If you’re a Pag-IBIG member or an MP2 investor, you know one of the most exciting parts of the year is the announcement of the annual dividend rate. It tells you how much your savings could grow — and helps you plan contributions for the year ahead. While Pag-IBIG hasn’t officially announced the 2025 dividend rate (to be credited in 2026) yet, we can look at trends and factors to get a good idea of what to expect.

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What Is the Pag-IBIG Dividend Rate?

The dividend rate is the interest Pag-IBIG credits to your savings. It’s calculated annually based on the Fund’s net income and is applied to your balance in:

• Regular Pag-IBIG Savings – mandatory contributions
• MP2 Savings – voluntary, higher-yield program

For MP2, dividends are often higher because the program invests in higher-yield instruments, giving members the chance to earn more than the regular savings plan.

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Latest Official Dividend Rates (2024)

The most recent officially announced dividends were for 2024, credited in 2025:

Savings Type	Dividend Rate (per annum)
Regular Savings	6.60%
MP2 Savings	7.10%

These were slightly higher than the previous year, reflecting Pag-IBIG’s strong financial performance.

More about the 2024 Dividend rates here: 2024 Pag-IBIG Dividend Rates for MP2 and Regular Savings

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How Pag-IBIG Calculates Dividend Rates

Pag-IBIG’s dividend is not fixed — it depends on the Fund’s annual earnings. By law, at least 70% of the Fund’s net income is distributed to members as dividends. This is why some years see higher rates and some years slightly lower.

The remaining portion is reinvested to maintain Pag-IBIG’s stability and ensure future growth.

For more details, check the Pag-IBIG MP2 terms here: Pag-IBIG MP2 Terms & Conditions

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Historical Dividend Trends

Looking at the past few years gives us an idea of the Fund’s performance trajectory:

Year	Regular Savings	MP2 Savings
2020	5.50%	6.00%
2021	5.90%	6.50%
2022	6.00%	6.50%
2023	6.10%	6.80%
2024	6.60%	7.10%

As you can see, the trend is generally upward — a good sign for members who plan long-term savings in MP2.

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What Could Influence the 2025/2026 Dividend Rate?

While nothing is official yet, here are factors that typically affect the upcoming dividend rate:

• Pag-IBIG Fund Income – Higher revenue from investments can lead to higher dividends.
• Economic Conditions – Inflation, interest rates, and market performance play a role.
• Investment Portfolio Performance – Returns on Pag-IBIG’s bonds, stocks, and other instruments impact overall profitability.

Based on past trends, many members expect MP2 dividends to stay around 7% or slightly higher, but we won’t know the exact number until the official announcement.

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When Will the New Dividend Rate Be Announced?

Pag-IBIG usually announces the dividend rate for the previous year between February and March. So, for 2025 dividends credited in 2026, expect the official number to come early 2026.

Keep an eye on the Pag-IBIG official website or their social media channels to get the exact figure once it’s released.

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Planning Your MP2 Contributions

Even without the official 2025/2026 dividend rate, you can still:

• Continue your regular MP2 contributions to maximize compounding.
• Consider a laddered MP2 strategy, where you invest in multiple tranches to have savings maturing every year. This ensures some cash-out flexibility while still enjoying good returns.
• Monitor the dividend announcement and adjust contributions if the new rate is significantly higher or lower than expected.

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Blogger’s Corner

The upcoming dividend rate is always a hot topic among Pag-IBIG members. Whether you’re a long-term MP2 investor or just starting, understanding the trends and factors can help you plan smarter. Remember: dividends are part of your wealth-building journey — they may not be huge, but they add up significantly over time.