Cad Synergy's HOW MONEY WORKS FOR YOU

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

AGed 56 and Above

Working Stage

Be Prepared !

- No worries- Fully supported by parents

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

Stage- No worries- Fully supported by parents

AGed 56 and Above

Working Stage

Fundamentals of Financial PlanningThere are 2 Lifeline

inFinancial Planning

Fundamentals of Financial Planning

Money Line

Law of B

uilding W

Money Line or Law of Building Wealth.

Money Line

Law of Decreasing Responsibility

Responsibility Line or Law of

Decreasing Responsibility

Responsibility Line

Money Line

Responsibility Line

30yrs. old

Normally, at the age of 30 ay

stable na yung JOB natin.

Money Line

Responsibility Line

30yrs. old

And we retire at

the age of 60.

60yrs. old

Money Line

Responsibility Line

30yrs. old 60yrs. old

30yrs.

So meron kang 30 na productive

years.

Money Line

Responsibility Line

30yrs.

SALARY

Right now ikaw yung

nagwo-work so may

tinatawag kang SALARY.

Money Line

Responsibility Line

30yrs.

SALARY

- Foods- Shelter- Clothing- Bills- Loans

Kung saan dito natin kinukuha lahat ng

NEEDS natin.

Money Line

Responsibility Line

30yrs.

SALARY

DIE too

Kaya lang merong 2 “IFs”

na nakaka apekto sa atin.

Ang una ay,

What IF we ;

Money Line

Responsibility Line

30yrs.

SALARY

DIE too

soon. LIVE too

At ang pangalawa ay;

WHAT IF we ;

Money Line

Responsibility Line

30yrs.

SALARY

DIE too

soon. LIVE too

Ngayon dito sa LIVE too long, ilang years ang

lifespan ng family nyo?

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

soon. LIVE too

Let say umaabot ng

80 yrs old ang lifespan ng family nyo. so, may 20 yrs. Ka pa.

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

soon. LIVE too

So, saan mo kukunin

yung gagastusin mo for 20 years? Sa mga anak?

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

soon. LIVE too

Or, yung savings na naipon mo dapat alam

mo yung investment.

Big SAVINGS

Investment

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

soon. LIVE too

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

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

soon. LIVE too

Big SAVINGS

Investment

Yung DIE TO SOON,

problema din yan. So ano ang gagawin mo kung DIE TOO SOON?

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

LIVE too

Big SAVINGS

Investment

Protection

kailangan mo ng

protection… so,anong

protection yan?

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

LIVE too

Big SAVINGS

Investment

ProtectionAng kailangan mo ay SAVINGS… pag may nangyari sayo

ano iiwan mo sa pamilya mo? So importante ang

SAVINGS.

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

LIVE too

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

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

LIVE too

Big SAVINGS

Investment

Protection

Dito, you work hard for your money.

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

LIVE too

Big SAVINGS

Investment

Protection

Dito naman, MONEY work for

Money Line

Responsibility Line

30yrs. old 60

30yrs.

SALARY

DIE too

LIVE too

Big SAVINGS

Investment

Protection

Since nabanggit ko yung

investment, sabihin ko sayo how money

works.

How MONEY works?

Kung ikaw ay merong 100 pesos, kelan sya magiging 200 pesos?

So…How MONEY works?

Kung malalaman mo ito, you know 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.

1 % per annumSavings Deposit

So, not a Good Plan kasi matagal..

What if 4% naman per annum, nilagay mo yung pera mo sa TIME 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.

4 % per annum

Time Deposit

72 divided by return interest equals double your money. ( 72/R=2x )

72 ÷ R =Double your

72 ÷ 4%

=18 yrs.

So, para ma doble ang 100 mo, need mo ng 18 years kung sa 4% interest per annum.

1 % per annumSavings Deposit 72 ÷ 4%

=18 yrs.

Eh, paano kung 8% interest per annum? So, meron kang …

72 ÷ 8%

=9 yrs.

72 ÷ 4% =18 yrs.

sa 12% naman meron kang 6 years.

72 ÷ 8% = 9 yrs.

72 ÷ 12% = 6 yrs.

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.

72 ÷ 4% =18 yrs.

Let say 30yrs. old ka at may 100,000 ka.

- Php100,00030

72 ÷ 4% =18 yrs.

Add ka ng 18 yrs. Para maging 200,000 ang pera mo.

- Php100,00030

48 - Php200,000

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

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 ___________

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.

72 ÷ 12%

= 6 yrs.

72 ÷ 4%

=18 yrs.

Sa 8%, ang total na pera mo ay 1.6 million

- Php100,00030

48 - Php200,000

66 - Php400,000

72 ÷ 8%

= 9 yrs.

72 ÷ 12%

= 6 yrs.

1.6million

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

72 ÷ 8%

= 9 yrs.

72 ÷ 12%

= 6 yrs.

1.6million 6.4million

So…How MONEY works?72 ÷ 4%

=18 yrs.72 ÷ 8%

= 9 yrs.

72 ÷ 12%

= 6 yrs.

1.6million 6.4million

Time Deposit

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

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

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

@ 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

Let say you want an early retirement @ the age of 50 and you want

30,000 monthly living expenses.

3.6million

Balance

Monthly

Check PointsGOAL

So, 30,000 x 12 = 360,000Lets prepare 10years so times 10 is

3,600,000

3.6million

50 3,600,000

44 1,800,000

Balance

Monthly

Check PointsGOAL

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.

Age Amount

3.6million

50 3,600,000

44 1,800,000

38 900,000

Balance

Monthly

Check PointsGOAL

Then 44 less 6yrs. Is 38… then half of 1,800,000 is 900,000.

Age Amount

3.6million

50 3,600,000

44 1,800,000

38 90,000

32 450,000

Balance

Monthly

Check PointsGOAL

Again, 38 less 6 yrs. Is 32..and half of

900,000 is 450,000.

Age Amount

3.6million

50 3,600,000

44 1,800,000

38 900,000

32 450,000

30 Your Age

Balance

Monthly

Check PointsGOAL

Since 30 yung age mo, sa 38 tayo magset para mahaba yung leadtime mo.

Age Amount

3.600,000

50 3,600,000

44 1,800,000

38 900,000

32 450,000

30 Your Age

Balance

Monthly

Check PointsGOAL

30 6050

Age Amount

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

Balance

Monthly

Check PointsGOAL

30 6050

Age Amount

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

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

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

Cad Synergy's HOW MONEY WORKS FOR YOU

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