Sometimes You Can't Help But Make Money from Stock Markets...
We're Near Those Times Now
(Please do not forward this email to anyone.)

Dear Reader,

Sometimes in life, you can't help but make money...

If you were an investor in dot com stocks in 1999 or real estate stocks in 2007, you couldn't help but make money.

Just buy any stock or mutual fund, and make a lot of money by selling it after a few months.

Easy, isn't it?

See, one of the best money-making lessons you can learn in life is this...

There are times when you'll make a fortune from simply existing - just being in the right place at the right time (like dot com stocks in 1999 or real estate in 2007).

And there are other times in life when, no matter how hard you work, no matter what you do, you won't make any money. You're doing the wrong thing at the wrong time (like real estate and the dot coms after they busted in 2000 and 2008 respectively).

The first key is to recognize those good moments - the moments when you can't help but make money - and capitalize on them.

The second key is to 'know' that those moments 'will' end. Know that day-trading, or whatever-is-next-big-thing...it won't last forever.

The year 2011 was one of those times in the markets where, no matter what you do, you're not going to make any money...

Stocks were down. And so with them were your equity mutual funds.

But with the year 2012 coming in, the time seems to be changed.

There has been a money making opportunity, as we have already seen a gain of over 15% this year in just less than 3 months, and this reminds us of 2009 like scenario.

Back in March 2009, people thought the world was coming to an end. But then, no matter what investments you bought in March 2009, chances are, you doubled your money within two years.

We believe...we may see a repetition of March 2009, where no matter what you do, you'll make money.

If you give us just the next 5 minutes of your time, we'll tell you a simple way you can capitalize on this moment and prepare to make money from India's best and safest mutual funds over the next 2-3 years.

"You want me to buy more mutual funds, when I have seen enough volatility and I'm already sitting on losses that I made in last year?" you may be wondering.

Your concern is for real, dear investor.

It really takes guts to think straight when markets are uncertain, and invest in the right mutual funds.

But let us tell you one fact.

It is such trying times that lay the ground for success in mutual fund investing.

It is such times that lay the ground for a period when, no matter what you do, you're going to make a lot of money.

But before that, let us tell you that...
Your Chance to Make Money from Mutual Funds...
...Starts Right Now
See, it's no secret that the uncertainty and volatility we are seeing in the markets even now is completely unheard of.

Triple digit swings in the market now happen in mere hours...rather than months or years.

Simply turn on the TV and the mainstream press is screaming about it.

But here's what they're not telling you...

While the crazy markets may have sent the run-of-the-mill investors crying in despair, savvy investors are using the uncertainty to ring the register like never before!

You see, uncertainty is a sensible investor's best friend.

It is in times like these when the world's most successful investor Warren Buffett will tell you...

"I will tell you how to become rich. Close the doors. Be fearful when others are greedy..."

And this is exactly what we will suggest you right now.

Yes, we know it's awful difficult to keep a calm head when you have seen your investments falling like nine-pins.

After all, things have gotten really uncertain out there.

But if you have the guts to take on this uncertainty head on, and want to know about the right kind of mutual funds that will help you do that, let us reveal to you one service that can help you do that...
'FundSelect'
Your 'Personal' Mutual Fund Advisor
FundSelect is more than 8 year old service from PersonalFN, a leading Mutual fund research and Financial planning advisory firm.

The aim of this service is to identify the 'right' mutual funds that meet your long term financial goals. And that's not all, we also recommend the funds you must avoid at all cost (and there are many of these around right now).

In all, we make 52 recommendations in a year through FundSelect (one per week), inclusive of both kind of funds - the ones you must invest in, and the ones you must avoid.

Now you might ask - "Why should I trust you? Aren't you same as other financial advisors who've advised me the wrong kind of funds that have caused me big losses in the current stock market crash?"

We can understand your fear.

And that's why let us tell you that we at PersonalFN have never recommended 'any' mutual fund for commissions, like most financial advisors would do (and thus recommend you funds that earn them the maximum commissions).

Instead, we have always recommended the 'right' mutual funds that fit our subscribers' long term investment needs.

But you don't have to take our word for that!

Read what some of our long term believers have to say about the quality and trustworthiness of our services.
"I was reviewing my portfolio today. I am happy to note that all my investments have outperformed market both in down as well as up market condition. The recommendations of PersonalFN are unbiased and generally have a long term views suitable for common investor like me.

"When I look back, the timely advise and assurances of PFN, quite contrary to experts on TV during the last years downturn not only saved me from huge loss, it helped to maximise my return in the cycle. I once again thank you all in PersonalFN for educating common investors and unbiased advice."

- Anup Kumar Guru, Mumbai


"With their unbiased research and personalized financial planning, PersonalFN helped me overcome the fear of investing into mutual funds. I think I have become an informed investor, thanks to the easy-to-understand literature and research articles that PersonalFN publishes and their friendly staff who never pressurize a customer into anything."

- Srinivasa Rao, Bengaluru


This last testimonial always cheers us up!

Nothing makes us happier than seeing our subscribers satisfied with the way we approach them (and not pressurize them into anything like most advisors would do) with the right and timely recommendation on mutual funds.
But Then, You May Ask...
"What's Your Track Record?"
We're just coming to that.

You see, trust in an investment advice has a direct correlation with the past performance of the advisor.

And FundSelect won't disappoint you on that front.

See here. This is how the large-cap mutual funds recommended through FundSelect have performed vis-à-vis the overall large-cap mutual fund category...
Source:ACE MF and PersonalFN Research
And here's the comparison of performance of mid-cap funds recommended through FundSelect vis-à-vis the overall mid-cap mutual fund category...
Source:ACE MF and PersonalFN Research
Even in the aggressive category, our recommended mid cap category funds have distinctly outperformed the category average and their benchmark indices over the past 5 years.

And for ELSS...
Source:ACE MF and PersonalFN Research
Some of our recommended funds have provided investors with the tax saving benefit U/S 80C and also provided them with superior gains in the past. Our recommended ELSS (Equity Linked Saving Schemes) have distinctly outperformed the category average and broader market indices over the past 5 years.

That's not all. Here's the performance comparison for the balanced funds category...
Source:ACE MF and PersonalFN Research
We believe that mutual funds do not always perform with their aggressive management style but they can outperform with a conservative style as well. Some of our recommended Balanced Funds have provided investors with superior gains in the past. Our recommended Balanced Funds have distinctly outperformed the category average and its benchmark Crisil Balanced Fund index over the past 5 years.

Like what you just saw?

Okay, let us be even more specific, and take you through some specific mutual fund recommendations that have done wonders for our subscribers' portfolio over the past few years.

Like our recommendation of the HDFC Top 200 Fund in August 2003. Since our recommendation, this fund has multiplied money for investors almost 10.5 times - Rs 10,000 invested then has now become Rs 104,613!

As compared to this, the BSE 200 index has multiplied by less than 5 times.
Source:ACE MF and PersonalFN Research
Or for that matter, look at the performance of another fund - Sundaram Select Midcap - that we had recommended to our subscribers in November 2004. As you can see from the chart below, an investment of Rs 10,000 in this fund in January 2004 has appreciated to Rs 50,010 as on December 09,2011, or a multiple of 5 times.

Against this, investment in its benchmark index BSE Midcap has risen to just about Rs 22,967, which is an appreciation of just around 2.3 times.
Source:ACE MF and PersonalFN Research
And here's another performer from among our recommendation - the Franklin Bluechip Fund. Since our recommendation in July 2006, this fund has multiplied wealth 2.1 times while its benchmark BSE Sensex has multiplied only 1.7 times.
Source:ACE MF and PersonalFN Research
As you might see, these performance comparisons are not based on short term returns. Instead, these are based on 3 and 5 years' performance.

This, I think, is a long enough timeframe to judge a fund's performance...and also that of an advisor!
So, How Can FundSelect Help You?
FundSelect will help you identify the 'right' kind of mutual funds that pass the rigorous selection process of our research team.

And that's not all. The reports that you will receive from us, will suggest...
  1. Whether the fund is suitable for you
  2. The fund's past performance against the index and its peers The fund's profile, like its investment objective and time horizon
  3. A note on the fund manager
  4. Constituents of the portfolio
  5. Whether the actual performance meets the fund's original objective
  6. Our future outlook for the fund
And then, you receive this entire wealth of information in easy to print reports. You can always save them for future references...and for cross-checking with our claims.
FundSelect - The Single Best
Mutual Fund Research Service
It is not an easy task to select the right mutual fund schemes from within the maze of 3,000 schemes (and growing) that are available in the market today! After all, a majority of them are worthless!

So, it is not an easy job to select the 'right' mutual funds that could grow your wealth over the long term.

You need time, effort and expertise to find out which scheme would suit your investment requirement.

Or simply, you can have the services of FundSelect!

FundSelect will take away this pain (of selecting the right funds) from you. And it will do this by delivering you experienced, unbiased and credible recommendation on mutual funds.

After all, the service carries the experience and expertise of a research team which has been researching and advising on mutual funds since 1999.
Let Us Make You An Amazing Deal...
You see, FundSelect is priced at Rs 5,000 for a year's subscription.

But for next 3 days only, i.e., till 4th April 2012, you can subscribe to the service for Rs 2,450 only.

Plus we will also add 3 months to your subscription absolutely free!

In effect, a service that usually costs Rs 6,250 for 15 months will come to you at just Rs 2,450...or a huge discount of almost 61%!

This is the best deal we have ever offered for our fastest selling product...

...but you can avail of this only till 4th April 2012!

If that's not all, you can sign up for FundSelect at this highly discounted price and test-drive the service for a full 30 days.

If you don't like what you see (unfortunately for us!), just get in touch with us before the 31st day, and we'll refund the entire fee you paid. That's a promise!

But you must act quickly.

This offer will close at 11.59 PM, 4th April 2012.

After that, you will no longer get our Special Report "2 Mutual Fund Schemes You Should Buy Now" that talks about the mutual fund schemes that you must buy now...

...and the subscription price of FundSelect will also go back to the usual Rs 5,000 for a year's subscription.

So you really ought to act right now!

Just a minute! Did I tell you that apart from the Special Report, there are some other invaluable gifts that you'll be entitled to with your subscription to the FundSelect?

Well, here is all you will get when you subscribe to FundSelect through this special offer...
  1. Premium Report: 2 Mutual Fund Schemes You Should Buy Now

    This premium report is about 1 Wealth Creating Equity Mutual Fund and 1 Wealth Protecting Debt Mutual Fund

    If there is one -and only one - equity mutual fund that will help you really create wealth, grow it strongly over the next 3-5 years, here it is in this Premium Equity Report.

    Why do we say so? Well, since February 2009, 3 years ago, while the Indian markets have risen by 26% p.a., this fund has risen by almost 30% p.a.! Outperforming the Sensex by 4% p.a.!

    What has made this fund deliver such stellar performance compare to the market?

    It has a careful fund management and holds quality stocks in its investment portfolio with a long term bias.

    We believe this fund is perfect to help you create wealth strongly over the next 3-5 years.

    You will get all the information about this special fund in our Premium Report - 1 Wealth Creating Equity Mutual Fund For Your Portfolio which you will receive with your subscription to FundSelect.

    Wealth Protecting Debt Mutual Fund Report

    This debt fund has never compromised on credit quality. The portfolio consists of instruments maturing across various periods.

    It has provided strong debt returns over all time periods. It has outperformed its benchmark index by 3% per annum compounded, over the 5 year period. It has consistently outperformed its benchmark index even on the 1 year, 2 year and 3 year horizons, by 1-2% on each time period! It shows less volatility and gives higher reward - a double bonus for protecting your wealth!

    In fact - we're surprised this fund is still comparatively a secret from debt investors!

    We are about to enter a shifting stage in the interest rate cycle. Once the peak is hit, interest rates will plateau and then slowly begin to fall.

    At times like these, you need a fund manager who is an expert at manoeuvring tricky little twists and turns in the rate cycle. And this scheme's fund manager does just that.

    You'll find out which fund it is, and read all about it, in your Premium Report - 1 Wealth Protecting Debt Mutual Fund. - which you will receive with your subscription to FundSelect.
  2. Investment Ideas Notes (Monthly)

    In all the noise that exists, our monthly investment ideas provide a 'big picture' view of the markets and what you as an investor should be doing. These notes include our updates on the equity, debt, and gold markets and views for the future. You get subscription to these special notes free with your FundSelect subscription.
  3. FundWatch

    As an add-on to the mutual fund recommendations that you receive through FundSelect, you also get researched views on the funds that are on our research team's watch list.
  4. New Fund Offer Analyses

    You also receive our views on whether you should be investing or not in a new mutual fund offer.
  5. Asset Allocation Note (Quarterly)

    The Asset Allocation Note provides an overall update on the markets with guidance on how should you spread your money across various asset classes like equity, gold, real estate, and cash.
  6. Subscription to MyPlanner

    MyPlanner is a wealth tracking tool from PersonalFN. It helps you get in total control of your wealth. You can:
    1. Track your Equities, Mutual Funds, ULIP investments
    2. Track your Assets like Property, Vehicles, Bonds, Fixed Deposits, EPF/PPF
    3. Track your Liabilities like Home Loans, Car Loans
    4. Track your insurance
    5. Track your Wealth with the Net Worth Report
    6. Track your cash flows including income, expenses, receipts and payments with the Cash Flow Report
    7. Analyse your expenses - where is the rupee going with the Expense Analysis Report
You get the MyPlanner absolutely free when you sign up to FundSelect now.

You get all these reports and services for 'Free' when you subscribe to FundSelect through this offer.

And over that, the risk for you is ZERO!

Why? Because you can try FundSelect for a full 30 days.

If it turns out that you don't like it, just let us know before the 31st day and we'll refund the entire fee you paid. No questions asked!

And, we'll also let you keep the Special Report as compliment from PersonalFN for giving FundSelect a try.

Sounds good?
Why It Might Be Unwise to Wait
Until Midnight on 4th April 2012...
We're going to close the FundSelect Membership at the stroke of midnight on 4th April 2012.

But we're firmly convinced that we'll be forced to cut off memberships long before then.

This is because we are accepting only the first 500 subscriptions through this special offer.

And we're personally convinced that we'll hit this limit very quickly.

(That's why we asked that you please not forward this email to anyone.)


We've kept the door open for you, not just to get in but also to get out in case you don't like what you see here.

So rest assured, as you're fully protected by PersonalFN's 30-Day Money Back Guarantee!

Subscribe to FundSelect. If by any chance, you're not totally satisfied that this is the right product for you, just let us know before the 31st day from the day of your subscription, and we will completely refund your money, no questions asked.

Now what are you waiting for?

Accept our invitation by becoming a FundSelect Subscriber today. You will not see such an amazing offer to get your hands to this invaluable service again!
Sign Up for FundSelect Today!
12-Month Subscription (plus 3 Months FREE)
Rs 2,450* (61% discount)

Click here to Sign Up!
*Price Inclusive of Service Tax

With respect,
Team PersonalFN
PersonalFN.com

P.S.: A one-time fee of Rs 2,450 is the lowest ever price we are offering for FundSelect...and this isn't anyways a big price for all the great mutual fund ideas you will receive. But there's no way we could afford to keep this offer open for very long. That's why you need to respond by midnight of 4th April 2012...or sooner.

P.P.S.: Sign up for FundSelect today, and you will have 30 full days to decide whether or not you want to pay for this invaluable service. If not, let us know any time during that period, and you'll receive a full refund - no questions asked. That's a promise!

P.P.P.S.: If you have any queries, please do not hesitate to contact us at +91-22-61361200. If you find these numbers busy, which might be the case due to a lot of people calling in for enquiries, kindly try calling up again after some time.
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