Maximizing Your Future: A Guide to SSS WISP Plus Investment

Last updated on February 16th, 2024 at 11:04 pm

3 minutes read

If you’re thinking about making wise investment choices, consider SSS WISP Plus. This program comes with numerous advantages, including guaranteed returns and low risk. Let’s take a closer look at what this investment has to offer.


SSS WISP Plus is a retirement savings program provided by the Social Security System (SSS) in the Philippines. Its primary goal is to help individuals grow their retirement nest egg in a safe and low-risk environment. One of its standout features is the promise of guaranteed returns.

Furthermore, it comes with the added perk of being free from income tax or capital gains tax liability. In simpler terms, any profits you make from this investments remain completely tax-free. Plus, you can start investing with as little as P500 (approximately $10 US dollars).

The Benefits of Investing in SSS WISP Plus

According to SSS Chief Michael G. Regino, WISP Plus offers an additional layer of financial security for retirees who already receive benefits from the regular SSS program. This added layer ensures retirees have sufficient financial support to cover their expenses during retirement.


Before applying for this Investment, keep these key requirements in mind:

  • You must already be an SSS member.
  • You should not have filed any final benefit claims, such as retirement or total disability benefits.
  • Ensure you have at least one posted contribution.
  • The minimum contribution for WISP Plus is Php500 per transaction.

How to Open an SSS WISP Plus Investment Account

To enroll in WISP Plus, ensure you are an SSS member and have an online SSS account. Follow these steps:

  1. Log in to your SSS online account at or use the My.SSS portal. Click on “Services” and select “Enroll to WISP Plus.” Read and agree to the terms and conditions.

2. Generate PRN, choose the amount, and make a payment:

  • Go to the “Payment Reference Number” tab.
  • Click on “Contributions.”
  • Select “Generate PRN.”
  • Click the “Generate PRN” icon.
  • Choose “WISP plus only.”
  • Enter the desired amount.
  • Submit your request.

You can pay the generated PRN at SSS offices, payment centers, accredited banks, GCash, PayMaya, and more.

How to Pay SSS WISP Plus via GCash App

Here’s a simple guide on how to make payments using the GCash App:

  1. Log in to the GCash app. Tap on “Bills” and search for “SSS.” Select “SSS CONTRIBUTION.”

2. Enter the payment amount. Provide the PRN (Payment Reference Number), select the Payor Type, and enter your Email Address. Finally, click the “Confirm” button. Please note that there’s a P15 charge for the transaction.

You will receive an SMS from SSS confirming the posting of your contribution.

By making the right investments, you can take control of your financial future. SSS WISP Plus offers a fantastic opportunity to make intelligent investments while keeping risks at bay. From the guaranteed returns to the flexible investment options, SSS WISP Plus is a solid choice for those looking to make sound financial investments today.

For more in-depth information, please visit the LAWS & CIRCULARS section of the SSS website (, check out SSS social media pages, or visit your nearest SSS branch.

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Lorence Laudenio

Lorence is an IT grad who loves to travel. He shares tech updates, trends, and his travel journey, aiming to inspire others by blending his passions.

4 thoughts on “Maximizing Your Future: A Guide to SSS WISP Plus Investment

  • Jubef Meh

    Is it okay if you invest any amount? As an example, I will set aside Php500 for this month and Php1,000 for the following month. 

    • Kim B

      Is the initially generated PRN will be the only PRN that will be used in the future transactions? Or you need to generate new PRN every time you will make a deposit?

      • Yes! The SSS PRN is a unique number you will use to pay and presented/encode in the SSS Payment Partners (like Bayad Center, Gcash and Paymaya). You will need to generate a new PRN every time you pay monthly.


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