How to Invest in Pag-IBIG MP2 : A Beginner’s Guide for Filipinos.

Lots of people are asking if how they invest their hard earned money in Pag-IBIG MP2.

In this article. I’ll teach you how to invest in Pag-IBIG MP2, one of the most popular government-backed savings programs in the Philippines.

Over the past years, MP2 is one of the most talked-about investment and savings option in the Philippines.

What is PAG-IBIG MP2?

MP2 stands for : Modified Pag-Ibig II Savings Program. Unlike a regular savings account, MP2 allows your money to earn dividends over a five-year period.

It’s a voluntary savings program for members who want to grow their savings beyond their regular Pag-IBIG contributions.

Who can invest in MP2?

You may be qualified if you are :

• An active Pag-IBIG member.
• A former Pag-IBIG member with sufficient contributions.
• A retiree or pensioner who previously contributed to Pag-IBIG.
• A Filipino who has reacquired Philippine citizenship and meets contribution requirements.

STEP 1 : Open a Pag-IBIG MP2 Account.

Before opening an MP2 account, make sure you have an active Pag-IBIG membership. If you’re not yet registered, you can first apply as a Pag-IBIG member through their online registration system.

You can enroll in MP2 through :

• Virtual Pag-IBIG [here]
• Pag-IBIG branch office

During your enrollment, you need to provide your membership informations and choose your dividend payout preference.

STEP 2 : MP2 account number.

After successful enrollment, you’ll receive an MP2 account number. You need to keep this number safe because you’ll need it when making future contributions.

STEP 3 : Start investing.

Once your MP2 account number is active, you can immediately start to save.

You can :

• Deposit ₱500 or more
• Contribute monthly
• Deposit quarterly
• Make lump-sum investments

Unlike other savings, MP2 doesn’t require a fixed monthly contribution schedule. You can deposit or contribute if you have extra funds or budget.

You may fund your MP2 account via :

• Virtual Pag-IBIG
• GCash
• Maya
• Bayad Center
• SM Business Centers
• M. Lhuillier
• Other accredited payment partners

How long is your money locked in?

Pag-ibig MP2 has a five years maturity period. This means your money is generally intended to stay invested for 5 years before you can withdraw.