1. The Sales Presentation

2. Things you thought you knew about financial planning…..

3. Myth Risk is bad Not necessarily. One must bear in mind that, the greater the risk, the greater the expected potential return

4. Myth Nobody likes risk Everybody has a different risk tolerance Some are risk averse while others could be risk loving

5. What is your risk tolerance level? (Risk Profiler)

6. The key factors that influence your risk profile: Financial goals Time Horizon Liquidity Risk Tolerance Existing portfolio Environmental Factors

7. Myth The market is always slow to recover after a crisis Despite major global crises, markets have tended to recover fairly quickly and rebound to even greater heights

8. GDP ( Gross Domestic Product) A measure of the rate of consumption, investments, exports, imports produced and consumed locally Inflation The persistent increase in the price levels of goods and services

9. Philippine Statistics Source: National Statistics Office (NSO) and Banko Sentral ng Pilipinas

10. Source: National Statistics Office (NSO) and Banko Sentral ng Pilipinas Philippine Statistics

11. Money is but how you use it.

12. An investment with a life insurance component

13. Gives you... Protection Diversification Flexibility Professional Management Low minimum investment

14. Protection Security of a life insurance policy on top of the opportunity to gain higher investment returns Comprehensive coverage through supplementary benefits (additional life cover, critical illness, accident)

15. If you are a CAUTIOUS to MODERATELY CAUTIOUS investor…

16. Diversification Prulink Bond Fund - a fund denominated in Philippine pesos and invested in fixed income securities and money market instruments T-bills and T-notes Gov’t and Corporate Bonds

17. If you are a MODERATELY ADVENTUROUS to ADVENTUROUS investor…

18. Diversification Prulink Managed Fund - a fund denominated in Philippine pesos and invested in an optimal mix of cash, bonds and local equities Fixed income securities and money market Selected equities

19. Flexibility S elect from various premium payment options V ary insurance coverage as your insurance needs change V ary premiums to suit your financial situations M ake top-ups to your policy S witch between underlying Prulink funds as your investment objectives change W ithdraw money from your policy to meet emergency needs

20. Professional Management PPM Asia E xtensive investment expertise and resources regionally and globally R igorous team-based process - fund performance not in the hands of one or two managers S uccessful, sound and proven value in investment philosophy and process

21. Investment Professionals Regional Directors Qualification Years of Experience Colin QuekCFA,MBA15 Michael LimCFA, MBA15 Nick ScotAIIMR, B.A14 Kelvin BlacklockAIIMR, B.Sc11 David PerrettBSc, MSc(Econ)11 Vaughn ChangMSc, MBA11 Ashish GoyalCFA, MBA 9 David CheungCFA, MA 8 Victoria CheukCPA, B.Sc 7 Joshua CrabbB.Com 6 Kanna VenkataramiCFA, MBA 6 Chow Wing KinCFA, B.Bus 5 Joanna OngCFA, B.Acc 5 Nazri MuhammadB.Com 3 Peggy LimCFA, B.Bus 2 Milton LowB.Bus 1 Average years of experience 8 years Investment Professionals Asia

22. Low Minimum Investment Php 50,000 for single premium Php 12,000/annum for regular premium

23. *Refers to the Yield of policyholder and not the sales illustration rate **Possible rates of Return. Actual rates may be higher or lower

24. PAA vs. Bank Deposits

25. Myth Investment is all about “buy low, sell high” Even for professional fund managers, it is not always possible to stick to the maxim of “buy low, sell high”. Thus, the strategy of peso-cost averaging

26. Cost Averaging Means regular investments into a fund so that you effectively buy more units when the price is low and less when it is high. The benefit is that the overall cost is lower than if you had only invested a lump sum of money all at one time.

29. Cost Averaging Means regular investments into a fund so that you effectively buy more units when the price is low and less when it is high. The benefit is that the overall cost is lower than if you had only invested a lump sum of money all at one time.

30. It is wise to invest on a regular basis ! The Conclusion...

31. For Education….

32. Age =0 Sum Assured = 1,000,000 Educational Fund

33. For Retirement...

34. Age =0 Sum Assured = 1,000,000 Educational Fund Age =40 Sum Assured = 1,000,000 Retirement Fund

35. PAA vs. Bank Deposits Young Adult Young Couple with Children Couple Preparing for Retirement Minimum Protection Moderate to Maximum Investment Moderate Protection, Moderate to Maximum Investment Maximum Protection, Moderate to Maximum Investment for Education Moderate Protection, Maximum Investment for Retirement