MANILA, Philippines – If you’re looking for a New Year’s resolution that will still matter when the year’s excitement fades, retirement is a good place to start, even if it feels a little premature this early in January. More specifically, PERA is one tool worth looking at.

PERA, or the Personal Equity and Retirement Account, is designed to help you build a steady retirement investing habit, with tax perks that ordinary investing doesn’t offer. It isn’t a new type of fund in itself, bu