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    Every Filipino Can Become A

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    gr8lyf
    The document provides tips on becoming a millionaire through regular small savings and compound interest over many years. It highlights some common "pitfalls" that prevent Filipinos from achieving financial success such as a lack of goals, vision, discipline and savings habits. It then provides examples of how small regular savings of as little as 20-120k per year invested at interest rates of 1-10% can grow into millions over 10-30 years through the power of compound interest and continued investments. It promotes starting to save and invest early in life. The document advertises Philam Life as the number one life insurer in the Philippines that can help people retire richer by making their money work for them.

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    Every Filipino Can Become A

    Uploaded by

    gr8lyf
    16 views18 pages
    The document provides tips on becoming a millionaire through regular small savings and compound interest over many years. It highlights some common "pitfalls" that prevent Filipinos from achieving financial success such as a lack of goals, vision, discipline and savings habits. It then provides examples of how small regular savings of as little as 20-120k per year invested at interest rates of 1-10% can grow into millions over 10-30 years through the power of compound interest and continued investments. It promotes starting to save and invest early in life. The document advertises Philam Life as the number one life insurer in the Philippines that can help people retire richer by making their money work for them.

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    The document provides tips on becoming a millionaire through regular small savings and compound interest over many years. It highlights some common "pitfalls" that prevent Filipinos from achieving financial success such as a lack of goals, vision, discipline and savings habits. It then provides examples of how small regular savings of as little as 20-120k per year invested at interest rates of 1-10% can grow into millions over 10-30 years through the power of compound interest and continued investments. It promotes starting to save and invest early in life. The document advertises Philam Life as the number one life insurer in the Philippines that can help people retire richer by making their money work for them.

    Copyright:

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    Download as PPT, PDF, TXT or read online from Scribd
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    Download as ppt, pdf, or txt
    16 views18 pages

    Every Filipino Can Become A

    Uploaded by

    gr8lyf
    The document provides tips on becoming a millionaire through regular small savings and compound interest over many years. It highlights some common "pitfalls" that prevent Filipinos from achieving financial success such as a lack of goals, vision, discipline and savings habits. It then provides examples of how small regular savings of as little as 20-120k per year invested at interest rates of 1-10% can grow into millions over 10-30 years through the power of compound interest and continued investments. It promotes starting to save and invest early in life. The document advertises Philam Life as the number one life insurer in the Philippines that can help people retire richer by making their money work for them.

    Copyright:

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    of 18

    Every Filipino

    Can Become
    a
    Millionaire!
    Pitfalls of the
    Pinoy Wannabes
    • Lack of Information
    • Pigado Mentality
    • Ningas Kugon
    • “Bahala na ang Ginoo” attitude
    • Utang is part of life
    Pitfalls of the
    Pinoy Wannabes
    • No Personal Vision and Goals

    DREAMS GOALS

    • Lack of Discipline –
    • a function of WHY
    • Save & invest BY OBJECTIVE
    • “I don’t have money to save.”
    • “Kulang pa nga gani ang kwarta
    ko…”
    What is your
    Frappe Factor?
    You’re now 20 years old:
    Frappe = 70 pesos
    30 days = 2,100/month
    1 year = 25,200/year
    @ 8% p.a. = Ps. 1,989,651 @45
    add 5 years = Ps. 3,083,115
    Add 10 more = Ps. 7,050,482
    What is your
    Frappe Factor?
    You’re now 20 years old:
    Eload = 20 pesos
    Internet/FB = 20 pesos
    30 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
    If you know YOUR WHY,
    discipline kicks in.
    Pay
    Yourself
    First!
    Is My
    Money

    ?
    Safe &
    Secure

    Stocks
    Bonds
    Stocks Life
    Bonds Insurance
    Personal Loans Company
    Liquidity
    The longer the term,
    the higher the
    potential return.
    Investment Principles

    8% VS.
    20%
    Blue Chip FRANC SUISSE /
    Legacy
    Investment Principles

    Who will have more money at age 60?

    A B
    20 years old 30 years old
    Saved 20,000 pesos/year Saved 20,000 pesos/year
    At 8% per annum At 8% per annum
    For 10 years For 30 years until retirement

    3,400,000 2,600,000
    Unmatched
    Financial Strength
    in the
    Life Insurance Industry

    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
    The
    Number 1
    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 the


    BusinessWorld 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.
    The
    Number 1
    life insurer in the Philippines.

    six consecutive Platinum Trusted Brand/Super Brand


    awards from Reader’s Digest Asia (2004-2009)
    Some Investment
    Principles
    Invest in long-term funds.
    Equities over the long-term have historically shown higher
    returns.

    Apply the strategy of cost-averaging.


    It’s 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.
    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 1,877,458.50
    9% 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
    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!


    amysy.syagency@gmail.com

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