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Are you on the right path to your retirement
1.
2. How much $money does
average Malaysian
earning ?
马来西亚人平均赚多
少钱?
3.
4. How much is Malaysian
average EPF
savings ?
马来西亚人,平均存
多少 EPF ?
5.
6.
7. The Star
reported on 10 August 2013 :
Average savings for active EPF
members aged 54: RM149,216
The Star
2013 年 8 月 10 日报道:
大马 EPF 活跃会员们, 54 岁时
的平均储蓄为: RM149,216
8. The Star
reported on 10 August 2013 :
75% of retirees
have less than: RM50,000
The Star
2013 年 8 月 10 日报道:
75% 的退休人士,
仅拥有少于: RM50,000
10. RM924,255 @Age 55
RM 37,633 Balance
@Age 75
RM133,165 p.a @Age 50
RM61,681 p.a @Age 40
RM195,663 p.a @Age 55
Income Per Annum EPF Total Savings
RM176,012 @Age 40
RM557,401 @Age 50
RM41,979 p.a @Age 35 RM85,335 @Age 35
Expenses Per Annum EPF Balance
RM55,345 p.a @Age 55 RM913,463 Balance
@Age 55
RM74,379 p.a @Age 65 RM693,256 Balance
@Age 65
RM99,959 p.a @Age 75
One Million EPF
11. How much is enough for
retirement ?
拥有多少钱,才足够退休?
One Million Ringgit at the aged of 55 can only
last you up to the age of 75 . What if you live up
to 80,90 or 100 ?
55 岁,拥有一百万马币才能维持生活到 75
岁。
若活到 80 岁, 90 岁或 100 岁,怎么办?
12. How to save 1 Million in EPF ?
Starting Salary RM1,500 aged 26
Annual increment 8% plus 2 month bonus
contribute 23% to EPF
Annual return 5% on EPF
No EPF withdrawal for housing loan
Inflation rate 3%
Aged 40 RM4,406 per mth, aged 50 RM9,512 p.m
Aged 55 RM13,976 per month
Total EPF saving at aged 55 RM924,255
14. The Star
reported on 10 August 2013 :
Average savings for active EPF
members aged 54: RM149,216
The Star
2013 年 8 月 10 日报道:
大马 EPF 活跃会员们, 54 岁时
的平均储蓄为: RM149,216
15. The Star
reported on 10 August 2013 :
75% of retirees
have less than: RM50,000
The Star
2013 年 8 月 10 日报道:
75% 的退休人士,
仅拥有少于: RM50,000
17. How many % of people can have 1
Million Savings at aged 55 ?
How many can ? 20%?10% ?
5% ?
Can you ? Can your family
members? friends ? colleague ?
20. E = 雇员 (Employee)
S = 自雇人士 (Self-employed)
B = 企业拥有者 (Business Owner)
I = 投资者 (Investor)
21. 在职收入
Active Income
No Time FreedomNo Time Freedom 无时间自由无时间自由
No Money FreedomNo Money Freedom 无财务自由无财务自由
Time FreedomTime Freedom 时间自由时间自由
Money FreedomMoney Freedom 财务自由财务自由
持续收入
Residual Income
提桶人
A Bucket Person
管道人
A Pipeline Person
22. 商业系统的 3 种类型
:
3 Types of Business Systems :
1.传统的 C 型企业
(Corporation) e.g MNC,SME
2.特许经营
(Franchise) e.g Old Town
3.网络营销(倍增)
(Network Marketing)
Any other BUSINESS
MODEL? Yes! Show U
24. 为何有 4 百万人在网络营销?
Why 4 million people in MLM?
• 能倍增人数和业绩(缩短成功的时间)
Exponential Growth (Shorten the time to success)
• 小投资(门槛不高)
Small Investment (Low Entry)
• 时间灵活(可以兼职)
Time is flexible ( Can do part -time)
• 可得到一定的成功(可赚到钱)
Certain Level of Success ( profitable )
• 小风险(亏损有限)
Small Risk ( Limited loss )
• 产品有一定功效 (有帮助到人)
Product is good ( Help people)
26. 为什么许多人在网络营销失败
?
Why people fail in MLM?
• 你自己 (没有明确的定位)
You (No clear positioning)
• 公司 (管理层经验,研发,财务后盾)
Company (Mgt Track Record, R&D, Financial )
• 奖励制度 (难度,公平,激励,利润,稳定)
Comp Plan (difficulty, fair, rewarding , profitable, stable)
• 产品 (大众市场,回购率,专利,高科技,价格合
理) Products (Mass Market, High Re-Order, patented, high-
tech, reasonable price)
• 支援系统 (没有公司教育系统及持续教
育) Support System (No company training and continuous
27. 为什么许多人在网络营销失败
?
Why people fail in MLM?
• 销售会伤人(囤货,补货,欠款,销价)
Selling hurts (Front Loading, Stock-up, debt, discounting)
• 会永远忙碌(订货,送货,要重复找新客户)
No freedom (Take order, delivery, getting new customers)
• 一场空 (销售如砍树,终究一场空)
Back to zero ( Sales is similar to logging wood. It will be
finished one day)
• 越来越难(供过于求。红海策略)
Getting more difficult (Supply more than demand. A red sea
strategy )
28. 为什么许多人在网络营销失败
?
Why people fail in MLM?
• 没有满意保证(会伤害客户人际关系)
No money back guarantee (Hurts customers relationship)
• 价格太高(不合理。高负担)
Too expensive (Unreasonable Pricing. A burden)
• 回购率低 ( 5% 续订率。要不断找新客户)
Low Re-Order Rate (5% Re-Order Rate. Keep looking for new
customers)
• 没有每月留住客户的系统(没有忠诚的客户)
No monthly customers retention strategy (No loyal cusotmers)
• 不能积累客户人数(流失率高
Cannot Accumulate Customers (High Attrition Rate)
29. 为什么许多人在网络营销失败
?
Why people fail in MLM?
• 不能留住成功(业绩上上下下)
Success is temporary (Sales going up and down)
• 要保持很多业绩(压力大)
High Sales Volume requirement (High Pressure)
• 要做很多条数(难度大)
Require many legs (High Difficulty)
• 没有被证实有成功群体(纸上谈兵)
No Proven Group of Successful People (On paper only)
30. 抱着无比的期待和热忱,
With great expectation & excitement,
我投入了网络营销。在 10 年内,
我加入了 5 家公司 1 家倒闭, 1
家改奖金, 1 家产品有毒, 1 家
管理有问题, 1 家一进场就买货
过万。。。总共耗了接近 10 万。
I went into MLM biz. In 10 yr, I was with 5
company. 1 already closed , 1 change complan, 1
product is poisonous , 1 management problem, 1
front loaded me 10K….All add up cost me about
32. What if , there is a proven business
model that allowed people to be
successful without going through all the
risk, hardship and down fall of mlm
company mentioned earlier? Will you
take the opportunity ?
若有一个已经被证实让很多人成功的
商业模式,不用你再经历前面所论述
传销公司的风险,艰辛和失败,你
会珍惜这个商机吗?
33. CDM :
Consumer Direct Marketing
消费者直效系统
The World only company with CDM
system. The only company which
directly work with consumers.
世界唯一的 CDM 系统公司。世界唯
一直接与消费者合作的公司。
37. Why CDM succeeded ?
为何 CDM 成功 ?
1.Eliminate all mlm bad culture : High
pressure selling, high start-up fee, stock
up, personal delivery, IOU, discounting
CDM : Only refer people to switch
store . Purchase high quality, eco-
friendly, safer and healthier products at
reasonable price. 100% money back &
satisfaction guarantee. No one get
hurt.
38. 2. 高续订率 95% (回购率):美乐
家全球,每个月有超过 100 万户旧客
户,每个月都回来购买美乐家产品。
High Re-Order Rate 95% : Melaleuca
has more than 1 Million old customers
worldwide re-order month after
month.
39. 2. 高续订率 95% (回购率):美乐
家全球,每个月有超过 100 万户旧客
户,每个月都回来购买美乐家产品。
High Re-Order Rate 95% : Melaleuca
has more than 1 Million old customers
worldwide re-order month after
month.
40. 2. 公司有留住客户系统:
•公司订货送货服务
•全面换品牌优惠
•每月促销优惠
•VIP 现金回扣 10% 及礼品
•介绍奖金
2.Customer Retention System:
•Telephone Order & Delivery Service
•Convert your home special discount
•Monthy promotion
•VIP cash rebate & Gift
•Customer Referral Commission
41. 4. 公司做的是大众市场。
(不是高价位的转销市场)
单单日用品就是 70 亿人口的市场
。
例如: P&G 公司年销售额 USD$900 亿
。
目前,美乐家 USD$13 亿。
4.Melaleuca is doing world market.
(Not highly priced mlm market)
Daily use product is for 7 Billion
population market. e.g P&G has
USD$90 Billion Sales. Melaleuca is only
USD$1.3 Billion.
48. 做对事 Do The Right Thing :
成功七要素 The 7 Critical
Activities
• 1.Keep building your contact list
• 2.Set Appointment
• 3.Make Presentation
• 4.Hold 48-hour follow-up sessions
• 5.Celebrate Success
• 6.Always be involved with fast track
• 7.Lead by example
49. 如何保养身体?
How to take care of your body ?
• 1. 哈佛大学食物金字塔 Harvard Food
Pyramid : Oligo Pack & Phytomega
• 2.Oligo Video : Oligo
• 3.Dr Huang Video : Florify & Fiberwise
• 4.DNA Video & Book : DNA
• 5.Powerpoint