Frequently Asked Questions

What is Moneylife Advisory Services?
Moneylife Advisory Services Pvt Ltd is a SEBI registered Investment Advisor (registration no: INA000003429).

For financial consumers, who need customised help, Moneylife Advisory Services provides ethical and effective advice on insurance, investment, taxes and financial planning backed by a decade of rigorous, unbiased research.

What are the core benefits of being part of MAS?
This is the place to Fix Your Finances, forever. You get to handle your investments and insurance with the greatest ease because we are doing all the hard work of sifting and selecting for you. The main problem with financial products is lack of accountability. The agent, the distributor or the wealth manager may sell you a product that looks good today and carries a lot of promises, but may not deliver. Mutual funds lose a lot of value, insurance claims are not met, corporate fixed deposits not being returned and so on. If you follow our recommendations, you can stay out of harmful financial products sold to you through false promises and deception, and grow you wealth peacefully.

What exactly do I get from this service?
MAS offers you financial planning and solution and you really need.

The following six features are common for all premium subscribers.
1. Free Accident Insurance
- Death Benefit
- Permanent Total Disability..
- Education welfare fund for dependent children

2. Learn
- Moneylife Online Magazine
- Product Reviews
- Handbook, Your Money Life

3. Fixed Income Recommendations
- Which bank FD
- Which debt funds?
- Which liquid funds?
- Which other fixed income?

4. Tax Saving Tools
- Tax-proof Investing through Relatives
- Capital gains tax tool
- ELSS SIP Tool

5. Ask
- Ask any question on a confidential basis
- Portfolio Review

The following comes as part of optional packages
1. Equity Fund Recommendations Package
- Large-cap funds
- Mid-cap funds
- ELSS
We do not recommend foreign, sector, balanced & hybrid funds

2. Lion Stockletter Package (with SIP/Lumpsum tool)

3. Insurance Package
Health Insurance Recommendations & Tools
- Which Mediclaim with or without floater?
- Which Medicaim with Maternity Benefits?
- Which Critical Illness Plan
- Which Accident Insurance?
- Which top up/super top up?
- Health Insurance Selector Tool

Life Insurance Recommendations & Tools
- Term Plan Recommendations
- Insurance Surrender Tool
Please note you cannot add / delete a package once subscribed

What You Don't Get
- Advice on real estate & alternative investments art, wine etc.
- Advanced income tax advice and consultation.
- Drafting of legal documents like will, HUF, gift deed, etc.

If I don't become an MAS member what do I miss?
You miss the freedom from financial worries and deprive yourself the benefit of accumulating wealth in a systematic manner, bearing lesser risk. You miss the best research on insurance. You miss continuous online support, a great solution for the average saver, given how rampant mis-selling and wrong information, is.

Who can join MAS?
People from all age groups can join MAS. You may be single or married, with or without children or approaching retirement. If you are in need of protection through insurance, or in need of savings to be deployed methodically, MAS would be useful for you.

I am an NRI. Can I join?
Yes, you can. Indeed, this service would be of great benefit to you, if you wish to buy Indian financial products.

Can I also ask queries relating to tax?
No. Tax queries are not part of the investment advisory service

Why MAS when there are already many different ways of getting financial information?
It is true that stockbrokers, distributors, financial planners, insurance agents, relationship managers, online aggregators and purchase portals, dozens of print publications and 6-7 TV channels provide a lot of practical information and tips. However, because of lack of time, technical nature of financial products and actions of financial companies and their agents, consumers cannot absorb the overwhelming flood of information it all by themselves. Hence, the need for a service like MAS.

What is the problem with financial companies and their intermediaries?
Despite the information, help and support you get from financial companies and market intermediaries before buying a product:
1. You are only a sales target:Both the company and the intermediary (especially relationship managers) are focused on selling a specific product. They are not interested in telling you what else is better for you. None of them take a 360 degree view of your actual needs.
2. No continuous support: There is often no effective support, help and handholding after you have bought product.
3. Wrong advice: Intermediaries earn through commissions they get from selling products to you. Their advice may favour the products that get them higher commission, even if it is harmful for you.
4. Untested advice: Since the advice is only meant to drive you into buying the products offered, it is neither based on any research of the other products in the market, nor based on any research of your requirements.
5. Harmful Products: Many a times, you will land up buying products that are of no use to you, but have been sold to you in such a way that they seem to pay you benefits. And that is what the entire sales force is there for-just selling, without thinking about your benefits.

Remember: Mistakes in buying financial services are not as harmless as making mistakes in choosing shampoo or soap. Financial mistakes can make you lose a large chunk of your life's savings. You also lose time which you would have otherwise spent in earning additional income.

What are the current problems faced by savers and how will MAS solve these?
Please take a look at the comparison below. Savers today are facing a plethora of problems caused by financial services' companies and their distributors. This frightening scenario has driven them to keep their money safely with banks even though bank interest does not beat inflation.

Answer: Moneylife Advisory Services

Is there a larger purpose behind this?
Yes. We want MAS working with our non-profit organisation Moneylife Foundation to grow and become a large group that has a voice, which can be heard at the highest levels of policy making so that financial products help rather than exploit savers and investors.

How is MAS different from brokers, financial distributors, financial planners and agents?
Our revenue is not tied to your transactions, because we don't sell you any financial product. Our approach is help you Create Wealth, Protect Your Family, Avoid Losses, Save Money so that you Enjoy Time with you family instead of spoiling your weekends learning about financial products. This is why an integral part of our operations is the Moneylife Foundation, which has been set up to be the voice of savers and consumers.

What category of companies does MAS belong to?
MAS does not fit into any category. It is born out of our ground-level understanding of savers' issues, which we get by writing about products, interacting with tens thousands of people through Moneylife Foundation and researching products only with your interest in mind. We are of course registered with Securities Board of Indis as investment advisors.

How do we know you are ethical? Even financial distributors put out financial literacy advertisements in India's largest national daily!
The problem is that even when they put out such advertisements, their mis-selling continues unabated whereas we have a long track record of ethical work.

Track Record: Moneylife's ethical, pro-consumer and pro-investor philosophy has characterized its approach from day one. We wrote against Unit-linked Insurance Plans in March 2006, the second issue of the magazine, when other publications were doing cover stories on Best Ulips to Buy. Ulips were of course being advertised heavily! If you are new to Moneylife, please explore the content at www.moneylife.in. You won't find anything biased in favour of financial products that compromise on your interests. You will find loads of pro-investor and pro-consumer information.

No commission: Most importantly, as a proof of our approach, we don't sell you any financial products at all and so do not live on commissions. Our income comes from the fee we charge you.

Non-profit Initiative: Finally, although we are a tiny organization, we are the first media company to promote a non-profit trust to launched financial literacy and consumer and investor advocacy. Moneylife Foundation has emerged as the largest investor organization since February 2010.

We don't know of any financial group, which has all the above features and living up to them consistently.

What is MAS's revenue model?
We earn fixed fee as annual subscription from you. That is currently the only source of our revenue.

What about commissions from the products you research and select?
You can buy all the products directly from the companies and pay no commissions. We engage directly with financial companies whose products we research, and stand by our users, so that you don't have to suffer due to lack of service, which is otherwise, a common problem.

Why have you launched a commission-free service?
Driven by their targets, financial companies are more interested in sales and market intermediaries (banks, brokers, advisors) are more interested in commissions. Mis-selling is natural consequence. This is why we have taken commission out of our business model completely.

Will MAS act as a distributor and put through my transactions?
No

Will I then have to pay commissions separately?
Today if you choose carefully, there is no commission to be paid for any product. You can buy online term plans, choose direct option for mutual funds and open accounts with stockbrokers who don't charge commissions for delivery transactions.

Why can't MAS itself sell financial products?
We will never put ourselves in a position where our judgement about product selection is clouded by the commission offered to sell it.

Will the handholding be available if I buy products not recommended by MAS?
No. If you choose to invest in a product not shortlisted by MAS, you do so at your own risk.

Who can join MAS Online Financial Advisory Services?
People from all age groups can join MAS. You may be single or married, with or without children or approaching retirement. If you are in need of protection through insurance, or in need of savings to be deployed methodically, MAS would be useful for you.

I want to renew my MAS Online financial Advisory Services subscription is there any way I can subscribe for my entire family of four members? It is not clear.
The service is for a single person since everyone has a different risk profile and different financial profile, which we have to take into account for any investment advice we provide. This is as per SEBI rules.

I am a full time share trader. I would like to know about equity advisory services offered. I am interested in 2-3 days positional trading in Nifty 50 stocks.
We do not advice on short-term trading.

I am an NRI. Can I join?
Yes, you can. Indeed, this service would be of great benefit to you, if you wish to buy Indian financial products.

My status has changed to NRI recently & I'm interested in investing in Mutual Funds, Can you please help me choosing appropriate advisory services?
You can choose the optional Package of Mutual funds, if you need our help to meet specific goals ,you can choose the investool also.

Do your NRI recommendations differ from that you give to resident Indians?
The investment products will be the same kind since there is no separate products for NRIs. We only need to take care of the post-tax returns and stocks that NRIs cannot buy.

After talking about MAS online Financial advisory Services with the spouse, I found that he too is interested and would like a membership. Does he have to take an independent subscription? His financial profile however, is different from mine.
The MAS Online Financial Advisory Services is meant for individual use and as such your spouse will have to independently subscribe towards the same because everyone’s risk profile and financial profile are different which we have to take in to account for any investment related advice we provide. This is as per SEBI rules.

I handle my wife’s and mother’s portfolio for tax purposes and have invested money in their portfolio. Will you advise for this portfolio as well? I do not want to subscribe for three people, as the FAQ clearly says that Advisory is for one portfolio.
Yes, we will review on your portfolio provided you present it as a single portfolio and not ask separate questions specific to your wife and mother. It will be our opinion on your investments and not investment advice as per SEBI’s definition.

I have significant experience in investing in stocks ranging from small caps to large caps. I want overall portfolio consultation as well as stock recommendation plans. Which premium plans out of your packages should I go for?
We can do a one-time analysis of your portfolio so that it is cleaned up. You can then invest in our recommended stocks, for which you can either choose stockletters or stocks option of Online financial Advisory Services.

I am confused on which package I should go for. Whether I should go with stocks or equity funds package and what would I get in the tools or whether I need them.
If you have invested in stocks for at least 5 years and have the experience of gains and losses, go for stocks. Otherwise go for mutual funds. If you need to invest for specific goals like children’s education or health corpus use or lumpsum investment, go for the Investools after choosing stocks / funds.

I want to invest lump sum amount in stock market for time frame 5-7 years. Does MAS provide stock recommendations with buy and sale call of stocks. Also I am able to save from salary and want to invest in stock. Can you guide me on this issue?
Yes, we do. You should buy the MAS Online Financial Advisory Services. Choose the stocks option from https://advisor.moneylife.in/pricing
This will give you access to our Lion stock letter. If you need to invest for specific goals like children’s education or health corpus use or lumpsum investment, go for the Investools after choosing stocks / funds.

I am currently subscribed to your MAS Online Financial Advisory Services which gives access to Lion stock letter. I wish to renew the same and add Panther stock letter to it. Which package will help me with this?
Panther or Antelope is not part of MAS Online Financial Advisory Services. You will need to subscribe to these separately from here https://sl.moneylife.in/#faq

Will I get all the stockletters as part of MAS Online financial Advisory Service?
You only get the Lion stockletter, if you have subscribed to the optional package of ‘Stocks’ or ‘Restructuring’. You will need to subscribe for the other stockletters separately from here https://sl.moneylife.in/#faq

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.

I already have all three stock letters and want to know if I can access MAS Online Financial Advisory Services.
The stockletters and the MAS Online Financial Advisory Services are different.

Do you recommend mutual funds?
Yes, this feature is available to subscribers who have subscribed to the optional package of ‘Equity Funds’.

I only want advice regarding debt mutual funds and tax benefits thereof. Which optional package should I choose?
Recommendations on debt funds are a part of the common package, as is clearly mentioned in the pricing page. However, you will have to additionally choose either stocks, equity mutual funds or insurance as an optional package to complete your subscription. We do not sell the common package separately.

What will I get in a portfolio review? I have mutual funds (MFs). Will you tell me which MFs to check and where to invest the proceeds?
Yes, if you have taken the mutual funds package.

Will you make a mutual fund and a stock portfolio for me based on my risk profile?
Yes we recommend, you choose either Mutual Funds or stocks.

Will you provide rebalancing updates in both stocks and mutual funds portfolio?
Yes as long as you are a subscriber.

After I subscribe for the insurance or mutual funds or stocks optional package, how will I be advised on these products?
Once you subscribe to the Online Financial Advisory Services, 1. You will have access to our recommendations on insurance or mutual funds or Lion stocks as per the optional package that you have chosen 2. You can post any query related to the optional package that you have chosen by using the ASK section https://advisor.moneylife.in/handholding.html#query

I have invested in equity, hybrid, balanced and debt mutual funds. I have a stock portfolio of around 40 stocks. Can you help me restructure portfolio?
Yes, if you take both stocks and mutual fund package.

Can I also ask queries relating to tax?
No. Tax queries are not part of the investment advisory service

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.

I understand that you also help understanding why mediclaim can get rejected. Recently I filed for the claim for the reimbursement of my 3 years old kid's hospitalization. However I'm getting very odd queries from star health. So where can I forward this kind of query with you. Or do I have to unsubscribe and re-subscribe to something else.
Please note that handling insurance claim was never part of our service. It is your insurance agent who handles your claims, because he is the person who gets 15% to 25% of commission for it. Thus it his responsibility to help you with your claims.

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
This classification is decided on the basis of what is mentioned in the scheme offer document. If the offer document is not clear, we analyse the actual stocks in the portfolio. We avoid the following types of schemes since they are not required for long-term wealth creation: sector schemes, all ETFs, foreign funds, balanced funds

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/#faq

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

How can I use the stockletters?
You can use Moneylife stockletters in two ways:

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 is the InvesTool supposed to help?
InvesTool solves the three main questions investors have:
1. What to invest in?
2. How much to invest in every month?
3. When to invest?
The investment figure in equity mutual fund changes as per the market levels, suggesting you invest more when the market is down and not at all when the market is expensive. The timing reduces risk and increases returns.

Is it tedious to work with the InvesTool? Is it a lot of work?
InvesTool option is very simple to use. It has just a few screens that asks you to input your personal information, data of your income and expenses then tells you how much to invest in what.

What do I get in InvesTool what I won't get anywhere?
You will not get asset allocation and market-timing at one place, which InvesTool offers.

Will InvesTool be useful for both individuals and couples?
Yes. The planner is designed to offer investment options for household savings.

Are InvesTool selections customised for me?
Yes. The InvesTool takes into account your age and whether you have dependents.
Please read the FAQ on InvesTool for more details.

On your website, I see a menu named “Wealth Builder”. Can you share more details on what this is?
Wealthbuilder is a tool, which helps you invest with the horizon of 5 years or more, without any specific goals.

How to use the new Investool?

The new tool has the data range till 2029 , I doesn't go further ,I am 30 years old , my long term goals like child education, child's marriage falls in the year 2037...2049 . So the tool doesn't facilitate the long term goals for me.
Yes. The tool has a date range of 10 years. The new investools also has a commenting section for each of the plans. This allows a user to be in touch with us anytime for a support for the goals. Unlike the previous tool, we can offer a continuous interaction and support throughout these 10 years. At the expiry of 10 years, you can set up another plan of 10 years based on the amount actually saved up to that date and get a fresh view of how much to save further. Based on your feedback, we will work on extending in the date range.

Should Investing for very long term goals like my child's marriage (year 2049) should use arbitrage funds? Same is with my child's education (year 2043 graduation , year 2046 post graduation).
Temporarily, yes, until the market comes down to a reasonable level.

Lets say I want to invest Rs 1 lakh in Panther and Antelope stocks. How shall I know allocation amount of each stock ? I have a subscription to all the three stockletters. Lumpsum tool only shows LION stock.
Panther and Antelope are not a part of Investool. From the very beginning, only Lion was and is part of the investool. For allocation of Rs1 lakh you may use the following link https://advisor.moneylife.in/panther-sip.html and https://advisor.moneylife.in/antelope-sip.html. Please read the instructions carefully.

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:

• Free accident insurance
• Fixed income recommendations
• Save Tax: Tax saving tools
• ELSS Sip tool
• Short-term investool

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 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.
316-317, 3rd Floor, Hind Service Industries Premises,
Off. Veer Savarkar Marg, Near Shivaji Park Seaface,
Dadar (W), Mumbai 400028

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.