1. 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.
a. Did these companies/partners paid you or do you have a certain agreement with them to endorse “partners” to us? LATTER, YES
i. What does IMG gain from endorsing these “partners” to us? IMG GET COMMISSIONS FROM THESE PRODUCT PROVIDERS
ii. Does IMG get commissions from a “sell”? YES
b. How can you guarantee that there is no conflict of interest?
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
i. Meaning, are you not just using “financial literacy” as a way to sell? 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
c. Is the “financial literacy” part a marketing gimmick?
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 WTH 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.
d. Are you just here to provide assistance with opening an account with your partners?
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.
2. Is IMG an investment broker company? NO. IMG IS A DISTRIBUTION COMPANY
a. Are we investing on IMG or their partners? YOU ARE NOT INVESTING IN IMG. YOU ARE INVESTING WITH THE PRODUCT PROVIDERS LIKE THE MUTUAL FUND COMPANIES
i. Will we have our own account with their partners with our full control? YES. YOU WILL HAVE YOUR OWN ACCOUNT WITH THE MUTUAL FUND COMPANIES COZ YOU BECOME THEIR SHAREHOLDER
b. Why should we invest our money with IMG? YOU ARE NOT INVESTING IN IMG
c. If we are investing on THE MUTUAL FUND COMPANY
i. Who decides where to invest our money? FUND MANAGER
1. Do you provide consultations? YES. CONTINUING COACHING AND MENTORING
ii. Who is accountable to these investment/business decisions? FUND MANAGER
1. What happens when the investments fail? MUTUAL FUND COMPANIES ARE HIGHLY REGULATED. THEY HAVE STRICT GUIDELINES ON THEIR INVESTMENTS. YOU CAN GET A COPY OF THEIR PROSPECTUS
2. Do you have insurance to cover for the losses? MUTUAL FUND COMPANIES ARE NOT INSURED THAT’S WHY INVESTING IN MUTUAL FUND HAS RISKS AND WE TELL PEOPLE THAT.
3. How much can we get back? 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.
iii. How liquid are these investments? VERY LIQUID. YOU CAN REDEEM WITHIN 3-5 DAYS
1. Can we pull out these investments if we do want to? YES
2. How much of our investments with all the accumulated interest and profits can we get? 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. BUT WE DON’T GUARANTEE PAST PERFORMANCE.
3. How long is the turn over period? THIS IS LONG-TERM INVESTMENT. MUST BE 5 YEARS OR MORE
4. 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? IT WILL DEPENDS ON THE NAVPS (NET ASSET VALUE PER SHARE) WHEN YOU SELL YOUR SHARES
3. Does IMG investment brokers have licenses? Do you provide training that meets industry standards? WE HAVE UMBRELLA LICENSES
a. If I invest with IMG through an IMG broker, what percent goes to the broker? To IMG? To my actual investment? THERE ARE DIFFERENT RATES FOR EACH PRODUCT. ATTEND OUR TRAININGS TO GET THIS.
b. When my investments earns interests/profits, does IMG or the IMG brokers still get commissions? NO
i. If so, how many percent was cut from my earnings? N/A
4. Why not the top life insurance company Sunlife? Or other top life insurance companies?
IMG WANTS YOU TO MAKE THE MOST OF YOUR MONEY SINCE YOU WORK HARD FOR THAT MONEY. SO BUY THE CHEAPEST INSURANCE AND YOU INVEST THE DIFFERENCE YOURSELF. 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. ALSO IT WILL BE BEST TO DIVERSIFY…
5. I was told that Kaiser International was only 9 years old, so why choose Kaiser?
a. How can we be sure that Kaiser can deliver on its promises? 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 – http://invested101.com/2014/03/07/how-to-invest-in-level-1-kaiser-and-faqs/
i. Isn’t it too good to be true? IT’S FEASIBLE COZ IT’S BASED ON MATHEMATICAL STUDIES.
b. Is it a fixed 10% interest gain? YES, MAX YOU CAN GET.
c. Does it have presence in other countries? NO, ONLY IN THE PHILIPPINES
d. Can I pull out my investments in Kaiser when it profits? YES. ONCE IT MATURES
6. Everything seems like too good to be true. What are the downsides or worst case scenarios with regards with these investments? FINANCIAL EDUCATION IS KEY. THAT’S WHY WE PROVIDE FINANCIAL LITERACY FIRST SO YOU KNOW WHAT YOU’RE DOING..AT THE END OF THE DAY, THE DECISION IS YOURS
7. Your organization is very confusing and inconsistent to me. How is it that you have multiple CEO- Marketing Directors? Who heads this company? Can you provide us with your organizational chart? 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 UNDERSTAND OUR BUSINESS MODEL BETTER.