How "Retireables" Need to Invest?

Retirement Planning ideally starts when you start with your career or business. However, in most cases, like we had, planning for retirement takes the back seat. It emerges back when we are actually about to retire, or forced to retire in our 50’s.

Government workers have better retirement pay. They enjoy above average pensions. On the other-hand, Employees from private companies is mandated by law to receive 1 month per year of service as lump sum and about 10-15K per month of pension. More often than not, these are less than what retirees need for maintaining their lifestyle.

When people retire, their challenge is how to manage their retirement money. They do not invest their money but spend it in fixing their homes, replacing their old cars and travelling the world which they were not able to do before they retire. Their situation is much like a “Lotto Winner” with so much cash in their hands that they get so excited to spend it on things they have not enjoyed in life prior retirement. 

In their 50’s and on their 60’s, they find it difficult to land another job. So, they do not have other source of money other than what they receive in their retirement. I met retirees who incurred a lot of loans and credit card debts. They don’t know how to manage their debts. Debts and Loans payments, eats up a majority share of their “Lump Sum” retirement pay. They are left with very minimal amount that last them for a year to 5 years. That is the challenge for “Retireables”.

But again, there is hope. I know. I was forced to retire at age 52 by the company I worked for. The solution is a combination of right investment for passive income generation, proper debt management strategy, and a business to fund my retirement. In short, retirees should still be net earners in retirement. Their total income should still be higher than their expenses. They should have positive cash-flow. 

The Retirement Replacement Fund we need to accumulate to be able to retire with Financial Freedom is 20X Annual Income. So if we were earning about 30K/month, this is 360K/Year. Multiply this by 20, the Retirement Fund you need to have is 7.2M PHP. In all probability, you don’t get this from your retirement pay. You need to work for at least 240 Years to get to this. Even if the company gives a 4X of the government mandated retirement pay, you would have to work for 60 years to achieve this. 

So the solution rest on properly investing the retirement pay, managing the debts, and creating a business that can generate a passive income. By simply investing a total of 9,700/Month at age 51, you can accumulate 7.2M by the time you turn 70. This can generate for you at least 30K/month in passive income from Investment Returns (assuming a 12% Annual Return). This sum, plus the retirement Fund you invested, plus the monthly pension, can definitely provide you with a financially free retirement. The earlier you start the easier for you to achieve your Retirement Fund Goals. Imagine, with just 20 Pesos per day of Investment for 30 years, you can accumulate 2M Pesos! Make it 100 Pesos per day, you can accumulate more than 5M pesos!

I invite you to take action NOW! Call or text me at 0920-902-1217 for your  FREE Retirement Planning Session. Or eMail me at richbenj.santiago@gmail.com

I also encourage you to REGISTER on our ON LINE FINANCIAL COACHING  to learn more.

God bless our plans!

How Should Gen X Invest?

Generation X are those people who are sandwiched between the needs of their parents, and the needs of their own children. They still support their parents, and they support their own family. I know a lot of them who are OFWs who try their luck abroad as DH-Domestic Helpers, Caregivers, Nannies, Teachers, and Professionals. They work abroad to earn more so that they can provide more to the needs of those whom they leave behind in the Philippines. They are in Saudi Arabia, Dubai, Israel, Japan, Vietnam, Malaysia, Singapore, and Hong Kong. They normally don’t have retirement pay, and most don’t intend to stay long abroad. They simply plan to work for 5 to 10 years and then go back for good. They are our heroes. They sacrifice a lot by staying away from their families, so they can provide for them.

Most of them earn more than double of what they can earn in the Philippines. A DH can earn as much as 25,000Php in Hong Kong while they can only earn about 8K/month in the Philippines. The families they leave behind depends on them so much. They are most often times used as source of emergency funds. Their families thought that their income is unlimited. Most of these Gen X who are abroad sets up a business they let their families take care of. However, due to lack of Financial Education, they normally do not know how to handle their finances. They plan to work for no more than 10 years, go for good in the Philippines with the business they set up, but they end up working all their lives, with failed business, and with no savings in their retirement. That is their challenge.

Those that opt to stay and battle it out in the Philippines face the same challenge of supporting their own families, and their parents, on a daily basis. They would normally live in separate houses, as most married couples wouldn’t want to live with in-laws. Income normally isn’t enough for their own family’s needs. They fall prey to loan sharks, credit cards, and all kinds of loans. I know this first hand. I’ve been through it too.

They earn but their expenses; on both ends, more often than not exceeds their income. They pay other first before they pay themselves. Warren Buffet put’s it accurately.

But, there is hope. FINANCIAL EDUCATION is the Key that will enable the Gen X to start investing, wherever they are. The most important Concept Gen X needs to know is the “Pay God, and Yourself First”. This is the “Prosperity Formula” that Bro Bo Sanchez teaches us. We just simply save and invest 20% of what we earn. And we do this by making sure we spend less than what we earn, and earn additional income by engaging in a business. A business, they can do in their part time. More importantly, they also need to get their families financially educated so they appreciate the value of money and how to save and invest.

Bottomline here is that those who Gen X work hard for, need to Invest on Financial Education. Those that rely on us have to know the proper way of handling our finances. Then, we need to make sure we do our best to Invest for our future as no one else will do it for us. Not the government, not our children, nor our parents who depends on us.

If you are Between 35-50 years old and you have a family that you support, including your parents, this guide is for you. You are the Gen-X I am talking about. You need to act on your Financial Strategy NOW. Contact me at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com.

God bless us all!

Register NOW on our FREE ON LINE WEBINAR

Investing Made Easy for Seafarers

Seafarers are highly paid. They have a yearly renewal of contract that last as short as 4 months to as long as one year. Most usual, high ranking officers get on board for 4 months, while low rank seafarers go on board for about 8 months every year. They have to go through training and certification each year to get promoted to the next level to increase their rank and pay.

They usually, have healthcare only when on-board. Some even have coverage for their extended families. Some don’t. They don’t get paid when they are not on-board or under training. They have to pay for their own Training and Certification. They don’t have 13th month pay. They also don’t have retirement pay. They usually invest on properties, cars, and huge houses. These are what makes them different from most profession. These are the reasons why, they need a different approach into investment and protection.

The advantage of seafarers is their income. They just have to learn how to budget, and how to invest correctly with their spouse, and children. They have to invest the retirement pay they already receive in advance. They need to make sure they divide the total income they receive per year by 12 so they can budget it correctly. Unless they save and invest, they don’t have retirement funds to rely on for they already spent it.

You see, even if they start at age 41, with 20% of 125,000Php/Month which they normally earn, they could accumulate 23.6M Php by the time they turn 61. They can happily retire with financial freedom with more than 190K/month earning from their investment. What if they start as early as 21! If they do when they turn 41 they can retire also with 23.6M if they start to invest 25K/month properly.

If you are a seafarer, and want to know the complete and solid financial strategy for you, contact me NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com for your Complete and Solid Financial Strategy.

How Millennials Need to Invest?

The Advantage of Starting Young and Disciplined.. Retire Early and Wealthy!

Our Investing Millennials Event

Millennials referred here are those that have ages between 21-35 years old. They comprise more than 50% of the total population of the Philippines as of 2017. If you belong to this group, you have a totally different situation, and needs a different approach into investing. Actually, you are the luckiest bunch of investors. You have the luxury of time. Time is your greatest asset.

Millennials are highly connected in the internet. They are on-line most of their time. They are exposed to interesting travel spots, updated gadgets, and places to eat. Search engines in the net exposes them to many spending opportunities. They would normally hop from one job to another. Most of them, plan to marry in their early 30’s. 

Most millennials go by the by-line “YOLO- You Only Live Once”. Thus, they enjoy their freedom and spend most of their income on food, travels, and gadgets. Investing for them takes the back seat. They simply want to enjoy life.

However, these millennials are gifted with time. They do not have to invest a lot of money to prepare for their future. 20-30 years of investment period is an advantage they have. They don’t have to invest so much to accumulate their millions. They just have to start early.

Do you know that if you are a millennial at 21 years old, you only need to invest 3000Php for 20 years, and you can achieve more than 2M. Then you can leave your investments to compound to 15M Php investment accumulation, when you retire at 60 years of age. You invest in your Level 1 for 7 years and move your Level 1 Investments to Level 2 on the 8th to 20 year. The balance of your investible funds can simultaneously be invested into either Level 2 or Level 3.

At 31 years of age, and up, they normally start to plan for their marriage and have their own family. This is their new challenge. How to accumulate money for their wedding day. If they start to save at 21 at least 50Php/Day or 1500Php/Month, they will have 346,069Php for their wedding (assuming a compounded rate of return of 12%)!

A complete retirement plan for a 31 Year Old can be as low s 4000Php/Month. With this, they can achieve about 7.7M investment accumulation at age 60.

Based on the above examples of two guys investing at the same time,  one is 21 years old (let's give him a name: John) who invested 3K and the 31 year old (say his name is James) invested 4000 per month, John can accumulate 2M, and James  can achieve 3M in 20 years , James  can accumulate 1M more versus John after 20 years. However, when they both reach 60 years old, the total accumulation of James is less than half of John who invested only 3000Php. This is because  John has 20 more years to let his 2M grow while James only has 10 more years to grow his 3M after 20 years. So do you see the importance of starting young?

Time is really of essence. The earlier you start, the more you can accumulate through the Power of Compounding Interest. This is practically in the range of 100-150 Php per day of savings only which most of Millenials working with even just 500Php/day income can save. “Agree ka ba bes”?

Now, if you are a Millennial and want to secure a bright and prosperous future, don't delay. Contact us NOW at 0920-902-1217 or eMail me at richbenj.santiago@gmail.com.

I also encourage you to attend our FREE ON LINE FINANCIAL COACHING to learn how to do it.

You are the hope of this nation! Be rich before your life begins at 40!

God bless you all!

How DO We Invest? What Challenges do we face?

The other challenge of investing is finding the appropriate, and safe investments. A lot of people fall prey to scammers. People never learn. Because most of us wants instant gratification, instant coffee, instant return on our money! In investing, we need to have a solid, and complete plan. We need to have a coach to increase your success rate. 

There are given rules of investing, dictated by the Term of Investment (tenure), and Risk Rate of Return Trade Off. The Longer Term gives Higher Returns. The Lower the Risk, the Lower the Return. The Higher the Risk, the Higher the Return. And, Longer Term of Investment usually negates the Risks.

So you need to know How Long will you invest, and what risk can you take. What is your risk appetite? Do you go for higher risk? Can you take the risk for the money you invest? Do you need the money within a year? Or you intend to use it after 10 years? Your answer to this will lead you to the right investment vehicle.

Define your investment purpose. Determine your investment goals. Then you match your goals with the different investment vehicles suited for your term of investing as well as your capability to risk our money.

From these different investment vehicles, we master and executed the three levels of investing. Level 1 is our KAISER 4 in 1 which satisfies our basic investment foundation that prescribes we get into short term and long term health care, and life protection. 

Level 2 is our Mutual Fund Investments.

Level3 is our direct stocks. Our level 1 investment is allotted for the H in HIDEE and we use Level 2 and Level 3 to cover for the remaining Purpose of Investing (IDEE).

Level 1 investing developed our habit of saving and investing as it is with due dates. It is also a perfect way to start for it has insurance protection that will guarantee we complete the investing even if we get disabled or worst case die. 

It also teaches us the proper way of investing which is called Money Cost Averaging. This is a strategy that is less risky. The other way of investing is “Trading”. I always hear from a financial mentor that “85% of people who trade in the stock market loses their money”. I personally just do the Money Cost Averaging. It is simply investing same amount of money at a defined frequency, continuously, on a long term basis.

You need to ride on investments that will put money into our pocket. Not all assets are real assets based on definition of Robert Kiyosaki. “Real Assets puts money into your pocket”. Make sure we Invest only on Assets. We have to stop putting money on liabilities:

Again, as Robert Kiyosaki say, Invest on Assets. “Assets are anything you buy or have that puts money into your pocket”. So, after Getting our Level 1 Investment and Protection, we proceed to invest on Level 2.

Our level 2 is on Mutual Funds. Why is this? For beginners of investing, after completing the basic protection Fely and I re-allocated investments we placed in direct stocks to Mutual Funds. There are many advantages of Mutual Funds. I liken Mutual Funds Investing to simply buying a cake if you don’t know how to bake it yourself.

If you want to know more, ATTEND our FREE ON LINE WEBINARS

If you want to start to invest, contact me NOW at 0920-902-1217 or email me at richbenj.santiago@gmail.com

Happy Investing!

Investing in 3 Levels Within 24 Hrs

They Really Don’t Want You

To Learn How To

Invest…


But

I Can Teach You

How To Invest And Start It Up

In Less Than 24 Hours

with Just

10,000Php!

PLUS: How I Increased My Cash Flow and Finally BROKE The Debt Chain That Tied Us For Decades!

I know how it is to be really working hard for the money. And it pains me to see people like you lose their opportunity to make your money work for you. You may also be working for Multi-National companies as Managers, an OFW or a Seafarer. And you earn very well but that maybe is all you know! You earn from your jobs but don’t know how to really make your money work for you.

You probably do not know how to invest correctly. Or, you may be investing without a coach or a guide, improperly, and not solidly founded on a purpose and plan. I want you to achieve the highest returns for your investments.

I know it is your goal to be able to increase your money line so that you can have money working for you in your retirement years... It is also our PURPOSE … our MISSION to HELP you invest successfully...

You may have a lot of FEAR about investing because of your lack of knowledge or you may have been a victim of a scam that makes you wary of anything to do with investing. Or maybe, you simply do not know how to start and do not have anyone to guide you. I know the feeling because I had been in that situation. Fears can actually make you do more mistakes or immobilize you and make you a loser.

Based on a survey, 85% of Filipinos who put their money in the stocks market incorrectly lose their money..

I Want You To Invest Successfully!

Many of my friends who retired lost their retirement money in 3 years. Sue, went into failed business and investments for she did not learn how to invest properly and did not have a chance to get coached how to do it. She lost more than P2 Million of her retirement money in a franchised restaurant business. Sue is an Engineer and she does not know anything about the restaurant business. 

Nancy, one of my IMG Business Partners invested also in a failed business investment.

It's a pity that so many ordinary folks, retirees, government workers were duped by an investment scam called Aman Futures.

I had also been scammed for 250,000Php in a dubious investment scheme in “cell cards” in 1998. 

What Can I Offer You? …

You do not have to go through the same painful experience I had and my friends had. I had learned to fail in the past and I’m using those past experiences as a lesson to show you how I started up correct investing at age 51 and achieve financial freedom in 4 ½ Years!

You can experience this too... You can retire and have tons of money to take care of yourself, and your money doesn't get depleted. You can take your whole family, including your grand children on a yearly local tour, and once every two years on a pilgrimage to Holy Land Europe, and enjoy "gelato" in Italy where St. Francis once walked.

Enjoying Lourdes, France.

Fely and I lost a lot of opportunity due to our lack of know-how in investing in the tune of more than 100M Php! Yes, you read it right…we lost a 100Million Peso Opportunity in investing. Because I did not give investing any serious focus. Fely and I never sought help, nor study investing seriously. We were so comfortable earning money from employment.

Fely and I tried to invest on what turned out to be a scam and we lost our money. Investing requires literacy. IMG gave that to us. We owe our investing know-how in Mutual Funds to IMG and Rex Mendoza. Investing became so clear and simple: It’s Like Eating Cake!

Fely and I put to action what we learned from Bro Bo's Truly Rich Coaching Seminar and got into a company called IMG-International Marketing Group. Fely and I were coached how to manage our finances, how to get out of debts, and how to invest properly. We did not just learn…we started to do what we learned. And with discipline and consistency, we continued to do it since then till now. 

Then, after two years, we started to share our experience with our family and friends, encouraging them to follow our example. In about 3 years after my retirement, we were able to get out of our bad debts, had profitable investments, and were able to start to generate passive income, which reached 153,678Php/month in 2012. 

After 5 1/2 Years with IMG, Fely and I have been able to change more than 5000 people's lives all over the world. We also touch people’s lives in our mission as Financial Counselling Ministry Head of Bro Bo Sanchez PICC Feast. We also help out people build a solid financial foundation for their future through the Wealth Circle of Bro Bo Sanchez. Fely and I are now, debt free, happily retired business owner with profitable investments travelling the world. 

Holy Land Pilgrimage Side Trip in Dubai...

Time for Action…

Warning: DO Not Delay Your Investing…

Do not PROCRASTINATE. I want to help you in your investing. I can guide you and hold your hand every step of the way towards your financial freedom. All you have to do is call us up or email us (details below) and we’ll discuss HOW you can achieve what we have done, and set your course straight towards your financial goals.

KEY BENEFITS YOU WILL GAIN

* You will receive a total guide and personal coaching on the “why and how” of correct investing. You will learn the different vehicles of investments that is right for your purpose and financial goals... Personal coaching will assure your success. It will really feel like you are just “Eating cake”.

* You will be able to execute in less than an hour the various, safe and profitable ways of investing in the first level Investment called Kaiser, second level Mutual Funds and third level Direct Stocks with a minimum starting investment of only 5000Php each! And your MUTUAL FUNDS are FOREVER ZERO LOAD FEES that is a savings of more than 2500Php for every 100,000PHP Investments!

* You will be able to define the proper way and the most effective way to allocate your investments. You will be able to define for yourself and your family your short term and long term financial strategies that will allow you to be financially free!

*You will have access to Direct Stock Investment through MyTradePH by Abacus Securities Apps and Platform. You will receive daily notification on Stocks Updates on your phone wherever you may be. You can buy and sell stock though your phone or tablet. This can easily save you no less than 10,000PHP/Year in FEES.

* Sorry to disappoint you, I do not give guarantee that your investment will have no risk and earn immediately. It is not going to be a get rich quick scheme or a risk free investment... But I guarantee, if you follow my system which I personally experienced you can be a multi-millionaire in less than 3 years.

* You will also have your privilege to get into a business opportunity of helping people save and invest properly. A business that you define your own quota, your own time, and YOU are your own BOSS! You own the business! A business you can start up with less than 9999Php! This is part of the offer , so you can increase cash flow, and be able to invest more money.

WHAT PEOPLE SAY ABOUT OUR PROGRAM

EVC Matin Leano

"I am a High School Graduate and never finished college. My family is poor, and I know the hardship of being poor. I do not want my children to have limited education like me. I want them to finish college. I want them to have a better life. And I am so happy I learned how to manage my finances through Bro Benj and Sis Fely. It really works. I invest now in Mutual Funds and I earn passive income from my own business by simply sharing and helping other people how to properly save and invest” –Matin Leano

CEO Nancy Martin

“I worked as engineer for Intel. After an early retirement from Intel, I put up a business (franchised outlet of meat products) together with my friends from Intel who were also given their early retirement package. After two years, I have not recovered my investments. I am glad I learned from Bro Benj and Sis Fely how to create my own business, and how to invest. Now, I have a very profitable business helping people save and invest. It really is amazing for I only invested insignificantly low amount against the investment I made in our failed franchise business.”- 

Nancy Martin

SO HOW MUCH WILL IT COST YOU?

You probably would think this would cost you “tons of money" to learn how to invest and start it up immediately. It’s true that this COULD cost you more than P50,000 just for the seminars and investment planning.

But that’s not necessary, because it is part of our mission to help people save and invest correctly you’ll enjoy a FREE 1-hour investment consultation if you call me within the next 24 hours upon reading this note at 0920-902-1217 or email me at richbenj.santiago@gmail.com NOW!!!

BONUS! BONUS! BONUS!

As an added BONUS, if you decide to join of our program, you will receive my  monthly updates, and a Quarterly Market Updates from the best Fund Manager with a combined total value of more than P20, 000... All for FREE!

Call me NOW to set up your appointment! Send me an eMail NOW at richbenj.santiago@gmail.com. Better yet, call me at 0920-902-1217… I would guarantee you a response within 24 hours no matter where I am… Just tell me I want to “invest like eating cake”…

See you soon!

God bless you,

Benjie and Fely Santiago

PS: Don’t procrastinate. Learn how to profitably invest NOW! Call me at 0920-902-1217 or email me at richbenj.santiago@gmail.com and we’ll sit down together and help you define your investment strategies for your future!

PS2. In the past we failed in our investments too. Today, we’re enjoying our life because of our investments. YOU can experience this too. Call me at 0920-902-1217 or email me at richbenj.santiago@gmail.com and tell I want to “invest like eating cake”.

Investing In Mutual Funds: ZERO LOAD

A Lot of People  Now Wants to Invest.
However, Some Think That Investing is Only for The Rich.
Some People Don't Even Know What Mutual Funds are?

One of the Major Benefits of being an IMG Member is  Access to Mutual Fund Investments.

And the best part of it is that we have ZERO LOAD which means there are NO Entry Fee charges when we Purchase our Shares in Mutual Funds through IMG. On Top of that, we are given the privilege to get educated and updated on Mutual Funds so that we clearly understand what we are getting into.

We have Domestic Helpers, Construction Workers, Janitors, Drivers, Engineers, Doctors, Retirees who learned the right way of investing and they are now empowered to know what is the right investment vehicle for their needs.

If you want to avail of this Membership Benefit of IMG, contact me NOW at 0920-902-1217 or email me at richbenj.santiago@gmail.com for more details.