When it comes to saving and investing, one of the most important questions to ask is whether an instrument is high risk, moderate risk, or low risk. In the Philippines, one of the most popular savings programs is the Pag-IBIG Modified Pag-IBIG 2 (MP2) Savings Program. This program is especially appealing to Filipinos who want their money to grow at a rate higher than traditional bank deposits but still want the security of government backing. However, before deciding to invest, it is natural to ask: Is MP2 high risk?

When it comes to financial security and savings in the Philippines, two of the most common programs that people often compare are the Social Security…

Because of its popularity—thanks to annual dividend rates often exceeding 6% to 8%, tax-free earnings, and government guarantee—many people who hear about MP2 want to invest right away. But the most important question is: Can you open MP2 without Pag-IBIG?

The Pag-IBIG MP2 Savings Program (Modified Pag-IBIG II) is one of the most popular voluntary savings schemes in the Philippines today. It is designed for members of the Home Development Mutual Fund (HDMF or Pag-IBIG Fund) who wish to grow their money in a safe, government-backed, and higher-yield investment program compared to regular Pag-IBIG I contributions. Since its launch, MP2 has attracted millions of Filipinos—both locally and abroad—because of its higher dividends, flexible terms, and tax-free earnings.