cad synergy's how money works for you
TRANSCRIPT
Phases of LifeDay 1 to 25 Years OldGrowing
Stage- No worries- Fully supported by parents
26 Years to 55 Years Old
AGed 56 and Above
Working Stage
Retirement Stage- Working long hours
- Worries about your parents- Paying for Mortgages,- Children’s Education- Installments- Food- Clothing- Bills- Loans- Facing Inflation
- Old Age - Jobless- Still facing Inflation- UnavoidableMedical expense- Worry about support from children
Be Prepared !
There are 3 stages in Life;1.Growing Stage2.Working Stage3.Retirement Stage
Phases of LifeDay 1 to 25 Years OldGrowing
Stage
26 Years to 55 Years Old
AGed 56 and Above
Working Stage
Retirement Stage- Working long hours
- Worries about your parents- Paying for Mortgages,- Children’s Education- Installments- Food- Clothing- Bills- Loans- Facing Inflation
- Old Age - Jobless- Still facing Inflation- UnavoidableMedical expense- Worry about support from children
Be Prepared !
- No worries- Fully supported by parents
Phases of LifeDay 1 to 25 Years OldGrowing
Stage
26 Years to 55 Years Old
AGed 56 and Above
Working Stage
Retirement Stage
- Working long hours- Worries about your parents- Paying for Mortgages,- Children’s Education- Installments- Food- Clothing- Bills- Loans- Facing Inflation
- No worries- Fully supported by parents
Phases of LifeDay 1 to 25 Years OldGrowing
Stage- No worries- Fully supported by parents
26 Years to 55 Years Old
AGed 56 and Above
Working Stage
Retirement Stage- Working long hours
- Worries about your parents- Paying for Mortgages,- Children’s Education- Installments- Food- Clothing- Bills- Loans- Facing Inflation
- Old Age - Jobless- Still facing Inflation- UnavoidableMedical expense- Worry about support from children
Fundamentals of Financial PlanningThere are 2 Lifeline
inFinancial Planning
Fundamentals of Financial Planning
Money Line
Law of B
uilding W
ealth
Money Line or Law of Building Wealth.
Fundamentals of Financial Planning
Money Line
Law of Decreasing Responsibility
Responsibility Line or Law of
Decreasing Responsibility
Responsibility Line
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old
Normally, at the age of 30 ay
stable na yung JOB natin.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old
And we retire at
the age of 60.
60yrs. old
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60yrs. old
30yrs.
So meron kang 30 na productive
years.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60yrs. old
30yrs.
YOU
SALARY
Right now ikaw yung
nagwo-work so may
tinatawag kang SALARY.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60yrs. old
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
Kung saan dito natin kinukuha lahat ng
NEEDS natin.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60yrs. old
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
Kaya lang merong 2 “IFs”
na nakaka apekto sa atin.
Ang una ay,
What IF we ;
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60yrs. old
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
At ang pangalawa ay;
WHAT IF we ;
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60yrs. old
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
Ngayon dito sa LIVE too long, ilang years ang
lifespan ng family nyo?
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
8020
Let say umaabot ng
80 yrs old ang lifespan ng family nyo. so, may 20 yrs. Ka pa.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
8020
So, saan mo kukunin
yung gagastusin mo for 20 years? Sa mga anak?
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
8020
Or, yung savings na naipon mo dapat alam
mo yung investment.
Big SAVINGS
Investment
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
8020
Yung kita ni Investment, yun ang
magpi- finance sa mga
pangangailangan mo pagdating ng
panahon para sa pagkain, at gamot pag nagkasakit ka.
Big SAVINGS
Investment
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon. LIVE too
long.
8020
Big SAVINGS
Investment
Yung DIE TO SOON,
problema din yan. So ano ang gagawin mo kung DIE TOO SOON?
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
LIVE too
long.
8020
Big SAVINGS
Investment
Protection
kailangan mo ng
protection… so,anong
protection yan?
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
LIVE too
long.
8020
Big SAVINGS
Investment
ProtectionAng kailangan mo ay SAVINGS… pag may nangyari sayo
ano iiwan mo sa pamilya mo? So importante ang
SAVINGS.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
LIVE too
long.
8020
Big SAVINGS
Investment
ProtectionAng kailangan mo ay SAVINGS… pag may nangyari sayo
ano iiwan mo sa pamilya mo? So importante ang
SAVINGS.
So, mahalaga
po ang SAVINGS at INVESTMEN
T.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
LIVE too
long.
8020
Big SAVINGS
Investment
Protection
Dito, you work hard for your money.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
LIVE too
long.
8020
Big SAVINGS
Investment
Protection
Dito naman, MONEY work for
you.
Fundamentals of Financial Planning
Money Line
Responsibility Line
30yrs. old 60
30yrs.
YOU
SALARY
- Foods- Shelter- Clothing- Bills- Loans
DIE too
soon.
LIVE too
long.
8020
Big SAVINGS
Investment
Protection
Since nabanggit ko yung
investment, sabihin ko sayo how money
works.
How MONEY works?
So…
Kung ikaw ay merong 100 pesos, kelan sya magiging 200 pesos?
So…How MONEY works?
Kung malalaman mo ito, you know How MONEY works.
So…How MONEY works?
Kung ilalagay mo sa banko ang 100 mo as savings deposit, meron kang 1% per annum. After 1 year meron kang 101 pesos.
So…How MONEY works?
1 % per annumSavings Deposit
So, not a Good Plan kasi matagal..
So…How MONEY works?
1 % per annumSavings Deposit
What if 4% naman per annum, nilagay mo yung pera mo sa TIME Deposit.
So…How MONEY works?
1 % per annumSavings Deposit
4 % per annum
Time Deposit
Para hindi ka mahirapan, gamitin natin ang RULE of 72. eto yung FORMULA na ginagamit ng mayayaman kaya sila lalong yumayaman.
So…How MONEY works?
1 % per annumSavings Deposit
4 % per annum
Time Deposit
72 divided by return interest equals double your money. ( 72/R=2x )
So…How MONEY works?
1 % per annumSavings Deposit
72 ÷ R =Double your
money
So…How MONEY works?
1 % per annumSavings Deposit
72 ÷ 4%
=18 yrs.
So, para ma doble ang 100 mo, need mo ng 18 years kung sa 4% interest per annum.
So…How MONEY works?
1 % per annumSavings Deposit 72 ÷ 4%
=18 yrs.
Eh, paano kung 8% interest per annum? So, meron kang …
72 ÷ 8%
=9 yrs.
So…How MONEY works?
1 % per annumSavings Deposit
72 ÷ 4% =18 yrs.
sa 12% naman meron kang 6 years.
72 ÷ 8% = 9 yrs.
72 ÷ 12% = 6 yrs.
So…How MONEY works?
1 % per annumSavings Deposit
72 ÷ 4% =18 yrs.
So, kung mapapansin mo, habang lumalaki ang interest, lumiliit yung TIME para ma doble ang pera mo.
72 ÷ 8% = 9 yrs.
72 ÷ 12% = 6 yrs.
So…How MONEY works?
72 ÷ 4% =18 yrs.
Let say 30yrs. old ka at may 100,000 ka.
- Php100,00030
So…How MONEY works?
72 ÷ 4% =18 yrs.
Add ka ng 18 yrs. Para maging 200,000 ang pera mo.
- Php100,00030
48 - Php200,000
So…How MONEY works?
72 ÷ 4%
=18 yrs.
Add ka uli ng 18 yrs. Para maging 400,000 ang pera mo. Pero 66 na ang age mo.
- Php100,00030
48 - Php200,000
66 - Php400,000
Age
So…How MONEY works?
72 ÷ 4%
=18 yrs.
Eh yung 8%, Alam mo ba kung magkano ang magiging pera
mo @ the age of 66?
- Php100,00030
48 - Php200,000
66 - Php400,000
Age72 ÷ 8%
= 9 yrs.
66 - Php ___________
So…How MONEY works?
72 ÷ 4%
=18 yrs.
Eh ang 12%, Alam mo ba kung magkano ang magiging pera
mo @ the age of 66?
- Php100,00030
48 - Php200,000
66 - Php400,000
Age72 ÷ 8%
= 9 yrs.
66
72 ÷ 12%
= 6 yrs.
66
So…How MONEY works?
72 ÷ 4%
=18 yrs.
Sa 8%, ang total na pera mo ay 1.6 million
- Php100,00030
48 - Php200,000
66 - Php400,000
Age
72 ÷ 8%
= 9 yrs.
66
72 ÷ 12%
= 6 yrs.
66
1.6million
So…How MONEY works?
72 ÷ 4%
=18 yrs.
At sa 12% naman,
ang total na pera mo ay
6.4 million
- Php100,00030
48 - Php200,000
66 - Php400,000
Age
72 ÷ 8%
= 9 yrs.
66
72 ÷ 12%
= 6 yrs.
66
1.6million 6.4million
So…How MONEY works?72 ÷ 4%
=18 yrs.72 ÷ 8%
= 9 yrs.
66
72 ÷ 12%
= 6 yrs.
66
1.6million 6.4million
Time Deposit
66
400,000
Paano nangyari yan eh samantalang pareho lang
naman nilabas kong pera..
100,000 100,000 100,000
30 100,000
48 200,000
66 400,000
30 100,000
39 200,000
48 400,000
57 800,000
66 1,600,000
30 100,000
36 200,000
42 400,000
48 800,000
54 1,600,000
60 3,200,000
66 6,400,000
AGE 4%Money doubles every
18yrs.
AGE 8%Money doubles every 9
yrs.
AGE 12%Money doubles every 12yrs.
RULE OF 72
Eto po yung computation bakit magkakaiba ng pera mo @ the
age of 66.
30 100,000
48 200,000
66 400,000
30 100,000
39 200,000
48 400,000
57 800,000
66 1,600,000
30 100,000
36 200,000
42 400,000
48 800,000
54 1,600,000
60 3,200,000
66 6,400,000
AGE 4%Money doubles every
18yrs.
AGE 8%Money doubles every 9
yrs.
AGE 12%Money doubles every 12yrs.
RULE OF 72
Its time for you to save na… so, gusto mo na bang mag save
sa 8% at 12%?
The difference of investing NOW & Investing later, is mas malaki yung perang naipon ni NOW
compare kay LATER.(5yrs lang ahead ni NOW nung nag Invest
sya.)
@ Age 66 =
6,184,433.09@ Age 66 =
3,470,309.00
So, what is your GOAL in LIFE?
How much do you want to earn once you RETIRE?
GOAL SETTING na tayo…
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check Points
30 60
Let say you want an early retirement @ the age of 50 and you want
30,000 monthly living expenses.
50
GOAL
3.6million
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 60
So, 30,000 x 12 = 360,000Lets prepare 10years so times 10 is
3,600,000
50
3.6million
50 3,600,000
44 1,800,000
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 60
Plot natin dito yung age 50 at yung goal mo na 3.6million. Now apply natin yung rule of 72. so 50 less
6years is 44. then magiging 1,800,000.
50
Age Amount
3.6million
50 3,600,000
44 1,800,000
38 900,000
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 60
Then 44 less 6yrs. Is 38… then half of 1,800,000 is 900,000.
50
Age Amount
3.6million
50 3,600,000
44 1,800,000
38 90,000
32 450,000
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 60
Again, 38 less 6 yrs. Is 32..and half of
900,000 is 450,000.
50
Age Amount
3.6million
50 3,600,000
44 1,800,000
38 900,000
32 450,000
30 Your Age
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 60
Since 30 yung age mo, sa 38 tayo magset para mahaba yung leadtime mo.
50
Age Amount
3.600,000
50 3,600,000
44 1,800,000
38 900,000
32 450,000
30 Your Age
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 6050
Age Amount
38
8
900,000
So 8 years yung leadtime mo para
makaipon ng 900,000.
3.600,000
50 3,600,000
44 1,800,000
38 900,000
32 450,000
30 Your Age
I must save to reach my goal
I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 6050
Age Amount
38
8
900,000
So, 8 years x 12 = 96 months…
then, 900,000 divided by 96 is
9,375.
3.600,000
50 3,600,000
44 1,800,000
38 900,000
32 450,000
30 Your Age
I must save to reach my goal 9,375I can afford to save at present
Balance
Monthly
Check PointsGOAL
30 6050
Age Amount
38
8
900,000So, ang dapat na monthly
savings mo ay 9,375. ang tanong magkano ang kaya mong I save
sa isang buwan?
3.600,000
50 3,600,000
44 1,800,000
38 900,000
32 450,000
30 Your Age
I must save to reach my goal 9,375I can afford to save at present 2,000
Balance 7,375
Monthly
Check PointsGOAL
30 6050
Age Amount
38
8
900,000 Let say 2,000 lang ang kay mong savings per month. So, may kulang ka pa na 7,375.. Saan
mo po kukunin ang 7,375?
GOAL SETTING naman tayo sa target mong
7,375/month …Tara, usap tayo..
Jolan - 09294772168