round access to government securities. This allows investors to explore opportunities even after official offering periods have ended.
As digital financial services continue to evolve, platforms such as GBonds are helping broaden participation in investing by lowering barriers to entry and simplifying access to financial products. By making government securities more accessible, digital platforms can help more Filipinos strengthen their financial resilience.
For more information, please visit www.gcash.com.