This does not constitute investment advice. Returns mentioned herein are in no way a guarantee or promise of future returns. Mutual Fund investments are subject to market risks.
Please read all scheme-related documents carefully.

No Smart Investor Would Want To Miss Something Like This...

-: Exclusive Get-On-Board Offer :-

We Are Giving Away 1 Year of Our Most Premium Offering FundSelect For FREE

A Service That Has Beaten The Markets By Over 70% Since Its Launch.

Subscribe To 1 Year Of FundSelect Right Now And
Get 12 Months of Complimentary Bonus Access, Absolutely FREE!

Dear Reader,

How time flies...

Feels like it was just yesterday we decided to be a torch bearer for unbiased, strong, sustainable mutual fund research.

The two-way street between passion and profession has been the most rewarding street in our story.

And last year, we have completed 20 years of our existence.

20 years of powering investors with the most unbiased and strong mutual fund research.

As much as we want to keep basing in the glory of that milestone, we understand that we now have more responsibility on our shoulders.

Responsibility to get unbiased and strong research to as many investors as we could.

As we will leave no stone unturned to make sure we do all that is required to achieve that.

And on the same lines, there is something we want to tell you about today.

Before that... There is something we want you to know.

As per a study by our research team, two out of three mutual funds are WORTHLESS investments -they are not making enough return on your investments.

These funds are not able to beat the stock market, namely the S&P BSE-200 - TRI index.

These funds are literally underpaying you for the risk you incur on your investments.

Wait, that's not all.

Our research also found out that as much as 80 percent of the outperforming mutual funds beat the market by a CAGR of less than 3%!

So, basically when the previous "losers" could not even outperform the market, these ones do... but by a minimal percentage.

Honestly speaking, as much as 65 percent of all mutual funds out there may be WORTHLESS INVESTMENTS.

In other words, over 6 out of every 10 mutual funds are just not worth your time and money.

Is it really worth taking all that risk and paying hefty fees to the fund manager for what mostly turns out to be a very poor performance?

...Of course not!

All their expensive research... frequent trading costs... high fund management fees...everything almost amounts to zero.

This gives the whole mutual fund industry a bad name and most of the average investors are led to believe that low-cost index funds might be a lot better for them.

But having said that, does that mean mutual funds are not good for higher returns?

Yes they are.

How?

Well, what we don't see is...

There are funds that have potential to routinely beat the market...by a wide spread.

There are funds that perform consistently across several market cycles.

There are funds that are long-term value creator for your money, unlike the rest.

There are mutual funds that have the ability to make you wealthy!

And if you invest in those particular funds, you might reap benefits like you have never imagined before.

But how do you find such "best of the best" funds that have the potential to earn you not just normal profits, but Extraordinary Gains over the long term?

That's where FundSelect comes in...

'FundSelect'- A credible mutual fund research service with a track record of over 18 years.

Yes, you read it right.

FundSelect is not an ordinary mutual fund research service.

It is one of the oldest mutual fund research services in India, with a history of over 18 years.

We have always believed in taking the honest path, even if it's not easy. And we took one 18 years back.

Back then, there was nothing really known as "independent mutual fund research" in India.

Most entities entering financial services business then, were either getting into stock broking, or insurance selling, or mutual fund distribution.

This path was easier to take and the money to be made from commissions was enormous.

But the mandate to serve the small investor was nowhere to be seen.

And that's when we thought of doing something different for the gullible investors.

Although the decision was challenging, and we even faced criticism for what we were intending to do...somewhere we were convinced that there was a genuine demand from small investors for authentic, independent and unbiased research on Indian mutual funds.

Of course, the money managed by Indian mutual funds then was just less than 5% of what it is today.

And we knew, there were still plenty of funds to be launched that needs to be researched...and avoided in the interest of investors.

So, we decided to offer our mutual fund research services under the brand called "FundSelect".

And History Was Created!

It has been over 18 years FundSelect is helping mutual fund investors...

• Identify potentially the best mutual funds to invest in

• Identify the dud mutual funds to avoid

The aim of this service has always been to identify the ‘right' mutual funds that can meet your long-term financial goals.

That's not all, we also recommend funds you must avoid at all cost (and there are many of these around right now).

This is what we have been doing successfully for decades now, benefitting the lives of thousands of people who have been our subscribers at different points during this decade.

And why not?

FundSelect carries the pedigree of PersonalFN, which is amongst India's leading mutual fund research and financial planning brand. We are known for our credible, unbiased, and market-beating mutual fund research, and our subscribers would vouch for that...

Can You Beat the Markets? By As Much As 70%!

FundSelect is our premier equity mutual fund recommendation service that aims to help you discover those exclusive fund investments, out of the over 450 equity mutual funds out there in the market, which come with solid potential to make money in long run.

FundSelect focuses primarily on two goals, viz. consistently higher returns and quality fund management, coupled with a process-driven fund selection methodology, thus probably maximizing your gains over time.

We believe there is no sense in investing otherwise.

FundSelect has been based on one simple motto: "Be steady. Be alert. Be winning."

This shows in our long performance track record.

Source: ACEMF, PersonalFN Research
Performance as on March 31, 2022; Past performance is no guarantee of future results

Every Rs 100 invested across FundSelect recommendations since June 2003, has now grown to Rs 2,775, as against Rs 1,653 for every simultaneous investment of Rs 100 in S&P BSE 200 index.

That's an outperformance in return, by over 70%!

Does An Extra Rs 10 Million Sound Interesting Enough?

That is how great funds can turn out to be.

With an extra 70% in return, you could reap higher returns (read "a lot, lot higher").

For example, let us assume that you invested Rs. 1 million in our recommendations since June 2003. While the S&P BSE 200 index would have returned Rs 16.53 million, FundSelect's chosen funds would have returned a whopping Rs. 27.75 million - outperformance by around 70%!

That means, by investing in funds recommended under FundSelect, you could have earned well over Rs 10 million on your investment of Rs 1 million.

This is what makes us so different from the rest.

Potentially The Best Funds - Just A Click Away!

At PersonalFN, we make sure that each of our recommendations follows strict qualitative and quantitative parameters.

Under FundSelect, we use our proprietary SMART Score Matrix to select high quality mutual funds that have superior wealth-building potential.

"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.

S	M	A	R	T
Systems and Processes	Market Cycle Performance	Asset Management Style	Risk-Reward Ratios	Performance Track Record

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

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

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

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

Why? Because it has shown successful results over time! Identifying Long-Term Players Has Been Our Specialty Always!

FundSelect has been successful in identifying long-term players.

When you subscribe to FundSelect, you will get access to 12 issues of FundSelect each year; where we will recommend not only about funds you should Buy, but also about funds you should Sell or Hold... So that you can go for the few quality funds that not only have proven their worth in good times but also maintained their valuation in bad times.

You Need Proof? Numbers Don't Lie...

Hours of gruelling research and intense number crunching goes into each of our recommendations.

And the charts below prove that our recommendations are superior.

2,184% Absolute Return in 17 Years 2 Months

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 08-Nov-2004 to 25-Jan-2022;
Past performance is no guarantee of future results

FundSelect has been successful in identifying true long-term players.

Take the case of 'Sundaram Midcap Fund'.

We identified the wealth creating potential of the fund quite early in November 2004, and recommended it to our FundSelect subscribers.

Since then the funds value has grown by about 2,184% and has created wealth for our subscribers. This is about 1,299% higher returns than the benchmark S&P BSE Midcap that has registered a growth of 885% in value.

Rs 1 Lakh invested in Sundaram Midcap Fund in 2004 would have by now turned to over Rs 22.8 Lakhs, in a period of around 17 years 2 months.

The funds potential has always remained intact and has never moved to our Sell, irrespective of market conditions.

This also signifies the ability of our research team to form a long-term view on the fund.

And there are many such funds that have been timely identified and recommended under FundSelect.

483 Absolute Return in 10 Years 8 Months

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 16-May-2011 to 25-Jan-2022;
Past performance is no guarantee of future results

Here is another example of our early picks on the fund. Though it took almost 4 years, for HDFC Midcap Opportunities Fund to make it to our buy list, it made a big impact in terms of performance going forward.

We tested the fund in and out to be sure about its wealth creating potential before first recommending it under FundSelect in May 2011, when its size was just about Rs 1,300 crore.

And within 7 years time, the fund became quite popular among investors to become the largest mid cap fund in the country, with its AUM crossing Rs 20,000 crore in December 2017 and Rs 30,000 crore in July 2021.

In terms of wealth creation, the fund has grown over 5.8 times in less than 11 years, as against 4.2 times growth in its benchmark Nifty Midcap 100 - Total Return Index.

Rs 1 Lakh invested in HDFC Midcap Opportunities Fund in 2011 would have yielded Rs 5.83 Lakhs, in 10 Years 8 Months, as against Rs 4.23 Lakhs for the simultaneous investment in the benchmark.

394% Absolute Return in 10 Years 3 Months

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 31-Oct-2011 to 25-Jan-2022
Past performance is no guarantee of future results

PersonalFN has always given more importance to systems and processes, instead of brand and popularity.

This can be identified from our recommendation of a fund belonging to a new and little talked about fund house - Mirae Asset Mutual Fund that had in 2011 completed just 3 years of operation in India.

After understanding the systems and processes followed at Mirae Asset Mutual Fund, we were very clear about its fund management quality and the long term potential of its funds.

Its flagship scheme, Mirae Asset India Opportunities Fund (now known as Mirae Asset Large Cap Fund), was hardly known to investors. The fund was very small with a corpus of less than Rs 200 crore, then.

This is when PersonalFN identified the early potential of this fund and recommended it to FundSelect subscribers in October 2011.

The fund did not disappoint us in terms of expectation, and has consistently rewarded investors across market conditions, beating its benchmark S&P BSE 200 by a significant margin.

We always aim to identify true long-term players...and our next fund tells you about the...

Longevity of Our Recommendation

If you think, our views can change overnight... we are glad that you may be proved wrong.

Here is the performance of HDFC Flexi Cap Fund (Erstwhile HDFC Equity Fund) since the time it was recommended under FundSelect in May 2004.

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 03-May-2004 to 25-Jan-2022
Past performance is no guarantee of future results

In the last 17.8 years, the fund has seen many ups and downs in terms of performance, but the fund management quality and conviction stood by its side.

This helped it grow over 10 fold in terms of value.

Rs 1 Lakh invested in the fund had grown to well over Rs 12 Lakh before we finally gave a Sell call on the fund.

So in terms of longevity of views, FundSelect won't disappoint you.

The Key Is Quality... Not popularity!

FundSelect will never try to go with the herd.

Each fund recommended under fund select goes through our stringent process, where they are tested on both quantitative as well as qualitative parameters.

Only the funds that pass through this test will make it to our recommended list.

We may not recommend a fund just because they are popular among distributors and investors.

Similar is the case with Nippon India Multi Cap Fund (once popularly known as Reliance Equity Opportunities Fund)...

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 28-March-2005 to 25-Jan-2022
Past performance is no guarantee of future results

Despite being popular among investors, this fund has never made it to our Buy list- the reason being quality and its inability to limit downside risk.

That's the reason why we did not shy away from giving a Sell call on the fund, even while it was recommended by others, based on star ratings.

FundSelect has been quite stringent when it comes to recommending high quality funds, backed by strong systems and processes.

Identifying the 'Portfolio Killers'

A major part of being a successful and smart investor is also staying away from what we call the "Portfolio Killers"

These are funds that are inconsistent and poorly managed!

Like we have always asked our subscribers to stay away from inconsistent and poorly managed schemes like JM Large Cap Fund (Erstwhile JM Equity Fund)

.

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 28-Mar-2008 to 25-Jan-2022
Past performance is no guarantee of future results

Over the last 10 years, rather 14 years, the fund has significantly underperformed its benchmark as well as most of its peers.

FundSelect time and again attempted to save its subscribers from entering a worthless fund.

And that is just one example...

We have many more!

Here's another one...

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 02-Jan-2007 to 25-Jan-2022;
Past performance is no guarantee of future results

Have you heard about Sundaram Capex Fund? (now known as Sundaram Infra Advantage Fund)

The fund that became investor's favourite during the infrastructure and capital boom in 2007. Its AUM doubled, rather tripled within months, in the year 2007.

Unfortunately, hype doesn't sell for long in finance.

Many investors in this fund found themselves on the back foot, when the rally in the infrastructure came to a break during the 2008 subprime crisis.

Notably many stocks in this sector have not yet recovered and so has the fund.

We Make Mistakes Too!

Well, just like everyone else, we too make mistakes...

But we do not hide them.

We believe knowing your weaknesses is your biggest strength.

Some of the funds recommended under FundSelect, did not meet our expectations.

Moreover, we got the timing wrong.

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 25-Apr-2005 to 25-Apr-2012;
Past performance is no guarantee of future results

In the first phase (between April 2005 to June 2007), our recommended Sundaram Select Focus, performed nearly in line with the benchmark, while underperformed many of its peers. We got impatient with the performance and gave a Sell call on the fund.

Within next few months, the fund entered its first leg of outperformance, and the subscribers who acted on our recommendation missed the opportunity. Though it didn't last for long.

In August 2008, we gave the fund another chance.

But this time it completely disappointed on the performance front. Despite giving it, well over two good years, the fund failed to make much impact and turned out to be one of our poor recommendations.

In March 2011, we finally gave a Sell call on Sundaram Select Focus.

Similar was the case with Principal Multi Cap Growth Fund (now Sundaram Multi Cap Fund).

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 28-Feb-2005 to 31-Mar-2010;
Past performance is no guarantee of future results

Though Principal Growth Fund made around 125% gain in 3 years post our recommendation in February 2005, it did underperform the benchmark S&P BSE 200 by about 27 percent point.

With the change in view on the fund, it was recommended a Sell in February 2008.

Source: ACEMF, PersonalFN Research
Performance calculated using NAVs for period 05-Jul-2010 to 25-Jan-2022;
Past performance is no guarantee of future results

Canara Robeco Equity Diversified Fund was yet another scheme recommended under FundSelect in July 2010, that didn't go down well as per our expectation in terms of returns.

Moreover, few quick changes in fund management further affected the performance.

Though it outperformed the S&P BSE 200 index over 5 years' time, it trailed many of its category peers.

In November 2015, we asked our subscribers to exit the fund, while it made 76% absolute gain in a little over 5 years' time.

So, we are not infallible, to be honest.

However, you must note here that...

The success rate of FundSelect
is a whopping 70 percent!

So, seven out of ten FundSelect recommendations go on to making solid investment You see, seven out of ten FundSelect recommendations have made solid investment gains for the investors.

Alternatively, it can be safely said that even if you happen to underperform or incur slight losses by chance, you will be more than compensated for it by the gains from other funds that you invest in.

Our fund recommendations tend to beat the market by a significant margin over long time periods.

Once you subscribe to FundSelect, you will get instant access to potentially the best mutual funds in terms of returns they offer and thus strengthen your investment portfolio in future

Here is what one of our existing subscribers has to say.

Why Choose FundSelect Today?

• Earn Market Beating Returns - Our recommendations under FundSelect have beaten the BSE-200 index returns by over 70% in the last 18 years, and we are working hard to ensure that the performance continues in the future as well!

• Become a Savvy And Confident Investor - Through FundSelect, we aim to guide and educate you about the fundamentals of successful money management and the various strategies and core philosophy behind mutual fund investments. This will help you evolve into a smarter investor who can then make even better investing decisions.

• Identify Optimum Funds For Your Portfolio - We are not just sending you fund recommendations. Through our regular Buy, Sell or Hold recommendations, we guide you to build a potentially optimum fund portfolio suited to your goals and objectives. All these funds pass through our solid research process, undergoing strict selection process including both qualitative and quantitative parameters. Moreover, as a member of FundSelect you also get access to fund recommendations across various investment styles and market caps - including large cap, midcap, multi cap, value-oriented and growth oriented. All this will help you build the portfolio that suits you best!

• Save On Extra Commissions And Fees - Rule of the thumb, as an investor, is not to waste money. Thus, don't splurge your returns on high extra commissions and unnecessary fees. Save thousands of rupees just by selecting the right fund that cost you less. And trust us on this... over longer periods of time, the impact is even higher!

• Keep A Close Watch On Your Investments - Forgetting about your investments once you have put your money in it is one of the most serious mistakes an investor can make. And that's where our regular performance updates on our fund recommendations is going to be of immense help to you. It will help you keep a close watch on your fund investments.

• Employ Allocation of Your Investments - Asset allocation is a key factor in optimizing your investment portfolio according to your goals and objectives and thus gain higher returns over time. With our regular updates on the ever-changing market conditions and the promising funds in the current market, you will be able to maximize your gains and keep your risk exposure at tolerant levels - keeping in line with your long-term investment targets.

• Save Time and Energy - We, at PersonalFN, make sure to make the investment process as seamless and tension-free as possible. Simplify your life...Save your precious time and energy with readymade information available at your fingertips every month! All you can do is follow the recommendations diligently and consider investing in some of the best funds out there. It doesn't get much easier than this.

In short, FundSelect is an all-purpose equity mutual fund recommendation service that helps you to build wealth over the long-term in the easy going and most certain way as possible.

The timely and impactful fund recommendations every month...

The regular and exhaustive industry studies...

The occasional free notes and online materials...

The value that you get makes up for the usual price of the service.

Not to mention the fact that you could also look forward to potentially a double-digit portfolio return with that meagre annual cost.

But as we told you, this is a very exclusive and special "get-on-Board" offer only for readers like you.

So, we have something special for you...

You see, FundSelect is priced at Rs 5,000 for a year's subscription.

But if you take us up on this special get-on-board offer, you won't have to pay that.

Click Here To Subscribe For Fundselect At Just Rs. 5,000 2,950 Right Now

That is a discount of over 40% right there...

Given the potential the service holds, even this amount could be considered negligible.

But if you think we stop there, you are in for a surprise.

If you sign up for FundSelect under this special offer,

We Will Add 1 More Year Of FundSelect To Your Account Absolutely FREE

You don't have to pay anything at all to access our FundSelect for those extra 12 months!

No questions asked, no strings attached.

In effect, a service that usually costs Rs 10,000 for 24 months will come to you at just Rs 2,950...or a huge discount of almost 71%!

What are you waiting for?

Still thinking? Let us make this decision a no-brainer for you.

Complimentary Bonuses You Get
Only If You Act Right Now...

FundSelect assists you in discovering potentially the "best of the best" equity funds in the market and thus build a solid fund portfolio through discipline investing throughout time.

When you subscribe to FundSelect, you will get access to a detailed report covering a chosen category of fund, on 20th of every month, under your private login on PersonalFN.com.

If you think, you have missed our past recommendations! Do not worry. You can access the archive of our all FundSelect reports by logging in to your PersonalFN account, anytime.

Not only do you get to know about the top-performing high-quality equity mutual funds but also the underperforming or low potential funds as well.

Apart from that, you will also get access to regular updates for the recommendations we make.

Our regular updates will let you know whether our fund recommendations are really up to your expectations or not and thus calibrate your portfolio according to the ever-changing market dynamics.

And with FundSelect subscription, you also get:

Bonus #1: DebtSelect

For all those investors who want the best of both worlds, that is, equity and debt, rolled into one, it's time to rejoice.

DebtSelect, our popular debt mutual fund research services is now available with FundSelect. It is one of our flagship products and we decided to make it more accessible to our subscribers.

If you are a debt fund investor and didn't subscribe to DebtSelect before, we believe you will derive great value from that.

Under DebtSelect, you will receive 2 Actionable and Timely Debt Mutual Fund Recommendations Per Month PLUS Regular Update on DebtSelect recommendations to let you build a stable-returns portfolio.

If you are planning to invest towards your low risk goals and are looking to grow your money steadily over time, DebtSelect will be of help to you.

And as a FundSelect subscriber, not only do you get to know about the most promising equity mutual funds but also the time-tested debt mutual funds for stable returns.

What's more?

You DO NOT have to pay DebtSelect's usual subscription fee of Rs 5,000 per year.

Bonus #2: Fund Watch

Apart from the regular fund recommendations, you get an insider view of what the PersonalFN research team is tracking at present.

In fact, we are constantly on the lookout for top-performing funds that have yet not made it to FundSelect but continue to be on our radar.

Remember, NOT all top-performing funds are worth your money.

And that is why we keep a close "watch" on these attractive funds to ensure that they make it to the FundSelect recommendation list when they meet all the parameters in our stringent selection process.

Bonus #3: New Fund Offer (NFO) Research

With the change in market sentiments, a lot of equity funds, whether open-ended or close-ended, are cropping up every day.

We will assess each one of those New Fund Offers (NFOs) and examine their viability as an investment avenue through our NFO Reports.

And that comes for FREE with your subscription!

Bonus #4: Investment Ideas Notes (Monthly)

Let us accept a stark fact today.

There is simply too much noise around. Most of the brokerage houses, media, financial portals and various finance blogs...all are ready with their "expert" views and opinions on what's going on in the market.

But can you really trust all of them? Probably no. In fact, we, at PersonalFN, believe that your chance of losing money multiplies when you follow someone else's bad advice, instead of doing a bit of research yourself.

That is why we ensure that our monthly investment ideas provide a well-studied and factual opinion of the markets, cutting out the unnecessary noise around and help the investor make smart choices every day.

And as a FundSelect subscriber, you can get it for FREE...without any charge at all!

Bonus #5. The Alpha Funds Report 2022

Opportunities that have the potential to make an even higher return, with a little additional risk

In short, these are potentially the "best FIVE equity mutual funds" you can consider investing in right now.

Want to get access to them? As a FundSelect subscriber, you are entitled to get it for FREE!

You don't have to pay a rupee for it.

Wait, we are not done yet. There is more...

Bonus #6: (Premium Guide) - 10 Lessons To Master Mutual Fund Investing