FINANCIAL COACHING

DREAMS
Make It Happen

Focus on the habit of Investing

Building a New Industry

This is IMGs MissionTo make families achieve Financial Security.

Part-time business
Classify needs and wants

Pay Yourself First

I

N C O M E

EXPENSES
WANTS

NEEDS

DEBTS

SAVINGS

POVERTY FORMULA
INCOME EXPENSES = SAVINGS

I N C O M E

10%

20%

TITHES

SAVINGS

70% - EXPENSES
NEEDS

WANTS

PROSPERITY FORMULA
INCOME THITES SAVINGS = EXPENSES

DEBTS

This is IMGs MissionTo make families achieve Financial Security.

Part-time business
Classify needs and wants

Live simply
Help us to avoid debt traps

Before building our wealth

We need protection for health, life & assets

Credit cards

Criteria on Protection:
1.

2.

Get the maximum benefit

* Healthcare
* Insurance
* Investment linkage (passive income)
Go for term insurance
* Short payment period
* Short coverage period but with higher
returns

The X-Curve Concept

Food
Shelter
Clothing
Education
Healthcare
Debts/Loans

Healthcare
Retirement

STAGE 1

STAGE 2

Life Insurance

INCOME (ACTIVE)
You work hard for the money

YOUNGER
DIE TOO SOON
Protection

ACTIVE AND PASSIVE

INCOME

LIFE

INCOME (PASSIVE)
Money works for You

OLDER
LIVE TOO LONG
Investment

This is IMGs MissionTo make families achieve Financial Security.

Part-time business
Classify needs and wants
Credit cards
Live simply

Help us to avoid debt traps

Before building our wealth

We need protection for health, life & assets

Acquiring assets: mutual funds, stocks or property

Rule of 72
Dividing the number 72 by the interest rate of your savings or investments
will give the estimated number of years it will take for your money to double
72 4 = 18
Money doubles every 18 years

Age

29
47
65

4%

Php 100,000
Php 200,000
Php 400,000

72 8 = 9

72 12 = 6
Money doubles every 6 years

Money doubles every 9 years

Age

29
38
47
56
65

8%

Php 100,000
Php 200,000
Php 400,000
Php 800,000
Php 1,600,000

4X
16X

Age

12%

29
35
41
47
53
59
65

Php 100,000
Php 200,000
Php 400,000
Php 800,000
Php 1,600,000
Php 3,200,000
Php 6,400,000

With Consistent & Disciplined Approach

You Can Create your Millions

Time is your best ally.

Procrastination is your worst enemy

This is IMGs MissionTo make families achieve Financial Security.

Part-time business
Classify needs and wants
Credit cards
Live simply
Help us to avoid debt traps

Before building our wealth

We need protection for health, life & assets

Acquiring assets: mutual funds, stocks or property

Finally, we need to prepare how to

Building a Solid Financial Foundation

INVESTMENT
EMERGENCY FUND
DEBT MANAGEMENT
PROTECTION: INSURANCE
HEALTHCARE
INCREASE CASH FLOW

BUILD IT RIGHT. BUILD IT STRONG

 BUILD IT RIGHT. BUILD IT STRONG

Building a New Industry

IMG - Levels of Action

LEVEL 1. HEALTHCARE - TERM INSURANCE
LEVEL 2. MUTUAL FUNDS
LEVEL 3. STOCK MARKET
LEVEL 4. REAL ESTATE PROPERTIES
LEVEL 5. BUSINESS

LEVEL 1:

HMO No. IB-NCR-52-07-10

INVESTMENT
EMERGENCY FUND
DEBT MANAGEMENT
PROTECTION: INSURANCE
HEALTHCARE
INCREASE CASH FLOW

http://www.kaiserhealthgroup.com/

LEVEL 2:

HOW MUTUAL FUNDS WORKS?

PRIMARY REASONS TO INVEST IN MUTUAL FUNDS

1. Professional management
2. Low capital requirement
3. Potential Higher Returns
4. Liquidity
5. Diversification
6. Safety
7. Convenience
http://www.pifa.com.ph/advantages.html
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4 affiliated mutual fund companies

ROR as of 15 DEC 2014

28.04%

ROR as of 22 JAN 2015

0.45%

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NAVPS: 22 JAN 2015

Php 37.3574

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Slide 33
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NO.1

geraldine isa-al, 7/16/2014

HOW TO START IN IMG

Be a Broker and Business builder
JOIN PAY THE ONE-TIME OF $200
OWN SECURE YOURSELF WITH THE LEVEL 1
INVESTMENT WHICH IS KAISER
SHARE HELP US TO SPREAD OUR MISSION TO
YOUR FAMILY, FRIENDS AND TO ALL FILIPINO

BENEFITS OF BEING IMG MEMBER

1. Direct access to all Financial Services

2. By-Pass The Middle Man (earn the commission yourself

3. Create Your Multiple Passive Income Stream
4. Have Your Own Business Franchise
5. Earn Interest Income from Investments
(invest correctly and safely with high returns)

6. Earn By Helping Others to Save and Invest