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8/6/2019 Retire Rich 2 Scribd
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Every FilipinoEvery Filipino
Can BecomeCan Becomeaa
Millionaire!Millionaire!
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Pitfalls of the
Pinoy Wannabes Lack of Information
Pigado Mentality
Ningas Kugon
Bahala na ang Ginoo attitude
Utang is part of life
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No Personal Vision and Goals
Lack of Discipline
a function of WHY
Save & invest BY OBJECTIVE
I dont have money to save.
Kulang pa nga gani ang kwarta
ko
Pitfalls of the
Pinoy Wannabes
DREAMS GOALS
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What is your
Frappe Factor?Youre now 20 years old:
Frappe = 70 pesos
30 days = 2,100/month
1 year = 25,200/year
@ 8% p.a. = Ps. 1,989,651 @45add 5 years = Ps. 3,083,115
Add 10 more = Ps.7,050,482
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What is your
Frappe Factor?Youre now 20 years old:
Eload = 20 pesos
Internet/FB = 20 pesos30 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
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Ifyou know YOUR WHY,
discipline kicks in.
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Pay
Yourself
First!
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Safe &Secure
Life
Insurance
Company
Is My
Money
Stocks
Bonds
Stocks
Bonds
Personal Loans
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Liquidity
The longer the term,
the higher the
potential return.
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Investment Principles
Who will have more money at age 60?
A B20 years old
Saved 20,000 pesos/yearAt 8% per annum
For 10 years
30 years old
Saved 20,000 pesos/yearAt 8% per annum
For 30 years until retirement
3,400,000 2,600,000
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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
Unmatched
Financial Strength
in the
Life Insurance Industry
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The
Number1
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 theBusinessWorld 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.
*Based on 2008 Performance
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The
Number1
life insurer in the Philippines.
six consecutive Platinum Trusted Brand/Super Brand
awards from Readers Digest Asia (2004-2009)
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Some Investment
PrinciplesInvest in long-term funds.
Equities over the long-term have historically shown higher
returns.
Apply the strategy of cost-averaging.Its 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.
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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 1,877,458.509% 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
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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!