DEAR SIR ,
WE ARE NOT INTERESTED TO DEPOSITE ANY AMOUNT OF MONEY TO THE BANK IN THE NAME OF INSURANCE OR IN THE NAME OF MUTUAL FUND .
BUT THE BANK STAFFS ARE URGE US TO PUT SOME MONEY IN THE DEPOSITE A/C. AFTER PUT IT, THE STAFF OF THE BANK ITSELF TAKE DECISSION AT THEIR OWN RISK , AND PUT OUR MONEY INTO A/C OF
MUTUAL FUND. AFTER THEY SAID TO PAY EVERY YEAR , UP TO THREE YEARS. IF IT WILL BE LAPSED INCOMPLETE, THEY ARE GIVING ONLY 60% WITH DEDUCTION OF 40%. SO I AGREE WTIH YOUNEVER ANY AMOUNT TO PUT INTO MUTUAL FUND AND OR IN THE INSURANCE . THIS SHOULD BE CORRECT IT ERASED IT IMMEDIATELY.THANKS AND REGARD
EM. RASSANA
From: shabeer ali <shebi_77@yahoo.com>
To: Keralites@yahoogroups.com
Sent: Saturday, 21 January 2012 1:28 AM
Subject: Re: [www.keralites.net] MUTUAL FUND-please help
Dear friends,
i am shabeer from ottapalam, and i `m working in stock market last 7 years, as one of the friend mentioned there is no guarantee for your fund which you are investing mutual funds. the mutual fund companies are allocating some units as per the NAV(net asset value). the value is increase or decrease not only by the stock market movement but also the movements of the shares which the mutual funds are bought under the scheme. all investments under MF are subject to market risk, the investor should know the market risk. and in my knowledge there is no need to invest mutual funds for a specific time format (ie, 3,5 years), its only in insurance.
From: haridasanck <haridasanck@yahoo.co.in>
Subject: Re: [www.keralites.net] MUTUAL FUND-please help
To: "Keralites@yahoogroups.com" <Keralites@yahoogroups.com>
Date: Saturday, 21 January, 2012, 12:21 PM From: Sabu m k <mk_sabu71@yahoo.com>
To: Keralites@yahoogroups.com
Sent: Thursday, 19 January 2012 12:58 PM
Subject: Re: [www.keralites.net] MUTUAL FUND-please help
Dear Mr.Rassana You arecompletelywrong and I thinkignorantabout mutual fund & ULIP investment markets. All equity based mutual funds are investing/trading in share market and is subject market risk. Probelm now market is down so the unit value is going down.
Also for Mutual funds IRDA have no role and need to go to SEBI if any complaint and in case of insurance companies can go to IRDA. Also there is no relation with the banks in this case.
But from the first mail, came to know that is ULIP and can very well know about the scheme if the policy document and prospects read.
rgds/sabu
--- On Wed, 1/18/12, mohammed rassana <mrassana@yahoo.co.in> wrote:From: mohammed rassana <mrassana@yahoo.co.in>
Subject: Re: [www.keralites.net] MUTUAL FUND-please help
To: "Keralites@yahoogroups.com" <Keralites@yahoogroups.com>
Date: Wednesday, January 18, 2012, 2:37 AM
dear sir,all the banks rules are as like as the same. they must give their rules and regulations.if you pay remainingfull amount[ you must pay the remaing balance amount ]to relience and may get back full amount. try with your concern agent also.in my case also the same with icici bank. i paid two instalment 50000+50000= 100000 one lakei cannot pay the third instalment . now they forcedme to pay thethird instalment to get full up to date amount, otherwise they pay me back only the balance amount with deduction of their rules.
what can i do? i said ok then you pay me the balance as per your rules and regulations.
but stll they didnot pay yet. first this is our mistake. all the banks and bank agent s are theifs.
first they said some thing, afetr that they completely return to side of the bank. if we put our deposite in normal sanvings bank account,instead of this type of investment with relienc or like icici bankwe can get ful amount with up to date interest.totally we are mislead by the bank staffs andagent. this should be erased from the banking lawthismust taken to the irda with a groupof people who they are affected like this. how we can do it?. please consult with the lawyer.thanksregards
em. rassanaFrom: jamal kk <jamalkk2000@yahoo.com>
To: Keralites <Keralites@yahoogroups.com>
Sent: Wednesday, 18 January 2012 1:35 AM
Subject: [www.keralites.net] MUTUAL FUND-please help
Dear Friends,
I am a member of Reliance mutual fund under the scheme equity automatic investment plan since 2008. my deposit is 1 lakh . It is a 3 year plan but I invested only once in this plan(18-02-2008) and cound not continue in the next years(18-02-2009,18-02-2010)
Now as per the online report my status is ULIP - auto lapsed and my fund value is only 67,587/- after 3 years.and when Icontacted the reliance office could knew thatonlyI will get the money as per the statement after deducted perticular% of fees (around Rs 3000) My agentwas mis undestood me from the begining thatmy investment will be secure always because it is under IRDA.Please help some bodyto know whatamountI canclaim in this regards and what are the procedures.
Thanking you
www.keralites.net 
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