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Make your money work harder for you.
Why MoneyWorks4me - Fiduciary | Transparent | Multi-asset | Tech-assisted
SEBI registered: Investment Adviser - INA000013323 | Research Analyst - INH000000719
Make your money work harder for you.
A little Planning can make a lot happen
You can reach your goals even with moderate returns by staying invested.
Find
- The future cost of your goals
- Monthly investment required
- How to allocate your current lumpsum
- Recommended investment in Debt & Equity
Total SIP ₹ 42,347
Equity ₹ 31,627
Debt ₹ 10,720
Lumpsum Allocated ₹ 15,00,000
Equity ₹ 7,50,000
Debt ₹ 7,50,000
"Let your Financial Goals guide your Investments; not your fears nor your obsession for high returns and you will find that even with moderate returns you can reach your goals"
Stay invested and grow your wealth for long…really long.
Real-time Customized Portfolio Advice
Smart Asset Allocation and Portfolio Re-balancing
"High risk-high returns strategy is a roller coaster ride , where nearly everyone pushes the eject button almost always at the bottom and way before the ride is over."
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
Omega is MoneyWorks4me's Tech-assisted Multi-asset, Portfolio Advisory Solution .
Invest in quality stocks with future upside potential
Knowing the stock’s MRP enables us to spot and exploit opportunities:
When Mr. Market is bearish he offers high quality stock below/close to its fair value
Mr. Market over-reacts to short term problems and offers stock at attractively low prices
It's fair value based on the long term.
"Opportunity come knocking at the door, however it knocks very softly. We are either too busy listening to something else or too full of self doubt to open the door."
MoneyWorks4me's MRP and DP enables you to be greedy when others are fearful and fearful when others are greedy.
Invest in Mutual Funds the 'Sahi' way
Check Potential Upside and Diversification before Investing
Potential Upside
Diversify across Process
Make your monthly saving work harder for you… with SmartSIP:
Invest in a set of funds that are diversified across Process and collectively have a good potential upside
"Stop investing in mutual fund based on past returns’ We don’t drive a car looking at the rear view mirror just because the windscreen is dirty and hazy. We get out and clean the windscreen."
Manage Your Wealth as One Portfolio as HNIs do
See combine view accross all asset classes
One Portfolio View
- Allocation across Assets
- See-through portfolio on equity
- Check if a MF is Sahi for you
Tools to Identify and manage Risks
Putting all or most of your investable surplus in the equity basket exposes you to high risk and putting too much in safe, fixed-income asset reduces your returns drastically.
Companies in the same sector are likely to be impacted by the same economic factors. Large exposure to a single sector, or correlated sectors, could result in a drastic fall in your portfolio market value.
A stock is exposed to several company-specific risks, (business, balance sheet, valuation or people risk.) A 20% drop in a stock comprising 20% of your portfolio reduces your absolute returns by 4%.
While some smaller cap companies have potential of high returns, most come with high risks. Many have weak business models and are badly hit by economic or business downturns, and can erode your wealth!
Companies with poor fundamentals and weak business models can not deliver consistent and sustainable profitable growth.
If over-priced stocks form a large portion of your portfolio, a price-correction will reduce your portfolio value substantially.
Low-trading Assets have very few buyers. So, one cannot sell it, when needed without compromising on prices.
"Wealth creation is not a fill-it and forget-it activity. It's like filing an earthen pot where it's not enough to add water.You need to plug leaks if it has to fill up and stay full"
Become a better investor as you invest
Everything seems difficult till someone explains it
Not just data. An entire site designed to help you get better at investing. See decision-enabling information and a special Bole Toh tooltip that interprets it in simple English.
Don’t leave any doubt unanswered, just Ask Us Befikar
- Chat
- Call back
- Demo
InvestmentShastra is the space to learn the fundamentals of how to Invest. You will find easy-to-read blogs and videos.
- Plan & Prepare
- Stock Investing
- Portfolio Management
- Mutual Funds Investing
"Learning how to Invest will earn you rich dividends over your entire investing life, which may be a few decades."
Why MoneyWorks4me - Fiduciary | Transparent | Multi-asset | Tech-assisted
SEBI registered: Investment Adviser - INA000013323 | Research Analyst - INH000000719