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.
The 10 YEAR X-RAY provides a snapshot of the past 10 years' performance of the company, on six vital financial parameters. It is not just raw data but also has the key growth rates along with three simple colour codes representing -
Consistently good performance - Green
Average performance - Orange
Below Average performance - Red
BoughtList
Enables user to check the real performance of existing stock investments and also allows him to set buy and sell triggers and actions for future investment decisions.
ComPeer
ComPeer is a special screening tool to choose the best companies amongst its peer companies in the same
sector, based on important criteria.
E-Learning
A series of multi-level interactive videos that work as a guide for investing - the safe way.
Evaluate
'Evaluate' consists of a set of tools which help find the real worth of a company and arrive at sensible
buy & sell prices for its shares. It also has a Price Calculator tool which gives our MRP and Discount Price
and an option for custom evaluation.
EvaluatedList
Helps the user keep track of the companies evaluated using the MoneyWorks4Me features. Here, user can see
the Fundamental Strength, MRP and Discount Price of all the companies evaluated, through a single table.
MoneyWorks4Me Assessment
Our assessment based on the data form the 10 YEAR X-RAY and Key Financial Ratios, based on either
standalone basis or consolidated basis, whichever is most relevant for this company.
MoneyWorks4Me Colour Coding
We give our assessment of the company's financial performance on key parameters in the form of colour
codes.
My Account
The 'My Account' section of our website enables the user manage personal and professional profile. The user
can view and edit the details of your account here. Users can also change their password here.
News
MoneyWorks4Me.com News keeps the user up to date with the latest happenings from the Market, the Corporate
World, Economy, Company Results, IPOs, etc.
Portfolio Managers
Helps the user manage his portfolio and maximise returns in the most effective way by using -
1) WatchList
2) BoughtList
3) EvaluatedList
Sector Reports
Detailed sector analysis covering its growth drivers, future prospects, concerns etc. in a simple,
jargon-free format.
Sensex @ MRP
Gives an indication whether the Sensex is fairly valued or whether irrationality is driving the markets. It
is the intrinsic value of Sensex determined primarily by the earnings of the Sensex companies.
Stock Investing Game
An interactive self-learning module teaches how to pick fundamentally sound stocks.
Stock Shastra
Blog/Newsletter based on the 'timeless principles of stock investing', rendered in an easy-to-understand
form.
Price Chart
An interactive chart which gives key indicators like Moving Average, that help understand the market trend
and decide the right time to BUY or SELL in the stock market.
WatchList
Gives a bird's eye view of all the companies the user wishes to track. The user can set the trigger price
and get price alerts when the trigger price is reached.
Your Assessment
Based on the user's interpretation of the 10 YEAR X-RAY of the company the user can also give his own
evaluation of that company's performance. As part of the 'Your Assessment' feature, user can also set your
own MRP and DP of the stock with the help of the Price Calculator.
Create stable, long-term investment portfolio with strong, consistent stocks.
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
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