Compounding creates wealth when the combined power of good research and
productive investing behaviour works on your net worth.
Wealth = Net Worth NW x (1+Research Edge) Behavioral EdgeBE NW = Net Worth,
BE = Behavioral Edge

Investors and Advisers must Partner as Equals to realize peak compounding benefits

“The Do-it-Yourself and Leave-it-to-Experts ways of investing are inherently unsuited to unleashing the synergy between research and behavioral edges, making wealth creation difficult for most investors.”

- Raymond Moses
Founder & CEO, MoneyWorks4Me
Author, "How the Heck to Invest and Reach Nirvana?"

Investors want to retain control, desire higher level of involvement in decision-making, and also value assistance in becoming more informed.


Approach Control Expertise Effort Involvement in
Decisions
Do-it-Yourself (DIY) High NA
Leave-it-to-Experts Low
Partner-with-Experts Medium
Win-Win-Partnership

We are commited to a win-win partnership with Investors

MoneyWorks4Me since inception 15+ years ago has always been fiduciary research and advisory firm focussed on ensuring individual investors succeed.

Over the last 7+years we have honed the Partner-with-Expert way of investing and crafted the resources to provide you with the research and behavioural edge to make the wealth compounding formula work for you at peak levels.

How do we ensure a successful Investor-Adviser partnership?

Our Partnership Framework is designed for Success


partnership-framework

How we walk-the-talk of Partnership


Fiduciary

Fiduciary

We are zero-conflict-of-interest, SEBI-registered Investment Advisers.

Commitment

Commitment

Setting Goals and Financial Planning is a sacred act which makes us partners in your journey to achieve your dreams.

Creator & Custodians of Wealth

Creator & Custodians of Wealth

Both you and us are accountable to grow and preserve your wealth.

Accessibility & Transparency

Accessibility & Transparency

We share our decision-making process, provide you access to our platform and encourage you to talk to us.

improvements

Continuous Learning & Improvement

High quality interactions with clients ensure we learn faster and so do you.

Skin-in-the-game

Skin in the Game

Our personal investments closely mirror our recommendations.

Financial Planning & Asset Allocation

The Blueprint to achieve your Financial Goals

  • We work with you and do your financial planning using our unique online Financial Planning Tool. It is a critical document that guides our partnership and enables us to take informed decisions.
    1. Allocation to equity and debt, overall and for each goal
    2. Most efficient deployment of your current surplus to different goals
    3. The minimum total monthly investments required and the split between equity and debt
  • The plan is reviewed and kept up-to-date.

Stock Investing Process

Quality-at-Reasonable-Price Way of Investing

We exclusively recommend high quality companies to minimize risk while earning attractively high compounding returns. Compounding is enhanced by buying high quality companies at reasonable prices. We provide researched-backed cues for quality and reasonableness of price to enable investors make informed decisions confidently.

Identify Quality Companies

We consider high quality companies to be those that have superior business positioning through market share, differentiation, costs and/or strategies that have resulted in consistent historical profits and are likely to deliver superior results in the future. We select companies with:

  1. Superior Metrics: Consistently high ROCEs and Free Cash Flows, Sales, and Profit growth.
  2. Moats: Competitive advantages
  3. Trustworthy Management and Promoters.

Assess Reasonable Price

We estimate the Maximum Retail Price (MRP) for the top Indian companies and track their performance on the key parameters/assumptions that are key to its valuation. We use this fair value estimate as an anchor for making buy, hold and sell decisions.

We don't claim our Maximum Retail Price to be accurate but reflects the price at which we believe that an investor can make significant returns on their investment.

We track companies for extensive periods, sometimes more than a decade, and review our fair value estimates based on the performance of the company and our analysis of the future.

Build & Manage Portfolio

We build a diversified portfolio of about 25 stocks. We categorize stocks as Core - Resilient and robust companies, usually large, that steadily compound through cycles and upheavals. Booster - smaller companies that are strong, niche, with good execution track records that can convert high growth potential into profits, and Amplifiers - Investment opportunities that transcend conventional categorization. Read More

We recommend selling Core stocks only when we are convinced the business is no longer as robust as we thought and rarely on price run-up. We may recommend selling Booster stocks when the likely upside potential, CAGR, over 5 years falls significantly lower than 6%. This ensures good portfolio returns and lower volatility.

MF Investing Process

Value-adding Portfolio of Consistently Outperforming Funds

We build portfolios by selecting a set of funds that are different from each other and from our client's Direct Stocks portfolio. All our recommendations have a track record of consistently outperforming their benchmark. Every fund selected has a clear role to play in our client's portfolio to create a well-diversified see-through portfolio of Core and Booster stocks across sectors.

A set of funds that is different from your Direct Stocks portfolio and from each other

We help our clients select the mix of Direct stocks and Mutual Funds. We build our client's Direct Stock portfolio first. This brings high quality robust and resilient large cap stocks and select mid and small cap stocks into our client's portfolio without paying high fund-management fees. We then recommend Direct Plans of mutual funds that complement this portfolio. We recommend a set of funds that are different from each other in the categories relevant to our client's portfolio.

Invest in the Best Consistent Outperformers relevant for your portfolio

Within a particular category we shortlist funds that have a track record of consistently outperforming their benchmark index on a 3-year rolling basis. From amongst these we recommend the fund with a high 3-year average rolling return and low variability that suits our client's portfolio. We check portfolio composition and sector mix to ensure the fund adds unique value instead of increasing weightage to existing investments.

Avoid investing lump sum when the upside potential is unattractive

We avoid investing lumpsum in funds that have a low upside potential over a 3-to-5-year horizon. This is crucial when investing in smallcap funds which could stagnate after a massive run-up. We assess the upside potential of funds based on its portfolio of stocks on a real time basis to enable us to make informed decisions.

Debt & Gold

Debt Funds: Invest in safe and secure Fixed Income assets to fund your goals that mature in less than 5 years. Invest to protect capital, counter inflation and not to maximize returns.
Gold: Invest 5%-10% of your networth in Physical Gold, ETFs, Sovereign Gold bonds, and ornaments. Gold is hedge against inflation, currency and contagion risks.

MoneyWorks4Me Omega

Partnering you to invest successfully and reach goals

Steps in implementing Omega


Creator & Custodians of Wealth step 1

Onboarding

  • Agreement
  • Risk Profiling
  • Uploading Portfolio
  • Demo
Accessibility & Transparency step 2

Financial Planning, Portfolio Alignment

  • Detailed Financial Planning
  • Asset allocation
  • Portfolio Analysis and Recommendations
  • Agreement on portfolio under Omega
Creator & Custodians of Wealth step 3

Build and Manage the Portfolio

  • Recommendations for buying new opportunities to deploy cash in Omega portfolio and selling based on Analysts calls and your portfolio
  • You take actions and update your portfolio
Creator & Custodians of Wealth step 4

Review & Rebalance

With Adviser based on agreed frequency

  • Review performance & agree on any changes
  • Rebalance if required

Update Adviser on any significant changes in your context as and when it happens

Omega Your Partner in Compounding Successfully

We would have loved to show you how well Omega has performed for our Clients. Here are a few testimonials of our Omega Clients on their experience of partnering with us.

And more when you talk to us.

Talk to us Now! Talk to us Now! Schedule Consultation Call

When you’ll say “Money Works for Me”,
that’s when we'll say, “We are Successful”.

Let’s start!

Schedule Consultation Call
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Trusted By

Registered-users
275+
Active Omega Subscribers
Paid-subscribers
309+Cr
Omega Assets Under Advice
Renewal Rate
1.12 Cr
Average Portfolio Size
Our mission
Partner 1 million Indians to invest successfully and reach their goals!

FAQ's


An investment advisor offers you advice regarding investing your money and helps you manage it to meet your financial goals. Investment advisors are fiduciary i.e. always act in your best interest. They cannot earn any commissions, brokerage, etc, from your investments but can charge you fees. This ensures they do not have any conflict of interest.

Investment advisors understand your financial needs and risk-taking ability to recommend how much you should invest in different asset classes like equity, debt, gold etc-asset allocation. Depending on their expertise, they guide you to make specific investments e.g. stocks, mutual funds, debt funds, etc. They also handhold you through the ups and downs of the market to ensure you stay invested in the right assets and meet your financial goals.

Everyone needs some investment advice. However, investment advisory services come at a cost and hence are recommended for investors who have a sizable investment amount (say >20 lacs) and want to grow it at a rate higher than FD/inflation. This requires them to make investments in asset classes like equity which can earn substantially higher returns but comes with higher risks.

Such investors can benefit from the services of an investment advisor who can help minimise mistakes and avail of opportunities to earn higher returns by managing risks at a level that ensures you stay invested.

The risk profile of an individual indicates their ability and willingness to take risks. The purpose of risk profiling is to ensure a suitable asset allocation that helps the investor stay invested by managing the risk at a level that does not cause them to panic and exit in the event of a market correction.

An investor's ability to take risk depends on his/her income, expenses, age, responsibilities, total net worth, etc. Their willingness to take risks is determined by their temperament, how much risk or loss they are able to handle beyond which they are likely to take irrational decisions out of fear or inability to handle the pain and discomfort.

You can find out your risk profile here.

Asset allocation refers to the process whereby you divide your investable surplus among various types of investments such as stocks, mutual funds, debt funds, gold etc., in specific proportions that are in line with your risk profile, future financial goals, and current financial situation. Ideally, asset allocation should be done in a way that helps you meet your goals with a good balance between earning high returns while managing risks at an acceptable level as indicated by your risk profile.

An investment adviser (IA) works as your consultant, does your financial planning and advises you on what to invest in. An IA being fiduciary cannot earn any commissions on the investments that you make on his advice through brokerage and/or mutual fund commissions. On the other hand, a broker provides you the facility to buy and sell securities and earn a brokerage or commissions on each buy or sell transaction. The key distinction is that advisers provide advice that must always act in their client's best interest, whereas brokers put out research reports etc, which must be used with caution as they earn commissions on transactions that may arise from their recommendations, and there is a conflict of interest.

A Registered Investment Advisor (RIA) is a professional or company that is registered with SEBI and provides investment advice. RIA are required to follow all the regulation set by SEBI.

It is certainly worth paying for investment advice as it enables you to manage your investment with professional help. Your aim is to make your money work harder and grow well to meet your financial goals. This requires investing in assets like stocks and mutual funds which can earn returns that are significantly higher than inflation. However, they come with risks that you need to manage. This requires indepth knowledge, skill, tools and experience which is what you pay for. However, choosing the right RIA and working closely with them is required to get your money’s worth.

RIAs by regulations are not permitted to directly or indirectly promise or create a returns expectation. And returns without understanding accompanying risk is incomplete. The right perspective to working with an RIA is to create a financial plan and manage your investing to achieve it through the power of compounding. The plan and your risk profile determine asset allocation and the rate of compounding required. You should work with your investment adviser to assess what investment strategy is suitable for you and what returns you could expect to earn from it.

Partner with Expert Advisor and Start Building Wealth!

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