OUR MISSION

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 FACING THE CHALLENGES
A large number of Filipinos will face
INCREASING FINANCIAL CHALLENGES

1 HAVING A HARD TIME WITH YOUR CURRENT

BILLS?
- we spend too much?
- have no written financial goals?
- need more cash flow? Additional income?

LOSING MONEY ON YOUR INVESTMENTS

2
- lack of education on compounding interest?
- how procrastination affects your investments? fear?
- diversification of funds?
 FACING THE CHALLENGES
A large number of Filipinos will face
INCREASING FINANCIAL CHALLENGES

3 DROWNING IN CREDIT CARD DEBT AND

LOANS?
- do you understand all the hidden charges on your credit card debts?
- do you know the 2 main types of debt interest rates?

4 WORRIED ABOUT YOUR RETIREMENT?

-Increasing cost of living every year
- forgetting about INFLATION, underestimating TAXES
- Difficulty saving money which results to debts
 FACING THE CHALLENGES
A large number of Filipinos will face
INCREASING FINANCIAL CHALLENGES

5 YOUR CHILD’S EDUCATION

- Increasing costs of education every year
- Lack of preparation affect the parents and their children
- increasing cost of living every year

6 ARE YOU PROPERLY PROTECTED

- are you still insurable
- how much life insurance should you buy
- what’s the cost of its upkeep
 FACING THE CHALLENGES
A large number of Filipinos will face
INCREASING FINANCIAL CHALLENGES

7 ARE YOU PREPARED FOR EMERGENCY?

- are you prepared for life’s little disasters?
- do you think you don’t need Emergency Fund?
- where should you put your emergency fund
 THE NEED FOR FINANCIAL EDUCATION
Your future is not in the hands of your employer, or your government.
Its neither in the hands of your bank nor your broker. Control your future.

THE FUTURE IS IN YOUR HANDS

• MAKE Money
• SAVE Money
• ACCUMULATE Money
• PROTECT Money
 THE NEED FOR FINANCIAL EDUCATION

Your future is not in the hands of your employer, or your government.

Its neither in the hands of your bank nor your broker. Control your future.

BE YOUR OWN MONEY MANAGER

• UNDERSTAND How money works
• MAKE Money work for you
 HOW TO BUILD A SOLID
FINANCIAL FOUNDATION
THE SOLID FINANCIAL FOUNDATION

INVESTMENTS

EMERGENCY FUNDS

ELIMINATE DEBTS

PROTECTION
LIFE INSURANCE

HEALTHCARE
SHORT TERM & LONG TERM CARE
 WHAT’S YOUR CURRENT
FINANCIAL FOUNDATION?

A B
INVESTMENTS
EMERGENCY FUNDS
ELIMINATE DEBTS
PROTECTION
LIFE INSURANCE
HEALTHCARE
SHORT TERM & LONG TERM CARE

We can help you BUILD the RIGHT FINANCIAL FOUNDATION

If you have the will, WE WILL SHOW YOU THE WAY

 THE X-CURVE
Big Big
Responsibility
Savings
 Food Food ✓
 Shelter Shelter ✓
 Clothing Clothing ✓
 Education Education ✓
 Health Health ✓
 Debts/loans
Debt-Free ✓

Active income Passive income

(Man At Work) (Money At Work)
No
Savings
LIFE No
Resp.

YOUNG a. DIE TOO SOON B. LIVE TOO LONG OLD

PROTECT PROTECT YOURSELF
YOUR FAMILY (Investments)
(Instant Money/Insurance) Living on Interests
Income replacement
 You have 2 OPTIONS IN LIFE

1 Work for the Money 2 Let Money Work for YOU

(until you die) (and relax)

Solution?
Learn HOW MONEY WORKS
 DO YOU KNOW?

that you can be a

multi-millionaire if you invest
PHP 33.00/day or
PHP 1000.00/month for 30 years?

PHP 3.5 Million

How?
 THE RULE of 72 / RULE of MONEY
How Money Works

4% 8% 12%
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 VALUE AGE VALUE AGE VALUE

20 100,000 20 100,000 20 100,000

38 200,000 29 200,000 26 200,000
56 400,000 38 400,000 32 400,000
47 800,000 38 800,000
56 1,600,000 44 1,600,000
50 3,200,000
4X
56 6,400,000

16X
SAVING AND INVESTING THE
RIGHT WAY

PAY YOURSELF FIRST

 PAY YOURSELF FIRST
The Abundance Formula
(10 – 20 – 70 Rule)

- =
INCOME TITHES SAVE & INVEST EXPENSE & LIFESTYLE

100% 10% 20% 70%

 FINANCIAL SOLUTION

INVESTMENTS

EMERGENCY FUNDS

ELIMINATE DEBTS

PROTECTION | LIFE INSURANCE

HEALTHCARE
SHORT TERM & LONG TERM CARE

INCREASE CASH FLOW

 HOW COMPOUNDING INTEREST
WORK FOR US?
Monthly Annual Number of Years
Savings Interest 5 10 15 20 30
P1,000 4% 66,520 147,741 246,911 367,997 696,363
8% 73,967 184,166 348,345 592,947 1,500,295
10% 78,082 206,552 417,924 765,697 2,279,325
12% 82,486 232,339 504,576 999,148 3,529,914

P2,000 4% 133,040 295,481 493,822 735,994 1,392,726

8% 147,933 368,331 696,690 1,185,894 3,000,590
10% 156,165 413,104 835,849 1,531,394 4,558,651
12% 164,973 464,678 1,009,152 1,998,296 7,059,828

P5,000 4% 332,600 738,703 1,234,554 1,839,986 3,481,815

8% 369,834 920,828 1,741,726 2,964,736 7,501,476
10% 390,412 1,032,760 2,089,621 3,828,485 11,396,627
12% 412,432 1,161,695 2,522,880 4,995,740 17,649,569
HOW COMPOUNDING INTEREST
WORK FOR US?

CONSISTENT
LONG-TERM INVESTING
is KEY
 MANAGE & REDUCE EXPENSES

Monthly Annual @12% in 20

Item Cost Frequency
Cost cost years
Soft drinks/water P20/Can 2 cans / day P1200 P14400 P1.2M
Coffee P20/Cup 3 cups / day P1800 P21600 P1.8M
Cigarettes/beer P30/Pack 2 packs / day P1800 P21600 P1.8M
Lotto Tickets P20/Ticket 2 Tickets / day P1200 P14400 P1.2M
Extra Phone Bills P1000 1x / month P1000 P12000 P1M
Pedicure/Manicure P300 1x / 2weeks P600 P7200 P600K
Hair Maintenance ,
Curl, Straight
P2000 1x / month P2000 P24000 P2M
 THE COMPLETE FINANCIAL PLAN
WHAT IF..
I die too soon?
SOLUTION:
LIFE INSURANCE

I live too long?

SOLUTION:
INVESTMENT & LONG-TERM CARE

THE COMPLETE FINANCIAL PLAN

• HEALTHCARE
• LIFE INSURANCE
• EMERGENCY FUND
• INVESTMENT
LEARN AND UNDERSTAND
THE DIFFERENT
INVESTMENT VEHICLES
IN THE FINANCIAL
INDUSTRY
1 DETERMINE HOW MUCH PROTECTION YOU NEED

Fund Needed
( Income Replacement )
= (MONTHLY(ANNUAL
INCOME X 12) X 10
INCOME)

Ex. P20,000 x 12 = (P240K) x (10) =

(MONTHLY INCOME) (ANNUAL INCOME)

P 2,400,000 MONEY NEEDED

TO WORK FOR YOU

x (10%) MINIMUM INVESTMENT INTEREST

P 240,000 GAINED ANNUAL INTEREST

÷ 12 mos.
MONTHLY INCOME
P 20,000 REPLACEMENT
DETERMINE HOW MUCH RETIREMENT FUND YOU NEED

Fund Needed
( Income Replacement )
= (MONTHLY INCOME X 12) X 20
(ANNUAL INCOME)

Ex. P20,000 x 12 = (P240K) x (20) =

(MONTHLY INCOME) (ANNUAL INCOME)

MONEY NEEDED
P 4,800,000 TO WORK FOR YOU
MINIMUM INVESTMENT INTEREST
x (10%)
P 480,000 GAINED ANNUAL INTEREST
÷ 12 mos.
P 40,000 MONTHLY RETIREMENT FUND
2 LEARN AND UNDERSTAND HOW MUTUAL FUNDS WORK
 SOLUTIONS FOR A NEW INDUSTRY
Mutual Funds is OWNERSHIP

OWNERSHIP NO. OF SHARES LONG-TERM

Would you like to be partners with these companies?

3 UNDERSTAND THE IMPORTANCE OF LONG-TERM CARE

Healthcare Company (HMO) Long – Term Care

Short-term Healthcare Long-term Care Plan

Your benefit as an employee. Something that

you have to get for yourself.
Employment / Productive Years Retirement Years

21 60 61 & beyond
 ULTIMATE KAISER HEALTH BUILDER PROGRAM

INVESTMENTS + HEALTHCARE + LIFE INSURANCE

LEVEL 1 Investing
ULTIMATE KAISER HEALTH BUILDER PROGRAM
OUR SOLUTION
 BE A MEMBER
is a new concept in the financial industry that assists people who want to
BUILD AND REBUILD THEIR FINANCIAL FOUNDATION.

IMG’s MEMBERSHIP platform helps a lot of people :

• GET EDUCATED on all aspects • SAVE MONEY on various
of personal finance products and services

• ACCESS to hundreds of • EARN DISCOUNTS

financial products and services
• RECEIVE TRAINING and
SUPPORT to manage your
money
by sharing their know-how with
clients in this fast growing
industry

“YOU CAN LEARN AND EARN IN THE FINANCIAL INDUSTRY”

 the
1. REGISTER
as IMG member
and enjoy the
discounts, benefits
and priviledges.
 INVESTMENTS

2. START EMERGENCY FUNDS

ELIMINATE DEBTS

building a proper PROTECTION | LIFE INSURANCE

financial foundation
through Level 1 HEALTHCARE
SHORT TERM & LONG TERM CARE

savings program
3. SHARE
this great advantage
of IMG Membership
to your family and
friends
DID YOU LIKE WHAT YOU HAVE
LEARNED TODAY?

IT’S TIME TO ACT ON IT

TODAY!
SET APPOINTMENT FOR
YOUR FINANCIAL
CHECK UP

Knowledge is power, and IMG is

determined to provide 1 Million people
all over the world with a FINANCIAL
EDUCATION that empowers them to
have a better future!
“FINANCIAL INDEPENDENCE
is not a DREAM

It’s a DECISION”
FINANCIAL EDUCATION