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FLP Version 8

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Mutual funds provide investors access to a professionally managed portfolio of securities, allowing them to benefit from the expertise of fund managers without needing substantial capital. They offer investors an affordable way to diversify their holdings across different asset classes and companies to reduce risk. Over the long run, mutual funds aim to achieve higher returns than fixed-income instruments like savings accounts through exposure to growth opportunities in the market.

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FLP Version 8
FLP Version 8
Common Money Mistakes  Impulsive Spending o Shopping when you’re bored/stressed/upset will make you buy things you will rarely use or never use at all o Never checking for cheaper deals  “Brand only” Mentality o A lot of items we buy just because of the famous brand labels are not cost-effective
Common Money Mistakes  Being Swayed by Sale Strategies o Sale, Discounts, Promotions, & 0% Installments  Not Tracking Your Finances o People have no idea on how much was spent since the last pay day or how much debt still needs to be paid  Wants Become Needs o Wants = Needs, or worse, Wants > Needs
Common Money Mistakes  Credit Mismanagement o Credit Cards, Personal Loans, Mortgages o Borrowing money to buy things that lose value
Common Money Mistakes • Overly conservative in Investing Money  Philippine Daily Inquirer 2008: Only 3% of OFWs invest and less than 35% of OFWs save in “banks” ($15.9B 2008 OFWs’ total remittances)  Consumer Expectation Survey 2010: 5.8% of OFWs invest and 43.7% save in banks ($18.76B 2010 OFWs’ total remittances)  BSP: P3.7 Trillion total “bank deposits” in April 2011 • Lack of Financial Education  Citibank Survey June 2011: Filipinos’ Financial IQ = 48.9 %  Citibank Survey June 2011: Filipinos’ average savings in reserve = 9 weeks
FLP Version 8
6 Steps to Financial Security 1. Increase Cashflow Cashflow is the movement of money into or out of an account.
Cashflow Quadrant • Time • Full Time • Establishment • Employer • Income • Tax (huge) E Employee B Business • System • Money • Tax (low to zero) Financial Literacy  Financial IQ • Full Time • Time • Consumer • Income • Tax (huge) S Self-employed I Investment • Money • More money • Tax (low to zero)
6 Steps to Financial Security 1. Increase Cashflow How do we increase our Cash Inflow?  Earn additional income  passive  Manage your expenses o Prioritize your needs, lessen your wants
Pay Yourself First o Problem: Most people want to save but Expenses INCOME Debts don’t know how. They know only Income – Expenses = Savings how to spend…  Change your living formula Poverty Formula  Pay God and yourself first! God Savings Expenses At the beginning of the (20%) INCOME (10%) (70%) month, before you pay anyone else, reserve 10% for tithes, then Income – Tithes – Savings = Expenses save 20% of your income. Prosperity Formula  Discipline yourself to live within your means With this, we can surely fund our “financial plans”
6 Steps to Financial Security 2. Manage Debt • Consolidate Debt • Eliminate Debt
Debt Management  Types of debt: • Bad Debt – cash flows out of your pocket • Good Debt – cash flows into your pocket
6 Steps to Financial Security 3. Create Emergency Fund • To avoid debt traps, save 3-6 months of your monthly income for: • Sudden/Frequent Medical Needs of family • Loss of Income Source
6 Steps to Financial Security 4. Ensure Proper Protection • Ensure that your family will not struggle to survive in case of: • Sudden Death • Total/Permanent Disability
Protection: 1. Get the maximum benefit * Healthcare * Insurance * Investment link (passive income) 2. Go for term insurance * Short payment period
6 Steps to Financial Security 5. Build Long-Term Savings / Investments • Acquire ASSETS (cash inflow) • Mutual Funds • Real Estate • Avoid LIABILITIES (cash outflow) • No return of investment: Consumables, Gadgets, Expensive furnitures
The X-Curve Concept 2 Stages of Financial Life  Food  Education  Food STAGE 1  Shelter  Healthcare  Clothing  Debts/Loans STAGE 2  Shelter  Healthcare  Clothing  Debts/Loans  Retirement Active Income Passive Income YOU WORK hard for the money MONEY WORKS for you Protection YOUNGER Investment OLDER What if… I die to soon? What if… I live too long? Who will take care of my family? Who will take care of me?
The Rule of 72 (LXXII) Dividing the number 72 by the interest rate of your savings or investments will give the estimated number of years it will take for your money to double 72 4 = 18 72 8=9 72 12 = 6 Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years Age 4% Age 8% Age 12% 29 Php 100,000 29 Php 100,000 29 Php 100,000 47 Php 200,000 38 Php 200,000 35 Php 200,000 65 Php 400,000 47 Php 400,000 41 Php 400,000 56 Php 800,000 47 Php 800,000 65 Php 1,600,000 53 Php 1,600,000 59 Php 3,200,000 4X 65 Php 6,400,000 16X
FLP Version 8
FLP Version 8
FLP Version 8
oINFLATION is a rise in the general level of prices of goods and services in an economy. When the general price level rises, each unit of currency buys fewer goods and services. Inflation reflects an erosion in the purchasing power of money. http://en.wikipedia.org/wiki/Inflation
o Projection of a P10,000 expense
INFLATION RATE, PHILIPPINES 2005 – 2011 Month 2011 2010 2009 2008 2007 2006 2005 Average 4.8 3.8 3.2 9.3 2.8 6.2 7.6 Is an Investment Interest of 5% good enough? No! As a 20% tax will still be deducted on earned interest. http://www.nscb.gov.ph/stats/ http://www.nscb.gov.ph/secstat/d_price.asp [National Statistical Coordination Board]
Best Interest Rates on a 1 Year / 12 month Time Deposit in the Philippines as of Jun 29, 2012 Deposit Account Details Account TOP #1 Interest Rate is determined by the amount deposited in Peso over a 12 month/1 year period. 10,000 - 99,999.99 2.000% 100,000 -299,999.99 2.125% 300,000 - 499,999.99 2.375% 500,000 - 999,999.99 2.625% 1 M - 4.99 M 3.250% 5 M - 9.99 M 3.375% 10 M and over 3.125%
Best Interest Rates on a 1 Year / 12 month Time Deposit in the Philippines as of Jun 29, 2012 Deposit Account Details Account TOP #2 Interest Rate is determined by the amount deposited in Peso over a 12 month/1 year period. 50,000.00-299,999.99 2.65% 300,000.00-999,999.99 2.75% 1 M - 1,999,999.99 2.85% 2 M - 2,999,999.99 2.95% 3 M - 4,999,999.99 3.05% 5 M and over 3.00%
10 YRS @ 4% P 132,520 P 1,787,211.29
6 Steps to Financial Security 6. Preserve Your Estate • Ensure that everything you’ve worked for in your entire life (assets / investments) will be turned over only to your beneficiaries • Limit probate cost • Every breadwinner/provider should have a will • Spouse should be co-owners of Assets / Investments
Building a Solid Financial Foundation INVESTMENT EMERGENCY FUND DEBT MANAGEMENT PROTECTION: INSURANCE HEALTHCARE INCREASE CASH FLOW « BUILD IT RIGHT. BUILD IT STRONG»
« BUILD IT RIGHT. BUILD IT STRONG»
Is an independent Years in USA/Canadawhose More than 25 marketing company & associates, through its affiliated companies, offer 15 Years in the Philippines a broad array of financial services and products.
FLP Version 8
FLP Version 8
FLP Version 8
OUR MISSION Make a Difference for Families At IMG, we can help make a difference for families by showing them a new path towards achieving their financial goals. No Family Left Behind
OUR VISION To Build and Provide the Best Business Opportunity in the World Our plan is to revolutionize the financial services industry by bringing a fresh, new approach to empower the world on how money works. Help people who desire to help themselves. Bring life-changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial services industry.
OUR CRUSADE Change people from: ENTREPRENEURS SPENDERS SAVERS INVESTORS Deliver the world’s financial wake-up call
Joen has a mission: towhat he’s talking about."theis a registered financial certainly knows change the adage that He rich get richer and the poor get poorer." He believes12 years of financial management planner and has more than that "the average person, even the experience. He sits as the president and chairmangiven the right poor, has an equal chance to become wealthy if of the board of information." International Marketing Group (IMG)
FLP Version 8
IMG Offers Total Financial Solution • Financial Literacy  Learn the fundamentals of Protection, Debt Management, & Investments  Learn to plan your own Financial Strategy, to achieve your financial goals • Business Solution  Learn the Financial Products & Services Industry
IMG Offers Total Financial Solution • Direct Access to Financial Services Companies  Be informed of the latest updates  Remove the middle man  Earn from your own needs • Investment and Business Opportunity  Towards PASSIVE INCOME for retirement
What IMG Can Provide 1. ONE STOP SHOP of all Financial Services 2. By-Pass The Middle Man (earn the commission yourself) 3. Create Your Multiple Passive Income Stream 4. Have Your Own Business Franchise 5. Earn Interest Income from Investments (invest correctly and safely with high returns) 6. Earn By Helping Others to Save and Invest
FLP Version 8
What IMG Can Provide 1. ONE STOP SHOP of Financial Services 2. By-Pass the Middle Man (earn the commission yourself) 3. Create Your Multiple Passive Income Stream 4. Have Your Own Business Franchise 5. Earn Interest Income from Investments (invest correctly and safely with high returns) 6. Earn By Helping Others to Save and Invest
YOU YOU (BROKER) BROKER INVESTMENT
What IMG Can Provide 1. ONE STOP SHOP of Financial Services 2. By-Pass the Middle Man (earn the commission yourself) 3. Create Your Multiple Passive Income Stream 4. Have Your Own Business Franchise 5. Earn Interest Income from Investments (invest correctly and safely with high returns) 6. Earn By Helping Others to Save and Invest
FLP Version 8
Proverbs 6: This chapter advises release from foolish indebtedness (vv:1–5), admonishes avoiding laziness (vv:6–11), warns of the danger of poverty (vv:9–11) 6 Take a lesson from the ants... Learn from their ways and become wise! 8 they labor hard all summer, gathering food for the winter. Proverbs 6:6,8
FLP Version 8
“ To be born rich or poor is not a choice, but to become rich or poor, that's a choice that GOD leaves up to us.” Bo Sanchez
Most people are indebted. Live simply. This will help us avoid debt traps Before we build our wealth-- We need protection for assets and life Get out of debts before you invest Invest safely and correctly Transfer inheritance to our children
Always inform your relatives of your insurance.
FLP Version 8
DO YOU KNOW THAT: 1. Near 90% of Filipinos are not saving for long-term medical needs 2. Medical Inflation is 3 to 4 times the economic inflation 3. About 45% of total Filipinos are vulnerable to poverty if confronted by surprise of health problems, death and natural disasters 4. Philippine Life Insurance Association: Pinoys spend more on cigarettes than Life Insurance
INVESTMENT EMERGENCY FUND DEBT MANAGEMENT PROTECTION: INSURANCE HEALTHCARE INCREASE CASH FLOW http://www.kaiserhealthgroup.com/
FLP Version 8
FLP Version 8
Major Advantages of Kaiser  Pre-existing illness: • excluded from healthcare claims during payment period only • excluded from insurance claim for the first 2 years only  Plus Rider option – 2x insurance amount without 2x premium  Healthcare coverage & investment is transferrable
http://www.kaiserhealthgroup.com/
MUTUAL FUNDS
Mutual Funds vs Bank Deposits • Bank Deposits  Your money is actually invested in financial instruments with higher return  Interest earned is based on account agreement, regardless of how much the bank earns on your money  You only own what was agreed to be given to you • Mutual Funds  Ownership: You’re a co-owner of the company  Number of shares is more important than the cost per share  Long-term investment: Higher gain
TYPES OF MUTUAL FUNDS STOCK/EQUITY FUNDP8+$1 BALANCED FUNDP9+$4 BOND/FIXED-INCOMEP11+$8+€2 http://www.pifa.com.ph/advantages.html MONEY MARKET FUNDP5
TYPES OF MUTUAL FUNDS TYPE COMPOSITION OBJECTIVE AVERAGE RETURN* MONEY MARKET SHORT-TERM FIXED- STABILITY + MINIMAL FUND INCOME INSTRUMENTS GROWTH 2% BOND/FIXED-INCOME FIXED-INCOME STABILITY + FUND INSTRUMENTS REASONABLE GROWTH 6% MEDIUM TO LONG- STOCKS & FIXED- BALANCED FUND INCOME INSTRUMENTS TERM FOR MODERATE INVESTORS 12% LONG-TERM CAPITAL STOCK/EQUITY FUND SHARES OF STOCKS GROWTH 18%
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 1. Professional management: One of the main attractions of mutual funds is that it affords its investors the services of full-time professional managers whose job is to analyze the various investment products available in the market. 2. Low capital requirement: Direct investments usually require substantial capital. In contrast, most mutual funds in the Philippines require a minimum initial investment amount of only Php5,000.00 and minimum additional investments of Php1,000.00. http://www.pifa.com.ph/advantages.html
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 3. Potential Higher Returns: Very few individual investors can match the experience and skill of full-time professional fund managers who can select those that would give the best possible returns. 4. Liquidity: Liquidity is the ability to readily convert investments into cash. While the law provides that redemption proceeds must be given within seven (7) banking days from the date of the redemption request, most funds are able to pay the redemption proceeds within a day. http://www.pifa.com.ph/advantages.html
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 5. Diversification: investing in variety of assets; here is a saying that goes, “Do not put all your eggs in one basket.” When people invest in a mutual fund, they achieve instant diversification. http://www.pifa.com.ph/advantages.html
WHAT IS DIVERSIFICATION? Stocks
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 5. Diversification: investing in variety of assets; here is a saying that goes, “Do not put all your eggs in one basket.” When people invest in a mutual fund, they achieve instant diversification. 6. Safety: Mutual funds are highly regulated by the Securities and Exchange Commission under the Investment Company Act and its implementing rules. http://www.pifa.com.ph/advantages.html
How safe is it to invest in mutual funds? o Mutual Fund operations are governed by the Investment Company Act (RA 2629) whose implementing rules and regulations specify particular limits and constraints in the investment activities of all mutual funds. The Securities and Exchange Commission (SEC) sees to it that all mutual funds comply with these statutory regulations. Mutual fund companies are regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.
PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 7. Convenience: The popularity of mutual funds in the Philippines is fast catching up. Investment application can now do online and additional investment/s can now deposit thru banks’ online banking fund transfer facilities. http://www.pifa.com.ph/advantages.html
Are gains in mutual funds taxable? o NO. Mutual fund “gains” are exempted from taxes based on the Comprehensive Tax Reform Program (CTRP), Section 32 (B) (7) (h). This was done to promote long-term savings in the country.
Why invest in MUTUAL FUNDS and not in INDIVIDUAL STOCKS? o If you’re not a good stock picker. o If you don’t have time to follow and track your investments actively. o If you can potentially become an emotional investor if you handle your investments too actively.
COST - AVERAGING http://www.investmentphilippines.com/ Investment Scenario Buy P100 worth of mutual fund shares for 6 months
FLP Version 8
TOP 3 MUTUAL FUNDS IN 2011 1: FAMI Fixed Income Fund 12.34% 2: EkklesiaBPI Mutual Fund 10.35% 3: Philequity Peso Bond Fund 9.02%
FLP Version 8
FLP Version 8
REAL ESTATE
1834 1954 2007
2 BASIC TYPES OF REAL ESTATE PROJECTS HORIZONTAL DEVELOPMENTS  Socialized Housing  Affordable Housing  Middle / Upper Middle  High End
2 BASIC TYPES OF REAL ESTATE PROJECTS VERTICAL DEVELOPMENTS  According to Market  According to Height • Low-rise, Mid-rise, High-rise
As per BIR's Revenue Regulations No. 16-2011 dated Oct. 27, 2011, starting January 1, 2012, sales on real properties exempt from VAT: For lots below P 1,919,500 (prev P1.5M) and on House & Lot below P3,199,200 (prev 2.5M). LOCATION
WHY INVEST IN REAL ESTATE  PERSONAL USE  Family residence  SAVINGS  Has the potential to offer higher return than bank  BUSINESS  Place of business  Can be resold at a higher price  Can be used as a collateral for loan  Can generate rental income
Options for acquiring products/services: 1. CLIENT - you don’t join as an IMG member but you get timely updates from the companies (i.e. pricing, offerings, regulations) 2. AGENT - you join as an IMG member and reduce the cost of products/services using the commission - earn overrides
Commission Rates Kaiser Mutual Funds Real Estate Membership Level (premium) (Sales Load) (i.e. Vista Residences) Associate 20% 20% 2.25% Field Leader 30% 30% 2.35% Asst. Marketing Director 40% 40% 2.45% Marketing Director 50% 50% 2.75%
“ You can’t cross the sea merely by standing and staring at the water.” Rabindranath Tagore
Financial Independence is not a dream. It’s a decision!
END OF SESSION
Review Card DATE: ____|____|____ NAME: SPOUSE: ADDRESS: WORK PHONE: EMAIL: CELLPHONE: I AM INTERESTED IN…(PLEASE CHECK ONE) STARTING A BUSINESS/CAREER IN IMG LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY BOTH OF THE ABOVE APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____

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FLP Version 8

  • 3. Common Money Mistakes  Impulsive Spending o Shopping when you’re bored/stressed/upset will make you buy things you will rarely use or never use at all o Never checking for cheaper deals  “Brand only” Mentality o A lot of items we buy just because of the famous brand labels are not cost-effective
  • 4. Common Money Mistakes  Being Swayed by Sale Strategies o Sale, Discounts, Promotions, & 0% Installments  Not Tracking Your Finances o People have no idea on how much was spent since the last pay day or how much debt still needs to be paid  Wants Become Needs o Wants = Needs, or worse, Wants > Needs
  • 5. Common Money Mistakes  Credit Mismanagement o Credit Cards, Personal Loans, Mortgages o Borrowing money to buy things that lose value
  • 6. Common Money Mistakes • Overly conservative in Investing Money  Philippine Daily Inquirer 2008: Only 3% of OFWs invest and less than 35% of OFWs save in “banks” ($15.9B 2008 OFWs’ total remittances)  Consumer Expectation Survey 2010: 5.8% of OFWs invest and 43.7% save in banks ($18.76B 2010 OFWs’ total remittances)  BSP: P3.7 Trillion total “bank deposits” in April 2011 • Lack of Financial Education  Citibank Survey June 2011: Filipinos’ Financial IQ = 48.9 %  Citibank Survey June 2011: Filipinos’ average savings in reserve = 9 weeks
  • 8. 6 Steps to Financial Security 1. Increase Cashflow Cashflow is the movement of money into or out of an account.
  • 9. Cashflow Quadrant • Time • Full Time • Establishment • Employer • Income • Tax (huge) E Employee B Business • System • Money • Tax (low to zero) Financial Literacy  Financial IQ • Full Time • Time • Consumer • Income • Tax (huge) S Self-employed I Investment • Money • More money • Tax (low to zero)
  • 10. 6 Steps to Financial Security 1. Increase Cashflow How do we increase our Cash Inflow?  Earn additional income  passive  Manage your expenses o Prioritize your needs, lessen your wants
  • 11. Pay Yourself First o Problem: Most people want to save but Expenses INCOME Debts don’t know how. They know only Income – Expenses = Savings how to spend…  Change your living formula Poverty Formula  Pay God and yourself first! God Savings Expenses At the beginning of the (20%) INCOME (10%) (70%) month, before you pay anyone else, reserve 10% for tithes, then Income – Tithes – Savings = Expenses save 20% of your income. Prosperity Formula  Discipline yourself to live within your means With this, we can surely fund our “financial plans”
  • 12. 6 Steps to Financial Security 2. Manage Debt • Consolidate Debt • Eliminate Debt
  • 13. Debt Management  Types of debt: • Bad Debt – cash flows out of your pocket • Good Debt – cash flows into your pocket
  • 14. 6 Steps to Financial Security 3. Create Emergency Fund • To avoid debt traps, save 3-6 months of your monthly income for: • Sudden/Frequent Medical Needs of family • Loss of Income Source
  • 15. 6 Steps to Financial Security 4. Ensure Proper Protection • Ensure that your family will not struggle to survive in case of: • Sudden Death • Total/Permanent Disability
  • 16. Protection: 1. Get the maximum benefit * Healthcare * Insurance * Investment link (passive income) 2. Go for term insurance * Short payment period
  • 17. 6 Steps to Financial Security 5. Build Long-Term Savings / Investments • Acquire ASSETS (cash inflow) • Mutual Funds • Real Estate • Avoid LIABILITIES (cash outflow) • No return of investment: Consumables, Gadgets, Expensive furnitures
  • 18. The X-Curve Concept 2 Stages of Financial Life  Food  Education  Food STAGE 1  Shelter  Healthcare  Clothing  Debts/Loans STAGE 2  Shelter  Healthcare  Clothing  Debts/Loans  Retirement Active Income Passive Income YOU WORK hard for the money MONEY WORKS for you Protection YOUNGER Investment OLDER What if… I die to soon? What if… I live too long? Who will take care of my family? Who will take care of me?
  • 19. The Rule of 72 (LXXII) Dividing the number 72 by the interest rate of your savings or investments will give the estimated number of years it will take for your money to double 72 4 = 18 72 8=9 72 12 = 6 Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years Age 4% Age 8% Age 12% 29 Php 100,000 29 Php 100,000 29 Php 100,000 47 Php 200,000 38 Php 200,000 35 Php 200,000 65 Php 400,000 47 Php 400,000 41 Php 400,000 56 Php 800,000 47 Php 800,000 65 Php 1,600,000 53 Php 1,600,000 59 Php 3,200,000 4X 65 Php 6,400,000 16X
  • 23. oINFLATION is a rise in the general level of prices of goods and services in an economy. When the general price level rises, each unit of currency buys fewer goods and services. Inflation reflects an erosion in the purchasing power of money. http://en.wikipedia.org/wiki/Inflation
  • 24. o Projection of a P10,000 expense
  • 25. INFLATION RATE, PHILIPPINES 2005 – 2011 Month 2011 2010 2009 2008 2007 2006 2005 Average 4.8 3.8 3.2 9.3 2.8 6.2 7.6 Is an Investment Interest of 5% good enough? No! As a 20% tax will still be deducted on earned interest. http://www.nscb.gov.ph/stats/ http://www.nscb.gov.ph/secstat/d_price.asp [National Statistical Coordination Board]
  • 26. Best Interest Rates on a 1 Year / 12 month Time Deposit in the Philippines as of Jun 29, 2012 Deposit Account Details Account TOP #1 Interest Rate is determined by the amount deposited in Peso over a 12 month/1 year period. 10,000 - 99,999.99 2.000% 100,000 -299,999.99 2.125% 300,000 - 499,999.99 2.375% 500,000 - 999,999.99 2.625% 1 M - 4.99 M 3.250% 5 M - 9.99 M 3.375% 10 M and over 3.125%
  • 27. Best Interest Rates on a 1 Year / 12 month Time Deposit in the Philippines as of Jun 29, 2012 Deposit Account Details Account TOP #2 Interest Rate is determined by the amount deposited in Peso over a 12 month/1 year period. 50,000.00-299,999.99 2.65% 300,000.00-999,999.99 2.75% 1 M - 1,999,999.99 2.85% 2 M - 2,999,999.99 2.95% 3 M - 4,999,999.99 3.05% 5 M and over 3.00%
  • 28. 10 YRS @ 4% P 132,520 P 1,787,211.29
  • 29. 6 Steps to Financial Security 6. Preserve Your Estate • Ensure that everything you’ve worked for in your entire life (assets / investments) will be turned over only to your beneficiaries • Limit probate cost • Every breadwinner/provider should have a will • Spouse should be co-owners of Assets / Investments
  • 30. Building a Solid Financial Foundation INVESTMENT EMERGENCY FUND DEBT MANAGEMENT PROTECTION: INSURANCE HEALTHCARE INCREASE CASH FLOW « BUILD IT RIGHT. BUILD IT STRONG»
  • 31. « BUILD IT RIGHT. BUILD IT STRONG»
  • 32. Is an independent Years in USA/Canadawhose More than 25 marketing company & associates, through its affiliated companies, offer 15 Years in the Philippines a broad array of financial services and products.
  • 36. OUR MISSION Make a Difference for Families At IMG, we can help make a difference for families by showing them a new path towards achieving their financial goals. No Family Left Behind
  • 37. OUR VISION To Build and Provide the Best Business Opportunity in the World Our plan is to revolutionize the financial services industry by bringing a fresh, new approach to empower the world on how money works. Help people who desire to help themselves. Bring life-changing financial concepts and solutions to middle income individuals and families who are overlooked by the financial services industry.
  • 38. OUR CRUSADE Change people from: ENTREPRENEURS SPENDERS SAVERS INVESTORS Deliver the world’s financial wake-up call
  • 39. Joen has a mission: towhat he’s talking about."theis a registered financial certainly knows change the adage that He rich get richer and the poor get poorer." He believes12 years of financial management planner and has more than that "the average person, even the experience. He sits as the president and chairmangiven the right poor, has an equal chance to become wealthy if of the board of information." International Marketing Group (IMG)
  • 41. IMG Offers Total Financial Solution • Financial Literacy  Learn the fundamentals of Protection, Debt Management, & Investments  Learn to plan your own Financial Strategy, to achieve your financial goals • Business Solution  Learn the Financial Products & Services Industry
  • 42. IMG Offers Total Financial Solution • Direct Access to Financial Services Companies  Be informed of the latest updates  Remove the middle man  Earn from your own needs • Investment and Business Opportunity  Towards PASSIVE INCOME for retirement
  • 43. What IMG Can Provide 1. ONE STOP SHOP of all Financial Services 2. By-Pass The Middle Man (earn the commission yourself) 3. Create Your Multiple Passive Income Stream 4. Have Your Own Business Franchise 5. Earn Interest Income from Investments (invest correctly and safely with high returns) 6. Earn By Helping Others to Save and Invest
  • 45. What IMG Can Provide 1. ONE STOP SHOP of Financial Services 2. By-Pass the Middle Man (earn the commission yourself) 3. Create Your Multiple Passive Income Stream 4. Have Your Own Business Franchise 5. Earn Interest Income from Investments (invest correctly and safely with high returns) 6. Earn By Helping Others to Save and Invest
  • 46. YOU YOU (BROKER) BROKER INVESTMENT
  • 47. What IMG Can Provide 1. ONE STOP SHOP of Financial Services 2. By-Pass the Middle Man (earn the commission yourself) 3. Create Your Multiple Passive Income Stream 4. Have Your Own Business Franchise 5. Earn Interest Income from Investments (invest correctly and safely with high returns) 6. Earn By Helping Others to Save and Invest
  • 49. Proverbs 6: This chapter advises release from foolish indebtedness (vv:1–5), admonishes avoiding laziness (vv:6–11), warns of the danger of poverty (vv:9–11) 6 Take a lesson from the ants... Learn from their ways and become wise! 8 they labor hard all summer, gathering food for the winter. Proverbs 6:6,8
  • 51. “ To be born rich or poor is not a choice, but to become rich or poor, that's a choice that GOD leaves up to us.” Bo Sanchez
  • 52. Most people are indebted. Live simply. This will help us avoid debt traps Before we build our wealth-- We need protection for assets and life Get out of debts before you invest Invest safely and correctly Transfer inheritance to our children
  • 53. Always inform your relatives of your insurance.
  • 55. DO YOU KNOW THAT: 1. Near 90% of Filipinos are not saving for long-term medical needs 2. Medical Inflation is 3 to 4 times the economic inflation 3. About 45% of total Filipinos are vulnerable to poverty if confronted by surprise of health problems, death and natural disasters 4. Philippine Life Insurance Association: Pinoys spend more on cigarettes than Life Insurance
  • 56. INVESTMENT EMERGENCY FUND DEBT MANAGEMENT PROTECTION: INSURANCE HEALTHCARE INCREASE CASH FLOW http://www.kaiserhealthgroup.com/
  • 59. Major Advantages of Kaiser  Pre-existing illness: • excluded from healthcare claims during payment period only • excluded from insurance claim for the first 2 years only  Plus Rider option – 2x insurance amount without 2x premium  Healthcare coverage & investment is transferrable
  • 61. MUTUAL FUNDS
  • 62. Mutual Funds vs Bank Deposits • Bank Deposits  Your money is actually invested in financial instruments with higher return  Interest earned is based on account agreement, regardless of how much the bank earns on your money  You only own what was agreed to be given to you • Mutual Funds  Ownership: You’re a co-owner of the company  Number of shares is more important than the cost per share  Long-term investment: Higher gain
  • 63. TYPES OF MUTUAL FUNDS STOCK/EQUITY FUNDP8+$1 BALANCED FUNDP9+$4 BOND/FIXED-INCOMEP11+$8+€2 http://www.pifa.com.ph/advantages.html MONEY MARKET FUNDP5
  • 64. TYPES OF MUTUAL FUNDS TYPE COMPOSITION OBJECTIVE AVERAGE RETURN* MONEY MARKET SHORT-TERM FIXED- STABILITY + MINIMAL FUND INCOME INSTRUMENTS GROWTH 2% BOND/FIXED-INCOME FIXED-INCOME STABILITY + FUND INSTRUMENTS REASONABLE GROWTH 6% MEDIUM TO LONG- STOCKS & FIXED- BALANCED FUND INCOME INSTRUMENTS TERM FOR MODERATE INVESTORS 12% LONG-TERM CAPITAL STOCK/EQUITY FUND SHARES OF STOCKS GROWTH 18%
  • 65. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 1. Professional management: One of the main attractions of mutual funds is that it affords its investors the services of full-time professional managers whose job is to analyze the various investment products available in the market. 2. Low capital requirement: Direct investments usually require substantial capital. In contrast, most mutual funds in the Philippines require a minimum initial investment amount of only Php5,000.00 and minimum additional investments of Php1,000.00. http://www.pifa.com.ph/advantages.html
  • 66. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 3. Potential Higher Returns: Very few individual investors can match the experience and skill of full-time professional fund managers who can select those that would give the best possible returns. 4. Liquidity: Liquidity is the ability to readily convert investments into cash. While the law provides that redemption proceeds must be given within seven (7) banking days from the date of the redemption request, most funds are able to pay the redemption proceeds within a day. http://www.pifa.com.ph/advantages.html
  • 67. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 5. Diversification: investing in variety of assets; here is a saying that goes, “Do not put all your eggs in one basket.” When people invest in a mutual fund, they achieve instant diversification. http://www.pifa.com.ph/advantages.html
  • 69. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 5. Diversification: investing in variety of assets; here is a saying that goes, “Do not put all your eggs in one basket.” When people invest in a mutual fund, they achieve instant diversification. 6. Safety: Mutual funds are highly regulated by the Securities and Exchange Commission under the Investment Company Act and its implementing rules. http://www.pifa.com.ph/advantages.html
  • 70. How safe is it to invest in mutual funds? o Mutual Fund operations are governed by the Investment Company Act (RA 2629) whose implementing rules and regulations specify particular limits and constraints in the investment activities of all mutual funds. The Securities and Exchange Commission (SEC) sees to it that all mutual funds comply with these statutory regulations. Mutual fund companies are regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.
  • 71. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS 7. Convenience: The popularity of mutual funds in the Philippines is fast catching up. Investment application can now do online and additional investment/s can now deposit thru banks’ online banking fund transfer facilities. http://www.pifa.com.ph/advantages.html
  • 72. Are gains in mutual funds taxable? o NO. Mutual fund “gains” are exempted from taxes based on the Comprehensive Tax Reform Program (CTRP), Section 32 (B) (7) (h). This was done to promote long-term savings in the country.
  • 73. Why invest in MUTUAL FUNDS and not in INDIVIDUAL STOCKS? o If you’re not a good stock picker. o If you don’t have time to follow and track your investments actively. o If you can potentially become an emotional investor if you handle your investments too actively.
  • 74. COST - AVERAGING http://www.investmentphilippines.com/ Investment Scenario Buy P100 worth of mutual fund shares for 6 months
  • 76. TOP 3 MUTUAL FUNDS IN 2011 1: FAMI Fixed Income Fund 12.34% 2: EkklesiaBPI Mutual Fund 10.35% 3: Philequity Peso Bond Fund 9.02%
  • 80. 1834 1954 2007
  • 81. 2 BASIC TYPES OF REAL ESTATE PROJECTS HORIZONTAL DEVELOPMENTS  Socialized Housing  Affordable Housing  Middle / Upper Middle  High End
  • 82. 2 BASIC TYPES OF REAL ESTATE PROJECTS VERTICAL DEVELOPMENTS  According to Market  According to Height • Low-rise, Mid-rise, High-rise
  • 83. As per BIR's Revenue Regulations No. 16-2011 dated Oct. 27, 2011, starting January 1, 2012, sales on real properties exempt from VAT: For lots below P 1,919,500 (prev P1.5M) and on House & Lot below P3,199,200 (prev 2.5M). LOCATION
  • 84. WHY INVEST IN REAL ESTATE  PERSONAL USE  Family residence  SAVINGS  Has the potential to offer higher return than bank  BUSINESS  Place of business  Can be resold at a higher price  Can be used as a collateral for loan  Can generate rental income
  • 85. Options for acquiring products/services: 1. CLIENT - you don’t join as an IMG member but you get timely updates from the companies (i.e. pricing, offerings, regulations) 2. AGENT - you join as an IMG member and reduce the cost of products/services using the commission - earn overrides
  • 86. Commission Rates Kaiser Mutual Funds Real Estate Membership Level (premium) (Sales Load) (i.e. Vista Residences) Associate 20% 20% 2.25% Field Leader 30% 30% 2.35% Asst. Marketing Director 40% 40% 2.45% Marketing Director 50% 50% 2.75%
  • 87. “ You can’t cross the sea merely by standing and staring at the water.” Rabindranath Tagore
  • 88. Financial Independence is not a dream. It’s a decision!
  • 89. END OF SESSION
  • 90. Review Card DATE: ____|____|____ NAME: SPOUSE: ADDRESS: WORK PHONE: EMAIL: CELLPHONE: I AM INTERESTED IN…(PLEASE CHECK ONE) STARTING A BUSINESS/CAREER IN IMG LEARNING MORE ABOUT FINANCIAL SOLUTION FOR MY FAMILY BOTH OF THE ABOVE APPOINTMENT: __|HOME __|IMG OFFICE (INDICATE AVAILABILITY) NUMBER __|MON __|TUE __|WED __|THU __|FRI __|SAT __|SUN DATE: ____________________ INVITED BY: ________________________________ TIME: ___________________ TRAINER: _________________________________ BPM____ S1-S2____ PPL____ FTS____ JOIN____ OWN____