What does the free accident insurance cover?
MAS will offer free personal accident insurance of Rs2.5 lakhs. It will cover accidental death and permanent total disability. Today, you may have a good life insurance cover, but you will still need accident insurance to cover disability. Life insurance covers only the event a death.

How do I get the free accident cover?
The free personal accident policy offered by MAS is a group policy. You can get the details of your Free Accident cover, by visiting our website: https://advisor.moneylife.in/insurehealth/freeaccident.html

How do I add a nominee to my free accident cover?
All you need to do is just provide the details of your nomination on the hand holding section, name of the nominee, age of the nominee, relationship of the nominee with insured, etc.

How are you selecting the most appropriate insurance policies?
We have multiple criteria for selecting the right policies. These are:

• Premium rates
• Standards benefits and features
• Extra benefits and features for MAS members
• Product with appropriate policy term, age limit for entry and exit
• Proper medical underwriting
• Desired sum assured, single/limited/regular premium term
• Non-smoker and smoker rates
• Availability of product in specific location
• Company's claim settlement history
• MAS's assessment of the management intent and customer-orientation of different insurance companies.

I already have insurance policies. Will you suggest whether to continue with them?
Yes, we will advise you on your existing insurance products through our handholding section.

Why do you focus only on online term life insurance plans?
Online term plans are much lower in price than offline plans and gives you far greater coverage than any other kind of insurance products.

How do I know that a particular online term life plan is good for me?
We have narrowed down our search to few online term plans, which will match the needs of most of MAS members.

Are the mutual fund schemes selected by MAS reliable to invest in?
MAS is backed by India's best research on financial products for which Moneylife has acquired a huge reputation. We have talented analysts and journalists who do all the unbiased reserch work for you. These are young, passionate and hard-working people who share the same vision to offer advice that is safe and effective. We use external databases to support our team. Since we do not sell financial products, our selection is totally unbiased. Our earlier selections are there in print and web for anybody to examine. To read what savers say about us, click here

Will MAS-selected mutual funds assure us of the highest return in that class or category?
No. We do not say that our research will help you get the highest return. We look for safe products with a very high chance of above-average returns.

Are you saying that mtual funds that are NOT recommended by MAS are bad?
Not necessarily. But remember that the killer aspect of all financial products is not the promised return today, but unseen risk in future.

How are the equity mutual funds schemes selected ? Step1: Select schemes which have been in existence for five years or more and having a corpus of more than Rs100 crore.

Step2:
Categorise them under

• Mid-cap and small cap
• ELSS

Step3:Rank the schemes under each category, as per the following criteria: the geomean return of the scheme over the past 20 quarters, performance vis-a vis its peers in the group, performance against the benchmark, and ability to perform consistently. Benchmarks considered are Nifty Free Float Midcap 100 (small and mid cap scheme), Nifty TRI (large cap scheme), S&P BSE 200 (multi cap scheme and ELSS).

Step4:
Combine the ranks and pick the top ones. Each scheme has to be in the top 50 percentile of each parameter to be considered for the final list.

How are the debt mutual schemes selected
Step1: Our universe of analysis includes floating rate fund, income funds, short term funds, ultra short term funds, gilt funds and liquid funds. We do not consider schemes which in existence for less than 3 years and having a corpus of less than Rs50 crore.

Step2: These are classified on the basis of average maturity years into liquid schemes (1year or less), short term (less than 6 years) and long terms (more than 6 years)

Step3: We rank the schemes as per their performance over 13 rolling quarters, expense ratio, yield to maturity and 90% or more of allocation to instruments with high creditworthiness.

Step4: Combine the ranking under the above parameters and arrive at a combined rank.

Are the investments selected by MAS reliable to invest in?
MAS is backed by India's best research on financial products for which Moneylife has acquired a huge reputation. We have talented analysts and journalists who do all the work for you. These are young, passionate and hard-working people who share the same vision to offer advice that is safe and effective. We use external databases to support our team. Since we do not sell financial products, our selection is totally unbiased. Our earlier selections are there in print and web for anybody to examine. To read what savers say about us, click here

Will I get all the stockletters as part of MAS service?
You get only the Lion stockletter with MAS. You will need to subscribe for the other stockletters separately from here https://sl.moneylife.in

Can I get access to all the earlier stockletters?
At any time, you get access to the current week's stockletter and the previous three week's stockletter. You need to follow the recommendations mentioned in the most recent stockletter.

Will MAS help me to restructure my existing investments?
Yes. You can upload the details in an excel sheet in the hand holding section. We will review it and upload the recommendations from our side.

Will I get all the stockletters as part of MAS service?
You get only the Lion stockletter with MAS. You will need to subscribe for the other stockletters separately from here https://sl.moneylife.in

What do I get with the Lion Stock letter?
Each stockletter consists of three pages. The first page is a summary of the market trend and highlights any change in the list. The second page consists of one line summary of why we think the stock merits attention. The third page is a summary of financials.
It is important to know what you will not get. You will not get detailed research reports, analysis of quarterly results or notes on ongoing development, the kind that stockbrokers produce. The stockletters are meant for subscribers who want a list of quality stocks, which they can choose to research and invest in. They don't want to be inundated with more information, given that everybody is suffering from information overload. We follow a system-driven or a quantitative approach to stocks. We use a proprietary ranking system which to filter stocks as per multiple parameters. If you are interested in detailed explanation and long research reports, the stockletters are not meant for you.
You must read the all details about the stockletter stockletter before subscribing. The FAQ and and the historical performance is here: https://sl.moneylife.in/#faq

1. Only as an information source: You can use the stockletters simply as source of information. In that case, you would treat this as a list of quality stocks shortlisted by us, which may merit further research and analysis and then possibly could be chosen for investments. Remember, we are not recommending that you buy these stocks. We are merely using our screening system to offer you a shortlist of stocks. If you wish to act on this shortlist, please consult an investment adviser who would guide you about the appropriateness of these stocks, in conjunction with your risk profile and suitability of stocks as an investment product. These stockletters as information source is for those who understand the rewards and risks of investing in stocks for the long run and use the list for doing their own research with their own time and resources. It would not be possible for subscribers to do their research through us.Subscribe to the other stockletters

2. As Investment Recommendations: You can also use the stockletters as investment recommendations. If you wish to do so, you would be using us as investment adviser. This would involve subscribing to MAS premium membership.

Can I get access to all the earlier stockletters?
At any time, you get access to the current week's stockletter and the previous three week's stockletter. You need to follow the recommendations mentioned in the most recent stockletter.

Will MAS help me to restructure my existing investments?
Yes, if you subscribe to the restructuring package. If you don't subscribe to the restructuring package you can upload the details in an excel sheet in the Ask section. We do a quick check and upload our opinion.

If I buy Antelope stock letter as an additional subscription will you guide me to choose stocks from Antelope and Lion?
As mentioned in https://sl.moneylife.in/#faq, we will only provide a list of stocks, out of which you have to decide on your own, what to choose, in case you don’t want to invest in all of them.

How do I use the site after I pay my MAS membership fee?
You will a get a welcome mail after you become a member which will tell you what you have subscribed for. You will have access to the parts of the website you have subscribed for, including the magazine, for as long as you are a member. These sections are common for all subscribers:
1. Free accident insurance
2. Fixed income recommendations
3. Save Tax: Tax saving tools
4. ELSS Sip tool

Finally, if you have any questions, please feel free to ask here https://advisor.moneylife.in/handholding.html#query

I am an existing subscriber to the magazine and the Lion stockletter, how will my subscription be adjusted if I opt for MAS?
After a make your payment for MAS, your MAS subscription will be extended with the credit balance available with us on your existing subscriptions.

Will the hand book be sent to me? Or how do I access the Moneylife hand book?
The Moneylife Handbook is online accessible through this link https://advisor.moneylife.in/handbook/manage-your-money/bank-accounts/5.html

Is there a printed version of the Moneylife Handbook? Can I get a copy?
We have not printed any copies of the handbook yet, as it needs to be updated periodically. However if you wish we can forward you a pdf copy of the same. The Moneylife handbook comes bundled only with the premium subscription.

How many queries can I raise on the hand holding section? Is there any limit to the number of queries I can ask?
You can raise as many queries you want on the hand holding section. There is no limit to the number of queries. However, we have restrictions on what kind of questions you could ask. Please read this first: https://advisor.moneylife.in/handholding.html#read-me

Can I get guidance over the phone?
No, we would like to be fully accountable for what we suggest. Hence we would request our subscribers to use the platform so that we that both you and us have a complete record of all your questions and our advice that can be easily verfied later.

Will the magazine issue be delivered to my postal address?
No, Moneylife magazine is not a print publication anymore. You will get access only to the digital content of the magazine. You can view the Moneylife Online Magazine against your MAS subscription, from your profile : https://advisor.moneylife.in/profile.html#view.

How do I know when the site is updated?
You will get a an alert in your inbox on the site.

Can I share the content with others?
You should not. You should encourage others to join this unique.

Can I pay on monthly basis?
No, it is a yearly subscription programme. You cannot pay on a monthly basis.

What If I don't use the service for few months, will it get extended?
The membership is for fixed periods and not extendable.

I have subscribed for MAS and stockletters. How do I view the stockletters?
You can view by visiting your MAS profile in the dashboard here - https://advisor.moneylife.in/profile.html#view

Will an advisor from your team get in touch with me?
No. We cannot assign individual advisors. We like to be fully accountable for what we suggest. Hence we request our subscribers to use the platforms, such as ASK section, so that we both have a complete record of all your questions and the advice which can be easily verified later.

Is there a trial or freelook off period for MAS and investools? Do you have a sample offering of the same, so I can decide? Once I take a subscription of stock letters, do I have to subscribe to it perpetually or will I still get inputs about when to hold or exit after subscription expires?
There is no trial or freelook period for MAS subscription. Request you to please go through the FAQ before subscribing https://advisor.moneylife.in/faq. The subscription to MAS is non refundable. Unfortunately it would not be possible for us to provide any support after the expiry of your subscription.

I have subscribed for MAS and stockletters. How do I view the stockletters?
You can view by visiting your MAS profile in the dashboard here - https://advisor.moneylife.in/profile.html#view

I have recently taken the Online financial Advisory Services subscription. Where do I go from here?
Once subscribed you would have received a Welcome aboard mailer with the links to view/access the premium content against your subscription and the optional packages you have signed up for. If you have any specific question about your financial life, use the Ask section and put your question.

Is there any document/guideline or video to maneuver through https://advisor.moneylife.in website.
There is no video as yet but we are ready to answer all your queries. Please post your queries in the Ask section.

How can I pay the membership fees?
You can pay online by net banking or credit / debit card here https://advisor.moneylife.in/pricing.html. We prefer an online payment because your account gets automatically created.

How do I make an offline payment?
You can send a Demand Draft / Cheque in the name of MONEYLIFE ADVISORY SERVICES PVT LTD and courier/post it to our Subscription Department at.,

Moneylife Advisory Services Pvt Ltd.
102, 1st Floor, Prabhadevi industrial estate, veer savarkar marg,
Mumbai – 400025 Maharashtra, India.

OR, you can also deposit cash / cheque into our account or also do a Direct NEFT Transfer.

Our Bank account details are as under:
Account Name: MONEYLIFE ADVISORY SERVICES PVT LTD
Account No: 5012978293
Bank Name: KOTAK MAHINDRA BANK LIMITED
Branch: CADELL ROAD, SHIVAJI PARK -400028
IFSC code: KKBK0001376
MICR Code: 400485085

Kindly do write to us at [email protected] as and when you deposit the amount so that we can keep track and confirm the receipt of your payments and guide you further on the pending offline process accordingly.

Are fees paid refundable and/or transferable?
Fees once paid are non-refundable and non-transferable.