art of sunstone presentation integrated value

1

welcome to

SUNSTONE

2015 WE SHINE FOR YOU

the of SUNSTONE_A_R_T_

€ "You did not choose me, but I chose you and appointed you so that you might go and BEAR FRUIT—fruit that will last—and so that whatever you ask IN MY NAME

the Father will give you. This is my command: Love each other," said Jesus. John 15:16-17 NIV

_VISION_ to be sun life’s most innovative league,

home of passionate achievers of Macaulay, MDRT, and Leader’s

Conference; leaders in refining financial education; fueled with Faith

and united with one goal.

_Mission_ To develop innovative leaders &

highly influential advisors, advocating financial freedom.

the of SUNSTONE_A_R_T_Investment Life Insurancewhen we fail to PLAN, then we are planning to FAIL

3


1 year - Time Deposit

the of SUNSTONE_A_R_T__VISION_

to be sun life’s most innovative league, home of passionate achievers of Macaulay, MDRT, and Leader’s





proverbs 20:21 An inheritance quickly gained will

not be blessed in the end

proverbs 21:5 the PLANS of the diligent leads to profit,

as surely as haste leads to poverty

AmountPS BANK BDO

APR. 2012

FEB. 2013

JUN. 2013

May.2015

APR. 2012

FEB. 2013

JUN. 2013

May 2015

10,000 - 99,999 0.75% 0.25% 0.25% 1.25% 1.87% 1.12% 0.5% 0.5%

100,000 - 299,999 3% 1.5% 1.25% 1.25% 2.12% 1.37% 0.75% 0.5%

300,000 - 499,999 3% 1.5% 1.25% 1.50% 2.12% 1.37% 0.75% 0.88%

500,000 - 999,999 3.25% 1.75% 1.25% 1.50% 2.25% 1.5% 0.875% 0.88%

1 M - 4.9 M 3.5% 2.25% 1.25% 1.50% 2.37% 1.62% 1% 1%

5 M - 9.9 M 4% 2.75% 1.25% 1.50% 2.5% 1.75% 1.125% 1.130%

10 M & UP 4.25% 2.75% 1.5% 1.25% 2.5% 1.75% 1.125% 1.000%

* subject to 20% withholding tax *

http://www.imoney.ph/time-deposit

*source: http://www.imoney.ph/


http://www.imoney.ph/articles/3-ways-government-can-decrease-income-taxes/


proverbs 20:21 An inheritance quickly gained will not be blessed in the end



PSALM 90:12 teach us to number our days that we may gain a heart of wisdom.

1%

3.25%

5.5%

7.75%

10%

1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

6.8%7.5%

9.2%

5.6% 6%

4%

6.75%

3% 3.45%

5.95%

7.65%

5.5%

2.9%

8.3%

4.1% 3.8%4.6%

3.2% 2.95%4.1%

year inflation rate

Big Mac (₱)

2008 8.3% 105

2009 4.1% 109

2010 3.9% 114

2011 4.6% 119

2012 3.2% 122

2013 2.95% 125

2014 4.1% 130 100

107.5

115

122.5

130

2008 2009 2010 2011 2012 2013 2014

₱105₱109

₱114

₱119₱122

₱125

₱130

7 years = 23.81%

when we fail to PLAN, then we are planning to FAIL

Average Annual Inflation Rate*source: http://www.imoney.ph/

http://www.imoney.ph/articles/3-ways-government-can-decrease-income-taxes/


to be sun life’s most innovative league, home of passionate achievers of Macaulay, MDRT, and

Leader’s Conference; leaders in refining financial education; fueled with Faith and united

with one goal.





the of SUNSTONE_A_R_T_Investment Life Insurance


the of SUNSTONE_A_R_T_when we fail to PLAN, then we are planning to FAIL

Value of starting EarlyAGE STARTED 1.2 M invested on 10th 55 60 65

20 ₱1,500,000 ₱16,000,000 ₱25,000,000 ₱41,000,000

21 ₱1,500,000 ₱14,000,000 ₱22,000,000 ₱39,000,000

25 ₱1,500,000 ₱9,000,000 ₱15,000,000 ₱25,000,000

30 ₱1,488,000 ₱6,000,000 ₱9,000,000 ₱15,000,000

MAXILINK Prime - 10% annual growth (illustration purpose) 120k/yr for 10yrs = w/ ₱4 Million Life insurance w/ ADB & TDB

AGE 0 (7 days old) 600K invested on 10th 55 60 65

₱771,000 ₱57,000,000 ₱93,000,000 ₱151,000,000

AGE 0 (7 days old) 300K invested on 10th 55 60 65

₱385,000 ₱28,000,000 ₱46,000,000 ₱75,000,000

60k/yr for 10yrs = w/ ₱2 Million Life insurance w/ ADB, TDB & WPD

30k/yr for 10yrs = w/ ₱1 Million Life insurance w/ ADB, TDB & WPD

Investment Life Insurance

If we can RE-DEFINE, then can we have better UNDERSTANDING, to what others failed to REALIZE.

VALUE vs WORTH

★ the VUL, will be enforced on settlement, the Life insurance is guaranteed on day of settlement. that unlike the other scenario, that it needs 10yrs of investment to fulfil the probable funds.

★ Will you choose to sacrifice a little of your own, for others to have a bigger return in value?

★ How much of value do we give to the person that values us the same way?


120k per yr 10th year 10% per year Variable Universal Life

10% per year Mutual Funds

₱120,000 in 10 years

₱1,200,000 ₱1,500,000 FundValue

₱2,103,740

Life insuranceFund Valuereal worth

₱4 ,000,000 + ₱1,500,000 = ₱5,500,000

vs ₱603,740 = earned,

“difference against VUL”

House / condo med-size Car

YOU ME

30k per yr 10th year 10% per year Variable Universal Life

10% per year Mutual Funds

₱30,000 in 10 years

₱300,000 ₱385,000 FundValue

₱525,935

Life insuranceFund Valuereal worth

₱1,000,000 + ₱ 385,000 =

₱1,385,000

vs ₱140,935 = earned,

“difference against VUL”

Condo / SUV macbook pro /imac

Future Value Multiplier








Future Value of ₱ 1 Formula: FV = ₱ 1 (1+i)

n



5 million marathon

VISION: to be sun life’s most innovative league, home of passionate achievers of Macaulay, MDRT, and Leader’s Conference; leaders in refining financial education; fueled with Faith and united with one goal.

Annual Savings

Daily Savings 2% 4% 6% 8% 10%

₱10,000 ₱27 / day 121 yrs 78 yrs 59 yrs 48 yrs 41 yrs





TIME : Start as early as you can MONEY : Save as much as you can (REGULARLY) INTEREST : Find better than INFLATION interests

Key FACTORS in building your retirement FUND



Annual College Tuition FeesSCHOOL

(Metro Manila)2008** (Source)

2014 (Base Year)

2019 (in 5 years)

2024 (in 10 years)

2029 (in 15 years)

2034 (in 20 years)

University of Asia and the Pacific ₱124,800 ₱249,651 ₱444,902 ₱792,859 ₱1,412,954 ₱2,518,023

De La Salle University ₱110,448 ₱220,941 ₱393,738 ₱701,681 ₱1,250,464 ₱2,228,450

Ateneo de Manila University ₱90,613 ₱181,263 ₱323,028 ₱575,668 ₱1,025,897 ₱1,828,250

Assumption College ₱84,315 ₱168,664 ₱300,576 ₱535,657 ₱954,593 ₱1,701,179

Mapua Institute of Technology ₱84,000 ₱168,034 ₱299,453 ₱533,655 ₱951,027 ₱1,694,823

St. Scholastica's College ₱75,072 ₱150,174 ₱267,626 ₱476,935 ₱849,946 ₱1,514,688

San Beda College ₱64,152 ₱114,325 ₱203,739 ₱363,083 ₱647,049 ₱1,153,105

Miriam College ₱62,412 ₱111,224 ₱198,213 ₱353,235 ₱629,499 ₱1,121,829

Philippine Women's University ₱59,616 ₱106,242 ₱189,333 ₱337,410 ₱601,298 ₱1,071,573

Colegio de San Juan de Letran ₱50,440 ₱100,900 ₱179,815 ₱320,447 ₱571,069 ₱1,017,701

Far Eastern University ₱55,000 ₱98,015 ₱174,673 ₱311,285 ₱554,740 ₱988,602

University of the East ₱47,840 ₱95,699 ₱170,546 ₱303,929 ₱541,632 ₱965,242

University of Sto. Tomas ₱45,062 ₱90,142 ₱160,642 ₱286,281 ₱510,180 ₱909,192

St. Paul College (Quezon City) ₱44,256 ₱88,530 ₱157,769 ₱281,160 ₱501,055 ₱892,930

University of the Philippines ₱36,000 ₱72,015 ₱128,337 ₱228,709 ₱407,583 ₱726,353

**Rates were increased by 12.25~ annually based on CHED-published 2008 Annual Tuition Fees in Philippine Daily Inquirer.




8% Current Admu

Ateneo de manila University

₱ 181,263

₱ 228,339

₱ 211,425₱ 195,764

TOTAL ₱816,791

SY: 2014

FV = C (1+r)n




FV = C (1+r)n

8% Current Admu

Future Value Multiplier








Future Value of ₱ 1 Formula: FV = ₱ 1 (1+i)

n

OVER BUT NOT OVER TAX SHALL BE PLUS OF THE EXCESS OVER

P --- P 200,000 EXEMPT EXEMPT EXEMPT 200,000 500,000 --- 5% 200,000500,000 2,000,000 15,000 8% 500,0002,000,000 5,000,000 135,000 11% 2,000,0005,000,000 10,000,000 465,000 15% 5,000,00010,000,000 AND OVER 1,215,000 20% 10,000,000

Estate Tax Table

OVER BUT NOT OVER TAX SHALL BE PLUS OF THE EXCESS OVER

P --- P 100,000 EXEMPT % EXEMPT 100,000 200,000 --- 2% 100,000200,000 500,000 2,000 4% 200,000500,000 1,000,000 14,000 6% 500,0001,000,000 3,000,000 44,000 8% 1,000,0003,000,000 5,000,000 204,000 10% 3,000,0005,000,000 10,000,000 404,000 12% 5,000,00010,000,000 1,004,000 15% 10,000,000

Donors Tax Table


_VISION_ to be sun life’s most innovative league,

home of passionate achievers of Macaulay, MDRT, and Leader’s





proverbs 20:21 An inheritance quickly gained will not be blessed in the end



PSALM 90:12 teach us to number our days that we may gain a heart of wisdom.


Life Insurance is a money for someone someday, because

someone cared Today.


150 yrs, est. 1865

120 yrs.

est, 1895

Insurance Company Established Years of

Existence

1895 1201907 108

1910 105

1914-1919

1939

1939-1945

1946 69

1947 68

1954 61

1954 61

Insurance Company Established Years of

Existence

1962 53

1963 52

1979 36

1996 19

1999 16

SLF PSEi 2000 15

2011 4




and united with one goal. when we fail to PLAN, then we are planning to FAIL


to be sun life’s most innovative league, home of passionate

achievers of Macaulay, MDRT, and Leader’s Conference; leaders in

refining financial education; fueled with Faith and united with one goal.

0

10

20

30

40

2007 2008 2009 2010 2011 2012 2013 2014

5.13.4 3.5

7.3

9.9

15.59

18

15.4516.8

13.6

10.8 11.2

13.515.29

19.918.31

13.19.8 9.5 10.6

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20.5

29.7 30.7

3.5 3.1 3.1 3.94.9

7.48

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16.3

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8.39.98

12.27

18.2 18.34

AXA LifeManulifeSun Life FinancialPhilamLifePru Life UK

TOTAL Premiums in Billions

Year 2014


to be sun life’s most innovative league, home of passionate

achievers of Macaulay, MDRT, and Leader’s Conference; leaders in

refining financial education; fueled with Faith and united with one goal.

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Advantages of Sun Life

VISION: to be sun life’s most innovative league, home of passionate achievers of Macaulay, MDRT, and Leader’s Conference; leaders in refining

financial education; fueled with Faith and united with one goal.

MISSION: To develop innovative leaders & highly influential advisors

advocating financial freedom.

31 LIFE INSURANCE COMPANIES Listed in PSEi Pure Mutual Funds VUL

Mutual Funds Companies TAX if not Listed 5% CG &

10% excess of 100k

with Asset Management

Company

Protection + Investment +

Savings =

Variable Unit LinkPublicly Listed Companies Amongst top 10 performing companies


★ _1_(free) withdrawal every year (yearly). In excess of which is 1% charge. ★ _4_(free) fund switching every year (yearly). In excess of which is 1% charge. ★ Loyalty Bonus equivalent to 2% of the average monthly fund balance of the preceding 5 years. Crediting of Loyalty Bonus will start at the end of the 10th policy anniversary year and every 5 years thereafter (Not Guaranteed)

★Note: if the fund value is equivalent to zero (0), then the policy will be given 30 days Grace Period to accomplish the funds requested by the company. Failure to complete the funds required, will result to a lapse policy, voiding the life insurance in-forced. However, a reinstatement is still possible at a premium, the amount is to be computed by the company on the time of writing / request.

★Note: On VUL Regular investment, the premium invested will initially be allocated for the life insurance premium, once fully paid, then, it will be invested as excess premium.

★Note: Valuation is Mark to Market and _not_ Compounded Interest.

VISION: to be sun life’s most innovative league, home of

passionate achievers of Macaulay, MDRT, and Leader’s Conference;

leaders in refining financial education; fueled with Faith and

united with one goal.

MISSION: To develop innovative leaders & highly

influential advisors, advocating financial freedom.

Variable Universal Life

the of SUNSTONE_A_R_T_Investment INVESTED

Option A FRONT - END LOAD

(Peso funds)

Minimum Initial investment of ₱ 5,000

Minimum Subsequent investment of ₱ 1,000

Option B back - END LOAD

(Peso & dollar funds)

INVESTMENT Sales Load Rate (plus 12% VAT)

< ₱100,000 2.00% (2.24%)

₱100,000 < ₱1.0M 1.50% (1.68%)

₱1.0M < 5.0M 1.00% (1.120%)

₱5.0M < ₱20M 0.50% (0.56%)

Redemption Period

Subscription of less than ₱ 5.0M or less

than $100k

1st year 5% (5.6%)

2nd year 4% (4.48%)

3rd year 3% (3.36%)

4th year 2% (2.24%)

5th year 1% (1.12%)

6th year NONEInitial Charges are deducted upon investment, from which charges varies from the invested amount & no charges on withdrawal.

5M Mutual Funds Privileges 10% waived back-end redemption

★ a once a year privilege. ★ only applicable to clients with ₱5M worth of BE investments at the time of redemption. ★client may redeem up to 10% of

total shares as of December 31 of previous year. ★ Not automatic, must be

applied and indicated in order ticket, and subject to approval.

Account Options:

1. Individual 2. Joint 3. in-Trust for

Account 4. corporation 5. cooperative

NO Initial Charges are deducted upon investment & an equivalent amount of percentage is

deducted depending on the redemption period.

Mutual Funds: SLAMC

MISSION: To develop innovative leaders & highly influential advisors, advocating financial freedom.

_VISION_ to be sun life’s most innovative league, home of passionate achievers of Macaulay, MDRT, and Leader’s Conference; leaders in refining

financial education; fueled with Faith and united with one goal.

the of SUNSTONE_A_R_T_Investment

SCENARIO 1GUARANTEED VARIABLE

DATE Principal Amt

Current Value Principal Amt

NAVPU UNITS Fund Value

Jan.10’05 100,000.00 100,000.00 100,000.00 1.01 99,453.01 100,000.00

Jan.10’06 110,000.00 1.12 111,476.88

Jan.10’07 121,000.00 1.62 161,561.41

Jan.10’08 133,100.00 1.84 183,112.88

SCENARIO 2GUARANTEED VARIABLE

DATE Principal Amt

Current Value Principal Amt

NAVPU UNITS Fund Value

Jan.10’05 100,000.00 100,000.00 100,000.00 1.01 99,453.01 100,000.00

Jan.10’06 110,000.00 1.12 111,476.88

Jan.10’07 121,000.00 1.62 161,561.41

Jan.10’08 133,100.00 1.84 148,203.30

BULL

BEAR

₱100

,000

.00

₱122

,500

.00

₱145

,000

.00

₱167

,500

.00

₱190

,000

.00

Jan.10'06

Jan.10'07

Jan.10'08

Jul.16,08

₱111,476

₱161,561

₱183,112

₱148,203

₱110,000

₱121,000

₱133,100

Life Insurance


Mark to Market



Mark to Market FUND SWITCHING ILLUSTRATION

GUARANTEED VARIABLE

DATE Principal Amt Current Value Principal

Amt NAVPU UNITS Fund Value

Jan.10’05 100,000.00 100,000.00 100,000.00 1.01 99,453.01 100,000.00

Jan.10’06 110,000.00 1.12 111,476.88

Jan.10’07 121,000.00 1.62 161,561.41

Jan.10’08 133,100.00 1.84 183,112.88

JUL.16’08 133,100.00 1.84 148,203.30

MONEY MARKET

Jan.10’08 183,112.88 1.01 180,762.96 183,112.88

Jan.17’08 1.01 183,203.26

BALANCED FUND

Jan.17’08 183,206.26 1.78 102,767.3 183,203.26

JUL.16’08 1.49 153,431.57

BULL

BEAR

₱100

,000

.00

₱122

,500

.00

₱145

,000

.00

₱167

,500

.00

₱190

,000

.00

Jan.10'06

Jan.10'07

Jan.10'08

Jul.16,08

₱

₱

₱

₱

₱111,476

₱161,561

₱183,112

₱148,203

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