Raymond Moses

SEBI Reg. Investment Advisor

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Raymond Moses

Founder- Moneyworks4me, has over 36 years of experience. After graduating from IIT Kanpur in 1983, he worked with Hindustan Unilever and Castrol. He is the Founding Director of The Alchemist's Ark-a business consulting, training and e-learning company with many market-leading companies as clients. Since starting Moneyworks4me in 2008, he has worked to make investing advice effective, transparent, simple and accessible to Retail Investors.

Why Moneyworks4me Superstars is the Ultimate DIY Investing Solution

Oct 22,2024 10 min read

Do you have a strong Core Portfolio to ride the Bull Market?

Jun 22,2024 3 min read

How to find Consistent Value-creating Companies

May 24,2024 3 min read

The Quality at Reasonable Price Way of Investing

May 16,2024 3 min read

Process, the essential ingredient for investing success

Apr 25,2024 3 min read

The Art of Informed Selling

Apr 10,2024 4 min read

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.

Our Vision

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

Raymond Moses

Why Moneyworks4me Superstars is the Ultimate DIY Investing Solution

Do you have a strong Core Portfolio to ride the Bull Market?

How to find Consistent Value-creating Companies

The Quality at Reasonable Price Way of Investing

Process, the essential ingredient for investing success

The Art of Informed Selling

Transforming Time into Money Without the Daily Grind and Stress

Your reluctance to investing substantially in equity is costing you one heck of a lot

Bridging the Knowing-Doing Gap is Everything in Investing

Why should you invest in Debt Funds despite lower returns than equity?

The Most Important criterion for selecting a Mutual Fund for SIPs

Identifying Top-class Funds for your SIP the Sahi Way

The Key to Unlocking Success in Stock Investing: Keeping It Simple

Key to investing successfully – Protect yourself from your Opinions

Key to Investing Successfully – Protect yourself with a BS Detector

Systematic Investing in stocks is now Super Easy

The Ultimate Guide to Investing in Stocks

How to Invest in Quality Large-cap and Blue-chip Stocks?

7 Mistakes to Avoid In Bull Market

Why Stock Investment Needs to Be An Informed Decision and Not a Blindfold Bet!

Why should you use SEBI Registered Investment Advisors?

Want to succeed in stock investing; ensure your first step is right

Achieving Financial Freedom: A Step-by-Step Guide to Managing your Money

25 Frequently Used Stock Market Terms Investors Should Know

Avoid These 5 Common Investment Mistakes While Investing

How to Invest in Stocks — The Complete Beginner’s Guide to Stock Market Investments

The Formula for Growing Wealth and what it tells us about Investing

Know what you need and want in your life and plan for it

About MoneyWorks4Me

Our Vision

What Makes MoneyWorks4Me Different

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
Brand Logo:
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.