Table of Contents
Correction: The earlier version misstated the 2025 MP2 rate as 7.03% and presented an unsupported ₱2 million account cap. It also included unsupported processing times, comparisons and forecasts. Those claims have been removed. This page now explains how to read the dividend announcement.
The declared MP2 dividend rate for earnings year 2025 was 7.12%. The announcement was made in 2026. These two years describe different things: when the money earned dividends and when the result was announced.
What the official announcement says
The Philippine Information Agency’s March 2, 2026 report identifies 7.12% for MP2 and 6.62% for Regular Savings, with ₱64.34 billion in total dividends for 2025. The record in that report refers to the total payout; it should not be used to claim that 7.12% is the highest MP2 rate ever.
Does this establish a return for money deposited in 2026?
No. A historical dividend announcement does not establish what a new contribution will earn in a different earnings year. This article makes no forecast for the 2026 dividend rate.
Before using any rate in a savings plan, label its earnings year, source and announcement date. Keep an announced historical rate separate from an assumed rate used in a calculation.
How to interpret a peso example
Multiplying ₱100,000 by 7.12% gives ₱7,120. That arithmetic does not establish your account’s entitlement: contribution timing, eligible balance and the program’s calculation rules matter. In particular, do not multiply a year-end balance by the full annual rate if contributions arrived at different times.
For a reproducible hypothetical model with contribution timing stated, use our five-year MP2 savings calculation. Its assumed rate is an illustration, not a prediction.
Before comparing MP2 with another product
- Use the same holding period and deposit schedule.
- Distinguish a past dividend from a currently quoted interest rate or bond yield.
- Check fees, taxes applicable to your circumstances, access to funds and currency conversion costs.
- Avoid ranking products by headline percentages alone.
Frequently asked questions
Is 7.12% the rate for 2025 or 2026?
It is the rate for earnings year 2025, announced in 2026.
Does the announcement establish a ₱2 million account cap?
No. The cited announcement is not evidence of such a cap. Check the official program terms and transaction requirements directly before making a large contribution.
Where can I find the broader program guide?
Read our MP2 savings guide. For application preparation, use our OFW application checklist and the official sources it links.
Educational information only, not personalized financial advice. Historical dividends do not guarantee future returns.
