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The Two Golden Rules of Safe Stock Investing

2.2 Second Golden rule- 'Buy at huge discounts, and Sell above MRP, for the best returns

Let us first understand what each of these terms means. MRP refers to the intrinsic value of the stock. Just as each product comes with an MRP, a stock also has an intrinsic value which is its true worth, derived from the financial performance of the company. At MoneyWorks4me, every stock comes with an MRP. The MRP is the logical sell-price for a stock because if the stock is above MRP, it means it is overvalued and the price is likely to fall.

Similar to normal discounts, a stock is said to be at discount when it is priced below the MRP. Hence you would ideally want to BUY a stock when it is below MRP. The more the stock is below MRP, the higher is the return you can get. Hence we say that the heftier the discount, the better are the profits you will make in the long term.

Of course, it is essential to define the minimum level of discount which is expected to get good returns. Hence we derive a ‘Discount Price’ by deducting the Margin of Safety from the MRP. Margin of Safety is the safety net you have to keep to ensure that you don’t suffer losses. The Margin of Safety is directly proportional to the inherent risk of investing in a company. Hence we keep the Margin of Safety higher for a risky company and lower for a risk-free company. The best situation would be if you could BUY a company which is well below Discount Price and SELL it well above MRP.

This price spectrum explains the relation between Current Market Price (CMP), Discount Price (DP) and MRP.

Thus to get the best returns in stock investing, we have to make sure we follow this Golden Rule – BUY the stock when it is below Discount Price and SELL when it goes above MRP.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

Fiduciary-first advisory model.
As SEBI-registered IAs, we are legally and ethically bound to act in the best interests of our clients. We do not sell or distribute any financial products. This ensures our guidance is 100% unbiased and conflict-free.
Deep fundamental research + robust valuation discipline.
Built on more than 15 years of equity research, our framework combines quality assessment, intrinsic value estimation, and a sensible margin-of-safety approach.
Process—not predictions.
We don’t rely on guesswork or market timing. Instead, we focus on asset allocation, risk management, and long-term compounding.
Technology + Human Intelligence.
We believe a combination of both is essential for investing success. We constantly innovate and upgrade in-house tools, financial X-rays, and portfolio analytics so that our team of analysts and advisors are equipped with the best.
Partner with Clients.
We follow a DIWM (Do-It-With-Me) approach where we partner clients in setting goals, financial planning, educating on our investing process and share decision-enabling resources transparently with our clients who retain control on execution.

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through:

Investing in stocks, mutual funds, debt, and gold
Quality-at-Reasonable-Price way of investing in stocks
Constructing Direct Stock Portfolios with Core, Booster, and Amplifier stocks
A Mutual Fund Portfolio that delivers consistent out-performance and meaningful diversification (low overlap)
Periodic review and rebalancing
Clear Buy-Sell-Hold, and Position-sizing frameworks

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The Two Golden Rules of Safe Stock Investing

2.2 Second Golden rule- 'Buy at huge discounts, and Sell above MRP, for the best returns

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Our Approach: Ensuring compounding work its magic on client portfolio.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.