FAQs - MP2 (2024)

FAQs

What will happen to MP2 after 5 years? ›

Once your MP2 Savings reaches its 5-year maturity, you may re-apply for a new Pag-IBIG MP2 Savings Account. Members may claim their MP2 Savings anytime upon its maturity. If unclaimed, your MP2 Savings shall continue to earn dividends based on the regular Pag-IBIG Savings Program's (P1) rates for two more years.

There is no limit. You can save as much as you want under MP2. However, should you make a one time savings that exceeds P500,000.00, you shall be required to make such remittance via personal or Manager's Check.

Pre-termination or withdrawal of MP2 savings prior to maturity shall be allowed under any of the following circ*mstances, as applicable: 8.1 Total disability or insanity; 8.2 Separation from service by reason of health; 8.3 Death of the member or any of his/her immediate family member; 8.4 Retirement; 8.5 Permanent ...

Your MP2 Savings shall earn dividends at a higher rate than that of the regular Pag-IBIG Savings Program. The dividends you shall earn are tax-free. Your dividends are derived from no less than 70% of the Pag-IBIG Fund's annual net income. Our 3-year average MP2 Dividend Rate is at 6.96%.

It can happen—MP2 Program not giving dividends for a year. Again, there is no guarantee that you will receive higher or lower dividends. It all depends on the profit generated by PAG-IBIG for the year. If there are losses, the best value you can get is the original amount of your accumulated investment.

Can Pag-IBIG MP2 be a good source of passive income? Definitely! There's really nothing to lose if you invest some money here, it's also a good and safe investment option if you simply want to diversify. It's less restrictive than other investments aside from its 5-year lock-in period, and its returns are promising.

Log in to Pag-IBIG Fund website at www.pagibigfund.gov.ph and select “e-services”. Select “Online Payment Facilities” under OTHER SERVICES and provide the following payment details: Program Type (i.e, MS, MP2, Housing Loan, STL) Membership Category (i.e., local or overseas)

Møller-Plesset Perturbation Theory [128] is a widely used method for approximating the correlation energy of molecules. In particular, second order Møller-Plesset perturbation theory (MP2) is one of the simplest and most useful levels of theory beyond the Hartree-Fock approximation.

MP2 allows you to withdraw your dividends each year or to add them to your savings account to earn compounded interest. If you choose to withdraw it directly to your bank account, you can use the money to fund essentials or emergencies.

What are the advantages and disadvantages of investing into managed funds? ›

Some of the advantages of this kind of investment include advanced portfolio management, dividend reinvestment, risk reduction, convenience, and fair pricing. Disadvantages include high expense ratios and sales charges, management abuses, tax inefficiency, and poor trade execution.

Sure, investing in the MP2 program is affordable. You can remit a fixed amount monthly or a lump sum once a year as long as the total averages at least P500 per month.

SSS PESO Fund vs MP2 Interest Rates

From 2010 to 2021, the yearly dividend rate of the MP2 has ranged from 4.58% to 8.11% and followed an upward trend. Its annual dividend rate over 11 years averages at around 6%, which is way higher than the average time deposit rate of 4% in the Philippines.

While it has slightly declined throughout the years — with 6.12% in 2020 and 6.00% in 2021 — investing under the MP2 program is still worth a shot as the dividend earnings are tax-free.

Yes! Save more and earn higher dividends with your Pag-IBIG Regular Savings by increasing your monthly savings. The more you save, the higher dividends you get! If you are employed, top-up or add to your monthly membership savings through your employer by submitting the “Request for Upgrading of Savings” form.

Minimum Contribution for MP2

The minimum contribution is five hundred (PhP 500.00) per month but the member may remit higher than the said amount. Payments shall be recorded as payment date. The member can invest in the MP2 Program for a term of five (5) years.

Posting for MP2 transactions may take about 2-3 business days. Kindly allow 5-15 business days from the posting date for the reflection to your account. Pay for your MP2 using Moneygment.

With a minimum deposit of PHP 500, you can enjoy a higher dividend rate and quickly boost your savings in five years. There is also no limit on how much you can deposit and how many MP2 Savings accounts you can open.

Moreover, you can also pay MP2 via GCash *137#.

According to Pag-IBIG's FAQ, you are allowed to open and maintain multiple MP2 Savings Accounts.

How is MP2 dividend calculated? ›

To calculate your MP2 dividend, multiply the dividend rate for the appropriate year by your average monthly balance. Calculating the MP2 dividend is not as simple as it looks, though. Before proceeding with the computation, it's essential to understand first what the dividend rate and the average monthly balance mean.

In contrast to DFT, the MP2 method is free from the spurious self-interaction of electrons and naturally takes dispersion into account. However, the MP2 dispersion may exhibit a deficiency when the interaction between fragments of a molecular system is calculated.

MP2: The Møller-Plesset expansion is truncated at second-order [Frisch90b, Frisch90c, Head-Gordon88a, Saebo89, Head-Gordon94]. MP3: Third-order MP theory correction [Pople76, Pople77].

Perturbation techniques are a class of analytical methods for determining approximate solutions of nonlinear equations for which exact solutions cannot be obtained. They are useful for demonstrating, predicting, and describing phenomena in vibrating systems that are caused by nonlinear effects.

MP2 dividends may be paid out every year or at the conclusion of the five-year period, according to your preference. Mode of Payment. Pag-MP2 IBIG's payments may be paid either via salary deduction, at any Pag-IBIG branch, or through any Pag-IBIG Fund-accredited collection partners. Source of Funds.

The main disadvantage to investing in managed funds is that there are often below average returns which are amplified because of fees. Investors should be aware that many funds perform so poorly over a long period of time that their yields are below the long term rate of inflation.

While investing in managed funds provides access to different asset classes and industry sectors, there is always a risk that the managed fund investments may underperform or decline in value.

Managed funds do not generally pay tax because their income (including net capital gains) is distributed to investors annually. Investors pay tax on distributions at individual marginal tax rates.

Can I withdraw my Pag-IBIG contribution after 5 years? ›

The Pag-IBIG Regular Savings is a secure and convenient savings facility that gives you high annual dividend earnings to help secure your future. This is because you can eventually withdraw your savings after membership maturity of 20 years, retirement and other grounds.

According to Standard and Poor's, the average annualized return of the S&P index, which later became the S&P 500, from 1926 to 2020 was 10%.  At 10%, you could double your initial investment every seven years (72 divided by 10).

If an investor invested Rs. 10,000 as SIP for a decade, the total return would be Rs. 21.66 lacs. This mutual fund has provided around 25.5% annual return in the past two years, and its absolute return has been 57.6%.

If you are actually looking at equity funds to help you achieve your long term goals then you at least need to give yourself a holding period of 8-10 years. For debt funds, the outlook on rates should be your key driver for holding period.. Unlike equity funds, the debt funds do not really depend on long term holding.

Here is a list of equity mutual funds which delivered over 50% returns in the last year. Your investment decision should not get influenced by these returns as there is no guarantee of repetition of past performance. Also, sectoral schemes are high risk investment.

1) Axis Bluechip Fund Direct-Growth.

What Is a Good 10-Year Return on a Mutual Fund? The best-performing large-company stock mutual funds have produced returns of up to 17% in the last 10 years. It should be noted that average annualized returns have been higher than usual — at 14.70% during this time frame — driven by a multi-year bull market.

Log in to Pag-IBIG Fund website at www.pagibigfund.gov.ph and select “e-services”. Select “Online Payment Facilities” under OTHER SERVICES and provide the following payment details: Program Type (i.e, MS, MP2, Housing Loan, STL) Membership Category (i.e., local or overseas)

How can I double my money fast? ›

If the criminal contempt involves disrespect toward or criticism of a judge, that judge is disqualified from presiding at the contempt trial or hearing unless the defendant consents. Upon a finding or verdict of guilty, the court must impose the punishment.

If you're playing sectors, and pick the right one, it can take nine years to hit a million bucks. What about holding the S&P 500? It'll get you to a million, but you'll need to be patient. If you're a typical buy-and-hold S&P 500 investor, it's been a nearly 12 year wait to get there.