FINANCIAL WELLNESS

DLSU DASMARINAS
JUNE 20,2018
•MONEY IS A TOOL TO
REACH YOUR
DREAMS. MONEY IS
NOT THE END RESULT,
BUT IT IS THE TOOL
TO HELP YOU BUILD
FINANCIAL FREEDOM
& SECURITY.
 WHAT
MATTERS
MOST?
TOP REASONS WHY
FILIPINOS FAILED TO
SAVE

1. NO MONEY TO SAVE
INCOME-SAVINGS= EXPENSES
2.Wrong Spending Habits- In terms of spending,
we Filipinos live & spend extravagantly. We want to
have the latest cellphone, latest shoes and anything
that is trending. One day millionaire is kicking in.

3.Procrastination- “Bukas na Attitude”

4. NO PLAN OR BAHALA
NA ATTITUDE
5. FAMILY & FRIENDS
6. FINANCIALLY
ILLITERATE
7. LIMITED INVESTMENT
& SAVINGS KNOWLEDGE
FINANCIAL TIPS ON HOW WE CAN SAVE
• PAY YOURSELF FIRST. MONEY IS THE BEST EMPLOYEE.
IT WORKS 24 HOURS A DAY WITHOUT GETTING TIRED. MAKE
YOUR MONEY WORK FOR YOU.
• IT’S ‘S
BETTER TO TELL YOUR MONEY WHERE
TO GO THAN ASK YOURSELF WHERE IT WENT.
• ASSETS FEED YOU, LIABILITIES EAT YOU.
• DO NOT PUT ALL YOUR FINANCIAL EGGS INTO
ONE BASKET.
 FINANCIAL TIPS ON HOW WE CAN SAVE
SAVE EARLY.SAVE OFTEN.
• MATCH YOUR GOALS WITH THE RIGHT INVESTMENT VEHICLE.
DO NOT TAKE THE TRICYCLE IF YOU WANT TO GO TO AMERICA.
• IN INVESTING, YOU ARE WILLING TO WAIT. PRACTICE CONSISTENT
ADDING TO YOUR INVESTMENT NOT JUST ONE TIME. IT IS DIFFICULT TO TIME THE
MARKET.
• BEAT INFLATION. INTEREST IN THE BANKS OFFER LOWER RATES THAN
INFLATION. AS A RESULT, YOUR MONEY BECOMES LESS THAN ITS ORIGINAL VALUE.
IMAGINE THIS…
Initially you had 1,000,000 in 2000
That year, somebody stole you 40,000
Then 65,280 in 2001 By 2012, you were left with only
Then 26,842 in 2002
Then 30,376 in 2003 P 535,514.
Then 50,250 in 2004
Then 59,832 in 2005 Your money in the bank is
Then 45,100 in 2006
Then 19,105 in 2007 1,219,000 but its value is only
Then 61,679 in 2008
Then 19,250 in 2009 more than half a million.
Then 22,127 in 2010
Then 24,647 in 2011
In total, he stole 464,486 in 12 years
SHOULD YOU LEAVE IT TO EARN AT AN
AVERAGE OF 6% PER ANNUM

YOUR MONEY SHOULD HAVE BEEN

P1,689,000.00
FINANCIAL TIPS ON HOW WE CAN SAVE
AND THE MOST IMPORTANT OF ALL, PROTECT
YOURSELF & YOUR ASSETS!
BEFORE THINKING OF SAVINGS & INVESTMENT, MANAGE THE
RISKS YOU ARE FACED EVERYDAY.
 MASLOW’S HIERARCHY OF NEEDS

HOW DOES THIS AFFECT

OUR DAILY DECISIONS
IN LIFE?
 HIERARCHY OF
Wealth FINANCIAL
NEEDS
Preservation
&
Distribution

Wealth Management

Risk Management
“Let your dreams be
bigger than your
fears and your
actions be louder
than your words”.
HOW TO START?

CHANGE A HEAD
TO MAKE A CHANGE AHEAD!
THANK YOU.
I. RISK MANAGEMENT
Children’s education
•DYING TOO Home mortgage
Family’s daily expenses
SOON
Loans
I. RISK MANAGEMENT
 Health fund

•LIVE TOO LONG  Daily expenses

 Emergency Fund
II. WEALTH ACCUMULATION
Children’s Education
SAVINGS & INVESTMENT  Comfortable Retirement
Family Planned Vacation
 House
 Car
 Appliances
III. WEALTH DISTRIBUTION
•BE SURE THAT WHAT YOU HAVE SAVED WILL BE GIVEN TO
YOUR BENEFICIARIES EQUITABLY , FAIRLY & LEGALLY.
•WITH LIFE INSURANCE, YOU CAN DISTRIBUTE YOUR ASSET
UP TO LAST CENTAVO.
PHILAMLIFE
IS THE
LEADING LIFE
INSURANCE
COMPANY
What are your financial
goals ?
WHAT
MATTERS
MOST?