Dear Reader,

Have you ever heard any of these Lies before?

 Your money will always remain safe in financial institutes.

 Your pension will take care of all your expenses in retirement.

 If you work hard and save your entire life, you can retire comfortably

at 60.
 Your expenses will go down when you retire.

Though these might sound like they make sense, they are nothing but LIES
that could actually steal precious years from your retirement.

Let me tell you frankly...

It's NOT easy to escape from this...

You see, these lies are pushed by "the financial system".

In fact, the financial system relies on these lies for its survival...

For years it's pushed the idea that if you work hard your entire life, and pay
your hard-earned income into common investment plans and schemes,
you'll able to comfortably retire - assuming you live long enough and stay in
good health!

If this is so... then...

Why, according to a study by a life insurance company called Aegon

Religare, have most Indians only saved 71% of what they need to retire?

Why did Livemint recently report that the Indian economy is sitting on a
"ticking pension time bomb"?

In fact, a study by the World Economic Forum found that the world is facing a global
retirement crisis. For India, which will soon have the world's largest retiree population,
it could be disastrous.

And why then, are some financial insiders getting HUGE salaries and
bonuses?
For Example:

If one could have saved 1 Lakh rupees in any general saving scheme 10
years back, with fixed interest rate of 8%, then his total savings today
would be Rs 2.21 Lakhs.

So, it took 10 years to double his money (and that's not counting the
devaluing effect of inflation on his savings)...

Whereas financial executives' salaries get fatter and fatter - in 2016 the
executive director of a leading financial institution collected a nice 32% hike
in his compensation - up to Rs 9.73 Crore per year.

It's nice to be on the "inside" ...

But following what I'm about to share, you don't have to settle for the
"insiders" table scraps anymore.

It all starts with this question.

Have you ever felt, deep down, that there could be a better way?

A way to retire without having to work and save your entire life...

And without having to miss out on precious time with your family because
of work responsibilities...

If you've ever thought about this, then this is the right time to turn it into
reality.

Because today I'm going to show you a Retirement Secret which is guiding
some ordinary people to retire early and wealthy... an ideal retirement that
most of us dream and deserve.

Sadly, many people don't know about this Secret.

And that's why they're going to miss a beautiful retirement life... an

independent retirement life... a wealthy retirement life...
Fact is, there's no need to wait until 60 to retire. Your wealthy retirement life
could start much earlier than you've ever thought.

What I'm going to show you is a realistic way how one could potentially
multiply his money and retire with a fat corpus, in a few short years, by
ignoring the old Retirement Lies, just like these...

 You've been told to "save, save, save money" to have enough left to
retire on. Whereas what I'm going to show you is how to "invest and
multiply money" to make sufficient money for you and your family to
retire wealthy.
 You've been told you need 35 ... 40... 45 years to save enough to retire
on comfortably. Whereas here I'm going to share how to retire in 5 - 10
years, never working again.

You see, what I'm going to reveal in this letter, is a little-known way to
potentially make enough money for retirement - quicker than you might
have ever thought - starting with a lot less than you might have ever
thought...

In fact, I call this "The Rs 1 Lakh Retirement Secret" because it has the
potential to multiply a small amount, like just Rs 1 Lakh, into a lot of money,
very quickly.

For example, this secret could have already turned Rs 1 Lakh into...

 Rs 26 Lakhs in just 8.5 years

 Rs 60.2 Lakhs in just 8 years and 8 months
 Even Rs 1.22 Crores in just 4 years and 8 months

Of course, everyone's retirement needs are different. These are

extraordinary past examples and no guarantee of future returns.

What's important to note is, you don't always have to work and save for
your entire life before being able to retire officially.

NOT YOUR USUAL RETIREMENT PLAN…

 First of all, this has nothing to do with mutual funds, pension plans, fixed
deposits, or saving accounts…

The Rs 1 Lakh Retirement Secret puts you in control of your destiny...

growing your wealth faster than you've ever thought - so your future isn't in
the hands of an overpaid money manager

And unlike the usual investment avenues, one could collect his retirement
money not just from one company… but from as many companies as he
likes… even the ones he's never worked for a single day in his life.

And this Retirement Secret won't quit working for you even after you retire.
That is, you can keep putting money in and taking it out as and when you
like.

There's no penalty for early withdrawal.

And no employment restriction when you get in or out.

And even no age restriction.

Best of all, how much money one makes, isn't decided by the Government
or some regulatory body.

Sounds too good to be true?

"The Rs 1 Lakh Retirement Secret" is already used by some smart Indians to

build their fortune.

See for yourself…

ORDINARY INDIANS GETTING RICH WITH

THE RS 1 LAKH RETIREMENT SECRET
 Former Software Engineer DOUBLES His Wealth Every Two Years - Take D.
Francis from Bangalore for example. The 47-year-old used to call himself
'financially illiterate'. But now, according to one financial newspaper, he
DOUBLES his wealth every two years. Thanks to The Rs 1 Lakh
Retirement Secret.
 A Housewife From Chennai Used The Rs 1 Lakh Retirement Secret To Make A
Rs 400 Crore Fortune - Then there's Dolly Khanna. According to a financial
website, she along with her husband started using The Rs 1 Lakh
Retirement Secret back in 1996 and have multiplied their wealth 400 times
over.
 Delhi Based Businessman Made A Fortune Using The Rs 1 Lakh Retirement
Secret– According to a financial website, 49-year-old Ashish Chugh
started with just Rs 1000 in early 1990s and later used The Rs 1 Lakh
Retirement Secret to earn a fortune.

I'm sure you're eager to join them…

Well, let me show you…

A PROVEN BLUEPRINT TO ULTIMATE FREEDOM

According to Census 2011 data, for every 5 persons aged above 60 years,
more than 2 are still working. Moreover, only 1 in 10 senior citizens have
pensions or rent incomes.

So, while most people are working entire life that'll leave them with barely
enough to get by, never mind living a dream life…

The Rs 1 Lakh Retirement Secret could let you:

 Enjoy vacations you've always dreamed of.

 Have your own pool in the backyard of your home.

 Go out to 5-star restaurants as often as you like and order whatever

you want.
 Finance your child's education to get into Harvard, Oxford – the best

schools in the world.

 Plus much, much more.

In short, The Rs 1 Lakh Retirement Secret gives you the Freedom to do

exactly what you want, whenever you wanted to.

You could retire at age of 60… 50… or even 40.

I know this sounds too incredible to believe, but like I said, ordinary Indians
are already getting rich from The Rs 1 Lakh Retirement Secret.

And now, it's your turn to retire early and wealthy using the same secret…

THE SECRET TO LONG-LASTING WEALTH

If I'm not wrong, you've probably figured out, The Rs 1 Lakh Retirement
Secrethas to do with investing in the stock market…

But not in the way you might think.

In fact, it's almost opposite of the mainstream "wisdom"…

You see, The Rs 1 Lakh Retirement Secret works by investing in stocks of

small, lesser known companies.

That's because these small stocks are potentially the fastest growing
stocks in market, even though they remain a mystery to most investors…

What makes small stocks different from other "normal" stocks (generally
you find in mainstream media), is that they're tend to be cheap.

And at times they're even Dirt-cheap.

This means small or first-time investors could easily afford to invest in

them, without putting a lot of money at risk.

Moreover, some of these small stocks have the potential to pile up profits
MUCH faster than the dusty "blue chips" (stocks of leading and nationally
known companies), simply because of their small size.

Most of the big players are quite expensive and overvalued, with little
chance of handing new investors big gains.

Whereas, with a small stock, one could potentially double his money within
a relatively short period of time.

Take Infosys for example.

It's a big, well-known company, which happens to be the second-biggest IT
company in India.

The share price of Infosys was around Rs 709 in November 2011.

And today, its share price is around Rs 926. So, there's a gain of 30.58% in
last 6 years.

If Rs 1 Lakh was invested in Infosys in 2011, one would have made Rs

1.30 Lakhs in 6 years.

Rs 1 Lakh Turned Into Rs 1.30 Lakhs

Not an Equitymaster recommendation

Now compare this big, well-known IT company with a small, virtually

unheard of software company and niche IT service provider to Aviation
industry - Accelya Kale Solutions.

It's share price was around Rs 113 in November 2011.

And today its share price is around Rs 1315. So, there's a gain of 1064% in
last 6 years.
If Rs 1 Lakh was invested in Accelya Kale in 2011, one would have made
Rs 11.64 Lakhs in 6 years.

Rs 1 Lakh Turned Into Rs 11.64 Lakhs

Not an Equitymaster recommendation

So, you can see yourself…

It may not just be expensive to own big companies stocks but you'd also
likely have to wait for years to see significant returns.

Whereas, in small stocks, one could potentially make much bigger returns
while investing a lot less money…

So, with small stocks one could potentially double… triple… and quadruple money and
sometimes even more in just 5 to 10 years.

Making the same profit with a big company could take years … If one
makes a profit at all.

And, some of these small stocks can outperform many investments, where
one is not able to double his money even in 10 years... However, I would
like to add that small cap stocks are risky and could sometimes result into
losses too…

Yet… Some small stocks have huge potential to pile up profits much faster
than other blue chips.

SOUNDS UNBELIEVABLE?
OK! I UNDERSTAND…
LET ME SHOW YOU SOME MORE PROOF

Case Study #1: How The Rs 1 Lakh Retirement Secret turned Rs

1 Lakh into Rs 1.22 Crores in 4 years 8 months …
Avanti Feeds earns 85% of its revenue by selling shrimp feed and the rest
from exports of frozen shrimp. The Telangana-based company
manufactures shrimp feed and sells it to farmers for cultivating shrimps in
aquaculture.

Avanti Feeds is not only catering to the Indian farmers but having a long list
of loyal customers from USA, Europe, Japan, Australia and Middle East.

Back in 2013, one could have invested in Avanti Feeds for just Rs 23.53
per share.

Take a look at how that would've worked out…

Rs 1 Lakh Turned Into Rs 1.22 Crores

 Not an Equitymaster recommendation

In just 4 years 8 months, Avanti Feeds shares were selling for Rs 2,885
each – a skyrocket 12,161% return.

That's enough to turn just Rs 1 Lakh into Rs 1.22 Crores…

So, by investing in this single stock at the right time would have made one
Crorepati!

These returns are only possible by investing in small stocks. Here's another
example…

Case Study #2: How The Rs 1 Lakh Retirement Secret turned Rs

1 Lakh into Rs 54.84 Lakhs in 8 Years 8 months…
Headquartered in Mumbai, CEAT manufactures a wide range of tires for
cars, SUVs, two wheelers, light & commercial vehicles, tractors, etc.

It exports to over 110 countries across the world.

Back in 2009, one could have invested in CEAT for just Rs 31.70 per
share.
But in next 8 years 8 months, CEAT's shares were selling for Rs 1738.55
each – a massive 5,384% return.

Rs 1 Lakh Turned Into Rs 54.84 Lakhs

Not an Equitymaster recommendation

That's enough to turn just Rs 1 Lakh into Rs 54.84 Lakhs.

Here's another example…

Case Study #3: How The Rs 1 Lakh Retirement Secret turned Rs

1 Lakh into Rs 26.64 Lakhs in 6 Years…
Headquartered in Mumbai, Ajanta Pharma is now an Indian multinational
engaged in development, manufacturing and marketing of pharmaceutical
formulations.

Back in 2011, one could have invested in Ajanta Pharma for just Rs 45.32
per share.

But in just 6 years, Ajanta Pharma's shares were selling for Rs 1207.10
each – an incredible 2,564% return.
 Rs 1 Lakh Turned Into Rs 26.64 Lakhs

Not an Equitymaster recommendation

That's enough to turn just Rs 1 Lakh into Rs 26.64 Lakhs.

That's just 3 examples I've given you – there's hundreds more – but
imagine you only took advantage of this small handful of stocks…

Some of the Biggest Changes in Share Prices over 10 years

Company Duration Change
Avanti Feeds 4 years 8 months 12,161%
CEAT 8 years 8 months 5,384%
Ajanta Pharma 6 years 2,564%

(These stocks were not recommended by Equitymaster)

Rs 1 Lakh invested in each of the above companies, could allow one to:

 Travel the world, drink best wines on a beach, dine in finest

restaurants, drive SUVs and mingle with high-society.
 Look after family and friends with utmost care.
 Donate to favourite charities.
 Whatever one wants to do… A perfect retired life.

Of course, these are extreme examples to show you what's possible…

You'd have needed great timing and plenty of luck.

What's important is, this is TRUE power and potential of investing in small
stocks.

Unfortunately, most people are unaware about small stock capabilities.

That's why they keep buying and selling conventional big stocks with
mediocre gains (if they're lucky) – barely enough to beat inflation.

But I'm sure this will not happen in your case…

Because I believe, by now you're starting to see how The Rs 1 Lakh

Retirement Secret works… the trick is to invest in tiny companies with
massive upside potential… which could turn small investments into a
supersized retirement corpus.

Now, I know what you're thinking…

IF SMALL STOCKS ARE SO PROFITABLE THEN

WHY ISN'T EVERYONE DOING THIS?
AFTER ALL, WHO DOESN'T WANT TO RETIRE
WEALTHY AND YOUNG ENOUGH TO ENJOY
RETIRED LIFE?

If small stocks are so great, you'd expect everyone to harness their

amazing profit building potential and get rich.

Especially for some rare but possible chances to turn Rs 1 Lakh into Rs 1.22
crores or even more.

But that's not the case at all…

You see small stocks are so small, the "big boys" in the Share market can't
trade them.
This is because big investment firms can buy up thousands of shares at a
time but if the company they buy into is a small stock, then share price flies
through the roof with a big order.

This immediately cuts into their potential profits, so a small stock just isn't a
sensible way to trade in market, when you're a "big boy."

However, they're great for the little guy and first-time investors.

But because the "big boys" ignore them, the mainstream media does too.

Therefore, most people don't know about small stocks, or just don't trust
them because they don't get the same media attention, big blue-chip stocks
like Tata and Birla do.

But, as I have shown you some examples, there is no doubt that Small
Caps are highly profitable.

Yet the fact remains that some brokers generally keep these opportunities
to themselves and their wealthy friends.

And other times, they are not even aware of such massive opportunities.

That's why they keep recommending big blue chips, mutual funds and
costly insurance plans for people like you and me.

So, just like mainstream media, some brokers are also keep hiding… and
most of the times not even aware of the performance of small stocks.

Moreover, small caps are perceived to be risky. Understandably so. Low

liquidity, huge volatility, fewer public disclosures, limited access to capital,
threats from bigger players - the list of challenges for small-stock
businesses goes long.

However, with proper research these challenges can be taken care of.

What I mentioned above, are some of the major reasons why many people
still remain in dark about small cap stocks.
Though the mainstream media is ignorant about them, it's been proven
throughout history as one of the best ways to make a fast fortune…

In fact, one of the world's most successful investors used The Rs 1 Lakh
Retirement Secret to start his fortune…

LITTLE KNOWN STORY OF A SMALL STOCK

BILLIONAIRE

In 1939 a young American investor called John Templeton bought $100

worth of every stock which was trading below $1 per share on the New
York and American stock exchanges. His initial investment was $10,400.

Even though 34 out of the 104 different companies he invested were

bankrupt, four years later he had multiplied his money four times over – the
gains from his winners were more than enough to overpower his losers.

This is just one more example of the potential in small stocks. John
eventually retired a billionaire, and lived out the rest of his days in the
sunny, carefree Bahamas.

The power of small stocks has been proven throughout history as one of
the definitive ways to build massive wealth.

THIS IS AN ULTIMATE WAY FOR

THE ORDINARY PERSON TO GET RICH

I have already shown you some of the biggest changes in share price in
last 10 years which prove that the small stock share price explosions
actually happened.

In my view, investing in such stocks is one of the best ways ever created
for the ordinary person to get rich.

If you've never invested before then no need to worry.

Because we have designed a robust selection process that improves and further
improves chances for the really big money.

To invest in these stocks…

You do NOT need a world class MBA.

You do NOT need a fortune to start.

You do NOT need a lot of time (You can do it as part-time).

But, you DO need to know how to retire wealthy…

Many average people dream about achieving financial independence, but

they have no idea how to do it. And then they go on to make the mistake of
believing it's impossible. Many give up on their dreams.

But… with the right guidance, this doesn't have to be the case.

Till now the examples I have shown you are not recommended by us. But
now what I'm going to show you, are some success stories based on our
recommendations.

Again… Through all these examples, what I want to prove you is:

IT HAPPENED BEFORE… IT IS HAPPENING NOW…

AND IT COULD HAPPEN TO YOU

As I told you earlier, no one wants to share this Secret with you.

But, at Equitymaster, we are committed to our subscribers to provide

unbiased and honest research.
That's why, we created a service called Hidden Treasure to share these
"neglected" stocks with our subscribers… the tiny, little-known and little-
discussed stocks that make The Rs 1 Lakh Retirement Secret possible.
Before I tell you further about Hidden Treasure, let me introduce myself.
I am Rahul Goel, CEO of Equitymaster, one of the most trusted financial
websites among new and small investors.
Our journey began in 1996 to create a financial research platform that the
investors of the country could trust.

And since then, referred as India's first financial website, Equitymaster has
become a storehouse of financial education with detailed news and
analysis on Indian stock market.

You see, the kind of research we do is not on useless information which

you generally see on TV or read in newspapers… We only concentrate in
finding opportunities that could potentially make money, the ones that will
allow one to send entire family to the Europe for vacation…

This is the reason that now we're having over 1.7 million registered
members across 72 countries, worldwide, who trust us for honest and
reliable research.

And these members are already receiving recommendations of our strong

in-house research team - a squad of brilliant researchers with a collective
experience of nearly 80 years.

Now, I'd like to introduce you to one of our research analysts. The
mastermind behind the Rs 1 Lakh Retirement Secret.
Richa Agarwal is one of our best analysts, specializing in finding off-the-radar
investments, which are capable of handing market-trouncing performance.
Her dedication in finding out hidden gems has guided our subscribers quite
well for around 7 years.

As you can imagine, singling out these huge potential stocks takes time…
and exhaustive research.

At times, 10 ideas have to be rejected before one is finalized to identify the

next small stock which could have huge potential to generate multiple times
gains.

May be for you, it could be boring in-depth research consuming hundreds

or even thousands of hours…
BUT THESE TINY, LESS LIQUID, AND POTENTIAL
MULTI-BAGGER STOCKS ARE EXACTLY THE
STOCKS
THAT INTERESTED RICHA AGARWAL, THE MOST

For last so many years, Hidden Treasure has recommended many small
stocks with extraordinary gains, few of them capable enough to enable
people retire early and wealthy.

Take a look and see for yourself…

Success Story #1: How The Rs 1 Lakh Retirement Secret turned

Rs 1 Lakh into Rs 60.2 Lakhs in 8 years 8 months…
Rs 1 Lakh invested in Page Industries in 2009, would yield Rs 60.2 Lakhs in a
period of 8 years 8 months.

Located in Bangalore, this small company looked like any of the other small
businesses nearby…

No big glass facades outside… No large security presence… An ordinary

entrance…

In fact, it's highly likely that you would walk past it and not know that such a
company existed there.

But in 2008 when one of research analysts was tracking this company for
many months, what they found was completely different.

It was the ONLY Licensee in India for a global brand that (at that time)
enjoyed a 30% market share in the industry worldwide.

Even in India, this 'brand' enjoyed being the largest organized international
player in a Rs 680 Billion industry.

Plus, it had a massive presence across 1,100 cities (when we

recommended it), 14,000 outlets, more than 7,000 employees…
In 2008, after going through all details, we recommended Page Industries
to our subscribers.

Just see, what happened post recommendation…

Rs 1 Lakh Turned Into Rs 60.2 Lakhs

Past performance does not guarantee future results.

*Returns have been calculated with respect to 15th September 2017

If one had acted on our recommendation, he could have made 5,920% in 8 years 8
months.

If you haven't heard about Page Industries, then you're not alone. Here's
one more company unknown to many people.

Success Story #2: How The Rs 1 Lakh Retirement Secret turned

Rs 1 Lakh into Rs 26 Lakhs in 8.5 years…
Rs 1 Lakh invested in eClerx Services in 2009 would have turned now to Rs 26
Lakhs, in a period of 8.5 years.

Starting from humble beginnings at a small office in the Fort district, right by
our office, in Mumbai, eClerx grew quickly during its early formative years,
and is now a 6000+ person organization with five operations delivery
centers based in Mumbai, Pune and Chandigarh.

We recommended eClerx Services to our subscribers in 2009.

Look what happened post recommendation…

Rs 1 Lakh Turned Into Rs 26 Lakhs

Past performance does not guarantee future results

*Returns have been calculated with respect to 15th September 2017

If one had acted on our recommendation, he could have made 2,500% in 8.5 years.

As you can see, many of recommendations made by our small cap team,
have already generated handsome gains. And these companies are not so
popular in mainstream media. But these are the companies that interested
Richa Agarwal and her team the most.

Let me share with you one more success story…

Success Story #3: How The Rs 1 Lakh Retirement Secret turned

Rs 1 Lakh into Rs 11.58 Lakhs in 7 years…
Balkrishna Industries is a leading manufacturer of Off-Highway tires for
segments like agricultural, construction and industrial vehicles as well as
earthmoving, port and mining, ATV, and gardening applications.

If it sounds like a boring business that's because it is. And that's why
opportunities like this stay hidden…

Meanwhile, it's been quietly growing, now selling its products in more than
130 countries worldwide and its client base is growing year after year.

If Rs 1 Lakh was invested in Balkrishna Industries in 2009, in 7 years one

would have a welcome Rs 11.58 Lakhs.

We recommended Balkrishna Industries to our subscribers in 2009.

What happened post recommendation? Take a look…

Rs 1 Lakh Turned Into Rs 11.58 Lakhs

Past performance does not guarantee future results

*Returns have been calculated with respect to 12th September 2016

If one had acted on our recommendation, he could have made 1,058% in 7 years.
So, you can see yourself... Hidden Treasure recommendations could have turned one's
invested money into multiple times in a period of 7 to 8 years or even less...
A big credit goes to Richa and her team who are continuously exploring
best potential opportunities for Hidden Treasure subscribers.

Richa started her career as an Equity Research Analyst in a big multi-

national company where she had to study companies based outside of
India.

That was her dream job when she was just a student.

But slowly she realized she was not happy…

She was missing something.

She wanted to get into Indian equity research.

To find out hidden gems inside India - The small companies which have the
potential to be future's Avanti Feeds, Page Industries, Ajanta Pharma,
CEAT, eClerx Services, Balkrishna Industries…

To meet management of these small companies - To grill them and really

understand their businesses. To tour the factories and see where the real
potential in our country lies.

She wanted to get her 'boots on the ground'.

That's why she quit her MNC job and joined Equitymaster.
At Equitymaster, she stepped into the driver's seat of her research service,
called the Hidden Treasure.
After researching how those tiny stocks performed in relation to the overall
market, the results only reinforced what she thought – earlier Investing in
small stocks is the way to make REAL money.
For the past few years, Richa has been researching and analyzing The Rs 1
Lakh Retirement Secret from every angle so that she can show readers of
her newsletter how to best profit from few selective stocks which she called
HIDEEN TREASURES.
Stocks like Page Industries which could have generated 5920% returns in 8
years 8 months.
That's why we, at Equitymaster, classify such companies as a…
 "FIND"

…which means it's something extra special.

THESE SELECTIVE SMALL STOCKS WITH HUGE

POTENTIAL
ARE ALL REAL-LIFE RECOMMENDATIONS
OUR TEAM SENT TO SUBSCRIBERS OF HIDDEN
TREASURE
As Hidden Treasure Report readers know, Richa and her team of experts do
all the work for you.

They do all research and then select small stocks, investing in which, one
could potentially change his fortune forever.

Small-stock companies, owing to their size, have the potential to grow

much faster than their big, less active counterparts. Further, because they
are less tracked, small companies are more likely to be attractively priced.

But as I told you earlier, the road to small stocks is full of potential pitfalls.

Our experience in researching small cap stocks tells us that one could be in
for big trouble if you just look at the rosy returns.

That's why, when Richa and her team shortlist stocks for Hidden
Treasuresmall cap stock recommendation service, they do a thorough
analysis of the company's business model, financial health, growth
prospects, profitability management, quality, and so on.

RICHA HAS IDENTIFIED SEVEN TRAITS OF

HIGH POTENTIAL SMALL CAP STOCKS

 They're Innovative: All great companies are innovators. They change

business, and virtually eliminate competition. These continuous
innovations have already put many traditional companies out of
business.
 They're Niche Giants: The niche could be in the form of a niche product, a
niche customer base, a specific geography, and so on. Niche sector
along with leading market position can easily distinguish a good company
from average companies.
 They're releasing a 'Disruptive' technology: Disruptive technologies create
new industries, and shake-up the way business is done. Some little
companies with new patents make it almost impossible for competition to
get in on the action for years .
 There's a stimulant: A coming event can send a tiny stock through the roof.
Imagine owning a tiny pharmaceutical ahead of major drug approval… or
a little software company before a major takeover. These future events
can make investors ridiculously wealthy.
 Hidden Value: How much is the company really worth? That's what we're
trying to nail down with this metric. Richa and her team goes far beyond
simple ratios and dig deep into the company's financials to figure out
how it will perform compared to its peers as well as the market at large.
Companies that are undervalued are likely to see the share price go only
one way… UP! Usually the same thing happens to shareholders profits.
 Healthy Balance Sheet: This implies low leverage and healthy cash flows.
This means a company can grow without eroding profitability or
increasing risks. Moreover, company has the money to research and
develop products, market itself, hire new staff, and buy new equipment.
If the company is a body, then cash is the blood.
 They're run by Visionary Management: While the quality of promoters is
important in general for all companies, in the case of small companies, it
plays a very central role in determining the fortunes of the business.

MANY COMPANIES ARE KICKED OUT WHILE

GOING THROUGH THIS RIGOROUS PROCESS

You see, Richa is ruthless when it comes to identify the most profitable
stocks.
She has created the STANDARD process that she and her team follow
religiously for every company which comes under their radar.

Every company is ruled out from further investigation if it misses even a

single trait.

Right from analyzing the financial reports to in-depth sectoral studies…

Checking the competitive advantage to promoter record…

Most importantly, meeting the top management to get a closer look into the company
and verifying their claims…

There is a standard process followed for every company which excites her
team.

Then ONLY she decides to let her subscribers in.

This is not possible while sitting in office and doing research. No stock is
recommended without meeting and regularly interacting with management
and boots-on-the-ground research.

There is no pressure to come up with Buy recommendations every time.

No one directs the 'view' on the stocks.

The process rules. Long term and value investing that have gone out of
fashion for others are still followed in Equitymaster.

This is how we found Page Industries, where…

Rs 1 Lakh is turned into Rs 60.2 Lakhs in just 8 years 8 months.

So, you can see yourself:

THESE ARE THE KINDS OF STOCKS THAT COULD

SUPPORT ONE'S RETIREMENT PLAN AND LET ONE
RETIRE EARLY AND WEALTHY INSTEAD OF
WORKING HARD FOR 30 - 40 YEARS
Of course, I know that share price explosions like Avanti Feeds (12,161%
gain),CEAT (5,384% gain), Ajanta Pharma (2,564% gain) or Page Industries (5,920%
gain) don't happen every time and that these are few extraordinary gains.

What I am showing you is some examples of what's possible with 'good'

small stocks in the long run.

Richa, along with her team is always searching for such kind of companies,
all across India, and make recommendations to her subscribers only once
she is completely satisfied with the management quality and business
prospects.

So, you don't need to find these fast-growing stocks. That's our job
with Hidden Treasure service.
Just like Page Industries (5,920% gain in 8 years 8 months), Hidden Treasure also
recommended…
 eClerx Services (2,500% gain in 8.5 years)
 Balkrishna Industries (1,058% gain in 7 years)
 City Union Bank (489% gain in 6.5 years)
 Canfin Homes (330% gain in 2 years)
 PI Industries (258% gain in 1.5 years)

And many more…

So, the most important question I must ask from you now…

ARE YOU READY TO RETIRE EARLY AND

WEALTHY?
If one captures the moneymaking power of scientifically selected small
stocks, then perhaps he could make a lot of money within a few years and
change the way he lives.

Though it takes a lot of work to know about good stocks… but once you
know how to differentiate high potential stocks from poor mediocre
stocks… then…
You could potentially start earning money the ways wealthy insiders do.
They don't work for their riches. They pick up the phone and buy stocks
that they know are immensely profitable.

So,

You'll no more remain an ordinary man who is busy in daily rat race.

Because…

Now you're going to become an investor… an intelligent investor… a

knowledgeable investor… who could retire early and wealthy using our The
Rs 1 Lakh Retirement Secret.

TODAY… IN FACT, FROM NOW ONWARDS…

YOU CAN START YOUR EARLY & WEALTHY
RETIREMENT
BY SIMPLY SUBSCRIBING TO OUR PREMIUM
SERVICE

HIDDEN TREASURE
Once you sign in as a subscriber…

1. You will get your hands on everything - from our past records to our
present recommendations of Hidden Treasure.

Recommendations that could potentially start your journey towards

wealthy and independent Retirement … just like I have shown you in
this presentation.

Recommendations that could potentially generate multiple times

return in next 5 to 10 years… just like I have shown you in this
presentation.

From our past recommendations, you can even cross-check

everything - whatever facts I have mentioned in this report.
 Returns like 5,920%, 2,500% and 1,058% and many more.

You can also see our current recommendations.

You can thoroughly check our records up to your utmost satisfaction.

2. On or before 15 of every month you will be provided a detailed

th

recommendation report which includes:

1. One fresh recommendation with detailed analysis and valuation.
2. Latest views and updates on existing recommendations every
month.
3. List of stocks which we believe are most attractive from
valuation and stability perspective.

Annually, our subscribers are entitled to receive at least 12 detailed

reports (Buy/Buy at Lower) recommendations.

3. You can see quarterly result updates of small cap stocks under
coverage.
4. You will get special reports based on specific events that may have a
material impact on the company's fundamentals.
5. You will also get performance review of small cap stocks every month
which includes list of TOP stocks to consider buying and updated
open positions table.
6. Plus you will get Private Briefing and IPO analysis and views for
select companies.

YOU CAN TRY OUR HIDDEN TREASURE SERVICE

WITH NO OBLIGATION FOR 30 DAYS
Like I said before, you can see all our past recommendations as well as our
current recommendations.

And if there is a one in a million chance that you're not satisfied…

Then at any time within the next 30 days…

You can cancel our service and get your full refund.

Is it Fair Enough?

So, the control is always with you.

SUBSCRIBING TO HIDDEN TREASURE

IS JUST THE BEGINNING OF WONDERFUL
RELATIONSHIP BETWEEN YOU AND US
You see, we put in lot of efforts in bringing best recommendations for our
subscribers - right from analyzing complex reports, using most
sophisticated softwares, traveling and meeting management to nailing
down best small cap investing ideas for our subscribers.

And in return we usually charge nominal subscription fee of Rs 6000/- .

But I believe there are thousands of ordinary people who are still
wondering…

How to retire rich and early…

How to move out of rat race…

How to live life they want…

How to work from wherever they want… whenever they want…

…And never worry about money again.

That's why I want to guide as many people as possible through our

research and recommendations.

So, let me offer you a very very special deal…

If you subscribe to Hidden Treasure service just NOW… then you can
have…

HIDDEN TREASURE AT 50% DISCOUNT ON

THE STANDARD PRICE RS 6000 NOW FOR JUST RS
2,950
Not only this! You will also get…

OUR LATEST RECOMMENDATIONS REPORT

"3 STOCKS TO KICK-START YOUR
EARLY & WEALTHY RETIREMENT"

Once you subscribe to Hidden Treasure, I'll immediately send you our
special report on 3 stocks recommendations to kick-start your early and
wealthy retirement. I believe these 3 stocks could guide you amass a hefty
retirement corpus.

Stock #1

This sixteen-year-old company has focused on specific niche high-growth

segments that are highly profitable.

Starting with marquee Wall Street clients in the financial space, the
company is now one of India's leading KPO/BPO firms.
The company's management has deployed cash judiciously from its core
business to make niche acquisitions.

And the payoff has been excellent.

This is evident from consolidated Return on Equity (RoE) that has never
fallen below 30% and a debt free balance sheet. On the top of it, the
management has always returned excess cash to shareholders.

A visionary and ethical management, a well-established business model,

stable growth prospects, strong cash flows, negligible debt, and high
amount of capital being returned to shareholders, make this company a
compelling pick for your early and wealthy retirement.

Stock #2

This company is a fast-growing player in a niche segment, with a pan-India

presence.

What makes this company different is its unique asset-light business model
just like Uber and Ola.

Uber and Ola own zero vehicles. Still, these businesses are immensely
successful.

How?

Because of their asset-light business models which enabled them to quickly

achieve scale and efficiency. They then use the very same model to exploit
new revenue opportunities.

Similarly, this company using the same asset-light business strategy, has
registered impressive topline and bottomline growth in the last 5 years.
Moreover, it has comfortable profit margins, impressive return ratios, and
almost debt-free balance sheet. It has also created a strong brand
presence.
With the tailwinds from growing domestic tourism, rising discretionary
consumption, urbanisation, and the increasing middle-class population, this
is an ideal opportunity for investment.

That's why we consider this company an absolutely one of the best picks
for your early and wealthy retirement.

Stock #3

This company operates in service industry and has the technological

capability to deliver complex projects at a fraction of a cost incurred in the
US and Europe.

Moreover, it enjoys tie ups with top 20 players in the segment it caters to.

In the service industry, employee cost management is the key to extract

operating leverage.

Considering this important factor, the management of this company

relocated its workforce to cost effective destinations and put in a place a
process for training semi-skilled workforce from smaller towns and cities.

This has resulted in an increase in revenue per employee over the last 6
years.

India's status as a favoured outsourcing destination due to its language

competency, further strengthens the long-term business prospects for this
company.

All set to ride the outsourcing boom in its segment, we consider this
company as one of the top picks for your early and wealthy retirement.

So…

You're just one click away to get this incredible offer for exciting profitable
journey to retire rich and independent.

And if you're not satisfied, you can cancel our service and get your full
refund.
The best part is, since you have tried Hidden Treasure service…
YOU WILL HAVE ACCESS TO ALL THE HIDDEN
TREASURERECOMMENDATIONS INCLUDING OUR
LATEST REPORT -
"3 STOCKS TO KICK-START YOUR
EARLY & WEALTHY RETIREMENT"
WITH THIS
INCREDIBLE 30 DAYS, 100% REFUND POLICY

HERE'S WHAT OUR SUBSCRIBERS

HAD TO SAY ABOUT OUR RESEARCH
"Hidden Treasure has added value in terms of exposing me to new
opportunities available in the market.

Brought to notice many new companies to me.

In one of the stocks recommended by Hidden Treasure, I made 3 times

money till date. It was a very good find.

Hidden Treasure service is a great way of exploring new companies and

understanding them.

Many small cap shares were not even known to me earlier. However, after
going through the Hidden Treasure I find I have missed lot of opportunities
in my earlier years. I am now 65 years old and I have been in the market
for the last 30 to 35 years!

Now I am confident that more opportunities exist in small caps and midcaps
rather than large caps.

I am still holding many shares recommended by Hidden Treasure."

- V Venkataraman

"Initially I invested in two of the stocks recommended by you. It was

unbelievable, the very first day I earned at least five times of the
subscription I paid.
As informed, I invest for long term benefits, especially as part of building a
Corpus Fund before retirement."

- Sarat Kurup

"I used to invest on hints received from TV channels, print media, my

broker etc.

I had faced the uncertainties & losses sometimes, but never had windfall
gains. Later I had a short course in Technical Analysis. The profitability
increased but still had occasional losses by not going by the rules. This
was because lack of knowledge of Fundamentals, and emotional
attachment with the company.

Hidden Treasure is a service that studies well the fundamentals of a

company. The financial evaluation is totally unbiased. As and when the
share price is having no more potential to generate increased profits, a sell
advice is given.

I had never seen any analyst giving a sell advice.

By applying Swing Trading principles to scrips bought under Hidden

Treasure, I earned phenomenal profits."

- Vijay Phadke

"I was scared of investing in smaller companies.

I had been reading about it in your newsletters and decided to give it a try.

I am more comfortable with your recommendations.

The entire portfolio is doing very well."

- Pankaj Varma

"156%, 53%, 70% gains in some of the stocks."

- Jaspaul Sandhu
"After subscribing to Hidden Treasure, I started understanding market from
totally different angle.

Profits have started coming on regular basis & most important I started to
know market in detail.

Now I'm having many successes with Hidden Treasure.

I must admit that initially I was not confident about your research as I had
previously tried many others. Since last year I have started your
subscription & in some stocks I was just observing your recommendations.

But this year, I will do most of your calls as my faith in your calls(research)
have increased."

- Mrs Manisha Shelar

"Before subscribing to Hidden Treasure, my investments were based on

business magazines and channels.

But I wanted to get actuals facts and figures before making investments.

Hidden Treasure has been a good decision-making tool for investments

based on long term trends instead of market favourites.

Most of the companies that I have invested in, have given me good returns
if I hold them for at least 2 years despite the current market dynamics."

- Conrad Fernandes

NO! WE ARE NOT CORRECT ALWAYS…

SOMETIMES WE MAKE MISTAKES TOO

Like the mistake we made in recommending MIC Electronics in July 2009…

The company is a market leader in LED lighting space in India. The

company which had grown strongly in the past, failed to capitalise on the
growth opportunity.
First, it lost a major order from one of its key clients.

Second, we had some issues with the company's disclosure levels.

Third, the management's silence on several issues facing the company had
been frustrating.

Given this, research recommended our subscribers to sell the stock, at a

loss of 45% from our recommended price.

Apart from MIC Electronics, there were some other companies that did not
do as per our expectations, such as…

Company name Loss %

SREI Infrastructure Finance Ltd. -71%
Ahluwalia Contracts (India) Ltd. -60%
Bartronics India Ltd. -32%
Innoventive Industries Ltd. -83%

But these incidents have made us even more careful with our Hidden
Treasurerecommendations.

For this, we have created a double cross-check mechanism to recommend

mostly STABLE small stocks.

But still, you can't expect every small stock recommendation to be a

winner.

However, even if a few of them succeed in enduring the ups and downs of
the market and turn multi-baggers, you'll see the benefit of our
recommendations…plus maybe a lot more.

To retire early and wealthy!

And I just don't say this, because I am the CEO of Equitymaster…

I say this because I have proven results.

Yes, our recently audited track record for more than nine years of service,
shows a 63.5% success rate for all closed positions between February 2008
and June 2017….
Is that good?

In small stocks space, of course it is…

Because Hidden Treasure recommendations have beaten the BSE Sensex

nearly 3 times since inception .

See this extract from our records:

For Hidden Treasure recommendations, both open and closed, the Internal Rate of
Return (IRR) since inception in February 2008 is 30.1%. The IRR for the BSE
Small-Cap Index and the BSE Sensex is 11.7% and 10% respectively.

This makes me feel proud of our continuous best efforts toward our loyal
subscribers.

And that's why I want you to be a part of our inner circle so that you can also
get an opportunity to retire early and wealthy.
Now here's what else you get immediately by subscribing to Hidden
Treasure…

EQUITYMASTER'S STOCK MARKET YEARBOOK

2017

Every year, we publish the latest and complete

data on Top 300 companies. Plus, a wealth of
information on over 20 sectors, the Indian
economy, mutual funds… all, in one place.

This invaluable information serves as a ready-

handbook for any smart investor.

Available in an easy-access PDF version, this

Yearbook provides the latest data that could
guide you towards making smarter investment
decisions.

Priced at Rs 750 normally, you will get a downloadable

copy of the 2017 Edition Yearbook right away… Absolutely FREE!

And…

You'll also get our hugely popular guide…

"HOW TO PLAN YOUR EQUITY PORTFOLIO"

Now there is a very important thing you need to know while investing in
stocks… And that is asset allocation.

Asset allocation is the key to having a well-diversified portfolio in small

stocks. It is what protects investments and could lead to their growth
irrespective of the changes in the market.

A well-diversified portfolio is one where your stocks are properly spread out
across different market caps and different sectors.

Our extremely popular "How To Plan Your Equity Portfolio' guide will guide you in
understanding what is the right diversification for one's portfolio, so that losses can be
minimized and small stock returns can be maximized.
(The allocation suggested will of course vary from person to person and is
merely indicative in nature. For something that works best for you, we
recommend you talk to your investment advisor.)

And you can get this guide absolutely FREE when you subscribe to Hidden
Treasure NOW.

That's not all…

You'll also get an online utility software that will help you track all your small
stock investments in one place.

It's called…

EQUITYMASTER'S PORTFOLIO TRACKER

It's online, and is available to you 24 hrs a day.

This software will make your life extremely easy. All information will be
available to you automatically.

 You just have to enter the details of small stocks owned by you
ONCE… and Portfolio Tracker will show you what your entire portfolio
is worth AT THAT MOMENT anytime you log into it.
 You can set your account to send you automatic end-of-week and
end-of-month performance updates for all your portfolios.
 You can set up priced based alerts for all the stocks that you own
(and also the stocks that you don't own but only wish to track).
 Plus, you can also track your short-term equity or derivative trades,
Systematic Investment Plans (SIPs) and even get Net Asset Value
(NAV) alerts for the mutual fund schemes with Portfolio Tracker.
 You can also generate automated customized intelligent reports for
your stocks or portfolio, to understand how a certain market event
could affect them.

Please Note: Equitymaster's Portfolio Tracker is an online stock and mutual fund tracking tool. It is
NEITHER a Portfolio Management Service NOR does if offer any personalized opinions whatsoever.
Additionally, all the user data is strictly private and in no way used for making recommendations.
Equitymaster does not offer portfolio management service and is not registered as a portfolio manager or
investment advisor.
This Portfolio Tracker usually costs Rs 330 for a year. But by subscribing to Hidden
Treasure, you get it absolutely FREE.
And… the Portfolio Tracker can also be accessed on your mobile.

NOW… WHAT MORE YOU NEED IN YOUR

RETIRED LIFE?

It's my job to make your life as easy as possible… as wealthy as possible…

as independent as possible…

A truly Retired life that you deserve.

And for this reason, I'm giving you one more bonus once you subscribe to
our Hidden Treasure service. It's called…

EQUITYMASTER PRIVATE BRIEFING

In case you're wondering how you're going to keep track of ALL the
research we publish through our services…

You'll be glad to know that we now release a weekly email titled "Private Briefing".
Private Briefing is direct line of communication between our premium
members and me.
Private Briefing offers an honest, transparent, and unbiased insight into
what's happening in the Indian economy and the markets.

It will provide a wealth of insights into what's happening within

Equitymaster and the big macro themes from India and the world that could
help you make potentially profitable decisions.

Through Private Briefing, we will connect the big picture to the impact it
could have on your wallet.
Effectively, Private Briefing is the platform for an ongoing conversation with
an aim to empower readers with honest and credible opinions.
The primary goal of Private Briefing is to connect the macro big picture to
the average investor's wallet. It will carry the house view of Equitymaster.

We will unearth facts behind the stories pedalled in the mainstream media.
It will bust myths, expose vested interests, and offer ideas for creating
wealth.

The letter will stay true to the core principles of sensible investing but will
also offer insights into the latest trends and ideas from the world of money.

And last but not the least, we also regularly discuss letters we received
from our readers or subscribers in the past one week.

And no matter these letters were of praise or criticism, we never shy away
from talking about them and explaining our side of the story.

So again, you'll never have to worry about missing any important research
from Hidden Treasure or any of our other services you're subscribed to.

You can just click on a link in your email, and get the full information
whenever you want.

The best part is, if you subscribe to Hidden Treasure Now…

YOU'LL GET ALL THIS AT LESS THAN HALF

PRICE
FOR JUST RS 2,950

As I told you, a year's subscription to Hidden Treasure usually costs Rs

6,000. But if you act NOW, you're getting the same subscription for Rs
2,950 only.
Let me summarize what all you're getting once you subscribe to Hidden
Treasure…
Here's All You Get By Signing Up To Hidden Treasure NOW
 Hidden Treasure for just Rs 2,950 (Normal price = Rs 6,000 for 1 year)
 1 well researched and high potential Small Cap Buy/Buy-at-a-Lower-Price
recommendation every month for 12 months
 List of TOP small cap stocks you could consider buying every month
 Instant Access to our latest recommendations report: "3 Stocks to Kick-
Start Your Early & Wealthy Retirement" – I believe this alone is worth
more than your annual subscription fees. Only available for limited
time.
 FREE Performance review every month
 Quarterly results reviews of all Hidden Treasure open positions
 Special updates on the recommended stocks as and when required
 Equitymaster's easy-access Stock Market Yearbook
2017 downloadable edition. Worth Rs 750, this is invaluable data on
top 300 companies of India. You'll get it FREE.
 Our hugely popular asset allocation guide How To Plan Your Equity
Portfolio FREE
 FREE access to our "Intelligent" Equitymaster's Portfolio Tracker worth
Rs 330 per year
 Private Briefing once a week compiling all important information in
one place
 Access to select IPO analysis and views

DOES "RETIRING EARLY AND WEALTHY"

STILL SOUND IMPOSSIBLE?
PLEASE REMEMBER, IT'S NOT

Let me remind you that what I have shown you… actually happened…
happening now… and could happen to you.

So, you really could have invested in these small stocks and get retired
wealthy with some luck and expert timing I might add.

Fact is there's always opportunity for those with the will to get rich.

Of course, the probability is low when you're investing in such kind of

stocks. But NOT impossible.
As I have already shown you some good case studies, where share prices
of some unheard small stocks have skyrocketed within few years.

So, you could also retire early and wealthy, if you follow this Rs 1 Lakh
Retirement Secret.

Best of all, it doesn't require too much efforts from your side.

It only takes 15 minutes to read our research reports.

You can do it while the coffee is brewing.

You can do it while you're eating breakfast.

You can even do it in your pajamas.

No need to sit for hours and hours, glued to your computer screen. You can
go to work, play tennis, or take a vacation… without worrying that you're
going to miss out on any potential profits.

IF YOU CAN READ THESE MONTHLY REPORTS,

YOU COULD TAKE ADVANTAGE OF
SIMPLE CASH BOOSTING OPPORTUNITIES,
SOME OF WHICH I'VE DISCUSSED IN THIS LETTER
IT'S THAT EASY…

In our Hidden Treasure service, we are always looking for tiny, lesser-known
stocks with BIG potential.

The small companies which are going to be next Page Industries, eClerx
Services, Canfin Homes…

As I told you earlier, we have identified certain unique traits about the huge
potential small stocks - that give us the best possible chance to hit these
BIG, BIG numbers.

SIMPLY TRY HIDDEN TREASURE FOR 30 DAYS…

AND THEN DECIDE
 REMEMBER: YOU'RE HAVING THE FULL
CONTROL

That's right.

Like I already said, you can try Hidden Treasure without any risk for a full 30
days.

If it turns out that you don't like it, just let us know any time before the 31st
day and we'll refund the entire fee you paid.

And you can keep everything you downloaded till that moment.

And here's the best part…

If you take advantage of this offer, you can also continue benefitting
from Hidden Treasure at half off for as long as you want.
By signing up NOW, your subscription will be covered under our No-Interruption-
Auto-Renew Plan that allows you to stay subscribed to Hidden Treasure at this low
price for as long as you want.
Yes! Every year, as per your Standing Instructions, we'll charge your
card Rs 2,950/- and automatically renew your subscription for another year.
But don't worry…you will always be in complete control of your Hidden
Treasure subscription.

We'll send you a reminder email before this recharge every year. If you
don't wish to continue, just let us know and we'll not renew your
subscription anymore.

Sounds good?

In any case, I suggest you act fast because…

ACTING NOW WILL GIVE YOU INSTANT ACCESS

TO OUR EXCLUSIVE LATEST
RECOMMENDATIONS REPORT
"3 STOCKS TO KICK-START YOUR
 EARLY & WEALTHY RETIREMENT"
YOU COULD CONSIDER INVESTING IN
IMMEDIATELY

As you've seen, these small stocks can move up very fast. So, if you delay,
you risk missing out on the biggest gains.

So, getting in early can make a BIG difference. By subscribing to Hidden

Treasure NOW, you get that advantage.

And let me remind you again…

Through this offer you can get 1 Year of Hidden Treasure for just Rs
2,950 instead of the usual Rs 6,000…which will not be the case for very
long.
This offer is available for a limited time only. Since we want to keep this
incredible offer only for serious people who want to retire rich and early.

So, hurry-up!

Opportunities will not wait for you forever. It's you and ONLY you who has
to grab this opportunity for you and your family.

Click Here To Obtain Your Access To Hidden

Treasure…
Warm Regards,

Rahul Goel
CEO, Equitymaster