If you’re planning to invest in Pag-IBIG—whether through Regular Savings, MP2, or Modified Regular Savings (MRS)—one of the first things you should look at is the dividend history. Pag-IBIG is unique because it consistently publishes its annual dividend rates, allowing investors to track performance year after year.
This guide gives you the full Pag-IBIG dividend rate history, including the newly released 2024 rates, plus an easy-to-understand breakdown of trends and what they mean for your savings.
What Are Pag-IBIG Dividends?
Pag-IBIG is a government-controlled mutual fund. It earns primarily from:
- Housing loans
- Short-term lending programs
- Investments
Under its charter, at least 70% of its annual net income must be returned to members as dividends. These dividends are automatically credited to your Pag-IBIG savings and grow your money year after year.
1. Pag-IBIG MP2 Dividend Rates (2010–2024)
MP2 is the most popular Pag-IBIG investment program because it usually yields higher rates than the Regular Savings program.
MP2 Dividend Rate History
| Year | MP2 Dividend Rate |
|---|---|
| 2024 | 7.10% |
| 2023 | 7.05% |
| 2022 | 7.03% |
| 2021 | 6.00% |
| 2020 | 6.12% |
| 2019 | 7.23% |
| 2018 | 7.41% |
| 2017 | 8.11% |
| 2016 | 7.43% |
| 2015 | 5.34% |
| 2014 | 4.69% |
| 2013 | 4.58% |
| 2012 | 4.67% |
| 2011 | 4.63% |
| 2010 | 5.50% |
Key Takeaways for MP2
- 2024 MP2 dividend increased slightly to 7.10%, reflecting improved profitability.
- MP2 consistently outperforms Regular Savings by about 0.4% to 1% on average.
- MP2 peaks were in 2017–2019, driven by strong housing loan revenues that year.
2. Pag-IBIG Regular Savings Dividend Rates (2010–2024)
Regular Savings (also called the Pag-IBIG Fund Mandatory Savings) is where your monthly contributions go.
Pag-IBIG Regular Savings Dividend Rate History
| Year | Regular Savings Dividend Rate |
|---|---|
| 2024 | 6.60% |
| 2023 | 6.55% |
| 2022 | 6.53% |
| 2021 | 5.50% |
| 2020 | 5.70% |
| 2019 | 6.73% |
| 2018 | 6.91% |
| 2017 | 7.61% |
| 2016 | 6.93% |
| 2015 | 4.84% |
| 2014 | 4.80% |
| 2013 | 4.59% |
| 2012 | 4.67% |
| 2011 | 4.63% |
| 2010 | 4.50% |
Key Takeaways for Regular Savings
- 2024 saw a modest improvement to 6.60%, higher than 2023.
- Rates are stable and historically stay above 4.5%.
- The best years were 2017–2019, before the pandemic.
3. Modified Regular Savings (MRS)
For context, MRS works similarly to Regular Savings but is usually used by members who continue contributing beyond employment or retirement.
Pag-IBIG states that MRS yields are aligned with Regular Savings and MP2. The 2024 published data follows this same trend, with MRS returns closely matching Regular Savings.
4. Dividend Trends Explained
Trend #1: Pag-IBIG continues to post strong returns despite economic volatility.
Even through the pandemic, Pag-IBIG maintained above-market rates compared to banks.
Trend #2: MP2 remains the top performer.
The 2024 MP2 rate of 7.10% again beats Regular Savings, as expected.
Trend #3: Dividend improvements reflect Pag-IBIG’s record net income.
Pag-IBIG reported record-high earnings in 2024, which directly boosted dividends.
5. Should You Invest in MP2 or Regular Savings?
Here’s a simple comparison:
| Feature | MP2 | Regular Savings |
|---|---|---|
| Typical Dividend | Higher (6%–8%) | Slightly lower |
| Lock-in | 5 years | None |
| Who Should Choose It | Investors looking for higher growth | Mandatory for employed members |
If you want better long-term growth and can commit for 5 years, MP2 remains the better option.
6. How Pag-IBIG Computes Dividends
Pag-IBIG follows Average Annual Accumulated Savings (AAAS), which means:
- The more consistently you save, the higher your earnings.
- Lump-sum deposits earn based on when during the year they were placed.
This is why regular contributions are still the most effective MP2 strategy.
7. Final Thoughts
Pag-IBIG’s dividend history shows strong consistency, even during difficult years like 2020–2021. The newly released 2024 dividend rate of 7.10% for MP2 and 6.60% for Regular Savings confirms that Pag-IBIG remains one of the most reliable, safest, and highest-yielding government-backed savings programs in the Philippines.
If you want predictable growth without stock market risk, Pag-IBIG—especially MP2—continues to be a solid choice.