1. Phases of Life
Day 1 to 25 26 Years to 55 AGed 56 and
Years Old Years Old Above
Growing Stage Working Stage Retirement Stage
- No worries - Working long hours - Old Age
- Fully supported - Worries about your - Jobless
by parents parents - Still facing
- Paying for Mortgages, Inflation
- Children’s Education - Unavoidable
- Installments Medical expense
- Food - Worry about
There are 3 stages in Life;
- Clothing support from
1. GrowingBills
- Stage children
- Loans
2. WorkingFacing Inflation
- Stage
3. Retirement Stage
Be Prepared

2. Phases of Life
Day 1 to 25 26 Years to 55 AGed 56 and
Years Old Years Old Above
Growing Stage Working Stage Retirement Stage
- Working long hours - Old Age
- Worries about your - Jobless
parents - Still facing
- Paying for Mortgages, Inflation
- Children’s Education - Unavoidable
- Installments Medical expense
- Food - Worry about
- Clothing support from
- No worries - Bills children
- Fully supported
- Loans
- Facing Inflation
by parents
Be Prepared

3. Phases of Life
Day 1 to 25 26 Years to 55 AGed 56 and
Years Old Years Old Above
Growing Stage Working Stage Retirement Stage
- No worries
- Fully supported
by parents - Working long hours
- Worries about your
parents
- Paying for Mortgages,
- Children’s Education
- Installments
- Food
- Clothing
- Bills
- Loans
- Facing Inflation

4. Phases of Life
Day 1 to 25 26 Years to 55 AGed 56 and
Years Old Years Old Above
Growing Stage Working Stage Retirement Stage
- No worries - Working long hours
- Fully supported - Worries about your
by parents parents - Old Age
- Paying for Mortgages,
- Children’s Education
- Jobless
- Installments - Still facing
- Food Inflation
- Clothing
- Unavoidable
- Bills
- Loans Medical expense
- Facing Inflation - Worry about
support from
children

5. Fundamentals of
Financial
Planning
There are 2 Lifeline in
Financial Planning

6. Fundamentals of Financial Planning
Money Line or
Law of Building
Wealth.
Money
Line

7. Fundamentals of Financial Planning
Responsibility
Line
Responsibility
Line or Law of
Decreasing
Responsibility
Money
Line

8. Fundamentals of Financial Planning
Responsibility
Line
Normally, at the age
of 30 ay stable na
yung JOB natin.
Money
Line
30yrs. old

9. Fundamentals of Financial Planning
Responsibility
Line
And we retire
at the age of
60.
Money
Line
30yrs. old 60yrs. old

10. Fundamentals of Financial Planning
Responsibility
Line
So meron kang
30 na productive
years.
30yrs.
Money
Line
30yrs. old 60yrs. old

11. Fundamentals of Financial Planning
Responsibility
Line
YOU
Right now ikaw
yung nagwo-
SALARY
work so may
tinatawag kang
SALARY.
30yrs.
Money
Line
30yrs. old 60yrs. old

12. Fundamentals of Financial Planning
Responsibility
Line Kung saan dito
natin kinukuha
YOU lahat ng NEEDS
natin.
SALARY
- Foods
- Shelter
- Clothing
- Bills
- Loans
30yrs.
Money
Line
30yrs. old 60yrs. old

13. Fundamentals of Financial Planning
Responsibility
Line
YOU
Kaya lang merong
2 “IFs” na nakaka
apekto sa atin. Ang
una ay, What IF we
SALARY
- Foods DIE ;
too
- Shelter
- Clothing
- Bills
- Loans
soon.
30yrs.
Money
Line
30yrs. old 60yrs. old

14. Fundamentals of Financial Planning
Responsibility
Line
YOU
At ang pangalawa
ay; WHAT IF we
SALARY
- Foods DIE ;
too
- Shelter
- Clothing
- Bills
soon. LIVE
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60yrs. old

15. Fundamentals of Financial Planning
Responsibility
Line Ngayon dito sa
YOU LIVE too
long, ilang years
ang lifespan ng
SALARY family nyo?
- Foods DIE
too
- Shelter
- Clothing
- Bills
soon. LIVE
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60yrs. old

16. Fundamentals of Financial Planning
Responsibility
Line
YOU
SALARY
- Foods DIE
Let say umaabot
too
- Shelter
- Clothing ng 80 yrs old ang
- Bills
soon. lifespan ng family LIVE
- Loans
nyo. so, may 20 too
yrs. Ka pa. long.
30yrs.
Money
Line
30yrs. old 60 80
20

17. Fundamentals of Financial Planning
Responsibility
Line
YOU
So, saan mo
SALARY
kukunin yung
gagastusin mo
- Foods DIE
for 20 years?
too
- Shelter
- Clothing Sa mga anak?
- Bills
soon. LIVE
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

18. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
Investment
SALARY
- Foods DIE
- Shelter
- Clothing too Or, yung savings
na naipon mo LIVE
- Bills
- Loans
soon. dapat alam mo
too
yung investment.
long.
30yrs.
Money
Line
30yrs. old 60 80
20

19. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
Investment
SALARY
- Foods DIE
Yung kita ni Investment,
yun ang magpi- finance sa
too
- Shelter
- Clothing mga pangangailangan mo
- Bills
soon. ng panahon
pagdating LIVE
- Loans para sa pagkain, at gamot
pag nagkasakit ka.
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

20. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
Yung DIE TO SOON,
problema din yan.
Investment
SALARY
So ano ang
- Foods DIE gagawin mo kung
too
- Shelter
- Clothing DIE TOO SOON?
- Bills
soon. LIVE
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

21. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
DIE
too kailangan mo ngInvestment
SALARY
soon. protection…
- Foods so,anong
- Shelter Protection protection yan?
- Clothing
- Bills LIVE
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

22. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
DIE
too Investment
SALARY
soon.
- Foods
- Shelter Protection
- Clothing Ang kailangan mo ay
- Bills SAVINGS… pag may LIVE
- Loans nangyari sayo ano iiwan
mo sa pamilya mo? So too
importante ang SAVINGS. long.
30yrs.
Money
Line
30yrs. old 60 80
20

23. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
DIE
too Investment
SALARY
soon.
- Foods
- Shelter Protection
- Clothing So,kailangan mo ay
Ang mahalaga
- Bills SAVINGS… pag may LIVE
- Loans po ang
nangyari sayo ano iiwan
too
SAVINGS at
mo sa pamilya mo? So
importante ang SAVINGS. long.
INVESTMENT.
30yrs.
Money
Line
30yrs. old 60 80
20

24. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
DIE
too Investment
SALARY
soon. Dito, you
- Foods
- Shelter Protectionwork hard
for your
- Clothing
- Bills LIVE
money.
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

25. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
DIE
too Investment
SALARY
soon.
- Foods Dito naman,
MONEY work
- Shelter Protection
- Clothing
LIVE
for you.
- Bills
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

26. Fundamentals of Financial Planning
Responsibility
Line
Big
YOU SAVINGS
DIE
too nabanggit ko
Since Investment
SALARY
soon. yung
- Foods investment, sabihin
- Shelter Protection
- Clothing ko sayo how
- Bills money works. LIVE
- Loans
too
long.
30yrs.
Money
Line
30yrs. old 60 80
20

27. So…
How MONEY
works?

28. So…How MONEY works?
Kung ikaw ay merong
100 pesos, kelan sya
magiging 200 pesos?

29. So…How MONEY works?
Kung malalaman mo ito,
you know How
MONEY works.

30. So…How MONEY works?
Kung ilalagay mo sa banko
ang 100 mo as savings
1 % per annum deposit, meron kang 1%
Savings Deposit per annum. After 1 year
meron kang 101 pesos.

31. So…How MONEY works?
So, not a Good Plan
kasi matagal..
1 % per annum
Savings Deposit

32. So…How MONEY works?
4 % per
annum
Time Deposit
1 % per annum
Savings Deposit What if 4% naman
per annum,
nilagay mo yung
pera mo sa TIME
Deposit.

33. So…How MONEY works?
Para hindi ka mahirapan,
gamitin natin ang
RULE of 72. eto
4 % per
yung FORMULA na
annum ginagamit ng
1 % per annum Time Deposit mayayaman kaya sila
Savings Deposit lalong yumayaman.

34. So…How MONEY works?
Double
72 ÷ R = your
money
1 % per annum
Savings Deposit 72 divided by return
interest equals
double your money.
( 72/R=2x )

35. So…How MONEY works?
So, para ma doble ang
100 mo, need mo
ng 18 years kung
sa 4% interest per
annum.
1 % per annum
Savings Deposit
72÷ 4%
=18 yrs.

36. So…How MONEY works?
Eh, paano kung 8%
interest per
annum? So,
meron kang …
1 % per annum
Savings Deposit 72÷ 4% 72÷ 8%
=18 yrs. =9 yrs.

37. So…How MONEY works?
sa 12% naman
meron kang
6 years.
1 % per annum
Savings Deposit
72 ÷ 4% =18 yrs.
72 ÷ 8% = 9 yrs.
72 ÷ 12% = 6 yrs.

38. So…How MONEY works?
So, kung mapapansin mo,
habang lumalaki ang
interest, lumiliit yung
TIME para ma doble
ang pera mo.
1 % per annum
Savings Deposit
72 ÷ 4% =18 yrs.
72 ÷ 8% = 9 yrs.
72 ÷ 12% = 6 yrs.

39. So…How MONEY works?
72 ÷ 4% =18 yrs.
30 - Php100,000
Let say 30yrs. old
ka at may
100,000 ka.

40. So…How MONEY works?
Add ka ng 18 yrs.
72 ÷ 4% =18 yrs. Para maging
200,000 ang
pera mo.
30 - Php100,000
48 - Php200,000

41. So…How MONEY works?
Add ka uli ng 18 yrs.
72÷ 4% Para maging
400,000 ang pera
=18 yrs.
mo. Pero 66 na
ang age mo.
Age
30 - Php100,000
48 - Php200,000
66 - Php400,000

42. So…How MONEY works?
Eh yung 8%, Alam mo ba
÷ 4%
72 kung magkano ang
=18 yrs. magiging pera mo @ the
age of 66?
Age
30 - Php100,000 72 ÷ 8%
= 9 yrs.
48 - Php200,000
66 - Php400,000
66 - Php
___________

43. So…How MONEY works?
Eh ang 12%, Alam mo ba
÷ 4%
72 kung magkano ang
magiging pera mo @ the
=18 yrs.
age of 66?
Age
30 - Php100,000 ÷ 8%
72 72÷ 12%
= 9 yrs. = 6 yrs.
48 - Php200,000
66 - Php400,000
66 66

44. So…How MONEY works?
72÷ 8% 72 ÷ 12%
÷ 4%
72
= 9 yrs. = 6 yrs.
=18 yrs.
Age
66 66
30 - Php100,000
48 - Php200,000 1.6million
66 - Php400,000
Sa 8%,ang total na
pera mo ay
1.6 million

45. So…How MONEY works?
÷ 8%
72 72÷ 12%
÷ 4%
72
= 9 yrs. = 6 yrs.
=18 yrs.
Age
66 66
30 - Php100,000
48 - Php200,000 1.6million 6.4million
66 - Php400,000
At sa 12% naman, ang
total na pera mo
ay
6.4 million

46. So…How MONEY works?
Time Deposit
72÷ 4% 72÷ 8% 72 ÷ 12%
=18 yrs. = 9 yrs. = 6 yrs.
100,000 100,000 100,000
66 66 66
400,000 1.6million 6.4million
Paano nangyari yan eh
samantalang pareho lang
naman nilabas kong pera..

47. RULE OF 72
AGE 4% AGE 8% AGE 12%
Money doubles every 18yrs. Money doubles every 9 yrs. Money doubles every 12yrs.
30 100,000 30 100,000 30 100,000
48 200,000 39 200,000 36 200,000
66 48 42 400,000
400,000 400,000
48 800,000
57 800,000
54 1,600,000
66 1,600,000
60 3,200,000
66 6,400,000
Eto po yung computation bakit
magkakaiba ng pera mo @ the age of
66.

48. Its time for you to save na… so,
gusto mo na bang mag save sa
8% at 12%?
RULE OF 72
AGE 4% AGE 8% AGE 12%
Money doubles every 18yrs. Money doubles every 9 yrs. Money doubles every 12yrs.
30 100,000 30 100,000 30 100,000
48 200,000 39 200,000 36 200,000
66 400,000 48 400,000 42 400,000
48 800,000
57 800,000
54 1,600,000
66 1,600,000
60 3,200,000
66 6,400,000

49. 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 = @ Age 66 =
6,184,433.09 3,470,309.00

50. So, what is your GOAL in LIFE?
How much do you want to
earn once you RETIRE?
GOAL
SETTING
na tayo…

51. GOAL Check Points
Let say you want an early retirement @
the age of 50 and you want 30,000
monthly living expenses.
Monthly
I must save to
reach my goal
I can afford to
save at present
30 50 60
Balance

52. GOAL Check Points
3.6million
So, 30,000 x 12 = 360,000
Lets prepare 10years so times 10 is
3,600,000 Monthly
I must save to
reach my goal
I can afford to
save at present
30 50 60
Balance

53. GOAL Check Points
Age Amount
50 3,600,000
3.6million 44 1,800,000
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.
Monthly
I must save to
reach my goal
I can afford to
save at present
30 50 60
Balance

54. GOAL Check Points
Age Amount
50 3,600,000
3.6million 44 1,800,000
38 900,000
Then 44 less 6yrs. Is 38… then half of Monthly
1,800,000 is 900,000. I must save to
reach my goal
I can afford to
save at present
30 50 60
Balance

55. GOAL Check Points
Age Amount
50 3,600,000
3.6million 44 1,800,000
38 90,000
32 450,000
Again, 38 less 6 yrs. Is
32..and half of
900,000 is
450,000. Monthly
I must save to
reach my goal
I can afford to
save at present
30 50 60
Balance

56. GOAL Check Points
Age Amount
50 3,600,000
3.6million 44 1,800,000
38 900,000
32 450,000
30 Your Age
Since 30 yung age mo,
sa 38 tayo magset
para mahaba yung Monthly
leadtime mo. I must save to
reach my goal
I can afford to
save at present
30 50 60
Balance

57. GOAL Check Points
Age Amount
50 3,600,000
3.600,000 44 1,800,000
900,000 38 900,000
32 450,000
30 Your Age
8
So 8 years yung
leadtime mo Monthly
para
makaipon my goal
reach ng
I must save to
900,000.present
I can afford to
save at
30 38 50 60
Balance

58. GOAL Check Points
Age Amount
50 3,600,000
3.600,000 44 1,800,000
900,000 38 900,000
32 450,000
30 Your Age
8
So, 8 years x 12 = 96
months… then, Monthly
900,000 divided by
I must save to
reach my goal
96 is 9,375. to
I can afford
save at present
30 38 50 60
Balance

59. Check Points
GOAL Age Amount
50 3,600,000
3.600,000 44 1,800,000
So, ang dapat na monthly
900,000 mo ay 9,375. ang 38 900,000
savings
32 450,000
tanong magkano ang kaya
mong I save sa isang 30 Your Age
buwan?
8
Monthly
I must save to
reach my goal 9,375
I can afford to
save at present
30 38 50 60
Balance

60. Check Points
GOAL Age Amount
50 3,600,000
3.600,000 44 1,800,000
900,000 38 900,000
Let say 2,000 lang ang kay
32 450,000
mong savings per month.
30 Your Age
So, may kulang ka pa na
7,375.. Saan mo po
8 kukunin ang 7,375?
Monthly
I must save to
reach my goal 9,375
I can afford to
save at present 2,000
30 38 50 60
Balance 7,375

61. GOAL SETTING naman
tayo sa target
mong
7,375/month …
Tara, usap
tayo..
Jolan - 09294772168