Basic in

Investing
 THE TRUE MILLIONAIRE’S PRAYER
by: Bo Sanchez

Let us always remember that I commit myself to serve YOU Give me the ability to create
we are in the holy presence of and to serve the poor with my wealth that will bless the
God. wealth. world.

(sign of the cross for the Catholics) Today, I open myself to the Increase my financial wisdom
abundance of YOUR universe. and expand my territories.
Today, I ask you to bless me so
I may become a blessing, Use me as your channel of I place my life in YOUR hands.
Lord. love. AMEN.

But because, I cannot give

what I do not have, I commit
myself to become truly rich.
 LEWALYN M. BAUTISTA
Naga City, Camarines Sur

Former Bank Employee (2009-2017)

Self-employed at WALYN ENTERPRISES

(2017-present)

IMG MARKETING DIRECTOR

IMG FINANCIAL EDUCATOR

LICENSED LIFE INSURANCE UNDERWRITER

“My Mission is to educate people to

properly understand the use of financial
resources to make decisions including “The goal isn’t MORE MONEY. The goal is
how to generate, invest, spend, and
save money.”
FINANCIAL FREEDOM.”
 ADDRESS:

9F, King’s Court 1 Building 2129 Chino Roces

Avenue, Makati City, Philippines

SEC REGISTRATION NO: A200203947

WHO WE ARE
The IMG system originated in the US IMG is one of the biggest and fastest
and Canada in 1977. growing financial services marketing
companies.
The IMG system started in the
Philippines around 1998
 ADDRESS:

9F, King’s Court 1 Building 2129 Chino Roces

Avenue, Makati City, Philippines

SEC REGISTRATION NO: A200203947

WHAT WE DO
We assist families who want to help themselves build and achieve financial security
through financial education and BUILDING A SOLID FINANCIAL FOUNDATION.
 ADDRESS:

9F, King’s Court 1 Building 2129 Chino Roces

Avenue, Makati City, Philippines

SEC REGISTRATION NO: A200203947

WHY WE DO IT
OUR MISSION: TO HELP CREATE WEALTH FOR FAMILIES

WE WANT TO MAKE A DIFFERENCE FOR FAMILIES!

 ADDRESS:

9F, King’s Court 1 Building 2129 Chino Roces

Avenue, Makati City, Philippines

SEC REGISTRATION NO: A200203947

OUR CORE PURPOSE

STOP POVERTY!
END FINANCIAL ILLITERACY!
Many people are financially struggling due to lack of financial information.
IMG’s Global Financial Literacy Campaign

We are committed to deliver world’s financial wake-up call!

NO FAMILY LEFT BEHIND!
 PIGGY BANK BE LIKE

A vast majority of Filipinos

DO NOT SAVE REGULARLY and
have VERY LITTLE or NO SAVINGS!
SAVINGS VS INVESTMENT
SAVINGS INVESTMENT
YOU SAVE TO SPEND YOU INVEST TO EARN
YOU SPEND LESS NOW TO SPEND YOU SPEND LESS NOW TO SPEND
THE SAME IN THE FUTURE MORE IN THE FUTURE
FOR SHORT-TERM GOALS FOR LONG-TERM GOALS
LOWER RISK – LOW RETURN HIGH RISK – HIGH RETURN
DO NOT BEAT INFLATION BEAT INFLATION
 WHY
SHOULD
YOU
INVEST?
 INFLATION
(INVESTOPEDIA) – the
rate of which the
general level of prices
of goods is rising, and
consequently, the
purchasing power of
currency is falling.
 EFFECT OF INFLATION

BEFORE AFTER
 ARE YOU FINANCIALLY SMART?
Did you know?
IF YOU SAVE 10,000 TODAY IN A BANK SAVINGS DEPOSIT ACCOUNT, YOUR MONEY IS LOSING
ITS VALUE YEAR AFTER YEAR!
Amount of savings Php10,000.00
Add: .25% interest 25.00
Less: Withholding tax at 20% (5.00)
Net Amount After Tax 10,020.00
Less: Inflation Rate at 5% (500.00)
ACTUAL RETURN Php9,520.00
YOU LOSE!

Learn the effect of Taxes and Inflation on your purchasing power!

 WHY SHOULD YOU INVEST?
P10,000 MONTHLY INVESTMENT
SAVINGS TIME DEPOSIT STOCKS OR
ACCOUNT MUTUAL FUND

MONTH .25% P.A. 2% P.A. 12% P.A.

1 10,000 10,000 10,000

240 (20 YEARS) 2.46M 2.9M 8.65M

TO GROW YOUR MONEY!!

THIS IS THE POWER OF COMPOUNDING INTEREST
THE SECRET OF THE RICH PEOPLE

THE MAGIC OF
COMPOUND INTEREST
(Rule of INTEREST
COMPOUND 72) – interest earning interest
ALBERT EINSTEIN called the compound interest the
8th wonder of the world & mankind’s greatest invention
because it is the mightiest force ever unleashed for the
amassing of wealth.
THE RULE OF 72
(by: Albert Einstein)

Number of
72 Years
Interest Rate = to
DOUBLE
Your Money
 THE RULE OF 72
(by: Albert Einstein)

72 ÷ 4 = 18 72 ÷ 8 = 9 72 ÷ 12 = 6
Money doubles every Money doubles every Money doubles every
18 years 9 years 6 years
AGE 4% AGE 8% AGE 12%
YOU YOUR OFFICEMATE YOUR FRIEND
29 ₱ 100,000 29 ₱ 100,000 29 ₱ 100,000
47 ₱ 200,000 38 ₱ 200,000 35 ₱ 200,000
65 ₱ 400,000 47 ₱ 400,000 41 ₱ 400,000
56 ₱ 800,000 47 ₱ 800,000
4x 65 ₱ 1,600,000 53 ₱ 1,600,000
59 ₱ 3,200,000
16x 65 ₱ 6,400,000

LET YOUR MONEY WORK FOR YOU, NOT FOR OTHERS!

 WEALTH BUCKET

ALLIES OF WEALTH
MONEY
ROR +
TIME ENEMIES OF WEALTH
INFLATION BAD DEBTS TAXES
INVESTMENT
3 FINANCIAL STAGES
TYPES OF INCOME
 ACTIVE INCOME
• JOB - SALARY
• DOCTOR – PATIENT
• LAWYER – CLIENT
• OFW/ SEAFARER – CONTRACT/ALLOTMENT
• AGENT – COMMISSION

You Work Hard for the Money

 PASSIVE INCOME
1. Income keeps coming even if you’re not working.
2. You stop working, your income continues.
- Rentals Income – Apartment, Condominium
- Royalty Income – Franchise, Patent, Literary Works, Composition

Don’t work hard for the money.

LET YOUR MONEY WORK FOR YOU
 PORTFOLIO INCOME
1. Earnings generated from various types of investments.
- Investment Income –Stocks, Mutual Funds, Derivatives and Long-
Term Healthcare
- Interest Income – Bonds, Treasury Bills

Don’t work hard for the money.

LET YOUR MONEY WORK FOR YOU
 PORTFOLIO INCOME
1. Earnings generated from various types of investments.
- Investment Income –Stocks, Mutual Funds, Derivatives and Long-
Term Healthcare
- Interest Income – Bonds, Treasury Bills

Don’t work hard for the money.

LET YOUR MONEY WORK FOR YOU
 BASIC
CONSIDERATIONS
BEFORE INVESTING
DEFINE YOUR FINANCIAL GOALS
 TIME HORIZON
P-T-T PURPOSE TARGET TIMELINE

RETIREMENT FUND 5 MILLION 20 YEARS FROM NOW

LONG TERM HEALTHCARE 2 MILLION 20 YEARS FROM NOW

PURPOSE
EDUCATIONAL FUND 3 MILLION 10 YEARS FROM NOW

TARGET DREAM CAR 1 MILLION 5 YEARS FROM NOW

DREAM HOUSE 2 MILLION 5 YEARS FROM NOW

TIMELINE DREAM VACATION 1 MILLION 3 YEARS FROM NOW

TOTAL 14 MILLION
 RISK TOLERANCE

FIND THE BEST FINANCIAL VEHICLES

 TYPES OF
INVESTMENT
DIRECT INVESTMENT INDIRECT INVESTING

(MANAGED FUND or
(DIRECT STOCKS) MUTUAL FUNDS)

Is in which an investor Is an investment in a

directly acquires a claim collection of securities
on a security or property. managed by a
professional fund
manager.
 DIRECT STOCKS

ADVANTAGES:
 can beat inflation4
 great for long-term investing

DISADVANTAGES:
 Normally requires big amount to start
with
 You’ll have to study charts, monitor prices
and time the market by yourself.
 Works well for full-timers
 High risk
 MUTUAL FUNDS

 HIGHLY LIQUID
 PROFESSIONALLY MANAGED
 STRESS-FREE INVESTING
 HIGH RETURN
 CONVENIENT
 AFFORDABLE
IDEAL FOR PEOPLE WHO:
 SAFE AND TRANSPARENT
 Have no time to trade
 BEAT INFLATION  Have limited amount of
 DIVERSIFICATION money
 Are not an expert
 NON-TAXABLE
MUTUAL FUND INVESTMENT
STOCK INVESTMENT IS OWNERSHIP.
YOU ARE BUYING SHARES OF STOCKS OF THESE COMPANIES.
HOW MUTUAL FUND WORKS?
 PROFESSIONALLY MANAGED

THERE IS AN EXPERT AND FULL-

TIME FUND MANAGER AND HIS
TEAM OF ANALYSTS WHO WILL
STUDY STOCKS AND MONITOR
FOR YOU.
 AFFORDABLE

MUTUAL FUNDS HAVE A LOW CAPITAL REQUIREMENT

P1,000
INITIAL INVESTMENT
ADDITIONAL INVESTMENT
STARTS AT 20 PESOS
 DIVERSIFICATION

SPREADING INVESTMENTS INTO

VARIOUS VEHICLES TO MINIMIZE
RISK.
 CONVENIENT

NO NEED TO STUDY OR TIME THE INVESTORS MAY PAY THROUGH

MARKET. WHAT INVESTORD NEED TO BANK DEPOSITS, BANK TRANSFERS,
DO IS INVEST REGULARLY. GCASH, PALAWAN EXPRESS, ETC.

IT’S STRESS-FREE!!!
 LIQUIDITY

MUTUAL FUND INVESTORS CAN REDEEM THEIR INVESTMENTS

ANYTIME, AND EXPECT THE MONEY WITHIN 7 BANKING DAYS
FROM REDEMPTION REQUEST.
 NON-TAXABLE

CAPITAL GAINS FROM MUTUAL FUND

INVESTMENT ARE TAX-FREE! (AS STATED IN
R.A. 8424 OR TAX REFORM ACT OF 1997)
 SAFETY & SECURITY
MUTUAL FUNDS ARE HIGHLY REGULATED
BY THE SECURITIES AND EXCHANGE
COMMISSION (SEC)
RESTRICTIONS:
• Cannot invest more than 10% of its
assets in any security other than the
government.
• Operating cost should not exceed
10% of previous year’s net asset.
• They cannot borrow without 300%
coverage.
• Not covered by PDIC. RA 3591
TYPES OF MUTUAL FUND
 MUTUAL FUND EARNINGS

CAPITAL GAINS DIVIDEND INTEREST

NAVPS of the time the Any cash or shares of Any cash or shares of
shares are bought stocks distributed to stocks distributed to
minus the NAVPS of the shareholders as a the shareholders as a
the time the shares result of the result of the
are redeemed. company’s earnings. company’s earnings.
 PRICE PER SHARES OF STOCK

NET ASSET VALUE PER SHARE (NAVPS)

IT REFERS TO THE DIFFERENCE BETWEEN ASSETS (AT CURRENT VALUE) AND

LIABILITIES OVER THE NUMBER OF OUTSTANDING SHARES.

NAVPS changes DAILY.

27,695 shares x 24.8929000= 689,408.8655
HOW TO EARN IN THE CAPITAL APPRECIATION
STOCK MARKET? DIVIDEND
If a person invested last August with
P 10,000.00 in DITO TELECOM
As of September 22, 2021- 7.88 per share

August 2020 September, 2021

P10,000 3,367 shares
÷ 2.97 x P7.88 =
= 3,367 shares P 26,531.96

TOTAL EARNING:
P 16,531.96 or 165%
 SCENARIO 1 YOU HAVE 1000 PESOS/ MONTH
TO INVEST.
25 25

50
shares
20 55.55 20
shares
62.50
shares ₱ 20
71.43
15 shares ₱ 18 15
83.33
100 shares ₱ 16
shares ₱ 14
price/ share
10 10
₱ 12 Open
₱ 10

TOTAL SHARES = 422.81

5 5
LAST SHARE x
PRICE = ₱ 20
TOTAL VALUE =
0 0 ₱8456.20
month 1 month 2 month 3 month 4 month 5 month 6 TOTAL -
CONTRIBUTION = ₱6000.00
GAIN AFTER 6
MONTH = ₱2456.00
 SCENARIO 2 YOU HAVE 1000 PESOS/ MONTH
TO INVEST.
12

10 100 100
shares shares

₱ 10
8
142.90 ₱ 10 price/ share
142.90
shares
shares Open
166.70
6 shares
₱7 200
shares ₱7

₱6
4
TOTAL SHARES = 852.50
₱5 X
LAST SHARE
PRICE = ₱10
2 TOTAL VALUE = ₱8525.00
TOTAL -
CONTRIBUTION = ₱6000.00
0 GAIN AFTER 6
month 1 month 2 month 3 month 4 month 5 month 6 MONTH = ₱2525.00
 SCENARIO 3 YOU HAVE 1000 PESOS/ MONTH
TO INVEST.
12
100
shares
10
₱ 10

price/ share
Open
6
200
250
shares
shares
₱4 ₱5
4
500 TOTAL SHARES = 2550
shares 500 LAST SHARE X
shares PRICE = ₱5
1000
2 ₱2 shares TOTAL VALUE = ₱12,750.00
₱2
TOTAL -
₱1 CONTRIBUTION = ₱6000.00
0 GAIN AFTER
6 MONTHS = ₱6750.00
month 1 month 2 month 3 month 4 month 5 month 6
 HOW COMPOUNDING INTEREST WORK FOR US?
GET RICH SLOWLY . STEADILY SAVINGS
Monthly Annual
Savings Interest Number of Years
5 10 13 15 20 30
4% 66,520.00 147,741.00 204,853.00 246,997.00 367,997.00 696,363.00
8% 73,967.00 184,166.00 274,740.00 348,345.00 592,947.00 1,500,295.00
P1,000
10% 78,082.00 206,552.00 32,600.00 417,924.00 765,687.00 2,279,325.00
12% 82,486.00 232,339.00 375,931.00 504,575.00 999,148.00 3,529,914.00
4% 133,040.00 295,481.00 409,705.00 493,822.00 735,994.00 1,392,726.00
8% 147,933.00 368,331.00 549,480.00 696,690.00 1,185,894.00 3,000,590.00
P2,000
10% 156,165.00 413,104.00 641,199.00 835,849.00 1,531,394.00 4,558,651.00
12%
4%
164,973.00
199,560.00
CONSISTENT
464,678.00
443,222.00
751,862.00 1,009,152.00
614,558.00 740,732.00
1,998,296.00
1,103,992.00
7,059,828.00
2,089,089.00
P3,000
8%
10%
LONG-TERM INVESTMENT
221,900.00
234,247.00
552,497.00
619,656.00
824,220.00 1,045,035.00
961,799.00 1,253,773.00
1,778,842.00
2,297,091.00
4,500,886.00
6,837,976.00
12% 247,459.00 Is KEY
697,017.00 1,127,793.00 1,513,728.00 2,997,444.00 10,589,741.00
4% 332,600.00 738,703.00 1,024,263.00 1,234,554.00 1,839,986.00 3,481,815.00
8% 369,834.00 920,828.00 1,373,699.00 1,741,726.00 2,964,736.00 7,501,476.00
P5,000
10% 390,412.00 1,032,760.00 1,602,998.00 2,089,621.00 3,828,485.00 11,396,627.00
12% 412,432.00 1,161,695.00 1,879,656.00 2,522,880.00 4,995,740.00 17,649,569.00
4% 465,640.00 1,034,184.00 1,433,969.00 1,728,376.00 2,575,980.00 4,874,540.00
8% 517,767.00 1,289,160.00 1,923,179.00 2,438,416.00 4,150,631.00 10,502,066.00
P7,000
10% 546,577.00 1,445,864.00 2,244,198.00 2,925,470.00 5,359,878.00 15,955,277.00
12% 577,405.00 1,626,734.00 2,631,518.00 3,532,032.00 6,994,035.00 24,709,396.00
4% 665,200.00 1,477,406.00 2,048,527.00 2,469,108.00 3,679,972.00 6,963,629.00
8% 739,667.00 1,841,657.00 2,747,399.00 3,483,451.00 5,929,472.00 15,002,952.00
10% 780,824.00 2,065,520.00 3,205,997.00 4,179,243.00 7,656,969.00 22,793,253.00
P10,000 12% 824,864.00 2,323,391.00 3,759,311.00 5,045,760.00 9,991,479.00 35,299,138.00
 BUILDING A SOLID FINANCIAL FOUNDATION

Recession-Proof Earthquake-
Proof
Pandemic-Proof Crisis-Proof

Weather-Proof INVESTMENT Strong Financial

Future
Adaptable to a EMERGENCY FUND
changing world Be wealthy,
Stay Wealthy
MANAGE DEBT

LIFE INSURANCE

HEALTHCARE

INCREASE CASHFLOW

NEVER ALLOW YOUR FAMILY TO LIVE IN A HOUSE WITH WEAK FOUNDATION

 BUILDING A SOLID FINANCIAL FOUNDATION

In the Philippines, a lot of sick people

die not because there is no medicine
but because they don’t have money to
pay for the costs.
INVESTMENT

EMERGENCY FUND
Majority of personal bankruptcy is due
MANAGE DEBT to medical crisis
LIFE INSURANCE

HEALTHCARE PROTECT YOUR HEALTH AND

PROTECT YOUR INVESTMENT
INCREASE CASHFLOW
 BUILDING A SOLID FINANCIAL FOUNDATION

INVESTMENT

EMERGENCY FUND

MANAGE DEBT
WHAT IF YOU DIE TOO SOON… WHO
LIFE INSURANCE
WILL TAKE CARE OF YOUR FAMILY?
HEALTHCARE

INCREASE CASHFLOW
 BUILDING A SOLID FINANCIAL FOUNDATION

INVESTMENT

EMERGENCY FUND
DEBT IS A TERMITE THAT WILL EAT
MANAGE DEBT
THE FOUNDATION OF YOUR
FINANCIAL HOUSE
LIFE INSURANCE

HEALTHCARE

INCREASE CASHFLOW
 BUILDING A SOLID FINANCIAL FOUNDATION

INVESTMENT

EMERGENCY FUND

MANAGE DEBT
PROTECT YOUR INVESTMENT
LIFE INSURANCE AGAINST “LIFE’S LITTLE DISASTER
AND TO AVOID DEBT
HEALTHCARE

INCREASE CASHFLOW
 BUILDING A SOLID FINANCIAL FOUNDATION

REACH YOUR FINANCIAL GOALS….

INVESTMENT WHAT IF YOU LIVE TOO LONG… WHO
WILL TAKE CARE OF YOURSELF?
EMERGENCY FUND

MANAGE DEBT

LIFE INSURANCE

HEALTHCARE

INCREASE CASHFLOW
 BUILDING A SOLID FINANCIAL FOUNDATION

INVESTMENT
ORDER OF PRIORITY

EMERGENCY FUND

MANAGE DEBT

LIFE INSURANCE

HEALTHCARE

INCREASE CASHFLOW

LIKE BUILDING A HOUSE, BUILD IT FROM GROUND GOING UP!

 THE BEST INVESTMENT
“The best investment
you can make is an
investment in yourself.
The more you learn, the
more you earn.”
WHO CAN HELP YOU BUILD YOUR
SOLID FINANCIAL FOUNDATION?

A B
 BY-PASS the Middleman

✓ Direct Access to the Financial Companies

✓ Enjoy Discounts from the Financial Products
you buy
✓ Become Your Own Money Manager
DO YOU WANT A
HASSLE-FREE
PROCESSING?
BE AN IMG MEMBER TODAY
 LET’S DO IT

Financial Education is useless without Financial Execution.

You cannot build a SOLID FINANCIAL FOUNDATION with knowledge only.
Knowing what to do is not enough… you still need to do it!

YOU CANNOT BUILD A SOLID FINANCIAL FOUNDATION

WITHOUT FINANCIAL PRODUCTS.
Understand how these products work because the cost is charged to you!

Do you want to buy from middlemen,

or you want to by-pass the middlemen?
 START NOW!
WHETHER YOU’RE READY OR NOT!
WE GROW OLDER EVERYDAY!
OUR CHILDREN GROW OLDER EVERYDAY!
OUR PARENTS GROW OLDER EVERYDAY!
What if 10 years from now, you wake up and you realize you accomplish nothing?
Or you started nothing?
 LEWALYN M. BAUTISTA
IMG Marketing Director
IMG Financial Educator
0946-191-9855
Lewalynbautista.img@gmail.com