We have helped clients successfully navigate the 2013 taper tantrum, the mid and small cap boom and bust, multiple geopolitical events, policy changes, the 2020 covid-19 crash and many such events
"I had an excellent experience working with Moneyworks4me Their in-depth research and thorough understanding of the market helped me make well-informed decisions aligned with my goals. They took the time to explain complex financial concepts in a simple, clear manner. I appreciated their prompt responses, personalized service, and genuine interest in my financial well-being. They regularly reviewed my portfolio and proactively suggested improvements. Overall, their professionalism and attention to detail gave me great confidence in my financial planning."
Markets are difficult not because they lack information, but because they amplify human emotion. Overconfidence, fear, and greed are the landmines on the road to wealth.
Sapphire is a discipline-focused subscription plan from MoneyWorks4Me. It uses the same proven research system as our high-net-worth Omega solution.
It allows you to start early, start correctly, and eventually grow into a full advisory partnership when your portfolio scale justifies it.
Every stock we recommend must pass our rigorous Quality-at-Reasonable-Price selection and valuation criteria. And the portfolio is designed to perform through economic and market cycles.
We exclusively recommend high-quality companies with the objective of minimizing risk and aiming for long-term wealth creation through the power of compounding. Compounding is enhanced by buying high-quality companies at reasonable prices. We provide research-backed cues for assessing quality and the reasonableness of price, enabling investors to make informed decisions confidently
We build a diversified/ concentrated portfolio of about 25/ 16 stocks. We categorize stocks as Core - Resilient and robust companies, usually large, that steadily compound through cycles and upheavals. Booster - smaller companies that are strong, niche, with good execution track records that can convert high growth potential into profits, and Amplifiers - Investment opportunities that transcend conventional categorization.
We recommend selling Core stocks only when we are convinced the business is no longer as robust as we thought and rarely on price run-up. We may recommend selling Booster stocks when the likely upside potential, CAGR, over 5 years falls significantly lower than 6%. This ensures good portfolio returns and lower volatility
The Investment Thesis:
While the sector is facing headwinds, XXXX Ltd has zero debt and holds ₹400Cr in cash. With new capacity live in Q3, operating leverage will kick in. The market is pricing it at 12x PE, while historical average is 18x...
Compounding is enhanced by buying high quality companies at reasonable prices.
The business is great, but the price has run ahead of its long-term intrinsic value.
Fundamentals deteriorating or valuation is absurd. We exit to protect capital.
Investing should be simple, but the research is complex. We run every stock through our proprietary Framework to do the hard work for you.
The result isn't a 50-page report you won't read. It's a simple, actionable and tells you exactly what to Buy, Hold, or Sell and How Much to allocate to each.
Instant access to active recommendations. Mandatory Risk Profiling post-payment.
This exclusive, fee-only AUM-based model is designed for High Net Worth Individuals requiring a fully customized, actively managed strategy aligned with long-term wealth preservation and growth goals.
Our Flagship plan includes access to exclusive, proprietary tools and educational content designed to empower you to monitor and manage your portfolio with institutional rigor.
Your one-stop screen to Monitor, Buy, Sell, or Hold all Sapphire stocks. Get instant one-click access to the full, in-depth research reports behind every single recommendation for complete conviction.
Insightful information on 3500+ stocks. Screen based on Quality and Price criteria.
Track your personal and family investments and take informed decisions.
Deep-dive video lessons on valuation, fundamental analysis, and portfolio construction from our Committee.
A curated digital library of our foundational investment philosophy, blogs and historical reports.
Transform the way you invest and think about financial freedom - a handbook for practical investing
"At MoneyWorks4Me, we believe that 'Excitement' is the enemy of returns. The stock market is designed to transfer money from the impatient to the patient.
Our advisory is not for those seeking the next 'Hot Tip' to double their money in a month. It is for the sensible investor who wants to compound wealth while sleeping peacefully at night knowing their capital is in high-quality businesses bought at reasonable prices. If that sounds like you, welcome home."
Sapphire is suited for investors who:
Sapphire may not be suitable for investors who: