Financial Stability Financial Freedom

27/09/2025

The Philippine Stock Market isn’t enough anymore!

If you only invest in the Philippines, you’re missing out on global growth.
• S&P 500 (Apple, Microsoft, Amazon, Nvidia) grew +228% in the last decade.
• MSCI ACWI (Nestlé, Johnson & Johnson, Samsung, Toyota) rose +160%.
• PSEi actually shrank -13.5%.

₱100,000 ten years ago would now be:
• ₱86,500 in the PSEi
• ₱327,600 in the S&P 500
• ₱262,970 in the MSCI ACWI

The Philippines should stay in your portfolio, but to truly grow, it’s time to go global.

The solution? Invest globally with Rampver Online:

Start with as little as ₱1,000 in peso-denominated feeder funds managed by ATRAM, BPI Wealth, and Sun Life, no dollar account needed.

Global Fund Options in Rampver Online:

1️⃣ BPI US Equity Index Feeder Fund – Mirrors the S&P 500.
(Top holdings: Apple, Microsoft, Amazon, Nvidia, Alphabet)

2️⃣ ATRAM Global Technology Feeder Fund – Focuses on AI, semiconductors, cloud, and software.
(Top holdings: Microsoft, Apple, Nvidia, Broadcom, Alphabet)

3️⃣ ALFM Global Multi-Asset Income Fund – Diversified mix of stocks, bonds, REITs, and alternatives for growth + steady income.
(Top holdings: Microsoft, Apple, Meta, includes bonds, REITs, and other income-generating assets)

4️⃣ Sun Life Prosperity World Equity Index Feeder Fund – Tracks the MSCI ACWI for broad global exposure.
(Top holdings: Microsoft, Apple, Nvidia, Amazon, TSMC)

Sign up for your free Rampver Online today! go.rampver.com/signup

26/09/2025

When you say NO, I reply a simple 😊coz you are saying NO to yourself and not to me.

When you say WAIT, you are saying WAIT to your dreams and not to me.

When you IGNORE, you are ignoring an opportunity that can help your finances, not me.

When you say LATER, you are saying LATER to a better financial life, not to me.

When you say Pasenysa kana, say it to yourself. Because, What we share will benefit you more, not us.

Financial Advocate Lesly Inosante, AFP®️

Join IMG Community now!
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What a historic moment to end the IMG GX Champions Summit 2025! ✨🏆

Standing together on one stage—the Master Builders of the financial industry, Coach Xuan Nguyen, and Alicia Nguyen—a powerful reminder that leadership, unity, and vision are what drive this campaign forward.

This is more than just a photo. It’s a symbol of what we can achieve when we rise together, build together, and keep pushing the mission forward.

The journey doesn’t end here—it only grows bigger, stronger, and bolder from today. Together, let’s continue transforming spenders into savers with our financial literacy campaign! 🌟

Disclaimer:
The appropriation of the official posts of the Company outside of the official accounts of the International Marketing Group is strictly prohibited. The sharing and/or otherwise unauthorized dissemination of the official posts of the International Marketing Group are considered violations of the intellectual property rights of the company. The International Marketing Group reserves the right to take legal action against those who violate our intellectual property rights including seeking redress for damages in the proper courts of the Philippines.

25/09/2025

🚨 JUST IN! 🚨Congratulation for choosing kaiser

We are thrilled to announce that Kaiser Healthgroup has been officially selected as the Health Maintenance Organization (HMO) provider for the Office of the Vice President Employees Association (OVPEA)! 🇵🇭

🖋️ The Memorandum of Agreement (MOA) was formally signed today, marking the start of a meaningful partnership focused on delivering accessible, high-quality, and compassionate healthcare to the hardworking team at the OVP.

Here’s to healthier tomorrows, built together!

A heartfelt congratulations to Coaches Cecilla and Coach Chona for this incredible achievement! 👏👏



📸 Photo credits: Coach Cecilla Manuel

16/04/2025

Vote for

Ipinapakita nito na kayang-kaya ng Pilipinas magpatupad ng libreng serbisyong medikal para sa lahat. Ito ang ipinaglalaban ng #152 HealPH—

✅Health Card para sa mga Pilipino - Sinisiguradong may access ng serbisyong medikal ang mga Pilipinong nangangailan.
✅Mabisang Government Hospitals - Modernong Facilities, Makabagong technology at mabisang patient care.
✅Mas-Malaki at Transparent na Budget ng Healthcare - Tamang pondo para sa pampublikong healthcare.

IMG CAMPAIGNERS FOR HEALPH

23/05/2024

Worth of saving for the better future.!

Save your future self, protect your future.

30/03/2024

Kung ikaw ay 30 years old ngayon, posibleng magkaroon ng P3.02 Million at age 60. Pag-ipunan lang ang iyong Ultimate Kaiser Health Builder (Long Term Healthcare) Plan ng P5,882 sa loob ng 7 taon.

Ultimate Kaiser is a 3 in 1 Savings Plan. It has Healthcare, Life Insurance & Investment.

How it works?
- The Health Care Benefit can be used lifetime.
-85% return of premium upon maturity of the plan if there is no -utilization of health benefit during the paying period.
- Life Insurance or Instant Money will be given to the beneficiary in case the plan holder dies too soon.
- Waiver of Installment due to Death. No need for the beneficiary to continue paying the unpaid installments. And the plan will be transferred to the primary beneficiary.
- Unused health fund are invested
- On the maturity date, it is GOOD AS CASH with option to withdraw full or partial.

Who can avail this Kaiser Health Builder (long term care) Plan?
This is for individuals ages 10 to 60 years old only.

Protect yourself and your family, start your Kaiser 3-in-1 long term healthcare plan now!

Apply Now!

21/02/2024

Ang dami nating pwede matutunan sa IMG pero isa ito 👇to secure your future...

Pitong taon ka lang mag-iipon. Parang binabayaran mo lang ang sarili mo. At habang nagbabayad ka, may HMO ka for 7 Years. May Term
Insurance sa loob ng 20 years at retirement money kapag nagmature na ang policy mo.

Ang ganda di ba? KAISER is like no other.
HMO po ito ha, hindi Insurance. Magkaiba kase ‘yon!

Scenario 1: Nagkasakit ka at naospital. Hindi mo pwede sabihin sa Ospital o Doctor na meron po ako “Life Insurance" kase po hindi iyon tatanggapin sa Ospital. Pag na-ospital ka, maglalabas ka pa rin ng pera.

Scenario 2: Nagkasakit ka at Naospital (Not Pre-existing), then may KAISER HMO ka. Pwede mo sabihin sa Ospital o Doctor na, meron po akong KAISER. Tatanggapin yon at itatanong lang sa’yo ano po ang policy number niyo?

That is the difference. Hindi ka mangangamba kase may HMO o Healthcard ka. Healthcard na may Term Insurance at Investment.

122818tw.imgcorp.com/quote/kaiser

30/01/2024

Hindi mo malalaman ang halaga ng healthcare hanggang hindi mo naeexperience na ang mahal magkasakit at magpagamot. 😞
Bigyan mo ng pansin ang healthcare.Be prepared.

What if we expire too soon?
What if we get sick?
What if we live too long?

Ask me about KAISER. 🙂



Ctto

22/01/2024

Ang Kalusugan ay Kayamanan at dapat pahalagahan. Kaya habang bata ka at may trabaho dapat unahin mo muna yong healthcare.

Kasi kahit gaano kadami yong ipon mo, mga na ipundar mo tulad ng Bahay, lupa, sasakyan at Madami pang iba. " One major illness all your investment will crashing down."

Unahin mo yong healthcare to protect your wealth. Kaya save ang invest in the right way. Kasi pag nagka sakit yong Tao lahat ng na ipundar mo, ebenta mo yan kahit sa mababang halaga. Para may ipagamot ka lang at gumaling sa sakit.

Attend our FREE Financial Coaching program via zoom. Send messages for details.

https://122818tw.imgcorp.com/linkbio

14/01/2024

💖Para sa mga nagtatanong about Mutual Funds. I hope mkatulong po sa inyo.

ADVANTAGES OF MUTUAL FUNDS

💖1. Low Initial Invesment
- It takes only P1,000 to start in MF investing. After that, you can invest P500 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 get your cash easily if you need it. Mutual fund shares can be sold ( redeemed ) and collected within seven days at the prevailing NAVPS.

6. No more tax and additional charges
- Mutual funds invest in stock and securities that are already subject to final withholding tax. Therfore, investors in MF are no longer subject to tax.

7. Regulated by the Securities & Exchange Commission.


👉122818tw.imgcorp.com

17/10/2023

DON'T LET SURPRISE MEDICAL BILLS DRAIN YOUR RETIREMENT
“The number one reason for bankruptcy is actually medically related, So, if you’re not preparing, you could be putting yourself in a disastrous situation of having to use credit card debt, even go into your retirement plan.”

KAISER INTERNATIONAL HEALTHGROUP
Accredited ng Department of Health (DOH) at Insurance Commission (IC).

Registered sa Security and Exchange Commission (SEC) as healthcare provider na may authorized capital stock of P160M

7 - 13 - 20

* 7 Years Saving Period *
Healthcare Benefits during Saving Period
+ Annual Physical Examination
+ Annual Dental Benefits
+ Basic Medical Benefits
+ Annual Hospital Benefit Limit
+ Choice of Room & Board
x Pre-Existing condition not covered

* 13 Years Compounding / Extended Period *
Features during Compounding Period
+ Use of Healthcare Benefits will be refunded on Healthcare Fund
+ 10% of K-Plan as Annual Health Benefit Compound at 10% p.a.
+ Annual Health Benefit Bonus (Dividend , estimate 6 -10% p.a)
+ Long Term Care Return = “K-Plan” (upon Maturity)
+ Long Term Care Bonus (85% Money Back upon Maturity)
+ Receive VISA Card after full payment
+ Pre – existing condition covered

* 20 Years Insurance Benefits *
+ Term Life Insurance
+ Accidental Death & Dismemberment
+ Waiver of membership due to Death
+ Waiver of membership due to Disability

Your PhilHealth benefits is Integrated with Kaiser
~ Once admitted, you will be advised to file your PHILHEALTH
REIMBURSEMENT FORM.
~ The PhilHealth reimbursement due shall de deducted from the total hospital bills
~ Kaiser members without PhilHealth membership, shall shoulder and pay the corresponding portion of PhilHealth
~ PhilHealth portion is tentative amount and will depend on illness covered.

K A I S E R H E A L T H C A R E P L A N
122818tw.imgcorp.com/quote/kaiser

* KAISER K - 45 *
P 2,647 / month for 7 years | P 26,470 / year for 7 years
P 524,776 estimate Healthcare Fund upon Maturity (20th Year)

* KAISER K - 60 *
P 3,529 / month for 7 years | P 35,290 / year for 7 years
P 699,701 estimate Healthcare Fund upon Maturity (20th Year)

* KAISER K - 75 *
P 4,412 / month for 7 years | P 44,120 / year for 7 years
P 874,626 estimate Healthcare Fund upon Maturity (20th Year)

* KAISER K - 100 *
P 5,882 / month for 7 years | P 58,820 / year for 7 years
P 1,166,168 estimate Healthcare Fund upon Maturity (20th Year)

For more information about Ultimate Kaiser Health Builder:
Email: [email protected]
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06/10/2023

Invest in the country's BIGGEST BRANDS!

For as low as ₱1,000, you can participate in the earnings potential of the largest companies in the Philippines such as SM, Globe, Ayala Land, Meralco, BPI, BDO, Jollibee, and many more!

Be Financially Educated and Start Building your Future Stability while you are still young..

Learn more here: https://go.rampver.com/Zwq4

more infos.:
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