Rommel Torno- IMG Financial Educator

https://youtu.be/Ycnosjy7Hq0

The TRUTH about IMG Sa aming IMG Community at sa lahat ng Pilipinong Pamilya na gustong makaahon at umangat sa kanilang buhay, PARA SA INYO po ang video na ito. :-)********Sa ka...

Mahalin ang financial education at mamahalin ka din nito pabalik. Dahil ito ang magtuturo kung paano ituring na karelasyon ang investments at mahalin ito ng mahabang panahon.

Katulad sa relasyon, ang patience and understanding ay susi para mapanatili ang matagal na pagsasama ng investment mo.

At katulad pa din sa isang relasyon, Meron din dapat ‘getting to know’ stage sa Pag-i-invest-an para hindi natatakot sa ‘mood swings’ nito. At para maaral at maintindihan kung bakit mas maganda at advantageous ang long term investment.

Kaya mahalin ang financial education para matutunan ang importance ng growing wealth slowly but surely at kung paano mag build ng strong financial foundation.

Mag-attend na ng free webinar.
Message me for more info.

At para tuloy-tuloy ang pag-a-aral na may kasama pang free financial checkup and coaching plus Meron pang more than 40 membership benefits, mag enroll na sa IMG dito sa link na ito - https://298697ph.imgcorp.com/

Image (edited❤️) credit to IMG Dominate tool.

Happy Valentine’s Day everyone💝💝
CTTO

Financial Education is FREE, simple and easy to understand. Others are just making it COMPLICATED so people will pay in order to help them understand 🙂 Ironic isn't it?

Whether we have money or don't have, we ALL need FINANCIAL EDUCATION!

Is Investing and Financial Literacy Only for the Rich? | Your Money Matters EP1 Ito na inaabangan nating lahat! Be one of the firsts to watch the Pilot Episode of Your Money Matters, showing now!Tara na, sabihan ang mga kapamilya at kaib...

Ready ka na ba sa 3 IF's of LIFE?

What IF you get sick?
What IF you die too soon?
What IF you live to long?

Kaiser Longterm Healthcare will address the 3 IF's of LIFE.
Healthcare - IF you get sick
Income Protection -IF you die too soon
Investment - IF you live too long

Get your Kaiser quote on this link:
👉🏻 https://298697ph.imgcorp.com/quote/kaiser
To learn about IMG click this link:
👉🏻 https://298697ph.imgcorp.com/

Or PM us for more info😊

INFLATION

Dati ang 2pesos ay papel pa
Dati ang 5pesos ay papel pa
Dati ang 10pesos ay papel pa

Ngayon ang 20pesos na papel noon barya na rin ngayon.

Inflation🤔. Huwag po kayong magdiwang dahil bilog na rin ang bente. Dahil tumaas na ang sahod.

Aren't you afraid? 5-10yrs from now baka ang 100 pesos, coins na lang. Yung value ng pera pababa ng pababa. Ang gastusin pataas ng pataas. Tumaas man ang sahod mo next year wag ka mag diwang dahil kung iisipin mo breakeven lang or worst reality luge kapa nga.

Kaya this is the right time to do more in your 2021 ! Because you deserve more, I know you know that, but you don’t know what you deserve!

Start this year by investing in your future with what you're working hard for today!

Invest it wisely. ✨
We have financial literacy sessions completely for free! I would be glad to give you more info.
Here: ✅👉https://282981ph.imgcorp.com/

📩Message me🙋

You are rejecting Mr. Healthcare today, because you are healthy.

Mr. Healthcare will reject you in the future, when you get Sick.

Learn more about LongTermHealthcare investment. May Healthcare ka na if you get sick + May insurance if you die too soon + Investment if you live too long.

Pm me for more details.



CTTO

"Sa panahon ngayon ay dapat tayong mag-ipon di natin alam ang buhay.
Ang sakit ay isang KILLER darating na lang bigla, katulad nitong pandemic, dumalaw si COVID, ayaw ng umalis ito ay isang halimbawa na hindi natin inaasahan daming namatay, daming nakaratay sa pagamutan 😌😔..marami pa syang gustong kapitan
PLEASE READ down below..↙️↙️↙️↙️

Imagine Quarantine period as your Retirement:
📷 𝗡𝗼 𝗪𝗼𝗿𝗸. 𝗡𝗼 𝗣𝗮𝘆.
📷 𝗬𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝘁𝗼𝗽𝘀, 𝗯𝘂𝘁 𝘆𝗼𝘂𝗿 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 𝗰𝗼𝗻𝘁𝗶𝗻𝘂𝗲
Quarantine lasts for weeks. Retirement will last for years.
𝙒𝙞𝙡𝙡 𝙮𝙤𝙪 𝙡𝙞𝙫𝙚 𝙖 𝙘𝙤𝙢𝙛𝙤𝙧𝙩𝙖𝙗𝙡𝙚 𝙡𝙞𝙛𝙚 𝙙𝙪𝙧𝙞𝙣𝙜 𝙧𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩, 𝙤𝙧 𝙬𝙞𝙡𝙡 𝙮𝙤𝙪 𝙙𝙚𝙥𝙚𝙣𝙙 𝙤𝙣 𝙮𝙤𝙪𝙧 𝙧𝙚𝙡𝙖𝙩𝙞𝙫𝙚𝙨, 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣, 𝙤𝙧 𝙩𝙝𝙚 𝙜𝙤𝙫𝙚𝙧𝙣𝙢𝙚𝙣𝙩 𝙩𝙤 𝙨𝙪𝙧𝙫𝙞𝙫𝙚?
May the quarantine period be a time for Filipinos to reflect:
📷Is saving for emergency fund necessary?
📷Will you have a comfortable future if you don't prepare for it?
📷Can your children support your needs during old age ?
📷Can the government provide you with everything you need when you are old?
Reflect. Understand. Take action.
Your future is your responsibility.
Attend our financial literacy webinar !

JOINS IMG NOW‼️‼️
Pm me for more details.





Ctto

"Being an EMPLOYEE is not a lifetime career: Reduce your risk through financial literacy"

√ You will never be forever young "TATANDA KA RIN" and your chances of being retained or being hired again by employer/s is at stake.

√ You will never be healthy all the time - sickness is no respect of person, age & time.

√ You may have now all the sophisticated gadgets in the world of modern technology, but none of those could generate income to sustain your lifestyle and your family needs and the worst is you end up broke during your retirement age - nothing to sustain you.

In an age where there is really no job security, you need to beef up your assets or securities.

This means turning your hard-earned income into paper assets or portfolio assets and passive assets.

These will earn income for you long after your job is gone.

Clinging to a job without any paper or passive assets to back up is riskier business in the long-term.

"Hard work beats talent when talent doesn't work hard" - Tim Notke

Attend our Free Financial Education Program.



https://img-wealthacademycenter.weebly.com/mel-page.html

Ctto

Ang MUTUAL FUNDS ay pinagsama-samang fund o pondo, na inilalagay o ini-invest sa Stock Market o Philippine Stock Exchange, sa government bonds, at iba pang market funds.

Isang rin itong paraan para mapalaki at mapalago ang ating pinaghihirapan na pera.

Tinatawag din itong makabagong paraan ng pag-iipon.

PAANO NGA BA MAG-INVEST SA STOCK MARKET?
DIRECT STOCK INVESTING
Kapag Direct Stock investing, ikaw ang Fund Manager at ikaw ang mag dedecide kung anong company ang bibilhin mo.

Halimbawa, si PLDT 3,000 per share ngayon at ang minimum board lot nya ay 5 shares, so 5 x 3,000 is 15,000 pesos. Para makapag-invest ka sa PLDT ang need mo ay 15k.

Now halimbawang bumagsak ang market at nag-withdraw/nagbenta ka ng shares lugi kana kasi isang company lang ang nabili mo, take note 15k isang company lang.

At para maging succesful ang pag-iinvest Directly sa Stock Market kailangan mo ng tatlong bagay:

a.) Time
b.) Knowledge/Technical Analysis
c.) Big Capital

INDIRECT STOCK INVESTING
Sa Indirect stock investing naman ang tawag ay Mutual Funds, hindi ikaw ang magdedecide dito kung saan mag iinvest na company. May Professional Fund Managers na magma-manage ng pera natin.

Example, ikaw may 5,000 pesos, ako may 100,000 pesos at yung friend mo may 1 milyon. Yung 5k, 100k at 1M pagsasamahin yan ng Fund Manager at ibibili ng maraming companies, minimum of 10 BIG Companies dahil malaki ang budget natin. Dun yan ilalagay ng Fund Manager na sa tingin nya ay matatag na company.

Let's say ang mga company ay SMDC, AyalaLand, DMCI, VistaLand, Globe, Meralco, Jollibee, GMA, ABS-CBN, PLDT. assuming na yan yung 10 BIG Companies. Let's say bumagsak si PLDT, ABS-CBN at MERALC0. Kunwari yung tatlo na yan ay nalugi, pero yung 7 na natirang company ay kumita. Still, kumita kapa rin. Take note 5k lang ang budget mo nakabili ng 10 companies versus sa 15k na direct investing pero 1 company lang nabili.

BOTTOM LINE:
Kung ikaw ay may Time, Knowledge about Technical Analysis at may malaking Capital, mag-invest ka sa direct Stock Market. Pero kung ikaw ay bago pa lamang, wala pang idea talaga at di kalakihan ang capital, I suggest mag Mutual Funds ka muna and then kapag alam mo na ang pasikot-sikot ng Stock Market that's a time na magsimulang mag-direct stock investing. Sa Indirect Stock investing naman, maaari kang magsimula for as low as 1, 000 pesos only.

INTRODUCING
WORK FLOW OF MUTUAL FUND
Ang MUTUAL FUNDS ay pinagsama-samang fund o pondo, na inilalagay o ini-invest sa Stock Market o Philippine Stock Exchange, sa government bonds, at iba pang market funds.

Isang rin itong paraan para mapalaki at mapalago ang ating pinaghihirapan na pera.

Tinatawag din itong makabagong paraan ng pag-iipon.

Mutual Fund is the best way to start investing in Stock Market because:
1. It is Professionally Managed
Kung nagsisimula ka pa lamang sa pag-iinvest much better na ipaubaya muna natin ito sa mga experts (Professional Fund Managers) at kapag familiar kana sa sistema ng Stock Market dun kana mag-start ng direct investing. Kumbaga sa pampasaherong jeep, kung hindi ka pa marunong mag-drive, ipaubaya mo muna ito sa driver. Sumakay ka lang muna at makakarating ka ng safe sa pupuntahan mo.

2. It is Very Liquid
Meaning anytime pwede mong i-withdraw, some Mutual Fund companies may mga charges pero kapag nalagpasan mo na ang holding period wala na itong charges. Parang bank lang din ang MF, ang pinagkaiba lang ay sa Bank madali mo siyang makuha sa thru ATM, unlike sa MF 3-7 days pa para ma-withdraw ang pera. So, wag na wag mong ilalagay lahat ng pera mo sa MF, make sure na may laman pa rin ang Savings Account in case of emergency.

3. It has a Low Minimum Investment Requirement
For as low as P1,000 - P5,000 you can open ang account in MF (some MF companies requires P10,000 – P100,000 to open an account). Ma-swerte tayo sa panahon ngayon dahil mababa nalang ang investment requirement, unlike dati na kailangan mo talaga maglabas ng hundred thousands para makapag-open ng account sa MF. Sa panahon ngayon khit minimum wage earner, magbabalot, janitor, construction worker, etc. pwede na maging INVESTOR. At kung mag-iinvest ka monthly pwede ka mag-top up basta minimum of P1,000.

4. It is Diversified
Yung P5,000 mo na yun ay mabibili agad ng minimum 10 BIG Companies (Blue Chip Companies) yan yung mga companies na matatagal na talaga. Hindi ka basta basta malulugi sa MF dahil DIVERSIFIED na siya, dahil khit malugi man ang 3 companies let’s say si PLDT, Meralco, BDO. Yung remaining 7 companies naman ay kumita, still kumita ka pa rin.

5. It is Very Transparent
May matatanggap kang SOA (Statement of Account) quarterly, dun nakalagay kung ilang shares na meron ka at magkano na total ng kinita ng pera mo. Since Shareholder ka ng MF Company, may karapatan kang umattend ng mga Shareholder’s Meeting, dun ididiscuss kung saan ba ininvest ang pera natin, ano ba naging performance this past few months or year. Sa Mutual Funds you’re a Shareholder or Stockholder of the Company.

6. The Gains are Tax-Exempt
Kapag bumili tayo ng isang bagay merong tinatawag na sales tax/value added tax. Kapag nag-withdraw tayo sa savings account natin merong tinatawag na withholding tax at kahit na mamatay tayo meron pa ring tinatawag na estate tax. Pero sa Mutual Funds, walang tax. Kung ang money mo sa MF ay P100,000 at nagwithdraw ka, buong-buo walang labis, walang kulang P100,000 pesos pa rin yan.

7. Zero Load
Ibig sabihin nito ay walang kaltas ang pera mo. For example nag-open ka ng MF Account mo with 5,000 minimum initial investment. Kung Zero Load ang Mutual Funds mo buong buo yang 5,000 mo ay ibibili ng shares. Pero kung hindi yan Zero Load may ibinabawas na around 3% sa pera mo and every time na magdadagdag ka ng investment mo may 3% pa rin na ibabawas dito.

WHAT IS THE NAVPS?
NAVPS/ NAVPU (net asset value per share/ unit) is the value of one share/ unit of a mutual fund. This is computed by dividing net assets by the number of shares/ units held by an investor. Fund managers buy and sell shares/ units in a mutual fund according to the NAVPS/ NAVPU, which changes every business day depending on the market value of the assets of the fund.

If the NAVPS/ NAVPU of the mutual fund you are invested in increases or appreciates, you can sell your mutual fund shares/ units for a profit. In the same way, if the NAVPS/ NAVPU of the mutual fund you are invested in decreases or depreciates, you may realize a loss if you redeem.

PAANO KUMIKITA ANG PERA SA MUTUAL FUND?

Formula:
(Current NAVPS x total No.of Shares)
Sa pag iinvest sa mutual fund Hindi palakihan ng halaga ng nainvest mo ang labanan. Kundi, paramihan ng shares na nabili at patagalan ng taon.
For example:
From 2001-2007, invested Php 3,000 monthly
Total amount invested: Php 250,000
No of shares accumulated: 49,014.33
Net Asset Value per Share: Php 11.2818 (2007)
Staying period: 9 years 2007-2016
Total Amount invested with gains/loss: Php 1,672,109.17
No of shares: 49,014.33
NAVPS as of (05-04-2016): 34.1147
GAINS: 1,420.109.17
Kaya pag down ang market wag mo withdrawhin
Umabot na ng 43.+ yung NAVPS nito last 2018
Pero last March 12, 2020 lang, yung NAVPS ay 28.5919 dahil bagsak ang market because of COVID-19.

Upang mas maunawaan mo kung bakit, panoorin mo ang video.

Like any other investment instrument, mutual funds are best held long-term especially for mutual funds that have investment objectives of capital growth such as equity funds.

How to Start MUTUAL FUND Investments?
There are 2 options to start your Mutual Fund investment:
FIRST OPTION: Pwede kang mag-open ng Mutual Fund account diretso sa mga Mutual Fund Companies. Maghanap lang ng agent or ng CIS (Certified Investment Solicitor) sa kanilang office upang ma-assist ka nila.

Here are the list of TOP Mutual Fund Companies in the Philippines that I know:

Philam Asset Management, Inc. 12th Floor, Ayala Life-FGU Center, Ayala Avenue, Makati City
Sun Life Asset Management Company, Inc. Rizal Dr, Taguig, Metro Manila
ATR Asset Management, Inc. 17th Flr., Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue 1226, Makati City
Philequity Management, Inc. Suite 2004-A, East Tower, Philippines Stock Exchange Centre, Exchange Road, Ortigas Center 1605, Pasig City
Soldivo Funds under Rampver Financials Unit 2202, 22nd Floor, Antel Corporate Center, Valero, 3 Access Rd, Makati City
First Metro Investment Corporation GT Tower, Ayala Ave, Makati, Metro Manila
Maaari kang magpunta sa offices nila upang makapag-open ng MF account. PERO, may tinatawag silang Entry Fee or Sales Load na ibinabawas sa tuwing tayo ay mag-iinvest, usually nasa 3.5% ang charges depende sa mutual fund company.

For example ay nag-invest ka ng P100,000 sa isang MF company. Automatic yan ay may ibabawas na 3.5% sa perang ininvest mo. P100,000 x 3.5% = P3,500 Ibig sabihin may ibabawas na P3,500 sa perang ininvest, instead na buong P100,000 ang perang naibili mo ng shares ay nabawasan pa at naging P96,500. At sa tuwing dadagdagan mo pa ang investment mo ay may ibabawas pa rin na Sales Load.

SECOND OPTION: Pwede kang mag-open ng Mutual Fund account through IMG (International Marketing Group). Kaya kung isa kang member ng IMG ay sulit na sulit ay iyong membership dahil isa sa mga benefits ng member ay ZERO LOAD sa Mutual Fund Investments. Ibig sabihin kung halimbawang P100,000 ang na-invest mo ay buong buo yan walang bawas mabibili lahat ng share.

For more details message me of click this link:
👇🏼👇🏼👇🏼👇🏼👇🏼👇🏼
https://img-wealthacademycenter.weebly.com/mel-page.html

KAISER Facts❗️

☑️Ang KAISER ay regulated by S.E.C. (Securities and Exchange Commission) and I.C. (Insurance Commision)

☑️ Regulated by I.C. means they don't just have to be afraid because I.C. cannot accept any insurance company whose fund is under 50 M.

☑️KAISER has 160M na pondo kaya more than 3x sa required na qualification.

☑️ KAISER is one of the product providers who affilliate IMG if we notice that we can start with KAISER even if you are not an IMG member.. the beauty is that IMG is an exclusive distributor. Anyone who is Filipino can get Kaiser 10-60 y / o can't offer a Kaiser plan if you aore not a member.

Kaya choose what is the right and best Healthcare for you!!!
Ctto

Pm is the Key 😇😇

Kung Scam si IMG ,magiging ambassador ba ng kompanya si MS. KORINA SANCHEZ at BOY ABUNDA Ipapalabas ba ito sa DZMM Kape't salita.
Idagdag pa natin ang Ambassador ng Kaiser International Health group na si Ms,Sharon Cuneta -Pangilinan

Hindi po sila basta basta magtitiwala at sisirain ang kanilang career kung wala silang tiwala sa , At kung hindi matatag at matagal na kompanya....

Walang Scam na kompanya na magtuturo kung paano ang tamang pag sasave at paano mapapaghandaan ang ating FUTURE.....

➡️IMG GLOBAL FINANCIAL LITERACY CAMPAIGN

➡️Our Mission is to educate 30million FINANCIALLY EDUCATED FAMILIES BY 2030...

Photo credit to the owner.

JOIN US.....


..