vmbs proprietory guide: footprints

F O O T P R I N T S :

YOUR JOURNEY TOWARDS

Home Ownership AND

Financial Independence

What is Financial Independence?

Financial Independence can mean different things to different persons.

Someone who is on their journey towards Financial Independence, has

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7KH�NH\� WR�DFKLHYLQJ�Financial Independence� LV�EHLQJ�GHOLEHUDWH�DERXW�JRDO�setting. This requires you to transform your thoughts, focus all your attention on

your dreams, prioritise your goals, create an action plan, usually with the aid of an

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7KH�9LFWRULD�0XWXDO�*URXS�LV�UHDG\�WR�KHOS�\RX�SODQ�IRU�\RXU�ĺQDQFLDO�JRDOV�DQG�play an integral part in your journey towards Home Ownership and Financial

Independence.

FOOTPRINTS: YOUR JOURNEY TOWARDS HOME OWNERSHIP AND FINANCIAL INDEPENDENCE 1

Independence.

Educate yourself about options for investing

The Financial Planning ProcessLet’s get started on your journey towards Financial Independence��<RX�ĺUVW need

to understand and practice some important principles of Financial Planning.

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J XVWLI\�\RXU�VSHQGLQJ�DQG�XVH�D�EXGJHW�WR�SODQ�IRU�\RXU�H[SHQVHVO pen a rainy day account with 3 to 6 month’s expenses

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Small savings can grow into a large

nest egg over many years

What are Your Financial Goals? Your goals will depend on the things that are important to you at different stages

RI�\RXU�OLIH��%HORZ�DUH�VRPH�RI�WKH�PDMRU�ĺQDQFLDO�JRDOV�WR�ZKLFK�PRVW�SHRSOH�aspire. 6GHBG�FN@KR�VNTKC�XNT�KHJD�SN�VNQJ�NM�@S�SGHR�SHLD��

Contact your Victoria Mutual Financial Advisor if you need assistance to

identify key goals

SAVE FOR CHILDREN’SEDUCATION

INCREASE MY SAVINGSWITH FINANCIAL

SUPPORT FROM OVERSEAS

INCREASE WEALTH

PLAN FOR MYRETIREMENT

SAVE FOR EMERGENCIES

BUY MYOWN HOME

OBTAIN HIGHER EDUCATION

INSURE PROPERTYOR MOTOR VEHICLE

PURCHASEA CAR

TAKE AVACATION

DECREASEDEBT

OPERATEMY OWN BUSINESS


Steps to Goal Achievement ,Q�RUGHU�WR�DFKLHYH�\RXU�JRDOV��ZH�XUJH�\RX�WR�DGRSW�WKH�IROORZLQJ�VWHSV�DV�\RX�VHHN�to make your initial F O O T P R I N T S on the Home Ownership and Financial (MCDODMCDMBD�INTQMDX.

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Try not to use these funds for any purpose other than a real emergency.

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Make saving \RXU�ƂUVW�SULRULW\�

every month


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PLAN FORRETIREMENT

SAVE FOR CHIILDREN’SEDUCATION

STARTAND/OREXPAND ABUSINESS

HIGHEREDUCATION

INCREASE MYSAVINGS WITHFINANCIALSUPPORT FROMOVERSEAS

DECREASEDEBT

TAKE AVACATION

PURCHASEA CAR

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INSUREPROPERTYOR MOTORVEHICLE

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Financial Independence: The Approach $W�9LFWRULD�0XWXDO�ZH�EHOLHYH� WKDW�Home Ownership is the cornerstone of

Financial Independence.

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<RX�PD\�EH�EHWWHU�DEOH�WR�PDQDJH�\RXU expenses in your senior years as you will

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$V�\RX�ZRUN�WRZDUGV�EXLOGLQJ�DVROLG�ĺQDQFLDO�IRXQGDWLRQ�EDVHGon Home Ownership, you will

gain the peace of mind that

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Buying land and building over time is

an option to achievingHome Ownership

What does HOME mean to you?

Now I can relax in the comfort of my home without any interruptions.

Finally I can give my mother and father the home they deserve.

The new furniture was perfect and coordinated well with my décor.

We have the perfect placeto play our games.


Goals should be SSHFLƂF��Measurable, AFKLHYDEOH��Relevant and Time-based

MY OWN SPACE

FUN WITHMY FRIENDS

MY OWNSENSE OF STYLE

MY PROMISEFULFILLED

Avoid using a credit card to pay for things you can’t afford

At last...we have the time to relax and enjoy each other.

To have and to hold today and always!

Sharing our experiences at dinner time is something we look forward to!

My son will never have to worry about where he will raise his children.

What does HOME mean to you?


A PLACE OF LOVE

THE GOOD LIFE

QUALITYFAMILY TIME

A LASTING LEGACY

Your path to Home Ownership (YHU\�ĺUVW�WLPH�SURSHUW\�RZQHU�LV�H[FLWHG�DERXW�LQYHVWLQJ�LQ�WKHLU�ĺUVW�SLHFH�RI�UHDO�HVWDWH��2ZQLQJ�D�KRPH��HVSHFLDOO\�\RXU�ĺUVW��LV�D�ELJ�GHDO��LW�ZLOO�OLNHO\�EH�RQH�RI�WKH�ELJJHVW�LQYHVWPHQWV�\RX�ZLOO�PDNH��7KHUHIRUH��ZKHQ�\RX�DUH�WKLQNLQJ�RI�DFTXLULQJ�D�home, it is wise to seek guidance from the Victoria Mutual Group.

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Look around for the home you desire and consider all the factors that may

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Consider how LQƃDWLRQ�ZLOO�LPSDFW�

your standard of living


Where are you on yourHome Ownership Journey/QNkKD� � PREPARING TO BUY YOUR FIRST HOME

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Product details are

provided on pages 24-27.

GROUP RECOMMENDATIONS

CURRENT SAVINGSTOWARDS HOME DEPOSIT CURRENT INCOME STATUS

Current Income allows you to

qualify for a mortgage

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Current Income DOES NOT allow

you to qualify for a mortgage

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Where are you on yourHome Ownership Journey/QNkKD�!� OWNING YOUR HOME WITH A MORTGAGE

Owning your home is a major accomplishment and at 5HBSNQH@�,TST@K�ZH�FHOHEUDWH�with you at this milestone. If you own a home with a mortgage we know that you may

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YOU CAN SURVIVE ONYOUR SAVINGS FOR ��.%�,.13& &$�1$/ (#

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Where are you on yourHome Ownership Journey/QNkKD�"��USING YOUR DEBT-FREE HOME AS A FINANCIAL FOUNDATION

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YOU CAN SURVIVE ONYOUR SAVINGS FOR INVESTMENT STRATEGY

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They did it, and so can YOU!0DQ\�RI�RXU�0HPEHUV�DQG�FXVWRPHUV�KDYH�H[SHULHQFHG�DQG�FDQ�DWWHVW�WR�KRZ�WKH�Victoria

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/@SQHBJ�2SDQKHMF��/G#��Proud Victoria Mutual Building Society (VMBS) Home Owner

“I was introduced to the VM family about 25 years ago when I started out with my children’s savings. When my wife and I sought to take on a mortgage, we were in our late 20’s, early 30’s. We were looking around for a reputable institution and VMBS was introduced to us as a very strong and experienced institution that would enable us to achieve our goals.

It took a lot of planning, budgeting, managing the household and managing 3 children.

We had our challenges even after getting the mortgage. At one point my position at work was made redundant. I went in to have a discussion with VMBS. They understood what was happening and a period of moratorium was offered. Within two months of engaging that process, I regained employment and I was able to restart my normal mortgage payment before the period of moratorium ended.

When it comes to buying a house or acquiringproperty, or acquiring anything at all, you haveto save. While I had my mortgage, I alsosaved towards upgrading my house and doingrefurbishing work.

I started out with a very good foundationwith VMBS. The goals that my wife and Iset out to accomplish have all been achieved.Within 15 years, I should be retiring and soI’m now putting in place plans to ensure thatVD�G@UD�@�UH@AKD�jM@MBH@K�ETSTQD�@GD@C�NE�TR We will say to anyone seeking a mortgageto try VMBS. VMBS is like family. This iswhere the experience is, this is where theknow-how is, this is where stability andstrength are, in terms of enabling peopleto achieve their objectives for their families.”

know-how is, this is where stability andstrength are, in terms of enabling peopleto achieve their objectives for their families.”

Setting goals establishes the

framework for future success


They did it, and so can YOU!1TAX� MCDQRNM��Secured Financial Future with the help of Victoria Mutual Wealth Management Limited (VM Wealth)

“I’ve been a VM Wealth Client for the past 17 years, but I’ve been a member of VMBS for much KNMFDQ�SG@M�SG@S��G@UHMF�jQRS�INHMDC�@R�@��XD@Q�NKC�EQDRG�NTS�NE�SD@BGDQR��BNKKDFD

Growing up in the country, I was raised to know the value of savings and working hard to achieve whatever I wanted. There was no way I could go to borrow from next door, if I didn’t have something. I learnt to do without until I could get it for myself.

(�RS@QSDC�NTS�HM�SD@BGHMF�@MC�LNUDC�NM�EQNL�SGD�BK@RRQNNL�@MC�ADB@LD�@�BG@QSDQDC�jM@MBH@K�consultant. I established a long and fruitful career in the insurance industry. But I realised that my husband and I wouldn’t be working forever and we couldn’t leave it up to our three sons to take care of us when we retired.

2N�(�VDMS�SN�5,�6D@KSG �(�UD�ADMDjSSDC�EQNL�SGD�RG@QDR�ONQSENKHN��SGD�L@M@FDC�ANMC�ONQSENKHN��FKNA@K�ANMCR�ONQSENKHN��QDONR�@MC�" (�ETMCR �3GDRD�OQNCTBSR�G@UD�QD@KKX�GDKODC�LX�GTRA@MC�@MC�I to not worry about how we’ll survive during our retirement.

One of the things I really appreciated aboutVM Wealth was the fact that they listened tous and they also acknowledged andrespected our knowledge base. We wereable to select what we thought was rightfor us. Then they advised us on whyour selection was good or why weshould choose somethingelse in addition. I knowthat this is a Groupthat can make andhas been making@�RHFMHjB@MSdifference inpeople’s lives.”


Save at least three months’ worth of

expenses for emergencies

They did it, and so can YOU!#TQM�1@HMENQC��2@SHRjDC�!QHSHRG�"@QHAAD@M�(MRTQ@MBD�"NLO@MX�(BCIC) Customer

“I really don’t remember how I got introduced to BCIC but I was with another insurance BNLO@MX�ENQ�@ANTS�@�XD@Q�VGDM�(�FNS�HMSN�@M�@BBHCDMS �(�V@RM�S�R@SHRjDC�VHSG�RNLD�NE�SGDHQ�policies and how the customer service dealt with the accident and so I made the switch to BCIC.

In my over 30 years I’ve never been disappointed and what always impresses me is the professionalism. The insurance agents deal with me with respect. If there’s any problem jM@MBH@KKX��SGDX�B@M�BQD@SD�@�O@BJ@FD�SN�jS�LX�ONBJDS

If I had to do it all over again, I would go back to BCIC and I would encourage everybody to insure with BCIC. In fact I have done that. Recently I introduced my wife’s nephew to BCIC.

If there’s an academy for insurance it starts down at 36 Duke Street, the headquarters of BCIC. And why I say that is because they are very professional. When I go there I am treated with the utmost of respect by everyone starting from the security guard in the parking lot, to the security guard inside and that smile I get from the front desk, I feel so welcomed.

If you’re looking for a good company with which to insure your vehicle go to BCIC. They will VNQJ�VHSG�XNTQ�ATCFDS �!"("�HR�HM�HS�VHSG�XNT�EQNL�RS@QS�SN�jMHRG�@MC�SGDX�@QD�MNS�FNHMF�SN�KD@UD�you on the road. BCIC sell off.”

Use automatic deductions to fund your savings and

investments


Start planning for your goals early and put time on your side

They did it, and so can YOU!'TFG�+@VRNM��Has Peace of Mind in his Retirement Years with the help of Prime Asset Management Limited (Prime)

“You know, I am more of a risk taker than a saver. But yes as far as pension is concerned, through VM’s Prime Asset Management Limited, I’ve had to learn to save. I’ve managed a lot of staff in my lifetime and was very instrumental in assisting the staff at the National Health Fund (NHF), to start a pension scheme. It was a challenge, but a necessary challenge.

Unfortunately I didn’t start to think of retirement until about 15 years ago. What will I do with my retirement? How will I survive? How will my family survive?

I was fortunate I was part of the team which was selecting a service provider to provide ODMRHNM�RDQUHBDR�ENQ�SGD�BNLO@MX�@MC�(�V@R�HLOQDRRDC�AX�/QHLD �3GDHQ�L@M@FDLDMS�3D@L��SGDHQ�QDRONMRHUDMDRR��SGDHQ�OQNEDRRHNM@KHRL�V@R�DWBDKKDMS � MC�MNV�SG@S�(�L�@�ODMRHNMDQ��(�JMNV�VD�L@CD�SGD�QHFGS�BGNHBD��SGD�3D@L�BNMSHMTDR�SN�AD�DWBDKKDMS �

I got my lump sum repayment upon retirement and I getmy pension payment every month. But if one thing hasstood out with the Prime Team it has been how theycommunicate. They have been excellent incommunicating from the very beginning to now.I am still getting correspondence from them.

For someone approaching retirement age, if youdon’t have something in place you’re doing yourfamily a disservice. If you don’t plan for your future,your future will plan for you.

I wouldn’t go with anybody else. Now that I amretired, I am relaxed and comfortable havingchosen VM’s Prime Asset Management Team.”


They did it, and so can YOU!,@QKHMD�2SDOGDMRNM�#@KKX��Proud Victoria Mutual Building Society (VMBS) Home Owner

“I believe I was 25 when I bought land with my huge savings of $10,000 plus a further loan from VMBS. Ever since High School, one of my goals was to own my own home. So when the time came, I chose VMBS. I started building about a year after buying the land. I started building slowly out of pocket. It was taking too long and I was losing too much because I was stopping and starting often as funds ran out. So after clearing my loan for the land I decided SN�ANQQNV�RNLD�LNQD�ETMCR�SN�AQHMF�HS�SN�@�G@AHS@AKD�RS@SD��LNUD�HM�@MC�SGDM�jMHRG

(S�V@R�HMCDDC�CHEjBTKS �(S�LD@MS�PTHSD�@�AHS�NE�R@BQHjBD�ENQ�LD�@MC�LX�GTRA@MC � R�LX�FQ@MMX�would say, "stay on crooked and cut straight". VMBS was there all the way. The staff provided sound advice and helped me to choose wisely. They were very easy to talk to. I got a further loan which was taken out by my mother-in-law whose collateral was of much greater value than the land we bought. I however, had to pay the insurance on the loan so you can imagine what that did to my premiums. But I was strategic and when I could pay a little more I did. I took advantage of the amnesty periods and made arrangements to pay on principal and whittled away the mountain which stood before us. I also ADMDjSDC�EQNL�SGD�SGDM�INHMS�LNQSF@FD�BDQSHjB@SD�OQNFQ@LLD�@MCthe 5% mortgage revolution. That was sweet and part ofthe plan as to how it could be made more affordable.

For those who believe home ownership is out of reachI will say to them what my mother said to me "Is one,one room build house". Dream and design it just theway you want it, be patient, stay focused, be preparedSN�R@BQHjBD �(�SGHMJ�5,!2�JMNVR�SGD�U@KTD�@MC�SGD�INXof owning your own home and are prepared to workwith you to make your dream a reality.”

“Protect your investments with

KHDOWK��FULWLFDO�LOOQHVV�and life insurance”


Resources to help you get started.M�XNTQ�,@QJ��&DS�2DS��&N@Kũ

q7KH�MRXUQH\�RI�D�WKRXVDQG�PLOHV�EHJLQV�ZLWK�D�VLQJOH�VWHSr�DQG�WKDW�QH[W�VWHS�for you is to take action and start the journey.

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3UHSDULQJ�D�PRQWKO\�EXGJHW�LV�DQ�H[FHOOHQW�ZD\�WR�VWDUW��$�EXGJHW�LV�D�VWDWHPHQW�of your income and expenses, which allows you to keep track of your spending,

and plan for future needs.

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At 5HBSNQH@�,TST@K�ZH�KDYH�PDQ\�RQOLQH�UHVRXUFHV�RQ�Home Ownership and

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Defer spending today to create wealth for tomorrow


Resources to help you get startedONLINE RESOURCES

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Keeping track of your weekly expenses is just as important as

having a budget

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Home Ownership Tips

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Resources to help you get startedMONTHLY BUDGET

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A budget gives you control over how you spend your money

Prepare a will to transfer your possessions when you die

Resources to help you get startedHOME OWNERSHIP CHECKLIST

A Home Ownership�&KHFNOLVW�HQVXUHV�WKDW�\RX�FRQVLGHU�DOO�WKH�EDVLF�TXHVWLRQV�WKDW�\RX�QHHG�WR�DQVZHU�DV�\RX�SUHSDUH�WR�EX\�\RXU�ĺUVW�KRPH��+DYLQJ�FKRVHQ�Victoria Mutual to satisfy your mortgage needs, we would like you to complete the

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Resources to help you get started FACTORS TO CONSIDER WHEN PURCHASING YOUR HOME

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Products & Services


Contact us at$V�D�0HPEHU�RI�WKH�9LFWRULD�0XWXDO�IDPLO\��\RX�KDYH�DFFHVV�WR�D�FRPSOHWH��Financial Independence Team, dedicated to helping you on your journey.

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Prime Asset Management www.primepensions.com� � � � �� [email protected]

'R�\RX�RZQ�D�EXVLQHVV�LQ�-DPDLFD�DQG�ZRXOG�OLNH�WR�KHOS�\RXU�HPSOR\HHV�SODQ�for their retirement? Prime Asset Management Limited can create a retirement

planning solution to meet the needs of your company and employees. Prime

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vmbs proprietory guide: footprints

Documents

financial goals

financial mcdodmcdmbdintqmdx

initial f o o t p r

different things

different persons

different stages rirxuolih

overseasincrease wealthplan

savingswith financialsupport