Wealth Builder with IMG

PWEDE KA KUMITA!

YES, tama nabasa mo...
Kasi pwede ka maging Agent sa Kaiser at iba pang Financial Products tru IMG Membership Platform

- Walang Quota
- Walang Time Pressure
- Walang Teritory Limit
- Hindi ka matatanggal kahit poor performance
- Hindi ka din madedemote kahit hindi ka madalas magpakita
- Pwede ka magkaron ng Active and Passive Income
- Pwede mo ipamana sa Asawa at Anak mo ang Position at Income mo.
- May Ownership ito kaya na sayo ang control
- Walang Boss pero madaming Coach
- Life Time Career ito... kahit retire kana... tuloy ang income.

Walang company na mkakatapat dyan. Kaya nagJoin ako eh.

MagJOIN kana din, para hindi sayang effort at sipag mo sa ginagwa mo...

MESSAGE NA!

Money is one of the key factors in creating wealth
Time is the most important thing when you invest
Kelan ka mag dedecide? Pag huli na?

Narito ang mga pangunahing **risk kapag ipinagpapaliban ang pag-iinvest**, lalo na para sa edad 30–40:

⚠️ **1. Sayang ang oras – Time is your greatest asset**

Habang tumatagal, **mas kaunti ang panahon** mo para mapalago ang pera mo. Ang maagang pag-iinvest ay nagbibigay ng **compound interest**, na lumalaki habang lumilipas ang taon.

💸 **2. Mas mahirap makahabol**

Kung mag-iinvest ka sa edad 45 o 50, **mas malaki na ang kailangan mong ilagay buwan-buwan** para makahabol sa retirement goals — at baka hindi na realistic ang amount.

📉 **3. Inflation – Lumiliit ang halaga ng pera mo**

Kung nakaimpok lang sa regular savings, **kinakain lang ng inflation ang value ng pera mo**. Hindi sapat ang 0.25% interest ng banko kung ang inflation ay 4% pataas.

😰 **4. Emergency fund, retirement fund, children's education — lahat sabay-sabay**

Kapag huli ka nag-start, **magkakasabay-sabay na ang gastusin**, lalo na kapag tumatanda ka na. Mas mahirap mag-budget, at pwedeng mag-lead sa utang.

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😞 **5. Regret – “Sana noon pa ako nag-umpisa”**

Marami ang nagsisisi hindi dahil nagkamali sila, kundi dahil **hindi sila nagsimula agad**. Ang simpleng P1,000/month investment sa maagang edad ay pwedeng maging milyon sa paglaon.

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✅ The best time to invest was yesterday. The next best time is NOW.**

**Kahit maliit, basta consistent — may mararating!**

Send us a message, book your appointment. 🙂

Every financial problems has the right vehicle, that is why you need Financial Education to know the right step to take. If you want to know more send us a message.

𝗧𝗛𝗘 𝗧𝗥𝗨𝗧𝗛: No, your total savings is NOT being taxed. Only the interest or “tubo” your money earns gets a 20% tax.

Your ₱100,000 is still ₱100,000.
But if it earns ₱6,000 in interest, that’s when the 20% tax applies.
Quick math:
₱6,000 interest × 20% = ₱1,200 tax
You get to keep ₱4,800 of your earnings.
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𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘁𝗵𝗼𝘀𝗲 𝗡𝗢𝗧 𝗔𝗳𝗳𝗲𝗰𝘁𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝟮𝟬% 𝗧𝗮𝘅 (𝗮𝘁 𝗹𝗲𝗮𝘀𝘁, 𝗳𝗼𝗿 𝗻𝗼𝘄):
Cooperative Time Deposits – if you’re a member of a registered coop, your savings might earn dividends tax-free.

Pag-IBIG MP2 Savings – government-backed, 5-year term, tax-free dividends (subject to availability).

Stocks & Mutual Funds – gains here have separate tax rules (e.g. capital gains tax, stock transaction tax), but not the blanket 20% on savings interest.

Digital wallets/investment apps – some fintechs offer savings-like products with varied tax implications (check each one carefully).

Life Insurance with Investment (e.g. VULs) – long-term growth, with built-in life protection, and not taxed like bank deposits.

Crypto platforms – risky, yes, but currently not affected by this FWT (Final Withholding Tax).
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So… what now?
You don’t need to pull your money out of the bank.

Diversify: Consider splitting your money across bank, Stock Market, Mutual Funds, PDF, MP2, coop, investment apps, etc.

Ask questions: Not all "savings" are created equal. Some grow quietly, some are taxed loudly.

“Where else can my money grow better?”
“What other options are safer and smarter?”

Don’t panic—but also, don’t park all your dreams in one taxed bucket.

Let’s talk. Let’s learn. Let’s grow.
Here —we break down big changes in real talk.

Just message us for more details 💙

Bakit ko shinare ang IMG?
👉 Dahil naniniwala ako na "financial education is the key to freedom."
Sa IMG Community, natututo tayo paano mag-ipon, mag-invest, at magplano para sa kinabukasan — hindi lang para sa sarili, kundi para sa buong pamilya.
✅ Libre ang financial literacy seminar
✅ Bukas para sa lahat – OFW, empleyado, self-employed o estudyante
✅ May access ka pa sa healthcare, insurance, investment, at business opportunities
Gusto ko lang iparamdam sa lahat na may mas magandang paraan para makamit ang time freedom at financial peace.
Kaya kung nabasa mo ito, baka ito na ang sign mo para magsimula.

May kakilala ka bang tao na may pamilya? I recommend mo sa kanya ang IMG. Lalo na kung OFW, malaki ang maitutulong ng IMG sa buhay nila. 🙂