Switching Advice for Unit Linked Policy Holders in last week of Dec 06

Dear Unit Linked Policy Holders,

The markets have gone up by over 35% during the year 2006 as far as Nifty goes and have gone up by over 25% for the whole equity universe. Your company has been able to perform beautifully and has beaten the indices by a wide margin while maintaining their performance as top rated in the entire industry.

At this juncture I would advice my Conservative customers to switch their funds to secured and liquid funds in the ratio of 50:50. Those who have some inclination towards remaining in equities to some extent may switch their funds to Defensive Fund for the time being.Those of the policy holder who are averse to switching every now and then may continue to keep funds in Balanced Fund.

My detailed stock market review is available on www.birdinfostock.blogspot.com and those interested may visit the same.I welcome interaction with people hence please feel free to write about any thing that you have in mind.

Thanks for giving me an opportunity to serve you, when the time comes I would be willing to share my views .It may however be understood that final decision is your own and I do not hold any responsibility in this regard . My advice is based on my own study and is no binding on you.

Please accept my heartiest new year greetings,

Hari Om

Krishna Kumar Khandelwal
Certified Financial Consultant: HDFC SLIC
Mobile: +919376168780
email: krsnakhandelwal@yahoo.com