retire rich 2 scribd

8/6/2019 Retire Rich 2 Scribd

1/18

Every FilipinoEvery Filipino

Can BecomeCan Becomeaa

Millionaire!Millionaire!


2/18


3/18

Pitfalls of the

Pinoy Wannabes Lack of Information

Pigado Mentality

Ningas Kugon

Bahala na ang Ginoo attitude

Utang is part of life


4/18

No Personal Vision and Goals

Lack of Discipline

a function of WHY

Save & invest BY OBJECTIVE

I dont have money to save.

Kulang pa nga gani ang kwarta

ko

Pitfalls of the

Pinoy Wannabes

DREAMS GOALS


5/18

What is your

Frappe Factor?Youre now 20 years old:

Frappe = 70 pesos

30 days = 2,100/month

1 year = 25,200/year

@ 8% p.a. = Ps. 1,989,651 @45add 5 years = Ps. 3,083,115

Add 10 more = Ps.7,050,482


6/18

What is your

Frappe Factor?Youre now 20 years old:

Eload = 20 pesos

Internet/FB = 20 pesos30 days = 1,200/month

1 year = 14,400/year

@ 8% p.a. = Ps. 1,136,943 @45

add 5 years = Ps. 1,761,780

Add 10 more = Ps.4,028,846


7/18

Ifyou know YOUR WHY,

discipline kicks in.


8/18

Pay

Yourself

First!


9/18

Safe &Secure

Life

Insurance

Company

Is My

Money

Stocks

Bonds

Stocks

Bonds

Personal Loans


10/18

Liquidity

The longer the term,

the higher the

potential return.


11/18


12/18

Investment Principles

Who will have more money at age 60?

A B20 years old

Saved 20,000 pesos/yearAt 8% per annum

For 10 years

30 years old

Saved 20,000 pesos/yearAt 8% per annum

For 30 years until retirement

3,400,000 2,600,000


13/18

Net income of P3.3 billion in 2008

Investment income of P10.2 billion

Total revenues P34.6 billion

Gross premiums P17.9 billion

Consolidated assets P158.6 billion

Stockholders equity P27.7 billion

Life Insurance In-force of P442.6 billion

Insurance & Plan Benefit Payments of P8.8 billion

*Based on 2008 Performance

Unmatched

Financial Strength

in the

Life Insurance Industry


14/18

The

Number1

life insurer in the Philippines.

Philam Life is ranked number one in the Philippine life insurance

industry in terms of Premium Income, Assets and Investments.

Philam Life is one of the 40 largest companies in theBusinessWorld Top 1000 Corporations in the Philippines.

Philam Life has 98 Billion pesos in policy reserves.

Philam Life is the only life insurance company to have received

the Presidential Citation from the Philippine government for its

invaluable contribution to nation-building.

*Based on 2008 Performance


15/18

The

Number1

life insurer in the Philippines.

six consecutive Platinum Trusted Brand/Super Brand

awards from Readers Digest Asia (2004-2009)


16/18

Some Investment

PrinciplesInvest in long-term funds.

Equities over the long-term have historically shown higher

returns.

Apply the strategy of cost-averaging.Its a technique of investing regularly, regardless of the share

price. It lessens the risk of investing a large amount in a single

investment at a wrong time.

Make additional investment when stocks are down.When equities decline in a fundamentally sound market, it

provides investors with opportunities for bargain-hunting.


17/18

How much money will you have at the

end of 10th year after 10 years of

Regular Savings?Regular Savings ( Using Cost Averaging)

Annual Savings 20,000 24,000 30,000 60,000 100,000 120,000

1% 211,336.69 253,604.03 317,005.04 634,010.08 1,056,683.47 1,268,020.16

2% 223,374.31 268,049.17 335,061.46 670,122.93 1,116,871.54 1,340,245.85

3% 236,155.91 283,387.10 354,233.87 708,467.74 1,180,779.57 1,416,935.48

4% 249,727.03 299,672.43 374,590.54 749,181.08 1,248,635.14 1,498,362.17

5% 264,135.74 316,962.89 396,203.61 792,407.23 1,320,678.72 1,584,814.46

6% 279,432.85 335,319.42 419,149.28 838,298.56 1,397,164.26 1,676,597.12

7% 295,671.99 354,806.38 443,507.98 887,015.96 1,478,359.93 1,774,031.92

8% 312,909.75 375,491.70 469,364.62 938,729.25 1,564,548.75 1,877,458.509% 331,205.87 397,447.04 496,808.80 993,617.60 1,656,029.34 1,987,235.21

10% 350,623.34 420,748.01 525,935.01 1,051,870.02 1,753,116.71 2,103,740.05

12% 393,091.67 471,710.00 589,637.50 1,179,275.00 1,965,458.33 2,358,549.99

15% 466,985.52 560,382.62 700,478.28 1,400,956.56 2,334,927.60 2,801,913.12


18/18

WHAT CAN WE DO FOR

YOU? Help you make your money

work for you better;

Help protect your money;

Help protect the goose that lays

the golden eggs

HELP YOU RETIRE RICHER!

[email protected]

retire rich 2 scribd

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