5. Is an independent Years in USA/Canadawhose
More than 25 marketing company &
associates, through its affiliated companies, offer
14 Years in the Philippines
a broad array of financial services and products.

9. OUR MISSION
Make a Difference for Families
At IMG, we can help make a difference
for families by showing them a new path
towards achieving their financial goals.
No Family Left Behind

10. OUR VISION
To Build and Provide
the Best Business Opportunity in the World
Our plan is to revolutionize the financial services industry
by bringing a fresh, new approach to empower
the world on how money works.
Help people who desire to help themselves. Bring life-changing
financial concepts and solutions to middle income individuals
and families who are overlooked by the financial services industry.

11. OUR CRUSADE
Change people from:
ENTREPRENEURS
SPENDERS SAVERS
INVESTORS
Deliver the world’s financial wake-up call

12. Joen certainly knows what he’s talking about. He is a registered financial
Joen has a mission: to change the adage that "the rich get richer and the
planner and has more than 12 years of financial management
poor get poorer." He believes that "the average person, even the poor,
experience. He sits as the president and chairman of the board of
has an equal chance to become wealthy if given the right information."
International Marketing Group (IMG)

14. Common Money Mistakes
• Overspending / Not Living Within One’s Means
 Sale, Discounts, Promotions, 0% Interest Instalments
 Wants = Needs, or Wants > Needs
 “Materialism”
• Credit Mismanagement
 Personal Loans, Credit Cards, Mortgages
 Market Manila 2011, Southeast Asian Central Banks 2008:
Philippines has 28% of total household debt in the form of
credit card loans

15. Common Money Mistakes
• Overly conservative in Investing Money
 Philippine Daily Inquirer 2008: Only 3% of OFWs invest and less
than 35% of OFWs save in “banks” ($15.9B 2008 OFWs’ total
remittances)
 Consumer Expectation Survey 2010: 5.8% of OFWs invest and
43.7% save in banks ($18.76B 2010 OFWs’ total remittances)
 BSP: P3.7 Trillion total “bank deposits” in April 2011
• Lack of Financial Education
 Citibank Survey June 2011: Filipinos’ Financial IQ = 48.9 %
 Citibank Survey June 2011: Filipinos’ average savings in
reserve = 9 weeks

16. IMG Offers Total Financial Solution
• Financial Literacy
 Learn the fundamentals of Debt Management,
Insurance, & Investments
 Learn to plan your own Financial Strategy
 Learn the proper solution to achieve your goals
• Business Solution
 Learn the Financial Products & Services Industry
 Build a Proper & Solid Financial Foundation

17. IMG Offers Total Financial Solution
• Direct Access to Financial Services Companies
 Be informed of the latest updates
 Remove the middle man
 Earn from your own needs
• Investment and Business Opportunity
 Towards PASSIVE INCOME for retirement

19. Cashflow is the movement of
money into or out of an account.

20. Cashflow Quadrant
• Time
• Full Time • Establishment
• Employer
• Income
• Tax (huge)
E
Employee
B
Business
• System
• Money
• Tax (low to zero)
Financial Literacy  Financial IQ
• Full Time • Time
• Consumer
• Income
• Tax (huge)
S
Self-employed
I
Investment
• Money
• More money
• Tax (low to zero)

21. How do we increase our Cash Inflow?
1. Earn additional income  passive
2. Manage your expenses
• Prioritize your needs, lessen your wants

22. Pay Yourself First
o Problem:
Most people want to save but Expenses
INCOME Debts
don’t know how. They know only
Income – Expenses = Savings
how to spend…
 Change your living formula Poverty Formula
 Pay God and yourself first!
God Savings Expenses
At the beginning of the month, (20%) INCOME
(10%) (70%)
before you pay anyone else, reserve
10% for tithes, then save 20% of Income – Tithes – Savings = Expenses
your income.
Prosperity Formula
 Discipline yourself to live within
your means
With this, we can surely fund our “financial plans”

23. Most people are indebted.
Live simply.

24. Debt Management
 Types of debt:
• Bad Debt – cash flows out of
your pocket
• Good Debt – cash flows into
your pocket

25. Most people are indebted.
Live simply.
This will help us avoid debt traps

26. Most people are indebted.
Live simply.
This will help us avoid debt traps
Before we build our wealth--
We need protection for assets and life

27. Protection:
1. Get the maximum benefit
* Healthcare
* Insurance
* Investment link (emergency fund)
2. Go for term insurance
* Short payment period

28. Most people are indebted.
Live simply.
This will help us avoid debt traps
Before we build our wealth--
We need protection for assets and life
Eliminate Bad Debts before you invest
Invest safely and correctly

29. The X-Curve Concept
2 Stages of Financial Life
 Food  Education  Food
STAGE 1
 Shelter  Healthcare
 Clothing  Debts/Loans
STAGE 2
 Shelter  Healthcare
 Clothing  Debts/Loans
 Retirement
Active Income Passive Income
You work hard for the money Money works for you
Protection
YOUNGER
Investment OLDER
What if… I die to soon? What if… I live too long?
Who will take care of my family? Who will take care of me?

30. Long Term Savings / Investments
• Concentrate on acquiring ASSETS(cash inflow)
 Mutual Funds
 Real Estate
• Avoid LIABILITIES (cash outflow)
 Consumables(gadgets,expensive furnitures, etc) with no return of
investment

31. The 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 72 8=9 72 12 = 6
Money doubles every 18 years Money doubles every 9 years Money doubles every 6 years
Age 4% Age 8% Age 12%
29 Php 100,000 29 Php 100,000 29 Php 100,000
47 Php 200,000 38 Php 200,000 35 Php 200,000
65 Php 400,000 47 Php 400,000 41 Php 400,000
56 Php 800,000 47 Php 800,000
65 Php 1,600,000 53 Php 1,600,000
59 Php 3,200,000
4X 65 Php 6,400,000
16X

32. The Rule of 72 (LXXII)
Albert Einstein called COMPOUND
INTEREST the eighth wonder of the
world, greatest mathematical
invention, and mankind’s greatest
invention, because it is a force for
amassing wealth.

36. oINFLATION is a rise in the general level of
prices of goods and services in an economy.
When the general price level rises, each unit of
currency buys fewer goods and services.
Consequently, inflation reflects an erosion in
the purchasing power of money.
http://en.wikipedia.org/wiki/Inflation

37. INFLATION RATE, PHILIPPINES
2005 – 2011
Month 2011 2010 2009 2008 2007 2006 2005
Average 4.8 3.8 3.2 9.3 2.8 6.2 7.6
Is an Investment Interest of 5% good enough?
No! As a 20% tax will still be deducted on earned interest.
http://www.nscb.gov.ph/stats/
http://www.nscb.gov.ph/secstat/d_price.asp [National Statistical Coordination Board]

38. Best Interest Rates on a 1 Year / 12 month
Time Deposit in the Philippines
as of December 2011
Deposit
Account Details
Account
TOP #1 Interest Rate is determined by the amount deposited in Peso over
a 12 month/1 year period.
10,000 - 99,999.99 2.000%
100,000 -299,999.99 2.125%
300,000 - 499,999.99 2.375%
500,000 - 999,999.99 2.625%
1 M - 4.99 M 3.250%
5 M - 9.99 M 3.375%
10 M and over 3.625%

39. Best Interest Rates on a 1 Year / 12 month
Time Deposit in the Philippines
as of December 2011
Deposit
Account Details
Account
TOP #2 Interest Rate is determined by the amount deposited in Peso over
a 12 month/1 year period.
50,000.00-299,999.99 2.65%
300,000.00-999,999.99 2.75%
1 M - 1,999,999.99 2.85%
2 M - 2,999,999.99 2.95%
3 M - 4,999,999.99 3.05%
5 M and over 3.25%

40. 10 YRS @ 15%
P 132,520
P 3,226,766.05

41. Building a Solid Financial Foundation
INVESTMENT
EMERGENCY FUND
DEBT MANAGEMENT
PROTECTION: INSURANCE
HEALTHCARE
INCREASE CASH FLOW
« BUILD IT RIGHT. BUILD IT STRONG»

42. « BUILD IT RIGHT. BUILD IT STRONG»

43. Most people are indebted.
Live simply.
This will help us avoid debt traps
Before we build our wealth--
We need protection for assets and life
Get out of debts before you invest
Invest safely and correctly
Transfer inheritance to our children

44. Proverbs 6: This chapter advises release from foolish
indebtedness (vv:1–5), admonishes avoiding laziness
(vv:6–11), warns of the danger of poverty (vv:9–11)
6 Take a lesson from the ants...
Learn from their ways and become wise!
8 they labor hard all summer,
gathering food for the winter.
Proverbs 6:6,8

46. “ To be born rich or poor is not a
choice, but to become rich or poor,
that's a choice that GOD leaves up to
us.”
Bo Sanchez

47. What IMG can Offer
1. ONE STOP SHOP of 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

48. ONE STOP SHOP OF ALL FINANCIAL SERVICES

49. What IMG can Offer
1. ONE STOP SHOP of 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

50. YOU
YOU (BROKER)
BROKER
INVESTMENT

51. What IMG can Offer
1. ONE STOP SHOP of 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

54. Always inform your relatives of your insurance.

56. DID YOU KNOW THAT:
1. Near 90% of Filipinos are not saving for long-term medical
needs
2. Medical Inflation is 3 to 4 times the economic inflation
3. About 60% or more of senior citizens are still dependent on
their children for medical care
4. About 45% of total Filipinos are vulnerable to poverty if
confronted by surprise of health problems, death and natural
disasters
5. Philippine Life Insurance Association: Pinoys spend more on
cigarettes than Life Insurance

57. INVESTMENT
EMERGENCY FUND
DEBT MANAGEMENT
PROTECTION: INSURANCE
HEALTHCARE
INCREASE CASH FLOW
http://www.kaiserhealthgroup.com/

60. http://www.kaiserhealthgroup.com/

61. MUTUAL
FUNDS

62. Mutual Funds vs Bank Deposits
• Bank Deposits
 Your money is actually invested in financial instruments with higher
return
 Interest earned is based on account agreement, regardless of how
much the bank earns on your money
 You only own what was agreed to be given to you
• Mutual Funds
 Ownership: You’re a co-owner of the company
 Number of shares: The cost per share is secondary
 Long-term investment: Long-term benefits

63. TYPES OF MUTUAL FUNDS
STOCK/EQUITY FUNDP8+$1 BALANCED FUNDP9+$4
BOND/FIXED-INCOMEP11+$8+€2
http://www.pifa.com.ph/advantages.html
MONEY MARKET FUNDP5

64. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS
1. Professional management: One of the main attractions of mutual funds is
that it affords its investors the services of full-time professional managers
whose job is to analyze the various investment products available in the
market.
2. Low capital requirement: Direct investments usually require substantial
capital. 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.
http://www.pifa.com.ph/advantages.html

65. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS
3. Potential Higher Returns: Very few individual investors can match the
experience and skill of full-time professional fund managers who can select
those that would give the best possible returns.
4. Liquidity: Liquidity is the ability to readily convert investments into
cash. 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.
http://www.pifa.com.ph/advantages.html

66. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS
5. Diversification: investing in variety of assets; here is a saying that goes,
“Do not put all your eggs in one basket.” When people invest in a mutual
fund, they achieve instant diversification.
http://www.pifa.com.ph/advantages.html

67. WHAT IS DIVERSIFICATION?
Stocks

68. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS
5. Diversification: investing in variety of assets; here is a saying that goes,
“Do not put all your eggs in one basket.” When people invest in a mutual
fund, they achieve instant diversification.
6. Safety: Mutual funds are highly regulated by the Securities and Exchange
Commission under the Investment Company Act and its implementing rules.
http://www.pifa.com.ph/advantages.html

69. How safe is it to invest in mutual funds?
o Mutual Fund operations are governed by the Investment Company
Act (RA 2629) whose implementing rules and regulations specify
particular limits and constraints in the investment activities of all
mutual funds. The Securities and Exchange Commission (SEC) sees
to it that all mutual funds comply with these statutory
regulations. Mutual fund companies are regularly audited by an
independent auditor. The assets of the mutual fund are held by a
third-party custodian bank.

70. PRIMARY REASONS TO INVEST IN MUTUAL FUNDS
7. Convenience: The popularity of mutual funds in the Philippines is fast
catching up. Investment application can now do online and additional
investment/s can now deposit thru banks’ online banking fund transfer
facilities.
http://www.pifa.com.ph/advantages.html

71. Are gains in mutual funds taxable?
o NO. Mutual fund “gains” are exempted from
taxes based on the Comprehensive Tax
Reform Program (CTRP), Section 32 (B) (7) (h).
This was done to promote long-term savings
in the country.

72. Why invest in MUTUAL FUNDS
and not in INDIVIDUAL STOCKS?
o If you’re not a good stock picker.
o If you don’t have time to follow and track your
investments actively.
o If you can potentially become an emotional
investor if you handle your investments too
actively.

73. COST - AVERAGING
http://www.investmentphilippines.com/

74. TOP 3 MUTUAL FUNDS IN 2011
1: FAMI Fixed Income Fund
12.34%
2: EkklesiaBPI Mutual Fund
10.35%
3: Philequity Peso Bond Fund
9.02%

79. http://www.philequity.net/

81. REAL ESTATE

82. 1834
1954
2007

83. 2 BASIC TYPES OF REAL ESTATE PROJECTS
HORIZONTAL DEVELOPMENTS
 Socialized Housing
 Affordable Housing
 Middle / Upper Middle
 High End

84. 2 BASIC TYPES OF REAL ESTATE PROJECTS
VERTICAL DEVELOPMENTS
 According to Market
 According to Height
• Low-rise, Mid-rise, High-rise

85. As per BIR's Revenue Regulations No. 16-2011
dated Oct. 27, 2011, starting January 1, 2012,
sales on real properties exempt from VAT:
For lots below P 1,919,500 (prev P1.5M) and on
House & Lot below P3,199,200 (prev 2.5M).
LOCATION

86. WHY INVEST IN REAL ESTATE
 PERSONAL USE
 Family residence
 SAVINGS
 Has the potential to offer higher than bank and/or money
placement yield through the years
 BUSINESS
 Location/Site/Place of business
 Can be resold or mortgaged/collateral for loan
 Can generate rental income

87. You can buy these needs as a CLIENT OR
you can get it as your own BROKER and
earn the commission yourself.

88. Associate – 20%
Field Leader – 30%
Asst. Marketing Director – 40%
Marketing Director – 50%

89. “ You can’t cross the sea merely by
standing and staring at the water.”
Rabindranath Tagore

90. Financial Independence is
not a dream. It’s a decision!

91. END
OF
SESSION

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BOTH OF THE ABOVE
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