Retire Rich

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Retire Rich, a Premium Service managed by Vivek Chaurasia & Rounaq Neroy (Co-Heads of Research), is a DIY retirement solution which could guide you to 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, but a complete all-around solution to guide you with almost ALL necessary essentials of retirement planning.

As a premium member of Retire Rich, you will receive a monthly series of retirement notes from Rounaq bringing forth potentially the best investment ideas and opportunities most suitable for a happy and blissful retirement. It also provides monthly performance review and updates from Vivek on all the mutual funds he has recommended under the service.

Retire Rich is a research subscription service backed by our proprietary SMART Score Matrix.

Retire Rich carries the expertise of a research team which has been researching and recommending mutual funds since 1999. It delivers unbiased and independent opinion on mutual funds which we think have a very high potential to help you meet your financial goals

What is the goal of Retire Rich?

The goal of Retire Rich is to handhold subscribers in their journey to a financially independent retirement. It aims to deliver potentially high returns by means of optimally allocated Mutual Funds, to together build a decent potential corpus for one's dream retirement.

What does Retire Rich offer?

Retire Rich offers THREE solid & tested strategies to build potential retirement wealth. Each of these strategies comprises of a ready set of equity, debt and gold mutual funds, cherry-picked based on the S.M.A.R.T Score process with the sole aim of securing a potentially wealthy retirement.

The first strategy is for the young 'high risk-high reward' investors who want to play the market and beat it by a significant margin. This 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. It would ideally comprise of 90% equity, 7.5% debt and 2.5% gold.

The second strategy is for the cautious investors about 45-60 years of age and nearing retirement in a few years. A time when 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 comprise of 70% equity, 25% debt and 5% gold.

The third strategy is for investors above 60 years of age, who are probably retired and struggling. 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 35% equity, 60% debt and 5% gold.

Who are the editors of Retire Rich?

Rounaq Neroy (Research Analyst) is the editor of Retire Rich series. He is also the Chief Editor of PersonalFN's newsletter - Daily Wealth Letter. Read by over 1.5 lakh subscribers this letter brings to you independent and unbiased views on a variety of subjects in the world of personal finance. Rounaq is a post-graduate in commerce (M.Com), has to his credit an MBA (in Finance). He is also a gold medalist in Certificate Programme in Capital Market (from BSE Training Institute in association with JBIMS).

Having seen the financial services industry very closely for over 15 years, and being a firm believer that every mutual fund distributors and investment adviser should serve investors/clients with ethics, integrity and sincerity - be a financial guardian to their clients. Rounaq, has also designed an e-learning course for investment advisers, to help them become a Certified Financial Guardian.

Rounaq joined PersonalFN in 2009, as a Research Analyst, and ever since then, there's no looking back. Before joining PersonalFN, he has worked with the BSE Training Institute (where he wrote investor education modules); was a lecturer in finance, and has also been a mutual fund distributor himself.

Vivek Chaurasia (Research Analyst) , is the editor of FundSelect and FundSelect Plus, the flagship research services of PersonalFN. He is also an active contributor to PersonalFN's most popular newsletter, Daily Wealth Letter. Vivek closely monitors the portfolio strategies recommended under Retire Rich and shares his analysis and insights with subscribers. Having over a decade of experience in analyzing mutual funds, Vivek understands functioning of the mutual fund industry very well and applies his financial and analytical skills to closely scrutinize each fund to his satisfaction.

Vivek joined PersonalFN as a Senior Research Analyst, in 2009 and quickly adopted the philosophy of our research team, i.e. honest and unbiased research for naive investors, who are tired of being mis-sold. Over these years, he has developed a robust fund selection and filtration model - 'SMART Score model' that has been tested across various cycles now and constantly looks for scope to strengthen it further. Vivek follows the principle of safety first when it comes to picking funds for investors. That is the reason he has a long list of rejected funds as compared to the ones he has endorsed so far.

What is the frequency of the reports and what is the minimum number of reports expected annually?

The Retire Rich series strategies are accessible 24X7 to existing members without any conditions. However, the monthly reports are published by the 10th of the month (or the next working day incase 10th is a holiday). So, there would be minimum 12 reports each year which will have ready investment solutions for different category of investors.

However, if certain market conditions warrant changes in recommendations, subscribers will get notification through our special update mails over and above the monthly review and updates. In addition to the monthly performance review, any crucial update on funds covered under Retire Rich will be communicated to Retire Rich subscribers.

What Retire Rich does not offer?

Retire Rich is a generalized recommendation service. We do not offer customized or personalized opinions for any particular subscriber or individual under Retire Rich. We strongly recommend our subscribers seek professional advice before taking any decisions for their investments.

I want to know more about Retire Rich. How should I proceed?

You can write to us with all your queries and we will be delighted to assist you. Alternatively, you can call us on +91-22-61361200 between 10 am to 6 pm from Monday to Friday, and 10 am to 2 pm on Saturdays.

How can I try Retire Rich?

We are delighted to inform you that you can try Retire Rich completely risk free! There's a 30-day money back guarantee. So if it turns out that you don't like Retire Rich, we'll gladly give back every rupee you paid.