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Part 3: Goals or What the heck is Financial Freedom in my case, exactly?
3.3 Make your Bucket List before you kick the bucket
Do you know what all you want to have and do in your lifetime? Is it just a vague idea or is it something more definite? How real is this in your mind, because that’s what decides whether it will happen or will instant gratification take over? Have you taken the first step to making it happen?
There are so many things to choose from that most people don’t know what they want in their life, want to own, to experience, before they die- kick the bucket. It’s like walking into a huge shopping mall without a clue of why you are there and what you want to buy and then you know what happens. When you leave the mall, you have a huge bill to pay on your credit card, loads of things you don’t have the place to keep nor the time to use; you’ve eaten some junk food, had some drinks and you can’t remember where you parked your car. In life the only difference is it f…… doesn’t matter where you parked the car because when you are done shopping you are departing in an ambulance if you are lucky.
We don’t want this to happen to us. So, we need to do a really simple thing. Make a shopping list. Since this is your ultimate shopping list before you kick the bucket, it’s called the Bucket List.
In this chapter you will be making your Bucket List. Relax, this list is first and foremost for yourself and you don’t need anyone’s approval for what you put on it. If you are planning to do this like a couple thing, I suggest you both make a list individually first and find a way to combine it. Planning for it happens latter.
Now, find a quiet place to read this chapter and make your list.
Core Bucket List: Doing these things will make you feel good about yourself. This contains all the things that you hold yourselves accountable for-the stuff we accept comes with the roles you play in your lives; call it duty to self and others if you wish. Here are some...........Read More
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.
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MoneyWorks4Me ensures this through:
Investing in stocks, mutual funds, debt, and gold
Quality-at-Reasonable-Price way of investing in stocks
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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
MoneyWorks4Me method for rating and ranking mutual funds for SIP
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:
Performance Consistency: This is measure based on whether the fund has beaten the benchmark index consistently. For
this we compare the 3-year rolling returns of the fund with the benchmark for a minimum of 5 years and preferable 10
years. The period of rolling is one month and holding period is 3 years. Fund are color-coded Green on Performance when
the fund beats the benchmark more than 90% of the time. It is Orange if it beats 80% to 90% of the time and Red if less
than 80%. Funds with less than 5 year data are color-coded Grey.
Quality of Portfolio Holding: Moneyworks4Me has color-coded stocks as Green, Orange and Red based on whether the
company's performance has generated a ROCE above a threshold level (cost of capital) over 10 years (minimum 6 years) and
generated positive Free Cash Flow. For Banks it checks whether ROE is greater than 15% and sales has grown over previous
year. Stocks that perform consistently on these combined metrics are color-coded Green (min score 14 out of 20), Orange
(between 8 and 14) and Red (less than 8 out of 20).
Fund are color-coded Green provided the portfolio has 70% holding in Green stocks but not more than 20% in Red stocks.
Funds with more than 20% Red stocks in the portfolio are color-coded Red. The rest are Orange funds
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.
Make an informed decision for Stocks
Invest using an intelligent system with powerful data-driven tools that help you identify opportunities and make informed buy-hold-sell decisions
You can make an informed decision based on:
Q : Quality :- Q Very Good
Q Somewhat Good
Q Not Good
V : Valuation:- V+UnderValued (UV) V Somewhat UV
V Fair Value
V Somewhat OV
V+ OverValued (OV)
Buy quality Stocks when they are available at reasonable prices and supported by an upward price trend and Sell when they are Overvalued using the Decizen Rating System. Covers 3500+ stocks
Make an informed decision for Funds
You can make an informed decision based on:
P : Performance (%)* 14 Very Good
14 Somewhat Good
12 Not Good
Less than 5 year data
Q : Quality of Holding Q Very Good
Q Somewhat Good
Q Not Good
*Color code for outperformance consistency
*Number is average 3 year rolling returns
×
PROPRIETARY FRAMEWORK
Portfolio Architecture > Stock Picking.
Stop managing a collection of "tips." Access the ABC Framework to build a portfolio that survives cycles and compounds wealth.
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Our Sapphire Advisory uses the ABC Concept to ensure you never have to panic during a market correction.
A
Core Stocks
STABILITY
B
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