Does your bank offer you easy personal loans even before
Does your neighbourhood Insurance Advisor
make it a point to keep you in good humour?
And they all represent Big Businesses.
Just shows how much Big Business is ready to bet on
Would you not bank on your own financial worth?
We'll show you how you can immensely profit from just
knowing how much you are really worth and acting on
"I was impressed by the diligent preparation and lucid
explanations in a presentation he made at my company.
I later discovered how strictly he sticks to a product's
specific utility to a client while recommending options."
- Mr. K Yashwant Nayak, Sr Manager, M&M
What Would You Like
To Do With Your Extra Money?
Achieve an Education Abroad?
· Go on a Memorable Honeymoon trip?
· Buy A Dream Home?
· Significantly Enhance Your Lifestyle?
· Acquire A Self-employed Status?
· Settle Your Children in Life?
· Ensure an Enjoyable Retired Life?
possibly do all of it, or at least, most of it.
And it's not really a tall order...
And, we'd show you how...
But hang on...
" Traditional investment methods would be inadequate
in my hopeless situation when I retired. Today, I
survive financially by these scientific methods."
" Even with hindsight you cannot match these methods-
Rs 7.5 lakhs to Rs 32 lakhs- that too with careful
- Mr. K. Y. Nayak, Sr Manager, M&M Ltd.
First Things First,...
Much are You Really Worth?
Consider a monthly
salary of Rs 10,000 per month. Over a 30-year period
this salary will mean a total earning of Rs.36 lacs.
If this entire salary could be invested at 10% per annum
(rate of return) at the end of every month during this
period, this will mean a sum of Rs 2 Crores 23 Lacs
70 Thousands at the end of 30 years. Check the following
table to find out results for different periods and
different rates of return:
Rs10,000 Per Month Will Become
At 10% Per annum
At 9% Per annum
At 8% Per annum
At 7% Per annum
data give you an idea about the size
of your salary cake for the rest of your
working life. Creating a fortune would begin with holding
on to biggest possible slice out of this salary cake...
a person holding on to 10% of his salary of Rs 10,000
per month for 25 years will have managed to create Rs
11.21 lacs at 9% per annum, a sum relatively immense
for somebody earning only Rs 1.20 lacs per annum...
true at every salary level and at any rate of return
on account of regularity and time value benefits...
get known amount of earning at known dates. House and
consumer durable purchases are financed through EMIs
(equated monthly instalments) of loan repayments by
utilising this known income stream to make these purchases
to use the same power of salary to build your wealth,
and the result will obviously be a miracle...
S.K. Chakrabarti, Vice President, Bombay Dyeing,
The Truth About Your Money Now
Let us try to find out the quantum of real
gain/loss in value of your money with reference
to a 8.5% annual rate of inflation that we should normally
plan against. A sum of Rs 1,00,000
will be worth the following amounts after the
periods mentioned in column 1 at various rates of returns
as indicated in the following table:
Effect Not Considered)
if you are earning a rate of return lower than the rate
of inflation, you will not be actually
growing your money...
Similarly, the more the actual growth rate of your money
is above or below the inflation rate, the faster your
real money will grow or deplete, not
Read the above sentence again. Try to fully understand
what we are trying to say. This information is of immense
import and most of us are totally unaware of this...
" Helps me build my ideas into a cohesive whole
plan of action, clarifies my gray areas, avoids
my mistakes- most importantly without risk to my
Aniruddha Bhattacharyya, Software professional,
Accenture Services, Mumbai.
Changing Money Game, Fine prints and how They Affect
have been large changes in the investment arena over
the last few years, which all of us have experienced
but might not have noted in an overall framework. Let
us look at the following for a quick recap:
1.Income tax law and rates have seen many changes.
More changes are in the pipeline.
Lower incentive to avoid tax
Tax-free incomes become less attractive
A number of investments can reduce Taxable
Income- need for the right product choice
2.Interest rates continually coming down following
lower general inflation rate.
Inadequate returns to cover items of higher price rise like
electricity charges, property tax, healthcare,
education, transport costs, telephone bills
3.A number of new banks has come up and banks
are given freedom in fixing interest rates.
Numerous choices of banks, products, rates
of returns call for a process of shopping even
for keeping money in banks.
4.PO interest rates are no longer stable over
a reasonable period.
Extent as well as timing of change is unpredictable.
It need not be at budget time or while announcing
credit policy or even the beginning of any month.
PPF interest rate reduction applies to both new
deposits as well current balance of as past deposits.
Long-term PPF depositors trapped at low interest
rates. (Partial remedy available through allowable
6.Higher voluntary contribution to PF affected
by PF rate reduction.
Huge long-term costs by way of low returns
on deposits that were not compulsory.
A number of new Insurance companies and widely different
Schemes are available.
Buying right insurance policies would need
considerable analysis and deciding on the right
Economic situation continues to be sluggish in general.
Also, businesses are now exposed to new risks.
Even good companies turn suddenly bad, making
company FDs the most risky option for an investor.
Past experience shows bullish business sentiments
get completely ruined by sudden unforeseen disappointments.
Only a few years back, investors have experienced
huge disappointments with IDBI Flexibonds, UTI Rajlaxmi,
It is now clear that all is not well with our
public financial institutions held in high regard
for years mainly because it represented our
own government to us.
10.Mutual-fund industry has developed at a fast
pace in the last few years. But at adverse times,
most fail to make the cut by performance.
There are about 1000 different options available
to us, which widely differ in risk exposure,
return expectations and taxability. Moreover,
there are large differences in the level of
professional skills displayed by various fund
managers in these funds.
11.A number of changes has taken place in the
rules of play in the stock market.
Change of rules have left many investors (who
could not read the implications correctly) stranded
with useless scrips and hardly any chance of
the above changes bring out a trend...
that we need to unlearn old rules, understand the full
range of available choices and size up each option with
latest up to date information in the light of our own
goals, likes and comforts if we have to take correct
of us this is awesome, or at least confusing...
you how you can deal with
" Agents and brokers have sold me products which
often do not match my needs. Once I got into this,
I identified and got rid of them for better results."
Saurabh Talwalkar, Software professional, Pune.
your returns with Insights, Focus…
the above changes bring out a trend...
We notice that we need to keep on unlearning old rules,
keep abreast of the full range of available choices
and size up each option with the latest up to date information
in the light of our own goals, likes and comforts if
we have to take correct decisions...
For most of us this is awesome, or at least confusing...
We'd show you how you can deal with this challenge...
" I completely misread the simplicity of his financial
plans, added a lot of transactional activity and
used different ideas. Finally I found my results
to be much lower than if I'd stuck to the Plan.
I came back on course in 18 months. These Plans
are well crafted but simply laid out."
Arindam Chattopadhyay, Project Head, Reliance
You Also Make These Mistakes While Dealing With Your
who came to us earlier made one or more of the following
type of mistakes.
Consider if these also apply to you:
Are you satisfied with the amount of attention that
you are able to give to your personal finance?
Or, do you lack the required time?
Do you depend on your banker to recommend where to
keep your money rather than personally
comparing banks (or investment options), their rates
of returns or their various products?
How do you decide where to invest? Do you depend
on your friends, relatives and colleagues?
Do you ignore your discomfort or unease that
you might not have chosen your best option?
Or, would you prefer the convenience of checking
with your agent or broker to help you decide where
and how much to invest?
Do you discount the possibility
that you may end up not have been presented your best
Do you sometimes end up choosing an investment product
without full satisfaction because of an impending
deadline beyond which assured returns would reduce
or the attractive product would no longer be available?
Have you sometimes tried to emulate a friend or a
colleague in investing your money and later on felt
disappointed with the results?
Have you at any time joined a group of friends in
taking up a moneymaking idea and later come to grief?
(Statistics show that most of these ideas are like
lottery or gambling when looked at from the point
of view of Mathematical Probability.)
Would you prefer to decide on your investments by
reading newspaper and magazines and believe that you
would not miss any relevant aspect on the issue?
(Disappointments with IDBI Flexibonds, UTI
Rajlaxmi, or Unit'64 actually occurred due to overlooked
Mr. Kale attempted tax planning decisions on his
own and landed into a tax problem at the time of scrutiny
of his tax return.
He was ignorant of some finer
aspects, some of which ironically were to his own
In each of these cases, your best interests are somehow
in danger of not being served...
Most of you would be taking it transaction by transaction.
This would not bring to focus your long-term interests
and goals. The best for the moment is very often not
even good in the long run...
We'd show you a better way to handle your personal finances
and how it is easily available to you...
As you have noted in an earlier section, today's investment
scene is diverse and options are many. You need to devote
a vast amount of your time to be able to make the best
We'd show you a better way to handle your personal finances
and how it is easily available to you...
it a good time to start investing seriously?
We do not depend on timing our investments. The time
horizon is also long term. Therefore, this question
is not appropriate for our type of work...
Our best performance has been when there is a downside
risk. On this count, our early clients have benefited
immensely from our methods...
We Helped Others Like You:
We apply systematic methods to steer you clear of
investment risks, at the same time harnessing rich,
rewarding returns for you...
It has taken us years to develop an effective method
to understand, analyse, categorise and effectively deal
with risks to your money...
There is sound scientific basis to all this. While it
is impossible to find risk-free avenues, we shall choose
for you building blocks which will carry some types
of risks which will be actually irrelevant in your specific
We shall also apply our secrets on creating the most
efficient investment mix for you. We are constantly
scanning all available choices with a microscope...
We draw encouragement from the fact that every one of
our clients, who has come to us, is happy about our
scientific methods as well as the results obtained.
They are also appreciating our conservative approach
and honest commitment...
We are proud to exceed expected results in all individual
cases in the last 6 years. It was actually a difficult
period for investments in India...
Initially set up to help VRS optees, word-of-mouth has
brought us clients among NRIs, normal retirees, senior
Corporate Executives, salary earners and others...
How you can set
off on your high growth path:
An overall Personal Financial (Strategic) Plan
rather than a framework for decisions on each transaction
with short term focus. With this, you set out on your
path to create your fortune...
A Financial Plan which will take into account your
specific financial situation, earnings, responsibilities,
likes and dislikes, fears, hopes, aspirations and
concerns. In this way, you will determine your safety
and liquidity requirements...
A Financial Plan which is not only to your taste
but also finally personally approved by you. You are
not being enrolled for a standard Plan...
A realistic improved return ( 6% per annum or more
higher than normally available returns, i.e. 13% or
more vis-a-vis 7% per annum bank interest) due to
informed and scientific planning rather than sky high
expectations akin to gambling. Your rate of return
will depend on your chosen level of investment risks...
A scientific methodology, which will effectively
comprehend, analyse, categorise and deal with various
risks to your money, so that only chosen types of
risks (irrelevant to your goals) may be tolerated...
There will be an ongoing review of your investments
made in pursuance of the Financial Plan...
"I must admit to have made a very costly
mistake in not following some of the recommendations.
My good results from the Planning would have been
spectacular if I had followed them."
Subramaniam, Ex-Assistant General Manager, State
What else you can expect
We guarantee "no clash with your interests". We
would neither handle your money nor have any direct
or indirect interests in selling or distributing any
personal finance product to you...
A way of life which will take away the last-minute
decision making to save tax or to take advantage of
an option which will no longer be available...
A way of life that will be immune to manipulative
push from personal finance product sellers or incomplete
A higher return ensures a more effective hedge
against inflation over the longer run...
You will get highly tax efficient returns involving
little or no taxation related to investment income...
Evaluating Your Benefits:
are in safe hands. There can be no clash with
can say "Good Bye" to groping in the darkness on your
personal finance matters. With a Personal Financial
(Strategic) Plan in hand, you are virtually in
are able to earn substantially higher returns
(at 15% per annum or more, you are 7% per
annum or more higher than generally understood
safe levels of bank interests) along with comfort
about safety of your money...
need not worry about missing opportunities
because investments that fit your personal plan are
already considered and included...
Personal Financial Plan will ensure that you earn
more than applicable inflation rate and do not lose
your purchasing power. Your worries about interest
rates can be a thing of the past...
can stop worrying about stepping into prohibited
areas in terms of investment risks. The
risk control mechanism will ensure that no
harm comes your way from overlooked
risks as had happened with IDBI Flexibonds,
UTI Rajlakshmi or Unit'64 to many...
Personal Financial Planning includes your planning
for your tax liabilities. You will, therefore, not need
to do any separate Tax Planning exercise...
can save and invest Rs 30,000 per month based on
a Personal Financial Plan, you are likely to benefit in
the following way:
Gains take into account the fact that Bank Interest
Similarly, every Rs 10 lakhs of your existing
savings invested according to Personal Financial Plan
will fetch you an annual benefit of Rs 101,000 in
the first year itself...
is owing to your gains on account of better Tax
Planning. You are likely to have little or no Tax
Liability on account of the investments...
Moreover, the Risk Management Tool is invaluable
(anything similar is not readily available) and in absence
of a better tool should be considered as an insurance
against potential losses...
substantial financial benefits can result from drawing
up a Personal Financial Plan for you, apart from the
peace of mind you get as a result of managing your money
in an informed and scientific way...
" Novel methods, sound reasoning power, very educative
every time. Makes it really easy for a layman."
V. K. Mehendale, Ex-Sr Manager, State Bank Of India,
How Putting off Your Decision Will Play Out for
for a Personal Financial(Strategic) Plan will help
you to deal with your lack of time. It
will free up your time for pursuing your other interests.
This is a valuable gain to you...
bring to focus your goals and anxieties and your personal
finances will be geared towards meeting your personal
needs-both present and future. You will deal with
your money efficiently without taking up unreasonable
risks. You will create a fortune
for yourself at a pace with which you will be comfortable...
will also be paying no(or negligible)
taxes on your investment returns...
will take away hurried decision-making and piece-meal
viewing of your personal finance for ever...
entire process will bring quiet and peaceful efficiency
into your life...
can join the group of people already benefiting from
such an exercise...
it entails a substantial financial benefit and reduction
of hassles for you, putting off this for tomorrow
can be costly in terms of your missed benefits...
Because your investment returns gather pace
as time passes, the annual return in later years are
when you delay investing by a year what you miss is
the last possible year's return.
example, if you have 5 or 10 years of investing possible
and you delay by a year, your 5th or 10th year, as applicable,
will be missing not the first year's return, but that
applicable to your 5th or the 10th year as is the case.
Imagine that you considered investing Rs 10
lakh today. If you had only 10 years of investing available
today, if you miss your 10th year you will be poorer
by Rs 2.30 lakh even if your investment return is only
10% per annum.
Larger amounts, longer available periods and higher
targeted return will involve proportionately more missed
YES! I Do Not
Want to Waste My Financial Potential.
I Want to Find Out More About My Personal Financial Strategic Plan
I have made sure that my money would at
all times be under my own control.
I noted that I can enhance my financial
position to levels far beyond my imagination
as it becomes possible to manage my
personal resources in a far more efficient
I realize that I will have to completely
avoid far too expensive mistakes arising
out of any impulsive decisions on
investing or of investments resulting
from inadequate advice.
I have to strictly scrutinize inputs from
television reports, newspapers, magazines,
friends or family members.
I am relieved that it is not necessary
to take recourse to risky options
for sustained gains from long-term
In fact, risky options may harm my sound
I understand that in order to obtain substantial
returns while avoiding unnecessary
risks to my money, professional inputs
resulting from deep insights and tight
focus would be essential.
I am entitled to receive professional advice
and care of high quality, which will
strictly follow scientific methods
of investing; solely for my own long-term
interests and that there is no unreal
promise of a high return.
My Strategic Personal Financial Plan will
take into account steps for lowering
my income tax liability.
I will also receive advice for a whole
year based on regular monitoring of
To Get Started with
Your Personal Financial (Strategic) Plan
NOW, you need to click below to