Saving and Building Your Future

Baguhin na natin ang mind set.

1. Wag gawing emergency fund ang mga magulang

2. Wag natin gawin retirement fund ang mga anak

Mag ipon at paghandaan ang sarili para sa pagtanda.

Randy Lou Pendang

𝗧𝗛𝗘 𝗧𝗥𝗨𝗧𝗛: No, your total savings is NOT being taxed. Only the interest or “tubo” your money earns gets a 20% tax.

Your ₱100,000 is still ₱100,000.
But if it earns ₱6,000 in interest, that’s when the 20% tax applies.

Quick math:
₱6,000 interest × 20% = ₱1,200 tax
You get to keep ₱4,800 of your earnings.

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𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘁𝗵𝗼𝘀𝗲 𝗡𝗢𝗧 𝗔𝗳𝗳𝗲𝗰𝘁𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲 𝟮𝟬% 𝗧𝗮𝘅 (𝗮𝘁 𝗹𝗲𝗮𝘀𝘁, 𝗳𝗼𝗿 𝗻𝗼𝘄):

Cooperative Time Deposits – if you’re a member of a registered coop, your savings might earn dividends tax-free.

Pag-IBIG MP2 Savings – government-backed, 5-year term, tax-free dividends (subject to availability).

Stocks & Mutual Funds – gains here have separate tax rules (e.g. capital gains tax, stock transaction tax), but not the blanket 20% on savings interest.

Digital wallets/investment apps – some fintechs offer savings-like products with varied tax implications (check each one carefully).

Life Insurance with Investment (e.g. VULs) – long-term growth, with built-in life protection, and not taxed like bank deposits.

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So… what now?
You don’t need to pull your money out of the bank.

Diversify: Consider splitting your money across bank, Stock Market, Mutuals Funds, PDF, MP2, coop, investment apps, etc.

Ask questions: Not all "savings" are created equal. Some grow quietly, some are taxed loudly.

“Where else can my money grow better?”
“What other options are safer and smarter?”

Don’t panic—but also, don’t park all your dreams in one taxed bucket.

Let’s talk. Let’s learn. Let’s grow.
Here —we break down big changes in real talk.

Just message me for more details:

Wait lang ha, matagal na pong may 20% tax on deposits for Savings Accounts sa bangko. Yung may bagong tax, yung mga naka 5 yr+ Time Deposit at USD Account ang pinatawan ng bagong TAX.

If mag Time Deposit ka lang din man, e invest mo nalang yan sa other vehicles like Digital banks, Premium Deposit Fund, Mutual Funds - bond fund or equity fund, etc. Kung ang main purpose mo naman pala ay tumubo ang iyong pera over the years.

Bank is only good for emergency fund & business transactions, not for growing your money.

Yan po ang mga bagay na tinuturo namin dito sa IMG.

If you want to learn more.
Attend our Financial Class para maturuan kita 😊

Credits to Dave Vallejos

Break the cycle!


Randy Perez Pendang
Tressa Salarza Pendang

Bakit nga ba maganda magkaroon ng Kaiser 3 in 1 Investment Product ang bawat miyembro ng pamilya lalo na yung mga Bread winner?

📌Kapag hindi ka na employed at binawi na nung dati mong employer yung shorterm HMO mo, hindi ka magwoworry kung maospital ka.

📌Kapag hindi mo nagamit ang annual health care coverage mo hindi sya naeexpire unlike short-term health care (HMO) na no refund ang premiums magamit muman or hindi. Sa Kaiser marereceive mo ang guaranteed Long-term care bonus (cash) sa maturity.

📌May kasama na syang life insurance for income replacement or protection para sa family just in case may nangyari sa policy holder.

📌Waived na ang payment kung may nangyari sa policy holder, means wala ng babayaran ang family kahit 1 year palang nakakainvest ang policy holder, ma transfer pa ang health care coverage sa beneficiary.

📌Nakainvest sa mutual fund ang health fund kaya nag-eearn sya ng 10% rate of returns at may variable earning pa depende sa performance ng stock market.

📌Good as cash sya pagdating ng maturity, So pwede kang mag-withdraw gamit ang iyong visa card. Hanggat may fund ang account mo, patuloy lang ang pag-earn ng 10% rate of returns (compounded) annually.

📌Covered ka kahit beyond 60 years old ka na, as long as buhay kapa.

📌Maari kang magkaroon nito sa halagang P88(depends on age) a day mas mahal pa ang 1pc chicken joy na may drinks & fries

👍🏻Sinu ang pwedeng maka avail nito?

Lahat ng nasa 10-60 years old mayaman man o mahirap. Nasa ibang bansa ka man or nandito sa Pilipinas covered ka ni KAISER!
If you really love your family at ayaw mong maging burden sa kanila either you die too soon or you live too long.

Get Kaiser 3 in 1 ,(Longterm Healthcare, Life Insurance +
Investment) as early as you can, "mas daig ng maagap ang masipag"

MESSAGE ME FOR FREE QUOTATION for your and your Family!

Wait, Bat ka magbabayad ng Mahal for 1 Million Insurance?
Napaka FLEXIBLE talaga ng M.O.S.T. 18 (Multiple Option Super Term).

It can cater for our:
✔️Retirement
✔️Pension
✔️Educational Fund
✔️Target Savings
✔️Target Amount

Ang ganda rin ng features ng UNBUNDLED - TERM INSURANCE with SEPARATE PDF (Premium Deposit Fund):
🔹Low Cost!
🔹No Loan Charge
🔹No Lapsed Feature
🔹The PDF is Guaranteed not to go Nagative!
🔹The Death Benefit cover both Insurance + PDF (Savings)
May Benefits din na:
🔷Critical Illness Rider
🔷Terminal Illness Rider
🔷Total and Permanent Disability Rider
🔷Accidental Death Benefit Rider
🔷Payor’s Death & Disability Benefit

Very important talaga na ALAM natin and NAIINTINDIHAN ang mga financial products that we avail.
This MOST18 is one of the best financial products that I availed.
Message us for more details.🤝

Why Kaiser Long Term Care is the best healthcare for you and your family? Because it's a 3 in 1 plan: 1. Healthcare - can be used when sick so no fear of hospital bills. 2. Insurance - money will be left to the family of a Kaiser member in case something happens to him. 3. Investment - money that you can rely on when you are old, the interest of the investment comes from so you don't need to depend on anyone. At Kaiser Long Term Care we have Peace of Mind! - Affordable premium depending on age - Flexible payment terms (Annual, Semi-Annual, Quarterly, Monthly, Spot Cash) - You will only save for 7 years but you will be protected until you get old. - The savings grow more if it can't be used for hospitalization while there is HMO benefit in the company. - No matter where we are in the world, we can get Kaiser Long Term Care! Note: Ages 10 to 60 can get Kaiser Long Term Care. Recommended Plan: K100 and Up "Take care of Kaiser, Take care of your family".

Kailan ba dapat mag simula sa HMO or Healthcare.

1. Habang Bata
2. Habang may trabaho
3. Habang wala ka pa sakit

Dahil kapag ma tanda ka na, mahal na at worst scenario baka di ka na tanggapin. Especially kapag more than 60 years old ka na.

Dahil kapag wala ka na trabaho, paano mo ito mababayaran o matatapos.

Dahil kapag nasa ospital ka na at nagkakasakit ka na, mahirap na makakuha ng tamang Healthcare para sa iyo.

Start now!

Maraming nagsasabi, bakit ka ba nag join sa IMG? Baka scam yan?

Sabi ko naman, if these big companies put their names and trusted IMG, why wouldn't I?

When other companies teaches you how to spend and get into debts. IMG teaches you how to become your own money manager, to value your hard-earned money by saving and investing, how to have proper protection for yourself and for your family, and most of all teaches you how to become a blessing by sharing the gift of financial literacy not only to your family and friends but also to all the people around you.

Cto-

IMG