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ILMISOR MP COOP

Financial Wellness
Advocacy

ILMISOR MP COOP
FINANCIAL FREEDOM FOR
FILIPINOS
HELP PEOPLE (INCLUDING YOURSELF)
DEFINE THEIR FINANCIAL GOALS IN LIFE
AND MAKE IT INTO REALITY!

Financial Freedom
Is simply having the means to maintain the
lifestyle you choose to have without having to
actively work.

How do I get
there?

Investment income is key to


financial independence
Without it, you will never
achieve financial success

PEOPLES BEHAVIOR ON
MONEY
Behavior 1
Behavior 2

Behavior 3

INCOME

EXPENSE

INCOME

LESS

LESS

LESS

EXPENSE

INCOME

SAVINGS

EQUALS

EQUALS

EQUALS

SAVINGS

DEBT

EXPENSE

WHICH ONE ARE YOU?

Cash Flow Pattern

POOR HAVE
EXPENSES

MIDDLE CLASS BUY


LIABILITIES THEY THINK
ARE ASSETS.

RICH SAVE
AND INVEST

Cash Flow Pattern of a


Poor Man
INCOME

JOB

PAYCHECK
EXPENSE

TAX
RENT
ASSETS

FOOD
CLOTHES
LIABILITIES

Cash Flow Pattern of the Middle Class


INCOME

JOB

PAYCHECK
EXPENSE

ASSETS

TAX
FOOD
RENT
CLOTHES
LIABILITIES
MORTGAGE
LOANS
CREDITCARDS

CASH FLOW PATTERN OF THE RICH


INCOME

JOB

PAYCHECK
DIVIDENDS
INTEREST
EXPENSE

ASSETS

STOCKS
BONDS

INVESTMENTS

LIABILITIES

GOLDEN RULE:

INVEST!

50 GROW INTO Php 1


MILLION ?
Can Php

INTEREST
RATE

YEARS

0%

NEVER!

3%

in

336

years

5%

in

190

years

10%

in

98 years

15%

in

68 years

HOW VARIOUS AMOUNTS PER DAY CAN


GROW INTO Php
MILLION!

SAVINGS

at

10%

at

15%

Php

56

40

Php

49

36

Php

42

31

Php

38

28

Php

36

26

Php

10

34

25

Einstein Rule of 72 (The Power of Compounding)

THE POOR AND MIDDLE CLASS


WORK FOR THE MONEY.

THE RICH HAVE MONEY


WORK FOR THEM.

Ways to invest your savings


Investment 1: Time Deposit at 1%
annual rate of return
Investment 2: Government Bonds at 5%
annual rate of return. Coop time
deposit at 5 to 9%
Investment 3: Mutual Fund at 8% to
12%
Investment 4: Stocks at 12% to 20%

Phil. Stock Market Performance

Phil. Stock Market Performance

The Financial Pyramid

Hierarchy of Financial Needs:


Protection: Emergency Fund, Health
care, Life Insurance

Accumulation and Growing Wealth:


Savings deposits, Time Deposits, Variable
insurance, Mutual Funds, Stocks, Real
Estate assets.

Distribution and Wealth


Preservation: Retirement Income and
estate planning.

Institution Available to Help


Protection: - Insurance, Health care,
Cooperative

Accumulation and Growing Wealth:


Cooperative, Banks, Insurance, Mutual
funds, Investment trust Funds, Stock
Market

Distribution and Wealth


Preservation: Insurance

Helping you Plan for your Financial Priorities

Education
Planning

Investment Planning

Income
Continuation

Retirement
Planning

Estate Planning

Critical Care
Planning

Systemized
Savings

When to start to Invest


Age 18 to 25 - Im just getting my education. You can't expect me to be
able to invest now. I'm young and I want to have a good time.

Age 25 to 35 - I've only been working a few years. Things will be


looking up soon and then I'll be able to invest.

Age 35 to 45 - "How can I Invest now? I am married, have children to

care for, I have so many expenses in my life. When the children are a
little older, I can start thinking about investing."

Age 45 to 55 - "I wish I could invest now, but I just can't do it. I have

two children in college and it's taking every cent and more to keep
them there.

Age 55 to 65 - "I know I should be investing now, but money is tight.


Age over 65 - "Yes, it's too late now. We are living with our eldest son.
If only I had invested when I had the money.

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