Omega Portfolio Advisory Service

Starting and leading a Research and Investment Advisory firm was not part of my career or business plans to begin with. But when I look back, I can see very clearly how everything I have done in the last 40+ years makes this right. I am thrilled it has worked out this way.

My focus and expertise have always been to understand what is required for a business to succeed; the templates and models common to successful businesses and companies. With MoneyWorks4Me, in the last 15+ years, my team and I have stress-tested potential candidates to identify the investment-worthy stocks that are most likely to deliver healthy-high, consistent returns.

The first part has been a journey of 40+ years that has spanned graduating with Chemical Engineering from IIT Kanpur, working in Hindustan Unilever (Management Trainee & Production) and Castrol (Sales & Marketing), The Alchemists Ark (Business Consulting, Training, e-learning), and finally MoneyWorks4Me.

My five years at IIT Kanpur helped me become a good engineer. It made me extremely good with numbers, most of all at interpreting them objectively. As a Chemical Engineer I learnt how to handle complex reality through good models that you continuously improve and make more reliable.

My first job was as Management Trainee and then a Production Manager at Hindustan Lever in Kolkata and Haldia. I learnt the ropes of how to run a factory efficiently.

My second job was in Sales and Marketing at Castrol. I worked there for 11 years in the Western and Southern Regions in Sales Management roles in both B2C and B2B, before moving to a National Marketing role. Castrol provided me the opportunity to learn first-hand how to profitably grow a company multi-fold through the power of Products, Brands, Distribution, Channel advocacy, and People.

I have worked closely with the automobile companies from two wheelers to heavy earth moving equipment, franchised dealerships, non-franchised mechanics and garages, transporters, fleet operators and contractors using earth moving equipment. Thanks to Castrol's strong B2B business, I have worked closely with the best manufacturing companies and general industries in India.

The third part of my journey was consulting and training market leading companies on Sales and Distribution. The table below is a list of companies we have worked with, usually with the entire team - MD, Head of Sales & Marketing, Sales Managers, Front line Sales and Dealership and Distributor teams.

In 2009 we invested in a company that made pellets from bio-mass, agri-residues and stoves that ensured it burn efficiently without indoor pollution. As these were sold to restaurants and caterers I had the opportunity to understand this industry closely. We disinvested in 2015.

Running MoneyWorks4Me has helped me developed a better understanding of the Broking, Wealth Management, AMC, and Digital Businesses.

In the last 15 years of building and managing MoneyWorks4Me, our team of equity research and I have analysed, evaluated, tracked, and re-evaluated a couple of hundred companies. I have been able to put my years of experience to good use to ensure we select the best companies to invest in and continuously improve on this.

When Direct Plans of Mutual Funds became available, I became comfortable about recommending them. We had to go through the learning curve of how to invest in mutual funds with and without a Direct Stock Portfolio. We also brought our insight on stocks to better analyze and recommend funds and create unique and valuable fund pages.

However, we learnt that good research and communication was not sufficient to ensure clients succeed in investing. Clients needed more - a behavioural edge. My years in consulting, training, my enduring passion for self-development and actualization helped me work with our clients and discover how investors can develop this behavioural edge.

I have always been aware that not having enough money is a problem (grew up in a middle-class family in the 60s and 70s). However, that can be solved by a job, practice, or a business and by investing successfully. The bigger problem is what do you do when you have or can see that will have enough money in the future. Answering this is crucial to achieving Financial Freedom and more. I have captured my experience and thoughts in my book, How the Heck to Invest and Reach Nirvana; A 5-Step Journey to Financial Freedom.

Jeet Shah

Equity Research Analyst

I am an MBA graduate in Finance from FLAME University, where I received double gold medals for academic performance and extracurricular activities. With over six years of experience at leading firms including Axis Capital, IIFL Securities, and Motilal Oswal, I have held roles such as sell-side equity research analyst, investment advisor, and sub-broker. However, my education in equity investing started much earlier.

Currently, I lead a team of research analysts at MoneyWorks4Me. Our approach promotes patience, focus on relevant signals, long-term thinking, transparency, and comfort with contrarian views. Our investing process is anchored in knowing our circle of competence, having a margin of safety and healthy realization of biases. I hone my decision making processes by following multidisciplinary approach and thinking in first principles.

I am driven by curiosity and a sense of reflection and humility. I am also an avid reader on investing, psychology, and history.

I was lucky to get interested in the stock market since I was in secondary school. My father, a lawyer has been investing since 1992, so our dinner table conversations often revolved around financial markets. During such conversations, I realized that stocks represented more than just a means to make money; they were about the underlying businesses that are the lifeblood and drivers of every economy.

I learned the basics during summer vacations spent at my father's office. While pursuing my Bachelor’s degree at Garware College (Pune University), I began to devote structured time to studying equity investing and passed the required NISM exams. Afterwards, I spent two years working as a sub-broker at Motilal Oswal Securities, where I gained hands-on experience in executing trades, reporting, compliance, and dealing with both retail and HNI clients.

Eager to learn more, I decided to pursue an MBA in finance. Flame University provided a great platform, especially the FLAME Investment Lab—an initiative that strives to teach the concepts and decipher the art of value investing. I earned double gold medals, one for academic achievement and another for extracurricular activities.

Having gained the necessary qualifications, I worked with Axis Capital as a sell-side equity analyst, covering the media, logistics, and chemical sectors. This proved to be a great start. I developed a rigor for in-depth analysis of financial statements, creating financial models, using databases (Bloomberg, ACE-Equity), and interacting with all stakeholders. I even worked on few IPOs acquiring domain knowledge. My next stint was with Pune E Stock Broking as an investment advisor, where I doubled the AUM to over Rs 5 Cr and developed fluency across asset classes.

Apart from reading, I have been a license holder and organized as well as hosted Tedx events. I enjoy Tedx as it is one of the platforms where I get to interact with people from all disciplines and learn from them.

Atharva Bhide

Investment Adviser

I am BE in Production Engineering and a CFA charter holder from the CFA Institute, USA. I have over 7 years' experience in mutual fund distribution, stock broking and investment advisory.

As Manager-Investment Advisory at MoneyWorks4Me, I lead a team of advisors to partner our clients. Our approach of partnering with clients makes my job one of the most satisfying jobs possible. I work with business owners, corporate leaders, senior managers, skilled professionals, CAs and doctors on building generational wealth and financial freedom. This comes naturally to me because I grew up witnessing my family prudently managing their investments, which they did over five decades. I understand the wisdom in what I read somewhere “Be the first Millionaire in your family, but make sure you are not the last” - Anonymous

A second source of joy at work is the ease with which my clients and I have meaningful discussions on the finer points of investing in stocks and mutual funds. This is possible as we both have access to same amazing analysis and tools. And as I work closely with our Research team, I have access to their insights which enhances my conviction in what I advise my clients.

A key reason we are able to forge a lasting partnership with our clients is because we not only share a common goal of increasing their wealth but also the role of being the Custodian of their family's wealth. This makes it easy to work with each other. My likes beyond investing include adventure camping, road trips and listening to Indian classical music. And I think I am a reasonably good cook too!

Rupesh Raj

Manager - Client Success

I am a PGDM in Finance with over 8 years of experience throughout with MoneyWorks4Me. I manage the team of Investment Counselors and Advisers who guide clients to invest successfully in equity.

My team's focus is to enable client have a sustainable behavioral edge so that they grow their savings safely through compounding. What keeps me motivated is that investing in equity enables me and my clients achieve financial freedom earlier than we think and that too without losing sleep. I am restless when clients face difficulties, their struggles are mine till they are resolved satisfactorily. I strongly believe in India's bright future and that investing in Indian equities will create wealth. I am thrilled to partner our clients on this journey.

Ketan Pitrubhakta

Equity Research Analyst, CA

I am a Chartered Accountant and CFA Level 2 Candidate. While studying for CA, my interest in equities was triggered by my Professor Abhishek Zaware. I went through Aswath Damodaran's lecture series and that sealed my decision to pursue career in Equity Research. This brought me to MoneyWorks4Me where focusing on the company's performance which is the ultimate driver of a stock's performance and ignoring short term noise is sacrosanct.

I cover Auto, IT & Financial Services companies. I look for companies with robust business models and strong industry tailwinds to be comfortable to recommend holding them for long, even decades. In my leisure time, I enjoy reading non-fiction books and playing badminton.

Yog Rajani

Equity Research Analyst

I caught the bug of investing in stocks early in bring in experience from esteemed investment firms such as SageOne Investment Managers and Oaklane Capital Management. I hold a BBA in Finance with First Class Distinction from Savitribai Phule Pune University. Outside of my professional endeavors, I am an avid reader of philosophy, a wildlife enthusiast, and a passionate writer. My diverse interests complement my dedication to excellence in finance.

Mukta Vaze

Investment Advisor

I am a Certified Financial Planner and MBA graduate. My journey with Moneyworks4me began in 2017.

My role to build enduring relationships with our subscribers and ensure they achieve success. Towards this I work with them on their financial planning, portfolio construction and then implementing what has been agreed so that they achieve their financial goals.

What guides and drives me is to respect and honor the trust people place on us and to be able to do and get done what is required for their success.

While Investment Advising is relatively new, it's heartening to see the growing interest in financial planning and investing in equity, including women. I'm excited to be a part of this and making a positive impact.

Beyond my professional pursuits, I enjoy Drawing, Travelling, Photography, Practicing Yoga, and cooking for my family and friends!