IB-EMI-9-1-2017-16_Smart things to know about Bajaj Finserv EMI Card

Smart things to know about Bajaj Finserv EMI Card

Ajay Verma (31), a rising HR professional, married with one child and resident of Mumbai, was a doting brother to Varsha (27). Varsha had just landed a job with an MNC in Gurgaon. Miles apart, though they met less, they connected often. Varsha confided in Ajay the hardship she was experiencing in setting up her one room apartment in the Millennium City. That’s when Ajay recommended that she get the Bajaj Finserv EMI card.

A pre-approved loan in her wallet, Ajay explained that the EMI Card would give Varsha access to EMI finance for all her needs. With zero or minimal down payment, no hidden charges and no credit-card like interest, the EMI Card would help her buy everything she needed for her new apartment in one shot, which could be paid back in easy instalments at an agreed upon tenure. This would make immediate cash payments a thing of the past and eliminate the strain on her monthly budget too. Following her brother’s advice, and eager to see how the EMI Card would come to her rescue, Varsha applied for the EMI Card. While the process was underway, Varsha was acutely impressed by the fast growing EMI network that she would soon be part of.

She saw that she would not only have access to the furniture she needed, but could also pay for her daily groceries with her EMI Card. From shopping for clothes and accessories to buying digital must-haves like a laptop, she could also access travel packages. The EMI card would also offer her promotions and offers from time to time, and enabled online tracking of every transaction through the card’s customer portal. What more could have Varsha asked for?


Varsha paid a minimal processing fee, and within 2 weeks, had the card in her wallet. She saw that the EMI network has even spread its wings to life care finance. Instead of paying out of pocket, she could now treat herself with beauty, wellness or health care facilities with simple EMI finance up to Rs 4.5 lakhs. Varsha found that eye care, IVF and maternity care, bariatric surgery, laparoscopy, dental care, stem cell and hair restoration were all part of the life care services valid under EMI finance.

With the card’s pre-approved loan of up to Rs. 5 lakh for consumer durables and Rs 3 lakhs for lifestyle finance, Varsha began her shopping spree without feeling the burden of spending all at once. She realised that the Bajaj Finserv EMI card was a smart way to shop for home appliances and electronic gadgets. Soon, her home had a new LED TV, a microwave oven, a water purifier and a washing machine, taking care of her entertainment and health and chores. Using the powers of digital finance, Varsha took the first step in setting up her home. Next, Varsha bought a new modular kitchen, a comfortable bed and a few other pieces of furniture with her EMI Card. Her last step was to indulge in some digital purchases, as she needed a new smartphone and a laptop for work. The EMI Card gave Varsha access to Rs 1 lakh for these purchases and Varsha again heaved a huge sigh of relief once she had her digital companions in her possession.

Soon Varsha was all done with equipping her house to suit her needs and aesthetics. On cloud nine, she thought about the nominal, one-time charge of Rs. 399 that she had paid for her EMI Card, and how that registered her for a lifetime of pre-approved interest free finance. She joined the MNC and found herself very happy with both her job and her new residence.

Time flew, and the new city had grown on Varsha. She was planning a small house warming party that Ajay promised to attend. What made her super excited was the idea of shopping for a new dress, matching accessories and sleek footwear. That’s when she was reminded of the card’s clothes finance feature. With no down payment or processing fee, Varsha could shop from her favourite brands with a minimum spend of Rs 5000 by simply swiping the EMI card. From ethnic wear to eyewear, menswear to western formals, shopping now became totally hassle-free for her.

Finally the day of the party arrived and when Ajay saw his sister at the airport, he couldn’t miss the confidence, exuberance and contentment on her face. Once he saw her home, Ajay couldn’t help being immensely proud of his little sister who had used her smarts and her taste to furnish her apartment with ease. He reminded Varsha to pay off her dues in easy monthly instalments online and Varsha in turn gave Ajay a big hug for suggesting this smart method of digital finance.

Be it independent women like Varsha who are striving to achieve a better lifestyle or a settled family man like Ajay, Bajaj Finserv EMI card is all that is needed to access all kinds of products. With over 1 million products spread across more than 300 cities in India, Bajaj Finserv’s EMI Network is second to none. To get your own Bajaj Finserv EMI Card,
click here:

IB-EMI-9-1-2017-15_Find out more about the EMI on your EMI card

Find out more about the EMI on your Bajaj Finserv EMI Card

When their daughter Nidhi first decided to follow her passion and become a freelance photographer, her parents were really worried. They had no doubt in her ability or skill. What worried them was the recurring expense that she would incur on a regular basis owing to the fact that she would need new and updated equipment on the go. And how would she be able to support herself with an assignment-based job that may not give her a stable income?

That is when Nidhi introduced her parents to the Bajaj Finserv EMI Card. She explained that EMI or Equated Monthly Instalments provided her a way through which she could buy all she needed instantly and pay for her purchases later in easy EMIs, in a tenure of her choosing. Whether it was her camera equipment or clothes, a high-end laptop or a smartphone, an AC or a washing machine, life care needs such as dentistry or eye care as well as domestic and international travel, Nidhi could use the EMI Card for everything. But Nidhi’s parents were still worried; after all, EMIs usually incurred interest charges and what about high down payments?

Nidhi did some more research and found that the Bajaj Finserv EMI Card charged no interest and usually did not require down payments, except in a few cases such as with purchasing a gym membership or paying for a travel plan. The EMI tenures usually varied from 3 to 12 months, depending on the retailer from whom Nidhi made her purchase. The idea of Nidhi paying no extra interest in contrast to a credit card made per parents feel more comfortable with the EMI Card. Their next question was how limited the EMI Card was when it came to where she could purchase from. Since Nidhi would be travelling all over India for her photography, they were not only concerned about how she would be able to access the retailers with a tie-up to the EMI Card, but also how she could pay her EMIs while being on the move.

Nidhi assured them that the Bajaj Finserv EMI Network was one of the largest in the country with over 30,000 retailers offering over 1 million products across more than 300 cities in India. And the best part was that she could shop online at some of the most well known e-tailers and pay her EMIs online via the Bajaj Finserv EMI portal. She could also link her account and make auto debit payments towards her purchases.

Anticipating her parent’s next question, Nidhi told them about the easy application and instant approval of the EMI Card. The exact loan amount that Nidhi would be given would be decided based on Bajaj Finserv’s credit policies and would go from Rs 30,000 up to Rs 3 lakh. Nidhi would spend a minimal amount of Rs 399 to get the EMI Card and a renewal fee of Rs 99, which was due only if she didn’t end up using her EMI Card for 1 year. To get the card, Nidhi could walk into any partner retail store, buy a product and submit a few documents such as an ECS (Electronic Clearing Service, which directly debits yours funds to your account), a cancelled cheque, KYC documents and a passport size photograph.

Once she applied, the Bajaj Finserv EMI Card would be with her in 2 weeks and she would not need to submit any more documents once she had the card in her possession. Even online transactions would not incur any processing fees or charges. From then on, her EMI Card could be swiped like a debit card at any retailer—offline or online.

Though they were very satisfied with the information on the EMI Card so far, her parent’s last question was also very valid: What were the charges if Nidhi could pay for her purchases earlier than the agreed-upon tenure. Nidhi logged on to the Bajaj Finserv EMI Card page and found that she had the option of foreclosing her loan at any time with paying any extra charges.

Now that all their worries about the EMI dues and payments were put to rest, not only did Nidhi’s parents encourage her to sign for the card, but also applied for one when they bought new furniture for their house! Soon, Nidhi moved from Ranchi, leaving her parents’ home, to Mumbai to pursue her photography and spread her wings. Not only was she able to buy new equipment for her chosen career and furnish her home with the EMI Card, but

as a member of the EMI Network, she was also privy to exclusive pre-approved offers across the partner retailers of Bajaj Finserv. Her online account helped her keep up with all her purchases over time and the amount due so that she was always informed.

Today, Nidhi is on her way to becoming a successful photographer, and her parents are rest assured about her finances. Like Nidhi, you too can start using the EMI Card to buy everything you need in a cashless manner, and take advance of not paying a penny more on the price of any product while being able to pay in easy EMIs over time.

To know more about the Bajaj Finserv EMI Card click here:

To apply for a Bajaj Finserv EMI Card click here:

IB-EMI-9-1-2017-13_All you need to know about business loans

All you need to know about business loans

A business loan is a loan without security that gives your enterprise access to credit, which can be paid back over an agreed period of time along with interest. Small or new enterprises that are just getting starting on their journey and still finding their feet typically find it difficult to get a business loan as they may not have strong financials. Every new business is looked at with a magnifying glass by banks and financial institutions, as they believe new businesses have a higher chance of failing. However, there are many lenders like Bajaj Finserv who strive to make this process simpler and more straightforward. Here is how you too can get one to expand your business.

When does your business need a small business loan?

A small business is always looking for additional cash, whether it is to fund growth by entering new markets, get a bigger space for employees or manufacturing, get a better deal on raw materials by getting the cash advance discount, or for increasing the SKUs in their inventory. The right amount of funds at the right time also helps better the cash flow and a cash-strong business can provide longer credit to buyers, which can help in funnelling growth and expansion. Whatever your reasons for needing a business loan, getting one can certainly help you in advancing your business.

How to apply for a business loan?

These days, applying for a business loan is easy and can be done online without waiting in long or complicated queues. If you choose Bajaj Finserv as your lender for the business loan, simply log on to www.bajajfinserv.in, select the ‘Business Loans’ tab under ‘Our Products’ and select the ‘Apply Now’ button. This will guide you to an online application form. Fill it out, and you’re done. Once the lender checks your application form and the needed documents, you will get approval soon—sometimes even within minutes!

Documents required for a business loan

  • Application form: This is available online, and is easy to fill and submit.
  • Photograph of the applicant and co-applicant (if any)
  • Details of Income: This includes the following –
    • Income Tax returns for the last 2 financial years
    • Business Balance Sheet for the last 2 years with annexure
    • Business Profit & Loss account for the last 2 years with annexure
    • Form 16A for the last 2 years
  • Business bank account statement for the last 3 months
  • KYC [Know Your Customer] documents of the applicant and the co-applicant (if any). KYC may include scan copies of ID proof, address proof and PAN card.
  • Details of business vintage for 5 years
  • In case of a practicing professional, a certificate of practice is also required.

Small business loan repayment options

As a borrower, you can sometimes choose your repayment options based on your convenience. At Bajaj Finserv, the loan amount for a business loan goes up to Rs 30 lakh, and the repayment options are based on the requirements of the business with repayment tenures running from 12 months to 48 months.

Advantages of getting a business loan from Bajaj Finserv

The unique advantages Bajaj Finserv provides with their business loans are:


  1. Flexi Loans that give you all the convenience you need

Bajaj Finserv offers a Flexi Loan option where you have the option of repaying and withdrawing money from your loan account as per your business needs. Further, interest is only charged on the portion of the loan that is withdrawn rather than on the whole amount to save you from paying more interest needlessly. With easy online access, you can get the funds transferred into the business account without any complicated procedures or delay. When it comes to prepayment or part payment of your loan, you can do this easily with flexi loans as well without worrying about fees or charges being added to your account.

  1. No collateral to make the application process stress-free

Collateral is the way by which the lender secures his loan (mostly by way of property or assets), and most lenders seize the collateral when the borrower defaults on the repayment. Bajaj Finserv doesn’t require you to furnish any collateral, giving your small business a chance to grow and succeed.

  1. No guarantees required to give your business a chance to grow

A guarantor is a person who becomes liable in case the debt obligation is not met by the borrower. At Bajaj Finserv, a business loan can easily be taken without furnishing any guarantee.

With the highest unsecured loan amount by any loan provider in India in this segment, Bajaj Finserv’s business loan may well be the opportunity your business needs to grow and flourish. Click here to find out more:

IB-EMI-9-1-2017-12_How to apply for business loan

How to get a business loan

With easy loans for limited or public


Small and medium size businesses when challenged with an unexpected financial obstacle, may not be completely prepared to provide a bank or financial institution with the additional security or collateral, in order to acquire a business loan. In such cases, a small business loan from Bajaj Finserv with no security and easy repayment options is possibly the best option forward. Following a simple procedure online, you can apply for a small business loan that will go a long way to re-energise your business. Let’s take a closer look at the process.


The small business loans are devised for the following types of entities

  • Limited Companies
  • Private Limited Companies
  • Partnership firms
  • Proprietorship firms
  • Chartered Accountants
  • Self Employed Professionals
  • Self Employed Non-Professionals
  • Other entities based on profile


Documentation requirement


You can Apply for small business loan or for a loan for business start up with the following documents

  • Application form: Available online. Easy to fill and submit
  • Photograph of the applicant and co-applicant (if any)
  • Details of Income: Include the following –
    • Income Tax returns for the last 2 financial years
    • Business Balance Sheet for the last 2 years with annexure
    • Business Profit & Loss account for the last 2 years with annexure
    • Form 16A for the last 2 years
  • Business bank account statement for the last 3 months
  • KYC [Know Your Customer] documents of the applicant and the co-applicant (if any). KYC includes scan copies of ID proof, address proof and PAN card
  • Details of business vintage of 5 years
  • In case of a practicing professional, a certificate of practice

All you need to do to apply for business loans is the following:

  1. Log onto our website at bajajfinserv.in
  2. Select the ‘business loans’ tab under ‘Our Products’
  3. Click on the ‘Apply Now’ button highlighted in blue
  4. This will lead you to the online application form

Fill the online application and hit ‘Submit’ and let us guide you through the easy process and help you avail our collateral and guarantor free business loans.  

At Bajaj Finserv we understand the difference immediate access to additional cash can make to a small business. With this in mind our small business loan application requirements are small yet precise enabling the business owner to concentrate on the business while we provide quick cash at competitive interest rated with flexi-options that enable the business to prepay the loan amount without any additional charges. With our EMI’s ranging from 12 months to 48 months, we provide you time to comfortably repay the loan in easy EMI payments.   

IB-EMI-9-1-2017-11_How to meet your goals with mutual funds

How to meet your goals with mutual funds?

Mutual funds are linked to financial markets, and allow the investor to invest across asset classes from equity and debt to gold. With various investment options that range from high risk and insecure to low risk and secure alongside short term and long term investment options, finding the right mutual fund to meet financial planning goals is easy and can be very rewarding too. Here’s what an investor needs to know to achieve his/her financial goals through a mutual fund investment.  


Understand the investment potential

When you, as an investor, step into financial planning whether for the short or long term, you need to understand your current financial position. This includes your current income, monthly expenses, current investment liabilities, loans and EMI payments as well as savings and investments. This will help you understand the money you have to invest in mutual funds as well as your time horizon to fulfil your personal financial goals.


Risk appetite

When you have a clear understanding of your investment potential, it will also become clear how much risk you are willing to undertake. Your investment potential is determined by the income level, age, liquidity and the time you have available to meet your financial goals. Based on this, you can determine the asset class that is best suited for your mutual fund investment needs. The age of 30 or below is ideal for a high-risk appetite as time and potential earnings help investors absorb losses. In contrast, when the investor gets closer to retirement age, he or she will want to invest in mutual fund with low risk and yet maximise the returns.           


Asset allocation

Investment in mutual funds can be personalised as per your financial goals. Asset allocation lets investors like you appropriate the investable surplus across different asset classes depending on long term and short term goals. The rule of thumb is that higher risk leads to greater potential reward. Invest in mutual funds based on equity, which can be more volatile in the short term, when looking at a long-term investment window. A 3-year or longer window will help the high-risk equity mutual fund recover from any market volatility. For short-term investment of less than 3 years, invest in mutual funds that are debt backed as the returns are secured, although the return may be lower than equity backed mutual funds.


With myriad options and a solution for most investment requirements, investors can use mutual funds to meet financial planning goals with ease. Investing in different asset classes can further reduce your risk. Ideally, investing in three or more diversified funds will provide your investment the required spread to meet your financial goals through mutual fund investment. Whereas you can invest in mutual funds via a variety of banks and non-banking financial institutions, try Bajaj Finserv. With the right advice based on your specific requirements, Bajaj Finserv’s mutual funds also come with high security standings that ensure the safety of your investment in the long run. To find out more, click here:

Market Crash! Should you invest in Mutual Funds or Fixed Deposits?

While many investors get excited when the market crashes, looking to close a better deal on mutual funds that have become cheaper, there is need to be careful when it comes to deciding on the next step.


Let’s understand what happens when the market crashes


Mutual Funds: When the market crashes, the prices of equity stocks fall. With this fall, the NAV [Net Asset Value] of mutual funds also fall. Depending on which sectors are most hit in the market crash, the mutual funds invested in those sectors will see a higher decline in their NAV.


Fixed Deposits: There is no change in the interest or tenure of the fixed deposit investment as those are locked with the bank and have no association with the fluctuating equity markets.


As a new investor what you need to know before making an investment decision after a market crash:


Mutual Funds: The best way to understand how well a mutual fund is performing is to analyse its past record and compare the same with its peers. Once the analysis is complete, check to see whether the expense ratio is low and ensure there are no exit loads. Keep in mind that mutual funds that lose the most value are not destined to be the greatest rebounders as the market recovers. Also study the mutual funds that may not have taken the most beating in a market crash, as these mutual funds may be able to absorb future market shocks with ease while growing well in between market crashes.


If you have already invested in mutual funds and are looking to increase your exposure in the market by investing more in the same mutual funds, you need to consider the past NAV of the selected mutual fund. Is the present average NAV lower than the 3-year average? If the present NAV is lower than the 3-year average it could be argued that the fund is undervalued. Next, it is prudent to check whether the fall in NAV is only because of the market crash or whether the mutual fund has been consistently falling. In case of a consistently falling NAV, the investment may not be the best bet. While all these are merely security measures, there is no sure shot way to ensure that the NAV of the chosen mutual fund will increase after a market crash.


The best bet against such market inconsistencies, while securing a safe return with low risks for your investments would be an SIP (Systematic Investment Plan). Choosing an SIP gives you the advantage of investing a small amount on a weekly or monthly basis. This allows you to buy more units as the NAV of the mutual fund decreases. This will yield higher returns when the NAV increases. When the NAV is at a high, the investor will be able to purchase fewer units, but in the long run the returns will compensate for the purchase loss.


Fixed Deposit: Investing in a fixed deposit is a safe option even after a market crash as there is no change in the returns offered, and at the same time the investment is secure. This is mainly because of the fact that fixed deposits and their interest rates are not affected by the day-to-day volatility of the market, its stocks and shares. However, the investor may miss the opportunity to make a higher return by being part of the erratic market.


To conclude, for a low risk investor fixed deposits may be the right investment after a market crash, and for an investor with a greater risk appetite, mutual funds may yield higher returns after a market crash. With many investment options spanning fixed deposit and mutual fund investments at competitive interest rates and easy documentation and set-up processes, Bajaj Finserv may be an option worth looking at. To know more about these click here:

When it comes to mutual funds, here’s why SIPs are so popular

When it comes to planning a secure future for yourself and your family, you not only have to think wisely, but also be smart. Taking advantage of the right investment opportunity at the right time is difficult, but with SIPs, investors who are just starting to get the ball rolling can get good returns with minimal strain on monthly expenditure. Like Aarav and Suman Dubey, a couple residing in Mumbai, you too can invest wisely and smartly in SIPs and watch your hard-earned money earn exciting returns.

Aarav (32) and Suman (28) Dubey, married for two years, have decided to go the family way. Expecting good news soon, the couple are keeping their fingers crossed. However, a lurking anxiety is troubling their minds. New responsibilities and a lifetime of commitments would lead to added expenses. So, it is imperative that they make careful and wise financial investments for a secure future.  Aarav and Suman did exactly that. They chose to invest in a systematic investment plan, i.e., a SIP investment in mutual funds.

What are SIP investments?

Aarav found that investors like them had the convenient option to invest in mutual funds through small amounts periodically, be it weekly, monthly or quarterly, based on their convenience. Rather than a heavy one-time investment, Aarav believed that an auto debit every month from his account made more financial sense. Since their investment depended on their risk appetite, which was moderate, he thought that a SIP investment would help them achieve their future financial goals with relative ease.

When Suman expressed doubts about this investment option, Aarav explained that mutual funds are investment programmes funded by shareholders with similar interests and objectives as investors. The funds are strictly regulated and registered with SEBI, and would help them strike a balance between capital growth and tax savings.

Aarav found that Bajaj Finserv offered the best mutual funds interest rates and that these funds were professionally managed by adept market specialists, ensuring better returns and lower risk. As investors, Aarav and Suman would be able to diversify their portfolio with SIPs. One of the most important reasons why they also chose to invest in mutual funds was transparency. Aarav and Suman would be able to keep a track of their investment with easy online access where valuable information on the current value of their investment would be visible. Easy access to the detailed portfolio disclosure of their investments would also help the couple understand the investment and reap the benefits.

Advantages of SIP

Years into their SIP investment, Aarav and Suman were basking in its advantages. Not only were they reaping benefits, but also recommending SIP investment in mutual funds to friends and family. Here’s what Aarav and Suman had to say:

  • SIP is a smart investment option, which gave them a disciplined approach to investment with the flexibility to invest small amounts periodically.
  • SIP is an investment across market phases over a long term. Hence, there is a minimal risk of market timing, which is otherwise a major concern for novice investors.
  • There is ample scope for investment, irrespective of whether the market is up or down. SIPs help in steadying the mutual fund investment where more securities can be bought in market lows and vice versa. This helped the couple average out the cost of investment, over long term with superior returns and fewer shocks.
  • Aarav and Suman felt no opportunity loss arising from lack of funds. Instead, the money kept flowing into the market periodically.
  • The rupee cost averaging in SIPs helped lower the average per unit cost. This helped reducing the unpredictability and risks.
  • Finally, the couple also experience the power of power of compounding, where their small periodic investments created a big corpus over time.


Like Aarav and Suman, you too can experience the benfits of SIP investments with Bajaj Finserv mutual funds. To know more,

click here:

5 Questions to ask before choosing a mutual fund

Mutual funds can not only give you exciting returns, but also help you save on taxes. However before you invest in them, be sure to do your research. This will help you be better informed and invest more wisely. Factors such as your risk appetite, the type of mutual funds you choose to invest in, the investment lock-in period or minimum investment period, returns over successive years, etc., are just some examples. Here are the questions you should ask before you choose a mutual fund.

  1. What is your aim?

The first question to ask yourself is what is your aim of investing in a mutual fund? Are you investing to maximize profit and make money? Are you investing to save the amount you already have and save on taxes? Or are you looking at having a steady source of income? Once you answer these questions, you know your primary goal, which helps you in selecting the type of mutual funds you can investment in, be it a high-risk long-term investment or a short-term low risk investment or any combination thereof. Knowing your risk appetite and the time period for which you can invest also helps in choosing your mutual funds.

  1. Have the returns been uniform throughout?

Once you have made the decision as to what type of funds you are investing in, you need to dig deep into the mutual fund portfolio. Find out past turnover profit and loss and see if the mutual fund has been profitable year after year or has there been a huge profit one year and a major loss the next. Just looking at the current or previous year’s record is not sufficient. See the mutual funds’ performance spread out over the last 10 years. The uniformity of the invested returns is a good way for you to judge where you want to invest your money in that particular mutual fund. By digging deeper into the portfolio, you will also know what type of securities you are investing in.

  1. What is your expenditure in proportion to the returns?

The next question you need to ask is how have the profit graphs been over the years. It is not necessary that the more you invest, the more you make. You could invest a large amount and get less profit as compared to investing a small amount and getting a big profit. To understand how this works you need to study graphs of the mutual funds you wish to invest in and find their standing. The aim should be to invest the least amount and get maximum profit. Another thing to do here is to understand the expense ratio. This is the amount you spend towards the management of your mutual fund, which is deducted from your investment. A lower expense ratio is usually a better bet when it comes to mutual funds.

  1. Is your money in the right hands?

While you will also look at which securities your money will be invested in, what is most important is knowing how much you can trust the fund managers. Study the record of your fund managers and their portfolios in the past. Tracking their performance over just one or two years won’t help in this case, since there may or may not be any uniformity in the investment returns in such a short period of time. Portfolio managers with at least 15 years of experience are the best ones to trust and if you see profitability in their record, then those are the right people for you. These managers would know about the securities your mutual fund is investing in very well and thus would invest to maximise your returns. So choose a mutual fund based on who is on the driver’s seat and base your decision on their experience and track record.

  1. Are there any inside costs that you should know about?

After checking the mutual fund rates, you also need to check whether there are any hidden or inside charges, fees or expenses. Thus reading the mutual fund prospectus is essential as you might discover extra charges that you were not aware of earlier which you have to pay at different times once you invest.

These are the 5 main questions that will help you choosing the right mutual funds. Like many investors, you will need to give yourself some time even equipped with the answers to the questions above, and start with a small investment, which will help you learn as you go. The most important step is choosing your mutual fund investment with the right institution. One of your options is investing with Bajaj Finserv, which ensures that your investment is professionally managed, offers transparency, low transaction costs and some of the best interest rates. To know more click here:

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