ATTENTION! "More Cost That you Are Using This Lever In your Favor In your Financial Plan!"

 

 

For: Camilo Pinto

Hello:

When a person is in the process of doing his financial plan or there is already implementing his financial plan product of the consultancy of a consultant specializing in this topic, it is very important that he could make use of all those elements that can do that his way not only is easier and rapid, but less painful in the process of doing it.

Namely it is vital to know the most important levers that you can have in his favor!

Some of the most powerful levers that they can use the persons are simple to apply and to understand, but for some reason that I do not know, many persons assume them or do not fall down in the account of making use of them as they should. And the curious of the case is that if they will use them the financial results that they would have might be dramatically different!

Yes he read well, dramatically different!

One of these levers easy of being useful and about which I am going to speak in this bulletin is the lever of the Time. It is possible that you are already said if the same: "Ah, already I know of what it is a question..."

But if you are like 95 % of the persons with whom we interact both like active clients and with subscribers to the bulletin "My Personal Finance", then there is a high possibility that really has not taken conscience of the lever that I am going to explain to him.

It is possible that his case is different, but just in case I invite it to to keep on reading.

Namely I believe firmly that about nothing he serves to "know" something, if it is not ALREADY applying it to improve his financial life.

That's why I me am allowed to suggest him to keep on reading thoroughly because my target is that with this information you achieve to take conscience and could make use of it then for your own benefit.

The lever of the time is tremendously useful when you are interested in forming a capital or investing a money with a specific target and that is excellent from the point of view of his personal finance. This lever helps him to generate the biggest results with the minimal cost and the minor effort.

Does this interesting sound? I bet that if...

I believe that the form more easy to explain this lever of the time to him is by means of an example:

One imagine to three (3) persons, friends of the infancy, born all in the same year, in 1960: Susana, Carolina and Sebastián. Nevertheless, what each of them did with little money that they had extra was completely different.

Let's see:

Susana began investing at the age of 14 the sum of $ 2,000,000 (Two Millions in weight a year - approximately US$875 a year) and there was supported investing this sum insufficiently for 5 years in briefcase that supported profitability average with a valuation annual average of 10 % EA. He decided to leave his money invested up to 45 years.

Carolina began investing at the age of 19 the same sum of $ 2,000,000 (Two millions in weight a year) and it was supported investing this sum insufficiently for 8 years in briefcase that supported profitability average of 10 %. He decided to leave his money invested up to 45 years.

Sebastián began investing at the age of 27 the same sum of $ 2,000,000 (Two millions in weight a year) and he was supported investing this sum insufficiently for 18 years in briefcase that supported profitability average of 10 %. He decided to leave his money invested up to 45 years.

Here there is a summary of what happened with each one:

Three friends meet when they are 45 years to check who managed to accumulate more cardinal and who obtained more utilities.

If he will ask you, for whom would it be his vote?

Let's see that it happened with each one:

Sebastián, invested $ 2,000,000 a year for 18 years for a whole of $ 36,000,000. This laid-down capital produced $ 54,750,000 of yields to him and accumulated $ 90,750,000.

Carolina, he invested $ 2,000,000 a year for 8 years for a whole of $ 16,000,000. This laid-down capital produced $ 113,240,000 of yields to him and accumulated $ 129,240,000.

Susana, invested $ 2,000,000 a year for 5 years for a whole of $ 10,000,000. This laid-down capital produced $ 141,890,000 of yields to him and accumulated $ 151,890,000.

Or that the winner in this example is Susana.

Why?

While Sebastián left his money invested for 18 years and Carolina 26 years, in case of Susana she left his money for 31 years.

If he observes thoroughly it can see that Sebastián and Carolina invested much more cardinal than Susana. Sebastián did it for 18 years and Carolina for 8 years...

As conclusion Susana invested much less than his friends but it left his money invested in MORE TIME! It left that the money was working for her.


(Graphs for courteousness of Skandia Holding of Colombia S.A).

It already knows then the importance of the lever of the Time as fundamental part to optimize his financial planning. The question that I have left for doing to him is:

"Is it already using it?"

And if the answer is not, how long more is he going to wait to make use of it?

Remember that the difference does not consist in having the information but in using it.

For his financial success,

Camilo Pinto
Publisher
Tel.: (571) - 6914692

PD: If he wants to recommend him to a friend to subscribe to the bulletin "My Personal Finance" click.