PLANNING FOR EDUCATION

TUITION FEE PROJECTIONS*

SCHOOL YEAR

2005SCHOOL YEAR

2010SCHOOL YEAR

2015SCHOOL YEAR

2020SCHOOL YEAR

2021

UST 63,400 127,520 256,488 515,889 593,272

MIRIAM 70,000 140,794 283,188 569,591 655,030

ASSUMPTION 110,000 221,248 445,007 895,0681,029,3

28

SAN BEDA 80,000 160,908 323,643 650,961 748,605

DLSU 141,000 283,603 570,4261,147,3

301,319,4

30

ADMU 130,000 261,477 525,9231,057,8

181,216,4

91

SCHOOL

TUITION FEE

Secrets to a better future

Lesson 1: Start investing early

Lesson 2: Start investing regularly

Lesson 3: Compounding has tremendous

effect.Remember:

“There are no Guarantees in Life. We make our own

choices.”3 Reasons Why People Are POOR:

…BECAUSE THEY DON’T WANT TO BE RICH…BECAUSE THEY ARE FINANCIALLY IGNORANT…BECAUSE THEY DON’T RIDE THE VEHICLES TO WEALTH

CASH FLOW PATTERN OF POOR & MIDDLE

INCOME: CONTINUOUS RAT RACE

Fear of being without money motivates us to work hard. Once we get the paycheck, greed or desire starts us thinking about all the wonderful things money can buy.

Get up to go to work, pay bills, work, pay bills. More money more spending. Lives are run forever by two emotions - fear and greed.

CASH FLOW PATTERN OF THE RICH

GOLDEN RULE:

BUY ASSETS!

VEHICLES TO WEALTH

MUTUAL FUNDS1. BOND FUND – invests in

government and high-quality debt instruments

2. BALANCED FUND - invests in diversified portfolio of bonds and equities

3. EQUITY FUND – invests in high-quality listed stocks

Here’s a scenario for you to consider…

WHAT IF…

SAMPLE COMPUTATION…

Investing for the Future

P10.0 million: desired amount at retirement age 60.

How much money will you have to save yearly if you start saving at age 30?

Net long term net yield is 9% net of tax (equivalent to 11.25% gross of tax).

Annual Contribution 61,336 Interest Rate 9.0%

Age Begin Contr Interest Ending

30 - 61,336 5,520 66,856 31 66,856 61,336 11,537 139,729 32 139,729 61,336 18,096 219,161 33 219,161 61,336 25,245 305,741 34 305,741 61,336 33,037 400,114 35 400,114 61,336 41,530 502,980 36 502,980 61,336 50,788 615,104 37 615,104 61,336 60,880 737,320 38 737,320 61,336 71,879 870,534 39 870,534 61,336 83,868 1,015,738 40 1,015,738 61,336 96,937 1,174,011 41 1,174,011 61,336 111,181 1,346,528 42 1,346,528 61,336 126,708 1,534,571 43 1,534,571 61,336 143,632 1,739,539 44 1,739,539 61,336 162,079 1,962,953 45 1,962,953 61,336 182,186 2,206,475 46 2,206,475 61,336 204,103 2,471,914 47 2,471,914 61,336 227,992 2,761,242 48 2,761,242 61,336 254,032 3,076,610 49 3,076,610 61,336 282,415 3,420,361 50 3,420,361 61,336 313,353 3,795,049 51 3,795,049 61,336 347,075 4,203,460 52 4,203,460 61,336 383,832 4,648,627 53 4,648,627 61,336 423,897 5,133,859 54 5,133,859 61,336 467,568 5,662,763 55 5,662,763 61,336 515,169 6,239,267 56 6,239,267 61,336 567,054 6,867,657 57 6,867,657 61,336 623,609 7,552,603 58 7,552,603 61,336 685,254 8,299,193 59 8,299,193 61,336 752,448 9,112,976 60 9,112,976 61,336 825,688 10,000,000

TOTAL CONTRIBUTION 1,901,409

AGE 30

Investing for the Future: All of these age brackets got 10Million on

their retirement at age 60, what’s the difference?

Lesson 1: Start investing early

Lesson 2: Start investing regularly

Lesson 3: Compounding has tremendous

effect.

AGE ANNUAL CONTRIBUTION TOTAL CONTRIBUTION

30 Php 61,336 Php 1,901,409

40 Php 161,621 Php 3,394,031

50 Php 522,446 Php 5,746,910

SUMMARY:

“THE POOR AND MIDDLE CLASS WORK FOR THE

MONEY.…THE RICH HAVE

MONEY WORK FOR THEM.”

Ergo…

ULTIMATELY, IT’S NOT HOW MUCH MONEY YOU MAKE THAT MATTERS, BUT HOW MUCH MONEY YOU KEEP AND HOW LONG THAT MONEY WORKS FOR YOU.“

”

THANK YOU!

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