wealth4u

UNKAA KAL DEKHIYE AAJSE...Childen Plan

2011-01-21T00:43:00.000+05:30

UNKAA KAL DEKHIYE AAJSE.............Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com [Disclaimer: Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. * Insurance is the subject matter of solicitation.]

BIRLA CAPITAL PROTECTION IS THE BEST FUNDmulation

2011-01-18T18:50:00.000+05:30

bsl cap pro 3 - 4 - simulation CHECK THE CALCULATIONS YOURSELF TO KNOW WHY NTHIS IS THE BEST SCHEME.

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com [Disclaimer: Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. * Insurance is the subject matter of solicitation.]

LIC can't issue infra bonds over regulatory glitch - The Economic Times

2011-01-18T14:23:00.000+05:30

LIC can't issue infra bonds over regulatory glitch - The Economic Times Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com [Disclaimer: Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. * Insurance is the subject matter of solicitation.]

LIC can’t issue infra bonds over regulatory glitch � Journal Of Finance

2011-01-18T14:20:00.000+05:30

LIC can’t issue infra bonds over regulatory glitch � Journal Of Finance Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com [Disclaimer: Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. * Insurance is the subject matter of solicitation.]

ICICI, Axis Bank infra NBFCs hit RBI hurdle - The Smart Investor

2011-01-18T14:18:00.000+05:30

ICICI, Axis Bank infra NBFCs hit RBI hurdle - The Smart Investor New posting regarding the latest experiment.

How to Invest in Gold

2010-12-04T17:45:00.002+05:30

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Contact wealth4uplanner@gmail.com for free advice and no charge investments.

Also, see LINK HERE>

AIG World Gold Fund

A Case for Investing in Gold »

Gold Market Update - June 2010 »

Why invest now?

	There is an increasing investor demand for Gold in these financially turbulent times.

	Gold mining stocks generally outperform Gold and Gold ETFs during periods of rising gold prices. Gold mining stocks have earnings and resources leveraged to the price of gold. In other words, as the price of gold rises, profits of gold-mining stocks tend to rise even more in percentage terms.

	The underperformance of Gold Mining Stocks during the 2008 meltdown has made them relatively more attractive vis-a-vis Gold and Gold ETFs.

	Normally a 5-10% exposure to Gold (Bullion + ETFs + Gold mining stocks) in an investor's portfolio is recommended by most financial advisors.

Presenting AIG World Gold Fund

The AIG World Gold Fund is an open-ended Fund of Funds scheme that invests in the equity of gold mining companies through Falcon Gold Equity Fund based in Zurich.

"Falcon Gold Equity Fund wins Lipper Fund Awards 2010"

Falcon Gold Equity Fund, the underlying fund of AIG World Gold Fund, has been awarded Best Fund two years in a row at the Lipper Fund Awards 2010 in the category Equity Sector - Gold and Precious Metals for the 3 year and 5 year performance periods.

(Past performance may or may not be sustained in future)

For details on the Award methodology, please visit http://www.lipperweb.com

For Scheme specific Risk Factors and other details, please read the Scheme Information Document and Statement of Additional Information carefully before investing.

PRAMERICA Mutual Fund launched

2010-11-10T18:23:00.000+05:30

PRAMERICA Mutual Fund launched. Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com [Disclaimer: Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. * Insurance is the subject matter of solicitation.]

Super Performing Funds for SIP

2010-11-09T10:38:00.000+05:30

Kindly DOUBLE CLICK ABOVE LINK / TITLE FOR FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com [Disclaimer: Mutual Fund Investments are subject to Market Risks. Investors are advised to read the Offer Documents & Other Risk Factors carefully before investing in any scheme. Past performance may or may not be repeated in future. * Insurance is the subject matter of solicitation.]

Save Tax - ICICI Tax Plan

2010-10-13T00:59:00.000+05:30

Wealth4u/FaceBook-Profile

ICICI Prudential TAX PLAN

Rs. 1,00,000 invested in Dividend Option 1999 (on inception)

Has paid total tax free Dividend of Rs. 3,87,000

Value of investment as on 4th Oct, 2010 after paying all dividend is

Rs. 2, 25, 500

Dividend History

Sr. no.	Date	% Dividend	Dividend Paid
1	12/03/2000	60.00	60,000
2	24/07/2003	12.00	12,000
3	25/03/2004	45.00	45,000
4	28/12/2004	25.00	25,000
5	24/08/2005	25.00	25,000
6	23/03/2006	50.00	50,000
7	11/10/2006	25.00	25,000
8	02/09/2007	50.00	50,000
9	17/08/2007	20.00	20,000
11	18/07/2008	15.00	15,000
12	12/04/2009	40.00	40,000

Total Dividend

387.00

3,87,000

Rs. 1 Lakh invested in Growth option has grown to

More than 15 Lakhs in 11 years (as on 4th Oct, 2010)



		Partner Name "wealth4u" Email Id: wealth4uplanner@gmail.com

Investments in Mutual funds are subject to market risks. Please read the offer document carefully before investing. Past performance may or may not sustain in future & should not be used as a basis of comparison with other investment options.

IDFC 1st to Launch Infra Structure Bonds to Save Income Tax as well as Earn Guaranteed 8% interest

2010-10-08T19:41:00.001+05:30

Dear Income Tax Payer,

*Invest in*
IDFC Long term
Infrastructure Bonds
*("LAAA" Rated)*

Save tax upto Rs. 6,180*

LAST DATE 18th Oct 2010

Under sec 80CCF, one can invest upto Rs. 20,000 for additional tax
deduction in addition to the current Rs. 1,00,000 tax slab.
Moreover these bonds offer one, the stability of fixed returns and
ensure safety of capital.

*Benefits of investing in IDFC Infra Bonds*

* *After having utilized the 1 lakh limit under section 80C, the
budget has provided with a new section under section 80CCF whereby
a person could save further Rs. 6180/- in highest tax bracket, by
investing Rs. 20,000 in IDFC Long Term infrastructure bonds.*
* *It helps in intermediating the retail investor's savings into
infrastructure sector directly.*
* *Investors can mortgage or pledge these bonds to avail loans after
the lock-in period.*
* *No TDS shall be deducted.*

/Mandatory Requirement: DEMAT account and PAN./
/NRI clients cannot apply in the issue./

In case U do not have a DEMAT, U need to apply IMMEDIATELY since it may take at least 10 days.

Long term infrastructure Bonds

What are infrastructure bonds?

In 2010, the government introduced a new section 80CCF under the income tax act to provide for income tax deductions for subscription in long-term Infrastructure Bonds. These bonds offer an additional window of tax deduction of investments up to Rs. 20,000 for the financial year 2010-11. This deduction is over and above the Rs 1 lakh deduction available under sections 80C, 80CCC and 80CCD read with section 80CCE. Infrastructure bonds help in intermediating the retail investor's savings into infrastructure sector directly.

Long term infrastructure Bonds by IDFC

The issue of Infrastructure bonds by IDFC is the first public issue of Long-term infrastructure bonds. These bonds have got a very high rating of LAAA by rating agency ICRA.

Series	1	2	3	4
Face Value	Rs 5000 per Bond
Minimum number of Bonds per application*	Two Bonds and in multiples of one Bond thereafter. For the purpose of fulfilling the requirement of minimum subscription of two Bonds, an Applicant may choose to apply for two Bonds of the same series or two Bonds across different series.
Interest payment	Annual	Cumulative	Annual	Cumulative
Interest Rate	8.00% p.a.	N.A.	7.50% p.a.	N.A.
Maturity Amount per Bond	Rs. 5,000	Rs. 10,800	Rs. 5,000	Rs. 10,310
Maturity	10 years from the Deemed Date of Allotment
Yield on Maturity	8.0%	8.0% compounded annually	7.50%	7.50% compounded annually
Buyback Facility	N.A.	N.A.	Yes	Yes
Yield on Buyback	N.A.	N.A.	7.50%	7.50% compounded annually
Buyback Amount	N.A.	N.A.	Rs. 5,000 per Bond	Rs. 7,180 per Bond

Tax adjusted yield to investors

Investment Amount	Tax Slabs
20000		Series 1	Series 2	Series 3*	Series 4*
	30.90%	13.89	12.06	17.19	15.74
	20.60%	11.57	10.52	13.41	12.57
	10.30%	9.64	9.18	10.23	9.86

Invest in IDFC Bonds Today

The bonds don't attract any TDS
The interest accrued on the bonds will be credited to the respective bank registered with the demat account through ECS on the due date for interest payment
The bonds will be listed on NSE and BSE and can be traded after the 5 year lock-in period
Investors can mortgage or pledge these bonds to avail loans after the lock-in period.
An investor would need a demat account and pan card to invest in these bonds.
The bonds will be issued only to Resident Indian individuals (major) and HUF
An applicant may subscribe to all the four options but the minimum application under each option shall be one bond i.e., Rs. 5,000
Interest on the bonds shall be payable on annual or cumulative basis depending on the series selected by the bond holders
http://www.idfc.com/infrastructure_bonds.htm
http://www.idfcsski.com/CMT/Upload/ArticleAttachments/IDFC-Bonds%20Issu e_Prospectus_Tranche_final.pdf
http://www.njindiainvest.com/uploads/webnest/admin/idfc_pn.pdf

NJ Partner Company "wealth4u"

Email Id: wealth4uplanner@gmail.com

*Disclaimer: NJ India Invest Pvt. Ltd. / wealth4u do not take any responsibility or liability, expressed or implied, whatsoever for any investment decisions made or taken by the readers of this mail based on its content thereof. The mail readers are strongly advised to exercise due caution and/or verify the contents and/or take independent professional advice before making any investment decisions based on any information, content, statement, opinion expressed or implied in this mail. All rates are subject to change. *

Launch of e-Voting facility for Investors as Equity Share Holders

2010-10-08T17:36:00.000+05:30

Launch of e-Voting facility for Investors as Equity Share Holders.

This information is being brought to you by

wealth4u / http://wealthforyou-wealth4u.blogspot.com/

as an educational effort / knowledge sharing service.

A revolution is in progress....the facility for Investors as Equity Share Holders viz. e-Voting is being implemented by CDSL who provide you with convenient, dependable and secure depository services.

Your CDSL demat account is now providing e-Voting facility through CDSL Ventures Limited (CVL), a wholly owned subsidiary of CDSL is yet another stride to empower the esteemed investors.

What is e-Voting?

e-Voting is a facility available to the Companies to enable their shareholders to cast their vote electronically on the resolutions requiring postal ballot.

How does it benefit the shareholders of the Company?

e-Voting is an internet based platform which enables investors to take part in the decision making process of companies in the comforts of their homes or offices.
The shareholders can vote easily on any number of resolutions for any number of companies in which they are eligible to vote.
Shareholders can also view the resolution file on the e-Voting website.
Filling up of physical Postal Ballot and returning it to the Company, is not required to be done by the investor.
Provides ample time to vote – Till the last day & last minute.
There is no scope for invalid votes.

This service is offered absolutely free of cost to investors.

For further information do visit us at: www.evotingindia.com

e-Voting makes your vote count 'Wherever & Whenever'

Evergreen Investment Mantra

2010-09-16T00:24:00.000+05:30

Once again the methodology of SIP investment has proved it's worth. Do check your valuation report where you will be surprised to discover an average return of 40% to 50%. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4uplanner@gmail.com

ICICI Pru Life Insurance Presentations of New Products / Brochures

2010-09-06T23:48:00.000+05:30

Subsequent to reduction in commissions to Insurance Agencies, all Life Insurance companies are in the process of re-launching their products and offerings in new designs and improved customer friendly features , in particular investment criteria.

Here are ICICI Pru Life Insurance Presentations of New Products / Brochures.

Did anyone convince you / that is FOOLED u to buy BEFORE 1st Sept. 2010, ULIP policy with 3 year lock in period ?.

Better GET HELP from LEARNING INITIATIVES by "wealth4u".

सस्नेह

wealthforyou-wealth4u.blogspot.com/

Wealth4u/FaceBook-Profile

Sonia Gandhi

2010-08-28T16:03:00.002+05:30

Hi,
Soon all of us will be eating genetically contaminated food. The Cabinet has just approved the Biotechnology Regulatory Authority of India (BRAI) bill which will allow genetically modified food into the country. The bill can be tabled in the Parliament anytime.

The BRAI will be a body of technocrats whose decisions will remain unquestioned. Our state governments and people like us will not be able to question this body.

To stop this, Greenpeace, a civil society organisation working on varied issues including sustainable agriculture, is sending an open letter to the National Advisory Council (NAC) Chairperson Mrs Sonia Gandhi. The letter asks her to make the Government re-draft this bill after consulting the public. I have already signed this letter and more signatures will make the case stronger.

Can you also sign this letter to Sonia Gandhi?

www.greenpeace.in/safefood/change-brai-bill-stop-gm-food-india/

Thanks!know sent it to you from the Greenpeace site. Greenpeace retains no information about individuals contacted through its siut your consent -- although your friends could, of course, send you another message.

New Concept ---PMS of Mutual Funds

2010-08-15T00:33:00.002+05:30

WHY NOT INVEST IN MUTUAL FUND
DIRECTLY ?........
Too Large choice of managers and schemes
Difference in scheme returns is huge
Investors invest on psyche and emotions
Over-divesification observed in investor portfolio
Asset Allocation – Discipline is not followed
===========================================WHY INVEST IN MUTUAL FUND

THROUGH PMS?........Read along at the

LINK HERE to NJ PMS of Mutual Funds
Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO PRESENTATION giving FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone No.. OR contact by email wealth4uplanner@gmail.com .

NJ : Updates Process - PMS of M.F.

2010-08-12T19:29:00.002+05:30

Please find attached a comprehensive user manual and Sample of Application Form which will help open
PMS Accounts with NJ / "Wealth4u".
HERE. PMS Instruction Manual + Sample Form.

Further, below would be the brief steps for opening a PMS Account.

"Wealth4u" will collect the forms and required documents from Client
and will inform the Client regarding the IPV to be done by NJ India
and Respective Bank Official & also will take a suitable time for IPV
to be done - (Date should be T+2 day after the submission of form at
PSC)
"Wealth4u" will submit the duly filled form along with required documents
at NJ PSC and CRO will check the form and documents (Incomplete forms
/ forms with incomplete documents shall not be accepted)
For all complete forms entry will be done in PMS Trax by CRO.
NJ IPV executive with the Bank executive will complete the IPV and
form will be dispatched to NJ-HO.
On receipt of the forms at NJ-HO, final audit will be done and necessary
accounts will be activated and clients will be informed under
consulation to "Wealth4u".
Note: Normal TAT for opening a PMS Account is 15 days from the receipt
of form at NJ HOs.

Super Investment Facts - Best Performing SIP Fund

2010-08-12T19:00:00.002+05:30

Hello,
Bet you will not find a better opportunity of WEALTH CREATION than these Best Performing S.I.P. schemes listed here.
LINK TO Best Performing SIPs.
Note the facts and do compare with any other option.
--

Home Property / Real Estate in Navi Mumbai

2010-07-03T14:37:00.000+05:30

Home Property / Real Estate in Navi Mumbai

Project Name Location Units Dimensions (Sq Ft) Rate Possession

Arihant Sparsh Vashi 3.5 BHK 1900 5900 onwards Dec-2010

Wadhwa Palm Beach Nerul 2.5-3 & 4 BHK 1395-1825-2115 8500 onwards 0ct-2011

Arihant Abhilasha Kharghar 2 BHK 1100 3800 onwards Dec-2012

Arihant Aradhana Kharghar 2 BHK 1085-1130 4200 onwards Jul-2010

Hex blox Kharghar 2-4 BHK 1230-1400 4545 onwards Aug-2010

Kesar Exotica Kharghar 2/3/4 BHK 1215-2590 5600 onwards Jul-2010

Real Estate Projects around Mumbai

2010-07-03T12:14:00.000+05:30

'wealth4u' in partnership with NJ Real Estate offers a total of 57 projects around Mumbai.
Do take the benefit of dealing thru' a large Distributing Agency which will be there for a long time to come and also can take up strongly the customer requirements to builders; unlike a small time individual.
NJ Realty distributes only a select Housing projects after due verifications of Title and other documents.

Kindly DOUBLE CLICK ABOVE TITLE or this LINK here Real Estate Projects around Mumbai
for FURTHER DETAILS such as Project Name, Location, Types of dwelling units, Area , Rate and date of possession.------------
-----------------------------------------------------------Do write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com.

VALUE STRATEGY PMS by Motilal Oswal

2010-07-01T17:24:00.000+05:30

Kindly DOUBLE CLICK ABOVE TITLE "VALUE STRATEGY PMS by Motilal Oswal" for LINK TO FURTHER DETAILS regarding "Being Focussed and Disciplined ....the ZEN of Investing".

---------------------------------------------------------------------1 crore invested in Value PMS in June 2003 is worth 9.72 crores as on 31st March 2010. For the

same period 1 crore invested in Nifty is now worth 4.96 crores.

Bank FD under Rs. 2 Crore; and Value of Rupee is half. So Bank FD is worth the same or LESS...NO GAIN whatsoever in FD.

Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com

VIP The New Champion for Regular Investors

2010-06-23T16:25:00.001+05:30

PERFORMANCE – VIP VS SIP---Do Compare!

Kindly DOUBLE CLICK ABOVE TITLE "VIP -

The new Champion for Regular Investors."

FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com

PMS schemes surpass mutual funds in returns

2010-06-22T23:43:00.000+05:30

PMS schemes surpass mutual funds in returns......that was Oct. 2005.......How is it 4 years later ?

Find out more at Learning Workshops of "wealth4u". Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR just drop a line to wealth4u@consultant.com

What is Beneficial ?--To invest NOW OR AFTER 1 JULY ?

2010-06-15T13:33:00.001+05:30

You would have of late received telephone calls and emails from agents of INSURANCE Companies

such as LIC, Birla SunLife, ICICI Pru etc etc

proposing "several attractive schemes of investments where

you need to pay money ONLY FOR 3 YEARS; and No Further."

DO YOU KNOW THAT THESE SCHEMES ARE GOING TO CLOSE with effect from 1 July 2010 ?

We at http://wealthforyou-wealth4u.blogspot.com/ received few queries as to

"Whether one should invest in these schemes NOW OR WAIT TILL 1 JULY ?"

"wealth4u" is glad to announce a SHORT [ just half an hour duration ] PRACTICAL LEARNING WORKSHOP on this very issue; and attempt to explain with reasons.

Kindly note that "wealth4u" supports NO Spot Admissions.

Admissions will only be by Prior Booking.

Email confirmation will be accepted.

Timing- various { pl. inquire }.

The fees is Rs. 200/= only.

Half of this goes to charity.

The Return on this Investment will be many fold --many times over.

We will calculate it for you.

With Warm regards,

"wealth4u"

Mirae Asset Emerging Bluechip Fund (G)

2010-06-12T15:57:00.001+05:30

Mirae Asset EMERGING BLUE CHIP Mutual Fund-Presentation.

Yesterday's Mid-caps today's Large-caps

Sr. No.	Company	Market Capitalization(Rs Crores)		Absolute Change (%)
Sr. No.		30-Apr-04	30-Apr-10
1	United Spirits Ltd.	297.39	15793.48	5211%
2	Reliance Capital Ltd.	1856.72	18158.42	878%
3	JSW Steel Ltd.	1174.81	22962.13	1855%
4	Kotak Mahindra Bank Ltd.	2350.44	25711.87	994%

For illustration purpose only. Source: Bloomberg

Note: During the same period i.e. between 30th Apr 2004 and 30th Apr 2010, BSE Sensex delivered 210% returns on an absolute basis. Past Performance may or may not be sustained in future.

The companies/sectors referred in this document are only for the purpose of explaining the concept of Mirae Asset Emerging Bluechip Fund and should not be construed as recommendations from Mirae Asset Global Investments (India) Pvt. Ltd. (Mirae Asset AMC)/ Mirae Asset Mutual Fund). The stocks indicated above are illustrative & may or may not form part of portfolio.

Why Emerging Bluechip companies now?

Emerging Bluechip companies offer relatively better return potential as is evident from the reasons below:

Performance:
Data analyzed over the past several years shows that small and mid-cap indices have outperformed large-cap indices. A consistent track record of outperformance by emerging Bluechip companies makes them an exciting investment proposition.

Source: MFI Explorer as on as on 30th April 2010

The above graph shows the growth of Rs 10000 invested on April 30, 2002 in S&P Nifty and CNX Midcap. The amount invested in CNX Midcap Index has grown far more to Rs 74,778 while that invested in the S&P Nifty has grown to Rs 52,600.

Past Performance may or may not be sustained in future and is no guarantee of future results.

Point to Point Performance:

Date	YTD* Absolute	Last 6 months Absolute	Last 1 year Compounded Annualized	Last 3 years Compounded Annualized	Last 4 years Compounded Annualized
CNX Midcap	8.5%	22.5%	108.8%	15.4%	11.9%
BSE Sensex	0.5%	10.5%	54.0%	8.2%	9.9%
S&P Nifty	1.5%	12.0%	51.9%	8.9%	10.4%

Source: MFI Explorer as on 30th April 2010: *YTD indicates Year to date returns from 01/01/2010 to 30/04/2010

Past Performance may or may not be sustained in future and is no guarantee of future results.

High earnings growth:
CNX Mid-cap Index is offering higher earnings growth for FY11 and FY12 (based on consensus forecasts) compared to Sensex. Momentum in earnings upgrade cycle for CNX Mid-cap Index has sustained versus pause/ decline in earnings for Sensex.
Reasonable valuations:
CNX Mid-cap index is trading at 20-30% discount to Sensex based on P/ E and P/ B ratio which makes investing in mid-cap funds an attractive proposition.
Source: CLSA, Feb 2010
Future scope:
There is scope for P/E multiples to expand when a company moves up from a small/ mid-cap size to a large-cap

Growth prospects:

Mid-cap stocks offer better growth prospects due to presence in a new segment or area that is growing at a faster pace.

Why mid-caps should be a part of your portfolio?

The right mix of mid-caps in your portfolio can help one optimize risk adjusted returns. As seen in the table below, a mix of 50% investments in large-cap and 50% in mid-caps leads to the right mix of returns and risk ratio.

Source: Bloomberg, April 2010

Past Performance may or may not be sustained in future and is no guarantee of future results.

Fund Features

Investment Objective To generate income and capital appreciation from a diversified portfolio predominantly investing in Indian equities and equity related securities of companies which are not part of the top 100 stocks by market capitalization and have market capitalization of atleast Rs. 100 crores at the time of investment. From time to time, the fund manager may also seek participation in other Indian equity and equity related securities to achieve optimal Portfolio construction. The Scheme does not guarantee or assure any returns.
Fund Type An open ended equity fund
Management Style Midcap fund with no theme/style bias.
Plans & Options The Scheme shall have a Regular Plan and offers two options viz., Growth and Dividend. Dividend Plan will offer Payout & Reinvestment facility.
Minimum Application Amount & Minimum Additional Application Amount Rs.5, 000/- and in multiples of Re. 1/- thereafter. Additional investments in an existing folio can be made for Rs.1, 000/- and in multiples of Re.1/- thereafter.
Benchmark CNX MIDCAP Index
New Fund Offer Price Rs. 10 per Unit

Mirae Asset Emerging Bluechip Fund (G)

Issue Open 24-May-2010

Issue Close 22-Jun-2010

Scheme Objective
Mirae Asset Emerging Bluechip Fund, is an open-ended equity fund. The investment objective of the scheme is to generate income and capital appreciation from a diversified portfolio predominantly investing in Indian equities and equity related securities of companies which are not part of the top 100 stocks by market capitalization and have market capitalization of atleast Rs.100 Crores at the time of investment. From time to time, the fund manager may also seek participation in other Indian equity and equity related securities to achieve optimal Portfolio construction. The Scheme does not guarantee or assure any returns.
Mutual Fund Family	Mirae Asset Global Investment Mgmt (I) Pvt Ltd
Fund Class	Equity Diversified
Fund Type	Open-Ended
Investment plan	Growth
Fund Manager	Gopal Agrawal / Neelesh Surana
Entry Load	0.00 %
Exit Load	1.00 %
Comment	Exit Load: 1.00% If redeemed within 1 year (365 days) from the date of allotment

With Warm regards,

"wealth4u"

Mirae Asset EMERGING BLUE CHIP Mutual Fund-Power Point Presentation. DOUBLE CLICK HERE.

2010-06-12T15:54:00.000+05:30

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO Mirae Asset EMERGING BLUE CHIP Mutual Fund-Power Point Presentation. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com YOU MAY LIKE TO FILL IN THE FORM ATTACHED AS A LINK ON THIS WEBSITE.

Mirae Asset EMERGING BLUE CHIP Mutual Fund-Leaflet. DOUBLE CLICK HERE.

2010-06-12T15:51:00.000+05:30

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS REGARDING Mirae Asset EMERGING BLUE CHIP Mutual Fund-Leaflet..

Do write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com.

http://www.miraeassetmf.co.in/Uploads/Downloads/Mirae_Asset_Emerging_Bluechip_Fund_KIM_24052010.pdf-DOUBLE CLICK HERE

2010-06-12T15:41:00.000+05:30

http://www.miraeassetmf.co.in/Uploads/Downloads/

Mirae_Asset_Emerging_Bluechip_Fund_KIM_24052010.pdf-

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO KEY INFORMATION MEMORANDUM. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com

if interested to invest.

Mirae_Asset_Emerging_Bluechip_Fund_Application_form-DOUBLE CLICK HERE

2010-06-12T15:36:00.000+05:30

Mirae_Asset_Emerging_Bluechip_Fund_Application_form-DOUBLE CLICK ABOVE TITLE AND PRINT.

SBI PSU FUND PPPresentation_ CLICK HERE

2010-06-09T18:39:00.001+05:30

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO POWER POINT PRESENTATION. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com [Insurance is the subject matter of solicitation.]

SBI PSU FUND PDF_ CLICK HERE

2010-06-09T18:28:00.004+05:30

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO PDF. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com [

SBI PSU FUND PDF_ CLICK HERE

2010-06-09T18:28:00.002+05:30

SBI PSU FUND LEAFLET_ CLICK HERE

2010-06-09T18:25:00.001+05:30

Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO LEAFLET. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com

Axis Income Fund BROCHURE - Double Click HERE.

2010-06-09T15:45:00.001+05:30

Axis Income Fund BROCHURE.

Gives 5 Reasons why one should invest in this.

RESTRICTS THE DOWNSIDE TO MAXIMUM 5 % in ALL market conditions with use of unique investment model.

Axis Income Fund BROCHURE - Double Click HERE.

2010-06-09T15:45:00.000+05:30

Axis Income Fund BROCHURE.

Gives 5 Reasons why one should invest in this.

RESTRICTS THE DOWNSIDE TO MAXIMUM 5 % in ALL market conditions with use of unique investment model.

Learn more about SEBI Investor Education Program / Double Click this Link

2010-06-09T15:39:00.000+05:30

Learn more about SEBI Investor Education Program.

Introduction
Different investment avenues are available to investors. Mutual funds also offer good investment opportunities to the investors. Like all investments, they also carry certain risks. The investors should compare the risks and expected yields after adjustment of tax on various instruments while taking investment decisions. The investors may seek advice from experts and consultants including agents and distributors of mutual funds schemes while making investment decisions.
With an objective to make the investors aware of functioning of mutual funds, an attempt has been made to provide information in question-answer format which may help the investors in taking investment decisions.
Kindly DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com [

Save the Whales

2010-06-09T15:30:00.000+05:30

Hi ,

This is unbelievable! Two Greenpeace activists Junicho Sato and Toru Suzuki, known as the Tokyo Two, are on trial and could face a prolonged jail term, simply for exposing large scale embezzlement and corruption with Japan's Whaling Programme.

Their trial has concluded and and the prosecution has demanded a year and six months imprisonment for them. This is the longest sentence ever demanded for Greenpeace activists in its history.

Whaling needs to be put on trial not those who fight it. Greenpeace is fighting to ensure that Junicho and Toru receive justice. I have already written a letter to the Japanese foreign minister asking him to spare the Tokyo Two and protect the whales.

Can you also write to the Japanese foreign minister?

http://www.greenpeace.org/india/demand-justice-t2

By writing to the minister we can show him that voice for whales cuts across borders. More letters means more pressure on him to act.

Together we can save the whales.

Thanks!

narawane.s@gmail.com

You are receiving this email because someone you know sent it to you from the Greenpeace site. Greenpeace retains no information about individuals contacted through its site, and will not send you further messages without your consent -- although your friends could, of course, send you another message.

AXIS INCOME SAVER FUND -Save up for all those little desires - Khwahishon Ko Tareekh Dijiye!

2010-06-09T15:02:00.001+05:30

AXIS INCOME SAVER FUND

Save up for all those little desires - Khwahishon Ko Tareekh Dijiye!

There are things that you have always wanted. Some little, some not so little. Things that bring you and your family a lot of happiness. Not to mention the joy that comes from the very act of gifting it to your loved ones.

But seldom do we have a plan for these. Many of these desires simply lie at the back of our heads, almost forgotten, only because we have never put a date to them.

Well, here's an opportunity to put aside some money for these little desires. Investing in Axis Income Saver can help you plan for these with confidence. Confidence that comes from knowing that your investment is balanced between the stability of debt and potential growth of equity, and confidence that comes from knowing that your money will be managed with a focus on risk control.

So if your son wants to watch the Twenty20 world cup in Sri Lanka in 2012 or if you want to take your wife to the Bahamas in 2013, Axis Income Saver may be a good way to plan for it. With confidence!

Key Features

A low to medium risk fund suitable for an investment horizon of 2 – 4 years
Brings stability to your portfolio by investing primarily in fixed income instruments
Offers the potential for capital growth through limited exposure to equity instruments
Adopts a quantitative asset allocation strategy for risk management
Open-ended nature allows you to buy or sell units of the scheme at any point of time subject to applicable loads
Scheme managed by an experienced team of fund managers

With Warm regards,

"wealth4u"

VIP The New Champion for Regular Investors

2010-06-08T19:37:00.000+05:30

VIP

The new Champion for Regular Investors.

AXIS INCOME SAVER FUND N.F.O.

2010-06-08T19:13:00.002+05:30

AXIS INCOME SAVER FUND New Fund Offer.
Uses a unique software management model.

Generate regular income and capital appreciation, while managing risk

through active Quantitative Asset Allocation.

More advanced than traditional MIP funds* which have static asset allocation.

Focus on downside risk with target of limiting fall to 5% in any calendar year.*

An Open Ended Income Fund BY AXIS Mutual Fund.

Birla Sun Life India Reforms Fund

2010-06-02T16:38:00.001+05:30

Birla Sun Life India Reforms Fund.

Please DOUBLE CLICK ABOVE TITLE FOR LINK TO FURTHER DETAILS. Kindly write in the GUESTBOOKER BELOW your feedback, comments, your requirement ALONG WITH your contact INFORMATION including your E-mail ID and Mobile Phone NO.. OR contact by email wealth4u@consultant.com

IMPORTANT ANNOUNCEMENT regarding LEARNING WORKSHOPS.

2010-06-01T10:30:00.005+05:30

IMPORTANT ANNOUNCEMENT regarding LEARNING WORKSHOPS. --------------------------------------------------------

"wealth4u" is extremely pleased to share with you a very SPECIAL FEATURE of our LEARNING MODULES & WORKSHOPS.

"wealth4u" shall hitherto SHARE WITH CERTAIN N.G.O.s / CHARITABLE INSTITUTIONS 50 % of the fees collected towards the Learning Modules and Workshops conducted by "wealth4u' from their own resources.

You may kindly contact "wealth4u" for any further information such as to know which are these institutions.
You are welcome to suggest for consideration names of institutions carrying out good work regarding Spiritual Awareness, Preserving & spreading Indian Culture, Humanitarian help etc..
Those institutions already in receipt of any international aid are unlikely to be included.

What is more, the donation cheque is to be made DIRECTLY in the name of the institution of your choice from among the shortlisted ones.
This will serve as your BOOKING FEE for any particular learning program / workshop conducted by 'wealth4u'.

Are You Prepared for the onslaught of Monsoon ?

2010-06-01T10:14:00.002+05:30

Monsoon arrived a day earlier in Kerala. If it stays usual course, it may arrive in Mumbai on Sunday 6 June 2010.

Forewarned; better armed.

Same holds true for your investments.

Are you on course regarding your Program of Wealth Creation ?

Do you have a REVIEW MECHANISM in place ?

Do you have a program of investment ?

Enroll yourself for a Learning Workshop regarding
[1]
Why to prepare a Plan for Wealth Creation.
[2]
What the plan looks like ?
[3]
The penalties one has to pay, if one does not have A READY program to manage Investments.
[4]
Know how to prepare wealth creation plan. Its basic ingredients.
[5]
Know why and Know how to monitor it by SIMPLE MEANS.

Retirement Planning

2010-05-25T20:03:00.002+05:30

Products

Retirement Planning

Retirement

Retiring Wealthy is the most desired aspects of Retirement Planning. Thanks to the advances in modern science, the average life expectancy is continuously increasing. Changing trends show that the non-working life of an individual can be longer than his working life. While the social security systems in developed countries have evolved, the one in our country is virtually non-existent. Joint families, which inherently provided such security, are increasingly being replaced by 'nuclear families'. With increasingly stressful life every one wants to retire early but this requires right planning.

For a 25 year old who needs Rs.30,000 per month today to run his household would require Rs. 1.28 lacs per month after 25 years if inflation is assumed at 6% [ ACTUALLY MUCH HIGHER ].

This comes to Rs.15.45 lacs per annum. Now if one assumes to earn 10% [ BANK F.D. GIVES LESS THAN 8 % ] return post retirement, he needs Rs.1.55 crores just to meet his monthly household expenses.

Monthly Expense	Rate of Inflat ion	No of yrs for retirement	Future Value
Rs. 30000/-	6%	25	Rs. 1.28 lacs

You need to plan for retirement because:

Traditional avenue of savings are not sufficient to meet retirementexpenses.
Rising cost of living.
With higher life expectancy you need to provide for around 30 years of your retired life.
Not all of us are covered under pension schemes.
No social security system in India like in the USA.

CONTACT wealth4u for assistance in Retirement Planning.

Shreeram TransportFinCo.NCD IPO

2010-05-18T00:00:00.001+05:30

Dear Investor,

We are delighted in introducing you a very safe, and at the same time very attractive investment opportunity.

An IPO of Non Convertible Debentures ( NCDs ) from Shriram Transport Company Limited - India's largest asset financing Institution.

A consistent profit making & dividend paying company. For 2009/10 - Net Profit Rs.873 Crs. & Dividend 60%.

IPO for Rs. 250 Crs. with a green shoe option of another Rs.250 Crs. (Total issue size Rs.500 Crs.)
Secured & Unsecured options
NCDs will be credited in your existing Demat Account itself.
Very attractive interest rates of upto 11%
0.25% additional interest for Senior Citizens for Secured NCDs.
NO TDS, whatever may the investment amount
"CARE AA+" rating by CARE & "AA/Stable" rating by CRISIL.
Listing at NSE, ensuring a permanent liquidity.

IPO closes on 31/05/2010. Please note, allotment is only on "First Come First Serve" basis.

As Demat account is compulsory, you can contact our branches immediately for opening your Demat account also.

Act immediately..... Do not wait for the last few days of IPO.........

READY RECKONER-- NEW INCOME TAX SLABS & SECTIONS FOR FY 2010-11

2010-04-07T16:33:00.001+05:30

READY RECKONER-- NEW INCOME TAX SLABS & SECTIONS FOR FY 2010-11

Dear Investor,

ATTEND THE TRAINING WORKSHOP ON "INCOME TAX PLANNING"

Please find herewith the New Income Tax Slabs for FY 2010-11

For Individuals, Hindu Undivided Families, Association of Persons and Body of Individuals

Income upto Rs.1.6 lakh	Nil
Income above Rs.1.6 lakh and upto Rs.5 lakh	10 per cent
Income above Rs.5 lakh and upto Rs.8 lakh	20 per cent
Income above Rs.8 lakh	30 per cent

(a) In the case of a resident woman below the age of sixty-five years, the basic exemption limit is Rs. 190,000/-

(b) In the case of a resident individual of the age of sixty-five years or above, the basic exemption limit is Rs. 240,000/-

(d) Education cess is applicable @ 3 percent on income-tax

(e) Marginal relief may be available.

Particulars	Taxable/Non- Taxable	Exemption/Rebate	Limit
Taxable Items:	-	-	-
Basic Pay	Fully Taxable	-	-
Dearness Pay	Fully Taxable	-	-
Grade Pay	Fully Taxable	-	-
Dearness Allowance	Fully Taxable	-	-
House Rent Allowance	Fully Taxable	-	-
City Compensate Allowance	Fully Taxable	-	-
Medical Allowance	Fully Taxable	-	-
Family Planning Allowance	Fully Taxable	-	-
Arrear Amount	Fully Taxable	-	-
Maturity Amount of NSC	Fully Taxable	-	-
Total amount withdrawn from NSS	Fully Taxable	-	-
Transport Allowance	Partially Taxable	Rebate	Maximum upto Rs.800 PM
Children Education Allowance	Partially Taxable	Rebate	Maximum upto Rs.100 PM
Deductions:
Less-Allowance U/S 10(13A) Actual Rent Paid	-	Exempt	Actual amount of HRA received or Expenditure on rent in excess of 1/10th of the salary or 50% of Salary, which ever is less Rent Paid
Interest on HBA U/S 24	-	Deduction	Maximum Rs.1,50,000
Reimbursement of Medical Exp. U/S 17(2)V	-	Deduction	Maximum Rs.15,000
U/S 80C	-	Deduction	Maximum Rs.1,00,000
Refund of loan taken for the construction of House	-	Deduction	Maximum Rs.1,00,000
C.P.F / G.P.F	-	Deduction	Maximum Rs.1,00,000
G.I.S	-	Deduction	Actual
LIC Premium	-	Deduction	Maximum Rs.1,00,000
Subscription of N.S.C. / P.P.F	-	Deduction	Maximum Rs.1,00,000
Interest Occurred on investment in N.S.C.	-	Deduction	Maximum Rs.15,000
C.T.D. / L.I.P. / ULIP (Mutual Fund)	-	Deduction	Maximum Rs.1,00,000
Unit Linked Plan	-	Deduction	Maximum Rs.1,00,000
Tuition Fee (Limited to 2 children) & (After XII th full time course)	-	Deduction	Maximum Rs.1,00,000
5 Years Fixed deposit & 5 years time deposit scheme	-	Deduction	Maximum Rs.1,00,000
U/S 80D CCC	-	Deduction	Maximum Rs.10,000
U/S 80CCD	-	Deduction	Maximum 10% of BP & DA (Recruited on or after 1.1.2004)
Medi Claim Premium U/S 80D	-	Deduction	Maximum Rs.15,000 (Other than above Rs.1,00,000)
Premium paid for Self, Spouse & Children	-	Deduction	Maximum Rs.15,000 (other than above Rs.1,00,000)
Premium paid for Parents (If parent is not senior citizen)	-	Deduction	Maximum Rs.20,000 (Other than above Rs.1,00,000)
Premium paid for Parents (If parent is senior citizen)	-	Deduction	Maximum Rs.20,000 (Other than above Rs.1,00,000)
U/S 80DD	-	Deduction	Handicapped dependents :spouse, son / daughter, parents and brother / sister - Deduction Rs.75,000 to Rs.1,00,000
U/S 80DDB	-	Deduction	Maximum Rs.400,00 (other than above Rs.1,00,000)
U/S 80E	-	Deduction	Entire amount (Interest on higher Education/Study loans)
U/S 80 G	-	Deduction	Deduction for contribution to charitable organization
U/S 80U	-	Deduction	Disability Deduction Rs.75,000 to Rs.1,00,000
Tax Relief - Additional savings in Infrastructure Bonds : Rs.20,000
CGHS subscription will be exempted u/s 80D

wealth4u SERVICES An ANNOUNCEMENT

2010-03-27T22:37:00.001+05:30

Watch this space at http://wealthforyou-wealth4u.blogspot.com/ for announcement regarding launch of new revolutionary services by "wealth4".

These will also offer many more useful options to our clients.

Also included are hitherto unknown products confined to the world of Super Rich, now brought down to the earth.

These will cover

[1]

Educational Courses regarding "Science, Technology, Know How & Know Why of Investment world".

[2]

No Frills version of Wealth Account - A real Janata class.

[3]

'Pay as you use' type services.

[4]

Annual Maintenance Contracts for optimized portfolio performance.

[5]

Profit sharing schemes that ensure FAR HIGHER RETURNS to you.

ASSURED MONTHLY INCOME / MetLife STRENGTHS series::#9 :MMIP

2010-03-25T23:02:00.004+05:30

MetLife STRENGTHS series::#9 :MMIP ASSURED MONTHLY INCOME

Met Monthly Income Plan

UIN 117N050V01

Features
MetLife offers 'Met Monthly Income Plan' a participating plan which guarantees you a monthly regular income for you and your family when you are there and even if you are not there for 15 years or till end of the policy term. Moreover you choose the monthly income that you want and we guarantee you that amount.

A plan which provides for your retirement needs and helps you achieve financial freedom - 'Guaranteed'.

1. Guaranteed monthly regular income that you choose at inception payable for 15 years i.e. 180 months.

2. In case of unfortunate death during the term of the policy, your family will immediately get an amount equal to 25% of the Base Sum Assured (45 times monthly regular income).

3. Guaranteed payment of monthly regular income even after the death of the Person Insured - If the monthly regular income has already commenced, the balance monthly income installments will be paid to the nominee as and when they are due. If the monthly regular income has not commenced, the same will be commenced starting from the first monthly anniversary following the date of death and shall be paid for the next 15 years to the nominee.

4. Payment of an additional Sum Assured in case of accidental dealth if Accidental Death Benefit Rider has been opted by you at inception.

5. Tax benefits* on both the amount invested and the benefits received under Section 80 C and Section 10 10D.

Premium Calculator

Download Brochure

Email Brochure

Disclaimers:For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Insurance is the subject matter of the solicitation.
*Tax benefits are as per the provisions of Income Tax Act, 1961, and the same are subject to amendments made there to from time to time, please consult your tax consultants for more details. LD/2009-10/EC203/426


Entry Age (Last Birthday)	Min – 18 years Max – 60 years
Maximum Maturity Age	85 years
Minimum Monthly Income	Rs. 2,000 p.m.
Sum Assured (fixed)	180 times the Monthly Income
Premium Payment Term	5 years/10 years
Policy Term	20 years/25 years
RidersAccidental Death Benefit Rider Death Benefit In the unfortunate event of your death your nominee/beneficiary will receive:- 1. During the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income also starts from the first monthly anniversary falling after the date of death and continues to be paid to the nominee/beneficiary for the next 15 years. At the end of 15 years from the date of first monthly regular income payment, the policy ceases with payment of "Terminal Bonus", if any. 2. After the Premium Payment Term - 25% of the Base Sum Assured plus all accrued simple reversionary bonuses is payable immediately. The monthly regular income to the nominee/beneficiary continues for the remaining term till maturity. At the maturity date as chosen at inception, the policy ceases with payment of "Terminal Bonus", if any. NOTE: In case of death of the beneficiary/nominee during these guaranteed monthly regular income payments period, the same will be made to the legal heir. Survival Benefits You get a monthly regular income that you have chosen at the inception of the policy for 15 years after the end of the Premium Payment Term. The monthly regular income commences from the monthly anniversary date that immediately succeeds the completion of the Premium Payment Term. Maturity Benefit On attaining the maturity age you will receive the accrued Simple Reversionary Bonuses along with the Terminal Bonus, if any. A word about Bonuses Simple Reversionary Bonus The policy will participate for Simple Reversionary Bonuses on completion of three years and the declared bonus will be credited on each policy anniversary occurring immediately after the date of declaration of bonus provided all the due premiums have been paid. Simple Reversionary Bonus is declared by the Company starting from year 3 onwards based on the Company's experience and this is not guaranteed. Simple Reversionary Bonus is payable on death of the life insured or on maturity whichever is earlier. The Simple Reversionary Bonus will not accrue once the death claim is settled and for the lapsed policies. Terminal Bonus The Company may also declare a Terminal Bonus as a percentage of the accrued Simple Reversionary Bonus. The Terminal Bonus is payable only after payment of last monthly regular income payment and the same is not guaranteed.

With Warm regards,
"wealth4u"

NJ Wealth Account

2010-03-25T16:29:00.002+05:30

The information regarding NJ Wealth Account which was emailed last year is now briefed on this weblink.

About NJ Wealth Account

Presenting NJ Wealth Account

Managing wealth is not easy, especially with the ever growing needs and products. In this fast paced world, there is a need for simplicity and consolidation. The need is to stay ahead, stay informed and stay in control.

NJ Wealth Account offers you a comprehensive, flexible account which consolidates all your portfolio information in a single window in a simple lucid manner. It keeps you informed of your finances and puts you in control to take smart investment decisions.

Key Features of Wealth Account

Online Access
Now you can store all your portfolio, transaction information in multiple products through NJ Wealth Account and get access anytime, anywhere....
Meaningful Portfolio Reports
It enables you to acceed insightful reports that you 'need' to know about your portfolio and take informed invesment decisions.
Flexible Consolidation Facility
It is a great feature which literally takes consolidation to the next level and allows you to

Consolidate multiple accounts and view your entire family portfolio on a single desk with the help of consolidated reports
Have a single view of all your transactions through multiple advisors.

Automatic Updation
Your portfolio is automatically updated* on a daily basis so that you get the latest, true picture of your portfolio.
*Online updation facility is only the for portfolio done through NJ and/or where product prices are available in the market at such frequency
Knowledge, Information and Analysis Desk Available
It enables you to acceed various meaningful knowledge related contents that help you stay informed and take wiser investment decisions in your interest.

Inside NJ Wealth Account

Wide Coverage of Investment / Financial Products.
The NJ Wealth Account is a truly comprehensive account that gives you a consolidated view of almost all your investment/financial products like:
- Domestic Mutual Funds
- Equity Shares
- Fixed Income Products
  - PPF
  - NSS, NSC
  - RBI Relief Bonds
- Life Insurance
- Property
- Bullion
With prices / features managed by Customers
- Bank Deposits
- Physical Assets (Real Estate, Bullion and others)
- Private Equity
- Private Debt
- Bonds and Debentures on Secondary Market
KIAD (Knowledge, Information and Analysis Desk)
It enables you to acceed powerful knowledge and information related services that go a long way in keeping you informed and smart...
- Market Information
- Product Related Desks (like Mutual Fund Desk, Life Insurance Desk, etc.)
- News and views
- Benchmark information
- E-subscription to various publications
- Financial Planning Section
  - Education on Financial Planning
  - Risk Profilers
  - Basic Calculation
Administration
NJ Wealth Account offers you administration services to help you administer and manage your Wealth Account. The requests modules are available online to you...
- Merging facility of one or more wealth accounts
- Flexibility to use multiple advisors (NJ Partners) and have a single view
- Transaction entering facility for products other than those offered by NJ
- Flexibility to offer transaction administration to Partners
- Query posting modules available online.
Services
Enjoy the extra value added services on offer to you…
- Billing information available online and sent over e-mail
- Centralised Customer Care
- Proposed services
  - Transaction confirmation for MF transactions through NJ over e-mail / SMS (proposed)
  - Valuation Reports sent over e-mail at regular intervals

Comprehensive Portfolio Reports
It enables you to get smart insights about your portfolio with access to many meaningful reports. You can also customise the reports as per your needs...

Consolidated Portfolio Reports
- Net Wealth / Asset Report
- Financial Year wise P&L
- Consolidated Asset Allocation
- Financial Year Wise Performance Reports
Product Wise Reports
- For all Products in general
- Transaction Reports
- Valuation Reports
- Maturity Reports
- Performance Report
Portfolio Analytics
- Comparison of Performance vis-a-vis benchmark
- Mutual fund analytics
  - Consolidated AMC Exposure
  - Consolidated Stock Holding
  - Consolidated Sector Exposure
  - Consolidated Credit Profile
- Current and Historic Financial Plans*
- Performance of Financial Plans with actual goals*
Life Insurance Reports
- Premium Reminders
- Cash Flow Reports
- Risk Coverage Reports
Triggers and Alerts (coming soon)

Maturity Reminders
Premium Reminders
Target Achievement for a particular investment
Target Achievement of a benchmark
========================================================================

FAQs NJ Wealth Account

How can I open a NJ Wealth Account?
You need to be a customer of NJ Partner. Along with the Partner you can open the account just by filling the NJ Wealth Account Application Form, ECS / Direct Debit Bank Mandate and T&C.
If you don't know any NJ Partner you can contact NJ at 0261 3985000 and the NJ Customer Service officer will guide you further.

When will my NJ Wealth Account get activated?
The NJ Wealth Account shall be activated within one week on successful completion of Registration Formalities i.e. filing and submitting of NJ Wealth Account along with the required documents at NJ.

How will I come to know about my Account Activation?
You will receive an e-mail on your registered e-mail id as mentioned in the NJ Wealth Account Application form. Also you will receive a Welcome Kit after completion of registration on your address as mentioned in the NJ Wealth Account Enrolment Form alongwith log-in id and password.

From where can I access my NJ Wealth Account?
You can get access to your NJ Wealth Account from http://www.njfundz.com by entering the log-in id and password provided to you.

Can I view my transactions done through NJ in the past?
Yes, you can, but only those transactions which are done through the partner with whom the NJ Wealth Account is opened.

If I am working through multiple Partners then what about my transactions through other Partner?
You can register a Wealth Account with every partner you are working with. After opening the Wealth Account with a partner, you will be able to access all the transactions done through such a Partner. You may even send request to merge such multiple Wealth Accounts through different Partners to view a consolidated portfolio.

Do I need to open separate accounts for my family members?
Yes, you have to open separate NJ Wealth Account for each family member and the Wealth Account shall capture the transactions wherein the family member is the first holder. However, to have a single view there is flexibility to merge the Wealth Accounts wherein the Consolidated Portfolio can be viewed. In such a case, the separate logins will also be live where the individual portfolios can be viewed.

Can I add my mutual fund transactions done through other distributors?
No, you cannot though you can add transactions for products other than mutual funds through the Administration Module available on NJ Wealth Account.

Do I have the flexibility to unmerge the merged accounts?
Yes, you can demerge the merged Wealth Accounts by giving request to NJ in required formats online, as available on NJ Wealth Account.

What is the Fee for NJ Wealth Account?
There are three types of fees levied on every NJ Wealth Account
1. Registartion Fees - NIL upto 31st Decemeber 2009
2. Administartion Fees – Rs 50 /- every six months
3. Transaction Fees currently only on mutual funds 1.5% on Equity and Balance scheme transactions. For customers above Rs.5 Lacs of AUM, the Transaction Fee is NIL.
You may invest much less but if wealth has grown to Rs. 5 lakhs, fees are NIL.
For more details on the Fees schedule, please contact your NJ Partner. The same can also be availed from the http://www.njfundz.com and from your NJ Wealth Account.

How will be the Fees be collected?
The Fees shall be debited from your bank account, if any due, by giving an instruction to your bank on a monthly basis by virtue of the ECS/Direct-Debit Mandate you have provided along with NJ Wealth Account Application Form.

How will I get my billing information?
You, will receive the billing information by e-mail on a monthly basis and the same shall be available on the NJ Wealth Account. You will also receive an SMS before the amount gets debited from your bank account.

Can I close my account?
Yes, you can by giving the request in the format as available on NJ Wealth Account to NJ.

Can the Fees change for NJ Wealth Account?
Yes, the Fees are dynamic and may change from time to time . The charges schedule shall be mailed to you on any change and the same shall be made available on the NJ Wealth Account also.

What happens if my auto-debit request gets rejected ?
Our Billing department will contact you and give another instruction for auto-debit request. On two consecutive rejections NJ reserves the right to terminate the NJ Wealth Account services.

Where should I contact in case of any query?
For any query related to the NJ Wealth Account, you may contact NJ Customer Care on 0261 3985000

============================================================

NJ Wealth Fee Structure

Wealth Account Fees Schedule / Fees Schedule:

Fees

Registration Charges (One Time)

FREE

Admin Fees

FREE For AUM >= 5 lacs on 25th of the Previous Month;
otherwise :- Rs.50/- Half yearly

Transaction Fees (All Scheme Types – AUM)

FREE For AUM >= 5 lacs on 25th of the Previous Month;
otherwise as follows :-

	Purchase	SIP/STP	Switch
Transaction Fees (Equity+Bal)	1.50%	1.50%	1.50%*
Minimum Per Transaction (Equity+Bal)	Rs. 40/-	Rs. 30/-	Rs. 40/-*
Others	-	-	-
Maximum Per Transaction	Rs. 1000/-
Ceiling (per A/c per month)	Rs. 5000/-

Note:

AUM is a mutual fund AUM under all scheme types
Transaction Fees are currently levied on the mutual fund transactions done by the WA Customer through the Partner. Other Products can be introduced in future.
Service Tax would be additionally charged (current rate 10.30%) to the Customer on the above Fees.
* Levied only for Non-Equity / Non-Balance Schemes to Equity / Balance Schemes
SIP with load will not be charged and for No Load SIP's, future installments would be charged.
Incase change of broker and switch from other ARN to NJ, it would not be charged

NJ Wealth Account Transaction Charges

2010-03-25T16:13:00.002+05:30

Dear All,

NJ Wealth Account Transaction Charges

The NJ Wealth Account offers
you a whole new experience into smart investment- analysis & decison making.

NJ Wealth Account is a
comprehensive and flexible account which consolidates all your portfolio information into a single window in a
simple and lucid manner.

Those who registered would have received
NJ Wealth Account login details on your registered email id.

Your designated bank accounts will be debited towards any transaction fees related to Investment, if any, you pursued during the Previous month into Equity / Balance Mutual funds.

As you know currently there is NO Entry Load for investments in MF.

These charges are as per enrollment form entered while opening the NJ Wealth Account.

Earlier, there has been a delay / time lag in executing the deduction.

Ignore, if there was no purchase / switch request from your side.

This is for your information please.

Investment Objective	To generate income and capital appreciation from a diversified portfolio predominantly investing in Indian equities and equity related securities of companies which are not part of the top 100 stocks by market capitalization and have market capitalization of atleast Rs. 100 crores at the time of investment. From time to time, the fund manager may also seek participation in other Indian equity and equity related securities to achieve optimal Portfolio construction. The Scheme does not guarantee or assure any returns.
Fund Type	An open ended equity fund
Management Style	Midcap fund with no theme/style bias.
Plans & Options	The Scheme shall have a Regular Plan and offers two options viz., Growth and Dividend. Dividend Plan will offer Payout & Reinvestment facility.
Minimum Application Amount & Minimum Additional Application Amount	Rs.5, 000/- and in multiples of Re. 1/- thereafter. Additional investments in an existing folio can be made for Rs.1, 000/- and in multiples of Re.1/- thereafter.
Benchmark	CNX MIDCAP Index
New Fund Offer Price	Rs. 10 per Unit