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LOGOLOGO
INVESTMENT-BUSINESS-FINANCIAL PLANNING FORUM FOR PINOYS ABROAD
http://www.ofw-usapangpiso.com
HOW TO INVEST
Speaker:
Tristan Cristobal
OFW UsapangPiso Forum Pocket Seminars
ofwup
2Steps to Financial Security for OFW’s
Who We Are ?
Angat Pilipinas Coalition for Financial Literacy is a global non-profit organization of active and former Overseas Filipino workers (OFWs) and personal finance advocates who have bonded together as a support group to address issues, discuss concerns, and share knowledge with OFWs on entrepreneurship, investment, and financial literacy in order to contribute to poverty alleviation and improve the quality of life in the Philippines.
3Steps to Financial Security for OFW’s
Vision & Mission Statement
VisionVision
OFW UsapangPiso envisions a nation by the year 2020 where 100,000 or more former OFWs and dependents are financially-independent, entrepreneurial, and investing in the Philippine capital market.
By 2050, being an OFW comes as a choice rather than a need.
MissionMission
To provide affordable and accessible information on how to save and invest their money wisely through education and workshops, interactive online forum, webinars, social media, life-coaching, and by bridging resources from other organizations to active and former OFWs and their families.
It also aims to serve the best interest of its members and other stakeholders, and participate to the achievement of the nation's economic objectives.
4Steps to Financial Security for OFW’s
About The Speaker
He is a CPA, Daddy of a lovely daughter, and husband.
He is a financial educator advocate
He is the Western Regional Director – KSA of OFW Usapang Piso
He is currently working in Toyota as Compliance Officer
He is an entrepreneur
He is an investor of various investment vehicles like insurance investments, stocks, uitf etc…
He was exposed in their family business at a young age
He experienced the success and failure of their family business
He is a Financial Advisor of Pru Life UK
He practices basic yoga daily
He likes to watch anything that interests him, plays badminton, billiards, basketball, swimming etc..
He belongs to the generation of getting good grades to graduate and get a high paying job
He will soon escape his day job after the established safety net needed
Mobile # - 0542136373
Email: [email protected]
Tristan Cristobal
5Steps to Financial Security for OFW’s
SAD FACTS
Only 1% of Phil’s Population invests in Stock
Only 15% is successful while the remaining failed
Only 1.1% has life coverage
6Steps to Financial Security for OFW’s
Investment
– Is an asset that you buy to generate an economical value in the future
– Is use for financial personal planning– is not a get-rich quick scheme– controlling your finances– is a magic touch of TIME– fights back inflation – better than bank savings
7Steps to Financial Security for OFW’s
INVESTMENT VEHICLES
BUSINESS INVESTMENTS
STOCKS
PROTECTION (VUL -Variable Unit Linked)
MUTUAL FUNDS, UITF
PRECIOUS METALS
etc
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What’s your Purpose?
Protection
Cover emergencies
Education
Savings
Retirement Fund
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WEALTH FORMULA
SMALL amount of MONEY
+ BIG amount of TIME
= WEALTHY INVESTOR
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COMPOUNDING OF INTEREST
Year Invested Investment AInvestment A
Value in Year 20 @ 10%* growth20 60,000 66,006.60 19 60,000 72,639.23 18 60,000 79,893.48 17 60,000 87,847.73 16 60,000 96,618.36 15 60,000 106,382.98 14 60,000 116,959.06 13 60,000 128,479.66 12 60,000 141,509.43 11 60,000 155,440.41 10 60,000 171,428.57 9 60,000 188,087.77 8 60,000 206,896.55 7 60,000 228,136.88 6 60,000 251,046.03 5 60,000 275,229.36 4 60,000 303,030.30 3 60,000 333,333.33 2 60,000 365,853.66 1 60,000 402,684.56
TOTAL 1,200,000 3,777,503.96
*PSE Min Ave Growth from 1987-2010
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Investment Strategies
Small amount of Money (monthly)
Long term investment
Invest in strong companies (blue chip companies)
Market Timing
12Steps to Financial Security for OFW’s
UNDERSTANDING STOCK MARKET
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14Steps to Financial Security for OFW’s
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16Steps to Financial Security for OFW’s
Basic Consideration
Invest in Basic Needs– Food, Water, Shelter– Infrastructures
Invest in BIG Companies– Ayala, Sy, Gokongwei, Tan, etc
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18Steps to Financial Security for OFW’s
Philippine Online Stockbrokers
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Mutual Funds
20Steps to Financial Security for OFW’s
UNDERSTANDING POOLED FUNDS
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Kinds of Mutual Funds
EQUITY
75% - 90% invested in stocks
Average annual return: 15% - 20%
Medium risk, Higher risk compared to other MF types
For aggressive investors
Ideal for long term growth (5 years or more)
BALANCED
50% in stocks, 50% in fixed-income
Average annual return: 10% - 15%
Medium risk, Moderate risk compared to other MF types
For balanced investors
Medium to long term growth (3-5 years or more)
FIXED-INCOME
100% in fixed-income securities
Average annual return: 6% - 10%
Medium Risk, Lower risk compared to other MF types
For conservative investors
For long term capital preservation (5 years or more)
MONEY MARKET
100% in short term fixed-income securities
Average annual return: 1% - 2%
Medium Risk, Even Lower risk compared to other MF types
For very conservative investors
For short term capital preservation (1-2 years)
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Philippine Mutual Fund Companies
Source: www.pifa.com.ph
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Philippine Major Banks with UITF’s
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UNDERSTANDING VUL
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26Steps to Financial Security for OFW’s
27Steps to Financial Security for OFW’s
VULs
ProtectionExact
Period Term – 5yrs, 7yrs, 10yrs, 15yrs
Focus on Protection
Partial or Full Withdrawal based on available Fund Value
Investment either in:
Bond Fund, Managed Fund, Growth Fund, Equity Fund, Money Market, Active Fund
Risk would depend on Investment Vehicle
Ideal for long term growth
ProtectionAccount Plus
Life time payment
Focus on Protection
Partial or Full Withdrawal based on available Fund Value
Investment either in:
Bond Fund, Managed Fund, Growth Fund, Equity Fund, Money Market, Active Fund
Risk would depend on Investment Vehicle
Ideal for long term growth
Investor Account
Single Payment
Focus on Investment
Partial or Full Withdrawal based on available Fund Value
Investment either in:
Bond Fund, Managed Fund, Growth Fund, Equity Fund, Money Market, Active Fund
Risk would depend on Investment Vehicle
Ideal for short to long-term growth
Millionaire Account
Single Payment
Focus on Investment
Partial or Full Withdrawal based on available Fund Value
Investment either in:
Bond Fund, Managed Fund, Growth Fund, Equity Fund, Money Market, Active Fund
Risk would depend on Investment Vehicle
Ideal for short to long-term growth
Source: Pru Life Uk
28Steps to Financial Security for OFW’s Source: Pru Life Uk
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30Steps to Financial Security for OFW’s
Protection Account
Age : 45 -50Fund: Pro ActiveTerm: 10 Yr LifetimePremium 4000/mo (48k/Yr) 3000 (36K/yr)
BenefitsFinancial Products
PEP10 PAA+Sum assured P250,000 - 300,000 P600,000- 800,000 TPD, LCB, ADD P250,000 - 300,000 P600,000- 800,000
Number of YrsProjected Fund Value of Investment
Amount Amount10 Yr P518,276 - 542,774 P173,519 - 203,793
20 Yr P1,071,179- 1,186,627 P517,746 -658,734
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Age : 45-60Investment Link: ProActive FundSingle Premium P100,000 P1,000,000
BenefitsFinancial Products
PIA + PruMillionaire
Sum assured (25%)
25,000
250,000
Accelerated TPD -
-
Accidental Death & Disablement 100,000 -
Accidental TPD 100,000 -
Murder & Assault (included in PA-ADD)
50,000 -
Accidental medical reiumbursemnt
10,000 -
Number of YrsProjected Fund Value of InvestmentAmount Amount
1 Yr P94,602- 97,505 P1,005,328 -1,008,258 5 Yr P107,000 - 127,993 P1,357,271 -1,364,777 10 Yr P115,713 - 173,946 P1,903,903 -1,913,021 15 Yr P117,516 -234, 985 P2,624,033 -2,654,687
Investor Account
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33Steps to Financial Security for OFW’s
Top 5 Insurance Companies
Sun Life of Canada (Philippines) Inc
Philippine American Life & General
Philippine AXA Life Insurance
Pru Life Insurance Corp of UK
Manufacturers Life Ins Co (Phil)
Source: insurance.gov.ph
34Steps to Financial Security for OFW’s
Our Websites and Social Media Accounts
Our Main/Parent Site: – www.pinoymundobiz.org
(Angat Pilipinas Coalition for Financial Literacy)
OFW UsapangPiso Forum Site: – http://www.ofw-usapangpiso.com
Facebook Group– https://www.facebook.com/groups/OFWusapangpiso/
(Discussion Group and Forum Extension)
Twitter : – https://twitter.com/ofw_usapangpiso
35Steps to Financial Security for OFW’s
Things to remember
Where are you now financially?
What are your financial goals?
How are you going to achieve that goals?
LOGOLOGO
INVESTMENT-BUSINESS-FINANCIAL PLANNING FORUM FOR PINOYS ABROAD
http://www.ofw-usapangpiso.com
OFW UsapangPiso Forum Pocket Seminars
http://www.ofw-usapangpiso.com
Speaker:
Tristan Cristobal