Omega Builds a Multi-asset Portfolio

Direct Stocks
Omega builds your portfolio with fundamentally sound stocks when available at an attractive discount
from its fair value-MRP (valuation done by our Analyst). With Omega you invest in the best opportunities
from amongst the top stocks.
How does Omega do this?
Mutual Funds
Investing based on reported past performance is grossly inadequate. With Omega you have a better
way to select the sahi funds based on Portfolio Quality, Consistency of Performance and Future Upside Potential.
How does Omega do this?
Index Funds
Savvy investors value consistent market returns more than occasional over performance. And
performance to them means risk-adjusted returns. We recommend Index Funds when its Future
Upside Potential is attractive and actively managed MFs are unlikely to beat them convincingly.
How does Omega do this?
Debt Fund & Gold
Prudent asset allocation requires investment in Fixed Income assets and Gold. Since investment in
equity carries risk, our recommendations ensure this part of your folio carries very little risk while
earning returns that negate the effect of inflation and through Gold provide an insurance against
currency and other macro risks
How does Omega do this?

How it works

Smart Asset Allocation

    Superstar dashboard
      Asset allocation is the most important investment decision. Simply put it the answer to the question, "how much of my saving do I put in different asset classes so that I meet my goals without taking risks that can give me sleepless nights?".
      Traditionally asset allocation is done by first understanding your willingness and ability to handle risk. You will fit into one of the three categories- conservative, moderate or aggressive. The allocation to equity-debt is typically (in %) 40-60, 50-50 and 60-40 respectively. This is held constant and portfolios rebalanced to maintains this mix. This ensures the right emphasis is put on earning returns and the security needs of an investor.
      Omega starts with a core allocation but does not hold it constant for all levels of the market. Using Moneyworks4me's market level assessment Omega makes smart asset allocation changes. Omega decrease the allocation to equity when the market has clearly moved into higher levels thereby reducing portfolio risk/draw-downs when the market corrects. Similarly Omega increases allocation to equity when the markets become attractive. This ensures you are able to take advantage of lower equity prices.

Portfolio Alignment

    Ten year X ray
      This is required when you have an existing portfolio that you wish to now manage using Omega. Omega is designed to deliver a consistent compounded growth in the future without giving you sleepless nights. Thus as the name suggests your current portfolio needs to be aligned to Omega's investment strategy.
      This requires two things:
      1. Ensure the correct allocation to equity and debt i.e asset allocation's
      2. Retain the assets that are worth holding and replace the others with the best opportunities available currently.
      This is done through a discussion with our Investment Counselor.

Rebalance & Reshufle Portfolio

    Ten year X ray
      As explained, Omega does Smart Asset Allocation. When market movements alter the asset mix significantly it needs to be rebalanced to the desired equity-debt mix depending on your risk profile and the market level. This requires reshuffling i.e some assets are sold while others bought. Similarly you need to reshuffle the portfolio when the market makes some assets very expensive and/or throws up some new opportunities which you should act on. So how does Omega reshuffle your portfolio?
      Omega has access to all the data and expertise available within MoneyWorks4me. Omega compares risk-adjusted returns across assets and recommends the best at every stage. In case you wish to make some changes eg not act on a certain buy or sell recommendation, you can do this. Omega will take this into account and make a suitable recommendation (read Risk Management)

Risk Management

    Ten year X ray
      Omega make recommendations that are approved by Moneyworks4me Equity Analysts and suitable for your portfolio. So we expect you to follow most of the recommendations. However, Omega is built to be your trusted partner but not the final decision maker. You take the final decisions and act on it. Thus Omega provides you with some override facilities to change some specific recommendations or even chose to ignore/delay acting on it.
      However, as your trusted partner, Omega will do the following: 1. Provide you with an alternative if possible since not everything is black or white.
      2. Point out the consequences of your choice so that you take the decision knowing these.
      3. Repeat some recommendation to force you to reconsideration
      4. Record the recommendation, action and deviation in a report. Moneyworks4me will review portfolio that have multiple alerts and discuss the same with the investor either through mail or a telecall.

Expert Help

    Ten year X ray
      We are transferring more and more of our collective intelligence to Omega and onto our site so that you get more online. We also intend to build more features to help you get answers to your queries. However, you may have a number of queries especially in the beginning till you get accustomed to how Omega works and how to use it effectively. Our team of Investment Counselors are available to help you. Please call us during office hours or schedule a call.
      Customer with portfolio larger than 25 lacs have the facility to discuss their portfolio with our Equity Analyst twice a year. Customers with 50+lacs portfolio can talk to our analyst once every quarter. This ensures together we manage your portfolio and make your money work hard for you.

Portfolio Alignment

This is required when you have an existing portfolio that you wish to now manage using Omega. Omega is designed to deliver a consistent compounded growth in the future without giving you sleepless nights. Thus as the name suggests your current portfolio needs to be aligned to Omega's investment strategy.
    This requires two things:
  • 1. Ensure the correct allocation to equity and debt i.e asset allocation
  • 2. Retain the assets that are worth holding and replace the others with the best opportunities available currently.
    This is done through a discussion with our Investment Counselor.

Smart Asset Allocation

Asset allocation is the most important investment decision. Simply put it the answer to the question, "how much of my saving do I put in different asset classes so that I meet my goals without taking risks that can give me sleepless nights?".

Traditionally asset allocation is done by first understanding your willingness and ability to handle risk. You will fit into one of the three categories- conservative, moderate or aggressive. The allocation to equity-debt is typically (in %) 40-60, 50-50 and 60-40 respectively. This is held constant and portfolios rebalanced to maintains this mix. This ensures the right emphasis is put on earning returns and the security needs of an investor.
        Omega starts with a core allocation but does not hold it constant for all levels of the market. Using Moneyworks4me's market level assessment Omega makes smart asset allocation changes. Omega decrease the allocation to equity when the market has clearly moved into higher levels thereby reducing portfolio risk/draw-downs when the market corrects. Similarly Omega increases allocation to equity when the markets become attractive. This ensures you are able to take advantage of lower equity prices.

Rebalance & Reshuffle Portfolio

As explained, Omega does Smart Asset Allocation. When market movements alter the asset mix significantly it needs to be rebalanced to the desired equity-debt mix depending on your risk profile and the market level. This requires reshuffling i.e some assets are sold while others bought. Similarly you need to reshuffle the portfolio when the market makes some assets very expensive and/or throws up some new opportunities which you should act on. So how does Omega reshuffle your portfolio?


Omega has access to all the data and expertise available within MoneyWorks4me. Omega compares risk-adjusted returns across assets and recommends the best at every stage. In case you wish to make some changes eg not act on a certain buy or sell recommendation, you can do this. Omega will take this into account and make a suitable recommendation (read Risk Management)

Risk Management

Omega make recommendations that are approved by Moneyworks4me Equity Analysts and suitable for your portfolio. So we expect you to follow most of the recommendations. However, Omega is built to be your trusted partner but not the final decision maker. You take the final decisions and act on it. Thus Omega provides you with some override facilities to change some specific recommendations or even chose to ignore/delay acting on it.

However, as your trusted partner, Omega will do the following:
1. Provide you with an alternative if possible since not everything is black or white.
2. Point out the consequences of your choice so that you take the decision knowing these.
3. Repeat some recommendation to force you to reconsider
4. Record the recommendation, action and deviation in a report. Moneyworks4me will review portfolio that have multiple alerts and discuss the same with the investor either through mail or a telecall.

Expert Help

We are transferring more and more of our collective intelligence to Omega and onto our site so that you get more online. We also intend to build more features to help you get answers to your queries. However, you may have a number of queries especially in the beginning till you get accustomed to how Omega works and how to use it effectively. Our team of Investment Counselors are available to help you. Please call us during office hours or schedule a call.


Customer with portfolio larger than 25 lacs have the facility to discuss their portfolio with our Equity Analyst twice a year. Customers with 50+lacs portfolio can talk to our analyst once every quarter. This ensures together we manage your portfolio and make your money work hard for you.


Getting Started

Well begun is half done!

Subscribe and Risk Profiling

  • Subscribe for the portfolio size you have agreed with our Investment Counsellor.
  • Do a world-class risk profiling online, FinaMetrica. It help determine your asset allocation.

On-Boarding

  • Explain how to use Omega using screen sharing
  • Help upload your existing portfolio on our site
  • Help align your portfolio to deliver consistent risk-adjusted returns
  • Help complete the Investor Policy document

Omega goes Live

  • Omega tracks the market, and compares risk-adjusted returns across assets
  • It recommends rebalancing and reshuffling of your portfolio, when required. You see it on your Investment Action Page
  • You take actions and update your portfolio without delay

Review

  • Omega tracks recommendations, actions taken and deviations
  • Investment Counsellor will formally review your portfolio once every two months
  • With our Equity Analyst as per the plan

Getting Started

Well begun is half done!

Direct Stocks
Omega builds your portfolio with fundamentally sound stocks when available at an attractive discount
from its fair value-MRP (valuation done by our Analyst). With Omega you invest in the best opportunities
from amongst the top stocks.
How does Omega do this?
Mutual Funds
Investing based on reported past performance is grossly inadequate. With Omega you have a better
way to select the sahi funds based on Portfolio Quality, Consistency of Performance and Future Upside Potential.
How does Omega do this?
Index Funds
Savvy investors value consistent market returns more than occasional over performance. And
performance to them means risk-adjusted returns. We recommend Index Funds when its Future
Upside Potential is attractive and actively managed MFs are unlikely to beat them convincingly.
How does Omega do this?
Debt Fund & Gold
Prudent asset allocation requires investment in Fixed Income assets and Gold. Since investment in
equity carries risk, our recommendations ensure this part of your folio carries very little risk while
earning returns that negate the effect of inflation and through Gold provide an insurance against
currency and other macro risks
How does Omega do this?
2,15,000+
Registered Users
6,000+
Paid Subscribers

Proof of Performance


Disclaimer: The Proof of Performance seen here is based on the recommendations for stocks only, and
includes all stocks covered by MoneyWorks4me.
Our focus is on delivering absolute CAGR returns over the long term while managing risk at a level that ensures clients stay invested and benefits from it.
What does this mean? What does this mean?

PRICING

How much investable surplus do you have?


1 Year
3 Years




* Below 25Lac AUM only 3 years Plan available

What Customers Say


Frequently Asked Questions

Typically for corpus of less than 5 Crore, Equities, Debt and Gold are three broad asset classes suitable for investments. Your self-occupied house is not counted as an investment since it does not earn any returns. When your assets increase beyond 5 crore, you can consider Real Estate that you can rent and or sell to earn a return, as an additional asset to diversify your wealth.
If you are investing in Fixed /Recurring Deposit for about 5 years and more, then this is a reasonably good duration to invest in Equity. Investing in Equity will help you to beat inflation and grow your corpus for meeting your long term goals. MoneyWorks4me will help you build your portfolio with quality assets, diversify it and occasionally rotate assets based on upside and downside risk.
The MoneyWorks4me Way of Investing is to designed to ensure an investor reaches his financial goals by staying invested for long and earning a healthy risk-adjusted return.
We are anchored in estimating as best as possible the long term fair value of stocks based on fundamentals and using this knowledge intelligently to get in or move out of equity. This ensures an investor captures reasonable upside as well as protects downside; overall ensuring he doesn’t get out of equity at wrong times. In the end what matters is time spent in the market to compound the capital rather than chasing returns.
We have developed a unique measure Nifty@MRP and Sensex@MRP, which is a hypothetical value of the Nifty/Sensex if all the 50/30 stocks were fairly valued. We have analysed the actual movement of the market vis-à-vis Nifty@MRP and Sensex@MRP for more than 5 years (real time) and back-tested our hypothesis over more than a decade. This has enabled us to confidently assess whether the market is over-valued or under-valued at any point of time.
Based on opportunity we would recommend investing in:
  • 1. Liquid Fund
  • 2. Index Fund
  • 3. Select Quality Stocks
  • 4. Equity Mutual Funds
  • 5. Gold ETF
Liquid Fund is a category of mutual fund which primarily invests our funds in money market instruments like certificate of deposits, treasury bills, commercial papers and term deposits. Since all the above instruments are very liquid and short term assets, Liquid fund can be redeemed easily. It typically earn close to after-tax Fixed Deposit returns but more tax efficient if held for more than 3 years. Besides, it can redeemed without any penalty/pre-mature closure fee.
An index fund is a type of mutual fund with a portfolio of 50-80 stocks constructed to match or track the market index, such as Nifty 50 or MSCI 80. An index mutual fund is said to provide broad market exposure, low operating expenses and low portfolio turnover. This product can be used for tactical allocation if not many stocks are available at decent prices, thereby holding a diversified equity. Two popular index funds are listed on exchange R*Shares Nifty BEES & Junior BEES
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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8055769463