Investment is a lot like Cricket.

Selecting the Right Team decides success!
Do you have the Right Players in your portfolio?

Know & Manage Your Risks for free

Manage risks to ensure you follow Rule No. 1 of Investing ...Never lose money!

...Some risks help you earn good risk-adjusted returns, manage them. Eliminate the rest!

Invest Successfully

Build and manage your portfolio with 4 Asset Classes

Investing in stocks of fundamentally sound companies, when they are available at a discount from their fair price (MRP), assures you of very good returns. Sell them only when market has priced them so high that future returns are likely to be low.

Investing in the ‘right’ Mutual Funds (MFs) enables you to earn high returns and diversify with ease. However, selecting the right MF is a challenge, because today’s best performers are unlikely to be tomorrow's winners. They come at a high cost, and hence, make sense only when they beat Index Funds.

Index Fund is a Mutual Fund whose portfolio mimics a particular index (e.g. SENSEX 30, Nifty 50). They are much cheaper than MFs. Index Funds will become more attractive, as MFs will find it difficult to beat the Index and justify their high costs.

Ensure Security! Equity always comes with risk. Ensure your security by allocating a portion of your Investable Surplus to low-risk fixed-income assets

  • Debt Funds: How much depends on your risk profile and the market levels
  • Gold ETF: As an insurance against risks not reduced by diversification


Do Smart Asset Allocation

Split your Investable Surplus between equity and debt based on your risk-profile and market levels. When market moves well above the fair value, reduce exposure to equity; and when market is at an attractive discount, increase investment in equity. This enhances your risk-adjusted returns!

Reshuffle Assets

When asset prices change significantly, there is a need to reshuffle your portfolio. Sell the asset that now offer a lower risk-adjusted return based on fundamentals, and buy into new opportunities.

Want advice on investing in stocks directly?

Ensure you get 3 things right!

Right Stocks

Know which stocks are investment-worthy: those which can be owned for a long time, and will give a healthy compounded growth. These would have performed consistently across the most important parameters over a 10-year period, thus showing the ability to manage results through tough economic cycles. Find out, if they also have a good long-term future prospect.

Right Price

Knowing the full and fair price (MRP)—not the target price—of a stock, based on its fundamentals, gives you the edge to act confidently, even when the markets is volatile. Use this price and a Margin of Safety to arrive at an attractive price to buy a stock. Similarly, sell a stock when it is well above its MRP.

Right Allocation

Build a diversified portfolio to reduce risk while enhancing returns. Know what is the maximum you can invest in a stock, when to enter and when to add, so that you can build a strong portfolio.

Why you should make us your Trusted Partner

Zero-conflict-of-Interest Portfolio Advisory. We do not earn any brokerages, commissions etc. from your investments. You can be 100% sure that our advice is based solely on how it will benefit you. We are registered with SEBI, Regd. No. INH000000719.

10 years of Equity Research. We follow a very systematic & robust approach for equity research. We have developed many tools like 10-Year X-ray, Maximum Retail Price (MRP)-Discount Price (DP), Nifty@MRP to help us provide right recommendations to Retail Investors.

Transparent and Collaborative: We provide simple-to-understand analysis. Our valuations since 2011 are visible online. While we provide the insights and recommendations, Customers are in control and take the final decisions.

Focus on Risk-adjusted Returns: We are constantly watching for opportunities that give higher risk-adjusted returns, and recommend rebalancing between equity and debt as well as reshuffling of assets based on this.

You can rely on us, like many of our Customers do, to make your investing—Safer, Smarter, and Simpler!

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Our Mission

Make investing Safe and Simple for Retail Investors

Raymond Moses
IIT Kanpur
Sreeram Thiagarajan
REC Trichy, IIM Ahmedabad

We never planned getting into this. Since 2000, we run a Business Consulting and Training company out of Pune. Thanks to a very bad experience of investing in MF and ULIPs using the services of an MNC bank in 2008, we decided on our mission to make wealth-creation thru' investing safe and simple for Retail Investors like us

It turned out to be more difficult than we imagined! Simple was not simple enough, and making equity-investing safe was like grappling with the ultimate paradox. Also, the markets went from deep despair to irrational euphoria...

We used this opportunity, for our advantage, to test our models. We have continuously evolved our models and products to suit individual Customers’ profiles & needs. Now, with intelligent solutions like Portfolio Manager (Free), Omega (Paid) and Superstars (Paid), we can truly say that we have made investing—Safer, Smarter, and Simpler!