This does not constitute investment advice. Returns mentioned herein are in no way a guarantee or promise of future returns. Stock market investments are subject to market risks.
Do You Make This Common
Mistake While Investing?
Some investors always seem to invest in the right stocks,
but still NEVER have as much money as they want

But given below is an approach you can use
to grow your wealth and also bring in money consistently
to fulfill all your small and big needs and desires...

Dear Reader,

Lets face it - any big expenditure leaves most of us worried.

Even if it was pre-planned and for a good thing -- like the marriage of a child, the purchase of a car or a vacation we always wanted...

...despite enjoying the occasion, at the back of our mind we often can't stop thinking about all the money we just used up!

Maybe you're one of those who is so rich that any expenditure, big or small, doesn't worry you at all.

But if you don't fall into that category yet, we can show you a way to NEVER think twice about paying for the good things in life again.

That's right!

With the approach we are going to show you now, you'll have money coming in on a regular basis to meet all your small & big needs and desires.

And the best part - if you keep implementing this approach sincerely, the inflow of money could never-ever stop!

We understand you may find this hard to believe right away.

But if you give us a few minutes, we'll show you exactly why this method is so effective.

And how it's indeed possible to generate regular inflows with it if you implement it properly.

But before that, here's why we decided to reveal this approach now. . .

You see, traditionally in India, people have always leaned towards fixed-deposits for growing their money.

With the passage of time, even though people have started investing their money in the stock market too, a LOT of them still invest in stocks in a haphazard manner.

They invest their money in some stocks randomly, without any planning and research, and end up losing money.

Or if they get it right, the returns don't reach them when they need their money the most!

So the reason for revealing this approach now is twofold:

  1. To show you the right way to invest in that your overall risk is reduced, and the returns reach you in time of need or to help you fulfill your life's desires

  2. To give you the right tools so that you can put the approach into action easily

More on the right tools part in just a moment...

But first, what exactly is the approach we are talking about?

Look, what we are going to suggest is something very simple.

But the secret to truly transforming your life with this approach is implementing it sincerely.

If you do that, we are confident of this approach producing significant and consistent returns for you over time.

So anyway, here's what we are suggesting you do...

Every year, decide up front how much money you want to invest in stocks during that year.

This could be Rs 50,000, 2 lacs, 5 lacs, 10 lacs, or whatever. The amount doesn't matter!

But once you've decided that amount, out of it:

  • 50 to 60% of it should eventually go into blue-chip stocks
  • 25 to 30% into midcap stocks
  • And the remaining 5 to 10% into small cap stocks

Yes, please see this picture showing how your investments must be divided:

And the most important thing ? you should follow this plan not just once, but every single year sincerely.

And why is this important?

Firstly, there is lesser risk when your total investment is divided in the above manner between different types of stocks.

As you may know, blue-chips are less risky than midcaps, and midcaps in turn are less risky than small caps.

So by dividing your investments in this way, you not only invest more of your money in less-risky stocks...

...but at the same time, also avoid missing out on high-return investments which are more risky.

Secondly, each stock type consists of companies in different stages of their lifecycle.

So each of these companies would take different periods of time to grow and give you sizeable returns.

Some stocks may take 1 year, some 3 years, some 5 years and some 8 years to reach their full potential.

So by following this approach consistently every year... and dividing your total investment in the just stated manner between different stock types, You'll have one stock or the other close to paying you money at any point in time...

Thereby keeping you well-funded at ALL times.

Imagine implementing this method and having 6 or
8 or maybe even more investments paying out during a year.

If this happens:

  1. You'll never have to worry about where the money for your child's education or marriage, or a family vacation would come from

  2. You'll never have to think twice about acquiring that new high-end smart phone, a 50-inch LED TV or some other expensive gadget you want

  3. And most importantly, you'll also never have to worry about how you're going to replace all the money you used up!

Okay, but now comes the all-important question...

How will you know which blue-chip, which midcap, or which small cap stocks to put your money in?

Surely, you can't put your entire blue-chip allocation into a single blue-chip stock and so on.

You have to divide and diversify further to minimize your risk and maximize your returns.

Yes, and this is where Equitymaster comes in. . .

You see, when we came up with idea of showing you this investing approach, we clearly understood one more thing also...

We understood that we also had to make it possible for you to get well-researched investment suggestions for each stock type easily.

After all, investing in the 'right' stocks is vital for the success of any investing plan.

And that's the reason we decided to offer our 3 best research services -- which cover blue-chips, midcaps and small caps -- together as a package.

Yes! These are the right tools that we were referring to earlier.

To begin with, let's quickly take a look at what these 3 services are all about...

Premium Research Service #1: StockSelect

If you've been investing in stocks for even a short while now, you've definitely heard at least one of the following things about blue-chips:

  • Blue-chips are all about safety and consistent dividends
  • Blue-chips can never make you big returns
  • Blue-chips are too expensive even to just buy and hold
  • You will never get rich investing in blue-chips...
  • ... and so on

But the truth is not only can blue-chips offer you safety and consistent dividends, they could also make you triple-digit returns...

Often in a period of just 2-3 years, without much risk.

In fact, our subscribers who acted on our recommendations and bought the stocks we recommended have seen multiple double and triple-digit earners in just two years or so.

✓    264% on Axis Bank in 5 years and not a SELL yet
✓     162% on Ultratech Cement in 1 year
✓     233% on Bank of Baroda in 1 year 8 months
✓     315% on GSK Consumer in 2 years 10 months
✓     750% on TCS in 5 years 1 month and not a SELL yet

And the secret to such returns?

Grabbing good blue-chip companies with strong future prospects when they are selling for less than their real value.

Yes! When you grab good companies cheap, making big returns from them becomes all the more easy.

That's what our blue-chip recommendation service, StockSelect, helps you do.

Our team is on the constant lookout for good blue-chips selling cheap, and when we come across such companies we recommend them to our subscribers right away.

And did you know that on an average, 77.8% of all our "Buy/Hold" StockSelect recommendations between 2002-2013 have met their targets during their investment tenure?

In other words, 8 out of every 10 StockSelect recommendations have hit their target.

This by itself is a strong proof that our StockSelect service works.

Through StockSelect, we will send you our best blue-chip ideas on the last Friday of every month.

Look, the fact is that we research hundreds of blue-chip stocks throughout the year. But at any point in time, only a handful of them will be attractive opportunities.

And among these again, some opportunities will be more attractive than the others.

So once a month through StockSelect, we will send you a report discussing the best blue-chip opportunities at that time.

Apart from talking in detail about one good blue-chip opportunity, the report will also give the Top 5 blue-chips you could buy right away at that point.

In case a company is really good but the stock price is not right yet, we will tell you the price at which to buy the stock later.

And the report will also have updates on all our open StockSelect recommendations from earlier.

All these should give you enough blue-chip investment ideas for your 50-60% blue-chip allocation!

In addition, you will also get our new special report titled, "Equitymaster's Top 5 for 2020", giving you 5 blue-chip stocks that could be Star Performers of your portfolio by 2020.

Then we have...

Premium Research Service #2: MidcapSelect

I'm sure you've heard of investors who got rich quickly when a company they invested in got very big in a few years.

At the same time, I'm sure you've also heard of people who lost all their money when a company they thought would be "the next big thing" got wiped out all of a sudden.

Both of these scenarios are very common among midcap companies.

The truth is... there are many good midcap companies waiting to break out of their shell and become big.

But at the same time, there are also many others that will vanish without a trace just after a few years.

Our midcap recommendation service, MidcapSelect, helps you find the reliable midcap companies without falling prey to bad ones.

Companies that are capable of turning into blue-chips in the years to come.

Plus, the most important thing ? we talk face to face with managements of companies and do due diligence before recommending them to you.

So that helps you avoid Satyam-like companies indulging in frauds, which are dime a dozen among midcaps.

Here's how some of our midcap recommendations have fared of late...

✓     155% on Kansai Nerolac in 1 year 1 month
✓     160% on Shriram Transport in 2 years 2 months
✓     105% on Kajaria Ceramics in 1 year 8 months
✓     100% on Kanoria Chemicals in 1 year 9 months
✓     644% on VST Industries in 5 years 1 month and not a SELL yet

And just like in the case of blue-chips, in this case also 66.8% of our Buy/Hold midcap recommendations between 2002-2013 have hit their target prices on or before the date of the stipulated holding period.

So nearly 7 out of every 10 midcap recommendations have hit their target!

Once a month through MidcapSelect, we will send you a report discussing the best midcap opportunities at that time.

The report will talk about one good midcap opportunity in detail, and also give the Top 5 midcaps you could buy right away at that point...

Along with updates on all our open MidcapSelect recommendations from earlier.

So all these should give you enough midcap investment ideas for your 25-30% midcap allocation.

Lastly we have...

Premium Research Service #3: Hidden Treasure

You probably know Blue-Star today as a company that's involved in a lot of things.

But did you know that at one time, it was just a 3-member team engaged in the reconditioning of air conditioners and refrigerators?

It's true! Many other big companies out there today also had similar humble beginnings.

They were all small companies that managed to survive and achieve enormous growth.

Now, experience tells us that only 3 out of 5 small cap stocks have a chance of succeeding.

So what was the thing that set apart these companies from the other small companies that failed?

Well, all these companies were already leaders in the small area of the industry they operated in.

And the aim of our small cap recommendation service, Hidden Treasure, is to find similar small companies.

Small companies that have an edge over their bigger competitors in their area of work. And which could do well over a 3-5 year holding period.

Here's how some of our small cap recommendations have done in just about 3-4 years since we recommended them:

✓     114% on City Union Bank in 4 years 1 month and not a SELL yet
✓     288% on KPIT Cummins in 2 years 5 months
✓     449% on NIIT Technologies in 5 years 4 months and not a SELL yet
✓     2,041% on Page Industries in 5 years 1 month and not a SELL yet
✓     160% on Suprajit Engineering in 1 year 11 months

If you would like such BIG returns too... and don't mind taking calculated risks to achieve the same... then Hidden Treasure is the service for you.

Once a month through Hidden Treasure, we will send you a report discussing the best small cap opportunities at that time.

This report too will talk about one good small cap opportunity in detail, and also give the Top 5 small caps you could buy right away at that point...

Along with updates on all our open Hidden Treasure recommendations from earlier.

All these should give you enough small cap investment ideas for your 5-10% small cap allocation!

Plus, our new special report titled "Steady Income Smallcaps - II" for free

Yes! You'll also get our special report "Steady Income Smallcaps - II" consisting of 3 small cap stocks we believe could at least double over the next 4-5 years.

And what's special about these 3 stocks is that they have also paid consistent dividends to their investors year after year.

So you can benefit from these stocks in not one, but two different ways... and you get information on them for free now.

And we are only getting started!

Here's what else you get apart from the 3 services and premium reports...

*The Equitymaster Intelligent Portfolio Tracker*

The Portfolio Tracker is an online utility that helps you track all your equity and mutual fund investments of all your family members in one place!

Some of the special things you can do with it are import and export your data from and to Excel, access your account from your mobile phone, and also generate "intelligent reports" for your portfolio.

These intelligent reports will help you analyse your portfolio in greater detail, just like your wealth manager or a smart fund manager would.

And Portfolio Tracker also costs Rs 330 per year usually. But now, you get it absolutely free with this offer.

The next in the lineup is...


S-features comprise of hundreds of articles and reports released every year, and available only to our premium subscribers.

Excerpts of management meetings, extracts of conference calls, updates on the happenings in a company and our views on them are all included in S-features.

All this information will serve as valuable input for your investment decisions.

And we are not done yet...

*How to Plan Your Equity Portfolio* :
Our Very Popular Asset Allocation Guide

We have noticed that many investors either take too many unnecessary risks and lose money...

Or stick to an over-cautious approach and forgo excellent money making opportunities.

Therefore, our intention through this guide is to help you achieve the right balance between minimizing your risks and maximizing your returns...

...and by doing so, become richer in the long run.

This report will provide you additional help in diversifying your investments and putting the plan we gave you earlier into action.

And finally, you also get a complimentary copy of...

* The Daily Reckoning *

The Daily Reckoning is a daily financial e-column by Bill Bonner - Publisher and Editor, and three-time New York Times best-selling author.

It is published every day in 3 languages, from offices in 6 countries. And now, it's your turn to get it for FREE!

You'll find this extremely useful if you're interested in monitoring or even investing in the global markets.

Now, you must be thinking all of these things would cost a LOT. But no!

Our blue-chip research service StockSelect, midcap research service MidcapSelect, and small cap research service Hidden Treasure normally cost Rs 5,000 a year each.

But now, for a very limited time, we'll let you sign up for all the 3 services together... for Rs 4,950 only!

That's an immediate saving of Rs 10,050 or 67% on the total price!

Plus, you'll also have 30 days to try these services without any risk.

If you feel these services are not for you, let us know before the 31st day, and we'll refund the full Rs 4,950 you paid.

And by the end of the trial period, you'll also know the Top 5 stocks from all our 3 services to invest in... regardless of whether you stay on or not.

You see, the reason for making this offer to you is that you get all the stock research you need to execute this plan from Equitymaster itself without looking anywhere else.

Of course, at this point you might ask... "But why should I trust Equitymaster over others?"

And we are more than happy to answer your question...

Hi, my name is Rahul Goel and
I'm the CEO of Equitymaster.

As you may know, Equitymaster has been in this industry for a LONG time.

In fact, we were the FIRST Indian entity in the finance domain to venture onto the Internet.

And now, we have completed over 17 years in the online space.

As of 8th April 2013, we have over 1,484,807 registered members in 71 countries worldwide!

But at the same time, we're NOT stock brokers. We don't gain anything even if you buy the stocks we recommend.

However, it's extremely vital to us that the stocks we recommend make you money.

Because if you don't make money from our recommendations, you will simply not renew your subscriptions.

And, you'll also tell your friends not to sign up for our services.

We would never want that to happen. And so, we take extreme care while finalizing the stocks to recommend to you.

All our recommendations are supported by thorough research ? we list out the reasons to buy and also the investment concerns that we foresee.

We travel far and wide to meet companies before we put out reports on them.

For each stock, we clearly state the target price and also the time horizon for achieving the same

This is exactly why over
1,484,807 registered members
(of all Equitymaster services combined) trust us!

Here's what one subscriber had to say about our research...

"It's been 5 years since I have been a subscriber to all the products of Equitymaster (EM). EM's "power to people" approach is what made me to associate with them initially. EM's honest, independent and consistent research on stocks is worth appreciating. In short, I must say it has been a "rewarding" experience."

-- S R Samratt, an Equitymaster subscriber since 2005

Another big reason why our research tends to be accurate more often than not is...

Most investors take the return on stock investment to be the key yardstick while deciding whether or not to buy a stock.

But legendary investors like Benjamin Graham and Warren Buffett have always maintained that 'evaluation of risks' should be given as much importance as 'estimation of returns'.

It is in this direction that our research team has developed the Equitymaster Risk Matrix or ERMTM which helps quantify the risk attached to a stock.

The ERMTM is an integral part of our stock selection process.

You probably understand that no two companies have the same degree of risk associated with them.

Even if they operate in the same sector, their business dynamics, valuations and managements are different.

That's why it is important to evaluate the risk involved in each case separately...

And the ERMTM is designed just for that!

The ERMTM is a matrix designed to evaluate the key risks attached to a business, its financial history and its management.

It ranks not just the company but also the sector in which it operates based on its relative risk profile.

When markets were at their nervous best in late 2008, our Buy recommendations on ACC, Tata Steel, Corporation Bank and Maruti Suzuki were backed by our confidence in the low risk profile of these companies as shown by ERMTM.

As expected, these stocks went on to multiply our subscribers' wealth several times.

Again, it is the same ERMTM that we rely on to quantify the risks we believe subscribers need to be cautioned about while recommending a 'Sell'.

Given the complex operating environment that Indian business are aspiring to be a part of, we believe the ERMTM can offer immense value to investors.

And it could help them maximize their long term returns without taking on too much risk.

Here's what another subscriber says...

"In 2007, Equitymaster was probably the only research house which will give most of HOLD or SELL recommendations rather than BUY reports and everyone knows what happened after that. I feel to be proud subscriber of Equitymaster seeing again that you still are not afraid of giving the right opinion irrespective of market moods. Great Job!!!"

-- Deepak Aggarwal, an Equitymaster subscriber since 2007

However, all this is not to say we don't make
any mistakes at all. . .

No, we have made our share of mistakes too.

Like when we recommended MIC Electronics in July 2009...

The key reason for our belief in this company was its prominent presence in the fast growing LED lighting space, where it is a market leader in India.

The company had grown strongly in the past and its balance sheet also appeared good.

However, despite our good expectations, the company failed to capitalise on the growth opportunity. And in fact even lost a major order from one of its key clients.

To add to this, we were also not happy with the management's silence on the several issues facing the company.

So we recommended our subscribers to sell the stock... but by this time the stock had lost 45% from our recommended price.

So what we want you to understand here is...

Even though we do thorough research and make all efforts to be as accurate as possible, there will always be factors and unexpected events that we can't control.

And because of these, from time to time, our predictions could go wrong.

But one thing you can always be sure of is, when you receive a research note from us, it will be our honest, unbiased opinion about the stock...based on certain time-tested criteria and assumptions.

To summarize, here's everything you get from signing up for this offer...

  • For A Limited Time Only: StockSelect, MidcapSelect and Hidden Treasure together as a package

  • "Steady Income Small Caps - II" Our new Hidden Treasure special report for free

  • Ongoing coverage on the stocks recommended through these 3 services

  • Instant Access to S-Features

  • Our Hugely Popular Asset Allocation Guide. Absolutely Free

  • Free subscription to the The Daily Reckoning by Bill Bonner

And all these you get for
just Rs 4,950 for a year!

As we've been saying all along, if you sign up for all these 3 services separately, it would cost you Rs 15,000.

But now, you're getting all of them together as a package for just Rs 4,950... which comes to a low of Rs 1,650 for each service!

This is less than one-third of what it'd normally cost you!

And these 3 services will together send you almost all of our well-researched, extremely attractive recommendations over the course of the next one year.

All solid, unbiased research that you can use to build a portfolio which will keep paying you consistently over the years to come.

And the most important part -- we don't just recommend stocks and forget about them.

Every month in our reports, we review all the recommended stocks that have yet to meet the target price, or are yet to complete the recommended tenure of investment i.e. all open positions.

We illustrate in detail our reasons for maintaining the stance or change in stance.

So if anything isn't looking good with a stock, we bring it to your attention and you can exit it right away.

You'll never be left to wonder how things turned bad all of a sudden.

And then, there is also the "Quarterly Result Analysis" where we analyze the quarterly results put out by companies.

Here's what one subscriber had to say about it:

"I appreciate your dedication in giving periodic reviews and outlook/current recommendations. This is a stand out feature in your basket!"

-- Srinivasan S, an Equitymaster subscriber since 2009

The decision is yours now. . . and we believe you
already know what's the right thing to do

We have a 30-day, FULL refund guarantee on this offer, so you should at least use this opportunity to check out our 3 premium research services.

During the course of this 30 days, we'll send you 1 new report each from StockSelect, MidcapSelect and Hidden Treasure

...and we'll also give you access to archives of ALL the old reports from these 3 services!

These should be enough for you to figure out whether these services are for you or not.

If you don't like what you see, just ask for a refund before the 31st day and we'll issue it without any questions.

And you can also keep anything you downloaded during this period as a "thank-you" for trying our services.

But like I said, without this opportunity you won't be able to get the 3 services together at a HUGE discount.

And you also won't get our 2 special reports consisting of 8 stocks (5 blue-chips + 3 small caps) which you could add to your portfolio right away.

So don't hesitate!

Act soon to avoid missing out...

We look forward to welcoming you into the fast growing Equitymaster family!

Click Here to get our 3 most popular services now!

I look forward to having you on board with us.

To your wealth, always.


Rahul Goel
CEO, Equitymaster

P.S.: This is an opportunity to create a well-diversified portfolio that helps you meet all your small and big needs and desires. A time-tested approach that ensures you won't have to worry about money when you need it the most.

P.P.S.: Get our 3 best stock research services together at more than 65% Off and that too with a 30-day money back guarantee. So go ahead... Subscribe Now and build your investments across Large Caps, Mid Caps and Small Caps.

P.P.P.S.: If you have any queries, please do not hesitate to contact us at +91-22-61434055 or Write in to us. We will be delighted to assist you!

Click Here To Take Your First Step
To Creating A Well-Diversified Portfolio

*Returns have been calculated as on 14th March, 2014 or on the date of Sell Recommendation, whichever is applicable.
** StockSelect Track Record calculated for closed positions from 2002 to 2013.
*** Past performance has no bearing on future performance

Copyright © Equitymaster Agora Research Private Limited. All rights reserved.
Any act of copying, reproducing or distributing this newsletter whether wholly or in part, for any purpose without the permission of Equitymaster is strictly prohibited and shall be deemed to be copyright infringement.

LEGAL DISCLAIMER: Equitymaster Agora Research Private Limited (Research Analyst) bearing Registration No. INH000000537 (hereinafter referred as 'Equitymaster') is an independent equity research Company. Equitymaster is not an Investment Adviser. Information herein should be regarded as a resource only and should be used at one's own risk. This is not an offer to sell or solicitation to buy any securities and Equitymaster will not be liable for any losses incurred or investment(s) made or decisions taken/or not taken based on the information provided herein. Information contained herein does not constitute investment advice or a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual subscribers. Before acting on any recommendation, subscribers should consider whether it is suitable for their particular circumstances and, if necessary, seek an independent professional advice. This is not directed for access or use by anyone in a country, especially, USA, Canada or the European Union countries, where such use or access is unlawful or which may subject Equitymaster or its affiliates to any registration or licensing requirement. All content and information is provided on an 'As Is' basis by Equitymaster. Information herein is believed to be reliable but Equitymaster does not warrant its completeness or accuracy and expressly disclaims all warranties and conditions of any kind, whether express or implied. Equitymaster may hold shares in the company/ies discussed herein. As a condition to accessing Equitymaster content and website, you agree to our Terms and Conditions of Use, available here. The performance data quoted represents past performance and does not guarantee future results.

SEBI (Research Analysts) Regulations 2014, Registration No. INH000000537.

Equitymaster Agora Research Private Limited (Research Analyst)
103, Regent Chambers, Above Status Restaurant, Nariman Point, Mumbai - 400 021. India.
Telephone: +91-22-61434055. Fax: +91-22-22028550. Email: Website: CIN:U74999MH2007PTC175407