Partner with our Investment Adviser to Create and Successfully Implement a personalized financial plan & investment strategy to achieve Financial Freedom
Your advisor takes time to understand your needs and finances, now and in the future, to ensure your investing serves you better and you derive the highest benefit from MoneyWorks4me knowledge, expertise and assets to reach your goals.
You are fully equipped with knowledge, information, our insights, tools and recommendations through our Platform to make informed decisions in real time and collaborate effectively with our Investment Advisor.
Our collaborative approach helps builds your understanding and conviction in the investing decisions and in the way of investing. You make even larger investments and stay invested to enjoy the benefits of long-term compounding.
You become a more savvy investor making the collaboration more effective and thus delivers even better results.
You get the multiplier effect of Technology and Human Intelligence working synergistically for you. You get better, customised recommendations, are better informed, have transparency and can handle volatility far better.
Resulting in you being fully invested and staying invested, allowing your money to compound at a healthy-high rate till your reach your goals.
Asset allocation is the most important investment decision since it ensures the right emphasis is put on earning returns across market cycles and the security needs of an investor.
Build with Quality at Reasonable Price Process from 200+ best stocks.
Diversify across Process - Best Momentum, Value, Quality and Small cap funds with an inflation-beating Upside Potential.
Add safe assets based on asset allocation to manage volatility in equity and hedge against unexpected ways.
Everything to Invest Successfully
When we find a new worth covering stocks under our coverage, we introduce the same under our research and track it for you.
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.
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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