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DISABILITY
MONEY @ WORK MONEY @ WORK
YOU WORK FOR MONEY RETIREE / SENIOR CITIZEN
HOW MUCH
HOW MUCH
RETIREMENT FUND &
INCOME PROTECTION
LONG TERM CARE
DO YOU NEED?
DO YOU NEED?
YOUNGER OLDER
THE FINANCIAL NEEDS ANALYSIS
HAVE YOU HEARD ABOUT
THE X-CURVE CONCEPT?
THE 10-20 RULE
2,000,000 4,400,000
HOW MUCH PROTECTION HOW MUCH RETIREMENT
WOULD YOU NEED? FUND
MONTHLY INCOME 12 MONTHLY
WOULDINCOME 12
YOU NEED?
10
20,000 12 = 20
20,000 12 =
240,000 10 240,000 20
2,400,000 4,800,000
DIE TOO SOON LIVE TOO LONG
INSURANCE NEEDED RETIREMENT FUND NEEDED
LESS: SAVINGS & LESS: SAVINGS &
INVESTMENT INVESTMENT
2,400,000 - 400,000 4,800,000 - 400,000
2,000,000 4,400,000
NET INSURANCE NET RETIREMENT FUND
COVERAGE HOW MUCH CAN YOU SAVE PER DAY NEEDED
TO START YOUR PROTECTION & INVESTMENT
PROGRAM?
A B C D E
75.00 / DAY? 100.00 / DAY? 125.00 / DAY? 175.00 / DAY? 250.00 / DAY?
(27,000 / A) (36,000 / A) (54,000 / A) (72,000 / A) (108,000 / A)
DO YOU KNOW HOW MONEY WORKS?
THE 10-20 RULE
DONT YOU KNOW
7 YEARS PROTECTION
AFTER 20
SAVINGS SAVINGS & (TERM LIFE
YEARS
AT AGE 60 AT AGE 65
INVESTMENT INSURANCE)
75/D
(27,000/A 188,790 202,500 524,776 1,361,133 2,192,119
)
100/D
(36,000/A 250,551 270,000 699,701 1,814,844 2,922,825
)
125/D
(45,000/A 312,312 337,500 874,626 2,268,555 3,653,531
)
175/D
(63,000/A 415,247 450,000 1,166,168 3,024,740 4,871,375
)
250/D
(90,000/A 621,124 675,000 1,749,253 4,537,111 7,307,062
)
DO YOU KNOW ABOUT
HOW MONEY WORKS?
WHERE DO WE PUT OUR MONEY?
THE RULE OF 72
THE RULE OF 72 IS A TECHNIQUE FOR ESTIMATING THE
NUMBER OF YEARS REQUIRED FOR AN AMOUNT INVESTED AT
COMPOUND INTEREST TO DOUBLE. TO OBTAIN SUCH NUMBER
OF YEARS, SIMPLY DIVIDE 72 BY THE APPLICABLE INTEREST
RATE THAT YOUR INVESTMENTS IS EARNING. [BLACKS LAW
DICTIONARY ABRIDGED EDITION. MANILA: MERRIAM &
WEBSTER, INC., 1983]
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=
PHP 9,000 / MONTH
12 MONTHS
HOUSING / EMERGENC
20 YEARS MEDICAL RENT TRAVEL / Y
EXPENSES? EXPENSES? LEISURE? EXPENSES?
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=
DO YOU KNOW
ABOUT HAPPY
RETIREMENT?
DO YOU KNOW
THAT
YOU ARE NEVER TOO OLD TO SET ANOTHER GOAL OR TO DREAM A NEW DREAM.
(C.S. LEWIS)
The future starts today.