So I've decided to join the MP2 gravy train and plan to create an MP2 ladder for five years, doing a one time saving of 120k every start of the year, choosing the compounded savings option.

Would there be a difference if I do the one time payment on January 2020 versus April 2020? How would this affect the computation of the dividend, since I read here that they only announce the dividend rate on the following year's quarter 2.

Also, if they only announce the dividend rate on the following year's quarter 2, when will be the payout if I start on January 2020 (maturing on January 2025) versus April 2020 (maturing on April 2025)? Because my plan would be to reinvest the Total Accumulated Value (savings plus dividend) from year 1 to year 6, but if they announce 2024's (year 5) dividend rate on April 2025, then there would be know way for me to get the TAV and reinvest it on January 2025.