Growing Wealth Through Investments
Great News!
Anuman ang iyong hanapbuhay - teacher ka man, accountant, doctor, engineer, manager, factory worker, security guard, OFW, seafarer, empleyado o negosyante ka man - maaari ka nang makapag-Invest.
The International Marketing Group aspires to become the forefront among the companies of its kind today. To further drive the right business concepts, services, and product not just to the affluent people but to the middle-income individuals as well. Please watch the video below;
Below are 3 Great Investment Options In Building Real Wealth
In the Philippines, a lot of sick people die not because there is no medicine or treatment available but they don't have money to pay for these cost.
Start Your Long Term Health Care Investment Now
While Insurance is not a fun topic, it is a critical part of your financial strategy.
Life Insurance doesn't insure your life. It insures your family's ability to continue on without being financially devastated should anything happen to you.
If you want to own a business, pwede kang magsimula ng traditional business. Or pwede kang bumili ng shares ng mga kumpanyang listed sa Philippine Stock Exchange (PSE).
Thru the stock market and mutual fund, pwede kang maging co-Owner at Partner sa negosyo ni Jollibee, SM, Ayala, BPI, BDO, PLDT, Globe, Meralco, at marami pang iba.
Let's Talk About These 3 Kinds of Healthcare
Short-term healthcare, Long-term healthcare, and Senior Care.
Short-Term Healthcare
Ito ang healthcare na binabayaran taon-taon up to age 60 (magamit man natin o hindi).
Kapag nagpa-check up tayo o na-confine, sagot ng healthcare company ang bill natin. Kapag hindi natin nagamit, hindi carried over ang benefits the following year.
Kung empleyado ka, binabayaran ito ng kumpanya HABANG nagta-trabaho ka pa. Oras na mag-resign ka, o mag-retire na, hindi ka na covered.
Tanong: Kailan lumalabas ang mga mas seryosong sakit - habang bata, o kapag tumanda na tayo?
Long-Term Healthcare
Ito ang healthcare na pwede nating simulan habang bata pa tayo, o habang hindi pa tayo Senior (10 to 60 years old).
Ito ang pinakamurang healthcare dahil pitong (7) taon lang nating huhulugan, pero covered tayo hanggang pagtanda.
Senior Care
Ito naman ang yearly healthcare for Seniors age 60 pataas.
Since alam ng healthcare companies na madalas nang magkasakit ang mga Senior, ito ang pinakamahal na healthcare.
Bakit maganda ang Kaiser Long-Term Healthcare?
Ano ba ang features ng Kaiser Long-Term Healthcare?
The KAISER Long-Term Healthcare is a 4-in-1 product.
Healthcare
SHORT-TERM + LONG-TERM HEALTHCARE.
Kung magkasakit tayo NGAYON o pagdating ng ating SENIOR Citizenship, pwede nating gamitin ang Kaiser in all accredited clinics and hospitals nationwide.
Life Insurance
Covered tayo with Life and Accidental Insurance for 20 years, in case of untimely death.
In case the insured passes away during the paying period of 7 years:
1) The remaining installments will be waived.
2) The beneficiaries will receive the insurance proceeds.
3) At malilipat kay Beneficiary #1 ang policy. Siya na ang bagong owner of the plan. Wala na siyang babayaran. All investment and healthcare benefits, siya na ang makakagamit at makakakuha.
Investment
Ito lang ang Healthcare Plan na nire-Reward tayo kung hindi tayo nagkakasakit. The Healthier we are, the Better because the More our INVESTMENT GROWS.
Once our plan matures at the end of 20th year, pwede natin i-withdraw, o iwanan lang ang pera para tuloy-tuloy lumago for our Long-term healthcare needs, or source of Retirement Fund (Passive Income).
In Kaiser Long-Term Healthcare
You can already build a SOLID FINANCIAL FOUNDATION.
KAISER PRE-COMPUTED TABLE
I Love How Kaiser Long-Term Healthcare Works
Do You LOVE Your FAMILY?
Show Your LOVE by PROTECTING THEM with Adequate Life Insurance in case You Die Too Soon.
Introducing M.O.S.T. 18
M.O.S.T. 18 is an 18-term life insurance product with PDF or Premium Deposit Fund.
M.O.S.T. stands for Multiple Option Super Term, and it’s a life insurance product that covers you for 18 years, thus the name M.O.S.T. 18.
It’s a product by Manila Bankers Life Insurance Corporation, and launched in partnership with IMG to provide Filipino families with an affordable term life insurance with a Zero-risk savings and investment component.
M.O.S.T. 18 allows a family to have MAXIMUM LIFE INSURANCE COVERAGE at a MINIMAL COST.
AFFORDABILITY
How Affordable is M.O.S.T. 18?
For a 30-year old, the annual premium would only be P5,710 for a P1 million coverage. Yes, that's right. You only have to pay P5,710 per year (not per month, not per quarter).
OPTIONAL INVESTMENT
PDF is like a Mutual Fund.
It can earn more than a savings account, and it is very liquid. You can put more money there anytime you want. And you can also withdraw your money from it any time you need it....with ZERO CHARGES!
PREMIUM DEPOSIT FUND
For example, if you paid P8,710 instead of P5,710 for a particular year, then the excess P3,000 will be invested to your PDF.
The following year, because you have P3,000 in your PDF, you can choose to just pay P2,710 to pay for the annual premium of your life insurance.
But let’s say that the market was good during the year, and the P3,000 in your PDF earned and became P3,710 in value. Then you’ll only need to pay P2,000 for next year’s annual premium.
Most 18 Multiple Option Super Term
Here's a video explanation on How M.O.S.T. 18 Works
List of Features and Benefits
Affordable
It’s a term life insurance, the most affordable type of life insurance.
Higher Fund Value
PDF allows higher growth of return. It has a ZERO-Negative feature. Even if the stock market drops in a particular year, the PDF will still give you a positive return for the year.
Premium Flexibility
Settle your contributions on a schedule that fits your lifestyle.
Withdrawal Advantage
Withdraw anytime without penalty.
Level Coverage Risk
Your savings is always added to your coverage (death benefit).
Emergency Fund Advantage
You already have savings in the first year.
Alternative Investment Flexibility
You are free to decide where to invest the difference.
Early Maturity
Maturity after 5/10/15/18 years.
Issue Age is 5 yo to 60 yo
Insure yourself and your whole family.
Address Various Financial Needs
The PDF can be used to fund your Retirement, Pension, Kid's Education, Travel, etc.
Convertible To Permanent Insurance
You have an option to a permanent policy.
Low Chance of Lapsation
Premiums may be settled from your PDF / investment earnings.
How Do I Apply And What Are The Processes?
1.
Fill-Up Proposal Form Online
2.
Agree on the Generated Proposal
3.
Fill-up and Sign the Application
4.
Review And Complete The Application
5.
Choose Payment Method
BPI Bills Payment, Paypal, Credit Card, Bank Deposit/ Transfer/ Remittance, Bancnet
6.
Complete Online Payment
7.
Wait For underwriting Approval
For complete applications, expect approval within 24 business hours (except Sundays and Holidays)
8.
Receipt of Online Policy Management System (OPMS)
Email instructions will be sent immediately upon approval
Can I Create a M.O.S.T. 18 Proposal?
I'm an OFW, Can I have My Insurance?
Yes! As long As You're An IMG Member. Become A Member Here
Ano ba ang STOCK MARKET?
If you want to own a business, pwede kang magsimula ng traditional business. Or pwede kang bumili ng shares ng mga kumpanyang listed sa Philippine Stock Exchange (PSE).
Thru the stock market, pwede kang maging co-Owner at Partner sa negosyo ni Jollibee, SM, Ayala, BPI, BDO, PLDT, Globe, Meralco, at marami pang iba.
Indirect Stock Market Investing
A mutual fund is an investment company that pools money from different individuals or institutions. The fund manager monitors the markets, always with the intention to maximize the returns of the fund.
Direct stock Marekt Investing
You are your own fund manager. You decide which stocks to buy or to sell.
Kung hindi mo naiintindihan how the stock market works, at wala kang oras to do research (or monitoring), baka malugi ka lang.
Ang Mutual Funds ay isa sa mga investments ng mga mayayaman.
...na pati ang SSS ay nag-iinvest dito.
Mutual Fund is a Great EQUALIZER!
Ang interest na kikitain ng P1,000 natin, ay kapareho din sa kikitain ng P5,000,000 ng ibang shareholder.
Ibig sabihin, kung 20% ang kinita ng MF company this year, lahat tayo pare-parehong 20% din ang tubo, in proportion kung magkano ang ating perang ininvest.
THE BENEFITS OF MUTUAL FUND INVESTING
1. PROFESSIONAL MANAGEMENT
May Full-time investment Expert na tumututok sa investments natin. Maliban sa kumain at matulog, trabaho niyang bantayan ang stock market o bond market.
So kahit busy tayo sa ating trabaho, careers, sa ating negosyo, o tayo’y nasa bakasyon, may Peace of Mind tayo na 'di hamak na mas magaling sa atin ang nagbabantay at nag-momonitor ng investments natin.
2. POTENTIALLY HIGHER RETURNS
Ang P1,000 ko, o P100,000 mo ay "naka-angkas" sa bilyong pera ng mutual fund company. Dahil dito, nakaka-access ang pera natin sa mga potentially higher yielding investments na available lang sa mga big-time investors.
Sinisiguro din ng fund manager that the mutual fund generates the best possible returns for the given level of risk of the mutual fund.
3. DIVERSIFICATION
A mutual fund company invests in 20 to 30 different companies in the stock market.
Kung direct stock market ka mag-iinvest, very limited ang mabibili ng P10,000 mo, or even 100,000.
Pero sa mutual fund, ang P1,000 mo ay automatic nakakalat sa iba't ibang kumpanya sa stock market. Malugi man ang dalawa, break-even ang lima, lumipad ang sampu, PANALO ka pa din!
4. LIQUIDITY
You can sell your shares ANYTIME. Within 3 – 7 banking days lang, makukuha mo na as Cash.
5. LOW MINIMUM INVESTMENT REQUIREMENT
For as low as P1,000, you can open a mutual fund account. Ibig sabihin, kahit minimum wage earner ay pwede na maging Investor.
6. SAFETY
Ang mutual funds ay highly regulated ng Securities and Exchange Commission (SEC). They are also regularly audited by an independent auditor. The assets of the mutual fund are held by a third-party custodian bank.
7. Tax Exemption
Gains realized by investors upon redemption from their mutual fund shares in a mutual are excluded in the definition of gross income, therefor there are not subject to personal income tax as stated in the RA #8424 (also known as Tax Reform Act of 1997)
