FinEngg Capital Deposit Products The current global macroeconomic conditions spell recession in most parts of the world with deflating asset values, reducing credit and home equity, and depreciating currencies. While consumer defaults continue to escalate, house prices continue their decline and the banking system continues to stabilize with government support, the current global environment definitely merits a return to a more conservative savings and investment approach, prompting the demand for safe, liquid, deposit type investments protected from currency depreciation and providing modest returns above bank rates. Deposit Product Offerings : FinEngg Capital provides a range of short-term hedged and unhedged deposit products for US, UK, Europe and Asian investors with maturities from 1-12 months and annualized returns from 6.0% - 18.0%. Strategy : The FinEngg Capital strategy is simple. FinEngg exploits opportunities in the Indian equity market on a fully hedged basis. FinEngg portfolio managers invest in Indian blue chip equities which are fully hedged using one to three month short-dated options using a technique called “delta-hedging”. Given the relatively nubile options market in India and inefficiencies in pricing, FinEngg is able to generate returns of 6.0 -18.0% annualized investing in fully hedged blue-chip equities. The returns are generated and distributed on a monthly basis.

For individuals with mortgages on property in India, FinEngg’s products can serve to be a great tool to generate 12-18% annualized returns while repaying mortgages in India at 10-14%interest rates, thereby leaving you to be cash neutral to positive while fully repaying your loans through the deposit income generated by FinEngg’s products. Comparison to Peers : Deposit products provided by bank peers like HSBC, Barclays and Citigroup provide returns ranging from 0.75% to 6.0% annualized basis. FinEngg products provide an incremental 3.50% to 9.00% returns on liquid deposit products.

More on FinEngg Capital Advisors Private Limited : FinEngg Capital Advisors Pvt. Ltd. is a financial investment and services company with office in Mumbai. FinEngg Capital has extensive research capabilities with analysts in UK, UAE and India. Founded in Mumbai, it employs 4 senior team members with high net worth investors backing the funding requirements of the company. FinEngg Capital is dedicated to providing a broad range of financial services for individual, institutional, corporate and government customers. Our business activities include proprietary derivatives investment, asset management and consultation services for domestic retail investors, high net worth investors, investment trusts and institutional investors. Our model is based on identifying untapped delta hedged strategies and volatility arbitrage opportunities in the capital markets and present this as an alternative investment to investors.

Frequently Asked Questions :
1> Equity Options ; That sounds really risky ?
Equity options are essentially derivative instruments on underlying stocks. Trading in plain stocks and/or long-dated equity options has its individual risks, since both instruments are exposed to change in the value of the stock (have positive and negative deltas). However FinEngg uses a delta-hedging strategy which means to have offsetting positive and negative positions in stock and stock options resulting in a zero or close to zero delta, thereby making the net position almost independent of the change in the stock price. Hence the historical returns on the FinEngg strategy have been remarkably stable over this turbulent time in the market. This does not mean risk free but a delta –hedge strategy minimizes risk to a very large extent and produces far superior risk-adjusted returns.
2> What if I need funds for property or other purchases ?
FinEngg Capital provides you with a very liquid investment and a choice of interest and repayment on monthly, quarterly, semi-annual and annual basis. Thereby there are no worries about lockup. An investor can benefit from the higher relative returns as long as they wish to have their capital locked in (minimum term 1 month). FinEngg will be happy to assist with longer term investment advisory in matters of equity, equity derivatives, real estate and commodities.
3> Who is FinEngg Capital and how can I trust them with their money ?
FinEngg Capital promoters are graduates from Ivy League universities in the US and have extensive experience in trading with major investment banks in the US and Europe. The promoters also have a large portion of proprietary capital committed to the enterprise which has yielded superior returns through the turbulent times in 2007 and 2008. More details are on the website http://ondline.org/clients/finengg/index.html
4> What is the problem with keeping my money in a savings account in India ?
Both NRE/NRO and domestic savings accounts do not offer you rates greater than 9% and that too with a 1 year lock-up. In addition most high interest rate accounts usually require your money to be converted to Indian Rs in full to achieve the better rates. FinEngg has no such requirements and will be happy to offer you a selection of hedged and unhedged products which you can choose from based on your return and currency requirements.
5> What is the problem with keeping my money in a savings account in the UK ?
Savings accounts offer very low interest rates in the range of 0.25% - 3.0%. In addition, the pound sterling has proven to be a fairly weak currency with an outlook that continues to look weak and unstable in the long term. Unhedged savings accounts in the UK since early 2008 have lost value in the order of 25% (even with a 3% interest rate) purely due to currency depreciation. A hedged £ investment in FinEngg for 12 months starting Jan 2008 would have resulted in an avoidance of 20% currency depreciation and a interest return of 11.75% indicating a total return of 31.75% (as compared to -17% in the HSBC/Barclays £ savings account).

Next Steps :
1> Call or E-mail a FinEngg Capital financial advisor right away
Chandra Gopinathan Mobile : 44-7798630210 E-mail : c_gopinathan@yahoo.com
Nirmal Patel nirmal@finengg.com
Ameya Vartak ameya@finengg.com
2> Schedule an appointment or e-mail your queries. Please be sure to outline your investment requirements, parameters, horizon and currency of preference and FinEngg Capital will be happy to customize an investment plan for you.
3> If you are of Indian origin and are interested in converting your funds to Indian Rupees, an NRE/NRO account would need to be opened with a UK/US bank which FinEngg Capital can assist with.