Life stages concerns/ Welcome i building and maintaning »° Students! ga” good credit ‘thowr ream deel maa Communes mens nrsenyorters ana, ENTERNG THE 5 Financial Stages of LifeCase © = You stoud know that he fst ep toad bear Manca cy whan you an you ety ager yas 1 making 3 DE ad ‘wack your expenses. you ae sl pay you sucess oss, prortze pang of your et. Remeber tht you ned to bul a sped crest hey while n hs sage o He. hen you hae 2 ‘oral rac star axroreg to bank standards becores casero purchase an ast such sacar ora ream omen crest ‘once you plan on stig cown mabe he toen yeas from now moses a tis ia for youte have ready accomclshed cern tings sn your if the te you ae In your prereterer yeas. YoU dont were to extend you tre var 2 an TBE fer retrarert orl 20 you can kes up vith the emsiing olgsters thet jou fed to comple before jou even reed Heres asinpi st bey eae ® = Dug the later retremest yes cordrue opting tes. (Do you hk can help ou further you get dof some of your asses by seg ther, nets of ming le “oeharaeal from your reams arent that might sible 127s ony one example you cen poncer on {15150 you Gan Ait your eral tae Iabity n your ter resemenyers exe 2 @ Setrg doun is more than jist geting marie ano hang your Gesm nous. comes wh grestr spores and Gf couse grester expecaons [E15 not 8 mater of yout personel teams anyrore becaise your asprabors have to ‘match yur speuses, especialy hen comes fo bukieg 2 rome ats have ide Seseye ® = Smegealy turn your reverent and person ssings 12 lncome th that 50 cores ersumngibatyou ave tax al at recrament th the help ofa rence pre, you waar tra hee 2 stages to reduce ite tc con ‘ax comes vith ras rexremem bene. anareofhich accounts you have to wahoraw fom fst to ensure that ou lot be uresting wn athries due tx tlie. The objective here sts erere that yoursaings wil it nger. 1 ony Baron wat oucan Mord 2 Use cay2Sallarautafthe re ou Hae aioe 2 Sar in ony One Ceca 4B Your Cred Crd Barcein Ut 5 Mle leur Benes ovine (ifn Gaya atnce Doth Rg) 7 .etvour scours geSTOCKS AND BONDS, AND FINANCIAL PLANNER AGENDA ths presentation + the ole of stocks are bond in investments + Basic concepts on stocks ‘ Twotupes of stocks ‘+ easiccancepts on Bonds * charactors of Banas «The ole of financial planner ww Taeiaeearas ee ctr THE ROLE OF = “eer nr STOCKS AND eae an BONDS IN rae Tiras snd wearer it may issve three types of INVESTMENTS secuities negotiable instruments of nership or debt): common sock, preferred stock, and bonds aed ‘Spreading your investment funds among i itl ‘ o 1 you have a long time before retirement, stocks appear to have substantial advantages because there s more time for the market to correct any downturn that_may cause a decrease in value of the stock, vatious classes of stacks and bonds — divesfying~ isthe cheice for many. A mx cof stable, fixedincame investnents (help ‘ushien stack market volatility) and stacks {to previe growth potential over the long haul) key ingredient ro warking reward ‘meeting long-term financial goals I you need a shorter-term strategy, you might do better to consider bonds, HOW DO THESE NAD ArE QUALES ay ees INTO YOUR secant ha vepreentsthe Dwnership ofa fraction ofa INVESTMENT, i ee STRATEGY? re eae fe Unis a toceae called “shares*WHY DO CORPORATIONS SELL STOCK? AS A PART-OWNER, YOU PARTICIPATE IN THE COMPANY'S GROWTH AND FUTURE PROFITS. CONVERSELY, YOU MAY ALSO LOSE IF THE COMPANY SUFFERS A LOSS OR PERFORMS BELOW MARKET EXPECTATIONS. Corporations issue (sell) s-ock to raise piece of th the type of held, may have a claim to part of i 1s and earnings PHILIPPINE STOCK EXCHANGE TYPES OF STOCKS baad COMMON STOCK STOCK ane ip The main difference between a Preferred Stock and a Common Stock is that preferred stack has 2 fixed guaranteed dividend, while common stock dividends can change aver time or even be discontinued. For this reason, share prices of preferred stocks generally don't fluctuate as much as common stock WHY BUY WHY BUY PREFERRED COMMON STOCK? STOCK?Comparison Chart vey oir Coupons + Face value Face value is the money amount the bond will be worth at maturity; itis also the reference amount the bond issuer uses when calculating interest payments. +The coupon rate ° ‘ ‘The coupon rate is the rate of interest the bond issuer will pay on the : face value ofthe bond, expressedas a percentage. Stocks according to Ownership ‘2 Class A-stocks that can be exh trated by Filipino inestors bs assB- stocks hat canbe bought and sod by bth Flpna and foreign investors. Stocks according to Characteristics Co ——) What Is a Bond? ‘A bond Is a fixed-income instrument tat represents 2 loan made by an investor to @ borrower (ypicaly corporate or governmental. Bonds are units of corporate dedt issued ay companies and securtized as tradeable assets. Characteristics ns ‘Most bonds share some common basic characteristics Ss ‘coupon dates Coupon dates ate the dates on which the bond sur will ake interest payments. Payments can bemadein ay inter but the standard semianal payment. Tmemaurty te ‘The marty dati the date en which te ban will mature and the bond suer villa he Donholer he face vie of ond sThelsue price ‘The sve pres the pce twhinthe bod ver egal sl the bondsHow Does an Investor Make Money On Bonds? lp they chine money needs ond Words frm the Wizard of Omaha SUCCESSFUL Sea Gt ily lta ee POPE la a (en 1 your area i you act as my senices can} i we sete asput THANK YOU! GROUP 2 Esclamado, Katherine Jay Estigoy, Pearl Shayne Facal, Jay Mark Gomita, Darlene Guinto, MaybellePa FINANCIAL GROUP 3 ASSET JAMERO AND MARES WHAT IS How Financial Assets Work a FINANCIAL ASSET Aloancit asset sony . ial Financial Assets vs. Real Assets vs. Intangible Assets WW y WHATIS FACTORS THAT RETURN ON INVESTMENT? — a Malimping and NocosFactors thatinfluence your rate of return include: Factors that influence your rate of return include: ‘tema et been ema anstin eoneeey te sii icecream ovematendPitelFtrFaepaty, Seen pics ey te mt tt Pie ‘rome en ten one es ay oe Srdhenmaabtieacasetear jocapearens ~Gancepte ot Return on investment and Risk “permanent dtr hemesrdcaage WORLD OF = INVESTMENT plo ve. Return ohms pone eRe eee oe ee ee WHATIS Investments fall in anyone of three basic INVESTMENT? assensphes Serene rer ot rane dey naonen o” mts Bot (icon ores eat pepein od Don ang oer nara .——— ‘ a ean Spe Ses oa Types of Investment: What evteGhiedien of investment? ngeanramrstnens Inmsnetpon tea rent cm testo gmat emer mens the sias bean net oun scree ‘meyer einai ect fet etna Somemate etre ny ‘reynaysecyeest totlonrg ete ae Reasons to Start Investing Today — i |LToKeepMoneySafe 2.TeHsipMeney Growes ie StTokamasteady _S.ToMestyour Streametincome ‘Financial Goats, For international investors foreign direct investment plays on extremely important role. the growth of ‘emerging markets has been due in large part to ‘teemune u Incorrang Sorel reat Investrient : . WHATIS REAL Real Estate? = = « LoYola Understanding Realestate Physical Characteristics of Real Estate Immebility tepogenty con be atare.the geographic Iocan ty patel land an ete De cero Indestructiblity \ Lanai abl cnainsenrctbe (eemare) Uniqueness Characteristics of Real Estate sre nt enone ance at hance en 99 Types of RealEstate scarey eee en yt tp wae eit cnaieed rn or targa ‘eee teenage insrtwecearene aa aerate investment, eine preterence. Loosen tales to people Guice and tones egordng ‘Gren ora bored on fotos ‘nce land proved te wad tonneHow to Investin Real Estate 1 you by ps popany (eg. tral properties, haus pg) you an maha maney treater ways: eran Hom eter eos, od seprecton ol taren ete vole Groups ‘COLLEGE CHOICES AND STUDENT LOAN/ Definition {A student loan fs money borrowed WHAT IS ASTUDENT Inert eh accurate er LOAN? and other fees are normally by the funds. I vy of Student Loan Pere tee ad tte yoy nl Soret etc eta enone pee eer is oo BRST UCU aU y not ne iment ea ih ie a: uterine ta, a - ‘eles moe sm ure te pe ri L " Sothaeeryrairneaewbaiesto ttt AS etre pean rr = CONS * Taking out a student laan means you ‘re starting your adult lie with debt + other financial and lifestyle goals can ‘be hampered by student loan debt + Additonal fee, interest, and salary ‘garnishment are among penaities for sing some loan payments Start With Your Expenses & Budgeting FINANCIAL PLANNING FOR at 2.Learn to Live Within Your Means yee Disadvantages of Loan Repayment After Retirement + Theyre forced to work beyond the tadtonal retirement age ‘They sacrifice retirement savings. ‘They delay teirhealcare 7 ‘They experience creat sues ‘They're unable to help the familes + the Soa sect benet oe nes ol a z 1. Creating 2 Budget COLLEGE STUDENTSnes ere How to Minimize Student Loan Difficulties *+ Hold Honest Discussions Before You Borrow + Prepare a Contingency Plan * Monitor the Loan’ eR @ WHERE TO INVEST FOR RETIREMENT? ‘What are Pension Plans /Retirement Plans? Pension plans and retirement plans are a category of life insurance plans that are specially designed to meet post-retirement needs HOW DO I CHOOSE A PENSION PLAN? Factors that will help to choose the right pension pian + Retums from the plan + Guaranteed pension + Flexibility * Bonus and other benefits FR WHY PLAN FOR RETIREMENT? + To maintain the standard of living ‘+ To be prepared for a longer life * To be emergency-ready * To fulfil retirement goals TYPES OF RETIREMENT FUNDS IN THE PHILIPPINES 2 SIS Penson Pin Fae Person Pan $55 enon an 2.PERA Investment 2 narance Pane 4 verre Find 5 eal ste 6. Mit Fund 2. nvesinet Tt Fun (UIA) «8 Excunge- Traded Func (ETF) HOW MUCH DO | NEED TO SAVE FOR RETIREMENT? Factors to consider to arrive at the amount: + your day-to-day expenses + events and milestones during retirement + your post-retirement dreams + unforeseen costs * inflation QBENEFITS OF RETIREMENT PLANS: * Benefit from the power of compounding - the earlier you invest, the longer yourmoney gets to grow. + Safety net from unexpected events - financially prepared in case of an emergency 4 FACTORS TO KEEP IN MIND WHILE PLANNING FOR RETIREMENT + Stat as eat a pose * Ines fet spender Spay of ext eis | set astm antes Sap arate * check foray '* Monitor regularly | ange ese coer rekon keep pperwor ready nde Faly 9 S chore thei patter, « aomsron—shtoteriomerat MANAGING STUDENTLOAN A ay nacmaesty Det Payrers| 1b ean Fergvnese 5 Retirement Savings Tips for a College Students HOW RETIREMENT PLANS WORK + Retirement Savings Plan - lump sum amount as retirement fund on maturity + Retirement Annuity Plans - you will start getting income every month, quarter, six months or year »f A i FINANCIAL TIPS & KEY TAKEAWAYS for college students© Mutual fands/Portfolio Mutual Vy" oo Whar is Portfolio Design? tee om5 Detaled Steps to Design an eso hy ‘Stop #2: Aratyze Exel Factors Step #3: Delo a Balared locaton sway ‘Step #4: Select he ideal Underre ‘Secures to Fund the Alloeatone Stop #5 Buy he Secures ad Create tho Proveetion for Other Propery and Liabiliey Loss Exposures + comprehersine persona bity Lisbity insurance § Profesional bit insurance face coverage youre, The Top Financial Misseps in Managing Properey and Liability Risk | people experience challenge hen thes do the folowing 1B nthe gira overage hei insurance on the cx + Faltohee good reco tat cold serve deur! inared property ses «+ Fay ih premiums because they sect on deductibles on Propet inarance for your a3 © er. 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