Compare voluntary savings programmes and government securities
Pag-IBIG MP2 is a voluntary savings programme for eligible members whose dividends are declared annually; it should not be described as a fixed guaranteed interest rate. Retail Treasury Bonds and Treasury bills are Philippine government debt securities whose coupon, maturity, yield and availability depend on the specific issue.
Products and programmes to explore
Use these official links to confirm product eligibility, current terms and application details. GovtSave does not publish a single rate where the official product or account framework does not have one.
Pag-IBIG MP2 Savings
Voluntary savings programme
A voluntary savings programme for eligible Pag-IBIG Fund members. Dividends are declared annually and are not a fixed guaranteed rate.
Retail Treasury Bonds (RTBs)
Retail government bonds
Philippine government debt securities offered during issuance periods. Coupon, maturity and subscription terms vary by issue.
Treasury Bills
Short-term government securities
Short-term Philippine government securities. Yields, auction schedules and availability depend on official issue terms.
What to verify before comparing
Check whether an advertised rate is a declared dividend, coupon or auction yield. Verify membership eligibility, holding period, payout options, issue dates and redemption terms on the responsible official agency's website.
- Confirm whether an advertised figure is an interest rate, yield, coupon, prize-fund rate or an annually declared dividend.
- Check current eligibility, fees, contribution or purchase limits, access rules, tax treatment and maturity conditions with the responsible official agency.
- Use the date and terms of the specific issue or product, rather than relying on an old rate quoted elsewhere.
Frequently asked questions about Philippines savings
Does Pag-IBIG MP2 have one guaranteed fixed rate?
No. MP2 dividends are declared for each year and should not be presented as a permanently fixed or guaranteed rate.
Are all Retail Treasury Bond issues identical?
No. Coupon, maturity and offer terms vary by issue. Read the official offer details for the specific bond.
Where can I confirm Philippine savings terms?
Use Pag-IBIG Fund and Bureau of the Treasury official information linked above.
GovtSave is an independent educational resource, not a government agency, bank or financial adviser. This page provides general information, not personal financial, tax or legal advice. Rates, terms and eligibility can change; use the linked official sources before making a decision.