Kung sa nakaraan walang nangyari sa 13th at 14th month pay mo, maaring may magawa ka ngayong taon.
Halimbawa, naitanong mo na ba kung ano ang mararating ng ₱20,000 mo?
Sa isang ₱20k, maaari kang bumili ng tatlo hanggang apat na taon na life insurance na P1m pesos kung age 35 and below ka. Kung kunin ka ni Lord ng maaga, ang mga mahal mo sa buhay ay makakakuha ng ₱1 milyon para kapalit ng kita mo.
Sa isang ₱20k, maaari kang magsimula ng iyong long term healthcare, at mag-bayad ng semi-annual premium (o premium para sa kalahating taon). May sukli pa na pang open ng mutual fund investment account.
Sa isang ₱20k, maaari ka ring mag-invest sa equity mutual funds, na may compounded annual growth rate na 12%. Sa ganitong assumption, ito ay magiging:
₱40k after 6 years
₱80k after 12 years
₱160k after 18 years
₱320k after 24 years
₱640k after 30 years
₱1,280,000 after 36 years
₱2,560,000 after 42 years
Isang ₱20,000 lang iyan!
Kung ₱20k/year for 5 years, starting at age 30
Maaring makakuha ka ng life insurance na ₱1 milyon hanggang 65 years old ka.
Maaring may mutual fund ka na worth ₱2.4 million kapag 60 years old ka na.
Kung ₱20k/year for 30 years:
Maaring kang mag-Buy Term-Invest-the-Difference strategy, combining term insurance and mutual fund investing at 12% CAGR, para insured ka ng worth ₱1 million hanggang age 60 AT may investment na worth ₱2.5 million pag 60 ka na, o ₱4 million kapag 65 ka na!
The earlier you start, the better!
Paano ba makapagsimula?
Maari tayong magusap sa Facebook sa Ask the Money Coach
Two years ago, I “retired” from my corporate job, and planned to start my own business intelligence company. But something happened along the way.
I became an IMG member, and a happy warrior in the fight against poverty.
IMG started its mission to help Filipino families become financially free more than 18 years ago. Through the years, we helped Filipinos learn about money, provided access to hundreds of financial products, and helped many save money through discounts and rebates.
Here are eleven reasons to be among the more than one hundred thousand (100,000+) IMG members worldwide.
1. Financial education workshop
IMG has been giving free financial seminars for many years.
IMG recently launched its Global Campaign for Financial Literacy, and the target is one million financially literate families by 2020.There are now five new two-hour workshops on (1) increasing cash flow and debt management; (2) building a solid financial foundation and getting proper protection; (3) asset accumulation and growth; (4) asset and wealth preservation, and retirement planning; and (5) entrepreneurship.
IMG members get a FREE workbook to use in the workshops.
2. Free financial check-up
When you have questions/concerns about your health, you get a medical check-up. When you have car problems, you go get a car check-up.And if you have questions about your wealth and finances?
IMG members get FREE financial check-up from their trainers and mentors. Members sit beside their trainers to prepare personal financial needs analysis and create personal financial plan/blueprint.
1. Financial Workshops. 2. Financial Checkup 3. Asset Preservation Services. 4. Access and discounts to car, home and other non-life insurance. 5. Discount on real estate from SMDC, Ayala Land,DMCI and Vista Land.
3. Access to asset preservation services
We all strive to accumulate assets in our lifetime to pass to our family and next generation. And when God calls us home (unfortunately, sometimes a little sooner than expected), everybody tells our family they are sorry for the loss, but the government will first freeze your assets until your heirs pay up to 20% of the estate value in taxes.
Asset preservation is about an orderly transition of your assets to your heirs, according to your plans and wishes, and possibly about paying less taxes.IMG members have access to tools and services to setup corporations for asset preservation or other purposes through its corporate services partner company.
4. Discount on car, home, property, and other non-life insurance products
Do you need insurance for your home? Car? Equipment? Many people need insurance for many reasons, and sometimes it is a pain to get hold of the proper insurance agent, and pay sometimes expensive premiums.IMG members have access to a multitude of non-life insurance products from respected providers such as MAPFRE Insurance, QBE Insurance, Malayan Insurance, UCPB Gen, Prudential Guarantee, and many more.
IMG members also get discounts in the form of rebates on their own insurance requirements.If you own a business with non-life insurance requirements, the discounts on insurance alone is reason enough to be a member!
5. Discount from real estate companies
Many Filipinos eventually buy real estate, maybe a house and lot, or a condo, through a middleman such as a real estate agent or broker.IMG members buy directly from real estate giants like SM Development Company (SMDC), Ayala Land (ALI), Vistaland (VLL), and DMCI Homes, effectively bypassing the middlemen.
IMG members usually get another 2 to 3% discount on real estate purchases.On a P3M property, that is about 2% x P3,000,000 or P60,000.
Another reason to be an IMG member!
6. Access to affordable life insurance products and services
IMG members can enroll in its IMG group yearly renewable term plan with Philam Life, the biggest life insurance company in the Philippines. This plan is the most inexpensive in the market. For members below 36 years old, it costs about P3,600 ANNUAL premium to get a P1,000,000 life insurance coverage, with riders for accidental death, dismemberment and disablement (ADDD), including a P500,000 terminal illness benefit (TIB). That means a P1,000,000 coverage for as little as P10 a day.This is another benefit available to IMG members (with additional requirements).<
7. Access to short-term and long-term healthcare products and services
Most Philippine HMOs offer short term health care products to big companies for the benefit of their employees. This provides excellent healthcare to the generally young and healthy corporate employees while they are employed.Long term healthcare is like “pre-paid” healthcare.
Individuals pay for healthcare while they are relatively young and healthy and productive, planning to use the healthcare when they are old, sickly, unemployed or retired.Kaiser International Healthgroup Inc, a duly-accredited HMO in the Philippines (I think the third biggest HMO) registered as a Healthcare Provider and Accredited Broker for Other Health Care Companies, offers both short-term and long-term healthcare products, numerous corporate, schoool and government accounts ( House of Representatives, Court of Appeals, Public Attorney’s Office, Department of Agrarian Reform, Technological University of the Philippines, Honda Motor World, Makati Finance Corporation, Royal Oaks International School, Seminario de San Agustin, etc).
IMG members have access to innovative healthcare products from Kaiser International, Inc, including long term healthcare with investment component, and senior healthcare for age 61 – 100.
8. Enjoy zero load benefits to various mutual funds
Mutual funds are among the least understood secrets of the wealthy, mainly because mutual fund companies do not advertise or do much marketing. Yet, mutual funds are among the safest and easiest way to steadily grow your money.
The normal way to invest in these companies is to do your own research, choose, then go to each mutual fund company office, and pay up to 3.5% sales load (or commission) for those who handled the transaction.
IMG members can go to free mutual fund training and briefing sessions every month and discuss concerns with certified investment solicitors. Members consult other members, investment solicitors, even respected leaders in the mutual fund industry such as Rex Mendoza, found chairman of Rampver Financials to decide on which mutual funds to invest in.
Members can open mutual fund accounts for any of the 40+ mutual funds from Soldivo Funds, PhilEquity Management Inc (PEMO), PhilAm Asset management Inc(PAMI), First Metro Asset Management (FAMI), SunLife Financials, and ATRAM, from the IMG Financial Center in Makati, Cebu and Davao.AND the best part is….
IMG members enjoy ZERO load benefits when investing in any of these funds.
If you invest P100,000 directly in mutual fund through traditional channels, you may pay up to P3,500 in sales loads, effectively investing only P96,500.
If you invest P100,000 as an IMG members, through IMG, there is zero load and you invest the entire P100,000.
9. Business ownership program opportunity in the financial industry.
IMG members who want to increase their cashflow can earn extra income by helping other people save and invest, while keeping their job or business.Access to all of IMG’s partner companies is an optional business opportunity for members who could use it to build a career or big business in the financial industry.
6. Access to Life Insurance products. 7. Access to Healthcare products and services. 8. Access to mutual funds at ZERO load. Exclusive to IMG members. 9. Business Ownership program. 10. Opportunity to travel the world thru IMG business program.
10. Opportunities to travel the world for free through the IMG business program
IMG members who do the IMG business program and meet performance targets get subsidies to attend and enjoy the IMG local and international conventions, and free packages for international cruises.
11. Community of Savers and Investors
Enrolling in IMG means joining a community of savers and investors, enabling members to consult mentors, share experience and compare notes with other community members with similar values.
In IMG, you become friends with awesome people who will selflessly guide and encourage you to practice financial discipline in your journey to financial freedom.Enrolling in IMG means joining a community of savers and investors, enabling members to consult mentors.
If you want to lean more about IMG, you can start by attending our free seminar.
Fill out the form below to reserve your spot. Register early, there are limited slots available!
IMPORTANT:
If there is no form above, please refresh this page
A few minutes after you submit your registration, you will receive, in the email address you provided, a confirmation email asking you if you submitted the information to this form. This is to ensure that you (and not just someone who used your email address) knowingly registered your name.
YOU MUST CLICK on the confirmation link to complete your registration.
After you have confirmed, we will send you E-Ticket mail. If you do not receive the confirmation mail, or e-ticket, please check your spam mail in case it got over-enthusiastic and discarded our mails.
Usual Schedules in Makati
Every (Tuesday) at 9:30am and 2:00pm and 7:00pm
Every (Thursday) at 9:30am and 2:00pm and 7:00pm
Every (Saturday) at 9:30am and 2:00pm and 7:00pm
Venue: World Centre Bldg
Gil Puyat Ave (formerly Buendia)
Makati (in front of Mapua)
