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

We were surprised at first. But it made complete sense.

The 'Undiscovered' Five

Ready to Soar Tomorrow
Yet Nobody Knows

Congrats! You are one of the selected few to this privy info.

Get in before EVERYONE ELSE does and reap huge profits from these 'market darlings of tomorrow.'

Dear investor,

We are shocked, seriously.

Can something like this happen?

Can the market radar falter at times?

Well, going by our recent research, it sure can.

And it did, our friend-providing you with potentially ‘one of the best investment opportunities of 2019’.

Five profitable mutual funds with solid growth potential.


No word of mouth.

No advisor tips or advice.

No market buzz, nothing.

It makes no sense.

In fact, let us correct ourselves by saying that it is not just profitable...

...but probably profitable beyond your imagination, if you can act in time.

Sounds too good to be true?

Well, it actually is. We won’t deny that.

And that’s why we want you to focus on this letter today.

Take a comfortable seat.

Put your phone on silent mode.

Put a DND sign outside your door.

Because in the next few minutes, we are going to reveal what might probably change your life for good.

Sounds good?

Great! Read on. We have something exclusive for you.

“What exactly do we mean by
‘Undiscovered’ in the first place?”

You see, the market is “intelligent” most of the times. Every single piece of information travels fast across continents to every operating terminal playing in the market.

In short, nothing is hidden per se.

However, Mr. Market do falter at times.

A few mutual funds, nonetheless reporting strong gains year over year, still do not get caught in the market radar.

Or let’s say, they are still UNKNOWN yet by the market participants.

Even the bigger ones.

We are talking about the mutual fund distributors.

We are talking about the institutional investors (in some cases).

We are talking about retail investors, like you, like us.

Not many.

But you know what, it totally makes sense.

These are rather “small” mutual funds.

For instance, while the regular ones that you hear about in the market are well over Rs 10,000 crore in size, these are mostly within a mere Rs 2,000 crore in size, as of now.

Compared to others, they have not reached the tipping point yet, so to speak-the bigger you are, the more they talk about you.

And that presents to you a great investment opportunity, probably a highly profitable one for that matter.

You see, being small can have a lot of advantages in mutual fund industry too.

To start with, these small funds are not bulky and are NOT in a saturation phase, that might affect a gradual slowdown in performance - as is often the case with its larger counterparts.

These funds are usually in their super-growth period and they are positioned to grow leaps and bounds over the next 5-10 years..

By staying true to their investment style and adding a consistent performance track record to their credit, they wait...

...until they get noticed by investors.

But the smart investors may have already raked in their HUGE gains by then. It’s in that initial phase when most of the money could be made.

Wouldn’t you want to get in early and be one of the few to see double or triple digit returns on your investments? Of course, you do.

But hey, even as we are talking about their growth potential, there’s one particular reason why we absolutely love these funds.

These are small and do not face any constraints due to a bulky size.

They are managed more actively by their fund managers.

The fund managers maintain highly liquid portfolios that can be churned easily during extreme market conditions.

These funds are well-diversified across themes and are well-poised to weather any storm coming your way.

Worried if they would still perform in bear markets? No worries. When the markets are going down and the whole atmosphere is gloomy, these funds have the ability to limit downside risk.

Putting it in simpler words, if you are an investor and achieve market-beating returns, , these would be the ones for you.

And let me tell you we haven’t reached the best part yet.

An “undiscovered” fund can be
a boon to investors

Talking, about how good these little funds are, does no good.

We require evidence to prove our claims.

We need numbers.

How are these funds performing?

Well, we are glad you asked.

As we already told you above, as a fund grows in size, it keeps slacking off on the returns generated from it. Saturation sets in where a fund would probably see nearly equal to market performance.

“Where’s the alpha?”

It’s in the small sized but high quality funds that are process driven and managed well.

Although they are small, they have been competing well with their large sized peers and have the potential to become popular tomorrow on the basis of their performance.

But unfortunately they have not caught the attention of investors.

You must be wondering about the returns such undiscovered funds can generate. Well, what if we tell you that it has the potential to generate three or even four digit returns?!

“Oh, that must be in 50 years...forget it.”

No, how about 10 to 15 years?

Let’s take a look.

Let’s say, you invest Rs 1,00,000 in these mutual funds today. It may become as much as Rs 11,00,000 in the next 15 years, if we consider an absolute 1,000 percent in returns.

Not in for the long haul?

No worries.

If we go by the average return of 15% CAGR in around 10 years’ time period as per our research, your one lakh in investment still grows to around Rs 4,00,000.

Amazing, isn’t it?

We have to note here that investing will always carry a bit of unpredictability.

While this might be the norm, returns can vary from your expectations even if you take all precautions before investing.

This is why choosing these rare funds can be such a tricky affair.

While an average investor most certainly won’t have the necessary time and resources to dig out these ‘gems’ from the mud...

We would go as far as to say that even many research businesses might won’t have the necessary infrastructure and methodology in place to provide you with the right information at the right time.

You need “a team of specialists” who has been in the market long enough and studied every aspect of it in a thorough manner, day in and day out.

But most importantly, those who have consistently proven their expertise not through their talk but through results.

Enter PersonalFN - India’s
First Personal Finance Website

If you are a regular follower of PersonalFN, you already know about us. However, if you are not, let’s just start by saying that PersonalFN is one of the leading mutual fund research companies in India.

Based out of Mumbai, we started out in the year 1999 as a small, really small team of market enthusiasts, with a handful of followers who believed in us.

Today, we pride ourselves for our massive 1.5 lakh readers all over India. (Thanks to you, our loyal readers.)

We set out with one mission in our mind.

To empower investors with honest, unbiased mutual fund research advice.

That we did for the last 15 years.

I am obliged to PFN for educating me in management of personal finance. I have designed my MF portfolio taking guidance from PFN. I appreciate prompt responsiveness of PFN team to subscriber queries, and their approach to take onboard subscriber requests and feedback. In particular, I liked research reports for a couple of funds which clearly guide investors not to invest in spite of high returns, due to underlying risk and doubtful sustainability of returns in the long term. This differentiates PFN from other MF research services.

~ Rasesh Choksi 
(FundSelect and FundSelect Plus subscriber since Oct 2012)

...and even today, as we write this letter.

We bring to you something that might just rock your very investment outlook.

Something that has the potential to boost your overall portfolio returns with potentially double or triple digit returns!

Something that can potentially give you a financially happy life.

Imagine being able to take that Europe vacation you always dreamt...

Imagine being able to send your son to a premier university for his higher studies.

Imagine being able to finally take retirement after years of work. (Oh, it must be tiring, right?)

The thing is, only if we take the right decisions at the right time, we would so better off in life.

Opportunity knocks on the door only once. You got to grab it right then and there.

And it’s knocking on your door today.

Bringing to you our exclusive
5 Undiscovered Equity Funds
With High Growth Potential

5 Undiscovered Equity Funds

We bring to you FIVE super potential mutual funds that are yet to be “discovered” by the market. Can this be, really? Yes, it is.

These five mutual funds are unique in their own way.

But they are common in one simple factor.

They have somehow managed to stay ‘unnoticed’ by the distributors, brokers and investors. Almost nobody talks about them (or let’s just say, almost nobody KNOWS about them.)

And this has led to this high moneymaking opportunity for you.

If you go in now, you will be one of those lucky early investors who would be able to get in when the “iron is still hot” and bring “home the bacon” even before everyone knows what happened, so to speak.

How can we be so sure?

Because 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.

To clarify...

“What is the SMART Score Matrix?”

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:

  1. The fund manager possesses decent experience and is not overloaded with multiple schemes. Moreover, the fund house should have well defined investment systems and process in place.

  2. The fund has successfully generated positive returns across market cycles, viz. bullish and bearish. It is important the fund has the ability to limit your losses during crisis.

  3. The portfolio should not be too concentrated, highly churned or low quality. It should be managed efficiently.

  4. The fund must offer adequate return for the risk incurred. It should not be putting your money to unnecessary risk.

  5. The track record of the fund in terms of generating return on investment over various time periods like 1-year, 3-years, 5-years and so on.

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.


Because it has shown successful results over time!

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 from Mumbai

And we ran these five funds through this special matrix.

You know the rest.

We found our next breakthrough investment opportunity for our followers.

We see its huge potential and yes, we may be the first to tell you about this.

If you act now, you will be thankful that you did for the rest of your life.

But how can we be so sure?

“We have done it before too!”

Let us start by saying that this type of funds are extremely RARE.

Yes, you will hear other investors or the experts talking about the highly popular growth funds or dividend funds or so on.

But coming by these funds can be a once-in-a-lifetime opportunity. Seriously.

Frankly, over the last two decades, we have had our fair share of discovering such ‘gems’ from time to time.

Let us take the example of ICICI Pru Value Discovery Fund. We recommended it in August, 2013, when NAV was at Rs 49 and fund size was a mere Rs 2,490 crore. In the last 5 years, it has generated an absolute return of around 212%!

Source: ACEMF, PersonalFN Research
Performance for the period August 12, 2013 to July 31, 2018
Past performance is no guarantee of future results can we forget Axis Long Term Equity Fund? It was recommended on 1st February, 2014. Its NAV was recorded at Rs 16.96 and it was a tiny Rs 953.81 crore in size. Today, it’s a mammoth around Rs 18,000 crore with a NAV of Rs 48.

Source: ACEMF, PersonalFN Research
Performance for the period February 03, 2014 to July 31, 2018
Past performance is no guarantee of future results

Or...take the case of HDFC Top 100 Fund. It was a mere 306.9 crore in size when we recommended it in August, 2004. Today it’s NAV has ratcheted up by a whopping 1,066%!

Rs 1 lakh invested in the fund at the time of our initial recommendation on the fund would have grown to Rs 11.66 lakhs.

Source: ACEMF, PersonalFN Research
Performance for the period August 31, 2004 to July 31, 2018
Past performance is no guarantee of future results

Let’s not forget the Sundaram Midcap Fund, one of our most solid performing recommendations of all time. We recommended it in November, 2004, when its NAV stood at Rs 30.23 and it was Rs 203.33 crore in size. At the time of writing this letter, the NAV was recorded at Rs 492 a rise by 1,528%, and the fund size was a massive over Rs 6,000 crore!

Source: ACEMF, PersonalFN Research
Performance for the period November 08, 2004 to July 31, 2018
Past performance is no guarantee of future results

If you had invested Rs 1 lakh in Sundaram Midcap Fund in 2004, it would have become a massive Rs 16 lakh today.

And these five funds...

Well, if our long hours of research are anything to go by, they might go on to outperform the market and even beat our own records.

Click here to get this report now.

A Sneak Peek Into
The Five ‘Market Darlings Of Tomorrow’

Curious to know about how good these five funds are?

Take a look at the performance comparison of our ‘Undiscovered Funds’, vis-a-vis their popular category peers and the benchmark S&P BSE 200 index.

Our Undiscovered Fund #1 was launched with the objective of benefiting from extra-ordinary opportunities prevailing across stocks and sectors. The fund has been capable of capturing on such opportunities and has beaten the broader markets over longer time period.

In the last 5 years, the fund has generated returns at around 20.7% CAGR.

Source: ACEMF, PersonalFN Research
Performance for the period July 31, 2013 to July 31, 2018
Past performance is no guarantee of future results

Rs 1 Lakh invested in the fund 5 years back has multiplied over 2.5 times and grown to Rs 2.56 lakhs- quite competitive to the then popular fund in its category that held a corpus of over Rs 4,500 crore in July 2013.

The Undiscovered Fund #1 is well positioned to benefit from future growth opportunities prevailing across sectors and market caps.

Although the fund has a history of over a decade, it has still not caught the fancy of investors and holds a corpus of less than Rs 1,500 crore. Go figure!

The Undiscovered Fund #2 has always eyed for growth. In 2013, the fund held a corpus of just about Rs 220 crores, which clearly indicates that it didn’t had many investors to put a trust on. Still, it is one of the well managed funds and has consistently stood among the top performers in its category.

Despite its market beating performance over the past 5 years, the funds size stands at just about Rs 700 crore.

Source: ACEMF, PersonalFN Research
Performance for the period July 31, 2013 to July 31, 2018
Past performance is no guarantee of future results

Rs 1 Lakh invested in the fund, five years ago, would have grown to Rs 2.9 lakhs at a CAGR of 23.8% - in other words, your capital would have been multiplied 2.9 times!

Although it trailed the popular category peer for quite long, it has managed to surpass the popular peer that is now around 10 times bigger than our undiscovered fund #2.

The Undiscovered Fund #3 comes with a mandate to hold exposure across both large caps and midcaps, but carries a large cap bias.

Despite a history of over a decade dominated by a track record of stable performance, the fund has gone unnoticed by investors. It has a corpus of just about Rs 450 crore.

Source: ACEMF, PersonalFN Research
Performance for the period July 31, 2013 to July 31, 2018
Past performance is no guarantee of future results

Over the last 5 years, the fund has generated returns at around 22.7% CAGR, which is 1.5% higher than its popular peer with a current corpus of over Rs 20,000 crore.

The smaller size of the fund has helped it limit the downside risk during extreme market conditions, and...

...reward investors in terms of superior returns over the long term.

The Undiscovered Fund #4 just makes our claim stronger that smaller sized funds are well capable of generating market beating returns...

...if they are backed by superior investment processes and systems.

The funds orientation towards going against the tide and eyeing for out-of-favor, beaten-down stocks has been rewarding for its investors.

Source: ACEMF, PersonalFN Research
Performance for the period July 31, 2013 to July 31, 2018
Past performance is no guarantee of future results

In the last 5 years, this less popular fund has shown a stellar performance and has grown at a CAGR of 29%. An investment of Rs 1 Lakh in the fund (made in July 2013) would have appreciated to Rs 3.59 lakh, that’s an increase by 3.6 times! Just in comparison, a similar investment in its then popular peer would have grown to just Rs 2.19 lakh.

To add to this, with a corpus of around Rs 2,500 crore, our Undiscovered Fund #5 has the potential to continue with its superior performance in the upcoming years.

The Undiscovered Fund #5 is an aggressive hybrid style fund that follows asset allocation strategy to generate capital appreciation through equities, while adds some element of stability through significant allocation to debt.

The fund does not has a longer history to its credit. But it has made a mark in a short span of time, outperforming most of category peers.

With a CAGR of around 14.1%, Rs 1 lakh invested in the fund 3 years back in its NFO would have grown to Rs 1.48 Lakhs!

In terms of performance, the fund has been far ahead of its popular peers in the erstwhile balanced funds category that have struggled to beat the benchmark.

Source: ACEMF, PersonalFN Research
Performance for the period July 29, 2015 to July 31, 2018
Past performance is no guarantee of future results

Belonging to a process driven fund house, it gives high importance to risk management.

Despite being a hybrid fund, it is well capable of generating market beating returns for its investors and strictly resists from putting investors’ money to unnecessary risk.

In simpler words, it is like a bed of diamonds buried in your backyard and you don’t know about it. Crazy, right?

They are well poised to generate massive wealth for you in the years to come.

Want to generate potentially double or triple digit returns from your mutual fund investments? These five future market darlings might be ideal for you.

As we told you, these funds are extremely rare.

What’s more? We may be the FIRST to tell you about this.


Nobody is talking about them.

Nobody even knows about them.

It’s your golden opportunity to outperform the market in the next few years and supercharge your wealth-building process

And we have got yet another reason for you...

An Introductory Discount of
A Whopping 81 PERCENT!
~For the first 500 subscribers~

Given its potential, we have priced this report at Rs 5,000 - almost a negligible fraction of the several lakhs in return that you might generate from your investments in the next 5-7 years.

Truly, this report should be worth much, much more.

But we have kept it at this price to make it affordable to as many investors as we can.

We won’t claim we are giving it away at the loss of the company. That would be an exaggeration!

However, we are keeping it reasonable enough to make it a win-win situation for both you and us.

You sure don’t want us to go out of business, right?

But wait! Didn’t we just write about some discount in the headline?

Sure, we did!

Look, this is a very special report and to make it even more special...

We have something...umm, special...for you.

How about you sign up right now and we offer you an instant 81 percent discount on the usual price of Rs 5,000? Sweet and simple. No questions asked.

That is, this report is available to you at Rs 950 only- at a one-time fee and nothing else.

Is it not amazing?

However, there’s a catch.

We cannot give it away to everyone, you see.

This is an exclusive report and the content inside is valued in gold.

We have decided to make it accessible at this price to a few subscribers only, that is, first 500 early subscribers.

Needless to say...

If you want to get access to these five unique funds and set out on to securing your dream retirement, meeting financial obligations and living the life you always wanted,


Secure Your Financial Life.
Achieve Your Dreams.

Time and tide waits for none, our friend.

It’s now or never.

If you are still thinking, don’t!

Because by the time you would have decided to go with this offer, you might be too late - late than the five hundred subscribers who took immediate action right before you.

Remember, these funds are highly rare. Sooner you invest, higher the returns you might generate over time.

It’s your call.

Do you aspire to be responsible to your near and dear ones?

Do you aspire to buy your dream home by the beach?

Do you aspire to live a happy and blissful retired life?

This is YOUR chance.

Click Here To Get Access To These
Five “Rising Superstars of Tomorrow”

To your wealth,

Team PersonalFN

P. S. This offer is limited for the next 500 subscribers. Do not delay or you might miss this forever. Act now.

P. P. S. These ‘unique’ funds might have the potential to generate double or triple digit returns in the next five to seven years. And yes, you probably get to know them first in this exclusive report only. Almost no one talks or even knows about them.

*Price inclusive of applicable Goods and Services Tax (GST)

© 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. Limited (PersonalFN) is not providing any investment advice through this service and, does not constitute or is not intended to constitute an offer to buy or sell, or a solicitation to an offer to buy or sell financial products, units or securities. 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. 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. The user must make his own investment decisions based on his specific investment objective and financial position and using such independent advisors as he believes necessary. The performance data quoted represents past performance and does not guarantee future results. As a condition to accessing PersonalFN's content and website, you agree to our Terms and Conditions of Use, available here.

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