Stock Advisory by SEBI Registered Advisor
Premium Investment Advisory service. Unique research methodology combining Quantitative Factor Investing & Fundamental Analysis.
ViniyogIndia smallcases
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Arguably the Best Stock Advisor in India for the 40+ investor
Special offers & packages if you are above 40 years of age. We understand your special needs.
Stock Advisory by SEBI Registered Investment Advisor
Get reliable Advice from one of the Best Stock Advisor in India
Over the past 4 decades, Sensex has grown at over 17% CAGR. 1 Lakh rupees invested in Sensex in 1981 is worth around 5 crores today. Equity has been the best asset class for sustainable wealth creation over long-term.
Yet, most investors have failed to create wealth from stocks. Behavioral biases, poor advice, costs are some of the key reasons that stood in the way.
Qualified, reliable and qualified professional advice is key to sustainable wealth creation for the small investors.
Yet, most investors have failed to create wealth from stocks. Behavioral biases, poor advice, costs are some of the key reasons that stood in the way.
Qualified, reliable and qualified professional advice is key to sustainable wealth creation for the small investors.
Why choose our Stock Advisory Service?
Reliable advice, offered by SEBI registered stock advisor
Unique stock research methodology, using combination of quantitative factor models & machine learning, eliminating behavioral biases. Strategies tested for exclusively Indian markets against large volume of past data (10-15 years, based on strategy)
Improved Risk Management through multi-asset, multi-factor diversification.
Flexible pricing plans, supporting both Fixed Fee and Asset Based Plans.
Most competitively priced Stock Advisor service, with minimal and explicit fees
Personalized allocation plan based on Risk Profiling
Loads of Freebies. Free existing stock portfolio review. Free basic Financial Plan, covering Retirement Plan and Life Insurance Plan. Market highlights, stock-tips & many more…
Unique stock research methodology, using combination of quantitative factor models & machine learning, eliminating behavioral biases. Strategies tested for exclusively Indian markets against large volume of past data (10-15 years, based on strategy)
Improved Risk Management through multi-asset, multi-factor diversification.
Flexible pricing plans, supporting both Fixed Fee and Asset Based Plans.
Most competitively priced Stock Advisor service, with minimal and explicit fees
Personalized allocation plan based on Risk Profiling
Loads of Freebies. Free existing stock portfolio review. Free basic Financial Plan, covering Retirement Plan and Life Insurance Plan. Market highlights, stock-tips & many more…
Premium Stock Market Advisory Services Plans & Pricing
Premium Stock Advisory services are offered in the form of online subscriptions.
Subscription plans can be Fixed Fee or Asset Based.
Asset Based plans are offered in the form of smallcases.
Fixed Fee plans (Legacy) are offered through the ViniyogIndia.com portal.
Subscription plans can be Fixed Fee or Asset Based.
Asset Based plans are offered in the form of smallcases.
Fixed Fee plans (Legacy) are offered through the ViniyogIndia.com portal.
Multi-baggers
6 months*
₹5499
Core long term portfolio
Buy & hold portfolio based on quantitative & fundamental research
15 stocks portfolio
1+ year holding
Detailed reports
Periodic rebalance
Free Financial Plan
*50% off on renewal
Short-Term
6 months*
₹5499
Short term explore portfolio
Multifactor short-term portfolio, quarterly rebalanced
10-15 stocks portfolio
2-3 months holding
Factor Investing
Quarterly rebalance
Free Financial Plan
*30% off on renewal
All-in-One
6 months*
₹9999
Core plus explore combo
Potential long term multi-baggers plus multifactor short-term portfolio
Multi-baggers portfolio
Short-Term portfolio
Quant+ Fundamental
Periodic rebalance
Free Financial Plan
*50% off on renewal
*All Fixed Fee plans include Personalized Investment Advisory service, covering personalized portfolio design based on Investor Risk Profiling and Basic Financial Planning worth Rs. 1499 absolutely FREE!
Feedback on our stock advisory services
Provided historical and past stock reports are good in content quality…
– Narendar Sharma, Delhi
Quality of stock reports is good, however, please make the website (Premium section) more accessible…
– Bala Ganeshan, Chennai
Very insightful information indeed. Really glad for keeping the service charges bare minimum…
– ArthikDisha.com
Good research analysis. Keep it up!
– Narayan Chandrani
Very happy with smallcase returns
– PS Pal, Kolkata
| At the beginning of the month | Received during the month | Resolved during the month | Pending at the end of the month | Reasons for pendency |
| 0 | 0 | 0 | 0 | – |
Stocks grew by 17.1% in the past 39 years, against 9.15% for Gold and 9.38% for Fixed Deposits (before tax). Rs 1 Lakh invested in the Sensex in 1981 is worth around 4.67 crores today, against 30 Lakhs for Gold & 33 Lakhs for FDs (around 15 Lakhs after tax at 25%).
Yet 90% of Indians prefer FDs to Stocks! Those who chose FDs over equities in the eighties, have 95% less wealth today than those who chose to invest in equities.
With inflation moderating, equities are likely to generate 10-12% CAGR over long term going forward. Properly invested, Indian middle class have the opportunity to make huge amount on wealth in their lifetime.
Yet 90% of Indians prefer FDs to Stocks! Those who chose FDs over equities in the eighties, have 95% less wealth today than those who chose to invest in equities.
With inflation moderating, equities are likely to generate 10-12% CAGR over long term going forward. Properly invested, Indian middle class have the opportunity to make huge amount on wealth in their lifetime.
Are Mutual Funds best route to investing in Stocks?
Left-hand side chart shows category average Mutual Fund returns in India as of end 2019, as reported by Morningstar. Most fund categories generated ~8% per year before tax for the previous 5 years. This is comparable to Fixed Income products such as PPF, which is tax free, and Government Bonds.
Over long term, diversified equity mutual funds tends to outperform most fixed income securities, albeit not by large margin. For diversified equity mutual funds 10-12% pre-tax returns over long-term is very reasonable, although most retail investors fail to achieve these returns due to behavioral biases.
Investors desirous of higher returns and having greater risk appetite should explore direct route, either after thorough research, or guided by professional investment advisors.
This is where our Stock Advisory service can help.
Over long term, diversified equity mutual funds tends to outperform most fixed income securities, albeit not by large margin. For diversified equity mutual funds 10-12% pre-tax returns over long-term is very reasonable, although most retail investors fail to achieve these returns due to behavioral biases.
Investors desirous of higher returns and having greater risk appetite should explore direct route, either after thorough research, or guided by professional investment advisors.
This is where our Stock Advisory service can help.
What kind of behavioral biases prevent investors from attaining market returns?
Multiple studies have confirmed that human emotions negatively impact investment decisions.
In US, over the 30 year period ending in 2013, S&P500 index had produced an annual total return of 11.1%, while the average stock mutual fund investor earned only 3.69%. Around 6% of this under-performance was due to Investors making poor timing decisions, while costs accounted for the remaining 1.4%.
There is a strong propensity for investors to buy near market highs and sell near market bottoms. Take this example:
The best performing equity fund from 2000 through 2010 in US (CGM Focus (CGMFX)) had an average annual return of 18.2%, according to Morningstar. During the same time, the fund’s typical shareholder lost 10%! Investors, motivated by greed and fear, poured $2.6 billion into the fund in 2007 when it was up over 80%. In 2008, when the fund was down 48%, investors redeemed over $750 million.
Rule-based investing, following quantitative models, using automated and properly designed software systems, eliminates behavioral biases. (Systematic Investment Plans or Mutual Fund SIPs also eliminates impact of behavioral biases)
In US, over the 30 year period ending in 2013, S&P500 index had produced an annual total return of 11.1%, while the average stock mutual fund investor earned only 3.69%. Around 6% of this under-performance was due to Investors making poor timing decisions, while costs accounted for the remaining 1.4%.
There is a strong propensity for investors to buy near market highs and sell near market bottoms. Take this example:
The best performing equity fund from 2000 through 2010 in US (CGM Focus (CGMFX)) had an average annual return of 18.2%, according to Morningstar. During the same time, the fund’s typical shareholder lost 10%! Investors, motivated by greed and fear, poured $2.6 billion into the fund in 2007 when it was up over 80%. In 2008, when the fund was down 48%, investors redeemed over $750 million.
Rule-based investing, following quantitative models, using automated and properly designed software systems, eliminates behavioral biases. (Systematic Investment Plans or Mutual Fund SIPs also eliminates impact of behavioral biases)
What kind of costs impact investor returns?
In India, Equity Mutual Funds charge up-to 2.25% of assets as fees. For a 10 Lakhs portfolio, this amounts to an annual cost up to 22,500 rupees which is deducted from investors account every year.
Also, estimated 80% of the Mutual Funds sold are Regular Plans while only 20% are Direct Plans. Regular Plans include a commission of around 0.5% which is charged by the distributors.
If you are buying mutual funds online, please be careful to purchase ‘Direct Plans’ instead of ‘Regular Plans’. Also, if you are seeking guidance from an advisor, be careful not to overpay.
Also, estimated 80% of the Mutual Funds sold are Regular Plans while only 20% are Direct Plans. Regular Plans include a commission of around 0.5% which is charged by the distributors.
If you are buying mutual funds online, please be careful to purchase ‘Direct Plans’ instead of ‘Regular Plans’. Also, if you are seeking guidance from an advisor, be careful not to overpay.
How does ViniyogIndia.com’s fees compare with the Best Stock Advisor in India?
RHS table presents list of top 10 best stock advisory company in India along with representative fees
– At Rs. 5499/year, our Fixed Fee plans are among the most competitively priced service in the market.
– Plus, you get Basic Financial Plan, worth Rs. 1499 FREE!
– And this is excludes any seasonal discounts.
– Further, our Asset Based Plans costs 1.8% per year, or 0.15% per month, which is very reasonable
– At Rs. 5499/year, our Fixed Fee plans are among the most competitively priced service in the market.
– Plus, you get Basic Financial Plan, worth Rs. 1499 FREE!
– And this is excludes any seasonal discounts.
– Further, our Asset Based Plans costs 1.8% per year, or 0.15% per month, which is very reasonable
| Advisor | Pricing |
| Stockaxis.com | 25,000 |
| Prudentequity.com | 21,500 |
| Researchranking.com | 20,000 |
| Stalwartvalue.com | 20,000 |
| Stallionasset.com | 14,999 |
| Valueresearch.com | 9,950 (5950) |
| Multibaggershares.com | 2.5L for 3 years |
| Purnartha.com | 0.6% + 20% profits |
Is Value Investing the best strategy for Indian Stock Market?
Value Investing is a very popular strategy particularly within the retail investor community in India. However, if we go by hard data, value investing hasn’t worked in India for the past 10 years. Credible research further suggests, investing in small-sized stocks, another popular strategy, does not work in India. And if you are considering to invest in high beta stocks, a strategy that is frequently discussed in TV channels, the story gets even worse. None of these three popular strategies worked in the Indian markets in the past decade!
While market efficiency remains a myth, every market is different: Factors that worked well in the US, may not necessarily work in India. Understanding of which factors work well in Indian markets is key, and the only way to figure that out is to back-test strategies over a sizable past data.
At ViniyogIndia.com, we systematically test the known and unknown factors using in-house software and incorporate the successful tests into our model while rejecting the unsuccessful ones.
While market efficiency remains a myth, every market is different: Factors that worked well in the US, may not necessarily work in India. Understanding of which factors work well in Indian markets is key, and the only way to figure that out is to back-test strategies over a sizable past data.
At ViniyogIndia.com, we systematically test the known and unknown factors using in-house software and incorporate the successful tests into our model while rejecting the unsuccessful ones.
What is Quantitative Factor Investing?
Over the years, academic community have tried to come up with various models trying to explain asset returns. These models, or asset pricing models as they are usually called, describe expected returns of financial assets, such as stocks, bonds, etc. using various characteristics or factors.
Simply put, factor can be considered as a quantitative representation of a qualitative theme that can be used to explain asset returns.
A simple example is Capital Asset Pricing Model or CAPM, which says, expected return of an asset is Risk Free Rate, plus a constant times market risk premium (expected market returns minus risk free rate)
Simply put, factor can be considered as a quantitative representation of a qualitative theme that can be used to explain asset returns.
A simple example is Capital Asset Pricing Model or CAPM, which says, expected return of an asset is Risk Free Rate, plus a constant times market risk premium (expected market returns minus risk free rate)
Ri = Rf +βi(Rm – Rf)
Ri is the expected return on asset i; Rf is the risk-free rate; βi is the beta of the investment; and Rm is the expected return of the market.
Despite its popularity, CAPM is simplistic and is often criticized for its inability of explain asset returns based on empirical data. In particular, multiple studies indicated that value stocks and small cap stocks tends to outperform growth and large cap stocks respectively. This led Kenneth French and Eugene Fama to come up with a 3 Factor model that had value and size as two additional factors. Mark Carhart subsequently added a fourth factor, which was the momentum factor.
Ri – Rf =αi +βi,m(Rm – Rf) + βi,SMB(SMB) + βi,HML(HML) + βi,WML(WML) + εi
α is the intercept of the regression line; (SMB) is the return of the size factor, Small Minus Big; (HML) is the return of the value factor, High Minus Low, (WML) is the return of the momentum factor, Winner Minus Looser; ε is the residual of the regression model
Subsequently, many more factors have been identified to explain asset returns and newer factors are getting discovered by academia and industry alike. These factors can be used to develop models for systematic, rule-based trading, using software programs.
Does your Premium Stock Advisory Services offer 100% guaranteed returns, with Free Trials?
NO. We can NOT and do NOT guarantee any future returns. However, you can unsubscribe anytime within first 30 days and take full refund if not satisfied.
Entities offering 100% guaranteed returns with free trials are usually scammers and you should stay away from it. Below is how they operate:
First they grab a list of people who trade in stocks. Such lists can be easily purchased at nominal price. Next, they send bulk SMS with their 3 days (or X days) FREE trail offer with 100% hits else money back guaranteed.
Let’s say they SMS 2 Lakh individuals and 1% fall for it, which is 2000 people. Next, they divide this 2000 people into 2 groups thousand each – A & B. To Group A they send a BUY recommendation on stock X, while to Group B they recommend a SELL on the same stock! Of course one of the tips would work, after which they stop communicating to the group where the tip did not work.
Next they take the 1000 people left, divide them again into groups of 500 and repeat the process. At the end of the 3rd day they will be left with a group of 250 people from the 2000 initially subscribed, who have received 3 consecutive successful tips.
Assume subscription fees of Rs 20,000, the person operating this scam has made a cool 50 Lakhs in 3 days with very little effort. Needless to say, the quality of actual stock tips received during the subscription period is useless. These are carefully crafted scams and you should stay away from it.
Entities offering 100% guaranteed returns with free trials are usually scammers and you should stay away from it. Below is how they operate:
First they grab a list of people who trade in stocks. Such lists can be easily purchased at nominal price. Next, they send bulk SMS with their 3 days (or X days) FREE trail offer with 100% hits else money back guaranteed.
Let’s say they SMS 2 Lakh individuals and 1% fall for it, which is 2000 people. Next, they divide this 2000 people into 2 groups thousand each – A & B. To Group A they send a BUY recommendation on stock X, while to Group B they recommend a SELL on the same stock! Of course one of the tips would work, after which they stop communicating to the group where the tip did not work.
Next they take the 1000 people left, divide them again into groups of 500 and repeat the process. At the end of the 3rd day they will be left with a group of 250 people from the 2000 initially subscribed, who have received 3 consecutive successful tips.
Assume subscription fees of Rs 20,000, the person operating this scam has made a cool 50 Lakhs in 3 days with very little effort. Needless to say, the quality of actual stock tips received during the subscription period is useless. These are carefully crafted scams and you should stay away from it.
Does the Stock Advisor hold positions in the stocks recommended?
We do trade/invest with our own money, therefore, we may or may not have position in the recommended stocks. Suffices to say that we may be an interested party, so please evaluate / validate recommendations before investing. Please read our full disclosure and disclaimer.
Arguably the best stock advisor in India for the 40 plus investor
The World Economic Forum (WEF) predicts that by 2050 the world will face a $400 trillion shortfall in retirement savings. India, with one of the weakest pension systems in the world & rising life expectancy level will be one of the worst hit. While only 25% of Indians have some form of pension cover, the pension system itself is rated one of the worst in the world according to multiple global studies.
Too many people these days speak of getting burnt out because of working 13-14 hours a day and feel that their careers are taxing them mentally, emotionally and physically. On the other hand, organizations are increasingly letting go of older employees and replacing them with younger people at a lower cost. 50 is the new retirement age, but have we planned for it?
Keeping this in mind, we offer special attention to the 40+ investor. If you are above 40, then we are probably the best stock advisory service in India for you.
Our offers include selective, need-based cashbacks ranging from 10-25% on subscriptions, dedicated session with advisor for those in need, discounts on comprehensive planning package, among others.
For the 40+, we are arguably the best share market advisor in India
Too many people these days speak of getting burnt out because of working 13-14 hours a day and feel that their careers are taxing them mentally, emotionally and physically. On the other hand, organizations are increasingly letting go of older employees and replacing them with younger people at a lower cost. 50 is the new retirement age, but have we planned for it?
Keeping this in mind, we offer special attention to the 40+ investor. If you are above 40, then we are probably the best stock advisory service in India for you.
Our offers include selective, need-based cashbacks ranging from 10-25% on subscriptions, dedicated session with advisor for those in need, discounts on comprehensive planning package, among others.
For the 40+, we are arguably the best share market advisor in India