Edcel Santoluma

22/08/2024

Pinaka Legal na investment ngayon ay Stock Market and Mutual Funds.

ADVANTAGES OF MUTUAL FUNDS (vs STOCK MARKET)

1. Low Initial Investment
- It takes only P1,000 to start investing. After that, you can invest P20 pesos every month or every other month, or as often as you want.

2.Diversification
-Mutual Funds allow small Investors to take advantage of investment opportunities with a bigger interest and enable them to buy more types or unit of investment, instead of being limited to only one or few.

3. Convenience and Cost efficiency
- Mutual Funds take the stress away from small investors who want to invest in the financial markets. This is because MF are handled by competent and professional fund Managers who choose the right investment for them.

4.Principle of Compounding at Work
-The earnings of a Mutual Fund grow more when the value of the securities it owns increases. Compounding automatically takes place while the investments remain in the Mutual Funds.

5. Liquid Investment
- This means you can withdraw your cash easily if you need it. Mutual fund shares can be sold ( redeemed ) and collected within seven days at the prevailing market value.

6. No more tax and additional charges
- Mutual funds invest in stock and securities that are already subject to final withholding tax. Therefore, investors in MF are no longer subject to tax.
-Regulated by the Securities & Exchange Commission

Let your Money Work for You instead of putting it sa Bank.

Message me for details!! 🙂

20/08/2024

Hindi excuse ang maliit na sahod kaya hindi nakakapag-ipon at nakakapag-invest.

Kadalasang kung sino pa ang hindi nakatapos ng pag-aaral; janitor, street food vendor, katulong at iba pa, sila pa ang may maraming ipon at investment.

Kung kinaya nilang mag-ipon at mag-invest, mas kakayanin mo rin.


CTTO

18/08/2024

Financial freedom can bring several benefits, such as:

✅INDEPENDENCE: Financial freedom allows individuals to become financially independent and not rely on others for financial support.

FLEXIBILITY: Financial freedom provides flexibility to make choices and take risks in life without being limited by financial constraints.

✅SECURITY: Financial freedom provides a sense of security and peace of mind, knowing that one has enough resources to handle emergencies and unexpected events.

✅BETTER QUALITY OF LIFE: Financial freedom allows individuals to enjoy a higher quality of life, with the ability to pursue their passions and hobbies, travel, and spend time with family and friends.

✅LEGACY: Financial freedom can enable individuals to create a lasting legacy, by being able to give back to their communities, support charitable causes, and make a positive impact in the world.

17/08/2024

You should know your priorities to save even more for your future! 💙

Always be G with IMG's different workshops and trainings if you want to learn more about how to save money. Educate yourselves on how to handle finances and attain a successful future.

17/08/2024

16/08/2024

Mutual Funds: Bakit magandang mag-invest dito?

DIVERSIFICATION

Ang mutual fund ay nagbibigay ng instant diversification, kung saan ikinakalat ang investment sa iba't-ibang financial assets tulad ng stocks at bonds upang mapababa ang market risk at mapataas ang potential returns.

Ayon sa batas, ang mutual fund ay obligadong mag-invest lamang ng hanggang 10% ng total assets nito sa isang financial instrument upang maiwasan ang concentration risk.

14/08/2024

Si Kaiser naman ang only Long term Healthcare sa Pilipinas na 7 years ka lang maghuhulog at covered ka lifetime kahit sa pagtanda mo may bonus pang LIFE INSURANCE & INVESTMENT.
Get your own Longterm Healthcare or HMO .
KAISER 3 in 1 For just a minimum of 88 pesos a day you can enjoy the following:
- FREE Annual Physical Exam/Medical
- FREE Dental (Linis, Bunot & Temp Pasta)
- FREE Hospitalization Benefit
- Life Protection of 500K and above
- And Return of Investment of more than 1 million which is good as cash sa Maturity
You also have 4 beneficiaries and family assistance services 😊
Message me for details to get your quotation 💯

13/08/2024

Mutual Fund 101

It is professionally managed.

Rather than choosing, buying, and selling stocks or bonds yourself, you have a skilled fund manager doing it for you.

When you buy shares of funds, you're pooling your money with other investors. And managers use this pool of money to buy the stocks or bonds that end up forming one portfolio. ♥️

Want to learn more? PM me is the 🔑.

13/08/2024

With Kenneth Corvera – I just got recognised as one of their top fans! 🎉

10/08/2024

Kung gusto mo yumaman mag INVEST KA! Kung ayaw mo maghirap lalo na ang iyong pamilya 🧑‍🧑‍🧒‍🧒dapat may INSURANCE KA! 💯
Ano ang advantage ⁉️
✅ INSTANT MONEY & TAX FREE 💰- Unlike properties hahanap ka ng buyer at babayad ng tax.
✅ RETIREMENT 👵 👴- Complete package na sa iyong needs. Lalo na hindi habang buhay may sweldo.
✅ FAMILY SECURITY 👫👧👦- Di natin alam what will happen in the next 5-10 years. Atleast may pera maiwan sa family mo.
✅ PEACE OF MIND 😎😎- Dahil alam mo na may back up plan sa mga hindi inaasahan.
Kung gusto mo yumaman mag INVEST KA! Kung ayaw mo maghirap lalo na ang iyong pamilya 🧑‍🧑‍🧒‍🧒dapat may INSURANCE KA! 💯
Ano ang advantage ⁉️
✅ INSTANT MONEY & TAX FREE 💰- Unlike properties hahanap ka ng buyer at babayad ng tax.
✅ RETIREMENT 👵 👴- Complete package na sa iyong needs. Lalo na hindi habang buhay may sweldo.
✅ FAMILY SECURITY 👫👧👦- Di natin alam what will happen in the next 5-10 years. Atleast may pera maiwan sa family mo.
✅ PEACE OF MIND 😎😎- Dahil alam mo na may back up plan sa mga hindi inaasahan.
Kung gusto magkaroon nito hanggat Kaya pahh.

09/08/2024

Kung mag- iipon ka ng 20 pesos everyday sa loob ng isang taon or 365 days, makaka-ipon ka ng 7,300.00.

Okay lang na mag simula sa maliit - eventually, your savings will grow.

Ang importante, ma develop mo ang saving habit. 💚

Also, learn how to invest to make your savings grow at maabut ang mga financial goals.

Attend our FREE Financial Coaching para matuto ka din. Message me. :)

08/08/2024

WOW💥congrats sa mga IMG members you are in the right company, because you understand what INVESTMENT fit for you and you are executed.
Now the blue chips company you want to be a shareholder is now belong in top 10.

Continue put additional top-up on your Mutual Fund Investment, para magiging masaya ang retirement goals natin.

Sa mga hindi pa nakakapag simula hindi pa huli ang lahat.
Attend kayo ng aming ONLINE CLASS about Investment para may alam ka HOW IT WORKS.

Message me directly i will give you a link for webinar💪

07/08/2024

Naalaala mo ba nung biglang magpademic, maraming nawalan ng trabaho, marami sa atin ang hindi handa. Biglang nabago ang mundo!
Marami ka bang narealize noon sa buhay?

Wala itong pagkaka iba sa sitwasyon na.

1. Bigla kang tinanggal sa trabaho, no work no pay
2. Retired kana, no work no pay.
3. Bigla kang nagkasakit. No work, no pay
4. Biglang nagsara ang kompanyang tinatrabahuan mo. No work, no pay
Tapos di ka handa,
- Wala kang ipon.
- May pinagpapaaral kapa.
- May kapamilya kang kelangan ng medical attention.
- May mga utang na kelangan bayaran.
- May Pamilyang umaasa sayo.
- May pinapakain, ginagatas at dina diaper.
- May buwanang bayarin (tubig, kuryente, etc.)
At walang sustento na inaaaahan sa gobyerno. Dito mo ma realize na sana may Fallback ka,
- emergency fund
- savings
- Business
- investment
- passive income
- pensions
- profit share
- dividends
Na kahit wala ang active income mo ay mabububay ka pa din at di maaapektuhan ang lifestyle mo at ng pamilya mo.
It's time to be more open minded in other opportunities. Basta makakatulong sayo at pwedeng magbigay kahit barya2ng kita sayo.
Ngayon nakita mo at na realize mo na ang hirap pala kapag umaasa ka lang sa single source of income lang.
- Hindi pala pwedeng umasa kalang sa lakas mo.
- Hindi rin pala assurance na lifetime na ang trabaho at pinagkakakitaan mo ngayon.
-Hindi mo rin pala pwede asahan sa lahat ng pagkakataon ang mga kapamilya, kaibigan, at kakilala mo.
-Hindi rin assurance na may tulong na darating sayo galing sa gobyerno.

Baguhin na natin ang nakasanayan at tanggapin na ang katotohanan.

07/08/2024

Wala sa laki ng kita para mkapag ipon, kundi sa disiplina at goal mo na mailagay sa tama ang perang pinaghihirapan mo.
Pero dahil hindi naman tayo forever na malakas at may income dapat alamin mo rin paano palaguin ang perang iniipon mo.Dahil kahit 1000 na pang start at pa bente bente na top up ay pwede ka ng mkpag invest.
Save and investment the right way. Simulan mo na rin habang kaya mo pa at may income ka pa na pwede mong ipunin.
Spending is a habit and so in saving.
Magsimula ka lang at hindi mo na mamalayan na makakaya mo rin mkapag ipon.
Be a member of IMG at libre na ang training at may mga coaches na pwedeng mag guide sayo.


Ctto

06/08/2024

Disiplina ang kailangan.
Kapag wala ka nyan, kahit malaki pa ang sweldo mo, di ka makakaipon.
At pagsisisihan mo yan kapag tumanda ka na at wala nang pagkakakitaan.
Start learning..
Attend to our financial literacy class for free.
Learn how to invest your money and make it work for you...

05/08/2024

Kaiser International Healthgroup proves that through the years they made sure that your Golden Years are healthy, fulfilling, and worry-free! 💙

Secure your future now with Kaiser, and experience na may kasama kang tumanda! 🧓🧓

Learn more about us through our website:
https://www.kaiserhealthgroup.com/

05/08/2024

Paano nga ba mag-Start mag-Invest sa Stocks at Mutual Funds sa mas convenient na paraan?

😍 Matagal Mo nang gustong mag-Invest sa Stocks at Mutual Funds pero hindi Mo alam ang gagawin. At kung ano ang unang steps para makapag-start.

💡Alam mo ba na thru IMG, mas magiging madali ang magsisimula Mo ng iyong Stocks at Mutual Funds?

✅ YES, maari kang maging Mutual Fund Shareholder thru IMG Soldivo Funds. Meron kang P1,000 initial funds pambili ng shares sa IMG Soldivo.

✅ At hindi lang yan, maaari ka ring makapag-Top-Up o makapagdagdag sa iyong funds for as low as P20.

✅ Maaari ka ring matuto pa sa mga Libreng Trainings at Workshops sa IMG.

✅ May mga mentors rin na magga-guide sa'yo para mas maging tama ang mga steps na gagawin mo.
Madali at Simple lang ito gawin, basta bigyan mo lang ng oras para pag-aralan ito.

REMEMBER : KUNG GUSTO MO NG PAG BABAGO DAPAT MAY GAWIN KANG BAGO.

Join us. 𝘽𝙀 𝘼𝙉 𝙄𝙈𝙂 𝙈𝙀𝙈𝘽𝙀𝙍 𝙉𝙊𝙒, and seize the opportunity for growth and success. Don't miss out—secure your place today! Be a part of our thriving community: International Marketing Group, Corp.

02/08/2024

🤔
“The more your money works for you, the less you have to work for money.” – Idowu Koyenikan

02/08/2024

Saving money is a sign of greatness, confidence and self-worth.
It means you give value to the effort of making money.✅

01/08/2024

# FriendlyReminder

31/07/2024

Ano ang nasa isip mo?

Sa eroplano, di pa nga lumilipad iniisip mo agad "Paano kong bumagsak?🤔

Sa barko, di pa nga umaandar iniisip mo na agad "Paano kong lumubog?🤔

Sa negosyo, di ka pa nga nagsisimula iniisip mo na agad "Paano kong malugi?🤔

Hmmmm. Kita mo na? Paano ka aasenso kong yung mga bagay na di mo pa nagagawa negative agad nasa isip mo..

Sa employment.. Nong natanggap ka naisip mo ba agad "Paano kung matanggal ka?"

Ang buhay, subok subok lang yan. Paano ka makaka usad sa hirap ng buhay, paano ka hahakbang? Walang taong naging successful na hindi humarap sa takot. "Face your fears ika nga...

Ang sasakyan nga may extrang gulong.
Para in case of emergency may pang palit.

Ikaw, may extra ka ba?

Change your MINDSET and BE FINANCIALLY EDUCATED‼️

DM me

31/07/2024

30/07/2024

IMG is not just the essence of “PAGPAPAYAMAN! ".
NAG IMG ako kasi gusto kong yumaman,
definitely its not like that...
IMG - is about having greater knowledge in managing our finances and being Financial expert of your own..
IMG- is about giving us the right information of building our own solid FINANCIAL FOUNDATION lifetime.
IMG- is about providing us lifetime learnings to
SECURE OUR FUTURE!

LIFE IS ABOUT HAVING EQUAL CHANCES OF OPPORTUNITIES, IT'S ABOUT HOW WE WILL GRAB IT!
DONT PLANT TOMATOES (active income / job) that will give u temporary harvest
INSTEAD PLANT MANGOES (passive income/savings and investments) that will give you permanent harvest.

-Noel Arandilla (SEVC/Founder of IMG)

30/07/2024

Wala pa akong nakitang taong naghirap dahil nag-Ipon, pero madami akong nakitang naghirap dahil nag-Waldas ng Pera.

28/07/2024

𝗠𝗮𝘁𝗮𝗴𝗮𝗹 𝗡𝗮 𝗔𝗻𝗴 𝗠𝘂𝘁𝘂𝗮𝗹 𝗙𝘂𝗻𝗱 𝗣𝗲𝗿𝗼 𝗞𝗼𝗻𝘁𝗶 𝗟𝗮𝗻𝗴 𝗔𝗻𝗴 𝗠𝗮𝘆 𝗔𝗹𝗮𝗺.

𝟵𝟬’𝘀 Mayayaman lang ang nakakapaginvest dito dahil need mo ng 100K para ito ay umpisahan.
Kaya nga tinuturing itong sikreto ng mayayaman dahil sila lang ang may alam at kakayanan.

𝗬𝗲𝗮𝗿 𝟮𝟬𝟬𝟬: Dahil sa pagpasok ng mga financial literacy awareness nalaman narin ito ng middle class at ginawa na ring affordable sa halagang P5000:pero iilan pa rin ang nagiinvest at limitado parin sa may kaalaman na nakaattend ng financial literacy seminars at nakabasa ng mga libro tungkol dito

𝗡𝗴𝗮𝘆𝗼𝗻: Para makaipon ang karaniwan at makayanan ng mga kabataan, 1000 na lang ang initial ng Mutual Fund at 20 Pesos lang ang minimum kung gusto mong dagdagan any time.

Ang maganda ngayon dahil sa IMG Membership Benefits,
Kung sakaling ikaw ay magiging member automatically may 1000 Pesos initial investment ka na agad at pwede ka magdagdag kahit nasaan ka man anytime using your IMG mutual membership account portal.

Wait there’s more, alam mo ba na ang membership mo sa IMG ay may kasama nang P100,000 personal accident insurance,
P50,000 Memorial Benefit insurance, Unlimited Health Consultation and more!

Do you want to know more about How to have IMG Mutual Fund account portal?
We can help and guide you how to invest in mutual funds and become business partners with Jollibee, SM and more.
Attend our Free Personal Finance and Investments Seminar:

Message us para ma guide ka

💯

26/07/2024

Ako rin naman, ayoko ng SSS/GSIS lang.
IMG Real Talk from
Bro. Bo Sanchez
A quote from the motivational speaker/evangelist/preacher Brother Bo Sanchez:
Man: "Twenty years from now or 30 years from now, how can I be sure that the money I’m investing will still be there?"
Bo Sanchez: “I agree. Life is unpredictable. God never promised certainty. There are no guarantees in life. But I’d rather face that unpredictability with the CHANCE of having P20 million when I hit 60 or 70 years old, from my investments, rather than face that unpredictability with just my SSS pension to feed me.”
Ctto