This does not constitute investment advice. Returns mentioned herein are in no way a guarantee or promise of future returns. Mutual Fund investments are subject to market risks.


Please DO NOT Share Or Forward This To Anyone...

Exclusive High Potential
Opportunity To Make Your
Golden Years Something You
Will Actually Look Forward To

The Next Few Minutes Could Change The Way You Look At Old Age

Dear Investor,

Please do not share the contents of this message with anyone!

Because right now, this super opportunity is only open exclusively to our valued readers like yourself.

And we want it to stay that way so that you could make the most of it.

What we are talking about has the potential to make you forget the worries of dependant old age.

It could very well take the pressure off of you so that you could enjoy your current life at the fullest...

Leaving aside the worry of the 'golden years'.

Yes, that's the keyword we are sure you would come across a lot.

It is nothing else but a good way to call your "Old Age" by, to make it seem more enjoyable.

Now, there could be 2 scenarios things could pan out... Let's imagine both!

Scenario 1: You are in your late 50's or early 60's... Your children are running and managing their own families to the best of their ability. You have hung your boots and retired! You "maybe" getting a pension or a lumpsum PF amount post retirement. Years pass by, and it becomes difficult to cope up with the financial stress that has built up. Ofcourse, you would not want to ask your kids for help! You are stuck from all ends. The word we are looking for is "DEPENDENT". You will become financially dependent on someone, to make your ends meet.

Scenario 2: You are in your late 50's or early 60's... Your children are running and managing their own families to the best of their ability. You have hung your boots and retired! You "maybe" getting a pension or a lumpsum PF amount post retirement, BUT YOU HONESTLY DON'T WORRY ABOUT IT!

Because you had planned well early for this golden period of your life! You took charge of things, made changes to your investments, took calculated risks by investing in the right opportunities that could help you retire rich!

You could still help your kids now if at all they need anything.

Do you see the difference between both the scenarios?

The major difference is an "INDEPENDENT" you.

And what we have for you today is something that has all the capabilities and potential to achieve just that for you.

Something that could help you see your goals & dreams being realised even post retirement.

The best quality education your kids could get.

That lavish marriage ceremony for your daughter, you always dreamed of.

A second honeymoon with your better half, that you always wanted to go to.

And much more...

What we are telling you about today, is a solution...

Not a quick fix you are looking for but a "strategy" that could help you secure a happy and blissful retirement for yourself.

High quality 'Do It Yourself' retirement solution and strategies.

It's easy. It's simple. It is designed keeping you in mind.

Here is something that will drive our point home.

How Much Do You Actually Need?

We, at PersonalFN, did our homework and came at an interesting conclusion.

That is, it does not matter how much you earn...

Or whether you speculate in risky assets or not...

Or whether you already have a strong financial background...

We found out that the only thing that matters is CONSISTENCY and 'a little of smartness' when it comes to retirement planning.

For example, if you were to save Rs 25,000 per month and invest it at a compounding interest rate of 12%, it would become a whopping Rs 2.4 crore in the next 20 years.

Look at the graph below for a better understanding.

This Graph is indicative and for illustration purpose only. Growth rate assumed at 12% p.a.

The red line is your retirement corpus.

As you can see from the graph, all you need is to keep stashing away a bit of your savings into your retirement corpus. Simple.


We think there's one more variable to the equation.

That is, the return percentage of your investments!

You see, in our little graph, we considered the return percentage to be pretty consistent.

But can you ever say that of any of your assets you invest in now?

No? We guessed it.

As is known, the market is unpredictable and so is your portfolio returns.

One quarter, it might be over 10%...another quarter, a mere 2%.

Not much of a return, is it?

And that's where comes in what we are talking about.

Leave everything you are doing for the next few minutes and dive in...

PersonalFN's Exclusive
Retire Rich Series

PersonalFN brings to you a new and exclusive initiative with a sole motive-securing your retirement yourself.

This is a DIY retirement solution whereby you can start planning for your retirement and potentially build a substantial corpus that could sustain you in the best days of your life.

It is not merely a list of funds.

Or a particular investment idea.

It is a complete all-around solution to guide you with almost ALL necessary essentials of retirement planning.

...a monthly series of reports and articles bringing forth potentially the best investment ideas and opportunities most suitable for a happy and blissful retirement.

Who is this most suitable for?

We imagined this premium service for investors who want to do it themselves and who are struggling to build a sizeable retirement corpus through their ordinary endeavors.

We want to provide you a ready investment solution specifically suited to help you build not just any portfolio but rather a RETIREMENT portfolio.

Are you an investor in your mid-40s?

Are you looking to start retirement planning or bring one on track again?

Feeling clueless as to where to invest to accumulate sizeable savings in the few years of your active life?

It's hard.

Not many can do it...correctly.

Juggling hectic professional and personal lives, does someone still have the energy to sit down with financial journals and factsheets every day?

Of course not.

And that is the reason why we have developed this one-of-its-kind retirement planning monthly report series

"A treasure trove of invaluable information to help you build your financial future."

We want to make the whole process of planning for your retirement a piece of cake. Only a few steps and you are done.

An Ongoing Monthly guidance to handhold you in your journey to retirement. . Act on them in time and you are all set.

What's Inside Retire Rich Report?

As a privileged subscriber of Retire Rich Report, you will get inside access to THREE strategies to build retirement wealth. You need to pick the one that suits your age and time horizon.

These strategies comprise of a ready set of equity, debt and gold mutual funds, optimally allocated to together build a decent corpus for one's dream retirement.

#1 The Young And Adventurous

This strategy is for the young 'high risk-high reward' investors who want to play the market and beat it by a significant margin.

It is not for the faint-hearted.

It would ideally carry higher exposure to equity funds for high growth potential, with a smaller exposure to debt and gold funds for some stability against higher volatility in equities.

There is always that slight chance of loss lingering in the dark but if you play your cards right, you might end with double or even triple digit returns in the long run.

This Early Retirement Solution is for investors who are under 45 years in age and can afford to take adventurous decisions for their retirement approaching in about next 15-20 years.

As a Retire Rich subscriber, you will receive high potential equity mutual fund recommendations handpicked for two rare characteristics:

  1. They promise high growth potential in the coming few years.

  2. They are perfect fit for one's retirement.

But maybe, you are not adventurous enough.

You want to surf the high market waves but also make sure of a steady income potential.

You are just being cautious and we love it.

#2 The Cautious Nearly-Retired Ones

This is the Nearing Retirement Solution for investors who are between 45 and 60 years old.

They are about to get retired in say another 10 to 15 years.

This is a tricky situation. You cannot afford to play too safe because you have got only a few years left to save. Yet you cannot play too risky because you would not be able to recoup your losses in time.

This strategy would ideally carry a decent mix of equity, debt, and gold with larger exposure to equity funds for superior growth, significant exposure to debt funds for stability, and smaller exposure to gold funds for a hedge against a crisis.

If you are looking for a ready mix of funds to invest in for steady yet higher than average investment returns, this is the one for you.

Just stick to it for the remaining years to your retirement and you would potentially build a substantial retirement corpus in no time.

Lastly, there are those who have already retired.

We surely cannot forget about them, right?

#3 The Retired And Struggling

This special Post Retirement Solution is for retired investors over 60 years of age. That have "been there and done that", and frankly, they are in need of special care.

You see, retirement planning happens not only before retirement but also goes on post retirement.

Adjusting to the new financial situation with no active income and limited savings in the bank, with soaring daily expenses, it takes superb calculation and strategy to make the whole retired life work like magic.

This strategy would comprise of equity, debt, and gold, with larger exposure to debt funds for stability, reasonable exposure to equity funds for growth, and smaller exposure to gold funds for hedge during a crisis.

Regardless of your age, your financial background and your bank savings, we will guide you to secure a healthy and happy retired life for yourself, whether it is before or after retirement.

It's always about being there for you and empowering you throughout your retirement planning journey.

That's how we do it at PersonalFN.

Each mutual fund that we handpick for you, our subscribers, pass our stringent parameters, both qualitative and quantitative, and only the most worthwhile make it into our recommendation list.

At PersonalFN, we call them S.M.A.R.T.

In other words, these mutual funds have passed our SMART Score Matrix with flying colors!

This is a special methodology that we follow to qualitatively and quantitatively assess the growth potential of a mutual fund.

Our Chosen Funds Are S.M.A.R.T

We select mutual funds on the basis of 5 variable tests, viz. Systems and Process, Market cycle performance, Asset management style, Risk-reward ratios and Performance Track Record.

Systems and Processes Market Cycle Performance Asset Management Style Risk-Reward Ratios Performance Track Record

So, each fund recommended by PersonalFN has to go through our stringent process where they are tested on these five essential parameters.

It's like taking a test on five different qualities and getting scores from a very strict teacher!

What we normally try to see in these funds are as follows:

This matrix is specially developed by the in-house research team at PersonalFN and we believe, it's one of the best and reliable fund selection methodologies in the industry today.

It helps us identify potentially the "best of the best" funds out there having the ability to build wealth for our subscribers.

But that's not all.

It's not about telling you about a few mutual funds one-time and be done with it forever.

It's about guiding you in your journey to build consistent wealth over years to come.

And we have got you covered.

"Are They Doing Well? Or Not?"

Our research team constantly keeps rechecking and retesting our recommended funds again and again.

If any of them does not meet our criteria? Strike it out.

Keep only the ones that prove their worth to our subscribers. It's through a constant and strict vetting, day after day, that we make sure that every fund we recommend for your retirement goal turns out to be a WINNER.

Every month you will receive a detailed research report on the performance and investment strategy of the funds already recommended by us.

If our review is positive, you can continue keeping invested in them. If our review on any fund is negative, it is better if you strike them out.

It's a continuous process.

We guide you on the strategy and keep you updated on the performance of the recommended funds every month.

All you have to do is take action on it. Simple.

But are mutual fund recommendations all that you receive as a Retire Rich subscriber?


In-depth, Invaluable Write-ups
Focused on Retirement Planning

As a Retire Rich subscriber, you will also receive in-depth, long-form and highly research-oriented write-ups solely focused on myriad aspects of retirement planning.

Based on the particular theme of the month, we will let you in on some of the most baffling topics when it comes to retirement.

How much do you need for your dream retirement?

How to ensure regular cash flow post retirement?

Should you buy insurance? Which Mediclaim is potentially the best for your purpose?

And so on.

Every write-up will be exhaustive and enlightening to help you make the right financial decisions in time.

Apart from this, you will also receive the following as a Retire Rich subscriber.

Free Exclusive Bonus for You:
Your Comprehensive Guide To
Retirement Planning

Your golden years may truly become the best days of your life.

With the top-notch Retire Rich recommendations and exclusive premium research write-ups every month, you will probably be far ahead in your journey to financial freedom.

However, we wanted to make it even better for you.

We are ready to give you our very popular Money Simplified guide, "Your Comprehensive Guide To Retirement Planning" for Absolutely Free.

No extra charge at all.

In this exclusive guide, you will find:

Why you should plan your retirement well

Perils of Planning For Retirement Late

Role of Different Asset Classes in Retirement Planning

Why Insurance a Must in Retirement Planning

And so forth.

This might be a great starter guide to help you in your retirement planning process. It's almost action-oriented and provides you the perfect platform to get on with the retirement planning voyage.

But what's the use of any such retirement guides and reports unless you have a calculator in hand?

A Free Retirement Corpus Calculator for You

An easy-to-use and simple-to-understand prop for retirement planning.

Just plug in the numbers and lo, you get your answer.

How much to save each month?

How much time is required to build a significant corpus?

If you are young, what's the minimum you can do away with?

A retirement calculator does what its name says.

Helps you calculate the approx. corpus you need for a blissful retirement.

It helps you make sure that you are not straying off your path.

That you are totally on track on your monthly goals.

And just because you took that lavish vacation, your retirement is not in distress.

As you guessed, you get it totally free as a Retire Rich subscriber.

A Complete DIY Retirement Solution
...Regardless of Your Age,
Background or Occupation

We are proud that we have built Retire Rich not like any other retirement planning service with the need to hire any other financial adviser.

This is an all-inclusive Do-It-Yourself initiative for you to secure a happy retired life for yourself.

We are providing you with the necessary financial knowledge and even more importantly, actionable investment ideas that you act upon right away.

No probable need to consult any other financial adviser for that matter. (You may trust on our 15+ years of research and financial planning experience.)

As a Retire Rich subscriber, you will receive:

"But How Much Does A Wealthy Retirement Cost?"

Now, we come to the best part.

The regular fee for Retire Rich is Rs 10,000 per year!

Keeping in mind the huge wealth of invaluable actionable knowledge you will be receiving every month, it is almost negligible in our opinion.

Why not shell out a mere Rs 850 per month when you might be able to earn lakhs from it, right?

After all it's a small contribution to achieve the financial independence during your golden years...

But we don't want to leave any stone unturned to ensure you get access to this service right away.

So here it is...

Sign Up Right Now to The Retire Rich Series,
Only At Rs 10,000 2,950

That's an instant savings of Rs 7,050 in your pocket!

If you put together all the FREE bonuses you are getting along, you are actually getting this virtually for FREE.

But remember, this is a very exclusive offer and we might not be able to keep it open for long.

Once we close the subscription gates for this service, we may not be accepting new registrations for quite some time.

And when we start accepting members again, there is no guarantee that the same offer will be available!

So, we strongly urge you - do not waste a minute more in thinking...

Subscribe now and save Rs 7,050 on your first year's subscription.

You can invest it towards your retirement fund then.

Now, if you still have any doubts in mind, we will make this decision a no-brainer for you...


Your risk is ZERO!

...Because your subscription to Retire Rich will be covered under our 30-Days - Full Money-Back policy.

You can enjoy a 30-days trial with a full refund guarantee.

Get complete access to everything we have promised under Retire Rich for a month.

If you don't like it or think it is not for you, which is very rare...

Just let us know before the 31st day of your subscription and we'll refund the entire fee you paid.

No quibble, No delays!

No questions asked...

Sounds good?

Do not delay!

Remember, for your dream retirement, it will be such smart, money - conscious decisions that will matter in the end!

Don't miss this golden opportunity.

Act now.

To your wealth,

Team PersonalFN

P. S. This is a complete DIY solution for every individual wise enough to think and act for a happy and blissful retirement. 3 Retirement Solutions, premium research write-ups, monthly performance updates, free bonus guide and a retirement get everything at your disposal. Act Now.

*Price inclusive of applicable Goods and Services tax

** The performance data quoted above represents past performance and does not guarantee future results.

© Quantum Information Services Pvt. Ltd. All rights reserved.

Any act of copying, reproducing or distributing this newsletter whether wholly or in part, for any purpose without the permission of PersonalFN is strictly prohibited and shall be deemed to be copyright infringement.

Disclaimer: Quantum Information Services Pvt. Ltd. All rights reserved. Any act of copying, reproducing or distributing this newsletter whether wholly or in part, for any purpose without the permission of PersonalFN is strictly prohibited and shall be deemed to be copyright infringement

Quantum Information Services Pvt. Limited (PersonalFN) is an independent Mutual Fund research house and SEBI Registered Investment Adviser (Registration No. INA000000680). All content and information is provided on an 'As Is' basis by PersonalFN. Information herein is believed to be reliable but PersonalFN does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. The Services rendered by PersonalFN are on a best effort basis. PersonalFN does not assure or guarantee the User any minimum or fixed returns. The Services are designed and provided based on the information and documentation furnished on this website/to the Personalfn by the User. The recommendations/advice made by PersonalFN are subject to several risks & other external factors not in the control of PersonalFN such as financial markets, macro and microeconomic factors, and other factors that can cause an adjustment in the User's own financial situation and the progress of the User's plan. The results may be based on certain assumptions. PersonalFN and its employees, personnel, directors will not be responsible for any direct / indirect loss or liability incurred by the user as a consequence of him or any other person on his behalf taking any investment decisions based on the contents and information provided herein. Use of this information is at the User's own risk. This is not directed for access or use by anyone in a country, especially USA, Canada or the European countries, where such use or access is unlawful or which may subject PersonalFN or its affiliates to any registration or licensing requirement. The User must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as s/he believes necessary. Past performance is no guarantee of any future results. Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Quantum Information Services Private Limited (PersonalFN) may hold shares in the company/ies discussed herein. As a condition to accessing PersonalFN's content and website, User agrees to our Terms and Conditions of Use and Privacy Policy, available here.

Quantum Information Services Private Limited Regd. Office: 103, Regent Chambers, 1st Floor, Nariman Point, Mumbai - 400 021
Corp. Office: 103, Regent Chambers, Nariman Point, Mumbai 400 021.

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