15 % RETURNS EDUCATION PLAN

Mutual Fund v/s 15% Guaranteed Returns Education Plan

Mutual fund investments are subject to market risk. Please read the scheme related documents carefully! 
Who cares about these disclaimers?

                They are merely a collection of obscure words that pass through our senses without garnering any kind of effect on us. We read or hear them, and we forget about them even before we have finished hearing or listening to them. Such is the life of disclaimers! Nobody takes these poor souls seriously enough. Certainly not mutual fund investors. 'Mutual fund investments are subject to market risks. Please read the scheme information and other offer documents carefully before investing. Past performance is not a guarantee of future returns. '' - Even though many people take this disclaimer spoken on TV seriously, people going to invest in the market should always keep this in mind. Mutual funds are not guaranteed and in the worst case, full money can also be lost.

And may be, just maybe, it's not entirely your fault. These scheme-related documents that you're supposed to read probably remind you of the texts you faced before your 10th standard board exams. You somehow did manage to cram your way through your exams, but you're definitely not interesting in suffering through the fine print before you invest in a fund. And so you largely ignore the disclaimer.

But you probably wouldn't if the disclaimers were a little bit more realistic, specific and hard-hitting. Something like - "Mutual fund investments are subject to market risks. Your hard-earned money will go down to the drain if you're not fully aware of what you're investing in." Now, that is something that would surely make you sit up and take notice.

You would not only sit up and take notice, but look at your distributor or agent sceptically if the disclaimer was something like - "Mutual fund investments are subject to market risks. You're being shown only a trailer, not the entire movie about how this fund has actually performed." As we all very well know, the movie rarely manages to live up to the expectations created by the trailer.

To take this a step further, how would you react to a disclaimer that said - "Mutual fund investments are subject to market risks. Your fund distributor or agent is probably going to benefit more from this investment than you." You obviously wouldn't like this, would you? But such an explicit disclaimer would be as true as the subtler ones. Agents and distributors often push financial products that earn them higher commissions. It is up to you to make sure you don't fall into a trap. You have to ensure you make an investment that will be best poised to help you meet your goals.

And hence the statutory disclaimer that asks you to read the scheme-related documents carefully. The fine print is important because the devil is in the details. He's lurking somewhere in the tiny texts that you will have to squint to read; he's banking on the fact that most investors remain unaware of his presence. Your ignorance is the devil's gain. To make sure that doesn't happen, read all scheme-related documents carefully. Or at least, be fully aware of what you're investing in. Henceforth  you simply read it like this:

“ Mutual funds are subject to every possible risk. Don’t bother reading the brochure. We have all your money & we’re still not be responsible for any losses therein. We shall continue to charge our management fee, regardless of whether you make money or not.”

Some people fall under the guise of companies like Kalpavriksh and Sharada in the face of high returns and lose their hard-earned money. Have you ever noticed that when we put money, a significant portion of our savings (5% to 40%) is first released in the pocket of agent, fund manager or broker as commission or fee? And that's why we may not get good returns on our investment.
But if we are not bound to pay commission to the agent or if there is no agent between the investor and the company, then surely we can get good returns on our investment.

So can it be possible in today's financial environment that…

1.  There is no agent, fund manager or broker between you and the company…,

2.  You do not have to pay commission or fees to any agent, fund manager or broker

3.  The Government of India should guarantee your money…,

4.  Investment of your money will be in a recognized institution of the Government of India.

5.  You will get minimum 15% returns on saving.

6.  You also get rebate of income tax on your saving.

7.  Along with this, 400 times of your investment life insurance cover  and 900 times accident cover

Yes, it is possible.

Big business people, celebrities, high profile people are picking up the benefit of this "NO BROKER SCHEME". Those who have known have benefited. This is not a conspiracy to loot your money but it is a genuine idea of investing money. 100% of your money will be invested in a government company. Call us for details. We do not charge any fee for guidance. You can get details in our blog also.

ASHOK SONKUSALE :- 9967142068