There will be questions that you may encounter after the presentation. Still, the best way to answer the question is not to answer them but to arrange a meeting with your MD/Trainer. (Q&A responded to by EVC Fely Santiago and as commented by EVC - TRM Head Coach Benj Santiago)
Q1. Based on your website, IMG is an “International Marketing Group is one of the few companies of its kind in the industry today - a marketing company”, a marketing company. So basically, you’re marketing/selling these financial services and insurances to us.
Qa. Did these companies/partners paid you or do you have a certain agreement with them to endorse “partners” to us?
A. LATTER, YES. IMG has an agreement with all the companies we are partnered with. Actually, a lot of companies want to partner with IMG as its distribution channel but IMG carefully selects and accredits companies. In much same way, I am sure the companies who partners with us also do their own checking. While our company is marketing financial services, our main mission if to provide financial education to people.
Qi. What does IMG gain from endorsing these “partners” to us?
A. IMG GET COMMISSIONS FROM THESE PRODUCT PROVIDERS. Like any Broker/Dealer, the commissions are split between the agent that made the sale and the team he/she belongs. This is much the same as of a traditional insurance companies that the hierarchy of the organization from the sales agent to the President earns from a sale.
Qii. Does IMG get commissions from a “sell”?
A. YES.
Qb. How can you guarantee that there is no conflict of interest?
A. WHY WILL THERE BE CONFLICT OF INTEREST? IMG ACTS A DISTRIBUTION ARM OF THESE PRODUCT PROVIDERS. WE ARE BUILDING A NEW INDUSTRY IN THE FINANCIAL SERVICES INDUSTRY. IMG IS JUST LIKE SM IN THE FINANCIAL SERVICES INDUSTRY.
Qi. Meaning, are you not just using “financial literacy” as a way to sell?
A. WE DON'T JUST SELL. WE EDUCATE FIRST. THEN PEOPLE DECIDE TO BUY. WE SELL ONLY TO THE PEOPLE WHO WANTS TO BUY BECAUSE THEY NEED IT. We are really changing the way financial services is done. Education first. Making sure the client would know what is best for them and then they make the decision to buy.
Qc. Is the “financial literacy” part a marketing gimmick?
A. THIS IS NOT A MARKETING GIMMICK. THIS IS A MISSION. THIS IS AN ADVOCACY. WE BELIEVE MOST PEOPLE DON'T PLAN TO FAIL. THEY JUST FAIL TO PLAN. THE REASON THEY FAIL TO PLAN IS LACK OF KNOWLEDGE. IF A PERSON IS EQUIPPED WITH THE CORRECT INFORMATION, THEY CAN PLAN PROPERLY AND MAKE THE RIGHT DECISIONS FOR THEIR FAMILIES,. WE GIVE PEOPLE A WAKE-UP CALL. WE HELP PEOPLE UNDERSTAND HOW MONEY WORKS, INFORMATION THAT IS CRUCIAL FOR THEIR FINANCIAL FUTURE. WE SHOW PEOPLE HOW TO INCREASE THEIR CASH FLOW, MANAGE THEIR DEBTS, CREATE EMERGENCY FUND FOR TOUGH TIMES, BUILD LONG-TERM ASSET ACCUMULATION, PROVIDE PROPER PROTECTION FOR THEIR FAMILY AND PRESERVE THEIR ESTATE FOR FUTURE GENERATION. There is really a big need to educate a lot of people to enable them to execute or do proper saving, investing and protection.
Qd. Are you just here to provide assistance with opening an account with your partners?
A. WE EMPOWER. WE WANT PEOPLE TO TAKE CHARGE. WE WANT PEOPLE TO BECOME THEIR OWN FINANCIAL ADVISER. WE ARE HERE TO COACH AND MENTOR BUT THE ACTION AND DECISION COMES FROM THEM. The education does not stop from the moment an account is opened b the client. We go for long term relationship and not just a one time sale.
Q2. Is IMG an investment broker company?
A. NO. IMG IS A DISTRIBUTION COMPANY. We do not handle the funds like an investment company. We broker for the investment companies.
Qa. Are we investing on IMG or their partners?
A. YOU ARE NOT INVESTING IN IMG. YOU ARE INVESTING WITH THE PRODUCT PROVIDERS LIKE THE MUTUAL FUND COMPANIES.
Qi. Will we have our own account with their partners with our full control?
A. YES. YOU WILL HAVE YOUR OWN ACCOUNT WITH THE MUTUAL FUND COMPANIES BECAUSE YOU BECOME THEIR SHAREHOLDER.
Qb. Why should we invest our money with IMG?
A. YOU ARE NOT INVESTING IN IMG
Qc. If we are investing on THE MUTUAL FUND COMPANY
Qi. Who decides where to invest our money?
A. FUND MANAGER
Q1. Do you provide consultations?
A. YES. CONTINUING COACHING AND MENTORING
Qii. Who is accountable to these investment/business decisions?
A. FUND MANAGER. Each company hires an expert or professional investor to manage the investment for the Mutual Fund Company. The Fund Manager is accountable to both the investors and the Mutual Fund Company.
Q1. What happens when the investments fail?
A. MUTUAL FUND COMPANIES ARE HIGHLY REGULATED. THEY HAVE STRICT GUIDELINES ON THEIR INVESTMENTS. YOU CAN GET A COPY OF THEIR PROSPECTUS. But in case they fail, like any investments, we lose our money. This is why we need to educate people what companies to get into to mitigate the risk.
Q2. Do you have insurance to cover for the losses?
A. MUTUAL FUND COMPANIES ARE NOT INSURED THAT'S WHY INVESTING IN MUTUAL FUND INVOLVES RISKS AND WE TELL PEOPLE THAT.
Q3. How much can we get back?
A. BASED ON HISTORICAL DATA USING PHILEQUITY THE #1 MUTUAL FUND COMPANY IN THE PHILS, THE RATE OF RETURN FOR THE LAST 18 YEARS IS ~20% COMPOUNDING ANNUALLY. If it fails and the values goes below your acquisition value, then you simply lose in paper. Actual loss only happens when you liquidate. Your investment. So far no Mutual Fund company had been dissolved.
Qiii. How liquid are these investments?
A. VERY LIQUID. YOU CAN REDEEM WITHIN 3-5 DAYS
Q1. Based on your website, IMG is an “International Marketing Group is one of the few companies of its kind in the industry today - a marketing company”, a marketing company. So basically, you’re marketing/selling these financial services and insurances to us.
Qa. Did these companies/partners paid you or do you have a certain agreement with them to endorse “partners” to us?
A. LATTER, YES. IMG has an agreement with all the companies we are partnered with. Actually, a lot of companies want to partner with IMG as its distribution channel but IMG carefully selects and accredits companies. In much same way, I am sure the companies who partners with us also do their own checking. While our company is marketing financial services, our main mission if to provide financial education to people.
Qi. What does IMG gain from endorsing these “partners” to us?
A. IMG GET COMMISSIONS FROM THESE PRODUCT PROVIDERS. Like any Broker/Dealer, the commissions are split between the agent that made the sale and the team he/she belongs. This is much the same as of a traditional insurance companies that the hierarchy of the organization from the sales agent to the President earns from a sale.
Qii. Does IMG get commissions from a “sell”?
A. YES.
Qb. How can you guarantee that there is no conflict of interest?
A. WHY WILL THERE BE CONFLICT OF INTEREST? IMG ACTS A DISTRIBUTION ARM OF THESE PRODUCT PROVIDERS. WE ARE BUILDING A NEW INDUSTRY IN THE FINANCIAL SERVICES INDUSTRY. IMG IS JUST LIKE SM IN THE FINANCIAL SERVICES INDUSTRY.
Qi. Meaning, are you not just using “financial literacy” as a way to sell?
A. WE DON'T JUST SELL. WE EDUCATE FIRST. THEN PEOPLE DECIDE TO BUY. WE SELL ONLY TO THE PEOPLE WHO WANTS TO BUY BECAUSE THEY NEED IT. We are really changing the way financial services is done. Education first. Making sure the client would know what is best for them and then they make the decision to buy.
Qc. Is the “financial literacy” part a marketing gimmick?
A. THIS IS NOT A MARKETING GIMMICK. THIS IS A MISSION. THIS IS AN ADVOCACY. WE BELIEVE MOST PEOPLE DON'T PLAN TO FAIL. THEY JUST FAIL TO PLAN. THE REASON THEY FAIL TO PLAN IS LACK OF KNOWLEDGE. IF A PERSON IS EQUIPPED WITH THE CORRECT INFORMATION, THEY CAN PLAN PROPERLY AND MAKE THE RIGHT DECISIONS FOR THEIR FAMILIES,. WE GIVE PEOPLE A WAKE-UP CALL. WE HELP PEOPLE UNDERSTAND HOW MONEY WORKS, INFORMATION THAT IS CRUCIAL FOR THEIR FINANCIAL FUTURE. WE SHOW PEOPLE HOW TO INCREASE THEIR CASH FLOW, MANAGE THEIR DEBTS, CREATE EMERGENCY FUND FOR TOUGH TIMES, BUILD LONG-TERM ASSET ACCUMULATION, PROVIDE PROPER PROTECTION FOR THEIR FAMILY AND PRESERVE THEIR ESTATE FOR FUTURE GENERATION. There is really a big need to educate a lot of people to enable them to execute or do proper saving, investing and protection.
Qd. Are you just here to provide assistance with opening an account with your partners?
A. WE EMPOWER. WE WANT PEOPLE TO TAKE CHARGE. WE WANT PEOPLE TO BECOME THEIR OWN FINANCIAL ADVISER. WE ARE HERE TO COACH AND MENTOR BUT THE ACTION AND DECISION COMES FROM THEM. The education does not stop from the moment an account is opened b the client. We go for long term relationship and not just a one time sale.
Q2. Is IMG an investment broker company?
A. NO. IMG IS A DISTRIBUTION COMPANY. We do not handle the funds like an investment company. We broker for the investment companies.
Qa. Are we investing on IMG or their partners?
A. YOU ARE NOT INVESTING IN IMG. YOU ARE INVESTING WITH THE PRODUCT PROVIDERS LIKE THE MUTUAL FUND COMPANIES.
Qi. Will we have our own account with their partners with our full control?
A. YES. YOU WILL HAVE YOUR OWN ACCOUNT WITH THE MUTUAL FUND COMPANIES BECAUSE YOU BECOME THEIR SHAREHOLDER.
Qb. Why should we invest our money with IMG?
A. YOU ARE NOT INVESTING IN IMG
Qc. If we are investing on THE MUTUAL FUND COMPANY
Qi. Who decides where to invest our money?
A. FUND MANAGER
Q1. Do you provide consultations?
A. YES. CONTINUING COACHING AND MENTORING
Qii. Who is accountable to these investment/business decisions?
A. FUND MANAGER. Each company hires an expert or professional investor to manage the investment for the Mutual Fund Company. The Fund Manager is accountable to both the investors and the Mutual Fund Company.
Q1. What happens when the investments fail?
A. MUTUAL FUND COMPANIES ARE HIGHLY REGULATED. THEY HAVE STRICT GUIDELINES ON THEIR INVESTMENTS. YOU CAN GET A COPY OF THEIR PROSPECTUS. But in case they fail, like any investments, we lose our money. This is why we need to educate people what companies to get into to mitigate the risk.
Q2. Do you have insurance to cover for the losses?
A. MUTUAL FUND COMPANIES ARE NOT INSURED THAT'S WHY INVESTING IN MUTUAL FUND INVOLVES RISKS AND WE TELL PEOPLE THAT.
Q3. How much can we get back?
A. BASED ON HISTORICAL DATA USING PHILEQUITY THE #1 MUTUAL FUND COMPANY IN THE PHILS, THE RATE OF RETURN FOR THE LAST 18 YEARS IS ~20% COMPOUNDING ANNUALLY. If it fails and the values goes below your acquisition value, then you simply lose in paper. Actual loss only happens when you liquidate. Your investment. So far no Mutual Fund company had been dissolved.
Qiii. How liquid are these investments?
A. VERY LIQUID. YOU CAN REDEEM WITHIN 3-5 DAYS
Q1. Can we pull out these investments if we do want to?
A.YES
Q2. How much of our investments with all the accumulated interest and profits can we get?
A. BASED ON HISTORICAL DATA USING PHILEQUITY THE #1 MUTUAL FUND COMPANY IN THE PHILS, THE RATE OF RETURN FOR THE LAST 18 YEARS IS ~20% COMPOUNDING ANNUALLY. WHILE PAST PERFORMANCE DOES NOT NECESSARILY PREDICT FUTURE RETURNS, IT CAN TELL YOU HOW VOLATILE (OR STABLE) A FUND HAS BEEN OVER A PERIOD OF TIME.
Q3. How long is the turn over period?
A. THIS IS LONG-TERM INVESTMENT. MUST BE 5 YEARS OR MORE. But, you can define this for yourself based on your personal financial strategy. We recommend you use Mutual Funds investing for goals beyond 5 years.
Q4. Does the market still has influence over our investment on the time we decided to pull it out? Or is the overall value of our investment reflects the market value on the day of the turnover?
A. IT WILL DEPEND ON THE NAVPS (NET ASSET VALUE PER SHARE) WHEN YOU SELL YOUR SHARES. It simply works like investing in stock market.
Q3. Does IMG investment brokers have licenses? Do you provide training that meets industry standards?
A.YES
Q2. How much of our investments with all the accumulated interest and profits can we get?
A. BASED ON HISTORICAL DATA USING PHILEQUITY THE #1 MUTUAL FUND COMPANY IN THE PHILS, THE RATE OF RETURN FOR THE LAST 18 YEARS IS ~20% COMPOUNDING ANNUALLY. WHILE PAST PERFORMANCE DOES NOT NECESSARILY PREDICT FUTURE RETURNS, IT CAN TELL YOU HOW VOLATILE (OR STABLE) A FUND HAS BEEN OVER A PERIOD OF TIME.
Q3. How long is the turn over period?
A. THIS IS LONG-TERM INVESTMENT. MUST BE 5 YEARS OR MORE. But, you can define this for yourself based on your personal financial strategy. We recommend you use Mutual Funds investing for goals beyond 5 years.
Q4. Does the market still has influence over our investment on the time we decided to pull it out? Or is the overall value of our investment reflects the market value on the day of the turnover?
A. IT WILL DEPEND ON THE NAVPS (NET ASSET VALUE PER SHARE) WHEN YOU SELL YOUR SHARES. It simply works like investing in stock market.
Q3. Does IMG investment brokers have licenses? Do you provide training that meets industry standards?
A. WE HAVE UMBRELLA LICENSES
Qa. If I invest with IMG through an IMG broker, what percent goes to the broker? To IMG? To my actual investment?
A. THERE ARE DIFFERENT RATES FOR EACH PRODUCT. ATTEND OUR TRAININGS TO GET THIS. Your investment earns not from your own investment money but from the value appreciation in the market.
Qb. When my investments earns interests/profits, does IMG or the IMG brokers still get commissions?
A. NO. Your broker already earned the commissions on the entry fee. Whatever your investment earns is your earnings to keep.
Qi. If so, how many percent was cut from my earnings?
A. N/A. Simply not applicable. This is not how it works. Your earnings is simply your earnings.
Q4. Why not the top life insurance company Sunlife? Or other top life insurance companies?
A. IMG WANTS YOU TO MAKE THE MOST OF YOUR MONEY SINCE YOU WORK HARD FOR THAT MONEY. SO YOU BUY THE CHEAPEST INSURANCE AND YOU INVEST THE DIFFERENCE YOURSELF SO YOU GET THE HIGHEST RETURN OF YOUR MONEY NOT THESE COMPANIES. THAT'S WHY THEY CAN AFFORD TO ADVERTISE BECAUSE THE COST IS ALSO PASSED ON TO THEIR CLIENTS. WE CAN MAKE COST COMPARISON SO YOU SEE ACTUAL DATA. You can make that decision for yourself. We will show you the information and analysis of different companies and you decide which company you get into. But of course, we respect the viability and strength of the leading companies.
Q5. I was told that Kaiser International was only 9 years old, so why choose Kaiser?
Qa. How can we be sure that Kaiser can deliver on its promises?
A. KAISER IS A PRODUCT OF 2 ACTUARIAL STUDIES (1 AMERICAN, 1 FILIPINO) THAT'S WHY THEY WERE ABLE TO COME UP WITH THE PRECOMPUTED BOOK. YOU CAN ALSO CHECK THE KAISER WEBSITE OR CHECK OUT THIS BLOG - How to Invest in Level 1 Kaiser and FAQs
Qb. Is it a fixed 10% interest gain?
A. NO , MAX YOU CAN GET. The 10% is the projected earning. Based on historical earnings, the 10% projected still holds even if we had experienced the 2008 word financial crisis.
Qc. Does it have presence in other countries?
A. NO, ONLY IN THE PHILIPPINES
Qd. Can I pull out my investments in Kaiser when it profits?
A. YES. ONCE IT MATURES
Qa. If I invest with IMG through an IMG broker, what percent goes to the broker? To IMG? To my actual investment?
A. THERE ARE DIFFERENT RATES FOR EACH PRODUCT. ATTEND OUR TRAININGS TO GET THIS. Your investment earns not from your own investment money but from the value appreciation in the market.
Qb. When my investments earns interests/profits, does IMG or the IMG brokers still get commissions?
A. NO. Your broker already earned the commissions on the entry fee. Whatever your investment earns is your earnings to keep.
Qi. If so, how many percent was cut from my earnings?
A. N/A. Simply not applicable. This is not how it works. Your earnings is simply your earnings.
Q4. Why not the top life insurance company Sunlife? Or other top life insurance companies?
A. IMG WANTS YOU TO MAKE THE MOST OF YOUR MONEY SINCE YOU WORK HARD FOR THAT MONEY. SO YOU BUY THE CHEAPEST INSURANCE AND YOU INVEST THE DIFFERENCE YOURSELF SO YOU GET THE HIGHEST RETURN OF YOUR MONEY NOT THESE COMPANIES. THAT'S WHY THEY CAN AFFORD TO ADVERTISE BECAUSE THE COST IS ALSO PASSED ON TO THEIR CLIENTS. WE CAN MAKE COST COMPARISON SO YOU SEE ACTUAL DATA. You can make that decision for yourself. We will show you the information and analysis of different companies and you decide which company you get into. But of course, we respect the viability and strength of the leading companies.
Q5. I was told that Kaiser International was only 9 years old, so why choose Kaiser?
Qa. How can we be sure that Kaiser can deliver on its promises?
A. KAISER IS A PRODUCT OF 2 ACTUARIAL STUDIES (1 AMERICAN, 1 FILIPINO) THAT'S WHY THEY WERE ABLE TO COME UP WITH THE PRECOMPUTED BOOK. YOU CAN ALSO CHECK THE KAISER WEBSITE OR CHECK OUT THIS BLOG - How to Invest in Level 1 Kaiser and FAQs
Qb. Is it a fixed 10% interest gain?
A. NO , MAX YOU CAN GET. The 10% is the projected earning. Based on historical earnings, the 10% projected still holds even if we had experienced the 2008 word financial crisis.
Qc. Does it have presence in other countries?
A. NO, ONLY IN THE PHILIPPINES
Qd. Can I pull out my investments in Kaiser when it profits?
A. YES. ONCE IT MATURES
Q6. How is it that you have multiple CEO- Marketing Directors? Who heads this company? Can you provide us with your organizational chart?
A. WE ARE BUILDING A NEW INDUSTRY. OUR ORGANIZATION IS NOT THE SAME AS ANY TRADITIONAL BUSINESS. ONCE YOU JOINED IMG, YOU BECOME A BUSINESS OWNER OR INDEPENDENT DISTRIBUTION OUTLET OF IMG. SINCE IT IS YOUR BUSINESS YOU CAN PROMOTE YOURSELF TO THE HIGHEST LEVEL. ATTEND OUR TRAINING SO YOU CAN UNDERSTAND OUR BUSINESS MODEL BETTER. You are confused because we are indeed changing the way financial distribution is being done. We want to provide the best service to families and we want everyone including yourself to be financially free.
A. WE ARE BUILDING A NEW INDUSTRY. OUR ORGANIZATION IS NOT THE SAME AS ANY TRADITIONAL BUSINESS. ONCE YOU JOINED IMG, YOU BECOME A BUSINESS OWNER OR INDEPENDENT DISTRIBUTION OUTLET OF IMG. SINCE IT IS YOUR BUSINESS YOU CAN PROMOTE YOURSELF TO THE HIGHEST LEVEL. ATTEND OUR TRAINING SO YOU CAN UNDERSTAND OUR BUSINESS MODEL BETTER. You are confused because we are indeed changing the way financial distribution is being done. We want to provide the best service to families and we want everyone including yourself to be financially free.
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