maau ba ning IMG?

[makie]

10% is not a conservative amount if uv tried stocks or mf. dont tell me kaiser can predict the market that it can earn like 15% or more on all its investments. compute, 1000 investors would get 568m vs kaiser's 400m projected income based on a ten year frame.

I'm looking at some MF's historical NAVPS and most of it went higher than 10% in a year. I just don't know how Kaiser would invest the payment of the policy holders. In 10 years time, I think that P400M would just be minimum. By basing it alone at past statistics, it could be more than P568M per policy holder or maybe lesser depending on the performance of their investments. Still worth the risk.

[makie]

btw, yung 400m na figure base na yan sa 15yrs projection, 160m x 150%. then now, tell me how can this cover 1000 lumpsum policy withdrawals. kaiser started 2004, lets say the 160m has grown to 256m right now, growing to 640m by the end of 15yrs, bt then, the policy computed is only aftr 10yrs, going 15yrs at a steady 10%, total 1000 policy would amt now to 852m. un lang.

No, it's P160M compounded by 10% a year, not just by simple interest, hence in 15 years time the P160M will be P668.36M that if the P160M is just left as is to grow. What if Kaiser added just P10M a year? It would be P986.08M in 15 years.

If we just know how Kaiser invests, then we could give a good approximation (at least). But for me, I think it's safe enough not unless if it will be mismanaged like CAP.

[mckoy_slipstream]

its just my analysis. meticulous me when it comes to investments. yes, mf can reach as high as 20% gain, bt again, im using conservative figures to project. market goes up and down, never up up all the way. 15yrs is a long time. and kaiser is not an insurance firm, its an hmo.

[kizj]

1.) IMG carries varied financial services such as health care, life and general insurance, investments (mutual funds), and real estate.

Health Care:

Long Term: Kaiser
Short Term: Intellicare, Medicard

Life Insurance: Cocolife, Grepalife
Gen. Insurance: UCPB Gen, MAA General Assurance, Generali Pilipinas, Malayan Insurance
Investments (mutual funds): PhilEquity, First Metro Asset Management Inc., PhilAm Asset Management Inc., United Fund, Prudentialife Optima
Real Estate: AyalaLand, CrownAsia

2.) Regarding the mutual funds, you open and pay in IMG and IMG will take care of all the paperworks. You will be receiving a statement in a quarterly basis about your investment from the mutual fund company of your choice.

Just submit the requirements and pay the amount (minimum of P5000 to start and minimum of P1000 to add) at IMG through a broker. You could claim the statements at IMG.

3.) The main advantage of either being a broker in IMG or through an IMG broker is convenience. You could actually invest directly to mutual fund companies but since mutual funds companies are located in Metro Manila (Makati City), it's too much hassle to invest directly to them, not to mention the cost of going there.

IMG will take care of the processing of the papers then all you have to do is to keep track of your investment. It's a lot easier to invest through IMG if you're outside Metro Manila.

thanks sa reply sir...it looks that IMG don't have other pure investment aside from MF... I am thinking man gud to diversify my portfolio if naa lain nindot nga investments...

Educating Financial literacy to Filipinos is really a good idea to help Filipinos save and invest for their future. aprub jud ko ani hehehe...

I just don't like the idea of a broker tungod kay pwede ra man ka ka deretso sa mga MF company ug derecta pa ang transaction even diri sa Cebu tungod sa technology karon pero its true nga mas sayon jud kon naay mo assist nimo...ug naa man sad mga MF company nga naa sa Cebu...akong opinion lang ni ha hihihi...

[mckoy_slipstream]

ok, balik me sa pangutana sa ts: maau ba img? Yes! maau. daghan kapilian, its like a one stop shop investment house. about sa kaiser, that's just me. i have investments with other company, that's just me again. id love to invest sa mf as well thru img. kasi nga ayoko pahirapan sarili ko pnta me bank then transfr from a dept to anothr. usualy kc mga mf nasa manila. sa img, convenient na.

[Metz]

ok, balik me sa pangutana sa ts: maau ba img? Yes! maau. daghan kapilian, its like a one stop shop investment house. about sa kaiser, that's just me. i have investments with other company, that's just me again. id love to invest sa mf as well thru img. kasi nga ayoko pahirapan sarili ko pnta me bank then transfr from a dept to anothr. usualy kc mga mf nasa manila. sa img, convenient na.

bro I sent you a PM regarding your concerns with Kaiser. But if di gihapon ka convinced bai, talk to your MD. Mas maayo sila imo storyahan or better yet talk to the representative of Kaiser, naa man siya sa office permi and do the numbers with him.

[lorenzoleo]

to TS : Of course, IMG is very good, because they guide me to tailor my own Financial Design, I can buy Unbundled Insurance then invest the diference directly into MF. You can tailor your own retiremenet plan, health care, college education. SInce there are bunch of Financial compaines that IMG brokered.

If you want to buy Life Insurance, buy only TERM insurance. Buying whole life and endowment is rip-off. Buy Cheapest form of Life Insurance then invest the difference into MF.

Whole Life Insurance is a Rip-Off, 100% of the Time! - Associated Content from Yahoo! - associatedcontent.com

[makie]

thanks sa reply sir...it looks that IMG don't have other pure investment aside from MF... I am thinking man gud to diversify my portfolio if naa lain nindot nga investments...

Educating Financial literacy to Filipinos is really a good idea to help Filipinos save and invest for their future. aprub jud ko ani hehehe...

I just don't like the idea of a broker tungod kay pwede ra man ka ka deretso sa mga MF company ug derecta pa ang transaction even diri sa Cebu tungod sa technology karon pero its true nga mas sayon jud kon naay mo assist nimo...ug naa man sad mga MF company nga naa sa Cebu...akong opinion lang ni ha hihihi...

The good thing about being a broker in IMG is that you could sell to yourself. We could look at it in two different ways: [1] By being a broker, we could earn rebates on our personal investments, savings, and protection, or [2] We earn commissions through our own investments, savings, and protection.

In a third party POV, the main advantage of going through a broker are convenience and variation. Going through IMG is like going through a "financial package" or "many-in-one" financial program.

IMG's mission is to educate the people financially and also provide the opportunity to earn passive income.

[wizard_jamex]

I never regretted that I joined this company, because I learned lot of things especially about Mutual Funds, Stocks, Term Life Insurance, etc.

[wealthyhead]

IMG --> A great source of Financial Wisdom

The best thing is that you can do whatever you want with what you've learned.