Finance 101

Karis Alexei Pearl
A. Intong (speaking)

Do you want
to become
truly rich?

Welcome to being Truly Rich!!!
IMG (International Marketing Group) - is an independent
marketing company whose associates, through its affiliated
companies, offer a broad array of financial services and
products.
WE ARE IN A MULTI-TRILLION DOLLAR INDUSTRY, BACKED
BY MULTI BILLION DOLLAR COMPANIES

More than 25 Years in USA and Canada
and 14 Years in the Philippines

We are one of biggest and fastest growing
financial services marketing companies with
associates and offices in Europe, USA,
Canada, Middle East, and Asia: In almost all
the States in USA, Italy (Milan, Rome), Dubai,
UAE, Singapore, Taiwan, Hong Kong, Macau,
Thailand, Vietnam, Cambodia, and all over
the Philippines (Luzon, Visayas and
Mindanao)
We have been able to help thousands of
associates take advantage of flexible time,
commitment and schedule.
We have been changing people’s lives all
over the world!!

What do we offer?
A Total Financial
Solution

WHAT ARE THESE SOLUTIONS?
Financial Literacy - be your own Financial
Adviser...
-Learn how to manage your money...
-Get OUT of DEBT’s...
Make MONEY
WORK FOR YOU!!!
Disciplined Approach to Investing - develop
the habit...
- Proper and Solid Financial Foundation

WHAT ARE THESE SOLUTIONS?
Direct Access to Financial Services
Companies
- Be your Own Broker...
- Earn from your own needs
Investment and Business Opportunities
towards PASSIVE INCOME (retirement
preparations)

1. INCREASE CASH FLOW
• Earn additional income
• Manage expenses
We need to increase our income Reduce our expenses

2. MANAGE DEBT
• Consolidate Debt
• Eliminate Debt

3. EMERGENCY FUNDS
• Save three(3) months income
• Prepare for medical emergencies

4. ENSURE PROPER PROTECTION
• Protect against loss of income
• Protect family assets
We need protection for assets and life!!!

5. BUILD LONG-TERM SAVING
• Get out of debts first before you invest!
• Invest safely and correctly
• Invest on assets
INVESTMENTS should
generate PASSIVE INCOME

6. PRESERVE YOUR ESTATE
• Help limit probate costs
• Maintain Privacy
We cannot afford to miss any of these 6 Steps…
& we have to know how to plan for it…. Agree?
We cannot afford to miss any of these 6 Steps…
& we have to know how to plan for it…. Agree?

• This is a simple but very powerful
planning tool to achieve Financial
Security…
• It tells us that we must take care of our
responsibilities while building our
wealth.
HOW DO WE CREATE OUR PLAN?

No Savings
Big Savings
(Financial
Goals)
Big RESP.
No RESP.
DIE TOO SOON LIVE TOO LONG
INCOME (ACTIVE)
You work hard for the money
 Food
 Shelter
 Clothing
 Education
 Healthcare
 Debt/Loan
 Food
 Shelter
 Clothing
 Health
 Debt-Free
THE X-CURVE CONCEPT
INCOME (PASSIVE)
YOUNG OLDER
PROTECT your family
(Instant Money/Insurance)
Income replacement
Protect Yourself
(Investments)
Living on Interests
Money working hard for you
Age Line

WHERE DO WE SQUEEZE OUT THE MONEY TO INVEST?
New Formula: Pay Yourself First
• Problem:
Most people want to save but
don’t know how…
most people know only how to
spend…
INCOME BudgetExpenses
Life
style
Debts
Income – Expenses = Savings
Poverty Formula
 Change the living formula
 Pay God and yourself first!
At the beginning of the month, before
you pay anyone else Give your 10%
tithes, then write a check to yourself for
20% of your income.
 Discipline yourself to live below
your budget
Income–Tithes-Savings =
Expenses
Prosperity Formula
INCOME Budget
God
(10%)
Savings
(20%)
With this, we can fund our Complete Financial Plans….

With Consistent & Disciplined Approach You
can Create Your Millions
With Consistent & Disciplined Approach You
can Create Your Millions

HOW DO WE MAKE MONEY WORK FOR US?
RULE OF 72 (LXXII)
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 4%
29 100,000
48 200,000
65 400,000
72 ÷ 8 = 6 72 ÷ 12 = 6
Money doubles every 9 years Money doubles every 6 years
Age 8% Age
12%29 100,000
53 1,600,000
47 800,000
41 400,000
35 200,000
29 100,000
38 200,000
47 400,000
56 800,000
65 1,600,000
59 3,200,000
65 6,400,000
4X
16X
But where do most people save and invest
their money? More often than not, people
invest in less than 1% and borrow money
at more than 12%.
Worst, most people don't have money to
invest at all. We need to learn how to Pay
Yourself First!… and then harness the
power of Compounding Interest to Grow
our Money Line and Make Money Work!!!

IMG’s 3 LEVELS of INVESTMENTIMG’s 3 LEVELS of INVESTMENT
1. KAISER INTERNATIONAL
HEALTHGROUP, INC.
2. MUTUAL FUNDS
3. STOCK MARKET

A COMPLETE FINANCIAL PLAN – IT’S 4 IN 1!!!
1. HEALTHCARE
2. LIFE INSURANCE
3. EMERGENCY FUND
4. INVESTMENT

THINK ABOUT THIS
• Medical costs doubles every 5-7 years
• A lot of sick people die not because there is no medicine
but because of no money
• A majority of Filipinos don’t save money for future
healthcare needs
• You cannot bring with you the healthcare benefits provided
by your company when you retire or resign
• No traditional healthcare company covers ages 61 and up.
• Most people rely on their children, or sell properties, or
borrow money for their medical needs during retirement.
• Majority of Personal Bankruptcy is due to Medical Crisis.

1. Will build your DISCIPLINE
2. Will help you ensure you build WEALTH no matter
what happens to you… (Death or Accident)
3. You have quick access to hospitals in case of
emergencies
4. You can use it for anything, for anyone, anywhere
in the world when it matures. Not just Healthcare
Needs.
5. Your beneficiary can inherit it!!!

Frequently Asked Questions:
What is the financial viability of Kaiser?
Answer:
Kaiser is registered with SEC and has an authorized capitalization of Php 160M. It has
fully complied with all the SEC regulations. It is also approved by Department of Health
to operate as an HMO. The Investment and funds are managed by the top leading
financial Institutions in the Industry.
How can we be sure KAISER will still be there in the long term? And, can we
trust KAISER to fulfill its commitments?
1. The Kaiser Premium Health Builder is a product of two actuarial studies made by an
American and a Filipino actuarian, respectively.
2. The company and the products offered have passed the regulatory requirements of
the gov't thru the Securities and Exchange Commission and the Dept. of Health.
3. At least 51% of payments made by the plan holders automatically goes to a trust fund,
as required by the government. KAISER, can not touch the trust fund. It is reserved for
the future claims by the plan holders.
4. Kaiser trust fund is managed by two reputable international banks namely: 1. ING
BANK(based in the Netherlands) 2. DEUTSCHE BANK (based in Europe)
.
Frequently Asked Questions:
What is the financial viability of Kaiser?
Answer:
Kaiser is registered with SEC and has an authorized capitalization of Php 160M. It has
fully complied with all the SEC regulations. It is also approved by Department of Health
to operate as an HMO. The Investment and funds are managed by the top leading
financial Institutions in the Industry.
How can we be sure KAISER will still be there in the long term? And, can we
trust KAISER to fulfill its commitments?
1. The Kaiser Premium Health Builder is a product of two actuarial studies made by an
American and a Filipino actuarian, respectively.
2. The company and the products offered have passed the regulatory requirements of
the gov't thru the Securities and Exchange Commission and the Dept. of Health.
3. At least 51% of payments made by the plan holders automatically goes to a trust fund,
as required by the government. KAISER, can not touch the trust fund. It is reserved for
the future claims by the plan holders.
4. Kaiser trust fund is managed by two reputable international banks namely: 1. ING
BANK(based in the Netherlands) 2. DEUTSCHE BANK (based in Europe)
.

Mr. Early Saver Mr. Late Saver
THE HIGH COST OF
WAITINGAGE PAYMENT
ACCUMULATION
END OF YEAR
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
50
60
61
62
22
23
24
25
26
27
28
29
30
31
32
33
34
35
40
50
60
61
62
20,000
20,000
20,000
20,000
20,000
20,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,000
20,000
20,000
20,000
20,000
20,000
0
0
0
0
0
0
0
22,400
47,490
75,590
107,060
142,300
181,780
203,590
228.030
255,390
286,030
320,360
358,800
401,860
450,080
793,200
2,463,550
7,651,410
8,569,580
9,597,930
0
0
0
0
0
0
22,400
47,490
75,590
107,060
142,300
181,780
203,590
228.030
401,860
1,248,110
3,876,440
4,341,610
4,862,610
PAYMENTAGE
ACCUMULATION
END OF YEAR
OPTION 1:
SACRIFICE
NOW...
AND ENJOY
LATER...
OPTION 2:
ENJOY
NOW... AND
SUFFER
LATER...

WHAT IS MUTUAL FUND?
A Mutual Fund is a pool of funds of many
individuals and institutional investors in an
investment company to form a massive asset
base. The assets are then entrusted to a full
time professional fund manager who develops
and maintains a diversified portfolio of security
investments. People who buy shares of a
mutual fund are its owners or shareholders.

1. Professional management: One of the main attractions of mutual funds is that it
affords its investors, particularly the small ones, the services of full-time professional
managers whose job is to analyze the various investment products available in the market
and select those that would give the best possible returns to the fund and its
shareholders.
-work and make investment decisions on your behalf.
2. Low capital requirement: Direct investments usually require substantial capital.
The minimum investment amounts for Treasury Bills and commercial paper, for instance,
range from Php100,000 to Php1 million depending on the bank or investment house you
are dealing with. This also holds true for stocks because while an investor may be able to
buy one “lot” (shares are sold in board lots of 10 to 1 million shares depending on the
price at which these shares are traded) for as low as Php1,000 to Php5,000, he may not
find a stockbroker who will service his account because they prefer to deal with high net
worth individuals (rich people in layman's terms) or at least with people who have
substantially more than just Php5,000.00 to invest. In contrast, most mutual funds in the
Philippines require a minimum initial investment amount of only Php5,000.00 and
minimum additional investments of Php1,000.00.

3. Diversification: here is a saying that goes, “Do not put all your eggs in one
basket.” This adage is especially true in the world of investments which is full of
uncertainties. There is no such thing as a “sure” thing. An important investment
principle that requires holding several securities to reduce the risks associated
with investing in individual securities is called diversification. When people invest
in a mutual fund, they achieve instant diversification because the fund is usually
invested in a wide array of securities.
4. Liquidity: Liquidity is the ability to readily convert investments into cash.
Other investment products require investors to find a buyer so that he can
liquidate his investment. That is not the case with mutual fund shares because
the fund itself stands ready to buy back these shares at the prevailing Net Asset
Value Per Share. While the law provides that redemption proceeds must be
given within seven (7) banking days from the date of the redemption request,
most funds are able to pay the redemption proceeds within a day. Mutual funds
are, therefore, considered very liquid investments. our wish.

5. Safety: Safety is a very important consideration for most investors. Sometimes even more
important than potential returns (well… on second thought, maybe not). Nevertheless, mutual
funds are highly regulated by the Securities and Exchange Commission under the Investment
Company Act and its implementing rules. They are prohibited from investing in particular
investment products and engaging in certain transactions (this is discussed in greater detail in a
latter section). They also have to submit regular reports to the SEC as well as to their
shareholders. All of the fund's assets must be held by a custodian bank for safekeeping.
6. Potential Higher Returns: Because a mutual fund is managed as a single portfolio, it is
able to take advantage of certain economies of scale. For instance, with its millions under
management, it can negotiate for lower stockbrokerage fees or command higher interest rates
on fixed-income investments. In the end, however, it is still the investment adviser who really
makes the big difference between making direct investments and investing in mutual funds
because very few individual investors can match the experience and skill of full-time
professional fund managers.

7. Convenience: In other countries, mutual funds can be purchased
directly from a funds or through a broker, financial planner, bank or
insurance agent, by mail, over the phone and increasingly over the
internet. The popularity of mutual funds in the Philippines is fast
catching up. It may be a matter of time for this level of
convenience to be a reality in the country. Funds also offer a
variety of other services, including monthly or quarterly account
statements, tax information, and 24-hour phone and computer
access to fund and account information.

Who are the companies behind
IMG?

WWW.TRULY-WEALTHY.COM
KARIS ALEXEI PEARL INTONG
VALENCIA CITY, BUKIDNON
+639173100568

Finance 101

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