Name:                           XYZ
Date of Birth:               3rd November 1969
Place:                           New Delhi
Gender:                        Male
Time:                            01:01 AM 
Report:                          Investment Portfolio Report for 2 years

DEAR XYZ,

THANKS FOR CHOOSING http://www.indastro.com

KIND OF INVESTMENT SUITABLE [TILL 30 JUN 2012].

SAFE AND CONVENTIONAL INSTRUMENTS LIKE SAVINGS, GOVT. SECURITIES AND BONDS:
This option is recommended to keep your available funds blocked deliberately for future use while earning some reasonable return.
Safety and then less liquidity are most important keeping in view the current and future state of your financial needs.
These investments should be suitably timed to meet your expected future requirements.

REAL ESTATE:
Not suitable.

EQUITY, STOCK MARKET, MUTUAL FUNDS AND SPECULATION:
Direct speculative investment is not suitable.
Investments through Mutual Funds are suitable during 2008 only but in a restricted way.

DEBT INSTRUMENTS AND GIVING LOANS:
Not Suitable at any time.

INVESTMENTS IN OWN BUSINESS:
Not suitable.

2. SUITABILITY OF SPECULATION [TILL 30 JUN 2012].
Not suitable

3. AREAS AND INDUSTRIES SUITABLE [TILL 30 JUN 2012].
The following areas are suitable for investments through MF-s provided these areas are mentioned in the Offer Document.
Pharmaceutical Intermediates Industry.
Prescription Medicine Industry.
Chemicals.
Fertilizers.
IT Industry [Product companies only].
Publication Industry.
Construction Industry.

4. INVESTMENT POTENTIAL IN THE NEXT TWO YEARS [TILL 30 JUN 2012].

OVERVIEW FOR NEXT TWO YEARS [TILL 30 JUN 2012]:
Moderate volumes of investments from own funds would be possible during 2008 [till Nov 2008] and during 2012.
Volume of investments will sharply decline during 2009 but will slowly get better from the start of 2012.
Income through recommended investments will be fairly stable and good during 2008, quite modest during 2009 but will improve again during 2012.
Investments recommended for 2008 and 2012 would be for government bonds and securities and also for MF-s.
The only investment recommended during 2009 will be in government bonds and securities and nothing else.
Security, stability and easy withdrawal possibility will need maximum support during 2009.

PERIODS VIS-O-VIS POTENTIAL:

YEAR 2011:
Modest but stable gains through recommended investments.
Invest/reinvest in government security or bonds and mutual funds only.
Do not invest anywhere else.
Don't lend for gains.
Don't invest in land related areas.
Don't borrow from any source, institutional or personal to make investments.
Gains from any other investment made earlier will fall or cease.

YEAR 2012 [TILL 30 JUN 2012]:
Till the end of 2009 this period can bring only moderate gains through recommended investments.
Quantum of investments can increase considerably through others' funds [borrowed or any other] but is not recommended.
Invest/reinvest in government security or bonds only up to at least 80% of total available funds.
The balance 20% should be maintained as liquid reserve for emergencies.
Do not invest anywhere else.
Don't lend for gains.
Don't invest in land related areas.
Don't borrow to invest from any source, institutional or personal.
The gains will be steady and stable from recommended investments alone.
Gains from any other investment made earlier will fall or cease.
The recommended restrictions and disciplines must be followed during 2009 very strictly and without any deviation.
You can resume investing in MF-s with effect from Jan 2012 in addition to your investments in government bonds and securities.
These will bring better profits during 2012.
However continue to avoid investments in real estate even during 2012.